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Sample records for banks acari tarsonemidae

  1. 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

    Directory of Open Access Journals (Sweden)

    Ozana M. de A. Maia

    2006-09-01

    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.

  2. Indoor winter fumigation with formic acid for control of Acarapis woodi (Acari: Tarsonemidae) and nosema disease, Nosema sp.

    Science.gov (United States)

    Underwood, Robyn M; Currie, Robert W

    2009-10-01

    Indoor fumigation of honey bees, Apis mellifera L., with formic acid to control varroa mites, Varroa destructor Anderson & Trueman, allows simultaneous fumigation of multiple colonies with little labor input and good efficacy. Several experiments were designed to test the efficacy of formic acid as a treatment for honey bee mites, Acarapis woodi (Rennie) (Acari: Tarsonemidae), and nosema disease, Nosema sp., indoors in winter. The objectives of this study were (1) to determine the efficacy of formic acid fumigation for honey bee mite control by using both the thoracic slice and live dissection methods and (2) to determine whether indoor fumigation can reliably prevent the buildup of nosema disease in overwintering honey bee colonies. Indoor winter fumigation of honey bee colonies with formic acid was effective in killing a high percentage of honey bee mites but did not significantly reduce the proportion of bees with infested tracheae over the duration of the experiments. Thus, the method used to determine the efficacy of the treatment affected the results. Under conditions of relatively low or decreasing levels of nosema, fumigation tended to suppress the mean abundance of nosema spores relative to the controls. In three separate fumigation experiments using a range of formic acid concentrations, there was no statistical difference between the buildup or maintenance of nosema spore mean abundance over the winter in bees from formic acid fumigated colonies compared with untreated controls. However, fumigation with formic acid during winter at a low concentration for extended periods significantly suppressed spore buildup of mixed populations of nosema (Nosema apis and Nosema ceranae) in 1 yr. PMID:19886435

  3. Selection and characterization of Beauveria spp. isolates to control the broad mite Polyphagotarsonemus latus (Banks, 1904) (Acari: Tarsonemidae).

    Science.gov (United States)

    Martins, C C; Alves, L F A; Mamprim, A P; Souza, L P A

    2016-01-01

    This study was performed under laboratory conditions to identify isolates of the fungus Beauveria spp. that can control Polyphagotarsonemus latus in the greenhouse and field. Thirty Beauveria spp. isolates were tested by spraying 1 mL conidia (1 × 108 conidia/mL) on pepper leaf discs containing 15 mites. Evaluations were performed on the 3rd and 6th day post application by counting the number of dead mites. Vegetative growth and conidial production were measured from the selected isolates, and bioassays were conducted in the greenhouse on bean seedlings in plastic pots. The isolate Unioeste 53 was selected, and a conidial suspension (1 × 108 conidia/mL) was applied with a backpack sprayer. The evaluation consisted of pre- and post-treatment counts of the number of live mites on ten leaflets in both the plots treated with the fungus and control plots, and the same procedure was followed for the field experiment. In the laboratory, the Unioeste 53 isolate resulted in total and confirmed mortality rates of 70% and 57.7%, respectively. In the greenhouse, the population decreased by 76.71% by the 16th day after application. In the field, the population decreased by 66% by the 12th day after application, demonstrating the potential of this fungus for mite management. PMID:27332672

  4. Development of Iphiseiodes quadripilis (Banks) (Acari: Phytoseiidae) on pollen or mite diets and predation on Aculops pelekassi (Keifer) (Acari: Eriophyidae) in the laboratory.

    Science.gov (United States)

    Villanueva, Raul T; Childers, Carl C

    2007-02-01

    Development and reproduction of Iphiseiodes quadripilis (Banks) were evaluated on single food diets of pollen (Malephora crocea Jacquin [ice plant] or Quercus sp. [oak]), spider mites, [Eutetranychus banksi (McGregor) or Panonychus citri (McGregor) (Acari: Tetranychidae)], or the citrus rust mite Phyllocoptruta oleivora (Ashmead) (Acari: Eriophyidae). Experiments were conducted in an environmental chamber at 28 degrees +/- 1 degrees C, 14:10 (L:D) daylength, and 45% RH. I. quadripilis completed development and laid viable eggs that subsequently hatched on diets of either ice plant or oak pollen or eggs and motile stages of E. banksi. P. citri was acceptable as prey, but survival of larvae to adults was only 36%, whereas survival on E. banksi, ice plant pollen, and oak pollen was 48, 60, and 68%, respectively. The webbing produced by P. citri seemed to inhibit foraging behavior of I. quadripilis larvae and nymphs. Larvae of I. quadripilis developed only to the second nymphal instar on a diet of P. oleivora alone or water alone. Starved I. quadripilis females and deutonymphs were observed preying on the pink citrus rust mite, Aculops pelekassi (Keifer) (Eriophyidae). During 4-min observation trials, two series of I. quadripilis fed on 1.8 +/- 0.47 and 3.5 +/- 0.45 A. pelekassi motile stages after being starved for 6 and 24 h, respectively. I. quadripilis females did not prey on P. oleivora in arenas containing both rust mite species. PMID:17349110

  5. New species of Daidalotarsonemus and Excelsotarsonemus (Acari: Tarsonemidae) from the Brazilian rainforest including new morphological characters

    Science.gov (United States)

    Three new species, Daidalotarsonemus oliveirai Rezende, Lofego & Ochoa, sp. nov.,Excelsotarsonemus caravelis Rezende, Lofego & Ochoa, sp. nov. and E. tupi Rezende, Lofego & Ochoa, sp. nov. are described and illustrated. Measurements for these species are provided, as well as drawings, phase contrast...

