WorldWideScience

Sample records for bank protection

  1. Customer perceptions on Internet banking information protection

    Directory of Open Access Journals (Sweden)

    André Redlinghuis

    2010-08-01

    Full Text Available Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA, but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA, Standard Bank, Nedcor and First National Bank (FNB influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996 as consumers are attracted to the convenience, safety and lower costs of doing banking online. Trust is a significant component of Internet banking and online services and products.Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT.Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are

  2. UNINSURED DEPOSITOR RIGHTS PROTECTION IN BANK INSOLVENCY

    Directory of Open Access Journals (Sweden)

    Tomas Ambrasas

    2013-06-01

    Full Text Available The objective of the article is legal instruments protecting uninsured depositor in bank insolvency. The paper is focused and reviews issues relating to the unprofessional depositor with typology of insolvent Lithuanian bank “Snoras”. According to this view, the paper analyses legal aspects of the bank’s specific obligations to the depositor under Lithuania’s bank insolvency rules and regulations. The purpose is, by means of different methods, to investigate depositor’s rights protection concept covering uninsured bank’s product - deposit certificates. This paper reveals the content of legal norms regulating uninsured depositors in bank insolvency (laws, secondary legislation, especially court decisions of Lithuania, analyzes what problems arise in an attempt to ensure depositor rights and discusses the impact for uninsured depositor ex ante and ex post bank insolvency. The main issue of the paper: what are the legal techniques protecting uninsured depositor rights under bank insolvency frameworks? The issue based on the typology of insolvent bank “Snoras” which actively disseminated deposit certificates to the customers in order to improve the bank's financial stability, without increasing the share capital of the bank, for that reason, bank misinformed the owners of deposit certificates that such a product is treated as insurance object. The paper is written from the Lithuanian law perspective. Purpose – to investigate depositors’ rights protection terms covering uninsured bank’s product- deposit certificates. Design/methodology/approach – Purposely to explore the actual meaning of legal norms and legislations as well as content and to analyze the literature and jurisprudence the systematic, analyses, synthesis, comparative methods were used. Findings – all depositors have full interest to be treated as insured with the consequent of compensation. Deposit protection is designed to compensate some classes of depositors

  3. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

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

  4. Bank equity connections, intellectual property protection and enterprise innovation – A bank ownership perspective

    Directory of Open Access Journals (Sweden)

    Xing Liu

    2016-09-01

    Full Text Available This study investigates the effects of bank equity connections and intellectual property protection on enterprises’ innovation behavior, and the regulating effect of intellectual property protection on the relationship between bank equity connections and innovation. In general, bank equity connections and intellectual property protection not only significantly increase innovation input, but also improve innovation performance. However, the efficiency of bank equity connections is influenced by the heterogeneity of enterprises and the value orientation of the subjects. Bank equity connections have a more significantly positive effect on innovation in private and central enterprises, whereas the principal-agent problem and government intervention may weaken the marginal contribution of bank equity connections to the innovation of local state-owned enterprises. Bank equity connections and intellectual property protection are complementary in promoting enterprise innovation. Not only are the combined effects of bank equity connections and intellectual property protection greater than the individual effects, but when the latter is relatively weak, the former’s positive effect on innovation is obviously weakened and may even crowd out innovation.

  5. 75 FR 26759 - Health Care Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB...

    Science.gov (United States)

    2010-05-12

    ... Administration Health Care Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB... in a report on the HRSA and Data Bank Web sites ( http://www.hrsa.gov and http://www.npdb-hipdb.hrsa...].'' Beginning no later than July 1, 2010, the Department will publish a report on the HRSA and Data Bank...

  6. 45 CFR 61.14 - Confidentiality of Healthcare Integrity and Protection Data Bank information.

    Science.gov (United States)

    2010-10-01

    ... Protection Data Bank information. 61.14 Section 61.14 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON... and Protection Data Bank § 61.14 Confidentiality of Healthcare Integrity and Protection Data...

  7. 45 CFR 61.12 - Requesting information from the Healthcare Integrity and Protection Data Bank.

    Science.gov (United States)

    2010-10-01

    ... Integrity and Protection Data Bank. 61.12 Section 61.12 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION... Integrity and Protection Data Bank § 61.12 Requesting information from the Healthcare Integrity...

  8. 45 CFR 61.1 - The Healthcare Integrity and Protection Data Bank.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false The Healthcare Integrity and Protection Data Bank... HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON HEALTH CARE PROVIDERS, SUPPLIERS AND PRACTITIONERS General Provisions § 61.1 The Healthcare Integrity and Protection Data Bank....

  9. MORPHOLOGICAL DEVELOPMENT OF A NATURE-LIKE BANK PROTECTION

    Institute of Scientific and Technical Information of China (English)

    Silke WIEPRECHT

    2001-01-01

    In the context of the planned near - natural restructuring of the river Isar in the southern part of Munich the results which were obtained from the 2d hydrodynamic model had to be validated by a physical model.In addition to the hydraulics the investigations of the physical model are including the shape and stability of the redesigned gently sloping banks, the formation and dynamics of aggradation zones, the stability of islands as well as the structure of the ramps. This paper is mainly focused on a special kind of bank protection which is hidden in the flood plains. Thus the safety of the dams is guaranteed as well as an area for natural morphological dynamic processes is available. The model also proved to be a very useful public relations tool for this spectacular project.

  10. PROTECTIVE GUARANTEES AND OTHER REQUIREMENTS TO STRENGTHEN DEVELOPMENT OF THE BANK-CUSTOMER CONTRACTUAL RELATIONSHIP

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2013-02-01

    Full Text Available Contractual relationships between individuals and credit institutions are increasingly lower in the sphere of lendingactivity. Implementation of the new Civil Procedure Code starting with February, 2013, strengthened even moreconsumer protection which has disturbed some commercial banks. Trust between banks and customers is an essentialrequirement for developing banking businesses. As a result of occurrence of new legislation is necessary to know themain elements that strengthen bank-client contractual relationship.

  11. Development of protected endorsement for online banking using mobile phones

    Science.gov (United States)

    Narayana, Galla; Venkateswarlu, Tammineni; Kumar, G. S. P.; Padmavathamma, Mokkala; Sreekanth, G.; Delhibabu, K.; Prasad, A. R.

    2013-03-01

    Securing Online Banking transactions for customer is the primary goal of financial institutions that provides Internet banking facility. Mobile phones play an important role in our society as more and more functions having been integrated within mobile phones, such as Internet browsing, mobile banking, and shopping. Mobiles phones can be used to secure ATM card pins by sending to the customer directly rather than in emails or by other means which has a possibility of hacking. In this paper we have proposed method of generating a Private Key Security Token by bank authentication servers which uses IMSI registers and IMEI number of client's mobile registered. The key is generated by implementing RIPE MD160 and Hex Encode Algorithm. Token received is valid only for that client mobile only and can be generated upon request by customer dynamically. The client is given a PIN and a Master Key when registered to the Online Banking Services. If in case a client's mobile is lost, authentication is done using Unique Master Key, else the Private Key Token is used there by making transactions secured and simple without the need of carrying any USB Tokens. The additional functionality provides the client more security on their transactions. Due to this Phishing attacks by the hackers is avoided.

  12. Software Vulnerabilities, Banking Threats, Botnets and Malware Self-Protection Technologies

    CERN Document Server

    Gharibi, Wajeb

    2011-01-01

    Information security is the protection of information from a wide range of threats in order to ensure success business continuity by minimizing risks and maximizing the return of investments and business opportunities. In this paper, we study and discuss the software vulnerabilities, banking threats, botnets and propose the malware self-protection technologies.

  13. Software Vulnerabilities, Banking Threats, Botnets and Malware Self-Protection Technologies

    Directory of Open Access Journals (Sweden)

    Wajeb Gharibi

    2011-01-01

    Full Text Available Information security is the protection of information from a wide range of threats in order to ensure success business continuity by minimizing risks and maximizing the return of investments and business opportunities. In this paper, we study and discuss the software vulnerabilities, banking threats, botnets and propose the malware self-protection technologies.

  14. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

    2014-01-01

    We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a discretionary regulatory tool to reduce asymmetric information and help restore the capital base of troubled banks. The APS can be a fair-valued contract with an appropriate structure...... on an agricultural loan portfolio. We compute the economic capital for this loan portfolio with and without an APS. Moreover, we illustrate how model risk in the form of parameter uncertainty is reduced when an APS is attached to the loan portfolio....

  15. New Orleans and Hurricane Katrina. IV: Orleans East Bank (Metro) protected basin

    Science.gov (United States)

    Seed, R.B.; Bea, R.G.; Athanasopoulos-Zekkos, A.; Boutwell, G.P.; Bray, J.D.; Cheung, C.; Cobos-Roa, D.; Cohen-Waeber, J.; Collins, B.D.; Harder, L.F.; Kayen, R.E.; Pestana, J.M.; Riemer, M.F.; Rogers, J.D.; Storesund, R.; Vera-Grunauer, X.; Wartman, Joseph

    2008-01-01

    This paper addresses damage caused by Hurricane Katrina to the main Orleans East Bank protected basin. This basin represented the heart of New Orleans, and contained the main downtown area, the historic French Quarter, the Garden District, and the sprawling Lakefront and Canal Districts. Nearly half of the loss of life during this hurricane, and a similar fraction of the overall damages, occurred in this heavily populated basin. There are a number of important geotechnical lessons, as well as geo-forensic lessons, associated with the flooding of this basin. These include the difficulties associated with the creation and operation of regional-scale flood protection systems requiring federal and local cooperation and funding over prolonged periods of time. There are also a number of engineering and policy lessons regarding (1) the accuracy and reliability of current analytical methods; (2) the shortcomings and potential dangers involved in decisions that reduced short-term capital outlays in exchange for increased risk of potential system failures; (3) the difficulties associated with integrating local issues with a flood risk reduction project; and (4) the need to design and maintain levees as systems; with each of the many individual project elements being required to mesh seamlessly. These lessons are of interest and importance for similar flood protection systems throughout numerous other regions of the United States and the world. ?? 2008 ACSE.

  16. Accurate phasor measurement for transmission line protection in the presence of shunt capacitor banks

    Energy Technology Data Exchange (ETDEWEB)

    Nam, Soon-Ryul; Kang, Sang-Hee [Department of Electrical Engineering and Next-Generation Power Technology Center, Myongji University (Korea); Park, Jong-Keun [School of Electrical Engineering, Seoul National University (Korea)

    2007-10-15

    This paper proposes a phasor measurement algorithm for transmission systems compensated with shunt capacitor banks. Since the shunt capacitor banks tend to lower the resonant frequencies, the dominant component, which has the lowest resonant frequency, is insufficiently attenuated by a low-pass filter and has an adverse influence on the phasor measurement of the fundamental component in a fault current signal. This paper theoretically investigates the dominant frequency in the presence of shunt capacitor banks and presents a phasor measurement algorithm immune to the dominant component and DC-offset. The performance of the algorithm is evaluated for a-phase to ground (a-g) faults on a 154-kV transmission system compensated with shunt capacitor banks. The evaluation results indicate that the algorithm can measure the phasor reliably and satisfactorily, although the fault current signal is distorted with the dominant component and DC-offset. The paper concludes by describing the hardware implementation of the algorithm on a prototype unit based on a digital signal processor. (author)

  17. Safe Distances From a High-Energy Capacitor Bank for Ear and Lung Protection

    Science.gov (United States)

    2014-06-01

    Fontaine, M. D.; Walsh, P. DC Arc Calculations – Arc -In-Open-Air & Arc -In-A- Box – Using A Simplified Approach (Multiplication Factor Method), IEEE Paper...banks may have a significant amount of residual energy after a test or malfunction. This presents distinct hazards from shock, arc flash, projectile...danger to the ear and lung from the over-pressure of an arc blast has not been satisfactorily established. This lung and ear danger is addressed in

  18. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas Sander

    We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a tool to restore financial stability and reduce asymmetric information. As opposed to most governmental bailout packages implemented across the world recently, the APS can be a fair valued...... loan portfolio. Moreover, we compute the economic capital for this loan portfolio with and without an APS....

  19. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Kokholm, Thomas

    We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a tool to restore financial stability and reduce asymmetric information. As opposed to most governmental bailout packages implemented across the world recently, the APS can be a fair valued...... contract with an appropriate structure of incentives. Within the structural credit risk modeling framework, we apply two alternative multivariate default risk models: the classical Gaussian Merton model and a model based on Normal Inverse Gaussian (NIG) processes. Exchanging the normal factors...

  20. 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...

  1. 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.

  2. On Protection Mode of Internal Fault in 35KV Power Capacitor Banks%35KV电力电容器组内部故障保护方式

    Institute of Scientific and Technical Information of China (English)

    杨堆元

    2012-01-01

    文章分别以3个高压电力电容器组发生内部爆炸故障及误发信号为例,有针对性地分析了其原因并论证了高压电容器组内部故障的各种保护方式,需要与同行们进一步共同探讨,以启发企业能够足够重视35KV高压电容器组保护,并配置合理、完善的保护方式,避免事故再次发生。%The paper takes an internal explosion and misuse signal in three high-voltage power capacitor bank as an example,analyzes its causes and demonstrates various protections from internal fault in high voltage capacitor.However,all of these need further and joint exploration with colleagues in order to draw adequate attention from enterprises to the protection of 35KV high voltage capacitor bank with reasonable configuration and perfect protection to prevent the accident from happening again.

  3. REGULATION AND SUPERVISION SHADOW BANKING INSTITUTIONS WHICH IS POTENTIALLY GIVES SYSTEMIC RISK AS AN EFFORT TO GIVE LAW PROTECTION TO CONSUMERS (Study in Banyumas Ex-Residency

    Directory of Open Access Journals (Sweden)

    Sulistyandari

    2016-01-01

    Full Text Available Shadow banking practice there is a tendency to increase, then the regulator should be set. Some cases have led to financial stability system disorders and cause systemic risk. This study aims to reveal weaknesses in the regulation and implementation of shadow banking institutions that have the potential for systemic risk and the protection of customers both normative and implementation in the Ex-residency of Banyumas. This study is a qualitative study with normative juridical approach and the study of law as the law in action, a social science studies that non-doctrinal and empirical. The results showed that the implementation of the supervision of shadow banking in the former residency of Banyumas potential harm to customers primarily in LJKNB shaped KSP / KJKS that provide services to non members, LJKNB who misuse their permissions business activities, LJKNB that has not been incorporated, but no potential systemic. Factors law, law enforcement, facilities, people and culture affect the implementation of surveillance in the area of Ex-residency of Banyumas.

  4. 40 CFR 96.255 - Banking.

    Science.gov (United States)

    2010-07-01

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

  5. 40 CFR 60.4155 - Banking.

    Science.gov (United States)

    2010-07-01

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

  6. 40 CFR 97.155 - Banking.

    Science.gov (United States)

    2010-07-01

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

  7. 40 CFR 96.55 - Banking.

    Science.gov (United States)

    2010-07-01

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

  8. 40 CFR 96.155 - Banking.

    Science.gov (United States)

    2010-07-01

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

  9. 40 CFR 96.355 - Banking.

    Science.gov (United States)

    2010-07-01

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

  10. 40 CFR 97.55 - Banking.

    Science.gov (United States)

    2010-07-01

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

  11. 40 CFR 97.355 - Banking.

    Science.gov (United States)

    2010-07-01

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

  12. 40 CFR 97.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.255 Section 97.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a compliance account or...

  13. Legal Protection of Financial Innovation on Chinese Banks%中资银行金融创新的知识产权保护机制

    Institute of Scientific and Technical Information of China (English)

    朱玛

    2011-01-01

    Financial innovation usually refers to innovative financial product and innovative financial service, the protection of intellectual property to promote its development in the financial industry has become a global trend. Judging from the current analysis of the type of financial innovation, the protected modes involved are still in the traditional intellectual property protection regime applicable to choose. However, China's commercial banking and financial innovation of intellectual property protection status are not ideal, which need to be further developed and improved.%金融创新通常是指金融创新产品和金融创新服务,利用知识产权对其加以保护促进金融业的发展在全球已成为潮流.从目前金融创新的类型分析,所涉及的保护模式依然可以在传统的知识产权保护制度中进行选择适用.但是,中资银行金融创新知识产权保护的现状并不理想,应该制定措施予以改进.

  14. Recreational Fisheries and Marine Protected Area Management: Marine Policy and Environmental Management of the Flower Garden Banks National Marine Sanctuary (USA

    Directory of Open Access Journals (Sweden)

    Juan Carlos Levesque

    2011-06-01

    Full Text Available The demand on our marine resources is increasing at unsustainable rates; however, marine policy and management is complex, political, and time consuming. One tool that resource managers in the United States use for managing, protecting, and conserving fragile marine resources is the designation of Marine Protected Areas. Presently, the public is concerned with the status and health of the fish and fisheries associated with the Flower Garden Banks National Marine Sanctuary (FGBNMS. Given these conservation and social issues, the main goal of this study was to provide an evaluation of the recreational fisheries associated with the FGBNMS. Findings showed that recreational landings were dominated by red snapper, vermilion snapper, and gray triggerfish; landings varied significantly by month and location. The highest fishing effort was in summer and the highest catch rates were in spring and fall; catch rates varied significantly by species and location in some areas. The mean weight of the primary recreational species taken was correlated negatively with time, but statistical similar. Proposed management measures for the FGBNMS are expected to impact some recreational fisheries, but long-term outcomes should benefit the Gulf of Mexico ecosystem.

  15. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ The saying, "There's no such thing as a free lunch" is one that can be applied to the charges increasingly being imposed on savers by Chinese banks.Ranging from managementfees for small deposit accounts to charges for withdrawals of large amounts of cash, from ATM cross-bank withdrawal charges to annual fees for bank payment cards, charges by banks are becoming a unstoppable trend. But it is not a trend the general public is so keen to accept.

  16. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios: Application to the Danish Agricultural Sector

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

    An Asset Protection Scheme (APS) is a portfolio insurance contract; a credit derivative used as a tool to restore financial stability and reestablish economic confidence. Opposed to most governmental bailout packages implemented all over the world recently, the APS can be a fair market contract......-Nielsen (1997). The Danish agricultural sector is an example of a financially troubled industry, which currently suffers under what appears to be the burst of a price bubble on farmland. Using a unique data set on yearly, farm level data from 2003 to 2009 we form an agricultural loan portfolio, which will serve...

