Breda, Mariana O; Oliveira, José V; Esteves Filho, Alberto B; Barbosa, Douglas Rs; Santos, Andrezo A
The evaluation of lethal and sublethal effects is of great importance for a complete assessment of the total impact of chemical compounds upon pest populations and the development of management strategies. In this study, we evaluated the lethal and sublethal effects of different synthetic and botanical products on the broad mite Polyphagotarsonemus latus (Banks), a major pest of Capsicum annuum L. and other crops. Abamectin had the highest lethal effect on P. latus, followed by spiromesifen, azadirachtin, neem oil and nitrogen fertiliser + citric acid. The sublethal effects of the products were indicated by the influence on mite population growth, affecting the numbers of females, males, larvae, pupae and eggs. Furthermore, a negative instantaneous rate of increase in P. latus and repellent effects were observed. The lethal and sublethal effects of abamectin, spiromesifen, azadirachtin and neem oil significantly affect P. latus population growth, as well as causing repellence to this mite on C. annuum, and they should be considered in the integrated pest management of this mite. © 2017 Society of Chemical Industry. © 2017 Society of Chemical Industry.
Ocorrência de Brevipalpus phoenicis (Geijskes (Acari, Tenuipalpidae, Tetranychus urticae (Koch (Acari, Tetranychidae e Polyphagotarsonemus latus (Banks (Acari, Tarsonemidae sobre folhas de Ipomoea cairica (Linnaeus Sweet (Solanales, Convolvulaceae Occurrence of Brevipalpus phoenicis (Geijskes (Acari, Tenuipalpidae, Tetranychus urticae (Koch (Acari, Tetranychidae and Polyphagotarsonemus latus (Banks (Acari, Tarsonemidae on leaves of I. cairica (Linnaeus Sweet (Solanales, Convolvulaceae
Ozana M. de A. Maia
Full Text Available A ocorrência de três espécies acarinas fitófagas é relatada pela primeira vez sobre folhas de Ipomoea cairica. As espécies Brevipalpus phoenicis (Geijskes, Tetranychus urticae (Koch e Polyphagotarsonemus latus (Banks, foram coletadas sobre folhas de I. cairica nas imediações da Universidade Federal do Paraná, Curitiba, Paraná, Brasil, em 20 de janeiro de 2005.The first occurrence of three phytophagus mites on Ipomoea cairica, is reported. The species Brevipalpus phoenicis (Geijskes, Tetranychus urticae (Koch and Polyphagotarsonemus latus (Banks were caught on leaves of I. cairica, around Universidade Federal do Paraná, Curitiba, Paraná, Brazil, in January 20th, 2005.
Ferreira, Rodrigo C F; de Oliveira, José V; Haji, Francisca N P; Gondim, Manoel G C
The mite Polyphagotarsonemus latus (Banks) constitutes one of the main pest of grape crop at the Submédio São Francisco Valley. The objective of this work was to study the biology of the broad mite Polyphagotarsonemus latus (Banks), to determine its thermal requirements and its fertility life table in grape (Vitis vinifera L.) cv. Italy. Acclimatized chambers (BOD) were used, adjusted to the temperatures of 18, 22, 25, 28 and 32 degrees C, relative humidity of 65 +/- 10% and alternated light of 12h. Egg-adult period was 3.4 and 6.8 days for males and 3.5 and 7.4 days for females, respectively at 32 degrees C and 18 degrees C. At the temperatures of 18, 25 and 32 degrees C, each female deposited, respectively, 16.5, 44.3 and 13.3 eggs. The stages of egg, larva and pupa and egg-adult period presented, respectively, thermal thresholds of 11.23, 9.45, 12.19, and 9.71 degrees C and thermal constant of 28.51, 14.59, 8.33, and 62.73 degrees-day. The mean duration of one generation (T) was 25.6, 10.8 and 8.2 days, respectively, at the temperatures of 18, 25 and 32 degrees C. The net reproductive rate (R0) at the temperature of 25 degrees C was the highest, corresponding to an increase of 30.12 times at each generation. The intrinsic rate of population increase (rm) was 0.10 (18 degrees C), 0.31 (25 degrees C) and 0.12 (32 degrees C) and the finite ratio of population increase (lambda) was 1.10 (18 degrees C), 1.36 (25 degrees C) and 1.13 (32 degrees C). According to the mean temperature values, P. latus can have 95 and 99 generations/year, respectively, for the municipal districts of Petrolina, PE and Juazeiro, BA.
Audenaert, Joachim; Vissers, Marc; Haleydt, Bart; Verhoeven, Ruth; Goossens, Frans; Gobin, Bruno
In recent years, the begonia mite (Polyphagotarsonemus lotus) has become an important threat to different ornamental cultures in warm greenhouses. At present there are no professional plant protection products registered in Belgium for the control of mites of the Tarsonemidae family. In a screening trial, we evaluated the efficacy of a range of different acaricides: abamectin, milbemectin, pyridaben, spirodiclofen. Based on the results of the screening trial several products were selected for a full efficacy trial following EPPO guidelines. The best control results were obtained with two products from the avermectine group: abamectin and milbemectin. As growers currently have to rely solely on the use of natural enemies there is a strong need for practical evaluation of efficacies of the various predatory mite species (Amblyseius swirskii, A. cucumeris, A. andersoni) used in biological mite control. In a series of experiments, we screened the use of different species of predatory mites. The first efficacy trials on heavily infested plants at different rates of dosage and under different circumstances (temperature, dose rate, application technique) were started in May 2008. In these experiments Amblyseius swirskii showed good efficacy. But temperature was the limiting factor: the predatory mite needed a minimal temperature of 18 degrees C to obtain good results. Further research is necessary to search for predatory mites that can be used in winter conditions (lower temperatures, less light).
Shirley Toro Sánchez
Full Text Available El ácaro Tarsonemidae Steneotarsonemus spinki Smiley desde su introducción en Colombia ha causado impacto económico y reducción en la productividad del cultivo de arroz, aumento de las aplicaciones de agroquímicos para su control e incrementos en los costos de producción. Con el fin de estudiar su biología, en condiciones de laboratorio (27 ± 3 °C y 85 ± 5% H.R se estableció un ensayo en plantas de la variedad Fedearroz 473 con el objeto de hacer observaciones y registros diarios de todos los cambios durante el desarrollo de huevo a adulto. Se encontró que la duración, en días, de los estados inmaduros fue: para huevo, 1.4; para larva, 0.7 y para ninfa-pupa, 0.6. La duración total de huevo a adulto fue de 3.5 días. La hembra presentó un periodo de oviposición de 8 días y una longevidad 8.9 días. Se registró una fecundidad de 43 huevos por hembra y una tasa de oviposición diaria de 4.43. La relación hembra: macho fue de 11.5:1. Los parámetros de la tabla de vida obtenidos fueron: tasa reproductiva neta (Ro = 52.72, tasa intrínseca de crecimiento natural (r m = 1.36, tasa finita de multiplicación (l = 3.88, tiempo de duplicación (Td = 0.51 días y tiempo generacional (T = 4.59 días. Estos resultados permiten entender el impacto de S. spinki en el cultivo de arroz en Colombia.
Lofego, Antonio C; de Moraes, Gilberto J
The objective of this study was to determine and to analyse the diversity of mites on native Myrtaceae of the "Cerrado" vegetation type of the State of São Paulo, with particular attention to the families Phytoseiidae and Tarsonemidae. In the year 2000, mites were collected from Myrtaceae species in three "Cerrado" areas in the State of São Paulo. Samples of leaves, flowers and fruits were taken from three plant of each species in each site. Mites of 49 genera belonging to 14 families were found. Fourteen phytoseiid species of nine genera and 19 tarsonemid species of six genera were collected. The most abundant phytoseiids were Euseius citrifolius Denmark & Muma, Transeius bellottii (Moraes & Mesa) and Amblyseius acalyphus Denmark & Muma. The most abundant tarsonemids were Daidalotarsonemus tesselatus DeLeon, Daidalotarsonemus folisetae Lofego & Ochoa and Metatarsonemus megasolenidii Lofego & Ochoa. The highest indexes of diversity of phytoseiids and tarsonemids were observed in the fall; the lowest indexes were found in the winter for phytoseiids and in the spring for tarsonemids. Taking into consideration the total number of phytoseiids and tarsonemids collected in this work, the corresponding indexes of diversity (Shannon) were similar and close to 2.0. Different predatory mite species prevailed on distinct plant species, indicating the complementariness of the latter as reservoirs of the former.
Rezende, Daniela Duarte Monteiro
O ácaro predador Phytoseiulus macropilis (Banks) (Acari: Phytoseiidae) possui grande potencial como agente de controle biológico do ácaro-rajado Tetranychus urticae Koch (Acari: Tetranychidae). No entanto, o controle químico pode interferir negativamente na efetividade deste predador. Uma alternativa que permitiria explorar o potencial apresentado por P. macropilis como inimigo natural do ácaro-rajado seria a seleção de indivíduos resistentes aos principais pesticidas a partir de coletas em á...
G. C. Souza-Pimentel
Full Text Available Abstract Predatory mites that belong to the Phytoseiidae family are one of the main natural enemies of phytophagous mites, thus allowing for their use as a biological control. Phytoseiulus macropilis (Banks, 1904 (Acari: Phytoseiidae is among the main species of predatory mites used for this purpose. Tetranychus urticae Koch, 1836 (Acari: Tetranychidae is considered to be one of the most important species of mite pests and has been described as attacking over 1,100 species of plants in 140 families with economic value. The objective of the present study was to investigate, in the laboratory, the reproductive parameters of the predatory mite P. macropilis when fed T. urticae. Experiments were conducted under laboratory conditions at 25 ± 2 °C of temperature, 70 ± 10% RH and 14 hours of photophase. In addition, biological aspects were evaluated and a fertility life table was established. The results of these experiments demonstrated that the longevity of adult female was 27.5 days and adult male was 29.0 days. The population was estimated to increase approximately 27 times (Ro in mean generation time (T, which was 17.7 days. Lastly, the mite population grew 1.2 times/day (λ and doubled every 3.7 days (TD.
Ganjisaffar, Fatemeh; Nachman, Gøsta Støger; Perring, Thomas M.
The Banks grass mite, Oligonychus pratensis (Banks) (Acari: Tetranychidae) causes significant damage to dates in California (USA), if not controlled. Studies are underway to develop biological control strategies against this pest in dates using the predatory mite Galendromus flumenis (Chant) (Acari...... predator density due to mutual interference. Analysis of emigration data considering the arena size and predator numbers showed that the emigration rate of G. flumenis was higher from small arenas, and increased with increasing predator numbers. When emigration data were analyzed using prey and predator...
The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.
Baker, Anne S
Mites and ticks (Acari) have been found in a variety of archaeological situations. Their identification has enabled data on habitat and dietary preferences to be obtained, and these have been used to interpret study sites. Despite this, Acari are not routinely considered in analyses in the way that other environmental components are. Like forensic science, archaeology draws on biological material to rebuild past human activity, and acarology has the potential to provide a much greater amount of evidence to both than is currently the case. As an aid to workers in these fields, an overview is presented of the Acari that have been extracted from archaeological samples, the situations in which they were found and the contribution their presence can make to the interpretation of sites.
Fadini, Marcos A M; Venzon, Madelaine; Oliveira, Hamilton; Pallini, Angelo; Vilela, Evaldo F
The attack of phytophagous mites may induce plants to produce volatiles, which in turn may attract predators. The occurrence of multiple phytophagous infestations on plants may influence predator response. In this paper, we investigated whether the attraction of the predatory mite Phytoseiulus macropilis (Banks) to phytophagous-infested plants would change with the simultaneous presence of two tetranichid mites Oligonychus ilicis (McGregor) and Tetranychus urticae Koch. While the former species is rarely found on strawberry plants and is only occasionally found in association with P. macropilis, the latter is commonly found on strawberry plants and is frequently found in association with P. macropilis. Y-tube olfactometer test assays demonstrated that the predator preferred plants infested with T. urticae, avoided plants infested with O. ilicis, and had no preference for plants infested with both phytophagous mite species. These results indicated that the presence of a non-prey species (O. ilicis) on a given plant can alter the response of the predator to one of its prey (T. urticae). The consequences of the predatory behavior determined in this study on the predator ability to control T. urticae population on strawberry plants are discussed.
Wojciech L. Magowski; Evert E. Lindquist; John C. Moser
A new genus and species of the mite family Tarsonemidae, subfamily Tarsoneminae, is described and illustrated. Its systematic position among genera of Tarsoneminae and its host association with bark beetles of the genus Pseudopityophthorus Swaine, 1918 in North America are briefly discussed.
The oribatid mite superfamily Mesoplophoroidea (Acari, Oribatida) is reviewed. Seven species in four genera of Mesoplophoroidea from China, including a new species, Mesoplophora (Mesoplophora) heterotricha sp. nov. from Hainan Province, are identified. Tritonymph of Apoplophora pantotrema (Berlese, 1913) is described based on material from China. A comprehensive, fully referenced checklist of all known species and keys to all known species worldwide are provided to facilitate the further study on this group.
Wojciech L. Magowski; John C. Moser
The Tarsonemus minimax species-group is established for bark beetle commensals of the genus Tarsonemus Canestrini and Fanzago, 1876. T. minimax Vitzthum 1926 is redescribed, and two new species, T. terebrans and T. typographi n. spp., are described and illustrated. A...
Maeda, Taro; Sakamoto, Yoshiko
The first record of tracheal mites, Acarapis woodi, in Japan was made in 2010. These mites have since caused serious damage to the colonies of Japanese honey bees, Apis cerana japonica. In the present study, to control the mites on Japanese honey bees with l-menthol, an agent used for European honey bees, Apis mellifera, we investigated (1) the seasonality of menthol efficacy, (2) the overwintering mortality of menthol-treated colonies, and (3) the menthol residue in honey under field conditions in cooperation with private beekeepers of Japanese honey bees. Seasonal menthol efficacy was tested by applying 30 g of l-menthol for 1 month in different seasons. Mite prevalence was measured by dissecting the honey bee thorax. Overwintering mortality was monitored during winter after checking the mite prevalence in autumn, and was compared with that of untreated colonies reported in our previous study. The residual level of menthol in honey was measured by GC-MS. The results showed that the menthol-treated colonies had a smaller rate of increase in mite prevalence than the untreated colonies. The effects of menthol were highest in March and April. The winter mortality was depressed by menthol treatment. Honey samples extracted from the menthol-treated colonies included 0.4 ppm of menthol residue on average. Our findings suggest that menthol treatment is effective for controlling the tracheal mites on Japanese honey bees.
Villa, José D; Rinderer, Thomas E
The pattern of inheritance of tracheal mite resistance in selected Russian bees was determined in bioassays and in samples from field colonies. Resistant colonies of Russian origin and colonies selected for high susceptibility in the United States were used to generate divergent parental populations. Seven groups of F1 colonies were produced by crossing queens and drones from these selected resistant Russian and selected susceptible populations. In a series of bioassays with young workers exposed in infested colonies, average mite abundance (female mites per worker) in F1 colonies was intermediate (1.04 +/- 0.13 [mean +/- SE]) and significantly different from that of both resistant Russian (0.74 +/- 0.13) and selected susceptible (1.57 +/- 0.13) colonies. Colonies representing the three populations were established in two apiaries in July 2005. Colonies surviving with original queens after 10 mo had mite prevalences supporting the findings of the bioassay. All three resistant colonies had undetectable mite levels, whereas prevalences in four F1 colonies ranged from 0 to 53%, and in 10 susceptible colonies ranged from 0 to 90%. Tracheal mite resistance in Russian bees is likely polygenic, but there may be a number of genes with major dominance interacting with minor genes. Use of selected Russian queens mated with Russian drones or with drones from unknown sources is beneficial for beekeeping in areas with persistent problems with tracheal mite infestation.
Kontschán, J.; Starý, Josef
Roč. 3683, č. 3 (2013), s. 267-279 ISSN 1175-5326 Institutional support: RVO:60077344 Keywords : Acari * Mesostigmata * Uropodina * new genus * new species * Tanzania Subject RIV: EG - Zoology Impact factor: 1.060, year: 2013
Twelve species of ptyctimous mites (Acari: Oribatida) are recorded from Ghana for the first time. Two new species are described and illustrated: Phthiracarus bicarinatus sp. nov. and Austrophthiracarus lacunosus sp. nov. Three species are recorded fromWest Africa for the first time. Key words: Acari, Oribatida, ...
Smit, H.; Hammen, van der H.
Atlas of the Dutch water mites (Acari: Hydrachnidia) Few biogeographic studies have been published on water mites. Only Lundblad (1962) has published an atlas of the Swedish water mites. So far, there are no complete publications on the distribution of Dutch water mites. Acarologists who worked on
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.
The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.
Phytophagous mites, Tetranychus turkestani (Ugarov and Nikolski) and Tetranychus cinnabarinus Boisduval, were obtained from eggplant, bean, and cucumber. Predatory mites Phytoseius finitimus Ribaga and Amblyseius andersoni (Chant) (Acari: Phytoseiidae) were identified from eggplant and cucumber, respectively.
Kontschán, J.; Starý, Josef
Roč. 3895, č. 4 (2014), s. 547-569 ISSN 1175-5326 Institutional support: RVO:60077344 Keywords : Acari * Mesostigmata * Uropodina * new genus * new species * Madagascar Subject RIV: EG - Zoology Impact factor: 0.906, year: 2014
Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...
Full Text Available Within the framework of the continuous survey of the Madagascan Oribatida Fauna some newly surveyed Oppioidea (Acari: Oribatida species are discussed. Altogether 15 species are listed of the recently studied, identified and described taxa originating from several sites of the island (Malagasy Republic. Seven species of them are new to science and some other known only from few localities. One species represents also a new genus, Interbelba gen. nov. Three species, Berniniella bicarinata (Paoli, 1908, Quadroppia circumita (Hammer, 1961 and Discosuctobelba variosetosa (Hammer, 1961are recorded from Madagascar for the first time. With 22 figures.
Williamson, Stephen D
A multiperiod model with risk-neutral agents is constructed in which a liquidity problem arises in an equilibrium with decentralized tradin g in capital, which banking institutions are able to alleviate. Depos it contracts provide for early withdrawal, banks hold debt, and agent s who borrow from banks hold compensating balances. Institutional col lapse, or a state of the world when bank failures are experienced, is associated with a high demand for liquidity, low output, and a lower than ave...