  6. Evaluación de estrategias de manejo biológico y acaricidas biorracionales en el control de los ácaros Phyllocoptruta oleivora (Ashmead) (Acari: Eriophyidae) Y Polyphagotarsonemus latus (Banks) (Acari: Tarsonemidae) causales del manchado de frutos en naranja valencia

    OpenAIRE

    Imbachi López, Karol

    2012-01-01

    En la zona Sur Occidental de Colombia, los ácaros P. Latus y P. oleivora, son los responsables de la deformación y el manchado en frutos de naranja Valencia. Con el interés de evaluar el efecto de acaricidas biorracionales sobre estas plagas, se desarrolló este trabajo en un cultivo en producción, en Caicedonia, Valle del Cauca, bajo un diseño de bloques completos al azar con cuatro repeticiones y los tratamientos: abamectina (1.5 cc/l); Paecilomyces fumosoroseus (de 2 cc/l); aceite agrícola ...

  7. Field evaluation of neem and canola oil for the selective control of the honey bee (Hymenoptera: Apidae) mite parasites Varroa jacobsoni (Acari: Varroidae) and Acarapis woodi (Acari: Tarsonemidae).

    Science.gov (United States)

    Melathopoulos, A P; Winston, M L; Whittington, R; Higo, H; Le Doux, M

    2000-06-01

    Neem oil, neem extract (neem-aza), and canola oil were evaluated for the management of the honey bee mite parasites Varroa jacobsoni (Oudemans) and Acarapis woodi (Rennie) in field experiments. Spraying neem oil on bees was more effective at controlling V. jacobsoni than feeding oil in a sucrose-based matrix (patty), feeding neem-aza in syrup, or spraying canola oil. Neem oil sprays also protected susceptible bees from A. woodi infestation. Only neem oil provided V. jacobsoni control comparable to the known varroacide formic acid, but it was not as effective as the synthetic product Apistan (tau-fluvalinate). Neem oil was effective only when sprayed six times at 4-d intervals and not when applied three times at 8-d intervals. Neem oil spray treatments had no effect on adult honey bee populations, but treatments reduced the amount of sealed brood in colonies by 50% and caused queen loss at higher doses. Taken together, the results suggest that neem and canola oil show some promise for managing honey bee parasitic mites, but the negative effects of treatments to colonies and the lower efficacy against V. jacobsoni compared with synthetic acaricides may limit their usefulness to beekeepers. PMID:10902299

  8. Uropodina species from Vietnam (Acari: Mesostigmata)

    Czech Academy of Sciences Publication Activity Database

    Kontschán, J.; Starý, Josef

    -, č. 2807 (2011), s. 1-28. ISSN 1175-5326 Institutional research plan: CEZ:AV0Z60660521 Keywords : Acari * Uropodina * new species Subject RIV: EH - Ecology, Behaviour Impact factor: 0.927, year: 2011

  9. The complete mitochondrial genome of Tetranychus truncatus Ehara (Acari: Tetranychidae).

    Science.gov (United States)

    Chen, Da-Song; Jin, Peng-Yu; Hong, Xiao-Yue

    2016-01-01

    The complete mitochondrial genome of Tetranychus truncatus Ehara (Acari: Tetranychidae) is a typical circular DNA with length of 13,089 bp (GenBank accession number: KM111296). The genome contains all 13 protein-coding genes (PCGs), an A + T-rich region, two rRNA genes and 22 tRNA genes. The A + T content of the mitochondrial genome is 84.5%. The AT-skew is positive (0.032) while the GC-skew is negative (-0.058). The gene arrangement is conserved in T. urticae, Panonychus citri and P. ulmi which are in the same family (Tetranychidae). The A + T-rich region is only 43 bp in length with high A + T content (97.7%). All the PCGs start with typical ATD codons. Eight PCGs have complete TAA stop codons, while five PCGs have an incomplete stop codon (T). PMID:25162745

  10. Comparative laboratory toxicity of neem pesticides to honey bees (Hymenoptera: Apidae), their mite parasites Varroa jacobsoni (Acari: Varroidae) and Acarapis woodi (Acari: Tarsonemidae), and brood pathogens Paenibacillus larvae and Ascophaera apis.

    Science.gov (United States)

    Melathopoulos, A P; Winston, M L; Whittington, R; Smith, T; Lindberg, C; Mukai, A; Moore, M

    2000-04-01

    Laboratory bioassays were conducted to evaluate neem oil and neem extract for the management of key honey bee (Apis mellifera L.) pests. Neem pesticides inhibited the growth of Paenibacillus larvae (Ash, Priest & Collins) in vitro but had no effect on the growth of Ascophaera apis (Olive & Spiltoir). Azadirachtin-rich extract (neem-aza) was 10 times more potent than crude neem oil (neem oil) against P. larvae suggesting that azadirachtin is a main antibiotic component in neem. Neem-aza, however, was ineffective at controlling the honey bee mite parasites Varroa jacobsoni (Ouduemans) and Acarapis woodi (Rennie). Honey bees also were deterred from feeding on sucrose syrup containing > 0.01 mg/ml of neem-aza. However, neem oil applied topically to infested bees in the laboratory proved highly effective against both mite species. Approximately 50-90% V. jacobsoni mortality was observed 48 h after treatment with associated bee mortality lower than 10%. Although topically applied neem oil did not result in direct A. woodi mortality, it offered significant protection of bees from infestation by A. woodi. Other vegetable and petroleum-based oils also offered selective control of honey bee mites, suggesting neem oil has both a physical and a toxicological mode of action. Although oils are not as selective as the V. jacobsoni acaricide tau-fluvalinate, they nonetheless hold promise for the simultaneous management of several honey bee pests. PMID:10826163

  11. Pyrethroid resistance in Phytoseiulus macropilis (Acari: Phytoseiidae): cross-resistance, stability and effect of synergists.