  17. 40 CFR 73.36 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Banking. 73.36 Section 73.36 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) SULFUR DIOXIDE ALLOWANCE SYSTEM Allowance Tracking System § 73.36 Banking. (a) Compliance accounts. Any allowance in...

  18. To Establish Bank of Rare Blood Type to Protect Blood Demand for Clinical Use%建立稀有血型库保障临床用血需求

    Institute of Scientific and Technical Information of China (English)

    杨青成

    2011-01-01

    The paper proposed several practice suggestions: taking suspension red blood cell bank as emergency use, taking frozen red blood cells bank as main usage, and taking floating blood donors bank as supplement, which was an effective method to protect the timely, adequate and safe supply of rare blood type.%总结了建立以悬浮红细胞库为应急、以冰冻红细胞库为主力、以流动献血者库为补充的稀有血型库的实践,认为此举是保障稀有血型血液的及时、足量、安全供应的有效方法.

  19. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    There is no doubt that China’s banking system is a calm port in the global financial storm. Moreover, a great regulatory firewall and an easing monetary environment have enabled Chinese banks to increase lending and help shrug off the economic downturn. Yi Xianrong, a researcher at the Institute of Finance and Banking under the Chinese Academy of Social Sciences, discussed this topic in a recent article in the Shanghai Securities Journal. Edited excerpts follow:

  20. Breaking e-Banking CAPTCHAs

    OpenAIRE

    Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland

    2010-01-01

    Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...

  1. H型接线高压滤波电容器组不平衡电流保护判据及定值%Criterion and settings of unbalanced current protection for filter capacitor bank of H configuration

    Institute of Scientific and Technical Information of China (English)

    肖遥; 张晋寅; 黎建平; 楚金伟; 杨晓峰

    2015-01-01

    着重介绍H接线方式下高压滤波电容器组不平衡保护的定值的整定原则.提出滤波器组的失谐度,完好电容器单元的过电压水平及其允许值是滤波电容器组不平衡保护整定的基本原则.对H型电容器组的元件失效或者短路故障分别结合失谐度和过电压进行数理分析.结合内熔丝型电容器单元和无熔丝型电容器单元的不同故障性质,给出了电容器组不平衡保护的整定值计算分析方法和最终的整定计算公式.形成H型电容器组不平衡电流保护计算的理论基础.%The paper mainly introduces the principles to calculate the settings of unbalanced current protection for H-configured capacitor banks. The basic principles of the permitted detuning of the filter banks and the withstand voltages on remaining perfect capacitor units after some units' failures are proposed. Mathematical analysis of elements failures or short circuit of H capacitor banks is made together with detuning and overvoltage respectively. Combining with different fault property of both the internal fused and fuseless capacitors, the setting calculation analysis method of capacitor bank unbalanced protection and final formulations of setting calculation are given. The paper constitutes the basis for the unbalanced protection of H-configured capacitor banks.

  2. 40 CFR 89.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  3. 40 CFR 90.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  4. Bank Regulation and Market Discipline around the World

    OpenAIRE

    2008-01-01

    This paper investigates the effectiveness of depositor discipline and its relationship with various bank regulations and supervisions using a panel of about 17,000 bank-year data during 1992-2002 around 60 countries. We first theoretically show that bank regulations affect deposit interest rate and its sensitivity to bank risk through the bank insolvency risk and the fraction of deposit protection, among others. Then we find empirical evidence that strict regulations on bank activities and po...

  5. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  6. 网银诉讼中客户权益特别保护机制研究%Research on the Special Protection Mechanism for Customers’ Rights and Interests in Online Banking Litigation

    Institute of Scientific and Technical Information of China (English)

    中山市中级人民法院课题组

    2016-01-01

    Based on the nature of the civil legal relations between banks and their customers,and taking into account the virtual,paperless and instantaneous features of online banking transactions,a special protection mechanism of online banking is necessary to be established for customers’rights and interests in order to make a balance on the interests between banks and their customers.This mechanism shall make it clear that the bank would take primary liability for the loss of online banking funds in the litigation for remedies because of the default,and then the liability shall be reasonably divided between the bank and the customer according to the principles of accountability in the Contract Law instead of the Tort Law in the case that the customer shall be deemed to have negligence in using and taking care over the transaction password,so as to encourage customers to fulfill a duty of care.The mechanism is set up to to facilitate the bank to upgrade the security and make it reliable to use the online banking services.Under such mechanism,the bank’s responsibilities could be also controlled within a reasonably affordable limit, so as to promote and enhance the prosperous development of the online banking services as emerging commercial activities.It is imperative to establish the special protection mechanism and the supporting measures shall be taken correspondingly for customers’rights and interests in online banking.%基于网银诉讼案件中银行和客户之间民事法律关系的本质,考虑到网银交易的虚拟性、交易无纸化和瞬时性的特点,为平衡银行与客户之间的利益,应当建立网银客户权益特别保护机制,即银行对网银资金丢失的违约之诉承担主要赔偿责任;同时,在可认定客户存在使用和保管交易密码等过程中存在过失的情形下,适用《合同法》而非《侵权法》责任追究方式合理分摊责任,以促使客户履行谨慎注意义务。这样,可

  7. 40 CFR 1033.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the...

  8. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer generating the emission credits for use in future model...

  9. Bank Regulation and Market Discipline around the World

    OpenAIRE

    2004-01-01

    This paper investigates the effectiveness of depositor discipline and its relationship with various bank regulations and supervisions using a panel of about 17,000 bank-year data during 1992-2002 around 60 countries. We first theoretically show that deposit interest rate and its sensitivity to bank risk depend on the bank insolvency risk and the fraction of deposit protection, among others. Then we find evidence that strict regulations on bank activities and powerful supervisory authorities t...

  10. 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.

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

    Directory of Open Access Journals (Sweden)

    Ahmad Y. Areiqat

    2012-01-01

    Full Text Available Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank. Results: The results showed that Jordanian banks showed highest attention toward risk management of e-banking, through their commitment to Basel Standards on risk management. Conclusion: Through the study, it will be clear that Jordanian banks committed to the standards of the Basel committee on safety and security of electronic banking services. These banks take into account all the potential risks before applying any system of electronic services. It is irrefutable evidence on the banks of Jordan keenness on protecting themselves and their customers from risk of theft through electronic means, the banks included their websites with detailed instructions to ensure that no customer fall prey to hackers.

  12. 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...

  13. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  14. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

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

  15. Experimental study on bank erosion and protection using submerged vane placed at an optimum angle in a 180° laboratory channel bend

    Science.gov (United States)

    Dey, Litan; Barbhuiya, Abdul Karim; Biswas, Piya

    2017-04-01

    Unsteadiness of the vertical velocity profile and secondary flow in open channel bends poses serious problems in hydraulic engineering design. Insertion of vertical submerged vanes in the channel bend at an optimum angle with the tangential component of flow can minimize the unsteadiness and generation of secondary flow resulting in the reduction of scour depth at the outer bank. A series of experiments were conducted in a 180° bend laboratory channel to study flow erosion and effective ness of the submerged vane in reducing scour depth. The average approach to flow velocity at 0.20 m flow depth above the lowest initial bed level was 25 cm/s. An Acoustic Doppler Velocimeter (ADV) was used to measure the three-dimensional time-averaged velocity components at different azimuthal sections on stabilized nonscoured beds without vane. Scour bed profile without vanes shows that bank erosion in a 180° parabolic-shaped bed channel occurs mostly at the zone from bend angles 120° to 140°. Vanes were installed at angles of 10°, 15°, 20°, 30°, and 40° to the tangential flow component maintaining a spacingof 75 cm distance from one vane to another. Experimental results show that a 15° vane angle produces best result in reducing outer bank scour in a parabolic-shaped channel. The data presented in this paper can also be used for validating three-dimensional turbulence models for simulating flows in a curved channel.

  16. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  17. Systems for Guaranteeing Bank Deposits

    OpenAIRE

    Florin Untaru

    2013-01-01

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

  18. 40 CFR 91.1305 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.1305 Section 91.1305 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) CONTROL OF EMISSIONS FROM MARINE SPARK-IGNITION ENGINES In-Use Credit Program for New Marine Engines § 91.1305...

  19. Protective

    Directory of Open Access Journals (Sweden)

    Wessam M. Abdel-Wahab

    2013-10-01

    Full Text Available Many active ingredients extracted from herbal and medicinal plants are extensively studied for their beneficial effects. Antioxidant activity and free radical scavenging properties of thymoquinone (TQ have been reported. The present study evaluated the possible protective effects of TQ against the toxicity and oxidative stress of sodium fluoride (NaF in the liver of rats. Rats were divided into four groups, the first group served as the control group and was administered distilled water whereas the NaF group received NaF orally at a dose of 10 mg/kg for 4 weeks, TQ group was administered TQ orally at a dose of 10 mg/kg for 5 weeks, and the NaF-TQ group was first given TQ for 1 week and was secondly administered 10 mg/kg/day NaF in association with 10 mg/kg TQ for 4 weeks. Rats intoxicated with NaF showed a significant increase in lipid peroxidation whereas the level of reduced glutathione (GSH and the activity of superoxide dismutase (SOD, catalase (CAT, glutathione S-transferase (GST and glutathione peroxidase (GPx were reduced in hepatic tissues. The proper functioning of the liver was also disrupted as indicated by alterations in the measured liver function indices and biochemical parameters. TQ supplementation counteracted the NaF-induced hepatotoxicity probably due to its strong antioxidant activity. In conclusion, the results obtained clearly indicated the role of oxidative stress in the induction of NaF toxicity and suggested hepatoprotective effects of TQ against the toxicity of fluoride compounds.

  20. Protection of Bank Deposits in the View of the Tort Law%浅析侵权法视野下银行存款的保护

    Institute of Scientific and Technical Information of China (English)

    安希顺

    2014-01-01

    There are two meanings of bank deposits in the civil law:deposit claim and deposit cash. The possession of the deposit should be carried out in these two kinds of context. Deposit claim is a kind of obligatory right, while deposit belongs to the scope of property. So far the theories on infringement relief still remains controversial, but according to the provisions of our civil law, the obligatory right belong to the category of property rights, so the deposit claim can also become the object of infringement. In view of this condition, he deposit claim should be attributed to the deposit nominee, and the ownership of the deposit cash attributable to the bank. The determination of deposit claim is based on the premise that the perpetrator has the exclusive right of payment request. The cases concerning deposit losses occurred in the practice include the error of remittance and infringement of cash in trust. On the premise of adherence to this stand, bank deposit can be relieved by infringement complaint in the certain situations.%银行存款在民法上有两种含义:存款债权与存款现金。存款的占有应当分别在这两种语境下展开。存款债权为债权,而存款现金为物。迄今为止的理论对债权侵权救济尚有争议。但根据我国民法的规定,债权属于财产权的范畴,因此存款债权也能够成为侵权的对象。在此基础上,存款债权应当归属于存款名义人,而存款现金的所有权则归属于银行。存款债权的判定以行为人排他性地拥有对银行的支付请求权为标准。实践当中发生的与存款损失有关的案件,包括错误汇款以及侵犯委托保管的金钱等情形的处理。在坚持这一立场的前提下,银行存款在特定情形下也可以通过侵权之诉进行救济。

  1. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  2. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

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

  3. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  4. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  5. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  6. Six Dimension Strategy As A Basis Of Banking Standard Contract

    Directory of Open Access Journals (Sweden)

    Wulanmas Frederik

    2012-01-01

    Full Text Available Indonesia banking based on Article 4 of Act No.10, 1998, aims at supporting the implementation of national development in order to improve equity, economic growth and national stability in the direction of improving people’s welfare. Therefore, to show how important is banking role in supporting the implementation of development, the 6 (six Strategic Dimensions as the foundation of Banking Standards Contract are: (1. Prudent Banking Supervision and Good Corporate Governance (GCG in banking activities, (2. Refunctionalization the principle of Contract Law in Banking Standards Contract, (3. Ethics Value in Business, (4. The Act No. 8, 1999 on Consumer Protection, (5. Enforcement of Human Rights Principles in banking activities, (6. Abuse of Circumstances implementations (Misbruik van Omstandigheden in banking Contract. Based on the 6 (six Strategic Dimension as the foundation of Banking Standard Contract, it will undoubtedly create justice, equity and assurance of the rights and obligations of the parties framed in the contractual and law bonds.

  7. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  8. Analyzsis of Protection Methods for Capacitor in Pulsed Capacitor Banks%脉冲电容器组电容器保护的对策分析

    Institute of Scientific and Technical Information of China (English)

    秦实宏; 刘克富; 李劲; 潘垣

    2001-01-01

    以典型的电容器储能脉冲电源为实例,对电容器的保护给出了相应的对策。利用计算机对系统故障进行了模拟仿真,进而提出了电阻、电感和限流熔断器保护电容器的措施,并根据电源系统保护侧重的目标不同,对以上三种保护元件的各自作用进行了优化分析,对多台电容器并联的电源应采用二级保护。%Based on the pulsed power source energy unit which is put into use, some protection methods for pulsed capacitors are put forward.By simulation with computing technology,the hybrid protection method of R-L-Fuse is given.The respective protection effect of R,L,and Fuse is also analyzed optimally, according to the main protection purpose.

  9. The ethical, legal and social implications of umbilical cord blood banking: learning important lessons from the protection of human genetic information.

    Science.gov (United States)

    Weisbrot, David

    2012-03-01

    Internationally networked umbilical cord blood banks hold great promise for better clinical outcomes, but also raise a host of potential ethical and legal concerns. There is now significant accumulated experience in Australia and overseas with regard to the establishment of human genetic research databases and tissue collections, popularly known as "biobanks". For example, clear lessons emerge from the controversies that surrounded, stalled or derailed the establishment of some early biobanks, such as Iceland's deCODE, Autogen's Tonga database, a proposed biobank in Newfoundland, Canada, and the proposed Taiwan biobank. More recent efforts in the United Kingdom, Japan, Quebec and Tasmania have been relatively more successful in generating public support, recognising the critical need for openness and transparency, and ample public education and debate, in order to build community acceptance and legitimacy. Strong attention must be paid to ensuring that other concerns--about privacy, discrimination, informed consent, governance, security, commercial fairness and financial probity--are addressed in structural terms and monitored thereafter, in order to maintain public confidence and avoid a backlash that inevitably would imperil such research. Once lost, credibility is very difficult to restore.

  10. Fighting the Financial Crisis in Greece: The Privileged Company to Protect Production and Trade in Currants (1905 as International Bank Cooperation

    Directory of Open Access Journals (Sweden)

    Korinna Schönhärl

    2013-12-01

    Full Text Available The global economic crisis in the 1890s affected the economy of Greece severely, and in 1893 the Greek State had to stop servicing its foreign debt. Part of theproblem was the lack of diversity of Greek agricultural production, which was focused on raisins and currants (especially flavourful raisins, grown exclusively in the area around Corinth for export. The collapse of market prices for this good seriously affected the Greek treasury and society in the growing regions. The Greek government responded by trying to withhold part of the harvest in fertile years to stabilise world market prices. Plans to organise a monopoly company for the currant trade necessitated high sums of capital from abroad. This article investigates the question of how foreign bankers in London (Hambro & Son, Emile Erlanger and Paris (Banque de l’Union Parisienne could be convinced to participate in the project. Which factors allowed foreign bankers to trust in the Greek national economy despite its poor reputation? What factors influenced their risk management? The focus is on the role of Greek brokers in persuading the foreigners to invest in Greece, especially the role played by Ioannis Pesmazoglou, the director of the young and innovative Bank of Athens.

  11. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

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

  12. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Chinese banks expands its "going out" strategy but faces challenges in establishing a presence in foreign markets The world’s biggest lender by market value, the Industrial and Commercial Bank of China (ICBC), and the Hong Kong-based Bank of East Asia signed an agreement in which ICBC would pay $140.23 million to buy an 80-percent inter- est in Bank of East Asia USA, the Hong Kong bank said on January 23.

  13. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

    <正>Germany is the prototypical economy country.Banks in Germany’s economic life plays a very important role.Germany has a large number of Banks and very dense network of bank branches.Deutsche Bank is by far the biggest German bank and Commerzbank is the second biggest.But with all the economic turmoil in the world these days,such rankings can change within

  14. The Chinese Banking System

    OpenAIRE

    2012-01-01

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

  15. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

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

  16. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  17. Analysis on the Impact of Creditor Protection on Banking Loan Maturity:An Empirical Study Based on Chinese Provincial Panel Data%债权人保护对银行贷款期限的影响分析--基于中国省级面板数据的研究

    Institute of Scientific and Technical Information of China (English)

    刘新文; 邢永梅

    2016-01-01

    This paper based on the data of all 30 provinces in china from 1997-2013, analyzes the impact of creditor protection on banking loan maturity. The results showed that the composite index of creditor protection has a positive impact on banking loan maturity, but not significantly. Specifically, the creditor protection legislation on banking loan maturity has a significant positive impact, although the level of law enforcement and creditor protection has a positive impact on banking loan maturity, but not significantly. The result provides a theoretical and practical basis for China to strengthen the protection of creditors and bank loans from legislation and law enforcement perspective.%本文采用中国1997-2013年30个省(市)、自治区的面板数据,就债权人保护对银行贷款期限的影响进行分析。研究结果表明,债权人保护综合指数对银行贷款期限具有正向影响,但不显著。具体而言,债权人保护立法对银行贷款期限具有显著的正向影响,而债权人保护执法水平虽对银行贷款期限具有正向影响,但不显著。该结果为我国从立法和执法角度加强债权人保护和银行贷款提供了理论和现实依据。

  18. The Locals' Opportunity Under Foreign Banks' Expansion

    Institute of Scientific and Technical Information of China (English)

    Han Guiying; Xiao Jiajun

    2009-01-01

    @@ The global financial crisis is striking the international financial market severely. Since July 2007, foreign banks and brokers have been suffering an enormous loss caused by the financial crisis. More than 160 thousand jobs have been cut this year by financial institutions like Citibank, HSBC and Morgan Stanly, etc. However, what shows a strong contrast with global job cutting is that these foreign banks are rapidly expanding their business in China. According to the data of related market,seven foreign banks have opened more than nine new branches in two months after September 17, the day that Lehman Brothers filed for bankruptcy protection. November 17, HSBC issued China UnionPay debt cards in 17 cities of China. At the same time, several new services of foreign banks were supposed to be authorized by CBRC (China Banking Regulatory Commission), including loan corporation of Citibank and credit cards of BEA.