Boot, A.; Thakor, A.V.
This note discusses some issues in bank closure policy from a financial stability standpoint and how these issues have evolved since we first raised the question of how a reputation-driven divergence of interests between bank regulators and taxpayers may distort bank closure policy in our 1993 paper
Bryan J. Noeth; Rajdeep Sengupta
To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.
Smit, H.; Hoek, van den T.-H.; Wiggers, R.
New records of water mites in the Netherlands (Acari: Hydrachnidia) Three species of water mite new to the fauna of the Netherlands are reported, i.e. Hydryphantes flexuosus, Panisus michaeli and Nilotonia borneri. Moreover, a number of new records of rare species is given. Re-identification of
Kontschán, J.; Starý, Josef
Roč. 58, č. 2 (2012), s. 177-192 ISSN 1217-8837 Institutional research plan: CEZ:AV0Z60660521 Keywords : Acari * new records * new species * Malaysia Subject RIV: EH - Ecology, Behaviour Impact factor: 0.472, year: 2012
Ermilov, Sergey G
A species list of identified oribatid mite taxa (Acari, Oribatida) in the fauna of Vietnam is provided. During 1967-2015, a total of 535 species/subspecies from 222 genera and 81 families was registered. Of these, 194 species/subspecies were described as new for science from Vietnam.
Kontschán, J.; Starý, Josef
Roč. 54, č. 1 (2013), s. 49-56 ISSN 1681-5556 Institutional research plan: CEZ:AV0Z60660521 Institutional support: RVO:60077344 Keywords : Acari * Uropodina * Afrotropical * Ethiopia * new species * new synonymy Subject RIV: EG - Zoology Impact factor: 0.500, year: 2013
In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...
Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.
The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...
Laurin, Marie-Claude; Bostanian, Noubar J
Anystis baccarum (L.) [=Anystis agilis (Banks)] (Acari: Anystidae) is a common predatory mite recently identified in apple (Malus spp.) orchards and in vineyards (Vitus spp.) in Québec, Canada. Studies of its susceptibility to pesticides used in these crops need to be carried out to encourage integrated pest management programs. A laboratory evaluation of methoxyfenozide, acetamiprid, thiamethoxam, imidacloprid, spinosad, phosmet, carbaryl, and lambda-cyhalothrin showed that residues of lambda-cyhalothrin, phosmet, and carbaryl were highly toxic in 48-h petri dish bioassays. The field rate of lambda-cyhalothrin is 0.0184 g (AI) /liter, which is 26-fold the estimated LC50 of 0.0007 g (AI) /liter) for this predator. The field rate for phosmet is 0.6000 g (AI) /liter, which is 118-fold the LC50 for phosmet, which is 0.0051 g (AI) /liter), and the field rate for carbaryl is 1.960 g (AI) /liter, which is 784-fold the estimated LC50 of 0.0025 g (AI) /liter). Five other insecticides, methoxyfenozide, acetamiprid, thiamethoxam, imidacloprid, and spinosad, were evaluated and found to be nontoxic.
Mar 1, 2013 ... The findings of this study have motivated new recommendations for bank customers, bank management and shareholders with regard to electronic banking adoption for banking operations. Keywords: Electronic banking, returns on assets (ROA), returns on Equity (ROE), difference between means and ...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...
Самородов, Б. В.
In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.
Pešić, V.; Smit, H.; Datry, T.
New records of water mite species (Acari: Hydrachnidia, Halacaroidea) from Patagonia (Southern Chile) are reported. Four species, Anisitsiellides australis Smit, 2002, Peregrinacarus falklandensis Bartsch, 2001, Lobohalacarus weberi (Romijn & Viets, 1924) and Soldanellonyx monardi Walter, 1919 are
Kontschán, J.; Starý, Josef
Roč. 37, č. 1 (2013), s. 7-14 ISSN 1300-0179 Institutional support: RVO:60077344 Keywords : Acari * Uropodina * Trachyuropoda * Galápagos Islands Subject RIV: EG - Zoology Impact factor: 0.585, year: 2013
Full Text Available Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstances banking secrecy has become disruptive to the further development of both Swiss banking and banking in Switzerland and whether Swiss banking will come to an end in the future.
Supramaniam, Mahadevan; Shanmugam, Bala
The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…
Milenković Ivan; Milenković Dragana
Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstanc...
van Esterik-Plasmeijer, P.; van Raaij, W.F.
Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights
Ernieenor Faraliana Che Lah
Full Text Available Blood meal analysis (BMA from ticks allows for the identification of natural hosts of ticks (Acari: Ixodidae. The aim of this study is to identify the blood meal sources of field collected on-host ticks using PCR analysis. DNA of four genera of ticks was isolated and their cytochrome b (Cyt b gene was amplified to identify host blood meals. A phylogenetic tree was constructed based on data of Cyt b sequences using Neighbor Joining (NJ and Maximum Parsimony (MP analysis using MEGA 5.05 for the clustering of hosts of tick species. Twenty out of 27 samples showed maximum similarity (99% with GenBank sequences through a Basic Local Alignment Search Tool (BLAST while 7 samples only showed a similarity range of between 91–98%. The phylogenetic trees showed that the blood meal samples were derived from small rodents (Leopoldamys sabanus, Rattus tiomanicus and Sundamys muelleri, shrews (Tupaia glis and mammals (Tapirus indicus and Prionailurus bengalensis, supported by 82–88% bootstrap values. In this study, Cyt b gene as a molecular target produced reliable results and was very significant for the effective identification of ticks’ blood meal. The assay can be used as a tool for identifying unknown blood meals of field collected on-host ticks.
Che Lah, Ernieenor Faraliana; Yaakop, Salmah; Ahamad, Mariana; Md Nor, Shukor
Blood meal analysis (BMA) from ticks allows for the identification of natural hosts of ticks (Acari: Ixodidae). The aim of this study is to identify the blood meal sources of field collected on-host ticks using PCR analysis. DNA of four genera of ticks was isolated and their cytochrome b (Cyt b) gene was amplified to identify host blood meals. A phylogenetic tree was constructed based on data of Cyt b sequences using Neighbor Joining (NJ) and Maximum Parsimony (MP) analysis using MEGA 5.05 for the clustering of hosts of tick species. Twenty out of 27 samples showed maximum similarity (99%) with GenBank sequences through a Basic Local Alignment Search Tool (BLAST) while 7 samples only showed a similarity range of between 91-98%. The phylogenetic trees showed that the blood meal samples were derived from small rodents (Leopoldamyssabanus, Rattustiomanicus and Sundamysmuelleri), shrews (Tupaiaglis) and mammals (Tapirusindicus and Prionailurusbengalensis), supported by 82-88% bootstrap values. In this study, Cyt b gene as a molecular target produced reliable results and was very significant for the effective identification of ticks' blood meal. The assay can be used as a tool for identifying unknown blood meals of field collected on-host ticks.
Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.
Victor Mihăiţă Duţă
Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.
Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.
Constantin Marian MATEI
Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.
MIRANDA PETRONELLA VLAD
Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have
Mar 1, 2013 ... powerful vehicle for research. Banks can provide information and services online which customers can pay for and receive. Banking processes are made more efficient and cost effective by integrating other aspects of banking operations such as management and financial control. Ovia.  posits that on-line ...
Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The
Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.
Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.
The GenBank sequence database incorporates publicly available DNA sequences of more than 105 000 different organisms, primarily through direct submission of sequence data from individual laboratories and large-scale sequencing projects. Most submissions are made using the BankIt (web) or Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Data exchange with the EMBL Data Library and the DNA Data Bank of Japan helps ensure comprehensive worldwide coverage. GenBank...
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...
Wellington, Kevin W
Full Text Available -1 Veterinary Parasitology, vol. 234: 10-12 Further studies on South African plants: Acaricidal activity of organic plant extracts against Rhipicephalus (Boophilus) microplus (Acari: Ixodidae) Wellington, KW Leboho, T Sakong, BM Adenubi, OT Eloff, JN...
Costello, Michael J
Sulfur is the oldest and most widely used fungicide in the vineyards of California, where it is used for control of powdery mildew (Uncinula necator [Schw.] Burr). For decades, sulfur use has been associated with outbreaks of Tetranychus pacificus McGregor (Acari: Tetranychidae) on cultivated grapes in the San Joaquin Valley. I undertook large-scale field studies to test this association, to evaluate the impact of sulfur on Galendromus occidentalis (Nesbit) (Acari: Phytoseiidae), a major predator of T. pacificus, and to determine if timing of sulfur applications with respect to grape bloom has an impact on T. pacificus density. The studies took place in a 32 ha vineyard in Fresno County, and all fungicide applications were made with commercial-scale equipment. In 1998 a 'high sulfur' treatment, a combination of wettable sulfur and sulfur dust, was compared to 'low sulfur,' in which demethylation inhibitor (DMI) fungicides partially substituted for sulfur. In 1999 treatments were 'sulfur,' 'DMI,' 'sulfur pre-bloom' (here sulfur was applied prior to grape bloom, in late May, and then DMIs were applied until mid-season) and 'sulfur post-bloom' (the reverse of 'sulfur pre-bloom'). In each year, the T. pacificus population increase came after the end of fungicide applications, and results clearly show a relationship between sulfur use and T. pacificus density. In 1998, mean T. pacificus density was 2.7 times higher and mean G. occidentalis density 2.5 times higher in 'high sulfur' compared to 'low sulfur.' In 1999, the highest T. pacificus counts were in the 'sulfur' and 'sulfur pre-bloom' treatments, 4.8 times higher than 'sulfur post-bloom' and 2 times higher than 'DMIs.' Density of G. occidentalis was 2.3 times as high in 'sulfur' or 'sulfur pre-bloom' than 'DMIs.' The predator/prey ratio was not significantly different among treatments in 1998, but in 1999 it was highest in the 'sulfur pre-bloom' treatment. In 1999, density of Homeopronematus anconai (Baker) (Acari
el Kady, G A; Shoukry, A; Ragheb, D A; el Said, A M; Habib, K S; Morsy, T A
Mites are arthropods distinguished from ticks by usually being microscopical in size and have a hypostome unarmed with tooth-like anchoring processes. They are group in a number of suborders, each with super-families and families including many genera of medical and economic importance. In this paper, commensal rodents (Rattus norvegicus, R. r. alexandrinus and R. r. frugivorous) were surveyed in the Suez Canal Zone for their acari ectoparasites. Four species of mites were recovered. In a descending order of mite indices, they were Eulaelaps stabularis (4.83 on 6 rats), Laelaps nuttalli (3.11 on 27 rats), Ornithonyssus bacoti (1.66 on 9 rats) and Dermanyssus gallinae (0.66 on 24 rats). The overall mite indices in the three governorates were 3.66 in Suez, 2.82 in Ismailia and zero in Port Said. The medical and economic importance of the mites were discussed.
Akrami, Mohammad Ali
Oribatid mites (Acari: Oribatida) are one of the largest and dominating groups of soil inhabitants that play an important role in the formation and fertilization processes of the soils. In the present paper, a list of oribatid mites of Iran (excluding Astigmata) is present based mainly on the collected and identified species and on literature records since 1961. In total, 380 species belonging to 191 genera and 86 families have been recorded and these are listed along with their known geographical distributions and localities in Iran. The following seven species Sellnickochthonius cricoides (Weis-Fogh, 1948), Hypochthoniella minutissima (Berlese, 1904), Nothrus silvestris Nicolet, 1855, Hemileius (Hemileius) initialis (Berlese, 1908), Punctoribates (Punctoribates) punctum (C. L. Koch, 1839), Ceratozetes conjunctus Mihelčič, 1956, Eupelops tardus (C. L. Koch, 1835) and Pelopsis Hall, 1911 are recorded for the first time from Iran. The closing date for publications included in this list was 15 January 2015.
Marquardt, Tomasz; Faleńczyk-Koziróg, Katarzyna; Kaczmarek, Sławomir
We observed the oviposition behaviour of the soil mite Veigaia cerva (Kramer) (Acari: Veigaiidae) using continuous video-monitoring. Five phases could be recognized. Phase I involved inspection of the substrate. In phase II the female rhythmically moved her gnathosoma and first pair of legs. After an inactive phase III, the soma was raised (IV), and the egg was laid (V). In the actual egg laying three sub-phases could be distinguished: internal egg movement, placing the egg in front of the gnathosoma, and depositing the egg using the chelicerae. The palps and first pair of legs were used to position the egg between the chelicerae. The whole process took on average 333 ± 22 s.
Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid
Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking. The practice of “mark-up” in project funded by syariah bank seems to be very difficult.
Mikhail Vitalyevich Leonov
Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank
Marshall, D.J.; Gremmen, N.J.M.; Coetzee, L.; Oconnor, B.M.; Pugh, P.J.A.; Theron, P.D.; Ueckermann, E.A.
Sixty species of Acari are recorded from the sub-Antarctic Marion and Prince Edward Islands (the Prince Edward archipelago). Twenty of the 45 species collected on recent expeditions are new and currently undescribed. Other new taxa include a family of Mesostigmata, four new genera, and the first
Investigations of Gamasina mites in natural and man-affected soils in Latvia (Acari: Mesostigmata) A short overview is presented on Gamasina material collected in 22 natural and man-disturbed habitats in Latvia. Species diversity, average density and species dominance were investigated. Altogether
Xu, Yun; Fan, Qing-Hai; Huang, Jian
A new species Terminalichus sanya Xu & Fan sp. nov. (Acari: Tenuipalpidae) on Terminalia catappa L. (Combretaceae) from China is described and illustrated. The ontogenetic changes in ventral and leg chaetotaxy on the female, deutonymph, protonymph and larva are presented. The generic definition of Terminalichus is updated and a key to the world species is provided.
Hubert, J.; Šustr, Vladimír
Roč. 98, - (2001), s. 265-275 ISSN 1210-5759 R&D Projects: GA ČR GA206/97/0629 Institutional research plan: CEZ:AV0Z6066911 Keywords : Acari * starvation * mortality Subject RIV: EH - Ecology, Behaviour Impact factor: 0.802, year: 2001
Zaitsev, A.; Berg, M.P.
Mosmijten in verschillende bostypen in Nederland (Acari: Oribatida) In 2000 werd de bodemfauna van 47 bossen bemonsterd (tabel 1), verdeeld over 23 bostypen (tabel 2). In totaal werden 144 soorten mosmijten gevonden, waarvan er 16 nieuw zijn voor de Nederlandse fauna. Van elke soort wordt een
Roč. 60, č. 2 (2005), s. 113-119 ISSN 0006-3088 Institutional research plan: CEZ:AV0Z60660521 Keywords : Acari * Oribatida e * taxonomy Subject RIV: EH - Ecology, Behaviour Impact factor: 0.240, year: 2005
Hubert, Jan; Kolmanová, Andrea; Münzbergová, Zuzana
Roč. 23, č. 4 (2004), s. 328-341 ISSN 1335-342X R&D Projects: GA AV ČR KSK6005114 Institutional research plan: CEZ:AV0Z6005908 Keywords : Acari * grassland * community Subject RIV: EH - Ecology, Behaviour Impact factor: 0.078, year: 2004
Niedbala, W.; Starý, Josef
Roč. 49, 15/16 (2015), s. 905-914 ISSN 0022-2933 Institutional research plan: CEZ:AV0Z60660521 Institutional support: RVO:60077344 Keywords : Acari * ptyctimous mites * taxonomy * new species * Tanzania Subject RIV: EG - Zoology Impact factor: 1.010, year: 2015
Tbrahim Cakmak; Tulin Aksit; Sultan Cobanoglu
Pyemotes johnmoseri (Khaustov) (Acari: Pyemotidae) was collected from Hypoborus ficus (Erichson) and Hesperophanes griseus Fab. (Col.: Cerambycidae) in fig (Ficus carica cv Calymirna) orchards in Aydin, Turkey during 2003-2004. We describe and illustrate the male and female of P. ...
Alexandre dos Santos
Full Text Available O ácaro fitófago Tetranychus urticae (Kock, 1836 (Acari: Tetranychidae foi relatado e suas injúrias caracterizadas pela primeira vez em viveiro de produção mudas de teca (Tectona grandis no Brasil.
Schütte, C.; Kleijn, P.W.; Dicke, M.
Adult female Phytoseiulus persimilis Athias-Henriot (Acari, Phytoseiidae) of one of our laboratory populations showed a lower degree of attraction to herbivore-induced plant volatiles than other laboratory populations. We hypothesized earlier that this consistent change in foraging behavior is a
Alberto B. Broce; Ludek Zurek; James A. Kalisch; Robert Brown; David L. Keith; David Gordon; Janis Geodeke; Cal Welbourn; John Moser; Ronald Ochoa; Eduardo Azziz-Baumgartner; Fuyuen Yip; Jacob Weber
High incidences of red, itching, and painful welts on people in the midwestern United States led to the discovery of a European species of mite, Pyemotes herfsi (Oudemans) (Acari: Pyemotidae), preying on gall-making midge larvae on oak leaves. The mites' great reproductive potential, small size, and high capacity for dispersal by wind make them...
U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...
Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...
Khoury, Sarkis Joseph; Wihlborg, Clas
The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....
The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...
Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Wheeler, David L.
GenBank (R) is a comprehensive database that contains publicly available nucleotide sequences for more than 240 000 named organisms, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Daily data exchange with the EMBL Data Library in Europe and the DNA Data Bank of Japan...
The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...
Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...
Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.
This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.
Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.
This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are
Bolt, Wilko; de Haan, Leo; Hoeberichts, Marco; van Oordt, Maarten R C; Swank, Job
This paper contributes to the literature on the relation between bank profitability and economic activity. When allowing for stronger co-movement of bank profit with economic activity during deep recessions, we find a much larger impact of output growth on bank profitability than commonly found in
Boot, A.W.A.; Ratnovski, L.