    Science.gov (United States)

    Queiroz, Maria Cristina Vitelli; Sato, Mario Eidi

    2016-01-01

    Phytoseiulus macropilis Banks (Acari: Phytoseiidae) is an effective predator of Tetranychus urticae Koch (Acari: Tetranychidae). The objectives of this research were to study the stability of fenpropathrin resistance and the cross-resistance relationships with different pyrethroids, and also to evaluate the effect of synergists [piperonyl butoxide (PBO), diethyl maleate (DEM) and S,S,S-tributyl phosphorotrithioate (DEF)] on fenpropathrin resistant and susceptible strains of this predaceous mite. The stability of fenpropathrin resistance was studied under laboratory conditions, using P. macropilis populations with initial frequencies of 75 and 50% of resistant mites. The percentages of fenpropathrin resistant mites were evaluated monthly for a period of up to 12 months. A trend toward decreased resistance frequencies was observed only during the first 3-4 months. After this initial decrease, the fenpropathrin resistance was shown to be stable, maintaining constant resistance frequencies (around 30%) until the end of the evaluation period. Toxicity tests carried out using fenpropathrin resistant and susceptible strains of P. macropilis indicated strong positive cross-resistance between fenpropathrin and the pyrethroids bifenthrin and deltamethrin. Bioassays with the synergists DEM, DEF and PBO were also performed. The maximum synergism ratio (SR = LC50 without synergist/LC50 with synergist) detected for the three evaluated synergists (PBO, DEM, DEF) was 5.86 (for DEF), indicating low influence of enzyme detoxification processes in fenpropathrin resistance. PMID:26530989

  12. New Oppioidea taxa from Madagascar (Acari: Oribatida

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    Mahunka, S.

    2012-07-01

    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.

  13. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  14. Islamic Banking

    OpenAIRE

    BLÁHA, Jakub

    2014-01-01

    The aim of this bachelor thesis is to introduce the Islamic banking. Describing historical and religious background of Islam, the Islamic banking and Shari'ah law. Then presenting financing techniques used in the Islamic banking. Eventually describing and analysing the Islamic banking in Malaysia. Comparison between the Islamic banking and the conventional banking is given throughout the bachelor thesis.

  15. Retail Banking

    OpenAIRE

    Adam Szafarczyk

    2008-01-01

    The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one – trends, especially household deposits and credits and last – retail banking in particular banks.

  16. Internet Banking

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    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  17. Two new Uropodina species from Ethiopia (Acari: Mesostigmata)

    Czech Academy of Sciences Publication Activity Database

    Kontschán, J.; Starý, Josef

    2013-01-01

    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

  18. New Uropodina species and records from Malaysia (Acari: Mesostigmata)

    Czech Academy of Sciences Publication Activity Database

    Kontschán, J.; Starý, Josef

    2012-01-01

    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

  19. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  20. Neoseiulus fallacis (Garman) (Acari: Phytoseiidae) as a potential biological control agent for spider mites (Acari: Tetranychidae) in Virginia vineyards

    OpenAIRE

    Metzger, Jessica A.

    2001-01-01

    Outbreaks of spider mites (Acari: Tetranychidae) in vineyards have been increasing with the expansion of the industry in Virginia. Only three effective acaricides are registered on grapes and as resistance begins to occur, control options are limited. Biological control of spider mites by inoculative or inundative releases of predatory mites has been tried on a wide range of crops including grapes. This project examined the feasibility of using Neoseiulus fallacis (Acari: Phytoseiidae) as ...

  1. Shadow banking

    OpenAIRE

    Pozsar, Zoltan; Adrian,Tobias; Ashcraft, Adam; Boesky, Hayley

    2010-01-01

    The rapid growth of the market-based financial system since the mid-1980s changed the nature of financial intermediation in the United States profoundly. Within the market-based financial system, "shadow banks" are particularly important institutions. Shadow banks are financial intermediaries that conduct maturity, credit, and liquidity transformation without access to central bank liquidity or public sector credit guarantees. Examples of shadow banks include finance companies, asset-backed c...

  2. Investment banks

    OpenAIRE

    Lejot, P

    2013-01-01

    Investment banking is a generic term for transactional activities involving financial intermediation conducted through open markets. It was long associated with a legal demarcation in the US and Japan that separated banks that made loans and took deposits from those that traded in securities, but now denotes risk-based activities in banks of any kind. This paper explains investment banking practices in terms of reputational capital, and contrasts the transactional skills and innovation found ...

  3. Biological aspects of Tetranychus marianae McGregor (Acari, Tetranychidae reared on yellow passion fruit (Passiflora edulis Sims f. flavicarpa Deg. leaves Aspectos biológicos de Tetranychus marianae McGregor (Acari, Tetranychidae sobre folhas de maracujazeiro (Passiflora edulis Sims. f. flavicarpa Deg.

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    Aloyséia C. da S. Noronha

    2006-06-01

    Full Text Available The passion fruit plant is a host for several different phytophagous mites, mainly those belonging to the Tarsonemidae, Tenuipalpidae and Tetranychidae families. Among the Tetranychidae species are Tetranychus mexicanus (McGregor, 1950 and Tetranychus desertorum Banks, 1900. The occurrence of Tetranychus marianae McGregor, 1950 was detected on yellow passion fruit Passiflora edulis Sims f. flavicarpa Degener plants under field and greenhouse conditions at the headquarters of Embrapa Cassava & Fruits Tropical Research in Cruz das Almas County, State of Bahia, Northeast Brazil. Prior records of T. marianae on the passion fruit crop in Brazil as well as the biological aspects of this species are unknown. The study on the biology of T. marianae on P. edulis f. flavicarpa was carried out under controlled environmental condition of 25 ± 1ºC temperature, 80 ± 10% RH and 12 hours photophase. The egg to adult time span lasted 10.73 ± 0.18 days, with a 92% survival figure. The sexual ratio was 81% females. The mean female longevity was 24.53 days and the daily mean oviposition was 3.69 eggs/female. The intrinsic rate of increase (r m was 0.172; the finite rate of increase (l was 1.187 individuals/female/day; the mean time span of one generation (T was 22.81 days; and the net rate of reproduction (Ro was 50.14.A cultura do maracujazeiro é hospedeira de ácaros fitófagos pertencentes principalmente às famílias Tarsonemidae, Tenuipalpidae e Tetranychidae. Dentre as espécies de tetraniquídeos encontram-se Tetranychus mexicanus (McGregor, 1950 e Tetranychus desertorum Banks, 1900. A ocorrência de Tetranychus marianae McGregor, 1950 foi verificada em plantas de maracujá amarelo Passiflora edulis Sims. f. flavicarpa Degener, em condições de campo e casa de vegetação, na sede da Embrapa Mandioca e Fruticultura Tropical, em Cruz das Almas, BA. O registro de T. marianae na cultura do maracujá no Brasil, assim como os aspectos biológicos dessa esp