  19. SEED BANKS FOR MAGNETIC FLUX COMPRESSION GENERATORS

    Energy Technology Data Exchange (ETDEWEB)

    Fulkerson, E S

    2008-05-14

    In recent years the Lawrence Livermore National Laboratory (LLNL) has been conducting experiments that require pulsed high currents to be delivered into inductive loads. The loads fall into two categories (1) pulsed high field magnets and (2) the input stage of Magnetic Flux Compression Generators (MFCG). Three capacitor banks of increasing energy storage and controls sophistication have been designed and constructed to drive these loads. One bank was developed for the magnet driving application (20kV {approx} 30kJ maximum stored energy.) Two banks where constructed as MFCG seed banks (12kV {approx} 43kJ and 26kV {approx} 450kJ). This paper will describe the design of each bank including switching, controls, circuit protection and safety.

  20. 电容器组单相断线故障继电保护拒动行为分析%Behavior analysis for relay protection during single-phase wire-breaking fault of capacitor bank

    Institute of Scientific and Technical Information of China (English)

    曾锦松

    2012-01-01

    The unbalanced voltage protection is designed based on the voltage drift of neutral point during capacitor faults to effectively isolate the asymmetric faults of capacitor, but it may refuse to act when the single-phase wire-breaking fault happens in the ungrounded star-connecting capacitor bank,which is pointed out by the theoretical analysis in principle. As there is negative-sequence current in such case,the negative-sequence current protection is proposed to prevent the improper behaviour of unbalanced voltage protection, which is verified by theoretical analysis.%不平衡电压保护是隔离电容器不对称故障的有效手段,该保护的设计建立在电容器故障时中性点电压漂移的基础上.工程实践表明,在单星形不接地电容器组发生单相断线时,该原理会导致电容器保护拒动.为解决此问题,通过理论分析,指出传统的电容器不平衡电压保护存在不能反映单星形不接地电容器组断线故障的原理性缺陷;而后基于单星形不接地电容器组发生断线故障时存在负序电流的特点,提出负序电流的保护方案.理论分析表明,该方案可以防止电容器发生断线故障时保护出现拒动现象.

  1. PERLINDUNGAN HUKUM TERHADAP KEPENTINGAN PARA PIHAK DI DALAM MERGER BANK

    Directory of Open Access Journals (Sweden)

    Dani Amran Hakim

    2016-04-01

    Full Text Available The legal protection of interests of the parties in the merger of banks, which is formulated into the problem as follows a Is the legal basis for bank mergers? b How is the legal protection of the parties in a bank merger? Merger is one of the company's development and growth. Merger is also one other alternative for capital investment through internal and organic growth. In banking mergers regulated in Law Number 10 of 1998. In the implementation of the merger must also consider the interests of the parties, namely, 1 the interests of the shareholders, 2 the interests of the depositors, 3 the interest of the bank employees, and 4 the interests of officials. Keywords: Protection Law, the Parties, Bank Merger 

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

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

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

  3. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  4. LIQUIDITY MANAGING A CURRENT JOB OF BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2014-02-01

    Full Text Available A credit institution liquidity managing, concerns on currency flows and operative funding needs, for customer satisfaction. Correlating bank liabilities and assets reflects the overall picture of the liquidity situation. The purpose of an efficient management of bank liquidity is to ensure the normal course of banking intermediation, to protect the interests of customers on one side and of the shareholders on the other side. Through an efficient bank liquidity management, are ensured reserve requirements and especially reasonable banking capacity of deposits reimbursement to customers, correlated with period in which they are or there are not returned to the credit institution, investments in the loans and other assets.

  5. ESSENTIAL PRACTICE OF SYSTEMICALLY IMPORTANT BANKS REGULATION

    Directory of Open Access Journals (Sweden)

    V. Trokhymenko

    2014-12-01

    Full Text Available The paper analyzes specific features of establishment of new regulatory standards of systemically important banks as one of the most priority directions of post-crisis improvement of supranational financial regulation. The essense of active and prearranged initiatives to secure constant activity of global and domestic powerful super-big banking institutions is investigated as well as some approaches as to recovery measures implementation without involvement of taxpayers' funds in case of their financial failure are considered. In particular, the main points are focused on introduction of additional requirements to the sufficiency of capital of global systemically important banks, development of the regulatory mechanisms of domestic systemically important banks by domestic authorities taking into account the specific peculiarities of certain national economies, structural reforms as to separation of traditional banking from the securities transactions for the depositors protection (Volcker rule, USA; Vickers rule, UK, establishment of the Single Supervisory Mechanism for the Eurozone banks, and declaration of necessity to form the Single mechanism for bank bankruptcy resolution etc. Some proposals concerning transformation of domestic system of financial regulation and supervision in Ukraine, like strengthening control of systemically important banks activity and introduction of mega-regulator model are characterized.

  6. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

    Perbankan merupakan pokok dari sistem keuangan setiap negara, karena perbankan merupakan salah satu motor penggerak pembangunan seluruh bangsa. Krisis perbankan berdampak pada turunnya kepercayaan masyarakat terhadap industri perbankan. Berbagai masalah di sektor perbankan yang tidak terdeteksi secara dini akan mengakibatkan runtuhnya kepercayaan masyarakat terhadap industri perbankan, Skripsi mi mengemukakan bagaimana penilaian kesehatan bank umum yang dilakukan oleh Bank Indonesia, bagai...

  7. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ Nine years of controversy regarding a national postal savings bank is expected to finally conclude this year. In April, the China Banking Regulatory Commission (CBRC)announced the establishment of a new department, one of the main functions of which will be to supervise postal savings.

  8. 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...

  9. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

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

  10. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Honoring its WTO commitments, China has begun to allow local incorporation by foreign banks, endowing them with the same status as their Chinese counterparts in an attempt to encourage diversified development in the Chinese banking sector On March 18, Wi

  11. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  12. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  13. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

    The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...

  14. Time banking som ledelsesteknologi

    OpenAIRE

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

    2014-01-01

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

  15. Essays on banking

    OpenAIRE

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...

  16. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.

  17. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

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

  18. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    My name is Jane Carson and I'm the manager of savings bank in Portland,Oregon,My bank is open every day from8:30 in the moming until 4:00 in the aftermoon.On Fridays the bank remains oper until 6:30 in the evening.

  19. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  20. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    The opening up of China’s banking sector took another giant step forward on March 20 when the first four foreign banks gained approval to incorporate locally. After going through commercial registration formalities, the banks will be able to con- duc

  1. 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

  2. Customer Information Protection of Commercial Banks under the Background of Big Data Finance%大数据金融背景下商业银行客户信息保护研究

    Institute of Scientific and Technical Information of China (English)

    董纪昌; 焦丹晓; 张欣; 宋子健; 李秀婷

    2014-01-01

    Under the background of big data finance and with the appearance of new technology and new commercial activities, customers’ information protection has become a new challenge to commercial banks. This paper analyses the influence mechanism of big data finance on customer information protection of commercial banks through case study domestically and internationally. We think that, under the background of big data tech-nology, customers’ information has three new characteristics:the volume of the information is big;the information is more valuable;and the divulging of information is destructive. Data processing includes three steps, which are data searching, data transmission and data storage. Information divulging happens through information desensiti-zation treatment, data storage management and internal regulation breaking. The main reasons include hacker at-tacks, internal regulation breaking and management oversight. Then combined with the information divulging channels, reasons and results, we made specific case analysis. At last, from the perspective of law, management and technique, we put forward some advices/suggestions on the customer information protection under the back-ground of big data finance.%在大数据金融背景下,伴随新技术、新业务形态不断出现,客户信息保护成为商业银行面临的具有挑战性的新命题。本文结合国内的案例,首先分析了大数据金融对商业银行客户信息保护的影响机制,认为大数据技术背景下,客户信息被赋予了三大新的特点:数据量大、数据价值高、数据泄露破坏性强。客户信息数据流主要经过数据搜索、数据传输、数据存储三个环节,信息泄露主要通过信息脱敏处理、数据存储管理及内部违规三条渠道,存在黑客攻击、内部违规、管理疏漏三个主要原因。然后,结合信息泄露的环节、原因、结果进行了具体的案例分析。最后,从法律、管

  3. Analisis Hubungan Kelembagaan Antara Otoritas Jasa Keuangan Dengan Bank Indonesia

    OpenAIRE

    Sigalingging, Bisdan

    2013-01-01

    The independent Financial Service Authority was established to materialize a national economy that can sustainably grow and be stable, especially for the activities in banking sector, to materialize an healthy banking system and to protect the customers’ interest in particular and that of community members in general. The Financial Service Authority has a closed relationship with the other institutions to run its function, duty, authority of regulating and controlling banking activities integ...

  4. Ethics and Governance of Stem Cell Banks.

    Science.gov (United States)

    Chalmers, Donald; Rathjen, Peter; Rathjen, Joy; Nicol, Dianne

    2017-01-01

    This chapter examines the ethical principles and governance frameworks for stem cell banks. Good governance of stem cell banks should balance facilitation of the clinical use of stem cells with the proper respect and protection of stem cell sample providers and stem cell recipients and ensure compliance with national regulatory requirements to foster public trust in the use of stem cell technology. Stem cell banks must develop with regard to the science, the needs of scientists, and the requirements of the public, which will benefit from this science. Given the international reach of this promising research and its clinical application, it is necessary for stem cell bank governance frameworks to be harmonized across jurisdictions.

  5. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC's experience teaches us three important lessons: First, systemically important financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient...

  6. 40 CFR 91.103 - Averaging, banking, and trading of exhaust emission credits.

    Science.gov (United States)

    2010-07-01

    ... Standards and Certification Provisions § 91.103 Averaging, banking, and trading of exhaust emission credits... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Averaging, banking, and trading of exhaust emission credits. 91.103 Section 91.103 Protection of Environment ENVIRONMENTAL PROTECTION...

  7. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

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

  8. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

    Full Text Available Internet banking has been increasingly used as a delivery channel in retail consumer banking. As far as the provision of internet banking services in developing countries is concerned, foreign banks definitely enjoy distinct advantages over domestic banks due to their experiences in other, more advanced financial markets. This paper reports a study that examined the levels of retail internet banking services provided by foreign and domestic commercial banks in Malaysia over a period of two years. The study found that while foreign banks are marginally more sophisticated at information provision level, domestic banks offer a significantly higher level of transactional facilities in both years.

  9. 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.

  10. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

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

  11. Bank Record Processing

    Science.gov (United States)

    1982-01-01

    Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.

  12. 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

  13. 40 CFR 86.1817-08 - Complete heavy-duty vehicle averaging, trading, and banking program.

    Science.gov (United States)

    2010-07-01

    ..., trading, and banking program. 86.1817-08 Section 86.1817-08 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. Section 86.1817-08 includes text that...-cycle vehicles may participate in an NMHC averaging, banking and trading program to show compliance...

  14. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

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

  15. 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...

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

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

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

  17. 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.

  18. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

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

  19. Bank profitability: Insights from the rural banking industry in Ghana

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.

  20. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

  1. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  2. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

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

  3. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  4. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  5. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  6. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  7. Prospects of implementation of "Basel III" international standards for domestic banks based on international experience

    Directory of Open Access Journals (Sweden)

    Baha Oksana

    2016-04-01

    Full Text Available This article summarizes the main requirements of the "Basel III" new standards in the context of banks capital regulation and identifies prospects for implementation of domestic banks based on analysis of international experience. The urgency of the problem is formulated in the need to restore the stability of the banking system of Ukraine with the new standards, which purpose is to increase the stability of banks and to protect the rights of financial services consumers. The main threats faced by the banking systems of developed countries and possible for the Ukrainian financial system were determined. The ways of achieving maximum benefits of new banking reform introduction were proposed.

  8. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

    The rather straightforward restructuring of the Bank of Beijing became more arresting in January after Deutsche Bank was reported to be competing with its Dutch rival ING to purchase a stake in the local city commercial bank.

  9. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

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

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

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

  11. GenBank

    Science.gov (United States)

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

    2017-01-01

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

  12. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

    Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

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

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

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

  14. Bank selection and customers’ perception of banks in Malaysia

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

    The process customers go through in choosing a bank has been studied for several decades using different approaches. Understanding the needs and analyzing how the customers select their banks are crucial steps towards the improvement of customer satisfaction. In this study, an attempt is made to identify the determinants of bank selection and customers’ perception of banks in Malaysia.

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

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

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

  16. Metamorphosis of Banking Products - A Perception of Bank Employees

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

    Full Text Available Banking products are undergoing major changes due to extensive use of it and changing demands of the customers in current scenario. This study basically focuses on the changes came into banking industry and its impact on customers base and bank profits. Data is collected from 50 employees of both private and public sector banks with the help of questionnaire. Hence we can conclude that all banks are providing almost similar products and services to satisfy their customers fully. The continous metamorphsis of banking products not only results in improvement of customer base but also has positive impact on the profits of the bank. Private sector banks are earning more profits as a result of metamorphosis of traditional banking products in comparison to public sector bank.

  17. Cord-Blood Banking

    Science.gov (United States)

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

  18. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

    In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.

  19. Cord-Blood Banking

    Science.gov (United States)

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

  20. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

    Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.

  1. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  2. An Overview of Corporate Governance Practices of Selected Islamic Banks

    Directory of Open Access Journals (Sweden)

    Zainab Belal

    2016-05-01

    Full Text Available Complying with Corporate Governance (CG standards is not mandatory but with collapse of many financial institutions, compliance with high standards of CG in banking operation has become a necessity. This is due to the fact that many banks and companies worldwide collapsed as a result of poor corporate governance practices such as Bank of Credit and Commerce International (BCCI 1991, Barings Bank 1995, Lehman Brothers 2008, Enron 2001, WorldCom 2001, etc. Therefore, the objective of this paper is to examine and ascertain whether present level of CG standards practiced by Islamic banks is adequate to prevent or safeguard the banks from collapsing. The approach of the study is to evaluate the effectiveness of board and the various board committees utilizing data published in financial statement of the selected banks. The methodology used in this paper is analytical descriptive to reach accurate results and as more appropriate approach with this research. The study finds out that the selected banks comply with CG standards adopted; however such compliance does not mean that the board, the board committees will be constantly reliable. Therefore, instilling the Islamic values such as the concepts of ih}sân, honesty, and accountability is paramount to prevent CG failures and protect/safeguard the banks from collapsing.

  3. 75 FR 71543 - Safety Zone; Gulf Intracoastal Waterway, Mile Marker 49.0 to 50.0, west of Harvey Locks, Bank to...

    Science.gov (United States)

    2010-11-24

    ....0 to 50.0, west of Harvey Locks, Bank to Bank, Bayou Blue Pontoon Bridge, Lafourche Parish, LA..., bank to bank, West of Harvey Locks, Lafourche Parish, LA. This Safety Zone is needed to protect the... repairs of the Bayou Blue Pontoon Bridge, Mile Marker 49.8, Gulf Intracoastal Waterway, West of...

  4. Parents' choices in banking boys' testicular tissue.

    Science.gov (United States)

    Murphy, Timothy F

    2010-12-01

    Researchers are working to derive sperm from banked testicular tissue taken from pre-pubertal boys who face therapies or injuries that destroy sperm production. Success in deriving sperm from this tissue will help to preserve the option for these boys to have genetically related children later in life. For the twin moral reasons of preserving access and equity in regard to having such children, clinicians and researchers are justified in offering the option to the parents of all affected boys. However, some parents may wish to decline the option to bank tissue from their boys because the technique may seem too unfamiliar or unusual, but over time people may become more comfortable with the technique as they have done with other novel assisted reproductive treatments (ARTs). Other parents may wish to decline the option because of moral or religious reasons. A prominent natural law theory holds, for example, that the ARTs that would be involved in using sperm derived from banked tissue to produce a child are morally objectionable. Some parents might not want to bank tissue in order to shield their son from using ARTs they see as objectionable. Clinicians and researchers should respect parents who wish to decline banking tissue, but parents should ordinarily embrace choices that protect the possible interests their sons may have as adult men, including the wish to have genetically related children.

  5. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  6. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

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

  7. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  8. 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.

  9. 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.

  10. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  11. Impact of Electronic Banking Innovations on Bank Deposit Market Share

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

    Full Text Available Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of this study is to evaluate this innovation, which needs a heavy cost in terms of money and time, on the share of each bank in attracting deposit as one of the most important goals and competitive tools of a bank. By using Panel Data Vector Autoregressive methods (Panel-VAR and Granger causality test, data of 23 Iranian banks in the 7 years (2007-2013 has been studied. The results show that based on the Granger Causality Test, the number of ATM machines, POS, PIN pad, SWIFT system and amount of banking facilities provided by each bank, has causal relation in explaining the increase of the bank’s share in attracting deposits; but the Market Share was recognized as the cause of the innovation. Also, the causality direction of deposits’ share and the amount of facilities were noticed to be bilateral.

  12. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  13. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  14. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  15. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

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

  16. 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.

  17. 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.

  18. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...

  19. KONSEP PENGATURAN PENJAMINAN SIMPANAN NASABAH PADA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Danang Wahyu Muhammad

    2016-01-01

    between Islamic Banks and the institution that guarantees its customer fund in Islamic Banks which at the end will guarantee protection towards the customers who are willing to perform Islamic religious duty in a good and correct way.

  20. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

    THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese banking system. Owing to low efficiency, lack of capital, and a high rate of bad debts over time, however, the system was weak and ineffective. In order to redress the situation, late last century the Chinese government launched reforms to streamline these four commercial banks and their operations. The banks subsequently set up asset management companies to buy back and resolve non-performing assets. Their operational structure was also upgraded and optimized so as to improve management efficiency and economic performance.

  1. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

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

  2. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  3. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ The spate of recent scandals in the banking sector again raises the question of whether corporate governance in banks has been improved to a degree whereby ESOP is a correct and timely consideration.