We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability
Doðan Salih; Sevsay Sevgi; Mąkol Joanna; Zeytun Erhan; Buğa Evren
Pięć nowych gatunków roztoczy (Acari: Raphignathoidea) zostało odnoto- wanych jako nowe dla fauny Polski: trzy z rodziny Stigmaeidae, Eustigmaeus rhodomela (Koch), Mediolata obtecta Dónel et Doóan, Stigmaeus glabrisetus Summers, jeden z rodziny Cryptognathidae, Favognathus cucurbita (Berlese), i jeden z rodziny Barbutiidae, Barbuda anguineus (Berlese). Ostatni z wymienio- nych jest jednocześnie pierwszym stwierdzeniem przedstawiciela rodziny Barbutiidae w Polsce.
Full Text Available Pięć nowych gatunków roztoczy (Acari: Raphignathoidea zostało odnoto- wanych jako nowe dla fauny Polski: trzy z rodziny Stigmaeidae, Eustigmaeus rhodomela (Koch, Mediolata obtecta Dónel et Doóan, Stigmaeus glabrisetus Summers, jeden z rodziny Cryptognathidae, Favognathus cucurbita (Berlese, i jeden z rodziny Barbutiidae, Barbuda anguineus (Berlese. Ostatni z wymienio- nych jest jednocześnie pierwszym stwierdzeniem przedstawiciela rodziny Barbutiidae w Polsce.
Wantuch, Holly A; Tarpy, David R
The parasitic mite Varroa destructor Anderson & Trueman (Acari: Varroidae) has plagued European honey bees, Apis mellifera L. (Hymenoptera: Apidae), in the Americas since its introduction in the 1980s. For many years, these mites were sufficiently controlled using synthetic acaricides. Recently, however, beekeepers have experienced increased resistance by mites to chemical pesticides, which are also known to leave residues in hive products such as wax and honey. Thus there has been increased emphasis on nonchemical integrated pest management control tactics for Varroa. Because mites preferentially reproduce in drone brood (pupal males), we developed a treatment strategy focusing on salvaging parasitized drones while removing mites from them. We removed drone brood from colonies in which there was no acaricidal application and banked them in separate "drone-brood receiving" colonies treated with pesticides to kill mites emerging with drones. We tested 20 colonies divided into three groups: 1) negative control (no mite treatment), 2) positive control (treatment with acaricides), and 3) drone-brood removal and placement into drone-brood receiving colonies. We found that drone-brood trapping significantly lowered mite numbers during the early months of the season, eliminating the need for additional control measures in the spring. However, mite levels in the drone-brood removal group increased later in the summer, suggesting that this benefit does not persist throughout the entire season. Our results suggest that this method of drone-brood trapping can be used as an element of an integrated control strategy to control varroa mites, eliminating a large portion of the Varroa population with limited chemical treatments while retaining the benefits of maintaining adult drones in the population.
Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break
Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.
Coroiu Sorina Ioana
Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.
G.O. Ofori-Dwumfuo; Betty A. Dankwah
This study looks at the benefits, challenges and barriers in adopting Internet banking at a major bank in Ghana. The development of the Internet is changing the way financial services are provided in Ghana. The Internet banking facility has resulted in new ways of delivering banking services. The research is a case study based on the staffs that has worked with the bank for more than three years. In evaluating benefits, challenges and barriers to the bank in adopting Internet banking, intervi...
In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)
Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.
Agerlin, Anne; Holmqvist, Maja
This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...
Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.
GenBank? is a comprehensive database that contains publicly available nucleotide sequences for more than 300 000 organisms named at the genus level or lower, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and accession numbers are assigned by GenBank? staff upon receipt. Daily data exchange with the European Molecular Biology Labo...
Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.
GenBank? (http://www.ncbi.nlm.nih.gov) is a comprehensive database that contains publicly available nucleotide sequences for almost 260 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole-genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and GenBank staff assig...
O'Brien, Jennifer A; DeJarnette, Sherry
There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.
This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...
Younis, T A; Fayad, M E; el Hariry, M A; Morsy, T A
From the medical point of view, the relation between man and rodents comes in the priority. Some rodent populations are wild but others are commensal and live in close association with man. They steal his food and conveying many zoonotic diseases. Their arthropod ectoparasites play an important role in conveying or transmitting these zoonotic diseases. Several disorders and diseases of man are tick borne relapsing fever, Rocky mountain spotted fever, Lyme disease, and many others. Besides numerous species of mites occasionally infest man. They transmit several diseases as Rickettsia tsutsugamushi fever, epidemic haemorrhagic fever, and they cause severe allergic reaction. The results obtained are summarized in the following (1) Six species and subspecies of rodents were detected. In a descending order of abundance, they were (a) Rattus norvegicus, (b) Rattus rattus alexandrinus (c) Rattus rattus frugivorous (d) Acomys cahirinus (e) Gerbillus gerbillus asyutensis (f) Mus m. praetextus. (2) The most common rodent was R. norvegicus and the least common was M. musculus. (3) The collected ticks and mites were 2 genera of tick larvae; Rhipicephalus species and Hyalomma species. The collected mites were Ornithonyssus bacoti and Laelaps nuttali. (4) Most of the tick larvae were collected from wild rodents; Gerbillus g. asyutensis. (5) Most of the mites were collected from commensal rodents particularly R. norvegicus. Descriptive morphology and illustrations were given to the collected rodents and their acari ectoparasites.
This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana). The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk,...
Miranda Petronella VLAD
Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.
This dissertation studies the British banking sector from the end of the 19th century until the beginning of the 20th century. The British banking sector at that time was one of the most developed ones and was characterized by the fact that very little regulation existed concerning, amongst others,
institution in the financial market. This is due to the very nature of banks whose failure is viewed to have greater effect on the economy than the failure of other types of businesses (Ogunleye (2005: 3). Along with the traditional banks, Non-. Financial Institutions (NBFIs) also play intermediation role in the financial system by ...
van der Kwaak, C.G.F.
This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly
Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.
iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…
De Jonghe, Olivier; Diepstraten, Maaike; Schepens, Glenn; Beck, Thorsten; Casu, Barbara
This chapter discusses recent EU-wide movements in bank competition and concentration. We start with a concise overview of the most frequently used competition and concentration measures. Given that different measures may capture different aspects of bank competition, we focus on the differences and
The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy
G.J. Van der Star; dr. A. Maas
DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the
This dissertation consists of three essays on banking and concentrates on two topics. The first two essays deal with strategic behavior of borrowers. The third essay explores the relation between bank capital and risk-taking. The first essay, Collective Strategic Defaults: Bailouts and Repayment
Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation
Boot, A.W.A.; Ratnovski, L.
We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital
Fang, Yiwei; van Lelyveld, Iman
In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to
Full Text Available The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return on assets, leverage effect, profit rate and the rate of assets utilization, in order to identify the methods of quantifying the performance of the Romanian banking system, by reference to two commercial banks, namely Transilvania Bank and Intesa Sanpaolo Bank. After the analysis and calculation of these indicators, we can notice a good situation of the banks concerned. In order to improve Romanian banking system are under consideration: reducing the costs of banking intermediation, raising the coverage levels at European level and reducing the compulsory reserves. After the analysis of organization the banking system in Romania and comparing banking systems at the level of some countries of the European Union we can conclude that national banking system has its own particularities, in terms of banks name, types of activities covered under this name as well as those at European Union level.
Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.
Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage
Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.
Investigations of Gamasina mites in natural and man-affected soils in Latvia (Acari: Mesostigmata) A short overview is presented on Gamasina material collected in 22 natural and man-disturbed habitats in Latvia. Species diversity, average density and species dominance were investigated. Altogether 167 Gamasina species from 14 families were found. The highest number of species was found for field margins and the lowest for pine forests and arable lands affected by calciferous dust. The highest...
J. A. Dunlop
Full Text Available A new large, fossil mite (Arachnida: Acari, Pararainbowia martilli n. gen. n. sp., is described from the Early Cretaceous (Aptian Crato Formation from Ceará State, Brazil. It is assigned to the Cohort Parasitengona and the superfamily Erythraeoidea, some extant members of which can reach up to seven millimetres in body length. Given that doubts have been raised about the identity of putative Crato feather mite eggs, this new fossil represents the first unequivocal record of Acari from the Crato Formation, the first non-amber record of an erythraeoid mite and the oldest named example of this superfamily. Fossil erythraeoids from Mesozoic and Tertiary ambers are briefly reviewed – including a widely overlooked Late Cretaceous species – with comments on Mesozoic mites in general. Thirteen Baltic amber erythraeoids have been formally described, but much unstudied material from various amber sources remains. Ein neues großes Milbenfossil (Arachnida: Acari, Pararainbowia martilli n. gen. n. sp., wird aus der Crato Formation (Unterkreide, Aptium des Ceará Gebietes in Brasilien beschrieben. Es wird der Kohorte Parasitengona und der Überfamilie Erythraeoidea zugeordnet; die modernen Vertreter erreichen eine Körperlänge bis zu sieben mm. Weil die Identität von Federmilbeneiern aus der Crato Formation in Frage gestellt wurde, ist dieser Neufund der erste klare Hinweis von Acari aus der Crato Formation. Es ist die erste erythraeoide Milbe, die nicht aus dem Bernstein stammt sowie das älteste genannte Beispiel dieser Überfamilie. Fossile erythraeoide Milben aus dem Bernstein des Mesozoikum und des Tertiärs werden kurz zusammengefasst – u. a. eine weitgehend übersehene Art aus der Oberkreide – mit allgemeinen Anmerkungen zu den mesozoischen Milben. Dreizehn erythraeoide Milbenarten sind aus dem baltischen Bernstein genannt und beschrieben worden, aber weiteres unbearbeitetes Material von verschiedenen Bernstein-Fundpunkten liegt noch vor
Alberti, Gerd; Heethoff, Michael; Norton, Roy A; Schmelzle, Sebastian; Seniczak, Anna; Seniczak, Stanisław
Oribatida are one of the main groups of Acari comprising mostly important decomposers in soils. Most species are particle feeders, an exceptional mode of nutrition in Arachnida. Hence, their feeding organs, the gnathosoma, are of special functional interest. We studied nearly all components using scanning and transmission electron microscopies as well as reconstructions based on synchrotron X-ray microtomography from the model oribatid Archegozetes longisetosus. Besides cuticular structures, we describe the full set of muscles and confirm the presence of a trochanter remnant at the base of the chelicera. Setae on the prodorsum and the anterior and posterior infracapitular setae are mechanoreceptors innervated by two dendrites ending with tubular bodies. Dendrites of adoral setae, anterior setae of the chelicerae, and the supracoxal setae show neither obvious tubular bodies nor wall or terminal pores. Thus their function remains obscure. For the first time, a muscular proprioreceptor has been found in Arachnida. It likely monitors the actions of muscles moving the movable digit of the chelicera. Glandular structures within and associated with the gnathosoma are described. Dermal glands represented by secretory porose areas are found within the infracapitulum. More complex associated glands comprise the podocephalic glands and the infracapitular glands, the ducts of which were traced completely for the first time. The components described are mostly fundamental for the gnathosoma of Actinotrichida (Acariformes), one of the two lineages of Acari, to which Oribatida belong. The gnathosoma is generally considered the most relevant putative synapomorphy of Acari. Since the monophyly of Acari has become more and more questionable during the last decades, a thorough reinvestigation of this body part is necessary for a comprehensive understanding of acarine and even arachnid phylogeny and evolution. This article provides a starting point of such a re-evaluation of the
Liu, Dong; Zhang, Zhi-Qiang
The genus Austrophthiracarus (Acari: Oribatida: Phthiracaridae) was represented in New Zealand by four species prior to this work. In this paper, two new species of Austrophthiracarus are described from the South Island, New Zealand: Austrophthiracarus cronadun sp. nov. collected near Cronadun, Buller and Austrophthiracarus tawhai sp. nov. from (Catlins State Forest, Otago. A key to all known species of Austrophthiracarus in New Zealand is provided.
Dehghani-Samani Amir; Madreseh-Ghahfarokhi Samin; Dehghani-Samani Azam; Pirali-Kheirabadi Khodadad
Introduction: By considering an increase in drug resistance against red mites, finding the nonchemical herbal acaricide against Dermanyssus gallinae (De Geer) (Acari: Mesostigmata) is necessary to kill them and to reduce the chemical resistance against chemical acaricides in this specie. Dermanyssus gallinae is a potential vector of the causal agent of several viral diseases such as Equine encephalitis and St. Louis encephalitis. It can be a vector of bacteria such as Salmonella spp., Mycobac...
Daniele Cristine Hoffmann Schlesener
Full Text Available O objetivo deste trabalho foi avaliar a eficiência de controle e os efeitos adversos de dois produtos à base de nim Azamax® (Azadiractina A/B 12g/L e Neemseto® (Azadiractina A/B, Nimbina e Salanina 2,389 g/L sobre o ácaro-rajado Tetranychus urticae e os predadores Phytoseiulus macropilis e Neoseiulus californicus em laboratório. Para o ácaro-rajado, foram consideradas as variáveis mortalidade, fecundidade, efeito ovicida e persistência biológica, enquanto para os fitoseídeos consideraram-se mortalidade e fecundidade. A mortalidade máxima observada para o ácaro-rajado foi de 89,7% e 91,5% para Azamax® e Neemseto®, respectivamente, na concentração de 0,5% após a reaplicação do produto no sétimo dia. Também foram observados efeitos adversos sobre a fecundidade e a viabilidade dos ovos quando tratados com os produtos comerciais (p.c.. A persistência biológica dos produtos foi de aproximadamente três dias após a pulverização. As formulações apresentaram seletividade em relação aos fitoseídeos, porém causaram redução da fecundidade dos mesmos.
Lavinia Mihaela GUȚU; Vasile ILIE
The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...
Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego
Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...
Badaeva V.; Makukhina Y.
The article examines about the essence of competitiveness of banks, the ways of improving it, competitive advantages and factors which influence the effectiveness and competitiveness of banking institutions.
Full Text Available The article discusses the main transformation processes in banking sector: globalization, concentration of capital, formation of a new model of banking and new banking culture. It is shown that the driving forces of these processes are competition and innovation. The interpretation of the bank of the future as a sum of four concepts is offered: “Bank = technology”, “Bank = client”, “Bank = product”, “Bank = life”. It is hypothesized that a person in the digital economy can be described as Homo financial (a person with financial literacy and financial thinking.
This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...
Pesic, V.; Chatterjee, T.; Chan, B.K.K.; Ingole, B.S.
, D.R. (1996) A freshwater species of Pontarachna (Acari, Pontarachnidae) from South Africa, with a discussion of genital acetabula in the family. Anales Instituto de Biologa, Universidad Nacionale Aut- noma de Mxico, Seria Zoologa, 67, 259...
Full Text Available A new species of Atractides Koch, 1837 (Acari, Hydrachnidia is described from Ethiopia. The world number of Atractides now tallies 297 species. The diversity of the genus Atractides in the Afrotropical region is briefly discussed.
Ernst Ebermann; John C. Moser
Four species of Scutacarus and one of Imparipes (Acari: Scutacaridae) are documented as phoretic from alates and workers of the red imported fire ant (Solenopsis invicta Buren) in Louisiana and Tennessee, U.S.A. One, Imparipes (Imparipes) louisianae)
Pesic, V.; Chatterjee, T.; Ingole, B.S.; Velip, D.; Pavicevic, A.
Litarachna indica, a new species of the marine water mite family Pontarachnidae (Acari: Hydrachnidia) is described from the tropical West Indian coast. The total number of Pontarachnidae species worldwide tallies exactly 43 species...
Ermilov, Sergey G; Klimov, Pavel B
Genus-level taxa in the oribatid mite superfamily Galumnoidea (Acari, Oribatida) are revised based on morphology of adults and a previously published phylogenetic analysis. We give a concise overview of the general morphology of Galumnoidea, diagnoses and a key for families, genera, and subgenera, and a taxonomic list with two families, 39 genera, 9 non-nominal subgenera, and 590 species. The following nomenclatorial changes to genus-group taxa resulted from our revision: Allogalumna (Allogalumna) Grandjean, 1936 (=Xenogalumna Balogh, 1960(b) syn. nov.), Flagellozetes (Cosmogalumna) Aoki, 1988 comb. nov. (from Galumna (Cosmogalumna)), Flagellozetes (Variogalumna) Mahunka, 1995 stat. nov., Galumna (Galumna) Heyden, 1826 (=Rostrogalumna Engelbrecht, 1973 syn. nov.), Pilogalumna Grandjean, 1956(a) (=Disparagalumna Hammer, 1973 syn. nov.), Trichogalumna (Tanzanycha) Koçak & Kemal, 2008 stat. nov., Galumnella Berlese, 1916(a) (=Monogalumnella Mahunka, 1986 syn. nov. =Trichogalumnella Mahunka, 1992 syn. nov., =Bigalumnella Mahunka, 1994 syn. nov.). The following changes are made to species-group nomenclature: Angulogalumna areolata (Starý, 2005) comb. nov. (from Cuspidogalumna) et stat. ressur. (=Galumna (Angulogalumna) staryi Subías, 2010 syn. nov. replacement name for secondary homonym Galumna (Angulogalumna) areolata (Starý, 2005)), Allogalumna (Allogalumna) longula (Balogh, 1960(b)) comb. nov. (from Xenogalumna), Flagellozetes (Cosmogalumna) areticulata (Ermilov, Sandmann, Klarner, Widyastuti & Scheu, 2015(d)) comb. nov. (from Galumna (Cosmogalumna)), F. (C.) dongnaiensis (Ermilov & Anichkin, 2013) comb. nov. (from Galumna (Cosmogalumna)), F. (C.) ekaterinae (Ermilov & Friedrich, 2016(b)) comb. nov. (from Galumna (Cosmogalumna)), F. (C.) hiroyoshii (Nakamura & Fujikawa, 2004) comb. nov. (from Galumna (Cosmogalumna)), F. (C.) ornata (Aoki, 1988) comb. nov. (from Galumna (Cosmogalumna)), F. (C.) imperfectus (Aoki & Hu, 1993) comb. nov. (from Galumna (Cosmogalumna
U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...
In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.
Cannon, A.G.; Bendell, A.
Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)
Bolster, Carole J
New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service.
A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404
Ravn Sørensen, Anders
In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....
The nations discussed here (Italy, Spain, Portugal and Greece) have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begi...
Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.
Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1003 Money lent at banking offices or at other than...