  4. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  5. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  6. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  7. A new species of Brevipalpus Donnadieu (Acari: Tenuipalpidae) and key to the Egyptian species.

    Science.gov (United States)

    Halawa, Alaa M; Fawzy, Magdy M

    2014-01-01

    A new species, Brevipalpus noranae sp. nov. (Acari: Tenuipalpidae) is described and illustrated from females collected on Malus domestica Borkh and Citrus aurantium L. A key to the species of the genus Brevipalpus present in Egypt is provided. PMID:24869810

  8. Three new .i.Trachyuropoda./i. (Acari: Uropodina: Trachyuropodidae) species from the Neotropical region

    Czech Academy of Sciences Publication Activity Database

    Kontschán, J.; Starý, Josef

    2013-01-01

    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

  9. Temperature-dependent development and reproductive traits of Tetranychus macfarlanei (Acari: Tetranychidae)

    DEFF Research Database (Denmark)

    Ullah, Mohammad Shaef; Haque, Md. Ahsanul; Nachman, Gösta;

    2012-01-01

    Development and reproductive traits of Tetranychus macfarlanei Baker & Pritchard (Acari: Tetranychidae) were investigated on kidney bean, Phaseolus vulgaris L., at eleven constant temperatures. Tetranychus macfarlanei was able to develop and complete its life cycle at temperatures ranging from 17...

  10. Primeiro registro de Tetranychus urticae (Acari: Tetranychidae) em mudas de teca no Brasil

    OpenAIRE

    Alexandre dos Santos; Vagner Aniceto Teixeira; Otávio Peres Filho; Milson Evaldo Serafin; Marçal Pedro Neto; Carlos Alberto da Cunha Oliveira

    2014-01-01

    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.

  11. Shadow banking

    OpenAIRE

    Rahm, Jiří

    2013-01-01

    In my bachelor paper I focus on the issue of shadow banking. The paper is theoretically oriented. Its main goal is to provide overview on the shadow banking system. The text is divided into four parts. The first part includes the definition of shadow banking and the description of its characteristics. The credit intermediation in shadow banking and the process of securitization is explained in the second part. The third part is aimed at mapping of situation in the area of implementation of re...

  12. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  13. BANK GUARANTEES

    Directory of Open Access Journals (Sweden)

    VASILE NEMES

    2012-05-01

    Full Text Available 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 financial - banking commitments with various practical issues which are occurred by the use of those. From the legal point of view, the bank guarantees are not under an own legal regulation and are based on the common law, used in the guarantees domain. Through the new aspects of the actual Civil Code it are the legal regulation of the letter of bank guarantee and of the comfort letter, which shall constitute the main regulation in the negotiation and conclusion of a letter of bank guarantee or a bank comfort letter. For the legal reports with foreign elements, the parties can also use the Uniform Rules regarding the Guarantees at Request (URGR Publish no.758/2010.

  14. Eupalopsellus prasadi Bagheri and Khanjani 2009 (Acari: Prostigmata, Eupalopsellidae), a New record for the Turkish acaro fauna

    OpenAIRE

    KASAP, İsmail; Çobanoğlu, Sultan; PEHLİVAN, SERKAN; KÖK, Şahin

    2013-01-01

    Females of Eupalopsellus prasadi Bagheri and Khanjani 2009, (Acari: Eupalopsellidae) were collected from the colony of Tetranychus urticae Koch (Acari: Tetranychidae) which are harmful on grown apple trees (Malus domestica Borkh. (Rosaceae)) in Bigalı village at Eceabat, Çanakkale. This is a new record for the Turkish fauna.

  15. Eriophyoid mites from Northeast China (Acari: Eriophyoidea).

    Science.gov (United States)