  4. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

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

  5. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

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

  6. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  7. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  8. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

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

  9. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  10. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

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

  11. Innovative Secure Mobile Banking Services

    OpenAIRE

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

    2011-01-01

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

  12. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  13. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

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

  14. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    The Agricultural Bank of China (ABC),the only non-listed bank among China’s"big four"state-owned commercial banks,is currently un- der the glare of the reform spotlight.This follows on the heals of Premier Wen Jiabao’s announcement during his government work report in March, that a shareholding system will be introduced in the bank and its role in serving agriculture,farmers and rural areas will remain unchanged.

  15. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

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

  16. Environmental Policies of World Bank and Its Inspiration to the Development of Environmental Law: Linking Environmental Protection with Poverty Alleviation%世界银行的环境政策及其对环境法发展的启示——搭建环保与扶贫的桥梁

    Institute of Scientific and Technical Information of China (English)

    任世丹

    2012-01-01

    Neither "out of poverty first, and then solve environmental problems" nor "first to protect the environment, and then solve the problem of poverty" are true proposition. How to link environmental protection with poverty alleviation is vital to achieve the purpose of environmental protection, and it represents the development direction of environmental law under the guide of rule of livelihood. World Bank whose ultimate goal is to eliminate poverty in the world has realized a high degree of relevance between poverty alleviation and environmental protection and the positive role of environmental policies and its implementation in poverty alleviation, and has gradually brought "environmental protection" into their mainstream work and achieve a win-win situation. The environmental policies of World Bank provides some useful inspiration for the development of environmental law, including to persist in "people-oriented" sustainable development concept, to develop pro-poor function of environmental law and the establishment of systems which focuses on empowerment, which are useful for achieving mutual assistance between environmental protection and poverty reduction.%“先脱贫,再解决环境问题”抑或“先保护环境,再解决贫困问题”都是徒劳无功的假命题.如何搭建环境保护与扶贫之间的桥梁,关系到环境保护目的的真正实现,是民生法治观指导下环境法的发展方向.以消除世界贫困为终极目标的世界银行在扶贫实践的过程中意识到扶贫与环境保护的高度关联性以及环境政策及其实施对减缓贫困的积极作用,逐步将“环境保护”纳入其主流工作并实现了双赢.世界银行的环境政策为环境法的发展提供了有益的启示,包括坚持“以人为本”的可持续发展观、开拓环境法的益贫功能以及设立重在“赋权”的制度体系等等,实现环保与扶贫之间的良性互助.

  17. A Case Study on E - Banking Security – When Security Becomes Too Sophisticated for the User to Access Their Information

    Directory of Open Access Journals (Sweden)

    Aaron M. French

    2012-08-01

    Full Text Available While eBanking security continues to increase in sophistication to protect against threats, the usability of the eBanking decreases resulting in poor security behaviors by the users. The current research evaluates se curity risks and measures taken for eBanking solutions. A case study is presented describing how increased complexity decreases vulnerabilities online but increases vulnerabilities from internal threats and eBanking users

  18. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  19. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

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

  20. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

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

  2. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  3. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

    Full Text Available The purpose of this research is to identify and examine the factors that contribute to bank switching intentions of e-banking customers and whether these intentions differ according to demographic characteristics (age, gender, education, marital status and income levels of customers. Regression results suggested that customer dissatisfaction, low service quality, high price, unfavorable bank reputation, limited product variety and involuntary switching factors were positively related to customers’ bank switching intentions in e-banking. On the other hand, promotion efforts were negatively related to customers’ switching intentions. In addition to this, bank switching intentions were revealed to be differing according to education levels. Bank switching intentions of well-educated customers were tend to be higher, while age, gender, marital status and income level didn’t make a difference on intentions. Based on the empirical results of current study, we will provide several theoretical and managerial implications in the area of service industry.

  4. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  5. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

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

  6. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

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

  7. Comparative Study on the Banking Performances at BCR ERSTE BANK, BRD – GSG and Raiffeisen Bank

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

    Full Text Available This paper aims to make a comparison between the performances of three banks in the banking system in Romania, considered the most representative but also to achieve their classifications and identify correlations between a number of used indicators and indicators expressing banking performance.

  8. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  9. Financial Regulatory Reform: Consumer Financial Protection Proposals

    Science.gov (United States)

    2010-05-26

    depository institutions . Under H.R. 4173, as it passed the House, consumer financial protection laws as they apply to national banks and thrifts would be... financial shocks. According to the White Paper, professional bank examiners are trained “to see the world through the lenses of institutions and...supplanted banks as a source of funds for large corporations) and other non-depository financial institutions that are primarily regulated by the

  10. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

    Full Text Available This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  11. US-Canada Great Lakes Regional Specimen Bank Feasibility Study.

    Science.gov (United States)

    Kerry, A; Edmonds, C J; Landon, L; Yonker, T L

    1993-11-01

    A study to examine the feasibility of establishing a Regional Specimen Bank in the Great Lakes area of the United States and Canada has recently been initiated by the Michigan Audubon Society. There are several existing formal and informal specimen banking facilities active in the region but their combined adequacy has not been evaluated. This feasibility study will establish the need and use of a regional bank and the institution(s) necessary to satisfy this need will be recommended. The study will address the scope required to meet present and future needs including the types of specimens to be represented in the bank, geographic coverage and protocols for collection, shipping, processing, analysis and storage. A management policy of the bank will be developed encompassing business operation, costs, governing structure and personnel requirements. The legal requirements of the bank will be determined with regards to the acquisition of samples, transport across national boundaries, access to specimens and information, and liability during operation. An effective information dissemination network will be recommended that is compatible with national and international partners, will facilitate technology and information transfer and support the quality and status of the bank. Determination of secure, long-term funding sources will be one of the key elements to ensuring a safe repository. This feasibility study is funded by the Great Lakes Protection Fund.

  12. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  13. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  14. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

    Full Text Available Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK, Non Performing Financing (NPF, Sertifikat Wadiah Bank Indonesia (SWBI, dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini menunjukkan bahwa DPK, NPF, dan Bonus SWBI berpengaruh secara simultan terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia sebesar 99,2% dan sisanya 0,8%  dipengaruhi oleh faktor lain yang tidak diungkap dalam penelitian ini. Secara parsial DPK berpengaruh positif dan signifikan terhadap penyaluran dana Bank Syariah Mega Indonesia sebesar 98,65%, sedangkan NPF dan Bonus SWBI tidak signifikan berpengaruh secara parsial terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia.This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  15. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

    Full Text Available This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their banks CSR programme? These were some of the issues addressed but due to the small sample size, the findings cannot be generalised. The study did not find any significant, positive nor negative relationship, between CSR and the bank customers; meaning the tests could not provide evidence that for instance CSR programmes should be targeted towards female customers or customers of a certain age or income bracket. More importantly 80% of the respondents did not consider CSR an issue that was important enough to affect their choice of banks. They will not switch banks purely based on a bank’s CSR programme. Understandably they were more interested in bank fees and interest rates. These issues directly affected their reason for choosing a particular bank. So the question of why banks, and presumably other businesses, still participate and spend a lot of money on CSR when their customers do not seem to place much value on it, still persists. The findings suggest that a much larger study on the topic is warranted. It will aid banks and other businesses decide on their role in corporate social responsibility. Whose needs are being satisfied by participating in CSR?

  16. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

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

  17. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  18. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  19. Strategies Adopted by Romanian Banks to Reduce the Payment Incidents

    Directory of Open Access Journals (Sweden)

    Oana BĂRBULESCU SEITAN

    2013-03-01

    Full Text Available In the past few years, the lack of the market liquidity generated some difficulties in the process of recovering the claims from the partners. This has determined the banks to find solutions with which to protect their clients against the financial imbalances of their partners, imbalances that otherwise would directly affect their own business. However, the permanent changes of the banking regulations led to a continuous diversification of the relations between the bank and its customers. In this context, during January-February 2013, it was drawn up a qualitative marketing research, its main objective consisting in identifying and analyzing the main measures taken by banks to reduce the number and the value of payment incidents generated by the use of debt instruments. The study also considered the outline of potential measures that can be taken for adapting the regulations in the field to the needs of the Romanian business environment.

  20. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

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

  1. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  2. Settings Calculation and Comparison of Unbalanced Current Protection of High Voltage Filter Capacitor Banks Connected as H and∏Circuits%H和Π接线高压滤波电容器组不平衡电流保护的定值计算及比较

    Institute of Scientific and Technical Information of China (English)

    肖遥; 夏谷林; 张楠

    2014-01-01

    提出了高压滤波电容器组不平衡电流保护的整定原则,从两方面通过数学逻辑分析了H型和∏型接线高压电容器组及其不平衡电流保护的优缺点:其一是部分电容器单元失效后滤波器所允许的失谐度,其二是余下完好电容器单元所承受的端电压。文中给出了不同电容器单元短路方式下的不平衡保护定值计算公式和整定值,得出了∏型接线优于H型接线的结论。为改进∏型接线电容器组的差电流检测精度,给出了差值电流检测电路的改进方案。%The paper proposed principles for calculating the settings of unbalanced current protection of high voltage filter capacitor banks, and analyzed the merits and demerits of“H-type” and “∏-type” connections of capacitor banks from perspective of mathematic logic in two ways. Of which one involved the permitted detuning of the filters after failure of some units, the other involved the withstand voltages on remaining perfect capacitor units. The formulations were deducted to calculate the settings of unbalanced current protection in cases when short circuit of some capacitor units occurred. It is concluded that ∏-type connection is better than the H-type connection. To improve the accuracy for detecting differential currents of ∏-type connection, a new unbalanced current transformer and its application are suggested.

  3. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

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

  4. 75 FR 69909 - Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of...

    Science.gov (United States)

    2010-11-16

    ... From the Federal Register Online via the Government Publishing Office ENVIRONMENTAL PROTECTION AGENCY 40 CFR Part 52 Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and... (SIP) that create and amend the Emissions Banking and Trading of Allowances (EBTA) Program. The...

  5. 40 CFR 86.1817-05 - Complete heavy-duty vehicle averaging, trading, and banking program.

    Science.gov (United States)

    2010-07-01

    ... in clean-fuel vehicles as specified in 40 CFR part 88 are not eligible for this program..., trading, and banking program. 86.1817-05 Section 86.1817-05 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. (a) General. (1) Complete...

  6. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

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

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

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

  8. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  9. BUILDING A BANKING UNION IN THE EUROPEAN UNION – A SOLUTION TO THE FINANCIAL CRISIS?

    Directory of Open Access Journals (Sweden)

    Monica (ŞAGUNA FIGHIROAE

    2015-07-01

    Full Text Available The financial crisis of 2008 highlighted the need for a deeper integration of the banking system, as a warranty to support long-term financial stability. It was argued that the grounds of the crisis lie also in an uncoordinated national response to the failure of banks, in a fragmentation of the Single Market in lending and funding and, therefore, a better regulation and supervision of the financial sector can ensure financial stability and growth in the European Union. In order to restore the proper functioning of the internal market and to avoid future crisis, the European Commission launched a set of initiatives, in order to assure a safer and sounder financial sector for the single market; are included here: stronger prudential requirements for banks, improved depositor protection and rules for managing failing banks and a single rulebook for all the 28 Member States of the European Union. The single rule book is the step towards the Banking Union sits. The banking union consists of three pillars: a Single Supervisory Mechanism, a Single Resolution Mechanism and a joint deposit-insurance scheme. As on 4 November 2014 the European Central Bank assumed responsibility for euro area banking supervision, the Banking Union is still under construction. In this framework, the purpose of my paper is to analyse the process of building a Banking Union in Europe. Therefore, the objectives of my paper are to explore the steps to fulfilling a real integration of the European banking system, as a solution to the financial crisis.

  10. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  11. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in...

  12. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

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

  13. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  14. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

    The purpose of the scientific approach is to demonstrate the usefulness of the adoption of modern promotion techniques in the actual financialbanking sector, in addition to the classical techniques. To achieve this end, the investigation of the Romanianfinancial-banking sector has been deeply conducted, by evaluating the market relations existing between the financial and banking institutions and individuals, as well as promotional techniques adopted by banks, during the communication process...

  15. GenBank

    OpenAIRE

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

    1991-01-01

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

  16. Fractional Reserve Banking

    OpenAIRE

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

    2012-01-01

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

  17. Oculina Banks Habitat Area of Particular Concern Geographic Information System 2002 (NODC Accession 0090252)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Oculina GIS CD provides a comprehensive, interactive data source for the Oculina Banks Habitat Area of Particular Concern (OHAPC), a marine protected area off...

  18. Oculina Banks Habitat Area of Particular Concern Geographic Information System 2002 (NODC Accession 0090252)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — OGIS provides a comprehensive, interactive data source for the Oculina Banks Habitat Area of Particular Concern (OHAPC), a marine protected area off the east coast...

  19. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  20. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    With limited exposure to the global financial crisis, Chinese banks have remained profitable for the past three quarters while the rest of the world has groaned under the spreading global financial turmoil, China’s banking industry reported another season of good harvest when 14 listed banks all managed to secure high net profit growth in the first three quarters of this year. According to their quarterly reports, the 14 banks reaped a total of 334.1 billion yuan ($49 billion) in net profit during the period,

  1. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

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

  2. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

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

  3. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 7.1010 - Postal service by national bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may...

  5. Mobile Banking Supervising System- Issues, Challenges and Suggestions to improve Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

    Full Text Available Banking is one of the Largest Financial Institution which constantly provides better Customer Services. To improve the Service Quality, Banking Services are expanded to Mobile Technology. Recently Mobile Banking plays a vital role in Banking Sector. This ...

  6. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....

  7. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

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

  8. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ CEOs of international banks face their toughest challenge in China. Citibank and HSBC already moved aggressively by taking stakes in the remaining large and well-known banks, such as the Shanghai Pudong Development Bank and the Bank of Communications. Such tie-ups offer opportunities to market credit cards and other banking products through local networks.

  9. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

    Full Text Available Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  10. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

  11. Central Bank Focuses on Money Supply and Commercial Bank Reform

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ Money supply index will continue to be the main topic of the annual meeting of Central Bank, this has actually refuted the rumor that the intermediate goal of Central Bank's monetary policy,which has been implementing for 8 years, will be demolished.

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

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

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

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

    OpenAIRE

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

    2012-01-01

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

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

    OpenAIRE

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

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

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

  16. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  17. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

    ... production office in accordance with the provisions in § 208.7 of Regulation H (12 CFR 208.7). ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF...

  18. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

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

  19. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  20. 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.

  1. New evidence for persistent or transient seed banks in three Sonoran Desert cacti

    Science.gov (United States)

    Bowers, Janice E.

    2005-01-01

    Seedlings of Ferocactus wislizeni and Mammillaria grahamii, 2 common cactus species in the northern Sonoran Desert, emerged under protective cages that had been left in place for 6 years after an initial sowing of numerous Carnegiea gigantea and F. wislizeni seeds. Because no seeds were sown in the interim, Mammillaria and Ferocactus seedlings must have emerged from persistent seed banks. Mammillaria seeds evidently survived in or on the soil as long as 6 years, forming a long-term persistent seed bank, and Ferocactus seeds apparently survived up to 3 years, forming a short-term persistent seed bank. No Carnegiea seedlings emerged, confirming that this species has a transient seed bank This is the first evidence for a between-year seed bank in M. grahamii and the first confirmation of a between-year seed bank in F. wislizeni.

  2. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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

  3. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data deposi

  4. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    2015-01-01

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management (redu

  5. MODELS OF BANKING RISKS MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Bente Corneliu Cristian

    2009-05-01

    Full Text Available Banking risks management as a fundamental element of banking management aims at diminishing as much as possible the negative impact of risk factors, at minimizing losses by expenditures cut-off and maximizing direct and transferred influxes, changing the

  6. Croatian bank investments in securities

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-12-01

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

  7. Size, productivity, and international banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  8. The American Indian Development Bank?

    Science.gov (United States)

    Pottinger, Richard

    1992-01-01

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

  9. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

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

  10. Causes of banking crises revisited

    NARCIS (Netherlands)

    Klomp, J.G.

    2010-01-01

    We examine to what extent there exists heterogeneity in the causes of a banking crisis. For this purpose, we use a random coefficient logit model including 110 countries between 1970 and 2007. We conclude that there exists significant heterogeneity in the causes of a banking crisis. We find that a h

  11. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  12. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

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

  13. Asian Banks: Leading the Way to Recovery

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ The global financial crisis has rocked the American and European Union banking system leaving many Western banks teetering on the verge of bankruptcy.But in the East,Asian banks have fared well so far.

  14. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

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

  15. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

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

  16. The effect of lateral banking on the kinematics and kinetics of the lower extremity during lateral cutting movements.

    Science.gov (United States)

    Wannop, John W; Graf, Eveline S; Stefanyshyn, Darren J

    2014-02-01

    There are many aspects of cutting movements that can limit performance, however, the implementation of lateral banking may reduce some of these limitations. Banking could provide a protective mechanism, placing the foot and ankle in orientations that keep them out of dangerous positions. This study sought to determine the effect of two banking angles on the kinematics and kinetics of the lower extremity during two athletic maneuvers. Kinematic and kinetic data were collected on 10 recreational athletes performing v-cuts and side shuffle movements on different banked surfaces (0°, 10°, 20°). Each sample surface was rigidly attached to the force platform. Joint moments were calculated and compared between conditions using a repeated measures ANOVA. Banking had a pronounced effect on the ankle joint. As banking increased, the amount of joint loading in the transverse and frontal planes decreased likely leading to a reduction in injury risk. Also an increase in knee joint loading in the frontal plane was seen during the 20° bank during the v-cut. Conversely loading in the sagittal plane at the ankle joint increased with banking and coupled with a reorientation of the ground reaction vector may facilitate a performance increase. The current study indicates that the 10° bank may be the optimal bank, in that it decreases ankle joint loading, as well as increases specific performance variables while not increasing frontal plane knee joint loading. If banking could be incorporated in footwear it may be able to provide a protective mechanism for athletes.