Efficacy of indigenous predatory mites (Acari: Phytoseiidae) against the citrus rust mite Phyllocoptruta oleivora (Acari: Eriophyidae): augmentation and conservation biological control in Israeli citrus orchards.
Maoz, Yonatan; Gal, Shira; Argov, Yael; Domeratzky, Sylvie; Melamed, Eti; Gan-Mor, Samuel; Coll, Moshe; Palevsky, Eric
The citrus rust mite (CRM), Phyllocoptruta oleivora (Acari: Eriophyidae) is a cosmopolitan key pest of citrus, inflicting severe economic damage if not controlled. In Israel, CRM damages all citrus cultivars. International regulation and increasing control failures of CRM led growers to seek sustainable biological control solutions such as acarine biological control agents. Laboratory studies conducted in Israel have indicated that the indigenous predator species Amblyseius swirskii, Iphiseius degenerans, Typhlodromus athiasae and Euseius scutalis (all Acari: Phytoseiidae) can potentially control CRM. Our general objective in the present study was to bridge the gap of knowledge between laboratory studies and the lack of control efficacy of these species in commercial orchards. Predator augmentation in the field showed that although predator populations increased immediately following releases they later decreased and did not affect CRM populations. When A. swirskii augmentation was combined with a series of maize pollen applications, A. swirskii populations were enhanced substantially and continuously but again CRM populations were not affected. Growth chamber studies with CRM-infested seedlings, with or without a maize pollen supplement, indicated that pollen provisioning led to population increase of E. scutalis and A. swirskii but only E. scutalis significantly lowered CRM populations. Control with E. scutalis was confirmed in the field on CRM infested seedlings with pollen provisioned by adjacent flowering Rhodes grass. While experiments in mature citrus orchard showed that pollen supplement usually increased predator populations they also indicated that other factors such as intraguild interactions and pesticide treatments should be taken into account when devising CRM biological control programs.
Kerton, Robert / R
How big do banks need to be to gain all the economies of scale? The largest Canadian banks already achieve scale economies and further increases in size can make them "too big to fail." Available evidence indicates normal monopoly risks will be passed on to Canadian firms and consumers if the largest banks merge. Improved service will make Canada's banks world competitive. Despite the banks' enthusiasm for heft to enter the US market, policy measures exist to prevent mergers that are contr...
Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.
Full Text Available the article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.
Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.
Full Text Available The nations discussed here (Italy, Spain, Portugal and Greece have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begin with, if the lands of the North-Western Europe were large capital exporters, then the South European nations were the importers of this capital. The role of foreign capital, i.e., foreign banks, was great and irreplaceable in the development of banking. The second element in common was a large role of state in the economy in general. Under the circumstances of underdeveloped entrepreneurial environment, the state, through its economic activities, would become the driving force of overall economic and social development. This was also or especially the case with banking. Role played by the state only began to diminish towards the end of the 1980s, in the course of the processes of deregulation and liberalisation both at the international level as well as within the then European Economic Community or subsequent European Union. Already during the preparatory processes prior to the admission into the European Economic Community, Spain, Greece and Portugal, and, however, Italy as well, but due to European Directives it had to abide by, began comprehensive processes of restructuring their national banking systems. Since the second half of the 1980s, banking systems were subjected to liberalisation, deregulation and privatisation.
Michael A. Camann; Nancy E. Gillette; Karen L. Lamoncha; Sylvia R. Mori
We studied responses of Acari, especially oribatid mites, to prescribed low-intensity fire in an east side pine site in the southern Cascade Range in California. We compared oribatid population and assemblage responses to prescribed fire in stands that had been selectively logged to enhance old growth characteristics, in logged stands to minimize old growth...
Oku, K.; Magalhães, S.; Dicke, M.
Several species of tetranychid mites including Tetranychus urticae Koch (Acari: Tetranychidae) construct complicated three-dimensional webs on plant leaves. These webs provide protection against biotic and abiotic stress. As producing web is likely to entail a cost, mites that arrive on a leaf with
Pesic, V.; Smit, H.; Datry, T.
New records of water mite species (Acari: Hydrachnidia) from hyporheic waters of Selwyn River (South Island, New Zealand) are reported. One new genus, Canterburaturus Pesic & Smit n. gen. (Aturidae) and nine new species are described: Taintaturus selwynus Pesic & Smit n. sp., T. rostratus Pesic &
Zacharda, Miloslav; Kučera, Tomáš
Roč. 54, č. 1 (2010), s. 1-8 ISSN 0031-4056 R&D Projects: GA ČR GA205/06/1236 Institutional research plan: CEZ:AV0Z60870520 Keywords : Lapland * Acari * Rhagidiidae * Monitor * Climate warming Subject RIV: EG - Zoology Impact factor: 1.474, year: 2010
Although coconut (Cocos nucifera L.) is the predominant host for Raoiella indica Hirst (Acari: Tenuipalpidae), false spider mite infestations do occur on bananas and plantains (Musa spp. Colla). Since its introduction, the banana and plantain industries have been negatively impacted to different deg...
Mironov, S. V.; Literák, I.; Čapek, Miroslav
Roč. 1947, - (2008), s. 1-38 ISSN 1175-5326 Institutional research plan: CEZ:AV0Z60930519 Keywords : Acari * Astigmata * feather mites * systematics * Brazil * Proctophyllodidae * Aves * Passeriformes Subject RIV: EG - Zoology Impact factor: 0.740, year: 2008 http://www.mapress.com/zootaxa/2008/f/zt01947p038.pdf
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.
Kurt Von Mettenheim
Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.
Ebubeogu Amarachukwu Felix
Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.
Eriksson, M.; Schuster, C.
In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory pur...
Booker, C.P.; Turner, M.R.; Spore, J.W.
The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities
Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.
The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...
Alexiou Constantinos; Sofoklis Voyazas
This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP) hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly af...
Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.
Dragan (Santamarian Oana Raluca
Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projectsâ€™ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...
Kaitlin A. Uppstrom
Full Text Available Mites (Acari associated with the seed harvester ant Messor pergandei were investigated in the Sonoran desert of Arizona. At least seven representatives of the mite genera Armacarus, Lemanniella, Petalomium, Forcellinia, Histiostoma, Unguidispus, and Cosmoglyphus are phoretically associated with M. pergandei. Most of these morphospecies show preference for specific phoretic attachment sites and primarily use female alates rather than male alates for dispersal. Five mite morphospecies were found in low numbers inhabiting the chaff piles: Tydeidae sp., Procaeculus sp., Anystidae sp., Bakerdania sp., and Tetranychidae sp. The phoretic Petalomium sp. was observed consuming fungus growing on a dead queen, but the roles of the other mite species remain mostly unresolved.
Pešić, Vladimir; Gerecke, Reinhard
Four species of water mites (Acari, Hydrachnidia) were collected in 2010 during an Italian speleological expedition to caves of the Ha Giang region in northern Vietnam from rimstone pools or other tiny accumulations of percolating water. Four taxa new to science are described, representing the families Torrenticolidae (Torrenticola anophthalma nov. sp., Stygotorrenticola coniseta nov. gen., nov. sp.), Limnesiidae (Raptorhydracarinae subfam. nov., Raptorhydracarus tomasini nov. gen., nov sp.) and Athienemanniidae (Africasia vietnamitica sp. nov.). Most of these taxa show striking morphological adaptations to subterranean life.
Gonçalves-Souza, Thiago; Giupponi, Alessandro P L; Hernandes, Fabio A
Twelve larvae of unidentified species of Odontacarus Ewing, 1929 (Acari: Leeuwenhoekiidae) were found parasitising an adult male whip spider Charinus brasilianus Weygoldt (Charinidae) in Santa Teresa, mountainous region of Espirito Santo state, southeastern Brazil. These larvae occurred in the intersegmental membrane of prosoma and legs. This is the first report of ectoparasitic mites infecting a charinid whip spider and the first record of leeuwenhoekiid mites parasitising an invertebrate host. We suggest that future studies are essential to understand the reasons why these events of parasitism are so rare in the order Amblypygi.
Maria Ogrzewalska; Adriano Pinter
Os carrapatos (Acari: Ixodoidea) são ectoparasitas obrigatórias de uma variedade de hospedeiros vertebrados e têm um papel importante na ecologia e transmissão de diversos patógenos causadores de doenças em humanos e animais no mundo todo. No Brasil existem 68 espécies de carrapatos e pelo menos 23 espécies são encontradas parasitando aves silvestres. Esse número tem crescido com o advento de novos estudos ressaltando o papel das aves nos ciclos de vida desses artrópodes. Na América do Sul al...
Liu, Dong; Chen, Jun
In this paper, eight species of Acrotritia (Acari: Oribatida: Euphthiracaridae) are identified, including a new species, Acrotritia tibetensis sp. nov., and four newly recorded species from China: Acrotritia gracile (Niedbała, 2000), Acrotritia hauseri (Mahunka, 1991), Acrotritia refracta (Niedbała, 1998) and Acrotritia simile (Mahunka, 1982). An updated diagnosis of the genus and remarks on some known species are presented, the validity of species A. hauseri is discussed, and a key to Chinese known species of Acrotritia is also provided.
Full Text Available Five species of the subgenus Galumna (Galumna (Acari, Oribatida, Galumnidae are registered in the Philippine oribatid mite fauna. A new species, G. (G. makilingensis sp. n., is described; it is most similar morphologically to G. (G. tokyoensis Aoki, 1966, but differs from the latter by the morphology of porose areas Aa and Ap, rostral setae, and length of interlamellar setae. Three species, G. (G. crenata Deb & Raychaudhuri, 1975, G. (G. cf. exigua Sellnick, 1925 and G. (G. khoii Mahunka, 1989, are recorded in the Philippines for the first time. The species G. (G. crenata is redescribed. An identification key to the Philippine species of Galumna (Galumna is given.
Ermilov, Sergey G; Bayartogtokh, Badamdorj
Based on the recent ascertaining studies of type specimens, the new systematic placement for one subgenus and three species of oribatid mites of the family Galumnidae (Acari, Oribatida) are proposed, resulting in the following taxonomic proposals: Pergalumna (Bigalumna) Mahunka & Mahunka-Papp, 2009 stat. nov., P. (B.) rimosa (Mahunka & Mahunka-Papp, 2009) comb. nov., Allogalumna quadrimaculata (Mahunka, 1988) comb. nov. and A. brevisetosa (Bayartogtokh & Weigmann, 2005) comb. nov. The initial taxonomic position of the species, Galumna scripta Balogh & Mahunka, 1966, is supported. Some details on important morphological characters of these species are provided.
Lebedeva, Natalia V; Poltavskaya, Marina P
The paper is devoted to the fauna of oribatid mites (Acari: Oribatida) mostly of a plain area of the Southern European Russia. The most updated taxonomic list of oribatid mite taxa compiled from the original authors' data collected after sam- pling soil, nests and plumage of birds, as well as published sources is presented. It includes 256 species of oribatid mites belonging to 72 families. Twenty species and one family of oribatid mites are recorded for the first time at the research territory. The abundance of mites in the soil is also provided for selected species.
Ermilov, Sergey G; Corpuz-Raros, Leonila; Tolstikov, Andrei V
Five species of the subgenus Galumna (Galumna) (Acari, Oribatida, Galumnidae) are registered in the Philippine oribatid mite fauna. A new species, Galumna (Galumna) makilingensissp. n., is described; it is most similar morphologically to Galumna (Galumna) tokyoensis Aoki, 1966, but differs from the latter by the morphology of porose areas Aa and Ap, rostral setae, and length of interlamellar setae. Three species, Galumna (Galumna) crenata Deb & Raychaudhuri, 1975, Galumna (Galumna) cf.exigua Sellnick, 1925 and Galumna (Galumna) khoii Mahunka, 1989, are recorded in the Philippines for the first time. The species Galumna (Galumna) crenata is redescribed. An identification key to the Philippine species of Galumna (Galumna) is given.
In principle, bank capital serves two functions. First, it represents the value of shareholder's equity, and secondly, it is the value of the buffer stock available to absorb unexpected losses. Because of this second function, it is argued that a bank's capital must be adequate. Adequate capital is the foundation of any banking ...
However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount interest to the banker, customer and the general public. The issues are: (a) is the family of a bank customer killed by armed robbers in the banking hall during a transaction entitled to compensation? (b) Is a ...
require advance mitigation. The Acequia Mitigation Bank in Idaho, for example, requires that mitigation must be complete and successful before...20. Georgia - Georgia Department of Transportation (single client DOT bank) 21. Idaho - Acequia (single client DOT bank) 22. Idaho - Mud Lake...21. Acequia Cassia County, ID ID Transportation Dept. (ITD) ITD ITD currently public - ITD 22. Mud Lake Wildlife Management Area
Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both
Kuada, John; Narteh, Bedman
This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...
Lavinia Mihaela GUȚU
Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.
Huston, Steven W.
Electronic load-bank circuit provides pulsed or continuous low-resistance load to imitate effect of short circuit on Ni/H2 or other electrochemical power cells. Includes safety/warning feature and taps for measurement of cell-output voltage and current.
Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…
UBS, CERN branch
UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...
Gordon, Jeffrey N.; Ringe, Georg
This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...
N. Gordon, Jeffery; Ringe, Georg
This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...
The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks) de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary...
Frederick S. Mishkin
This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...
Edward Simpson Prescott
Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...
... Doc No: 2010-27868] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... of a bank or bank holding company. The factors that are considered in acting on the notices are set...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...
...: 2012-31575] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank ] or bank holding company. The factors...
... No: 2012-1314] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...
... No: 2010-20809] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control... a bank or bank holding company. The factors that are considered in acting on the notices are set...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...
... Doc No: 2010-22050] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank... acquire a bank or bank holding company. The factors that are considered in acting on the notices are set...
Flynn, David T.
The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…
Degryse, H.A.; Ongena, S.
This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing
The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic\\ud banking has developed new banking practices.
Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.
Efeitos do nim sobre tetranychus urticae Koch (Acari: Tetranychidae e os predadores Phytoseiulus macropilis (Banks e Neoseiulus californicus (Mcgregor (Acari: Phytoseiidae Effects of neem on tetranychus urticae Koch (Acari: Tetranychidae and the predators Phytoseiulus macropilis (Banks and Neoseiulus Californicus (Mcgregor (Acari: phytoseiidae
Daniele Cristine Hoffmann Schlesener
Full Text Available O objetivo deste trabalho foi avaliar a eficiência de controle e os efeitos adversos de dois produtos à base de nim Azamax® (Azadiractina A/B 12g/L e Neemseto® (Azadiractina A/B, Nimbina e Salanina 2,389 g/L sobre o ácaro-rajado Tetranychus urticae e os predadores Phytoseiulus macropilis e Neoseiulus californicus em laboratório. Para o ácaro-rajado, foram consideradas as variáveis mortalidade, fecundidade, efeito ovicida e persistência biológica, enquanto para os fitoseídeos consideraram-se mortalidade e fecundidade. A mortalidade máxima observada para o ácaro-rajado foi de 89,7% e 91,5% para Azamax® e Neemseto®, respectivamente, na concentração de 0,5% após a reaplicação do produto no sétimo dia. Também foram observados efeitos adversos sobre a fecundidade e a viabilidade dos ovos quando tratados com os produtos comerciais (p.c.. A persistência biológica dos produtos foi de aproximadamente três dias após a pulverização. As formulações apresentaram seletividade em relação aos fitoseídeos, porém causaram redução da fecundidade dos mesmos.The aim of the present study was to evaluate the efficiency of control and adverse effects of two neem based products: Azamax TM (Azadirachtin A/B 12g/L and Neemseto TM (Azadirachtin A/B, Nimbin and Salanin 2,389 g/L over two-spotted spider mite Tetranychus urticae and the predators Phytoseiulus macropilis and Neoseiulus californicus in laboratory. Effects over the mortality, fecundity, eggs and biological persistence of the two-spotted spider mite when treated with neem based products were evaluated. For the phytoseiids the effects on mortality and fecundity were evaluated. The maximum mortality of two-spotted spider mites rates observed were 89.7% and 91.5% for Azamax TM and Neemseto TM respectively, on the 0.5% concentration after reapplying the product on the seventh day. Adverse effects were also observed over the fecundity and viability of the eggs when treated with commercial products (c.p.. The biological persistence of the products was of approximately three days after being pulverized. The formulations present selectivity in relation to the phytoseiids, however they caused fecundity reduction.
Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.
Angkinand, Apanard; Wihlborg, Clas
Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...
Liburd, O.E.; White, J.C.; Rhodes, E.M.; Browdy, A.A.
The residual effects of several reduced-risk and conventional miticides were evaluated in strawberries (Fragaria × ananassa Duchesne) on the twospotted spider mite (TSSM), Tetranychus urticae Koch (Acari: Tetranychidae) and on 2 predatory mites, Neoseiulus californicus McGregor and Phytoseiulus persimilis Athias-Henriot (Acari: Phytoseiidae). Experiments were conducted in the laboratory and greenhouse. The greenhouse experiments also tested the direct effects of the miticides on TSSM. The efficacy of conventional and reduced-risk miticides was evaluated on strawberry leaf discs and on whole plants for control of TSSM. Furthermore, the residual effects of these miticides were evaluated on whole strawberry plants against selective predatory mites. For TSSM, 5 treatments were evaluated: a conventional miticide; fenbutatin-oxide (Vendex[reg]) and 3 reduced-risk miticides; binfenazate (Acramite 50WP[reg]), activated garlic extract (Repel[reg]), sesame seed and castor oil (Wipeout[reg]), and a water-treated control. For predatory mites, the residual effects of only Acramite[reg] and Vendex[reg] were evaluated. Acramite[reg] was the most effective acaricide in reducing TSSM populations in both the laboratory and greenhouse experiments. Vendex[reg] and Wipeout[reg] were also effective in the laboratory, but did not cause significant reduction of TSSM in the greenhouse. Repel[reg] was the least effective of the 4 pesticides evaluated. Neither Acramite[reg] nor Vendex[reg] had a significant effect on either predatory mite species. However, there appeared to be more predatory mites on the Vendex[reg]-treated plants than on the Acramite[reg]-treated plants. There were significantly more predatory mites of both species on the cue plants, which were inoculated with TSSM versus the non-cue plants, which were not inoculated. (author) [es
... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1) The...