    Xue, Xiao-Feng; Guo, Jing-Feng; Hong, Xiao-Yue

    2013-01-01

    We describe and illustrate herein one new genus and eighteen new eriophyoid mite species (Acari: Eriophyoidea) collected in northeast China. They are: Shevtchenkella huzhongiensis sp. nov. on Ulmus davidiana Planch. var. japonica (Sarg. ex Rehder) Nakai (Ulmaceae), Shevtchenkella jingboicus sp. nov. on Acer sp. (Aceraceae), Calepitrimerus flexuosus sp. nov. on Spiraea flexuosa Fisch. ex Cambess. (Rosaceae), Calepitrimerus maximowiczii sp. nov. on Crataegus maximowiczii Schneid. (Rosaceae), Calepitrimerus pilosus sp. nov. on Agrimonia pilosa Ledeb. (Rosaceae), Calepitrimerus yichunensis sp. nov. on Sorbaria sorbifolia (L.) A.Br. (Rosaceae), Cupacarus oxyphyllus sp. nov. on Euonymus oxyphyllus Miq. (Cel-astraceae), Epitrimerus sambucus sp. nov. on Sambucus williamsii Hance (Caprifoliaceae), Epitrimerus wuyingensis sp. nov. on Acer sp. (Aceraceae), Longisolenidionus amurensis gen. nov & sp. nov. on Tilia amurensis Rupr. (Tiliaceae), Phyllocoptes jiagedaqiensis sp. nov. on Cunninghamia sp. (Taxodiaceae), Aculops huzhongensis sp. nov. on Salix sp. (Sali-caceae), Aculus huzhongsalixus sp. nov. on Salix sp. (Salicaceae), Tetra angelica sp. nov. on Angelica sp. (Apiaceae), Tetra jiagedaqia sp. nov. on Lespedeza sp. (Fabaceae), Vittacus mandshurica sp. nov. on Corylus sieboldiana Blume var. mandshurica (Maxim.) C. K. Schneid. (Betulaceae), Vittacus cannabus sp. nov. on Cannabis sativa L. (Moraceae), and Peralox dentatis sp. nov. on Ulmus sp. (Ulmaceae). Two species formerly assigned to Rhyncaphytoptus, R. abiesis (Xue, Song & Hong, 2006) and R. fabris (Xue, Song & Hong, 2006) were reassigned to Nalepella, based on the presence of seta vi on the apical shield, and other characteristics of Nalepella. One species formerly assigned to Rhyncaphytoptus, R. fargesis (Xue, Song & Hong, 2006) was reassigned to Pentaporca, based on the presence of seta vi on the apical shield, opisthosoma with five ridges and other characteristics of Pentaporca. At the same time, four new eriophyoid

  16. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  17. BANK GUARANTEES

    OpenAIRE

    VASILE NEMES

    2012-01-01

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

  18. Mites and ticks (Acari. Chapter 7.4

    Directory of Open Access Journals (Sweden)

    Maria Navajas

    2010-07-01

    Full Text Available The inventory of the alien Acari of Europe includes 96 species alien to Europe and 5 cryptogenic species. Among the alien species, 87 are mites and 9 tick species. Besides ticks which are obligate ectoparasites, 14 mite species belong to the parasitic/predator regime. Among these species, some invaded Europe with rodents (8 spp. and others are parasitic to birds (2 spp. The remaining 77 mite species are all phytophagous and among these 40% belong to the Eriophyidae (37 spp. and 29% to the Tetranychidae (27 spp. families. These two families include the most significant agricultural pest. The rate of introductions has exponentially increased within the 20th century, the amplification of plant trade and agricultural commodities movements being the major invasion pathways. Most of the alien mite species (52% are from North America, Asia (25%, and Central and South America (10%. Half of the ticks (4 spp. alien to Europe originated from Africa. Most of the mite species are inconspicuous and data regarding invasive species and distribution range is only partially available. More research is needed for a better understanding of the ecological and economic effects of introduced Acari.

  19. The Bank of England Bank Liabilities Survey

    OpenAIRE

    Bell, Venetia; Butt, Nick; Talbot, James

    2013-01-01

    In order to improve understanding of the role of bank liabilities in driving credit and monetary conditions, the Bank of England began conducting a formal Bank Liabilities Survey last year. This survey is intended to supplement the data collected on the asset side of bank balance sheets by the Bank of England’s quarterly survey of credit conditions, which was introduced in 2007. The first results of the Bank Liabilities Survey will be published on 26 March. This article introduces the survey.

  20. Lithuania : Banking System Assessment

    OpenAIRE

    World Bank

    2009-01-01

    The Bank of Lithuania (BoL), the Central Bank, was established in 1990. BoL has the exclusive right to grant and revoke licenses to local and foreign banks and to supervise their activities. Private commercial banking boomed from 1991 to 1994 while bank regulation was lax. In late 1995, a bank crisis caused failures of most of the Lithuanian banks, and the remaining banks resulted in better ...

  1. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  2. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  3. The complete mitochondrial genome of the scab mite Psoroptes cuniculi (Arthropoda: Arachnida) provides insights into Acari phylogeny

    OpenAIRE

    Gu, Xiao-Bin; Liu, Guo-Hua; Song, Hui-Qun; Liu, Tian-Yu; Yang, Guang-You; Zhu, Xing-Quan

    2014-01-01

    Background Limited available sequence information has greatly impeded population genetics, phylogenetics and systematics studies in the subclass Acari (mites and ticks). Mitochondrial (mt) DNA is well known to provide genetic markers for investigations in these areas, but complete mt genomic data have been lacking for many Acari species. Herein, we present the complete mt genome of the scab mite Psoroptes cuniculi. Methods P. cuniculi was collected from a naturally infected New Zealand white ...

  4. Ist die Bank der Zukunft eine Bank?

    OpenAIRE

    Spremann, Klaus

    1997-01-01

    Ist die Bank der Zukunft noch eine Bank? Ist sie noch eine Bank mit Menschen, oder wird die virtuelle Bank das Modell der Zukunft sein? Haben die Filialen noch eine Chance, oder werden künftig alle Bankgeschäfte über Computer abgewickelt? Umfragen unter Kreditinstituten bestätigen, dass die gegenwärtig drängendste Frage ist, auf welchem Weg die Bank und der Mensch zusammenkommen.

  5. Banking Efficiency in European Banking

    OpenAIRE

    Michaelidou, Vasiliki

    2012-01-01

    This research aims to unveil whether the tremendous banking sector reforms within the dynamic nature of the EU economic environment have achieved one of the catalyst EU goals, increase financial institutions’ cost efficiency. Using a single stage stochastic frontier approach, cost efficiency of the enlarged EU is estimated and evaluated for the period 2005-2011. The results suggest that EU pursuits have been successful but that stronger controls are needed.