  17. Impact of shadow banks on financial contagion

    OpenAIRE

    Yoshiharu Maeno; Kenji Nishiguchi; Satoshi Morinaga; Hirokazu Matsushima

    2014-01-01

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

  18. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

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

  19. Banking Software Applications Security

    Directory of Open Access Journals (Sweden)

    Ioan Alexandru Bubu

    2015-03-01

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

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

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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

  1. Ownership Concentration and Market Value of European Banks

    DEFF Research Database (Denmark)

    Busta, Ildura; Sinani, Evis; Thomsen, Steen

    2014-01-01

    This paper investigates the relationship between ownership concentration and market value of European banks, and the role of the institutional environment in shaping this relationship. Using GMM dynamic estimator on a sample of European banks over a 13-year period (1993–2005) we find on average...... concentration is positive in Scandinavia. We propose that, besides the legal protection of small investors, the differences in the impact of ownership concentration across the countries could be due to the identity of the predominant owners, i.e. financial institutions in Germany and trusts and foundations...

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

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

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

  3. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Ameenullah Aman

    2016-03-01

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

  5. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

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

  6. [The German Environmental Specimen Bank].

    Science.gov (United States)

    Schröter-Kermani, Christa; Gies, Andreas; Kolossa-Gehring, Marike

    2016-03-01

    The main objective of the German Environmental Specimen Bank (ESB) is the long-term storage of environmental and human samples under stable deep-freeze conditions for future research. The ESB is unique in providing a continuous historical record of environmental and human exposure to chemicals in Germany. ESB was started parallel to the development of the first German Chemicals Legislation in the late 1970s. In 1979, the ESB test operation began. After the Chemicals Law came into force in 1982, the ESB was established as a permanent facility in 1985. With the new European Chemicals Legislation, REACH, in 2007 responsibility for the safety of commercial chemicals and risk assessment was assigned to the industry. Since then, the ESB has become even more important in verifying the self-assessment of the industry, in evaluating the effectiveness of regulations, thus ensuring the protection of humans and the environment against adverse effects caused by exposure to chemicals. These objectives are pursued by the regular monitoring of contaminations and the assessment of temporal trends. Demonstrating the necessity of deriving exposure reduction measures, ESB results serve as key information for policy-makers. Information on preventing exposure to chemicals is available to the general public and to the public health services. The ESB is thus an important monitoring instrument of the Federal Ministry for the Environment, Nature Conservation, Building and Nuclear Safety. The Federal Environment Agency operates the ESB based on its own concepts, heads the scientific data evaluation and transfers results into the environmental policy arena and to the general public.

  7. 12 CFR 1261.12 - Reporting requirements for Bank directors.

    Science.gov (United States)

    2010-01-01

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

  8. 12 CFR 1261.14 - Vacant Bank directorships.

    Science.gov (United States)

    2010-01-01

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

  9. 12 CFR 1261.13 - Ineligible Bank directors.

    Science.gov (United States)

    2010-01-01

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

  10. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

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

  11. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

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

  12. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

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

  13. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  14. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  15. 12 CFR 619.9060 - Bank for cooperatives.

    Science.gov (United States)

    2010-01-01

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

  16. PERLINDUNGAN HUKUM BAGI PEMOHON KREDIT DENGAN MENGACU PADA ASAS KESEIMBANGAN ANTARA PELAKU USAHA (BANK DAN KONSUMENNYA (PEMOHON KREDIT

    Directory of Open Access Journals (Sweden)

    Ni Luh Putu Sri Suryaningsih

    2012-10-01

    Full Text Available Banking institutions as one of the financial institutions have a strategic rolein supporting the economic life of a country. Banking institutions meant hereas an intermediary of the parties who have surplus funds to the lack of funds.Banking activities that provide services on the economic sector that do not inspite of the risks that could harm the banks themselves and the customer.Relationship between the bank and the customer is bound to a creditagreement unnoticed by the debtor of his rights is often overlooked by thebank. Guaranteeing the law protection and law certainty for the debtorslosing for such unilateral, the regulations of consumer protection, therefore,have important functions. The type of research used in this paper is thenormative legal research. This research moved from the inclusion of thestandard clause that would open up opportunities for businesses, especiallybanks to position the client, in this case the credit applicant, to be weakerthan the bank.

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

    OpenAIRE

    Talos, Livia

    2016-01-01

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

  18. 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...

  19. Related Lending and Banking Development

    OpenAIRE

    CULL, Robert; Haber, Stephen; Imai, Masami

    2011-01-01

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

  20. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

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

  1. 75 FR 36089 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-24

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

  2. 78 FR 41063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-09

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly...

  3. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Leland E. Boren; Leland E. Boren, IRA; Leland E. Boren as Co-Representative of the LaRita R. Boren...

  4. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Manna, Trustee; Mario John Manna's IRA Account; Claudia Brown Moore; Claudia Brown Moore's IRA...

  5. 76 FR 71344 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the..., Pennsylvania. 2. W. Kirk Wycoff, Ira M. Lubert, and James J. Lynch, all of Philadelphia,...

  6. 76 FR 48862 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-08-09

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Financial Mangers, LLC; Ira M. Lubert; W. Kirk Wycoff; and James J. Lynch, all of Philadelphia,...

  7. 75 FR 30405 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-01

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Hunter Ness Roth IRA, all of Yankton, South Dakota; Michael Forrest Ness, Sioux Falls, South...

  8. 76 FR 40365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-08

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the....; and Ira M. Lubert, W. Kirk Wycoff, and James J. Lynch, all of Philadelphia, Pennsylvania, to...

  9. Dual certification for bank skyscrapers. A company headquarter gets a Green Building; Duale Zertifizierung fuer Bank-Tuerme. Eine Konzernzentrale wird zum Green Building

    Energy Technology Data Exchange (ETDEWEB)

    Luft, Christian; Bauer, Michael [Drees und Sommer Advanced Building Technologies GmbH, Stuttgart (Germany)

    2011-07-01

    Fire protection regulations force the Deutsche Bank AG (Frankfurt/Main, Federal Republic of Germany) to extensive reorganization measures in order to continuously operate their buildings. As part of a complete renovation, Deutsche Bank AG has stipulated a modern, innovative and sustainable example. This is confirmed by the Green Building Certification with the US american label LEED registered in Platinum as well as the German sustainability certificate of the Germain Sustainable Building Council (Stuttgart, Federal Republic of Germany) in gold.

  10. 12 CFR 225.14 - Expedited action for certain bank acquisitions by well-run bank holding companies.

    Science.gov (United States)

    2010-01-01

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

  11. Evaluation of a market in wetland credits: entrepreneurial wetland banking in Chicago.

    Science.gov (United States)

    Robertson, Morgan; Hayden, Nicholas

    2008-06-01

    With the rise of market-led approaches to environmental policy, compensation for permitted discharge of dredge or fill material into wetlands under Section 404 of the U.S. Clean Water Act has been purchased increasingly from entrepreneurial third-party providers. The growth of this practice (i.e., entrepreneurial wetland banking) has resolved many challenges associated with wetland compensation. But it has also produced (1) quantifiable temporal loss of wetland ecological functions, (2) spatial redistribution of wetland area, and (3) a degree of regulatory instability that may pose a threat to entrepreneurial compensation as a sustainable component of wetland-compensation policy. We used achieved compensation ratios, lapse between bank credit sale and the attainment of performance standards, distance between impact and bank site, and changes in bank market area to examine these 3 factors. We analyzed data from a census of all such transactions in the Chicago District of the U.S. Army Corps of Engineers, compiled from site visits, Corps databases, and contacts with consultants and Section 404 permittees. Entrepreneurial banking provided compensation at a lower overall ratio than nonbank forms of compensation. Approximately 60% of bank credits were sold after site-protection standards were met but before ecological performance standards were met at the bank site. The average distance between bank and impact site was approximately 26 km. The area of markets within which established banks can sell wetland credits has fluctuated considerably over the study period. Comparing these data with similar data for other compensation mechanisms will assist in evaluating banking as an element of conservation policy. Data characterizing the performance of entrepreneurial wetland banks in actual regulatory environments are scarce, even though it is the most established of similar markets that have become instrumental to federal policy in administering several major environmental

  12. Islamic Banks and Financial Stability; An Empirical Analysis

    OpenAIRE

    Martin Cihak; Heiko Hesse

    2008-01-01

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

  13. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

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

  14. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

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

  15. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

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

  16. NIH NeuroBioBank

    Data.gov (United States)

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

  17. Customer Loyalty in Internet Banking

    Directory of Open Access Journals (Sweden)

    Y. Aysha Fathima

    2015-06-01

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

  18. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

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

  19. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

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

  20. Consumer protection in electronic commerce

    Directory of Open Access Journals (Sweden)

    Nicoleta Andreea NEACŞU

    2016-07-01

    Full Text Available Electronic commerce is one of the most important aspects of the Internet and allows people to buy instant. Fast and easy development of e-commerce has led to the necessity of consumer protection in cyberspace, where trade takes place, so as to ensure consumer safety and security matters. This article examines e-commerce in terms of consumer protection and data security, which concerns equally all stakeholders in the electronic market: buyers, sellers, banks, courier cargo and other participants.

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

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

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

  2. Essays in banking and international finance

    NARCIS (Netherlands)

    Schäfer, Larissa

    2015-01-01

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

  3. Supervisory powers and bank risk taking

    NARCIS (Netherlands)

    Shehzad, Choudry Tanveer; De Haan, Jakob

    2015-01-01

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

  4. Foreign bank ownership and household credit

    NARCIS (Netherlands)

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

    2015-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    Sun Jin

    2010-01-01

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

  6. International taxation and cross-border banking

    NARCIS (Netherlands)

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

    2014-01-01

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

  7. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  8. 26 CFR 1.581-1 - Banks.

    Science.gov (United States)

    2010-04-01

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

  9. 29 CFR 1917.126 - River banks.

    Science.gov (United States)

    2010-07-01

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

  10. 76 FR 10671 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-02-25

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

  11. NECESSITY TO DIMINISH THE GIANT BANKS

    Directory of Open Access Journals (Sweden)

    Alexandru GRIBINCEA

    2013-06-01

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

  12. Size and support ratings of US banks

    NARCIS (Netherlands)

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

    2016-01-01

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

  13. New competitive strategies of foreign banks in large emerging economies: the case of Brazil

    Directory of Open Access Journals (Sweden)

    Fernando J. Cardim de Carvalho

    2000-06-01

    Full Text Available Financial relations have been deeply transformed in the 1980s and 1990s by deregulation and liberalization. Among the most affected by these changes has been the banking system. Domestic banks have generally lost the implicit protection given by regulatory barriers to entry. Until very recently, in most of the world, foreign banks had their range of operations limited by both regulatory and market factors in developed and developing countries alike. This has radically changed in the 1990s. Foreign banks previously content to hold marginal positions in domestic emerging markets started to pursue aggressive strategies of expansion. Competition among banks operating domestically is being intensified as a result, particularly in emerging economies large enough to support entry of new banking firms. We examine the case of Brazil, where, following the semi-crisis of 1995, a significant number of banks set up subsidiaries fighting for increasing market shares of the domestic market. The paper shows the ways these banks chose to enter the market and explores the perspectives for the domestic banking sector.

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  16. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; Scher, Mark J.

    1999-01-01

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

  17. Fractional Reserve in Banking System

    OpenAIRE

    Valkonen, Maria

    2016-01-01

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

  18. Managing factoring in banking groups

    OpenAIRE

    2006-01-01

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

  19. Bank Mergers, Competition and Liquidity

    OpenAIRE

    Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo

    2004-01-01

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

  20. The East Anglian Eye Bank.

    Science.gov (United States)

    Knights, P

    1991-07-01

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

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

    Directory of Open Access Journals (Sweden)

    Robert W Thacker

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

  2. IMPORTANCE OF THE EUROPEAN BANKING UNION NEW DIRECTIVES

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2014-10-01

    Full Text Available European Banking Union has set new rules on monetary market especially for credit institutions and for financial banking groups in general. Economic and monetary union requires accomplishment of political and monetary union and democratic control of the European institutions on a single financial market. In this respect through its management organisms, EU has designed a series of unique mechanisms of financial union and called for a fiscal union. Union of European financial market is possible through a new regulation of the markets. In this project, monetary union of the EU member countries is possible by implementing single mechanism of supervision (Single Supervisory Mechanism and single mechanism of resolution (Single Resolution Mechanism. European Banking Union may be made by monitoring of a single banking supervisor based on a common system for managing and resolving banking crises and a uniform system of protecting people's savings. Romania opted for these unique mechanisms of macro-prudential supervision of the financial system. And by performing the real convergence criteria of integration, Romania will have all conditions of integration in the ,,euro area,,.

  3. CUSTOMERS CATEGORIES AND TYPES OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    DANIELA SIMONA DIMITRIU

    2012-01-01

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

  4. Marketing Aspect of Banking Competition

    Directory of Open Access Journals (Sweden)

    Nieizviestna Olena V.

    2015-03-01

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

  5. Cash efficiency for bank branches.

    Science.gov (United States)

    Cabello, Julia García

    2013-01-01

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

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

    NARCIS (Netherlands)

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

    2006-01-01

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

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

    NARCIS (Netherlands)

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

    2010-01-01

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

  8. COMPETITION IN ROMANIAN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Capraru Bogdan

    2011-07-01

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

  9. Management of Financial and Banking Risk

    OpenAIRE

    Ion Gr. Ionescu

    2013-01-01

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

  10. Board Effectiveness in the European Banking Industry

    DEFF Research Database (Denmark)

    Busta, Ilduara; Hobdari, Bersant

    2015-01-01

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

  11. Customer Satisfaction and Islamic Banking in Pakistan

    OpenAIRE

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

    2011-01-01

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

  12. Optimal Bank Regulation and Monetary Policy

    OpenAIRE

    John J. Seater

    2000-01-01

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

  13. Legal and actual central bank independence

    OpenAIRE

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

    2010-01-01

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

  14. Thailand - Country Development Partnership : Social Protection

    OpenAIRE

    World Bank

    2002-01-01

    The Thailand Country Development Partnership for Social Protection (CDP-SP) is a collaborative program of policy development and technical assistance between the Ministry of Labor and Social Protection and the Bank and was launched in July 2001. CDP-SP operates in three key policy areas: labor markets; social insurance; and social assistance and safety nets. This report reviews the objecti...

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

    Directory of Open Access Journals (Sweden)

    Ganesan R

    2009-05-01

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

  16. IR Spectrum Data Bank System

    Institute of Scientific and Technical Information of China (English)

    Xie Dilin

    2004-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

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

    2009-01-01

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

  18. 12 CFR 337.11 - Effect on other banking practices.

    Science.gov (United States)

    2010-01-01

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

  19. 12 CFR 7.1002 - National bank acting as finder.

    Science.gov (United States)

    2010-01-01

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

  20. 12 CFR 950.8 - Banks as secured creditors.

    Science.gov (United States)

    2010-01-01

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

  1. 12 CFR 614.4020 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

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

  2. 12 CFR 25.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 229.55 - Expedited recredit for banks.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 228.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

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

  5. 12 CFR 614.4355 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

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

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

    OpenAIRE

    Bojinov, Bojidar

    2015-01-01

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

  7. Pattern Analysis On Banking Dataset

    Directory of Open Access Journals (Sweden)

    Amritpal Singh

    2015-06-01

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

  8. Tumour banking: the Spanish design.

    Science.gov (United States)

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

    2007-01-01

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

  9. The Too-Big-To-Fail Problem: The Case of the Post-Crisis Banking System in Iceland

    OpenAIRE

    Snorri Páll Gunnarsson 1995

    2016-01-01

    This thesis aims to assess the issue of too-big-to-fail (TBTF) banks in the Icelandic banking system from 2008 and to the present. It attempts to gauge the extent to which the issue is relevant to the current banking system. TBTF has become a shorthand for, among other things, banks that uninsured creditors expect the government to protect in the case of failure in light of their systemic importance and interconnectedness, as well as the high cost associated with their exit from the market. S...

  10. Indian Banking Industry: Challenges And Opportunities

    Directory of Open Access Journals (Sweden)

    Dr. Krishna A. Goyal

    2012-02-01

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

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

    Institute of Scientific and Technical Information of China (English)

    顾晓敏; 朱赟赟

    2004-01-01

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

  12. 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.

  13. 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.

  14. Global health policies that support the use of banked donor human milk: a human rights issue

    OpenAIRE

    Arnold Lois DW

    2006-01-01

    Abstract This review examines the role of donor human milk banking in international human rights documents and global health policies. For countries looking to improve child health, promotion, protection and support of donor human milk banks has an important role to play for the most vulnerable of infants and children. This review is based on qualitative triangulation research conducted for a doctoral dissertation. The three methods used in triangulation were 1) writing as a method of inquiry...

  15. 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,...

  16. LEGISLATIVE COLLISIONS OF LEGAL REGULATION OF ADMINISTRATIVE ENFORCEMENT WITHIN ACTIVITIES OF NATIONAL BANK OF UKRAINE AND METHODS OF THEIR ELIMINATION

    Directory of Open Access Journals (Sweden)

    Yuriy Pyvovar

    2016-11-01

    Full Text Available Purpose: Determining legislative conflicts and gaps related to imposing sanctions by the National Bank of Ukraine to banks as well as developing the grounded offers on how to eliminate the respective legal defects. Results: Comparing the aim of banking regulation assigned to the NBU and the aim of regulation in other areas of the state economy (e.g., financial, environmental protection and safety and etc. allows assuming that the state has vested the NBU with a ‘superfunction’ that would be more appropriate for the Verkhovna Rada (Parliament of Ukraine as the single state legislative authority authorized to create the system of the rules of law in different areas of the social life of the country (including the banking sector. Based on the general legal doctrine, we consider that the provision of the Law of Ukraine on the National Bank of Ukraine stipulating the primary aim of banking regulation, especially the development of the system of rules, should be amended by replacing the term ‘banking regulation’ by the category ‘banking legal regulation’ in particular. Therewith, it should be defined that the latter aims at harmonizing social relations in the banking sector. We also thing that it is reasonable to – first and foremost – define the term ‘banking legal regulation’ and its meaning in the basic sectoral legislative act – the Law of Ukraine on Banks and Banking. In this article accentuated that the most controversial direction of banking regulation is ‘the responsibility for the violation of banking laws.’ Having analysed the effective laws, we can state that today the NBU covers the powers at three levels with different organization: first, making a decision on bank liquidation; second, implementing this decision (particularly by registering the bank liquidation in the Unified State Registry of Legal Entities and Individual Entrepreneurs; third, controlling and supervising the process of the implementation of the

  17. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

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

  18. Predicting PTSD following bank robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Elklit, Ask

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

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

    OpenAIRE

    Pasaribu, Andreas Dimpos

    2012-01-01

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

  20. THEORETICAL CONCEPTS ON BANK OF FUTURE

    OpenAIRE

    2013-01-01

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

  1. Radiation Protection

    Science.gov (United States)

    ... EPA United States Environmental Protection Agency Search Search Radiation Protection Share Facebook Twitter Google+ Pinterest Contact Us Radiation Protection Document Library View and download EPA radiation ...