Villanueva, Raul T; Walgenbach, James F
Eight reduced-risk insecticides (acetamiprid, thiamethoxam, imidacloprid, thiacloprid, methoxyfenozide, pyriproxyfen, indoxacarb, and spinosad) and three conventional insecticides (azinphosmethyl, fenpropathrin, and esfenvalerate) were tested against Neoseiulus fallacis (Garman) (Acari: Phytoseiidae), the most abundant predacious mite in North Carolina apple (Malus spp.) orchards. To assess the effect of insecticides on development and mortality of N. fallacis immatures, 12-h-old eggs were individually placed on bean leaf disks previously dipped in insecticide solutions. Tetranychus urticae Koch (Acari: Tetranychidae) females were added as a food source. None of the reduced-risk insecticides significantly affected immature N. fallacis compared with the control; however, the pyrethroids esfenvalerate and fenpropathrin were highly toxic to immatures. To evaluate the effect of insecticides on mortality and oviposition of adult N. fallacis, 7- to 8-d-old females were confined on insecticide-treated bean leaves with Malephora crocea (Aizoaceae) pollen added as a food source. Spinosad resulted in the highest mortality, whereas azinphosmethyl, acetamiprid, fenpropathrin, and imidacloprid were moderately toxic, and mortality from esfenvalerate, indoxacarb, thiacloprid, methoxyfenozide, pyriproxyfen, and thiamethoxam did not differ significantly from the control. Oviposition was affected in a similar manner, with the exception of acetamiprid that did not affect oviposition, and thiamethoxam that reduced oviposition.
Full Text Available Phytoseiid mites (Acari, Phytoseiidae inhabiting plants in natural ecosystems from Tenerife and La Gomera islands (Canary Islands have been studied. Surveys were conducted from 1997 to 2002. Eleven species were collected, one of them being reported for the first time from the Canary Islands and six of them reported for the first time from Tenerife and La Gomera islands. Euseius machadoi n. sp. collected from woody plants in the Canarian laurisilva is proposed as a new species.
En muestreos realizados desde 1997 hasta 2002 se ha estudiado la fauna de ácaros fitoseidos (Acari, Phytoseiidae asociada a plantas de ecosistemas naturales de las islas de Tenerife y La Gomera (Islas Canarias. Se han recolectado un total de 11 especies, siendo una de ellas citada por vez primera en las islas Canarias y seis de ellas citadas por primera vez en las islas de Tenerife y La Gomera. Euseius machadoi n. sp., recolectado en plantas leñosas de la laurisilva canaria, se propone como una nueva especie.
Peterson Kitakogelu Ozili
Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity
Devereux, Michael P.; Johannesen, Niels; Vella, John
In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...
The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS
EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...
Benson, D; Lipman, D J; Ostell, J
The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...
Danezis, G.; Meiklejohn, S.
Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...
Haiden, Nadja; Ziegler, Ekhard E
Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula. © 2017 S. Karger AG, Basel.
Kit Fai Wong
Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.
Wong, Kit Fai
Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time. PMID:21383930
Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.
Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.
Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.
Full Text Available A new species of oribatid mite (Acari, Oribatei belonging to the family Ctenacaridae (Cohors Palaeosomata is described; this species was recorded several times in Spain as Beklemishevia galeodula Zachvatkin, 1945. The new species is easily distinguishable from the mentioned one because of the presence of three claws in every leg, a noticeable pigidial neotrichy and the absence of short, almost spiniform, setae on the pygidium.Se describe una nueva especie de oribátido (Acari, Oribatei perteneciente a la familia Ctenacaridae (Cohorte Palaeosomata que habia sido citada varias veces en España como Beklemishevia galeodula Zachvatkin, 1945, y de la que se diferencia por presentar tres uñas en todas las patas, una acentuada neotriquia pigidial y carecer de setas cortas espiniformes en el pigidio.
Aznar Lucea, Justo
The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.
Khan, Haider A.
The Asian Development Bank(ADB) was founded in the mid-sixties. In addition to the Asian countries, it also has members from among the wealthy countries in North America, Europe and Oceania. Over the years, ADB has grown in size and prestige among the regional development banks. As Khan (2004, 2007 and 2012) argues, within a hybrid workable global financial architecture, regional development banks like the ADB can play a constructive role.
Madzova, Violeta; Davcev, Ljupco
Banking is an information based industry and banks develop relationships with and obtain information on their customers. Following them abroad, therefore, is a motivating factor for banks to continue providing banking services. Liberalization, international trade agreements and reduced trade barriers and more open markets have allowed banks to expand internationally. The range of services that a bank offers results from the strategy and is influenced from the sources of the bank. Intern...
N. Gordon, Jeffery; Ringe, Georg
The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....
Mohammed, Shariq; Sha, Nadia; Uddin, Mohammed Ahmar
This paper discusses about the inception of Islamic Banking in Oman. This paper would discuss the Islamic Banking Regulatory Framework (IBRF) under which the Islamic banking system is operating. The two full fledged banks which are working in Oman are Alizz Islamic Bank, Bank Nizwa and there are 6 Islamic windows which are working in Oman. The study would be related to the factors which influence the customers’ attraction towards Islamic Banking in Oman.
This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...
This paper measures individual bank's impact on banking systemic risk and examines the effect of individual bank's capital buffer and leverage to bank's systemic risk impact in Indonesia during 2010-2014. Using Merton's distance-to-default to measure systemic risk, the study shows a significant negative relationship between bank's capital buffer and systemic risk. High capital buffer tends to lowering bank's impact on systemic risk. Bank's leverage level also influences its contribution to sy...
Napiera?a, Agnieszka; M?dra, Anna; Leszczy?ska-Deja, Kornelia; Gwiazdowicz, Dariusz J.; Go?dyn, Bart?omiej; B?oszyk, Jerzy
Underground nests of Talpa europaea, known as the common mole, are very specific microhabitats, which are also quite often inhabited by various groups of arthropods. Mites from the suborder Uropodina (Acari: Mesostigmata) are only one of them. One could expect that mole nests that are closely located are inhabited by communities of arthropods with similar species composition and structure. However, results of empirical studies clearly show that even nests which are close to each other can be ...
Hart, Barbara; Crowther, David; Wilkinson, Toby; Biddulph, Phillip; Ucci, Marcella; Pretlove, Stephen; Ridley, Ian; Oreszczyn, Tadj
Life histories of “wild” house dust mites, Dermatophagoides pteronyssinus (Trouessart) (Acari: Pyroglyphidae), were compared with laboratory cultures by using a diet consisting of skin and dust or a laboratory diet consisting of dried liver and yeast. Under constant conditions of 25 C and 75% RH, fecundity and rate of reproduction were higher in laboratory cultures on both diets compared with wild mites. There were also trends for a shorter prereproductive period and more rapid egg developmen...
Full Text Available Larvae of water mite Hydrachna processifera Piersig, 1895 (Acari, Hydrachnidiae were reported on diving beetles Dytiscus marginalis Linnaeus, 1758 (Coleoptera, Dytiscidae from Turkey. The redescription of the larva was made. Earlier, the larva H. processifera was described as H. inermis, but it was subsequently synonymized with H. processifera. The larva of H. processifera is a new record for the Turkish fauna. All larvae of H. processifera were found on the mesosternum of the one specimens (prevalence = 16.7%.
Manu, Minodora; Honciuc, Viorica
The study of soil mites (Acari: Gamasida; Oribatida) was done in three parks in Bucharest city, Cişmigiu, Unirea and Izvor, achieved by transects situated in the lateral sides (near the roads, boulevards or street), or in the middle of these areas. From 72 identified species of mites, 54 were saprophages-detritophages (Oribatida) and 18 predators (Gamasida). In all the parks 22 common species were identified: 14 oribatids and 8 predators. Spearman rank correlations applied between the number ...
Liu, Dong; Zhang, Zhi-Qiang
The genus Notophthiracarus (Acari: Oribatida: Phthiracaridae) was represented in New Zealand by 21 species prior to this work. In this paper, three new species of Notophthiracarus from New Zealand are described: Notophthiracarus dugdalei sp. nov. and Notophthiracarus matatatipu sp. nov. from Darran Mts., Tutoko Bench, and Notophthiracarus whakau sp. nov. from the Red Island, Mercury Islands. A key to all known species of Notophthiracarus in New Zealand is also provided.
Pereira, A I A; Fadini, M A M; Pikart, T G; Zanuncio, J C; Serrão, J E
New hosts and parasitism notes for the mite Leptus (Acari: Erythraeidae) in Brazil. Larval erythraeid mites are common ectoparasites of harvestmen (Opiliones). Studies describing insects as potential hosts have received little attention. Specimens of an undescribed species of the genus Leptus were collected in association with predatory and phytophagous Heteroptera bugs in a secondary forest in Viçosa, Minas Gerais state, Brazil. New mite-host records and information on seasonality of this mite are presented.
Pereira,AIA.; Fadini,MAM.; Pikart,TG.; Zanuncio,JC.; Serrão,JE.
New hosts and parasitism notes for the mite Leptus (Acari: Erythraeidae) in Brazil. Larval erythraeid mites are common ectoparasites of harvestmen (Opiliones). Studies describing insects as potential hosts have received little attention. Specimens of an undescribed species of the genus Leptus were collected in association with predatory and phytophagous Heteroptera bugs in a secondary forest in Viçosa, Minas Gerais state, Brazil. New mite-host records and information on seasonality of this mi...
Full Text Available New hosts and parasitism notes for the mite Leptus (Acari: Erythraeidae in Brazil. Larval erythraeid mites are common ectoparasites of harvestmen (Opiliones. Studies describing insects as potential hosts have received little attention. Specimens of an undescribed species of the genus Leptus were collected in association with predatory and phytophagous Heteroptera bugs in a secondary forest in Viçosa, Minas Gerais state, Brazil. New mite-host records and information on seasonality of this mite are presented.
Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.
Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.
Van Leeuwen, Thomas; Vontas, John; Tsagkarakou, Anastasia; Dermauw, Wannes; Tirry, Luc
The two-spotted spider mite Tetranychus urticae Koch is one of the economically most important pests in a wide range of outdoor and protected crops worldwide. Its control has been and still is largely based on the use of insecticides and acaricides. However, due to its short life cycle, abundant progeny and arrhenotokous reproduction, it is able to develop resistance to these compounds very rapidly. As a consequence, it has the dubious reputation to be the"most resistant species" in terms of the total number of pesticides to which populations have become resistant, and its control has become problematic in many areas worldwide. Insecticide and acaricide resistance has also been reported in the ectoparasite Sarcoptes scabiei, the causative organism of scabies, and other economically important Acari, such as the Southern cattle tick Rhipicephalus microplus, one of the biggest arthropod threats to livestock, and the parasitic mite Varroa destructor, a major economic burden for beekeepers worldwide. Although resistance research in Acari has not kept pace with that in insects, a number of studies on the molecular mechanisms responsible for the resistant phenotype has been conducted recently. In this review, state-of-the-art information on T. urticae resistance, supplemented with data on other important Acari has been brought together. Considerable attention is given to the underlying resistance mechanisms that have been elucidated at the molecular level. The incidence of bifenazate resistance in T. urticae is expanded as an insecticide resistance evolutionary paradigm in arthropods. Copyright © 2010 Elsevier Ltd. All rights reserved.
Oleh Mozhovyi; Olena Pavliuk
The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities ...
García-Palacios, Jaime H.; Hasman, Augusto; Samartín, Margarita
Intervention has taken different forms in different countries and periods of time. Moreover, recent episodes showed that in front of an imminent crisis, the promise of no interventions made by governments is barely credible. In this paper we address the problem of resolving banking crises from the government perspective, taking into account the fact that preventing banking crises is crucial for the government. In addition, we introduce the moral hazard problem, inherent in the banking system,...
A.M. Karminskiy; O.R. Zhdanova
The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the devel...
Stentella Lopes, F.S.
This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...
Olga Sergeevna Miroshnichenko
Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to
The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...
Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)
Bacigalupo, J.; Guillen, G.; Gerez, J.
A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas
Poli, F.; Facchiano, F.
The Italian Bio bank is hosted at 'Ospedale Maggiore. Policlinico' of Milan. This structure occupies an area of 300 sq meters and includes laboratories and a cryogenic area. This facility has been built a in compliance with the standards defined by the Foundation for Accreditation of Cellular Therapy (FACT) mostly related to adequacy of spaces, equipment and governmental and institutional policies for bio safety. The Cryogenic area follows written procedures in the event of an ambient disaster and for safety personnel and of the samples stored
The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any).
Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas
Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...
Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.
Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland
Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...
Elvis A. Adjei
Full Text Available Economic liberalisation is characterised by the entry of foreign companies and the emergence of new domestic institutions to compete with the existing institutions of lending, and there is a view that the process leads to greater efficiency, especially because foreign banks bring new expertise. Extracting information from accounts lodged with Ghana Central Bank, this paper ranks the cost efficiency of banks, Theil decomposition of the cost efficiency scores allows for a comparison of performance between banks under different types of ownership. There is pronounced differences in efficiency scores within and between groups by type of ownership, but foreign ownership, per se, is not the determining factor.
Full Text Available Abstract Background The family Tetranychidae (Chelicerata: Acari includes ~1200 species, many of which are of agronomic importance. To date, mitochondrial genomes of only two Tetranychidae species have been sequenced, and it has been found that these two mitochondrial genomes are characterized by many unusual features in genome organization and structure such as gene order and nucleotide frequency. The scarcity of available sequence data has greatly impeded evolutionary studies in Acari (mites and ticks. Information on Tetranychidae mitochondrial genomes is quite important for phylogenetic evaluation and population genetics, as well as the molecular evolution of functional genes such as acaricide-resistance genes. In this study, we sequenced the complete mitochondrial genome of Panonychus citri (Family Tetranychidae, a worldwide citrus pest, and provide a comparison to other Acari. Results The mitochondrial genome of P. citri is a typical circular molecule of 13,077 bp, and contains the complete set of 37 genes that are usually found in metazoans. This is the smallest mitochondrial genome within all sequenced Acari and other Chelicerata, primarily due to the significant size reduction of protein coding genes (PCGs, a large rRNA gene, and the A + T-rich region. The mitochondrial gene order for P. citri is the same as those for P. ulmi and Tetranychus urticae, but distinctly different from other Acari by a series of gene translocations and/or inversions. The majority of the P. citri mitochondrial genome has a high A + T content (85.28%, which is also reflected by AT-rich codons being used more frequently, but exhibits a positive GC-skew (0.03. The Acari mitochondrial nad1 exhibits a faster amino acid substitution rate than other genes, and the variation of nucleotide substitution patterns of PCGs is significantly correlated with the G + C content. Most tRNA genes of P. citri are extremely truncated and atypical (44-65, 54.1 ± 4.1 bp, lacking
Ohene-Asare, Kwaku; Asmild, Mette
This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...
recommendations targeting at reducing fraud and forgeries in the Nigerian banking industry. Key Words: Fraud, Bank Failure, Forgeries and Embezzlement. Introduction. Banks and non-bank financial institutions jointly constituting the financial industry of any economy however, the banking system comprises the major.
Sven Christian Berger; Sonja Gensler
Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.
Ohene-Asare, Kwaku; Asmild, Mette
This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....
De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara
This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country
P. Hüttl (Pia); D. Schoenmaker (Dirk)
textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive emission...
Shurtz, Mary Ann; LeFlore, Ann Becker
This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…
In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...
Schoenmaker, D.; van Laecke, C.
: Banks have expanded their foreign activities due to deregulation and advances in technology. Using a new approach, we measure the level of internationalization of the world's largest commercial banks. The degree of internationalization is found to be uneven across the three main continents.
We use an early episode of negotiations between Switzerland and the European Union to investigate the value of banking secrecy for four Swiss banks: two universal banks and two private banks. We nd that the value of banking secrecy to private banks is large, accounting for at least 8 to 14% of their market value. Perhaps surprisingly, banking secrecy appears to account for only a very small fraction of the market value of the universal banks.
Kontschán, J.; Starý, Josef
Roč. 56, č. 3 (2015), s. 629-635 ISSN 1681-5556 Institutional support: RVO:60077344 Keywords : Acari * new species * Pinus radiata plantation * Kenya Subject RIV: EG - Zoology Impact factor: 0.708, year: 2015
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors that are...
Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi
The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...
Full Text Available Amblyomma varium, commonly known in Brazil as the "carrapato-gigante-da-preguiça" (sloth's giant tick is found from southern Central America to Argentina. The present study adds information on the geographical distribution of A. varium, as well as on their hosts, based on material deposited in the main Brazilian collections and on the available literature. Eighty-two vials, containing 191 adult specimens, deposited in five Acari collections between 1930 and 2001, were examined. These vials included data on the host and collection localities. The biology of A. varium is unknown. However it is known that, during the adult stage, the tick presents a high host specificity and is found almost exclusively on the sloths Bradypus tridactylus, B. variegatus, B.torquatus (Bradypodidae, Choloepus hoffmanni and C. didactylus (Megalonychidae. Based on the material examined, the states of Rondônia, Amazonas, Bahia and Alagoas are newly assigned to geographic distribution of A. varium in Brazil.
Full Text Available Bark beetles (Scolytinae are hosts to a broad diversity of mites (Acari, including several genera of Oribatida (Sarcoptiformes. Of these, Paraleius (Scheloribatidae species are the most frequently collected oribatid mites associated with bark beetles. A new species was discovered while surveying the acarofauna of bark beetles in Eastern Canada and is described as Paraleius leahae sp. n. (Oribatida, Scheloribatidae. This species was collected from two host beetle species, Hylastes porculus Erickson and Dendroctonus valens LeConte, in Ontario, New Brunswick and Nova Scotia. The genus Paraleius is rediagnosed, Metaleius is considered a synonym of Paraleius, and the proposed synonymy of Paraleius with Siculobata is rejected. The three known species are Paraleius leontonycha (Berlese, P. leahae sp. n., and P. strenzkei (Travé, comb. n. The barcode region of cytochrome oxidase subunit I (COI was amplified from P. leahae sp. n.