  6. A new pomegranate pest for Turkey; Pomegranate false spidermite, Tenuipalpus punicae Pirtchard and Baker (Acari: Tenuipalpidae)

    OpenAIRE

    DÖKER, İsmail; KAZAK, Cengiz; KARUT, Kamil

    2013-01-01

    In this study, the pomegranate false spider mite Tenuipalpus punicae Pirtchard and Baker (Acari: Tenuipalpidae) collected from pomegranate growing areas of Adana province is determined for the first record for Turkish mite fauna. Some information related to world distribution, damage, biology and control of this pest are presented in the paper.

  7. Stigmaeus ceylani, a new species of the genus Stigmaeus Koch (Acari: Stigmaeidae) from Turkey

    OpenAIRE

    Uluçay, İsmail

    2015-01-01

    In this study a new species of Stigmaeus Koch (Acari: Stigmaeidae), Stigmaeus ceylani sp. nov., is described and illustrated. Specimens have been collected from the soil and litter under Punica granatum, 2014, İskenderun, Hatay, Turkey. Besides, the male, female, deutonymph, protonymph and larva of the species are illustrated in this article.  

  8. Investigations of Gamasina mites in natural and man-affected soils in Latvia (Acari: Mesostigmata)

    NARCIS (Netherlands)

    Salmane, I.

    2003-01-01

    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 1

  9. Recharacterization of Gymnodamaeoidea and erection of Plateremaeoidea (Acari, Oribatei), with key to families and genera

    OpenAIRE

    Adilson D. Paschoal

    1989-01-01

    The present paper deals with the recharacterization of the Gymnodamaeoidea and the erection of Plateremaeoidea n. grad. (Acari, Oribatei). Gymnodamaeidae Grandjean, Aleurodamaeidae Paschoal & Johnston, and Idiodamaeidae Paschoal are recognised under the Gymnodamaeoidea. Plateremaeidae Tragardh, Pheroliodidae Paschoal, Nooliodidae Paschoal, Hammeriellidae Paschoal, Lyrifissellidae Paschoal, Pedrocortesellidae Paschoal, Licnodamaeidae Grandjean and Licnobelbidae Grandjean are included in Plater...

  10. Primeiro registro de Tetranychus urticae (Acari: Tetranychidae em mudas de teca no Brasil

    Directory of Open Access Journals (Sweden)

    Alexandre dos Santos

    2014-07-01

    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.

  11. Garrapatas (Acari: Ixodidae) asociadas a perros en diferentes ambientes de la provincia de Corrientes, Argentina Ticks (Acari: Ixodidae) of dogs in different environments of the Corrientes Province, Argentina

    OpenAIRE

    V.N. Debárbora; E.B. Oscherov; A.A. Guglielmone; Nava, S.

    2011-01-01

    Se estudiaron las garrapatas (Acari: Ixodidae) de perros en ambientes urbanos, periurbanos y rurales de la provincia de Corrientes por medio de colecciones mensuales durante un año en siete sitios diferentes. De los 138 perros examinados, en 87 (63,04%) se determinaron tres especies de garrapatas: Amblyomma tigrinum (n=35), Amblyomma ovale (n=2) y Rhipicephalus sanguineus sensu lato (n=523). Las mayores prevalencias para A. tigrinum y R. sanguineus s.l. fueron halladas en ambientes rurales. E...

  12. Five New Records of Raphignathoid Mites (Acari: Raphignathoidea from Poland/ Pięć Nowych Gatunków Roztoczy Z Nadrodziny Raphignathoidea (Acari Stwierdzonych W Faunie Polski

    Directory of Open Access Journals (Sweden)

    Doðan Salih

    2014-12-01

    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.

  13. Banking reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

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

  14. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  15. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  16. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  17. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

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

    OpenAIRE

    Ross Levine

    2003-01-01

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

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

    OpenAIRE

    Aditya Wardhana

    2015-01-01

    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 ...

  20. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure...

  1. What is Shadow Banking?

    OpenAIRE

    Stijn Claessens; Lev Ratnovski

    2014-01-01

    There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow banking as “all financial activities, except traditional banking, which require a private or public backstop to operateâ€. Backstops can come in the form of franchise value of a bank or insurance c...

  2. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 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...

  3. Molecular analysis of Boophilus spp. (Acari: Ixodidae) tick strains.

    Science.gov (United States)

    Fuente, J; García-García, J C; González, D M; Izquierdo, G; Ochagavia, M E

    2000-10-01

    Boophilus spp. (Acari: Ixodidae) parasitize cattle and other farm and wild animals in tropical and subtropical regions of the world. Ticks belonging to the genus Boophilus have undergone evolutionary processes associated with habitat adaptation following biogeographical separation, resulting in strains with marked morphological differences. We have characterized at the molecular level B. microplus strains from Latin America and Australia, employing sequences derived from the bm86 coding region, an intron located within the bm86 gene, and DNA short tandem repeats (STR). A B. annulatus strain was employed for comparison. The results indicated that variation within the bm86 coding region is higher between B. microplus strains than between some B. microplus strains and B. annulatus. The sequence of the intron was not informative for phylogenetic analysis, varying among individuals of the same strain. Two STRs were identified in B. microplus (STRs BmM1 and BmM2) and one in B. annulatus (STR Ba1). Southern hybridization experiments with STRs BmM1 and BmM2 as a probe revealed the prevalence of dispersed moderately repeated DNA in the genome of B. microplus. The analysis of polymorphism at STR locus BmM1 evidenced differences within and between populations of B. microplus. These results support at the molecular level the existing differences between B. microplus strains and suggest tools to characterize these populations. PMID:10962158

  4. New Wolbachia supergroups detected in quill mites (Acari: Syringophilidae).

    Science.gov (United States)