  2. The World Bank and poverty.

    Science.gov (United States)

    Lipton, M; Shakow, A

    1982-06-01

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

  3. 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...

  4. Population and the World Bank.

    Science.gov (United States)

    Sankaran, S

    1973-12-01

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

  5. Utopian Narratives of I. Banks

    Directory of Open Access Journals (Sweden)

    Novikova V. G.

    2013-01-01

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

  6. Remuneration in European Commercial Banks

    Directory of Open Access Journals (Sweden)

    József Tóth

    2016-04-01

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

  7. Protecting yourself online for dummies

    CERN Document Server

    Muir, Nancy C

    2014-01-01

    Protect your privacy and use the internet safely! Don't let news about internet risks deter you from taking full advantage of its benefits! The web is such an amazing and useful resource for connecting with friends and family, shopping, banking, catching up on current events, and getting help in a myriad of ways. Let AARP's Protecting Yourself Online For Dummies arm you with the information you need to use the internet with confidence. You'll learn: How and why risks can occurSteps to protect yourself from identity theft, fraud, and e-mail scamsExpert tips for creating strong passwords and s

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Usman Bashir

    2014-04-01

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

  10. THE COMPARISON OF BANKING SUPERVISION MODEL IN INDONESIA, UNITED KINGDOM, SOUTH KOREA AS EFORTS TO IMPROVE INDONESIAN SUPERVISION SYSTEM

    Directory of Open Access Journals (Sweden)

    Sulistyandari

    2015-05-01

    Full Text Available This study aims to revise banking supervision by conducting comparative studies research model of banking supervision in Indonesia, the UK, South Korea and the aspirations of the respondents (Bank, OJK, theorist in Central Java on efforts to improve banking supervision is now done in Indonesia. The results show Indonesian comparison with the UK and South Korea gives the idea that the OJK in charge of education and consumer protection to enhance its role as practiced by the FCA in the UK, and the LPS assignments need to be expanded in order to ensure that all consumers of financial institutions as was done by the FSCS in the UK and KDIC in South Korea. Aspirations of the people of the regulation and supervision of banking include aspects of regulatory, law enforcement, infrastructure, community (the Bank and culture.

  11. Assessment of Correspondent Banks Case Study

    Directory of Open Access Journals (Sweden)

    Abeer F.A.A. Abbadi

    2011-01-01

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

  12. PROSPECTS OF ISLAMIC BANKING: REFLECTIONS FROM PAKISTAN

    Directory of Open Access Journals (Sweden)

    Muhammad Akram

    2011-06-01

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

  13. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

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

  14. ARRANGEMENT OF LAW BY STATE FINANCIAL AUTHORITY IN REALIZING NATIONAL BANKING INDUSTRY THAT’S HEALTHY AND DYNAMIC

    Directory of Open Access Journals (Sweden)

    Muammar Arafat Yusmad

    2015-12-01

    Full Text Available he development of national banking nowadays are growing fast, competitive and integrative. One problem of Indonesian banking system related with practicing law arrangement which is a harmonization process toward legislations. The focus problems are: law arrangement in banking governance, the procedure of the law arrangement in achieving national bank industry which are healthy and dynamic. As intermediary institutions, bank should be in a healthy condition in order to gain public confidence and deserve to increase national economic growth. Based on the conceptual discussion, obtained arguments are: (1 The law arrangement of national banking should be done coodinately between Otoritas Jasa Keuangan (OJK and Bank Indonesia (BI; (2 Procedure of law arrangement according to the function and authority of OJK and BI which the urgent subjects are to avoid conflict of norm, overlapping policies and limited validity of norm of the law case which happen and will be happen; (3 banking law arrangement include bank arrangement and supervision system, strengthening internal condition of the bank, empowering and protecting consumer with complaints mechanism and follow-up which are clear and measurable.

  15. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to voting shares of Anchor Commercial...

  16. 76 FR 66719 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-10-27

    ... From the Federal Register Online via the Government Publishing Office ] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to acquire additional voting shares of...

  17. 76 FR 17521 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-03-30

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

  18. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  19. Competing for Private Banking Pie in China

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  20. Characteristics of Managing Operational Banking Risk

    Directory of Open Access Journals (Sweden)

    Adela Socol

    2008-12-01

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

  1. Specific Features of Internal Audit in Banks

    Directory of Open Access Journals (Sweden)

    Ivo Mijoč

    2011-12-01

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

  2. Regional Development and Effects of Investment Banks

    Directory of Open Access Journals (Sweden)

    İsmail Erkan Çelik

    2013-04-01

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

  3. Methods of marketing research in banking

    OpenAIRE

    Kraevskiy, B.; Makukhina, Ya.

    2017-01-01

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

  4. New Economy, Old Central Banks?

    NARCIS (Netherlands)

    Berk, Jan Marc

    2002-01-01

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

  5. Essays on competition in banking

    NARCIS (Netherlands)

    van Boxtel, A.A.

    2015-01-01

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

  6. Item Banking with Embedded Standards

    Science.gov (United States)

    MacCann, Robert G.; Stanley, Gordon

    2009-01-01

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

  7. A Classroom Experiment on Banking

    Science.gov (United States)

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

    2012-01-01

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

  8. Learning and the central bank

    OpenAIRE

    Charles T. Carlstrom; Timothy S. Fuerst

    2001-01-01

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

  9. Transportation Environment Data Bank index

    Energy Technology Data Exchange (ETDEWEB)

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

    1977-04-01

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

  10. A model to authenticate requests for online banking transactions

    Directory of Open Access Journals (Sweden)

    Saad M. Darwish

    2012-09-01

    Full Text Available As the number of clients using online banking increases, online banking systems are becoming more desirable targets for attacks. To maintain the clients trust and confidence in the security of their online banking services; financial institutions must identify how attackers compromise accounts and develop methods to protect them. Towards this purpose, this paper presents a modified model to authenticate clients for online banking transactions through utilizing Identity-Based mediated RSA(IB-mRSA technique in conjunction with the one-time ID concept for the purpose of increasing security, avoiding swallow’s sorties and preventing reply attacks. The introduced system exploits a method for splitting private keys between the client and the Certification Authority (CA server. Neither the client nor the CA can cheat one another since one-time ID can be used only once and each signature must involve both parties. The resulting model seems to be practical from both computational as well as storage point of view. The experimental results show the effectiveness of the proposed model.

  11. Strengthening E - Banking security using Keystroke Dynamics

    OpenAIRE

    AHMAD KABIR USMAN; MAHMOOD HUSSA IN SHAH

    2013-01-01

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

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

    OpenAIRE

    Kardina, Tika

    2011-01-01

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

  13. Shadow Banking – International and Domestic Developments

    OpenAIRE

    Josef Manalo; Kate McLoughlin; Carl Schwartz

    2015-01-01

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

  14. Context-aware application for mobile banking

    OpenAIRE

    Polak, Marko

    2011-01-01

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

  15. Capitalizing Central Banks: A Net Worth Approach

    OpenAIRE

    Alain Ize

    2005-01-01

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

  16. Development of the banking system in Georgia

    OpenAIRE

    Kbiltsetskhlashvili, Tea

    2008-01-01

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

  17. EME banking systems and regional financial integration

    OpenAIRE

    Bank for International Settlements

    2014-01-01

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

  18. Perbandingan Penawaran Investasi Depostio Bank Syariah

    OpenAIRE

    Hery Harjono Muljo; Holly D

    2010-01-01

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

  19. ACCEPTANCE OF E-BANKING AMONG CUSTOMERS

    OpenAIRE

    K.T. Geetha; V.Malarvizhi

    2012-01-01

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

  20. 12 CFR Appendix D to Part 229 - Indorsement, Reconverting Bank Identification, and Truncating Bank Identification Standards

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2012-01-01

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

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

    NARCIS (Netherlands)

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

    2015-01-01

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

  3. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

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

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

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

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

    NARCIS (Netherlands)

    Deeg, Richard; Donnelly, Shawn

    2016-01-01

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

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

    Data.gov (United States)

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

  7. Geographic Diversification, Competition and Bank Survival

    NARCIS (Netherlands)

    T. Jochem

    2013-01-01

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

  8. A Method for Simulating Bank Reconciliation

    Science.gov (United States)

    Klemin, Vernon W.

    1974-01-01

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

  9. Central bank independence and inflation revisited

    NARCIS (Netherlands)

    Klomp, Jeroen; de Haan, Jakob

    2010-01-01

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

  10. The risks of trading by banks

    NARCIS (Netherlands)

    Boot, A.; Ratnovski, L.; Danielson, J.

    2015-01-01

    Liikanen, Vickers, and Volcker all question current banking-trading links. This chapter offers analytic scaffolding for thinking about the separation of banking and trading. Banking generates low risk returns from relationship-based activities; trading generates high-risk returns from short-term con

  11. Leverage, Bank Employee Compensation and Institutions

    NARCIS (Netherlands)

    Bertay, Ata; Uras, Burak

    2016-01-01

    This paper investigates the empirical relationship between financial structure and employee compensation in the banking industry. Using an international panel of banks, we show that well-capitalized banks pay higher wages to their employees. Our results are robust to changes in measurement, model sp

  12. 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.

  13. 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.

  14. An Analysis of Adopting Mobile Banking in Kenya

    OpenAIRE

    Ibrahim, Badru Abdullatif

    2015-01-01

    ABSTRACT: Banks in Kenya have adopted mobile banking (M-banking) technology in order to provide convenient and affordable banking services. In Kenya mobile banking was introduced in 2007 by Safaricom. Safaricom introduced M-Pesa which was the platform for mobile banking and all the transactions were operated through this innovation. The embrace of mobile banking in Kenya was so high that it was the leading provider of mobile banking services and its performance has been great compared to all ...

  15. Transformation of the Polish Banking Sector

    Directory of Open Access Journals (Sweden)

    Marek Stefański

    2009-07-01

    Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single

  16. Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey

    Directory of Open Access Journals (Sweden)

    Deger Alper

    2011-04-01

    Full Text Available The aim of this study is to examine the bank-specific and macroeconomic determinants of the banks profitability in Turkey over the time period from 2002 to 2010. The bank profitability is measured by return on assets (ROA and return on equity (ROE as a function of bank-specific and macroeconomic determinants. Using a balanced panel data set, the results show that asset size and non-interest income have a positive and significant effect on bank profitability. However, size of credit portfolio and loans under follow-up have a negative and significant impact on bank profitability. With regard to macroeconomic variables, only the real interest rate affects the performance of banks positively. These results suggest that banks can improve their profitability through increasing bank size and non-interest income, decreasing credit/asset ratio. In addition, higher real interest rate can lead to higher bank profitability.

  17. Foreign Banks in Sub-Saharan Africa - Do North-South and South-South Banks Induce Different Effects on Domestic Banks?

    OpenAIRE

    Pohl, Birte

    2010-01-01

    In theory, the presence of foreign banks has spillover and competition effects on domestic banks leading to higher efficiency. Next to foreign banks from industrialized countries (north-south banks), foreign banks from developing countries (south-south banks) are important investors in Sub-Saharan Africa (SSA). South-south banks are either regional investors or are hosted in developing countries beyond SSA. This paper studies the competitive advantages and strategies of north-south as well as...

  18. The effects of mobile banking application user satisfaction and system usage on bank-customer relationships

    OpenAIRE

    Shaikh, Aijaz A.; Karjaluoto, Heikki

    2016-01-01

    This study examines mobile banking (m-banking) application usage in Finland by linking it with customer-bank relationship development. Specifically, we examine how usage is related to relationship commitment, overall satisfaction, intention to recommend the bank and future intentions to remain with the bank. A survey was used to collect data from experienced mbanking application users. In total, 273 valid responses were received. The results support the hypotheses and rev...

  19. INTERNAL BANKING CONTROL AND AUDIT: A COMPARATIVE APPROACH IN THE ROMANIAN BANKING SECTOR

    OpenAIRE

    Adela Socol

    2011-01-01

    The purpose of this paper is to realize a comparative analysis of theinternal banking control and internal audit, based on the Romanian banking system case.We identify the main differences and similarities between internal control and internalaudit at the level of Romanian banks. Using national regulatory framework and activebanks‘ from Romanian behavior, we find evidence of the risk-based audit approach andthe solid interdependence between the banking internal control and banking internalaud...

  20. Banking Efficiency, Consolidation and Foreign Ownerhip: Evidence from the Polish Banking Market

    OpenAIRE

    Havrylchyk, Olena

    2007-01-01

    The thesis consists of four separate papers that can be read individually. In the first paper “Efficiency of the Polish Banking Industry: Foreign versus Domestic Banks” we analyze the efficiency of foreign and domestic banks. The second paper entitled “Foreign Acquisitions and Industry Wealth Effects of Privatisation: Evidence from the Polish Banking Industry” investigates the reaction of Polish bank stocks to acquisition by foreign investors. The third paper “Consolidation of the Polish Bank...

  1. Legal and Actual Central Bank Independence: A Case Study of Bank Indonesia

    OpenAIRE

    De Haan, Jakob; I Kadek Dian Sutrisna Artha

    2010-01-01

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

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

    OpenAIRE

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

    2010-01-01

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

  3. CULTURE TRANSFORMATION: LESSONS FROM BANK MANDIRI AND BANK BRI

    Directory of Open Access Journals (Sweden)

    Mahmuddin Yasin

    2014-11-01

    Full Text Available This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO. The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1 integration human resources planning with corporate plan, (2 skill development accommodating individual, organizational and business needs, (3 effective strategy aligned with appropriate system and proper business orientation, (4 suitable organizational structure with internal and external business environment, (5 system development oriented to customer satisfaction, (6 proper style of leadership that affects organizational culture and financial performance, (7 implementation of organizational culture in increasing corporate performance, and (8 consistency in socializing and implementing corporate culture.

  4. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following...

  5. 12 CFR 225.129 - Activities closely related to banking.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.129 Section 225.129 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.129 Activities closely related to banking. Courier activities....

  6. 12 CFR 225.123 - Activities closely related to banking.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.123 Section 225.123 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.123 Activities closely related to banking. (a) Effective June...

  7. Bank regulation and financial fragility in developing countries

    NARCIS (Netherlands)

    Klomp, Jeroen; Haan, de Jakob

    2015-01-01

    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 bank

  8. 12 CFR 34.84 - Future bank expansion.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84... APPRAISALS Other Real Estate Owned § 34.84 Future bank expansion. A national bank normally should use real estate acquired for future bank expansion within five years. After holding such real estate for one...

  9. 12 CFR 614.4000 - Farm Credit Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks. 614.4000 Section 614.4000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4000 Farm Credit Banks. (a) Long-term real estate lending. Except to the extent...

  10. 12 CFR 627.2750 - Priority of claims-banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Priority of claims-banks. 627.2750 Section 627.2750 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM TITLE IV CONSERVATORS, RECEIVERS, AND VOLUNTARY LIQUIDATIONS Receivers and Receiverships § 627.2750 Priority of claims—banks....

  11. 12 CFR 614.4010 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4010 Agricultural credit banks. (a) Long-term real estate lending. Except to...

  12. 12 CFR 345.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Public notice by banks. 345.44 Section 345.44 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY COMMUNITY REINVESTMENT Records, Reporting, and Disclosure Requirements § 345.44 Public notice by banks....

  13. 12 CFR 215.8 - Records of member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Records of member banks. 215.8 Section 215.8 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM LOANS TO EXECUTIVE OFFICERS, DIRECTORS, AND PRINCIPAL SHAREHOLDERS OF MEMBER BANKS (REGULATION O) § 215.8 Records...

  14. 12 CFR 214.5 - Accounts with foreign banks.

    Science.gov (United States)

    2010-01-01

    ... RELATIONS WITH FOREIGN BANKS AND BANKERS (REGULATION N) Regulations § 214.5 Accounts with foreign banks. (a) Any Federal Reserve Bank, with the consent of the Board, may open and maintain accounts payable in... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Accounts with foreign banks. 214.5 Section...

  15. 12 CFR 209.3 - Cancellation of Reserve Bank stock.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Cancellation of Reserve Bank stock. 209.3... ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.3 Cancellation of Reserve Bank stock. (a) Application for cancellation. Any bank that desires to withdraw from membership...

  16. THE EFFECT OF IMPLEMENTING CORE BANKING SERVICES ON PROFITABILITY. CASE STUDY: ALL BRANCHES OF A PRIVATE BANK IN MASHHAD

    OpenAIRE

    Mansour Dehghan; mahdi ghafoorifard; Babak Shamsi; Seyed hamid Seyed heydari Seyed heydari

    2015-01-01

    Recently, the growth of information technology and increasing competition among banks has considerably affected attracting customers. Banking industry has made great changes to transform into the core banking. The present study aims to assess the effect of the implementation of core banking services on profitability. These services, as different branches of electronic banking, are consisting of internet banking, mobile banking, telephone banking, point of sale (POS), ATM, and electronic money...

  17. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

    Full Text Available 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 that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

  18. E-banking innovations in Poland

    Directory of Open Access Journals (Sweden)

    Krzysztof Biernacki

    2013-07-01

    Full Text Available The paper shows a number of important e-banking innovations that take place on Polish market. It also presents digital channels trends in e-banking and mobile banking with projections for next five years. All innovations being developed are more and more considered by the banks as an element of their strategy, in order to offer enhanced customer experience and better ménage relations with their customers. A visible trend is integration of digital channels with physical ones. Banks tend to invest more in innovations in order to gain competitive advantage.