Bark beetles (Scolytinae) are hosts to a broad diversity of mites (Acari), including several genera of Oribatida (Sarcoptiformes). Of these, Paraleius (Scheloribatidae) species are the most frequently collected oribatid mites associated with bark beetles. A new species was discovered while surveying the acarofauna of bark beetles in Eastern Canada and is described as Paraleius leahae sp. n. (Oribatida, Scheloribatidae). This species was collected from two host beetle species, Hylastes porculus Erickson and Dendroctonus valens LeConte, in Ontario, New Brunswick and Nova Scotia. The genus Paraleius is rediagnosed, Metaleius is considered a synonym of Paraleius , and the proposed synonymy of Paraleius with Siculobata is rejected. The three known species are Paraleius leontonycha (Berlese), P. leahae sp. n. , and P. strenzkei (Travé), comb. n. The barcode region of cytochrome oxidase subunit I (COI) was amplified from P. leahae sp. n.
Hata, F T; Silva, J E P; Ventura, M U; Pasini, A; Roggia, S
The red palm mite (RPM), Raoiella indica (Hirst) (Acari: Tenuipalpidae), was found for the first time in the Paraná State, in southern Brazil. The first observations occurred in September 2015, on strawberry (Fragaria × ananassa Duch) leaves, which is not considered a typical host plant of RPM. It is probable that its occurrence on this plant was serendipitous. Visual surveys for RPM were carried out on four typical host plants (banana, coconut, foxtail palm, and real palm), in five cities of the Paraná State (Bela Vista do Paraíso, Londrina, Maringá, Marialva, and Sarandi). RPM was found on each of the four typical host plants, in each of the five cities. Our survey extends RPM occurrence to the southern region of Brazil and indicates that the pest could be widespread in the country.
Abstract Bark beetles (Scolytinae) are hosts to a broad diversity of mites (Acari), including several genera of Oribatida (Sarcoptiformes). Of these, Paraleius (Scheloribatidae) species are the most frequently collected oribatid mites associated with bark beetles. A new species was discovered while surveying the acarofauna of bark beetles in Eastern Canada and is described as Paraleius leahae sp. n. (Oribatida, Scheloribatidae). This species was collected from two host beetle species, Hylastes porculus Erickson and Dendroctonus valens LeConte, in Ontario, New Brunswick and Nova Scotia. The genus Paraleius is rediagnosed, Metaleius is considered a synonym of Paraleius, and the proposed synonymy of Paraleius with Siculobata is rejected. The three known species are Paraleius leontonycha (Berlese), P. leahae sp. n., and P. strenzkei (Travé), comb. n. The barcode region of cytochrome oxidase subunit I (COI) was amplified from P. leahae sp. n. PMID:28769635
De Jonghe, O.G.; Öztekin, Ö.
We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management
Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R.K.; Yao, H.; Markley, J.L.
The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data
H.J. de Vries (Henk); G.W.J. Hendrikse (George)
textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not
Sprott, J.C.; Lovell, T.W.
Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure
In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters
Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.
outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently...
Stentella Lopes, F.S.
This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’
Morales Arenas, Diana
This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth
Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael
Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode
Pais, A.; Stork, P.A.
The global financial crisis that started in mid-2007 illustrates the relevance of systemic risk. One key driver of the systemic instability that materialised in the crisis was the elevated level of stress in large banks. We use EVT to analyse the effect of size on banks' univariate and systemic risk
Mousa T AL-Akhras
Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following
Doraiswamy, Arvind; Kapoor, Nilesh
Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.
Full Text Available The records of patients from the Allergology Service in the Previsora Policlinic, Camagüey were revised to evaluate benefits and risks of the subcutaneous immunotherapy (ITSC with extracts of acari. The study was observational, analytic and retrospective of cases and controls in allergic rhinoconjunctivitis and bronchial asthma. A total of 160 subjects, older than 18 years old, were chosen. Eighty out of them had already received ITSC with dose increase during 13 weeks and maintenance with monthly injections during 18 months. A total of 80 patients who only received prevention measures and medications during the crises were paired. Questionnaires were applied for quality of rhinoconjunctivitis life and asthma, about the consumption of medications and the frequency of the crises. The adverse events were measured, as they were local and systemic to the cutaneous tests, to the ITSC and the different pharmacological treatments. There was a significant increase of the punctuation of life quality questionnaires, (p=0.011. The consumption of medications decreased in both the cases and the controls, without significant differences (p=0.083. The frequency of the rhinitis and asthma crises decrease in the group of ITSC (p=0.029. Slight local and systemic reactions were reported in both groups with Odds ratio (OR=2.029 in the ITSC group, with a 95% confidence interval of 1.114–3.967 (p=0.019. The results show that the subcutaneous immunotherapy with acari offers benefits and few risks to patients with allergic rhinoconjunctivitis and asthma.
Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R
A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.
Full Text Available The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary, to deepen globalisation by means of more homogeneous international standards for prudential regulation and bank resolution. After all, that was the original message of the G20. The champions of globalisation argue that the new rules on prudential regulation and bank resolution will make bank crises less frequent and serious, while shielding public finances if they occur. Much of the current debate focuses on whether the new rules, especially for bank capitalisation, are strict enough to deliver financial stability. The present paper objects to focusing regulation and supervision solely on stability, to linking stability only to prudential rules and to enhancing the international harmonisation of those rules. The criticism, based on a simple exercise, looks at the structural heterogeneities that characterise both the banking systems and the growth trajectories of some developed economies. Homogenous rules, if effective, would produce inflationary or deflationary strains. If banks must serve economic growth, regulation should found financial stability mainly on structural measures, and supervision should be transformed into one of the policy tools flexibly looking after local conditions.
BUCUR Luiza Emanuela
Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...
Zubair, Muhammad Kamal
This paper aims to show the growth of Islamic banking industry in Indonesia. In this time, fast growth of Islamic banking industry progressively is office network side as consequence of improvement of requirement of society and enthusiasm of bank to provide service. Bank of Indonesia estimate in the this year 2008, Islamic banking industry will enjoy high growth to be compared to national banking in general. This prediction based on the finishing Law of Islamic Securities (SBSN) and Law of Is...
Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.
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.
Petrzik, Karel; Sarkisova, Tatiana; Starý, Josef; Koloniuk, Igor; Hrabáková, Lenka; Kubešová, Olga
Roč. 489, FEB 2016 (2016), s. 12-19 ISSN 0042-6822 R&D Projects: GA MŠk LH13136 Institutional support: RVO:60077344 Keywords : Acari * Earthfan fungus * Mycovirus * Oribatida Subject RIV: EE - Microbiology, Virology Impact factor: 3.353, year: 2016
Tom W. Coleman; Michael I. Jones; Mark S. Hoddle; Laurel J. Haavik; John C. Moser; Mary L. Flint; Steven J. Seybold
The straw itch mite, Pyemotes tritici LagrÃ¨ze-Fossat andMontanÃ© (Acari: Pyemotidae), was discovered parasitising the goldspotted oak borer, Agrilus auroguttatus Schaeffer (Coleoptera: Buprestidae), an invasive exotic species to California, United States of America, and the Mexican goldspotted oak borer, Agrilus coxalis Waterhouse (Coleoptera:...
Pesic, V.; Smit, H.
New records of water mites of the genus Atractides Koch, 1837 (Acari: Hydrachnidia, Hygrobatidae) from Thailand, Malaysia and Sulawesi are presented. Four species new to science, Atractides siamis, A. malayensis, A. tahanensis and A. sulawesiensis, are described; a first description of the male is
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...
This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...
Dietrich, J. Kimball; Wihlborg, Clas
We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...... in the required return, the interest rate premium paid for leniency isincreased in recession at a given level of required capital....
Johannesen, Niels; Zucman, Gabriel
During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...... the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss...
Insolvency is one of the most often used actions in the economic intern environment. This can be used by companies as a tool for obtaining the restructuring of bank loans or to provide shelter to enforcement. For banks, that means serious problems because they are forced to fully provisioned credit granted to companies that enter into insolvency, even if the rates are paid to date or with small delays, any guaranties was held. In this situation, for banks in Romania, the perception of risk is...
This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO). The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1) integration human resources...
The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... 23261-4528: 1. U.S. Immigration Investment Center, LLC, Washington, DC, and its managing director...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... L. Lowe, Danville, California; and Christopher A. Masto, San Francisco, California; as the managing...
Yaser Taufik Syamlan
Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank. Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.
California Natural Resource Agency — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...
California Department of Resources — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...
Federal Laboratory Consortium — The NIH NeuroBioBank (NBB), supported by the National Institute of Mental Health, the National Institute of Neurological Disorders and Stroke, and the Eunice Kennedy...
Boot, A.W.A.; Marinč, M.
The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and
Full Text Available There are a lot of economic efficiency indicators in theory. It is necessary to choice some of them for concrete purposes. ROA, ROE and C/I play important role due to last experience of polish banks.Cost to Income Ratio plays very important role affecting not only efficiency monitoring process in the banks but also becoming a very important target in strategy or finance plan. There are several methodological approaches to construct this index in detail. Results are differing due to implementing methodology. This article describes trends C/I concerning both polish and foreign banks. It is difficult to compare banks in emerging country and real giants in finance mature economies.
Md Ahsan Habib
Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.
U.S. Department of Health & Human Services — Comprehensive, peer-reviewed toxicology data for about 5,000 chemicals. The data bank focuses on the toxicology of potentially hazardous chemicals. It is enhanced...
Full Text Available Abstract: Effect of Banking Service Quality (BSQ Dimensions towards Bank Customer Satisfaction. This study aims to determine the effect of Banking Service Quality (BSQ to the customer satisfaction of BPD Bank in DIY. This research is a survey research with a sample of 1.536 respondents. The sample was taken by purposive sampling technique. Data collection instrument was questionnaires and analyzed using multiple regression. The results showed that six dimensions of BSQ simultaneously gave positive and significant impact on customer satisfaction. If seen from each dimension individually; the highest influence came from the reliability dimension and the lowest dimensions were from Access and Services Portfolio dimensions. For the national servants (PNS customers, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. For the non national servants, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. Keywords: Banking Service Quality, Customer Satisfaction Abstrak: Pengaruh Dimensi Banking Service Quality (BSQ Terhadap Kepuasan Nasabah Bank. Penelitian ini bertujuan untuk mengetahui pengaruh Banking Service Quality (BSQ terhadap kepuasan nasabah Bank BPD di DIY. Penelitian ini merupakan penelitian survey dengan sampel secara keseluruhan berjumlah 1.536 responden. Sampel diambil dengan teknik purposive sampling. Instrumen pengumpulan data berupa kuesioner dan dianalisis dengan regresi ganda. Hasil penelitian menunjukkan keenam dimensi BSQ secara simultan berpengaruh positif dan signifikan terhadap kepuasan nasabah, jika dilihat tiap dimensi maka pengaruh tertinggi berasal dari dimensi keterhandalan dan terendah dari dimensi
Navpreet Kaur; Dr. Ashutosh Pathak
Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relations...
Jacques Nel; Christo Boshoff
Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking fac...
Dragan (Santamarian) Oana Raluca
This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations...
Full Text Available Deregulation and the emergence of new forms of technology have created highly competitive market conditions which have had a critical impact upon consumer behavior in corporate banking. Bank providers must, therefore, attempt to better understand their corporate clients in an attempt not only to anticipate but also to influence and determine consumer buying behavior. The paper accordingly presents and develops a model which attempts to articulate and classify corporate consumer behavior in the purchasing of financial products and services.
Kosuke Aoki; Kalin Nikolov
This paper asks two main questions: (1) What makes some asset price bubbles more costly for the real economy than others? and (2) When do costly bubbles occur? We construct a model of rational bubbles under credit frictions and show that when bubbles held by banks burst this is followed by a costly financial crisis. In contrast, bubbles held by ordinary savers have relatively muted effects. Banks tend to invest in bubbles when financial liberalisation decreases their profitability.
Full Text Available Purpose: The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Methods: Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions – “result quality” and “process quality.” The indicators were measured and tracked as part of quality assurance (QA program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011–2016. Results: Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%, discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. Conclusion: These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.
Acharya, Manisha; Biswas, Saurabh; Das, Animesh; Mathur, Umang; Dave, Abhishek; Singh, Ashok; Dubey, Suneeta
The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions - "result quality" and "process quality." The indicators were measured and tracked as part of quality assurance (QA) program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP) with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011-2016. Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%), discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.
KHAN, MUHAMMAD AKRAM
Although the Islamic finance is making continuous progress, yet the Islamic banks still face criticism from keen observers that they have adopted such techniques of financing which closely resemble interest-based finance. The difficulty with Islamic banks is that they feel hesitant to adopt profit-loss sharing in the contemporary environment. They are afraid that their clients may misreport or mismanage their funds leading to large-scale losses. Being trustees of public funds they think the r...
This thesis is aimed to provide understanding of the role of the fractional reserve in the mod-ern banking system worldwide and particularly in Finland. The fractional reserve banking is used worldwide, but the benefits of this system are very disputable. On the one hand, experts say that the fractional reserve is a necessary instrument for the normal business and profit making. On the other hand, sceptics openly criticize the fractional reserve system and blame it for fiat money (money n...
Bagus, Philipp; Howden, David
We explore several unaddressed issues in George Selgin’s (1988) claim that the best monetary system to maintain monetary equilibrium is a fractional reserve free banking one. The claim that adverse clearing balances would limit credit expansion in a fractional reserve free banking system is more troublesome than previously reckoned. Both lengthened clearing periods and interbank agreements render credit expansion unrestrained. “The theory of free banking” confuses increases in money held with...
de Haan, Jakob; Vlahu, Razvan
This paper reviews the empirical literature on the corporate governance of banks. We start by highlighting the main differences between banks and nonfinancial firms and focus on three characteristics that make banks special: (i) regulation, (ii) the capital structure of banks, and (iii) the
... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 500.320 Section 500... § 500.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of any designated foreign country: Any bank or trust...
... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 535.320 Section 535... § 535.320 Domestic bank. (a) The term domestic bank shall mean any branch or office within the United States of any of the following which is not Iran or an Iranian entity: any bank or trust company...
... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 515.320 Section 515... § 515.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of a designated foreign country; any bank or trust...
Beck, T.H.L.; Brown, M.
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
Laeven, L.; Levine, R.
This paper conducts the first empirical assessment of theories concerning risk taking by banks, their ownership structures, and national bank regulations. We focus on conflicts between bank managers and owners over risk, and we show that bank risk taking varies positively with the comparative power
Islam, T.; Vasilopoulos, C.; Pruyt, E.
Years of turmoil in the banking sector have revealed the need to assess bank performance under deep uncertainty and identify vulnerabilities to different types of risks. Banks are not the safe houses of old. Today, banks are highly uncertain dynamically complex systems that are permanently at risk
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
... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 515.314 Section... § 515.314 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...
... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 500.314 Section... § 500.314 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...
Huizinga, H.P.; Voget, J.; Wagner, W.B.
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.
Huizinga, H.P.; Voget, J.; Wagner, W.B.
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 1998ï¿½2008 period. International double taxation of foreign-source bank income is found to reduce banking-sector FDI.
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.
Nieizviestna Olena V.
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.
Slettedal, Jon Klokk; Drolsum, Liv; Ramstad, Hanne; Nicolaissen, Bjørn
Eye banks have procured, processed and stored donor corneas for decades. In parallel, new techniques have emerged employing allogeneic transplantation of various cells and tissues from the eye banks. This progress is a consequence of increased knowledge of stem cells, cell kinetics and immunological aspects and improved techniques for cell culturing, tissue storage and microsurgery. Review article on available transplants for treating eye diseases, based on experience with eye banking, clinical ophthalmological practice, own research and literature retrieved from PubMed, Medline and www.google.com. Treatment techniques for eye diseases, which require biological material for grafting, need efficient eye banks for continuous supply of donor material of high quality. New Norwegian legislation, based on implementation of EU Directive 2004/23/EC, demands authorization of all eye banks. The EU Directive sets high and rigorous standards for quality and safety for donation, procurement, testing, processing, storage and distribution of tissues and cells. Well-run eye banks are of great importance for modern treatment of patients suffering from eye diseases and for progress and research in ophthalmology.
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
... Mayflower Bank and Asia Wealth Bank. 103.187 Section 103.187 Money and Finance: Treasury Regulations... Anti-Money Laundering Programs Law Enforcement Access to Foreign Bank Records § 103.187 Special measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...
Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.
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
Hermes, Niels; Lensink, Robert
Claessens, et al. (2001) empirically investigate the impact of foreign bank entry on domestic banking markets. They show that foreign bank entry reduces income, profits and costs of domestic banks. They conclude that foreign entry improves the functioning of national banking markets through
Artha, I.K.D.S.; de Haan, J.
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
Full Text Available Bank deposits are the main method of raising capital and short-term available savings. The opening and using of the bank deposits is the main function of banks. In 2004 the Deposit Guarantee Fund was set up in the Republic of Moldova of Deposit Guarantee Fund and for the first time there was established a guaranteed bank minimum in case of bank insolvency which is currently 6,000 lei for the deposit of each natural person.
Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural...
Hakenes , Hendrik; Hasan, Iftekhar; Molyneux, Phil; Xie , Ru
This article discusses the effects of small banks on economic growth. We first theoretically show that small banks operating at a regional level can spur local economic growth. As compared with big interregional banks, small regional banks are more effective in promoting local economic growth, especially in regions with lower initial endowments and severe credit rationing. We then test the model predictions using a sample of German banks and corresponding regional statistics. We find that sma...
This thesis aims at investigating the financial stability of China's banking system. Since the banking system is one of the most important financial intermediaries in the financial systems, the financial soundness of banks could secure the stability of the whole financial system. Two of the factors that may significantly increase imbalance of the banking system, and hence affect financial stability of an economy is the accumulated non-performing loans of banks and the macro-economic turbulenc...
Urban Cooperative Bank in India, with their long history of over 100 years, play an important role in financial inclusion. The mainstay of these banks was rooted in their captive clientele the forms of shareholders, and also in some cases specific community or location. This shielded them from the competition from large commercial banks. Recently, Indian banking industry has witnessed failure of a large number of Urban Cooperative banks. What are the reasons for these failures and what lays a...
Fouzia Ali; Hassan Raziq; Abdul Aleem; Shahrukh Latif; M.Arslan; Arsalan Shah Muhammad
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...