    Glowska, Eliza; Dragun-Damian, Anna; Dabert, Miroslawa; Gerth, Michael

    2015-03-01

    Wolbachia is the most abundant intracellular bacterial genus infecting a wide range of arthropods and filarial nematodes. Wolbachia have evolved parasitic, mutualistic and commensal relationships with their hosts but in arthropods generally act as reproductive parasites, inducing a wide range of phenotypic effects such as cytoplasmic incompatibility, parthenogenesis, feminization and male-killing. Up to now, the genus has been divided into 14 supergroups successively named A-O. Here, we describe two new Wolbachia supergroups from syringophilid mites (Acari: Cheyletoidea). These obligatory ectoparasites of birds inhabit the quills of feathers in many avian groups. The species of this family reproduce in a haplodiploid mode sensu arrhenotoky and are usually strongly female-biased. Based on the sequences of four protein-coding genes (ftsZ, gltA and groEL and coxA) and the 16S rRNA we identified strains of three Wolbachia supergroups (F and two distinct, yet undescribed ones) in five quill mite species. Our results suggest that in some cases the distribution of the bacteria can be better correlated with the mite's bird host rather than with mite taxonomy as such. The discovery of two new Wolbachia supergroups not only broadens the knowledge of the diversity of this bacterium but also raises questions about potential effects induced in quill mites and transmission mechanisms of the endosymbionts in this peculiar bacteria-quill mite-bird system. PMID:25541519

  5. Oman; Banking Sector Resilience

    OpenAIRE

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

    This note assesses the impact of the global financial risks on Oman's banking system and highlights the remaining risks. It concludes that the liquidity and prudential measures introduced by the authorities mitigated the adverse effects of the crisis on the banking system. Banks continue to make profits despite higher provisioning. Stress tests confirm the resilience of the banking system to credit and market risks. Banks have limited exposure to derivatives and the majority of the off-balanc...

  6. The Chinese Banking System

    OpenAIRE

    Grant Turner; Nicholas Tan; Dena Sadeghian

    2012-01-01

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

  7. Essays on banking

    OpenAIRE

    Tumer-Alkan, G.

    2008-01-01

    The banking literature documents various roles for banks in financial systems. Banks are both ‘liquidity providers’ and ‘information producers’. Banks are especially important for small and medium-size enterprises and represent these firms' principal source of external finance. Hence, the banks’ role is relevant for the smooth functioning and growth of an economy as well. Moreover, when banks and firms enter into a relationship, they are able to overcome problems of asymmetric information and...

  8. Shadow bank monitoring

    OpenAIRE

    Adrian,Tobias; Adam B. Ashcraft; Cetorelli, Nicola

    2013-01-01

    We provide a framework for monitoring the shadow banking system. The shadow banking system consists of a web of specialized financial institutions that conduct credit, maturity, and liquidity transformation without direct, explicit access to public backstops. The lack of such access to sources of government liquidity and credit backstops makes shadow banks inherently fragile. Shadow banking activities are often intertwined with core regulated institutions such as bank holding companies, secur...

  9. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  10. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

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

  11. Bank branches in supermarkets

    OpenAIRE

    Lawrence J. Radecki; John Wenninger; Daniel Orlow

    1996-01-01

    The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening "supermarket," or "in-store," branches: a new type of banking office within a large retail outlet. An alternative to the traditional bank office, the supermarket branch enables banks to improve the efficiency of the branch network and offer greater convenience to customers.

  12. Bank Profitability during Recessions

    OpenAIRE

    Wilko Bolt; Leo de Haan; Marco Hoeberichts; Maarten van Oordt; Job Swank

    2010-01-01

    This paper estimates the relation between bank profitability and economic downturns using a theoretical model that takes into account the bank's lending history as well as amortization and losses on outstanding loans. We focus on total bank profits and its components: net interest income, other income, and net provisioning plus other costs. Using both aggregate and individual bank panel datasets, our results confirm that pro-cyclicality of bank profits is stronger for deep recessions than dur...

  13. Norges Bank Watch 2008

    OpenAIRE

    Juel, Steinar; Molnar, Krisztina Molnar; Røed, Knut

    2008-01-01

    Norges Bank has gone a long way in being open about its decisions and it is one of the most transparent central banks; this report makes a few recommendations about further improving the bank in this respect. Since Norges Bank already has a history of many years of transparency about its decisions and the principles used to make these decisions, it is possible to make a retrospective analysis and evaluate the bank. We think that evaluating and discussing the monetary policy of ...

  14. Selling Failed Banks

    OpenAIRE

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

    We study the recent episode of bank failures and provide simple facts to better understand who acquires failed banks and which forces drive the losses that the FDIC realizes from these sales. We document three distinct forces related to the allocation of failed banks to potential acquirers. First, a geographically proximate bank is significantly more likely to acquire a failed bank: only 15% of acquirers do not have branches within the state. Sales are more local in regions with more soft inf...

  15. Outsourcing central banking

    OpenAIRE

    Khoury, Sarkis Joseph; Wihlborg , Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervision can 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...

  16. Understanding Banking Sector Globalization

    OpenAIRE

    Linda S. Goldberg

    2009-01-01

    This article profiles the recent evolution and consequences of banking sector globalization. After presenting trends in international banking, the article overviews macroeconomic consequences of banking sector globalization, including the role of banks in the international transmission of shocks, comovements of business cycles, financial crises, and economic growth. Other consequences of banking globalization have parallels with the effects of real-side foreign direct investment, including te...