  19. ANALYSIS ON CORPORATE GOVERNANCE INFLUENCES TOWARD BANKING EFFICIENCY WITH BANK CATEGORY AS MODERATOR VARIABLE

    Directory of Open Access Journals (Sweden)

    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 banks efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamic bank 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.

  20. Banking Efficiency in Lebanon: An Empirical Investigation

    Directory of Open Access Journals (Sweden)

    Mouataz Zreika

    2011-01-01

    Full Text Available Problem statement: The main goal behind this study is to identify whether banks are working at full efficiency or not and spot the changes in efficiency for banks operating in Lebanon after 2007 financial crisis. Approach: This study was conducted to examine the technical efficiency of 40 banks operating in Lebanon over the two sub-periods 2002-2006 and 2006-2009 using Data Envelopment Analysis (DEA. Results: The results from DEA show that the extent of technical efficiency varies across the banks. Citibank, HSBC, BBAC, IBL and FBL are found to be working at fully technical efficiency, while RBA, HBA, BCN, SGBL, BLA and SLCB are found to be prominently inefficient. Technical efficiency is the highest in large banks and lowest in small banks. Conclusion: After 2007 financial crisis, foreign banks have suffered more with technical efficiency decreasing in foreign banks, while local banks had a significant increase in technical efficiency. Small and medium banks are found to be working at increasing returns to scale, while large banks are working at decreasing returns to scale.

  1. Banking Regulation Of Western Balkan Countries

    Directory of Open Access Journals (Sweden)

    Denada Hafizi

    2014-10-01

    Full Text Available The current global economic crisis has affected the development of banking system in Western Balkan Countries, including Italy and Greece. These effects are expressed with the contraction of lending, fallen of foreign direct investments, fallen of the volume of remittances and fallen of international trade. The banking system continually faces new challenges in a dynamically changing financial system, and this makes difficult theimplementation of bank regulation and supervision.All the countries have improved their banking regulation in order to avoid the contagion effect among banks and banking system in general, effects that get increased especially when banks are engaged in international banking. The standardization of regulatory requirements provides potential solution to the problems of regulating international banking. So, there is a moving through agreements like Basel Accords.For all these countries will be a comparison of regulatory capital to risk-weighted assets ratio and of capital to assets ratio in order to find out how well is capitalized their bankingsystem. The sources of data are the reports of International Monetary Fund for a time series of 2008-2013. In the end there are some conclusions for the main problems that theimplementation of supervision and bank regulation faces.Keywords: Basel Accords, Capital Ratio, Banking Regulation

  2. [Medical application of breast milk banks].

    Science.gov (United States)

    Liu, Xi-Hong; Ding, Zong-Yi

    2014-07-01

    The history of breast milk banks is over 100 years. Most of the milk banks were closed because of HIV in the 80's. But more and more milk banks are re-opening and new ones are being established as the composition and superiority of breast milk are recognized again. The Human Milk Banking Association of North America and European Milk Bank Association have been set up and they have established and revised the standards and guidelines of breast milk banks. There is no doubt of the clinical effects of donor human milk on preterm infants worldwide. The Committee on Nutrition of the European Society for Pediatric Gastroenterology, Hepatology and Nutrition recommended that the preterm infants should use donor human milk when their own mothers' milk is not enough. The first breast milk bank was set up in China in 2013, and its clinical and social significance is worthy of further study.

  3. Bank Liquidity Risk: Analysis and Estimates

    Directory of Open Access Journals (Sweden)

    Meilė Jasienė

    2012-12-01

    Full Text Available In today’s banking business, liquidity risk and its management are some of the most critical elements that underlie the stability and security of the bank’s operations, profit-making and clients confidence as well as many of the decisions that the bank makes. Managing liquidity risk in a commercial bank is not something new, yet scientific literature has not focused enough on different approaches to liquidity risk management and assessment. Furthermore, models, methodologies or policies of managing liquidity risk in a commercial bank have never been examined in detail either. The goal of this article is to analyse the liquidity risk of commercial banks as well as the possibilities of managing it and to build a liquidity risk management model for a commercial bank. The development, assessment and application of the commercial bank liquidity risk management was based on an analysis of scientific resources, a comparative analysis and mathematical calculations.

  4. Operational risk and e-banking

    Directory of Open Access Journals (Sweden)

    Şerbu, R.

    2010-12-01

    Full Text Available Banking involves a variety of risks. Under Basel II, the main risks are the monitored credit risk, market risk and operational risk. Frequently, operational risks are underestimated, considering that they would not affect the optimal activity of a bank. However, past experience of some credit institutions have shown that operational risk is an important cause of financial losses in the banking sector. Operational risk is generated by a complex of factors that manifests primarily as a result of direct customer interaction with the credit institution. In this context, the provision of e-banking services reduces direct contact with bank customers and thus reduces potential losses arising from operational risk. In sum, we consider it necessary to be aware of the link between operational risk and e-banking services promoted by banks and of the importance of this connection especially in a financial environment affected by the financial crisis.

  5. Return on Assets Efficiency of Kenyan Banking Sector

    Directory of Open Access Journals (Sweden)

    Isaiah Onsarigo Miencha

    2016-08-01

    Full Text Available This paper empirically predicts the Return on Assets (ROA efficiency of sample banks by using the Data Envelopment Analysis. A sample of 18 banks was taken for the study. The sample banks were categorized into three main groups’ i.e. large size group, medium size group and small size group. The main objective of this study was to analyze the technical efficiency (in respect of return on asset of sample Kenyan banks, namely, Kenya Commercial Bank Ltd, Standard Chartered Bank Ltd, Barclays bank of Kenya Ltd, Co-operative Bank of Kenya Ltd, CFC Stanbic Bank Ltd, Equity Bank Ltd, Bank of India Ltd, Bank of Baroda Ltd, Commercial Bank of Africa Ltd, National Industrial Development Bank of Kenya Ltd, I & M Bank Ltd, Diamond Trust Bank (K Ltd, Habib Bank Ltd, Oriental Commercial Bank Ltd, Habib Bank A.G. Zurich,Development Bank of Kenya Ltd, Fidelity Commercial Bank Ltd and K-Rep Bank Ltd. The study recommends that the inefficient banks should especially improve their non-cash loans and should control their annual expenditures.

  6. Intellectual Bank Locker Security System

    Directory of Open Access Journals (Sweden)

    S.V.Tejesvi

    2016-02-01

    Full Text Available In today's modern world, security plays an important role. Every person has precious accessories like gold, documents or cash. The main goal of this project is to design and implement a bank locker security system based on fingerprint and GSM technology. It reduces wastage of time for both banker as well as customer and provides advanced security. In this system, only authentic persons can recover money or accessories from bank locker. In this system the user’s name, fingerprint and mobile number are enrolled. If the fingerprint matches, then four digit code will be sent to the authorized person’s mobile through GSM modem and the locker door will be opened then, otherwise it will be in locked position and gives an alarm when any mismatch occurs. The sensors will be active during night times to provide security against thefts.

  7. Q-bank phytoplasma database

    DEFF Research Database (Denmark)

    Contaldo, Nicoletta; Bertaccini, Assunta; Nicolaisen, Mogens

    2014-01-01

    The setting of the Q-Bank database free available on line for quarantine phytoplasma and also for general phytoplasma identification is described. The tool was developed in the frame of the EU-FP7 project Qbol and is linked with a new project Q-collect in order to made widely available the identi...... the identification of relevant plant pests by nucleic acid sequence comparison of their barcodes....

  8. Money, banks and endogenous volatility

    OpenAIRE

    Pere Gomis-Porqueras

    2000-01-01

    In this paper I consider a monetary growth model in which banks provide liquidity, and the government fixes a constant rate of money creation. There are two underlying assets in the economy, money and capital. Money is dominated in rate of return. In contrast to other papers with a larger set of government liabilities, I find a unique equilibrium when agents' risk aversion is moderate. However, indeterminacies and endogenous volatility can be observed when agents are relatively risk averse.

  9. Price Strategies in Banking Marketing

    Directory of Open Access Journals (Sweden)

    Iuliana Cetina

    2007-01-01

    Full Text Available All organizations must settle a price for the services they offer. The price for services is an important element of the marketing mix, being an important income source for the organization. The settlement of a correct price, both for the market and the competition, is a significant element for the sector of financial - banking services. Another important factor to take into consideration is the fact that the banks do not settle only the prices for individual services, but also coordinate their prices for service packages. As the competition in the financial - banking services has intensified, the settlement of correct prices has become an essential element for the marketing strategy. Nevertheless it is important to remind that the price is not a central element. There are other significant grounds, the price being only one of the elements of the marketing mix. Although in Romania many customers may be sensitive in present to the price, as the competition will increase, the quality of the services will become more important to the customers, and the demand will be complex.

  10. Bulgarian banking: looking for sustainability

    Directory of Open Access Journals (Sweden)

    Garabed Minassian

    2013-10-01

    Full Text Available In this work, we trace and analyze the emergence of the crisis in the Bulgarian banking system as well as the behavior of the central bank and other macroeconomic institutions. The average annual rate of growth in the net profits of the commercial banks for the period 2002-2008 amounted to 31.6%, which encouraged and accounted for the increase in credits. After 2008, the pendulum began to swing back as the difficulties in collecting loan repayments increased, the strain in financial balances tightened and assistance and support from the regulators were requested. The level of the financial and operating income was maintained primarily because of the high interest rates on the loans, but the structure of their distribution shifted substantially. Administrative costs and depreciation were nearly frozen up, and impairment and provisions grew at the expense of profit. This work shows that macroeconomic policies allowed the expansion of the lending boom and encouraged its irrational development. Poor operation and poor quality of the institutions not only allowed but also enabled direction of investments to financing of inefficient production structures. Underestimating the negative consequences shoring up a dysfunctional institutional environment is deemed a form of irrationality; however, not one of the immediate economic players acted to override the economic and political environment. The financial and economic crisis currently affecting the country has its roots in the deficiencies of the domestic macroeconomic policies, and therefore, the efforts toward overcoming these failures should be directed at improved domestic macroeconomic management.

  11. 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.

  12. AN ANALYSIS OF STRUCTURE, BEHAVIOR AND BANKING PERFORMANCE OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Iqbal J. Permana

    2017-02-01

    Full Text Available This study aims to examine the impact of market structure and market behavior on the Islamic banking performance in Indonesia. Using the SCP model framework, this study examines five largest Islamic banking in Indonesia. The result reveals that market behavior, Islamic banking performance, third party funds, the business scale and the target market of Islamic banking have a significant impact on the market structure of Islamic banking industry; the market structure, performance of Islamic banks, types of financing product, profit sharing rate and distribution scale have a significant impact on the behavior of Islamic banking industry; and the market structure, market behavior, human resources development, the quality of Islamic banks’ financing and the credibility of Islamic banking financing have a significant impact on Islamic banking performance in Indonesia.

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

    Directory of Open Access Journals (Sweden)

    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.

  14. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  16. Bank Size, Risk-taking and Capital Regulation in Bangladesh

    Directory of Open Access Journals (Sweden)

    Mohammad M. RAHMAN

    2015-05-01

    Full Text Available This study examines the impact of bank size on bank regulatory capital ratios and risk-taking behavior using a panel dataset of 30 Bangladeshi commercial banks over the period 2008-2012. The relationship between bank regulatory capital ratios and bank risk-taking is also examined. For empirical analysis, generalized methods of moments (GMM panel method are used to explore the relationships among bank size, regulatory capital ratios and risk-taking behavior. Empirical results show that large banks hold lower amount of capital and take higher level of risk. Findings also show a reverse relationship between bank capital levels and bank risk-taking; that is, banks holding higher levels of regulatory capital are significantly less risky. Findings of this study has important implications for the Bangladeshi government, policy makers, banking regulators and bank stakeholders regarding bank size, regulatory capital requirements and overall banking sector risk-taking behavior.

  17. The Decline of Traditional Banking Activities

    Directory of Open Access Journals (Sweden)

    Gabriela Cornelia Piciu

    2011-05-01

    Full Text Available The decline of traditional banking activities raise the issue of efficiency of financial stability, in terms ofquantitative and qualitative aspects – the increasing danger of banking failures as well as of susceptibility due toincreased propensity of banking institutions to assume additional to risks either in the form of riskier loans offer orengaging in other "non-traditional" financial activities which give a promise for greater profitability, but also higherrisks. Non-traditional activities of banking as financial products dealers (financial derivatives, generate an increasingrisks and vulnerabilities in the form of moral hazard issues. That is the reason why and these activities should beregulated as well as are the traditional activities. Challenges posed by the decline of traditional banking activities istwofold: the stability of the banking system must be maintained, while the banking system needs to be restructured toachieve financial stability in the long run. One possible way is an appropriate regulatory framework to encourage atransition period of changing the structure of banking activity(reduction of traditional activities and expanding nontraditional activities to enable banking institutions to perform a deep methodic analysis of non traditional activities,oriented to the financial banking efficiency.

  18. TURKISH BANKING SECTOR’S PROFITABILITY FACTORS

    Directory of Open Access Journals (Sweden)

    Songül Kakilli ACARAVCI

    2013-01-01

    Full Text Available Profitability of banking sector is the most important instrument of financial system for the future of the economy. The objective of this study is to determine by using Johansen and Juselius cointegration test approach of the bank specific and macroeconomic factors that affect the profitability of commercial banks in Turkish banking sector. In study, the data are collected from the three biggest state-owned, privately-owned and foreign banks. The sample period spans from 1998 to 2011. In the study, return of asset, return of equity and net interest margin were used as proxy for profitability of banks. The bank specific determinants, which were thought to have effects on profitability are total credits/total assets, total deposits/total assets, total liquid assets/total assets, total wage and commission incomes/ total assets, total wage and commission expenses/total assets, the logarithm of total assets and total equity/total assets. The macroeconomic determinants of study are real gross domestic product, inflation rate, real exchange rate and real interest rate. Empirical findings suggest that the bank specific determinants have been more effect than macroeconomic factors on profitability of the banks. The reel gross domestic product and real exchange rate have been effective on the profitability. In addition, the 2001 economic crisis has a negative effect on all Turkish Banking sector.

  19. Inside money, procyclical leverage, and banking catastrophes.

    Directory of Open Access Journals (Sweden)

    Charles D Brummitt

    Full Text Available We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe, causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

  20. Inside money, procyclical leverage, and banking catastrophes.

    Science.gov (United States)

    Brummitt, Charles D; Sethi, Rajiv; Watts, Duncan J

    2014-01-01

    We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par) can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe), causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

  1. Business Strategy and Perceived Benefits of Internet Banking: Their Impact on Banks' Strategic Responses to China's Entry to WTO

    Institute of Scientific and Technical Information of China (English)

    刘春红; 江静; 李杰

    2003-01-01

    With the entry to WRO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks'perceived increase in Internet banking investment has no difference between big banks and small banks.

  2. Efficiency of the Macedonian banking sector

    Directory of Open Access Journals (Sweden)

    Naumovska Elena

    2016-01-01

    Full Text Available The subject of this paper is to measure the efficiency of the Macedonian banking sector by applying two approaches: firstly, comparative analysis on the efficiency indicators of the banking sector in the Republic of Macedonia and the countries of Central and Southeastern Europe (CSEE and secondly, Data Envelopment Analysis (DEA. The aim is to provide directions and guidelines for further strengthening of the Macedonian banking sector. According to the comparative analysis of the efficiency indicators (net interest margin and operating costs of the Macedonian banking sector and the countries of CSEE, the countries whose banking sector shows lower operating costs are characterized with a higher level of financial deepening and greater degree of financial intermediation. The high interest margins direct towards unsuitable allocation of financial resources and insufficient competitiveness in the domestic banking sector. When applying the DEA approach, it can be stated that the group of large banks marks the highest efficiency within the Macedonian banking sector. The high concentration degree of banking activities within the group of large banks with a leading role in determining the interest rates, results in a rigid interest policy of the banks. In the direction of strengthening the efficiency of the Macedonian banking sector as a whole, the obtained results show that it is necessary for the banks to be further consolidated so as to utilize the advantages of the economies of scale, increase competitiveness, offer a diversified structure of products, invest in new contemporary software solutions that will allow reinforcement of their employees’ productivity and long-term reduction of the operating costs, as well.

  3. Bank Access Control of Electronic Payment Based on SPKI%基于SPKI电子支付中的银行端访问控制

    Institute of Scientific and Technical Information of China (English)

    王茜; 王富强; 傅鹤岗; 朱庆生

    2003-01-01

    In the system of electronic payment based on SPKI, access control of bank acts as the important function of identification, protecting customer's privacy and ensuring payment. The paper proposes the model of bank access control, and describes the frame and the steps of the access control. Finally, the paper analyzes the characteristics of the model.

  4. 40 CFR 86.1861-04 - How do the Tier 2 and interim non-Tier 2 NOX averaging, banking and trading programs work?

    Science.gov (United States)

    2010-07-01

    ... 2 NOX averaging, banking and trading programs work? 86.1861-04 Section 86.1861-04 Protection of... Vehicles § 86.1861-04 How do the Tier 2 and interim non-Tier 2 NOX averaging, banking and trading programs work? (a) General provisions for Tier 2 credits and debits. (1) A manufacturer whose Tier 2...

  5. Evaluation of banks’ foreign banking groups financial condition in Ukraine

    Directory of Open Access Journals (Sweden)

    Ольга Дмитрівна Вовчак

    2016-09-01

    Full Text Available The article explored and analyzed the banks' activities of foreign banking groups in 2013-2015 on a number of absolute and relative indicators, which allowed to determine their place in the banking system of Ukraine and evaluate the effectiveness of their activities. Also the ratings of banks of foreign banking groups in Ukraine's banking are compared on the basis of information from official sources, and their impact in the banking sector in Ukraine is identified

  6. Strategic Marketing Plan for Huishang Bank in Anhui Province

    OpenAIRE

    Qian, Yani

    2010-01-01

    Huishang Bank Corporation Limited Company was founded on December 28, 2005, and it has operated since January 1, 2006. Before it was established, it merged with six cities' commercial banks and seven urban credit banks in Anhui Province. It then became the first regional bank which had developed from city commercial bank in China. In the last five years, Huishang bank has already got significant progress, and it entered top 500 global banks in 2010. This thesis focuses on the strategic m...