Islamic banking in Pakistan has completed one decade of operations in Pakistan and now there are 5 full-fledged Islamic banks and more than 15 conventional banks with Islamic banking windows. Due to the consistent double digit growth in total assets, the market share had steadily risen to 7% by the end of 2011. However, meaningful assessment of Islamic banking requires looking at how far they have contributed to uphold Islamic principles, values and bringing about or at least working towards ...
Mullineux, Andrew; Chaudhry, S.M.; Agarwal, N.
This study gives an overview of bank taxation as an alternative to prudential regulations or non-revenue taxation. We review existing bank taxation with a view to eliminating distortions in the tax system, which have incentivized banks to engage in risky activities in the past. We furthermore analyze taxation of financial instruments trading and taxation of banking products and services and their ability to finance resolution mechanisms for banks and to ensure their stability. In this respect...
Khaustov, Alexander A
Three new species of the genus Stigmaeus Koch, 1836 (Acari: Stigmaeidae) are described from various habitats in Crimea: Stigmaeus kuznetsovi sp. nov. from nests of Microtus socialis (Rodentia: Cricetidae); S. mitrofanovi sp. nov. from galleries of Pityogenes bistridentatus (Coleoptera: Curculionidae) under the bark of Pinus pallasiana, and S. silvestris sp. nov. from rotten log of Pinus pallasiana. Stigmaeus corticeus Kuznetsov and Wainstein, 1977 and S. maraghehiensis Bagheri and Ueckermann, 2012 are recorded for the first time in Crimea. A key to species of the genus Stigmaeus of Crimea is provided.
Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.
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.
Sardana, V N
India's health care sector has made impressive strides toward providing health for all by the year 2000. That progress, however, has not been supported by a modern transfusion services network which continues to improve itself. In India, blood collection, storage, and delivery occur mainly in blood banks attached to hospitals, most of which are under central and state government controls. A significant portion of blood banking activity is also done by voluntary agencies and private sector blood banks. A study found the blood transfusion services infrastructure to be highly decentralized and lacking of many critical resources; an overall shortage of blood, especially from volunteer donors; limited and erratic testing facilities; an extremely limited blood component production/availability/use; and a shortage of health care professionals in the field of transfusion services. Infrastructural modernization and the technical upgrading of skills in the blood banks would, however, provide India with a dynamic transfusion services network. The safety of blood transfusion, the national blood safety program, HIV testing facilities, modernization of blood banks, the rational use of blood, program management, manpower development, the legal framework, voluntary blood donation, and a 1996 Supreme Court judgement on the need to focus greater attention upon the blood program are discussed.
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Other Real Estate Owned § 34.84 Future bank expansion. A national bank normally should use real...
... 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 in...
Measuring bank efficiency is difficult because there is no satisfactory definition of bank output. Neither the number of accounts nor total assets, total loans, nor total deposits provide a good index of output. Moreover, the value added of banks - given by their labor costs and profits - measures both the output and cost of banking. Many analysts use accounting data on bank margins, costs and profits as measures of bank efficiency. But the usefulness of such data is undermined by substantial...
Full Text Available This paper aims to assess the actual operational risk disclosure in Romanian banks. Therefore we focus on the operational risk information that Romanian banks reveal and if they conform to the requirements of the National Bank of Romania. The study methodology consists in testing the annual financial reports for Romanian commercial banks. The analysis shows that the financial reports of Romanian banks are not in consonance with the requirements of the National Bank of Romania relating to operational risk revealer and also there are many discrepancies between Romanian banks relating to the format of the financial report, which presents the operational risk disclosures. Commercial banks in Romania have different approaches of showing the disclosures of operational risk. Accordingly, they do not disclose the same types of information. Our study advice Romanian commercial banks to increase prevailing operational risk disclosure proceedings. The contribution of this paper is to highlight the Romanian commercial approaches of the operational risk disclosures.
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.
Primeiro registro de Oligonychus yothersi (McGregor (Acari: Tetranychidae em Eucalyptus grandis Hill ex Maiden no Brasil First record of Oligonychus yothersi (McGregor (Acari: Tetranychidae on Eucalyptus grandis Hill ex Maiden in Brazil
Fabrício Fagundes Pereira
Full Text Available Relata-se a infestação de um ácaro-vermelho em mudas clonais de Eucalyptus grandis Hill ex Maiden, mantidas em casa de vegetação no município de Martinho Campos, Minas Gerais. O ácaro foi observado na parte superior das folhas que exibiam sinais de sucção de seiva e bronzeamento. Essas injúrias causaram desenvolvimento anormal e morte de plantas. O ácaro foi identificado como Oligonychus yothersi (McGregor (Acari: Tetranychidae, e isso representa o primeiro registro dessa espécie em mudas clonais de E. grandis no Brasil.An infestation of the red spider mite was reported in clone seedlings of Eucalyptus grandis Hill ex Maiden under greenhouse conditions, in the municipality of Martinho Campos, Minas Gerais State. The spider mite was found on the leaf upper faces with signs of sap suction and bronzing. Such injuries caused abnormal development and plant death. The spider mite was identified as Oligonychus yothersi (McGregor (Acari: Tetranychidae. This is the first record of O. yothersi on E. grandis seedlings in Brazil.
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...
A major concern in the design of weapons systems is the compatibility of the materials used with each other and with the enclosed environment. Usually these systems require long term storage with a high reliability for proper function at the end of this storage period. Materials selection is then based on both past experience and laboratory accelerated aging experiments to assure this long term reliability. To assist in the task of materials selection a computerized materials compatibility data bank is being established. This data bank will provide a source of annotated information and references to personnel and documents for both the designer and materials engineer to draw on for guidance in materials selection. The data bank storage and information retrieval philosophy will be discussed and procedures for information gathering outlined. Examples of data entries and search routines will be presented to demonstrate the usefulness and versatility of the proposed system
de Vincent-Humphreys, Rupert
As the nation's central bank, the Bank of England is committed to promoting and maintaining monetary and financial stability. Broadly speaking, this means that it sets the interest rate at a level such that the economy should meet the UK government's 2% inflation target in the medium term, and it analyses the financial system to identify and reduce systemic risks to the country's financial infrastructure. The Bank also performs several other critical functions, including managing the approximately £42bn worth of banknotes in circulation and managing the nation's foreign-currency reserves - a multicurrency fund worth some £23bn. As a physicist, I find that I can make a full contribution to this work.
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks. 987.7 Section 987.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.7 Liability of Banks, Finance...
Full Text Available The paper is focused on banking sector in Serbia, particulary on promotional activities of banks in public and on media. The authors of paper tried to find cause and effect relationship between business success and working quality on the one hand and investment in promotion activities of bank on the other hand, like important instrument of bank's business policy realization. Promotional activities appear like successful instrument in order to increase satisfaction of the bank's clients, which effect the increase of successfulness of banks' business.
Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas
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...
The role the World Bank and the Inter-American Development Bank are regarding the climate change problem is, in the same way as the international negotiations, pretty weak compared to the magnitude of the problem. The contradictions within these organizations concerning project financing and policies and strategies to support their clients in a sustainable energy path constitute a clear example of the ambiguities that still surrounds the position of the different countries in respect to the human induced global warming problem. Finally, we can see how the different countries and the new market conditions determine the role these organizations can play regarding the climate change problem
Contaldo, Nicoletta; Bertaccini, Assunta; Nicolaisen, Mogens
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 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...
Aslam, Aqib; Santoro, Emiliano
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...... 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 announcement by the Central Bank of Nigeria (CBN) that “CBN is in talks; in efforts to explore the possible adoption of sukuk (Islamic) bonds for financing the infrastructural requirements in Nigeria” has generated a raging argument forand against the proposal. Basically, Nigeria is a Secular State thus; CBN is not ...
... the Citizens Bank and Trust, both in Jackson, Kentucky, and Farmers Deposit Bank, Middleburg, Kentucky.... Board of Governors of the Federal Reserve System, April 3, 2013. Michael J. Lewandowski, Assistant...
Dr. Irwan Ch
Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.
... may express their views in writing to the Reserve Bank indicated for that notice or to the offices of... American Metro Bancorp, Inc., and thereby indirectly acquire control of American Metro Bank, both in...
Vacacela Ajila, Henry E; Ferreira, João A M; Colares, Felipe; Oliveira, Cleber M; Bernardo, Ana Maria G; Venzon, Madelaine; Pallini, Angelo
Ricoseius loxocheles (De Leon) (Acari: Phytoseiidae) is often found in coffee crops and is known to feed on coffee leaf rust, Hemileia vastatrix Berkeley and Broome (Uredinales). As the occurrence of coffee leaf rust is limited primarily to the rainy season, the mite may use other food sources to survive during the periods of low pathogen prevalence. It is well known that phytoseiid mites can survive on a variety of food sources, such as herbivorous mites, fungi and pollen. We evaluated the ability of R. loxocheles to survive and reproduce on a diet of Brevipalpus phoenicis Geijskes (Acari: Tenuipalpidae), cattail pollen (Typha spp.), clover rust (Puccinia oxalidis), bee pollen (Santa Bárbara ® dehydrated pollen, Santa Bárbara, MG, Brazil) and coffee leaf rust. Ricoseius loxocheles did not survive or reproduce on any B. phoenicis stages tested (egg, larva, adult). The survival and oviposition of R. loxocheles were directly affected by the presence of coffee rust urediniospores, but not by the presence of the prey. Survival and oviposition of the phytoseiid were similar when fed cattail pollen, clover rust and coffee leaf rust but was lower when fed bee pollen. Our results show that R. loxocheles is not a predator of B. phoenicis but it is able to utilize other resources besides coffee leaf rust.
Full Text Available The goal of this study was to evaluate the morphometric variation of laelapine populations (Acari, Mesostigmata associated with neotropical oryzomyine rodents at different geographic localities in Brazil. Three nominal mite species were selected for study, all infesting the pelage of small mammals at different localities in Rio de Janeiro, Espírito Santo, Bahia, and the Federal District, Brazil. To analyse morphometric characteristics, thirty-seven morphological characters distributed across the whole body of each specimen were measured. We use the Analysis of Principal Components, extracting the three first axes and projecting each mite in these axes. Major species level changes in the taxonomy of the host mammals allows an independent examination of morphometric variation of mites infesting a set of distinctly different host species at different geographic localities. Gigantolaelaps vitzthumi and Laelaps differens are associated with oryzomyine rodents of the genus Cerradomys, and consistently showed a tendency to cluster by host phylogeny. Laelaps manguinhosi associated with Nectomys rattus in central Brazil is morphometrically distinct from mites infesting N. squamipes in the coastal restingas of Rio de Janeiro and Espírito Santo. The results obtained here indicate that laelapine mite populations can vary among geographic areas and among phylogenetically related host species. Clearly, the study of these mites at the population level can be an important tool for clarifying the taxonomy of both mites and hosts.
Full Text Available Introduction: By considering an increase in drug resistance against red mites, finding the nonchemical herbal acaricide against Dermanyssus gallinae (De Geer (Acari: Mesostigmata is necessary to kill them and to reduce the chemical resistance against chemical acaricides in this specie. Dermanyssus gallinae is a potential vector of the causal agent of several viral diseases such as Equine encephalitis and St. Louis encephalitis. It can be a vector of bacteria such as Salmonella spp., Mycobacterium spp. and Erysipelothrix rhusiopathiae. It is also known to cause itching dermatosis in humans. In this study acaricidal and repellent activities of essential oil of Eucalyptus globulus against Dermanyssus gallinae were studied. Methods: After extracting the essential oil, different concentrations of the plant extract were prepared. Then, acaricidal effect of different concentrations was tested on poultry red mite, Dermanyssus gallinae, by dropping 3-4 drops of essential oil on mites. Repellent activity of essential oil was tested by Y-tube olfactometer bioassay. After the test, total number of killed and repellent mites reported. Results: Concentration of 1:2 or 50% had more acaricidal effect on mites. Also essential oil of Eucalyptus globulus had repellent activity against red mites. Conclusion: This study showed that essential oil of Eucalyptus globulus had acaricidal and repellent activities against red mites. Hence it might be used as a herbal acaricide against it to kill and to reduce the chemical resistance in this specie.
Full Text Available A synthetic review of the historical systematics of Dermanyssus Dugès, 1834 (Acari: Mesostigmata: Dermanyssidae is provided. The classification at the specific level in this early genus has not really been clarified during more than a century despite its economic impact, and the history of the genus is complex and includes various stages. Moreover, Dermanyssus currently includes 23 species, whereas the last review took only 18 species into account. Changes in the species status and position in the genus Dermanyssus from 1834 until today are presented. The evolution of the generic definition is explored and compared with other genera of the group. How the discrimination between the different species evolved in the genus is also examined. Some difficulties in the specific definitions are discussed. A current diagnosis of the genus Dermanyssus is given. A table of the species included in this genus since its first description along with their respective current positions, a list of the currently included species in Dermanyssus with their hosts, and a world map presenting their geographic distribution are provided.
Full Text Available Objective: To identify the ticks (Acari: Ixodidae of livestock and their seasonal activities, in northwest of Iran, including the combination of two of the geographical regions of Iran (Caspian and mountain plateau where the majority of the domestic ruminants in Iran exist. Methods: Fifteen villages of Meshkin-Shahr County were selected randomly from different areas of the county. The animal dwellings were visited and the whole body of sheep, cows, goats and dogs were examined for their probable infestation. Samples were identified at the level of species according to the standard morphological key. Results: In this study 1 208 specimen were collected and totally nine species (Dermacentor marginatus, Dermacentor niveus, Haemaphysalis erinacei, Haemaphysalis punctata, Hyalomma anatolicum, Hyalomma asiaticum, Hyalomma marginatum, Rhipicephalus bursa and Rhipicephalus sanguineus were identified in this study. Also 569 host including 40 cows, 450 sheep, 70 goats and 9 dogs were examined for infestation and among them 255 were infested which showed a 44% of infestation among examined livestock. The infestation rate among sheep (46% was higher than other hosts. The infestation rates among the rest of hosts were as: cows (40%, goat (37% and dogs (33%. Conclusions: The results of this study and other studies of the region showed the probability of the establishment and development of the burden of several tick-borne diseases.
Lim, Eu Gene; Roh, Hyun Sik; Coudron, Thomas A; Park, Chung Gyoo
Fumigant activity of 34 commercial essential oils was assessed on female adults and eggs of twospotted spider mite, Tetranychus urticae Koch (Acari: Tetranychidae) at three temperatures (5, 15, and 25 degrees C). Common thyme, cinnamon, and lemongrass oils were equally effective on twospotted spider mite adults showing 85.8-100% mortality at 5 and 10 microl/liter air at 25 degrees C. At a lower temperature of 15 degrees C, lemongrass and peppermint resulted in > or =90% mortality of adults at 10 microl/liter air. Only lemongrass was relatively active at 5 microl/liter air, at 15 degrees C. At 5 degrees C, lemongrass and peppermint caused significantly higher adult mortality than controls but only at 10 microl/liter air. Common thyme oil showed the highest ovicidal activity at 5 microl/liter air at 25 degrees C. Among the main components of common thyme and lemongrass oils, citral was lethal to twospotted spider mite adults at all tested temperatures. Carvacrol, thymol, and citral caused the same inhibitory effects on the hatch of twospotted spider mite eggs at 25 degrees C. However, citral was more active than other compounds to twospotted spider mite eggs at 15 degrees C. Therefore, we conclude that citral has the best potential for development as a fumigant against twospotted spider mite on agricultural products harvested late in the growing season.
Gotoh, Tetsuo; Hanawa, Masumi; Shimazaki, Sayaka; Yokoyama, Natsuki; Fu, Chun-Qing; Sugawara, Reo; Yano, Shuichi
Neoseiulus womersleyi (Acari: Phytoseiidae) used to be the dominant species in fruit-tree orchards throughout Japan, but starting in the 1990s, N. womersleyi began to be displaced by Neoseiulus californicus in central and southwestern Japan. The present study was conducted to examine factors explaining the displacement of N. womersleyi by N. californicus. First, we confirmed under laboratory conditions that N. californicus could exclude N. womersleyi if they initially coexisted in a 1:1 ratio. During a 2-h continuous observation period, none of the heterospecific pairs had copulated and after 5 days together with heterospecific males, none of the females had laid eggs. When these females were placed with conspecific males, normal numbers of offspring were produced. Moreover, conspecific matings were not substantially disturbed in the presence of heterospecific males or females. Total fecundity was significantly lower in N. womersleyi than in N. californicus, but their r m values did not differ from each other. On the other hand, the frequency of intraguild predation by N. californicus on N. womersleyi was significantly higher than vice versa. From these results, we concluded that not reproductive interference nor differential female fecundity but asymmetrical intraguild predation seemed to explain the competitive exclusion of N. womersleyi by N. californicus.
Ermilov, Sergey G; Corpuz-Raros, Leonila
Three new species of oribatid mites of the family Galumnidae (Acari, Oribatida), Galumna (Cosmogalumna) vladopesici sp. nov., Carinogalumna philippinensis sp. nov. and Setogalumna luzonica sp. nov., are described from the Philippines. Galumna (Cosmogalumna) vladopesici sp. nov. is most similar morphologically to G. (C.) dongnaiensis Ermilov & Anichkin, 2013, but it differs from the latter by the surface of body, genital and anal plates, and by the number and size of notogastral porose areas. Carinogalumna philippinensis sp. nov. differs from all species of Carinogalumna by the number of notogastral porose areas and structure of lamellar and sublamellar lines. Setogalumna luzonica sp. nov. is most similar morphologically to S. excellens P. Balogh, 1985, but it differs from the latter by the body size, morphology of bothridial setae, anterior notogastral margin and notogastral porose areas Aa, and structure of lamellar and sublamellar lines. The genera Galumna and Carinogalumna are recorded for the first time in Philippines, and the genus Setogalumna in the Oriental region. Identification keys to known species of Galumna (Cosmogalumna) and Setogalumna are given.