  7. 75 FR 65331 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2010-10-22

    ... State Bank Waukesha Wisconsin. Marathon Savings Bank Wausau Wisconsin. John O. Melby & Co. Bank... Galveston Texas. Gruver State Bank Gruver Texas. Hull State Bank Hull Texas. Industry State Bank...

  8. 76 FR 7210 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-09

    ... Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago..., Illinois; Margot Morrison Brinley, Charlotte, North Carolina; Charles Edward Brinley, Charlotte,...

  9. 78 FR 42522 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-16

    ... Lenox, Illinois. B. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer..., individually; Sarah Beuning, Springfield, Illinois, Steven Beuning, ] Edina, Minnesota, Eric Beuning,...

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

    Directory of Open Access Journals (Sweden)

    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.

  11. Discussion on Improving the Supervision of China Banking%论中国银行业监管的完善

    Institute of Scientific and Technical Information of China (English)

    岳侠

    2012-01-01

    2003年中国成立银行业监督管理委员会(简称银监会),代替中国人民银行统一行使对银行、金融资产管理公司、信托投资公司及其他存款类金融机构监管,以维护银行业的合法、稳健运行.本文重点讨论今后如何完善中国银行业的监管体系.%China Banking Regulatory Commission (CBRC) was founded in 2003, and banks, financial asset management companies, trust investment companies and other deposit financial institutions are supervised by CBRC instead of People's Bank of China in order to protect the banking legal and stable operation. In this paper, how to improve the supervision system of China banking in future was mainly discussed.

  12. Techniques for measuring customers’ satisfaction in Banks

    Directory of Open Access Journals (Sweden)

    Elena Lidia MELNIC

    2016-07-01

    Full Text Available The major concern of banks today is to recover and maintain customer trust. Customers need to feel that banks are considering their best interests. Customers are seeking for easy and personalized information. They want to better understand their financial situation and to control it. They want to know both the benefits, as well as the risks. Clients want to work with banks that are concerned about them and about their personal goals. However, only an attractive offer of banks is not the key to success today if is not supported by a superior service culture, that can make notable differentiation in the market. Many banks all over the world are systematically measuring how well they treat customers, identifying the factors shaping satisfaction, and changing operations and marketing as a result. Wise banks measure customer satisfaction regularly because it is one key to customer retention.

  13. Stream Bank Stability in Eastern Nebraska

    Science.gov (United States)

    Soenksen, Phillip J.; Turner, Mary J.; Dietsch, Benjamin J.; Simon, Andrew

    2003-01-01

    Dredged and straightened channels in eastern Nebraska have experienced degradation leading to channel widening by bank failure. Degradation has progressed headward and affected the drainage systems upstream from the modified reaches. This report describes a study that was undertaken to analyze bank stability at selected sites in eastern Nebraska and develop a simplified method for estimating the stability of banks at future study sites. Bank cross sections along straight reaches of channel and geotechnical data were collected at approximately 150 sites in 26 counties of eastern Nebraska. The sites were categorized into three groups based on mapped soil permeability. With increasing permeability of the soil groups, the median cohesion values decreased and the median friction angles increased. Three analytical methods were used to determine if banks were stable (should not fail even when saturated), at risk (should not fail unless saturated), or unstable (should have already failed). The Culmann and Agricultural Research Service methods were based on the Coulomb equation and planar failure; an indirect method was developed that was based on Bishop's simplified method of slices and rotational failure. The maximum angle from horizontal at which the bank would be stable for the given soil and bank height conditions also was computed with the indirect method. Because of few soil shear-strength data, all analyses were based on the assumption of homogeneous banks, which was later shown to be atypical, at least for some banks. Using the Culmann method and assuming no soil tension cracks, 67 percent of all 908 bank sections were identified as stable, 32 percent were at risk, and 1 percent were unstable; when tension cracks were assumed, the results changed to 58 percent stable, 40 percent at risk, and 1 percent unstable. Using the Agricultural Research Service method, 67 percent of all bank sections were identified as stable and 33 percent were at risk. Using the indirect

  14. Tax evasion and Swiss bank deposits

    DEFF Research Database (Denmark)

    Johannesen, Niels

    2014-01-01

    Bank deposits in offshore financial centers may be used to evade taxes on interest income. A recent EU reform limits the scope for this type of tax evasion by introducing a withholding tax on interest income earned by EU households in Switzerland and several other offshore centers. This paper...... quarters immediately before and after the tax was introduced. We also present evidence suggesting that the drop in Swiss bank deposits was driven by behavioral responses aiming to escape the tax - such as the transfer of funds to bank accounts in other offshore centers and the transfer of formal ownership...... estimates the impact of the withholding tax on Swiss bank deposits held by EU residents while using non-EU residents who were not subject to the tax as a comparison group. We present evidence that Swiss bank deposits owned by EU residents declined by 30–40% relative to other Swiss bank deposits in two...

  15. Security and Privacy of Electronic Banking

    Directory of Open Access Journals (Sweden)

    Zachary Bosire Omariba

    2012-07-01

    Full Text Available The internet has played a key role in changing how we interact with other people and how we do business today. As a result of the internet, electronic commerce has emerged, allowing business to more effectively interact with their customers and other corporations inside and outside their industries. One industry that is using this new communication channel to reach its customers is the banking industry. The e-banking system addresses several emerging trends: customers demand for anytime, anywhere service, product time-to-market imperatives and increasingly complex back-office integration challenges. The challenges that oppose electronic banking are concerns of security and privacy of information. This paper will first discuss the drivers of e-banking; secondly, it will talk about the concerns about e-banking from various perspectives. Thirdly, the security and privacy issues will also be discussed, and fourthly the attacks of e-banking with their solutions are discussed.

  16. Usable Security and E-Banking

    DEFF Research Database (Denmark)

    Hertzum, Morten; Juul, Niels Christian; Jørgensen, Niels Henrik

    2004-01-01

    Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Analysis of the weaknesses suggests that security requirements are among their causes and that the we...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....

  17. Usable security and e-banking

    DEFF Research Database (Denmark)

    Hertzum, Morten; Jørgensen, Niels; Nørgaard, Mie

    2004-01-01

    Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Our analysis of the weaknesses suggests that security requirements are among their causes and that th...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....

  18. Approximately liner phase IIR digital filter banks

    OpenAIRE

    J. D. Ćertić; M. D. Lutovac; L. D. Milić

    2013-01-01

    In this paper, uniform and nonuniform digital filter banks based on approximately linear phase IIR filters and frequency response masking technique (FRM) are presented. Both filter banks are realized as a connection of an interpolated half-band approximately linear phase IIR filter as a first stage of the FRM design and an appropriate number of masking filters. The masking filters are half-band IIR filters with an approximately linear phase. The resulting IIR filter banks are compared with li...

  19. Economic profit and performance measurement in banking

    OpenAIRE

    Ralph C. Kimball

    1998-01-01

    Successful bank operation requires managers to weigh complex trade-offs between growth, return, and risk. In recent years banks increasingly have adopted innovative performance metrics based on the concept of economic profit, rather than accounting earnings to assist managers in making such difficult and complex decisions. Banks hope in this way to elicit better decision-making by managers and also too align managerial behavior more closely with the interests of shareholders. This article ana...

  20. Liberalization, Bank Governance, and Risk Taking

    OpenAIRE

    Illueca, Manuel; Norden, Lars; Udell, Gregory

    2011-01-01

    textabstractWe study the effects of the interplay between deregulation and governance on risk taking in the financial industry. We consider a large natural experiment in Spain where the removal of regulatory geographic constraints for savings banks led to a nationwide expansion of these banks during the past two decades. Based on a unique data set that combines information on the geographic distribution of bank lending, matched lender-borrower financial statements, and borrower defaults, we f...

  1. Cardless Withdrawal System for Mobile Banking Applications

    OpenAIRE

    Calin Mihai Istrate

    2014-01-01

    With the whole world going mobile and with the threats represented by third party mobile payments, the banks need to react and offer their clients innovative integrated solutions for payments and money transfer. Mobile banking applications are more and more used, and the possibilities to expand are still open.A cardless withdrawal solution integrated in an already developed smartphone mobile banking application might just give an edge in the fight with other competitors. By using SMS technolo...

  2. The European Central Bank and the Eurosystem

    OpenAIRE

    Carol C. Bertaut

    2002-01-01

    The Eurosystem comprises the European Central Bank at its center as well as the national central banks of the twelve countries currently participating in monetary union. The European Central Bank was established in July 1998, six months before the beginning of Stage Three of economic and monetary union. Although decisions regarding monetary policy are made centrally by the Governing Council of the Eurosystem, the operational aspects of monetary policy-including open market operations, adminis...

  3. What Role Have Banks in Financial Crises?

    OpenAIRE

    Andries, Alin Marius

    2009-01-01

    Financial crises mainly manifest themselves at the level of financial institutions. Although financial crises can also be generated within non-financial institutions, the role of banking institutions in the occurrence, transmitting and solving of financial crises is a deciding one. Banks play a deciding role in the development of financial crises as financial intermediaries who contribute to the efficient transfer of funds from the abundant agent towards the deficit agents. Banks can facilita...

  4. Modern banking solutions changing business and people

    OpenAIRE

    Myllynen, Juhani

    2009-01-01

    Purpose of the research was to map out user experiences relating to modern banking services such as electronic invoicing, internet banking, payment cards and payments. Private users and businesses were designed their own survey containing similar topics and questions. The theoretical part of the research explained history of various banking solutions in Finland starting from the late 1970’s. Modern technology and solutions were introduced and explained to give an understanding how differe...

  5. The Export-Import Bank of China

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Established in 1994and solely owned by the central government, The Export-Import Bank of China (China Eximbank) is a state policy bank under the direct leadership of the State Council. Its international credit ratings are compatible with the national sovereign ratings. At present,the Bank has seven business branches, six domestic representative offices and two overseas representative offices - one for Southern &Eastern Africa and the other in Paris Rep.

  6. FINANCIAL RISK MANAGEMENT IN TRADE BANKS

    Directory of Open Access Journals (Sweden)

    Ms. Tamara Ye. Kononenko

    2016-09-01

    Full Text Available The paper clarifies the concepts of «risk», «financial risk» in banking business, and considers the main problems of financial risk management in trade banks while financing borrowers. The authors single out the most relevant problems, and conduct the analysis of overdue payment in case of OJSC “Sberbank of Russia”. The authors also offer a number of measures to minimize financial risks in trade bank activities in modern conditions.

  7. Banks and Financial Services, Banks and Churches, Published in 2008, Iron County.

    Data.gov (United States)

    NSGIC GIS Inventory (aka Ramona) — This Banks and Financial Services dataset, was produced all or in part from Other information as of 2008. It is described as 'Banks and Churches'. The extent of...

  8. Environmental Assessment: Submerged Aquatic Plant Management of Banks Lake, Banks Lake NWR, Lakeland, Georgia

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — This Environmental Assessment is an analysis of five alternatives developed to address themanagement of the submerged aquatic plants of Banks Lake on Banks Lake...

  9. 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.

  10. Test bank for college algebra

    CERN Document Server

    Kolman, Bernard; Levitan, Michael L

    1985-01-01

    Test Bank for College Algebra, Second Edition is a supplementary material for the text, College Algebra, Second Edition. The book is intended for use by mathematics teachers.The book contains standard tests for each chapter in the textbook. Each set of test aims to evaluate the level of understanding the student has achieved during the course. The answers for each chapter test and the final exam are found at the end of the book.Mathematics teachers teaching college algebra will find the book very useful.

  11. ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

    Directory of Open Access Journals (Sweden)

    Paun Dragos

    2010-12-01

    Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

  12. PERANCANGAN SISTEM INFORMASI REKONSILIASI TRANSAKSI (BANK XYZ)

    OpenAIRE

    2014-01-01

    Banking world wants to help companies accelerate transaction receipts and disbursements, of the money they save in the bank. Bank account is a means to save money and transact safely and practically. If there is a large payment to the supplier, the company does not need to carry a lot of cash to the suppliers place, simply by giving a check to the supplier, and vice versa. E-Reconciliation is a service from XYZ Bank in the form of a delivery payment transaction data to the custome...

  13. Humane mlečne banke

    OpenAIRE

    Ćosić, Ana

    2013-01-01

    Humane mlečne banke zbirajo, nadzorujejo, obdelujejo, shranjujejo in razdeljujejo darovano mleko. Namenjene so nedonošenčkom in bolnim novorojenčkom, katerih matere nimajo mleka. Namen raziskave je bil ugotoviti osveščenost mater o pomembnosti humanih mlečnih bank. Uporabili smo deskriptivno metodo raziskovanja. Ugotovili smo, da so matere osveščene o pomembnosti humanih mlečnih bank in zato tudi posledično čimprejšnja ustanovitev humane mlečne banke v Sloveniji.

  14. Microscale Insight into Microbial Seed Banks

    Science.gov (United States)

    Locey, Kenneth J.; Fisk, Melany C.; Lennon, J. T.

    2017-01-01

    Microbial dormancy leads to the emergence of seed banks in environmental, engineered, and host-associated ecosystems. These seed banks act as reservoirs of diversity that allow microbes to persist under adverse conditions, including extreme limitation of resources. While microbial seed banks may be influenced by macroscale factors, such as the supply of resources, the importance of microscale encounters between organisms and resource particles is often overlooked. We hypothesized that dimensions of spatial, trophic, and resource complexity determine rates of encounter, which in turn, drive the abundance, productivity, and size of seed banks. We tested this using >10,000 stochastic individual based models (IBMs) that simulated energetic, physiological, and ecological processes across combinations of resource, spatial, and trophic complexity. These IBMs allowed realistic dynamics and the emergence of seed banks from ecological selection on random variation in species traits. Macroscale factors like the supply and concentration of resources had little effect on resource encounter rates. In contrast, encounter rates were strongly influenced by interactions between dispersal mode and spatial structure, and also by the recalcitrance of resources. In turn, encounter rates drove abundance, productivity, and seed bank dynamics. Time series revealed that energetically costly traits can lead to large seed banks and that recalcitrant resources can lead to greater stability through the formation of seed banks and the slow consumption of resources. Our findings suggest that microbial seed banks emerge from microscale dimensions of ecological complexity and their influence on resource limitation and energetic costs. PMID:28119666

  15. The problem of cord blood banking

    Directory of Open Access Journals (Sweden)

    Shved A. D.

    2013-03-01

    Full Text Available The review considers the literature data on issues of cord blood (CB banking in different countries and regions. The existing forms of banks are private, mixed and public, the latter is preferred by most clinicians who are experienced in stem cell transplantation. All the researchers admit the need for development of CB banks, but they note that the progress depends on several factors: the deficit of government financial support and poor people’s awareness of the possibilities of stem cell therapy, the appropriateness and relevance of public resources of CB units in National Banks.

  16. USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    ALIN ISAC

    2013-12-01

    Full Text Available Technology and applications of mobile phones offer many opportunities for businesses, they also presenting a continuous development and new challenges. Although this service is currently viewed with reluctance by customers, banks need to overcome this drawback and understand how this service can be combined with other alternative channels such as social media, to create value for customers. In this paper I presented information about present and perspectives in mobile applications industry, what can a mobile application do in banking, banking mobile applications in Romania, mobile banking applications worldwide.

  17. Investigating the Psychological Impact of Bank Robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Armour, Cherie; Shevlin, Mark

    2014-01-01

    Despite numerous annual bank robberies worldwide, research in the psychological sequelae of bank robberies is sparse and characterized by several limitations. To overcome these limitations we investigated the psychological impact of bank robbery in a cohort study by comparing general levels...... a significantly higher score on general traumatization and somatization compared to the control group whilst controlling for other factors. In conclusion, bank robbery exposure appears to be especially associated with psychological distress in the acute phase and in victims present during the robbery. After...

  18. Earnings and bank profitability in Nigeria

    Directory of Open Access Journals (Sweden)

    John N. N. Ugoani

    2016-12-01

    Full Text Available Bank earnings in form of retained profit help in the capital formation of banks. This is critical because capital inadequacy is often a cause of bank failures. During the banking crisis in Nigeria the gross earnings of many banks diminished considerably due to frauds and bad management. For example, in 2009 the Central Bank of Nigeria revoked the operating licences of fourteen banks which had huge nonperforming loans and were making losses. The fragility in the Nigerian banking system in the 1990s and beyond was compounded due to wide spread poor corporate governance practices and imprudent lending that led to the erosion of gross earnings and profitability. The study employed the exploratory research design. Data analyses were done through description statistics and the regression technique using the statistical package for the social sciences. The regression result was Y = 4.926 + 1.877x meaning that with an increase of 1 percent in gross earnings bank profitability increases by 1.88 percent. This is the crux of the study.

  19. Customer Perspective in Use of Internet Banking

    OpenAIRE

    SEVİM, Taner; ÖMÜR, Gülşen

    2015-01-01

    Abstract— Considered as one of the most significant inventions of the century, the internet, beyond doubt, has either a positive or negative effect on many industries. One of those industries affected by the internet is banking industry. Internet banking being used in Turkey since the early 2000’s made preferred by people by eliminating security issues first. On the other hand, it is a fact that use of internet banking affects number of bank branches and personnel. One of the reasons underlyi...

  20. Complex networks and banking systems supervision

    Science.gov (United States)

    Papadimitriou, Theophilos; Gogas, Periklis; Tabak, Benjamin M.

    2013-10-01

    Comprehensive and thorough supervision of all banking institutions under a Central Bank’s regulatory control has become necessary as recent banking crises show. Promptly identifying bank distress and contagion issues is of great importance to the regulators. This paper proposes a methodology that can be used additionally to the standard methods of bank supervision or the new ones proposed to be implemented. By this, one can reveal the degree of banks’ connectedness and thus identify “core” instead of just “big” banks. Core banks are central in the network in the sense that they are shown to be crucial for network supervision. Core banks can be used as gauges of bank distress over a sub-network and promptly raise a red flag so that the central bank can effectively and swiftly focus on the corresponding neighborhood of financial institutions. In this paper we demonstrate the proposed scheme using as an example the asset returns variable. The method may and should be used with alternative variables as well.