Monteiro, Vaneska B; Lima, Debora B; Gondim, Manoel G C; Siqueira, Herbert A A
Aceria guerreronis Keifer (Acari: Eriophyidae) is considered a major pest of the coconut (Cocos nucifera L.), and the use of pesticides is the current method to control it. However, no standard toxicological tests exist to select and assess the efficiency of molecules against the coconut mite. The aim of this study was to develop a methodology that allows for the evaluation of the relative toxicity of acaricides to A. guerreronis through rapid laboratory procedures. We confined A. guerreronis on arenas made out of coconut leaflets and tested two application methods: immersing the leaf fragments in acaricides and spraying acaricides on the leaf fragments under a Potter spray tower. In the latter application method, we sprayed leaf fragments both populated with and devoid of mites. We evaluated the comparative toxicity of two populations (Itamaracá and Petrolina, Pernambuco, Brazil) by spraying on leaflets without mites and submitted the mortality data to probit analysis after 24 h of exposure. No difference was observed in the LC50, regardless of whether the leaflets were immersed or sprayed with acaricide (abamectin, chlorfenapyr or fenpyroximate). The toxicity of chlorfenapyr and fenpyroximate did not differ, irrespective of whether it was applied directly to the leaflet or to the mite; however, the toxicity of abamectin was higher when applied directly to the mite. Chlorpyrifos and abamectin toxicities were lower for the Petrolina population than for the Itamaracá population. Immersing and spraying coconut leaflets can be used to assess the mortality of A. guerreronis under laboratory conditions.
Maria Luiza Medeiros Galvão
Full Text Available Consta do presente trabalho uma análise do quadro de desaceleração socioeconômica da cidade de Acari, causada pelo fim das atividades das agroindústrias algodoeiras. Para a compreensão da cidade, adotamos como metodologia uma abordagem geohistórica, privilegiando, ainda que em breve, a importância do gado e do algodão para origem e expansão, respectivamente do seu sítio urbano. Como discussão teórica, trabalhamos o conceito de cidade, com duplo objetivo: refletir sobre ela como lugar de reprodução do capital e das relações de trabalho; e compreendê-la como lugar da memória e da história. Por fim, discorremos sobre aspectos do cotidiano da cidade, objeto de estudo, na qual coexistem, como pares contraditórios, a crise, deflagrada desde o fechamento das indústrias, e o harmonioso cotidiano, embora anônimo, demonstrado pelos seus moradores. Por ter ocupado posição de destaque no cenário econômico e histórico do Rio Grande do Norte, abordamos a história e memória, para justificar a cidade como espaço de referência.
Umina, Paul A; Hoffmann, Ary A; Weeks, Andrew R
Blue oat mites, Penthaleus spp. (Acari: Penthaleidae), are major agricultural pests in southern Australia and other parts of the world, attacking various pasture, vegetable and crop plants. Management of these mites has been complicated by the recent discovery of three cryptic pest species of Penthaleus, whereas prior research had assumed a single species. The taxonomy, population genetics, ecology, biology and control of the Penthaleus spp. complex are reviewed. Adult Penthaleus have a dark blue-black body approximately 1 mm in length, and eight red-orange legs. Within Australia, they are winter pests completing two or three generations a season, depending on conditions. The summer is passed as diapausing eggs, when long-distance dispersal is thought to occur. The Penthaleus spp. reproduce by thelytokous parthenogenesis, with populations comprising clones that differ ecologically. The three pest Penthaleus spp. differ markedly in their distributions, plant hosts, timing of diapause egg production and response to pesticides, highlighting the need to develop control strategies that consider each species separately. Chemicals are the main weapons used in current control programs, however research continues into alternative more sustainable management options. Host plant resistance, crop rotations, conservation of natural enemies, and improved timing of pesticide application would improve the management of these pests. The most cost-effective and environmentally acceptable means of control will result from the integration of these practices combined with the development of a simple field-based kit to distinguish the different mite species.
Lee, K V; Moon, R D; Burkness, E C; Hutchison, W D; Spivak, M
The parasitic mite Varroa destructor Anderson & Trueman (Acari: Varroidae) is arguably the most detrimental pest of the European-derived honey bee, Apis mellifera L. Unfortunately, beekeepers lack a standardized sampling plan to make informed treatment decisions. Based on data from 31 commercial apiaries, we developed sampling plans for use by beekeepers and researchers to estimate the density of mites in individual colonies or whole apiaries. Beekeepers can estimate a colony's mite density with chosen level of precision by dislodging mites from approximately to 300 adult bees taken from one brood box frame in the colony, and they can extrapolate to mite density on a colony's adults and pupae combined by doubling the number of mites on adults. For sampling whole apiaries, beekeepers can repeat the process in each of n = 8 colonies, regardless of apiary size. Researchers desiring greater precision can estimate mite density in an individual colony by examining three, 300-bee sample units. Extrapolation to density on adults and pupae may require independent estimates of numbers of adults, of pupae, and of their respective mite densities. Researchers can estimate apiary-level mite density by taking one 300-bee sample unit per colony, but should do so from a variable number of colonies, depending on apiary size. These practical sampling plans will allow beekeepers and researchers to quantify mite infestation levels and enhance understanding and management of V. destructor.
Rulison, Eric L.; Kuczaj, Isis; Pang, Genevieve; Hickling, Graham J.; Tsao, Jean I.; Ginsberg, Howard S.
The nymphal stage of the blacklegged tick, Ixodes scapularis (Acari: Ixodidae), is responsible for most transmission of Borrelia burgdorferi, the etiologic agent of Lyme disease, to humans in North America. From 2010 to fall of 2012, we compared two commonly used techniques, flagging and dragging, as sampling methods for nymphal I. scapularis at three sites, each with multiple sampling arrays (grids), in the eastern and central United States. Flagging and dragging collected comparable numbers of nymphs, with no consistent differences between methods. Dragging collected more nymphs than flagging in some samples, but these differences were not consistent among sites or sampling years. The ratio of nymphs collected by flagging vs dragging was not significantly related to shrub density, so habitat type did not have a strong effect on the relative efficacy of these methods. Therefore, although dragging collected more ticks in a few cases, the numbers collected by each method were so variable that neither technique had a clear advantage for sampling nymphal I. scapularis.
Rosilda Mara Mussury
Full Text Available The impact four cultivation systems on the soil fauna was studied, using Oribatida and Gamasida acarids as bioindicators and collembolan. The research was carried out in experimental fields, located in EMBRAPA - CPAO in Dourados, Centerwest of Brazil from July 1997 to December 1999. The constant pasture system presented smaller impact on the soil fauna followed by agricultural cattle rotation and a direct plantation system. In the conventional plantation series, the populational density of the mesofauna organisms was low, especially collembolan families.O impacto de quatro sistemas de cultivo sobre a fauna de solo foram estudados, utilizando-se como bioindicadores os acari Oribatida e Gamasida e os Collembola. A pesquisa foi conduzida em campos experimentais, localizados na EMBRAPA - CPAO no município de Dourados, MS, no período de julho de 1997 à dezembro de 1999. O sistema de pastagem contínua apresentou menor impacto sobre a fauna de solo seguido da rotação agricultura pecuária e do sistema de plantio direto. Nas sucessões do plantio convencional, a densidade populacional dos organismos da mesofauna foi baixa, em especial as famílias de colembolos.
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.
Full Text Available This paper investigated the determinants of the profitability of syaria banking in Indonesia for 2008-2010.The objects were Bank Muamalat, Bank Mega Syariah, Bank BNI Syariah, Bank BRI Syariah, and BankSyariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profitto total asset of the syaria bank. Meanwhile, the independent variabels were Capital Adequacy Ratio (CAR,Finance to deposit Ratio (FDR, Non Performing Finance (NPF, Inflation (INF and Economic Growth (GR.The method used to analyze in this research was panel data. The result of analysis was that CAR variable hadnegative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economicgrowth variable had positive and signficant effect to profitability of syaria banking in Indonesia for 2008-2010. The existence of economic growth effect to banking profitability showed that there was theory of growththat led to finance in Indonesian economy.
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.
... of a family control group which consists of Clayton B. Patrick; Liz S. Patrick; Clayton M. Patrick... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...
... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Johnson Bank as trustee, both of Racine, Wisconsin; to join the existing Johnson Family Control Group and...
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.
İsmail Erkan Çelik
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.
Full Text Available The purpose of this research is to determine the effect of banking service to bank profitability. A dependend variable ratio in this research is internet banking. It is to test the effect of Return on Asset (ROA, Return on Equity (ROE, Operating Expenses towards Operating Income and Performance. Another ratio, that was used as a variable control, is asset. The method of data analysis is binary logistic regression. The object of the research is 68 banks in Indonesia. Those banks are divided into two groups, bank with and without internet banking. The result of this research shows that there is influence on internet banking service to effeciency profitability and different grouping. Finance Manager and Investor should pay attention the effect of ROA, ROE, BOPO and Asset.
Kraevskiy, B.; Makukhina, Ya.
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.
T. Wang (Teng)
markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how
Berk, Jan Marc
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
It has been found that credit is indispensable to an economy, which is why the method of granting itis significant and, in this sense, the function of the bank of financial analyst plays an important rolein orienting resources towards the most efficient placements.
Davidson, C.A.; Foley, J.T.
In an effort to determine the environmental intensities to which shipping containers will be exposed, a ''Data Bank'' of environmental information has been established by Sandia Laboratories, Division 1542, for the ERDA Division of Waste Management and Transportation. This document is an index which can be used to request data of interest. (U.S.)
Full Text Available The New Development Bank BRICS (Brazil, Russia, India, China, South Africa is a financial institution of the countries with the largest market potentials in the globalized world. The official multilateral cooperation of Brazil, Russia, India, China and South Africa is of recent date, and dates back to 2009, or, more precisely, to 2011 when South Africa officially joined this block. The cooperation in the field of economy and industry is the primary motive of the cooperation. In addition to economic and industrial cooperation which covers the widest range of trade, from finance to general business cooperation, within BRICS the cooperation has been also established in the fields of agriculture, science and technology, safety, health policy, protection and insurance, as well as in the field of statistics and the academic community. The highlight of the short-term, five-year cooperation is the establishment of a multilateral financial institution - the New Development Bank BRICS. The bank was founded according to the model of the existing global and regional banks, but without the dominant position among the members.
Larsson, Magnus; Lundholm, Susanne E.
properties are revealed through a detailed analysis of one single work episode, drawn from an ethnographic study of leadership in a bank. Using conversation analysis, the study shows that leadership, understood as an interpersonal influence process, enables and facilitates organizing processes. As expected...
Beck, Thorsten; de Haan, Jakob; Deyoung, Robert
This article provides an introduction to the special issue. We focus on four themes that are important for policymakers and researchers alike in view of the experiences of the global financial crisis of 2007-09 and the ensuing sovereign debt crisis in the euro area: the relevance of the banking
Kassis, Mary Mathewes; Hazlett, Denise; Ygosse Battisti, Jolanda E.
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…
MacCann, Robert G.; Stanley, Gordon
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…
Davidson, C.A.; Foley, J.T.
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
Davidson, C.A.; Foley, J.T.
In an effort to determine the environment intensities to which shipping containers 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
Heggstad, Kari; Fjeldstad, Odd-Helge
Africa is a source of large-scale capital flight. The purpose of this paper is to shed light on how banks facilitate capital flight from Africa. There is growing evidence that subsidiaries of the world’s major banks have been heavily involved in facilitating capital flight and money laundering. Banks and financial institutions therefore are an important piece of the puzzle to better understand the drivers of capital flight from Africa. Banks are also an important component in the development ...
There are increasing scholarly debates on the direction of policy to effectively improve the performance of banks. Some scholars argue that bank performance is enhanced by improvements in the internal organization and managerial efficiency, others argue that industry wide factors are integral to bank performance. In recent times, the direction of literature has shown that macroeconomic factors play a significant role in determining bank profitability. This paper investigates the determinants ...
Buurgaard Nielsen, J.; Pols, D.; Van Gelder, J.W.; Denie, S.; Scheire, C.
This report is the first comparison of the climate change performance of Dutch banks that analyses the actual investments of these banks. It reviews a substantial share of each bank's portfolio, according to three criteria: how much they invest in the main cause of climate change, fossil fuels; how much they invest in the main alternative to fossil fuels, renewable energy; the bank's plans and policies to limit their contribution to climate change
J. DE HAAN
Full Text Available The work examines the relationship between central bank independence and accountability. The authors do this by using an indicator for central bank accountability based on the laws of 16 central banks. Central bank accountability is identified as having three distinct features, namely, the explicit definition and ranking of the objectives of monetary policy, the transparency of the actual monetary policy, and the final responsibility to monetary policy.
Groessl, Ingrid; von Luede, Rolf; Fleck, Jan
Against the background of the ongoing financial crisis the question of the genesis and persistence of trust in banks plays an important role not only for the prevention of bank runs and, related to this, for the regulation of banks, but also with respect to the perspective of customer loyalty of private investors towards their housebanks. Moreover, addressing issues of trust in banks will contribute to a better understanding of how private investors cope with the uncertainties and complexitie...
Harry DeAngelo; René M. Stulz
Liquidity production is a central role of banks. We show that, under idealized conditions, high leverage is optimal for banks when there is a market premium for (socially valuable) liquid financial claims and no deviations from Modigliani and Miller (1958) due to agency problems, deposit insurance, taxes, or any other distortions. Our model can explain (i) why bank leverage increased over the last 150 years or so, (ii) why high bank leverage per se does not necessarily cause systemic risk, an...
Full Text Available European Bank for Reconstruction and Development - EBRD was established in the year 1991 and commenced operations in 1991. The objective of the Bank was to instigate market oriented approach to business in the countries of Central and Eastern Europe. This comprises support offered to structural reforms, privatisation, and development of entrepreneurship and legal system through financing of project conducive to the achievement of the aimed targets. The Bank approves loans both to the nation states and to the private sector. European Bank for Reconstruction and Development often appears in the role of investor. In addition, the Bank has also its consultative function. Owners of the European Bank for Reconstruction and Development are the developed countries and those that participate in the distribution of the Bank's profit. The Bank invests in the countries of Central, Eastern and South-East Europe, but also in those of Central Asia and Southern Mediterranean. The importance that the European Bank for Reconstruction and Development has for our country is best illustrated by the fact that this Bank is our largest institutional investor, with investments exceeding 3.5 billion EUR. This work begins with presentation of general information on the work of the European Bank for Reconstruction and Development, its objectives, activities, background history, ownership and organisational structure. It proceeds by giving relevant data on the Bank's business operations - the manner of project financing, the Bank's funds distribution per geographic criteria and activities, and the operative and financial results of the Bank's business activities. Brief description is also offered of the cooperation that the European Bank has with other international financial institutions. Finally, data is given bearing witness on the importance that the European Bank for Reconstruction and Development has for Serbia.
Trofimov, Ivan D.; Md. Aris, Nazaria; Ying Ying, Jovena Kho
This study aims to examine the relationship between non-performing loans (NPLs) and commercial banks' performance in Malaysia, alongside other factors. It considers the effect of NPLs, cost efficiency and bank size on commercial banks' profitability by using panel data regression (Pooled OLS model), covering the period of 2010-2015. The findings of the study show that NPLs and cost efficiency have a significant negative relationship with commercial banks' performances in Malaysia. On the othe...
Elena Geanina Clipici
Full Text Available The following paper emphasizes the need to deepen the understanding of the notion of banking risk management by explaining the significant risks the bank encounters during financial exercises as well as their additional entries. The study of the paper will focus on UniCredit Bank during the years 2014 and 2015 on all types of risks, in which we will provide comprehensive data on how the UniCredit Bank management applies its risk policies.
Full Text Available Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity. The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.
Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro
We explore the determinants of the number of long-term bank relations of listed Japanese firms using a unique data set covering the period 1982-1999. Having a relation with a top-equity holding bank reduces the number of bank relations, while debt-rich and cash-poor firms have more bank relations.
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...
Deeg, Richard; Donnelly, Shawn
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
... modification, which shall require the Bank to: (i) Conduct market research in the Bank's district; (ii) Describe how the Bank will address identified credit needs and market opportunities in the Bank's district...
We analyze the optimal pricing of government-sponsored bank debt guarantees within the context of an asset substitution framework. We show that the desirability of fair pricing of guarantees depends on the degree of transparency of the banking sector: in relatively opaque banking systems, fair
Morgan, Sandra; And Others
Analyzed career paths of middle managers in bank. Study of matched pairs found that men (n=25) advanced faster and reached middle management through fewer promotions and positions than did women (n=25). Men had significantly more work experience outside of banking. In banking careers, men held more jobs in lending, whereas women occupied more…
Lensink, B.W.; Naaborg, I.
We examine the effect of a rise in foreign ownership on banks' interest revenues and profitability using panel data of banks worldwide. We determine the exact yearly foreign ownership for each bank and construct a continuous foreign ownership variable. Estimating with the system generalized methods
Bos, J. W. B.; Koetter, M.; Kolari, J. W.; Kool, C. J. M.
Bank efficiency estimates often serve as a proxy of managerial skill since they quantify sub-optimal production choices. But such deviations can also be due to omitted systematic differences among banks. In this study, we examine the effects of heterogeneity on bank efficiency scores. We compare
Koetter, M.; Bos, J. W. B.; Heid, F.; Kolari, J. W.; Kool, C. J. M.; Porath, D.
Most bank merger studies do not control for hidden bailouts, which may lead to biased results. In this study we employ a unique data set of approximately 1000 mergers to analyze the determinants of bank mergers. We use undisclosed information on banks' regulatory intervention history to distinguish
Repullo, R.; Suarez, J.
We assess the procyclical effects of bank capital regulation in a dynamic equilibrium model of relationship lending in which banks are unable to access the equity markets every period. Banks anticipate that shocks to their earnings as well as the cyclical position of the economy can impair their
Department of Accounting, Banking & Finance. Delta State University. Asaba Campus. Abstract. This study investigated the impact of automated clearing system on the. Nigerian banking system. Secondary data were mostly sourced through The. Central Bank of Nigeria publications and analyzed using t test statistics,.
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... shareholder who holds an insurance agent's license from agreeing to compensate the bank for the use of its... be credited to an affiliate operating under the Bank Holding Company Act of 1956, 12 U.S.C. 1841 et seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable...
Klomp, J.G.; Haan, de J.
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
Klomp, Jeroen; de Haan, Jakob
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
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de Haan, J.; Amtenbrink, F.; Eijffinger, S.C.W.
This paper starts with a discussion of the various aspects of accountability of central banks. On the basis of this discussion we construct an indicator for accountability for 16 central banks, including the European Central Bank. It is shown that the degree of accountability differs considerably