  17. Acaricidal activity of Annonaceae fractions against Tetranychus tumidus and Tetranychus urticae (Acari: Tetranychidae and the metabolite profile of Duguetia lanceolata (Annonaceae using GC-MS

    Directory of Open Access Journals (Sweden)

    Dejane Santos Alves

    2015-12-01

    Full Text Available Species of the Tetranychus genus feed on plant tissues, which reduces the rate of photosynthesis and can lead to the death of plant tissues. As a result, considerable production losses are caused by these arthropods. Thus, in order to aid in the development of new products for the control of Tetranychus tumidus Banks and Tetranychus urticae Koch (Acari: Tetranychidae, the initial objective of this study was to select Annonaceae derived fractions that were soluble in dichloromethane and have acaricidal activity. Then, an exploratory analysis of the metabolite profile of the most successful fraction was performed by gas chromatography-mass spectrometry (GC-MS. Among the dichloromethane soluble fractions derived from Annona cacans Warm., Annona coriacea Mart., Annona neolaurifolia H. Rainer, Annona sylvatica A.St.-Hil., Duguetia lanceolata A.St.-Hil., Guatteria australis A.St.-Hil., Xylopia brasiliensis Spreng., Xylopia emarginata Mart. and Xylopia sericea A.St.-Hil., only the fraction from D. lanceolata stem bark reduced the survival of T. tumidus females. However, ovicidal activity was not detected when D. lanceolata stem bark was evaluated against T. tumidus eggs. Further, we studied the effect of dichloromethane soluble fractions from D. lanceolata leaves, berry fruits and stem bark on T. urticae, and the stem bark was found to be the most active fraction against T. urticae. The metabolite profile analysis of D. lanceolata stem bark by GC-MS, suggested that the main constituents were 2,4,5-trimethoxystyrene and trans-asarone.

  18. Mobile banking: near future of banking

    OpenAIRE

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

    Banks are now being prepared to take advantage of another profit opportunity which is another product usable by all of us, the 'Mobile phone'. The interest over 'Mobile Banking' product is becoming increasingly intense. Applications and new technologies are spreading through European banks mobilized to embrace this profitable product. It is common knowledge that many users of mobile telephony are actively shifted from PC to mobile devices. It still remains to understand: to what extent this n...

  19. Historical review of the genus Dermanyssus Dugès, 1834 (Acari: Mesostigmata: Dermanyssidae)

    OpenAIRE

    Roy L; Chauve C.M.

    2007-01-01

    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 ...

  20. A survey of ticks (Acari: Ixodidae) of companion animals in Australia

    OpenAIRE

    Greay, Telleasha L.; Oskam, Charlotte L.; Alexander W Gofton; Rees, Robert L; Ryan, Una M.; Irwin, Peter J.

    2016-01-01

    Background Ticks are among the most important vectors of pathogens affecting companion animals, and also cause health problems such as tick paralysis, anaemia, dermatitis, and secondary infections. Twenty ixodid species have previously been recorded on dogs, cats, and horses in Australia, including Rhipicephalus sanguineus, Ixodes holocyclus and Haemaphysalis longicornis, which transmit tick-borne diseases. A survey of hard ticks (Acari: Ixodidae) was conducted during 2012–2015 to investigate...

  1. Acaricidal and repellent activities of essential oil of Eucalyptus globulus against Dermanyssus gallinae (Acari: Mesostigmata)

    OpenAIRE

    Dehghani-Samani Amir; Madreseh-Ghahfarokhi Samin; Dehghani-Samani Azam; Pirali-Kheirabadi Khodadad

    2015-01-01

    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...

  2. A large parasitengonid mite (Acari, Erythraeoidea from the Early Cretaceous Crato Formation of Brazil

    Directory of Open Access Journals (Sweden)

    J. A. Dunlop

    2007-08-01

    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

  3. De corticole fauna van platanen: i. Arachniden (Arachnida: Araneae, Pseudoscorpiones, Acari)

    OpenAIRE

    Noordijk, J.; Berg, M.P.

    2001-01-01

    The corticolous fauna of plane trees: I. Arachnids (Arachnida: Araneae, Pseudoscorpiones, Acari) From February until September 2000 an inventory was made of the bark-dwelling arthropod fauna of more than 400 plane trees (Platanus hybrida), all over the Netherlands. Arthropods were collected from bark and under the ‘loose’ bark fragments at a height of 160-175 cm from the ground. Algae, mosses and fungi are important resources for the corticolous fauna. Crevices in the tree trunk and loose bar...

  4. Were Universal Banks More Vulnerable to Banking Failures? Evidence From the 1931 German Banking Crisis

    OpenAIRE

    Adalet, Müge

    2009-01-01

    This paper examines the 1931 German banking crisis using a bank-level data set. It specifically focuses on the link between banking structure and financial stability. The universality of banks, a key characteristic of the German banking system, is shown to increase the probability of bank failure after controlling for other bank-level characteristics and macroeconomic variables.

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

    OpenAIRE

    Miranda Petronella VLAD; Mariana Rodica TIRLEA

    2012-01-01

    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 accoun...

  6. Internet Banking

    OpenAIRE

    Felician ALECU

    2009-01-01

    Σκοπός της εργασίας είναι η μελέτη της Τραπεζικής του Διαδικτύου. Ειδικότερα η διερεύνηση των μελλοντικών εξελίξεων του Internet Banking αλλά και των επιπτώσεων που αναμένεται να επιφέρει η περαιτέρω ανάπτυξή του στην παραδοσιακή Τραπεζική και τον ευρύτερο Τραπεζικό και χρηματοοικονομικό τομέα. Η εργασία είναι οργανωμένη σε τρεις θεματικές ενότητες-κεφάλαια. Στο πρώτο κεφάλαιο γίνεται αναφορά σε θεμελιώδη θέματα που αφορούν την Τραπεζική του Διαδικτύου. Πέρα από τους ορισμούς των Τραπεζικ...

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

    OpenAIRE

    Kashmari A; Nejad AHG; Nayebyazdi A

    2016-01-01

    Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of...

  8. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  9. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

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

  10. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  11. GenBank

    Data.gov (United States)

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

  12. Bank Funding Modes

    OpenAIRE

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

    We examine a bank's choice of whether to fund the loans it originates by emitting deposits or to sell the loans to investors. With common knowledge of loan quality and laissez faire banking, we find that the choice is irrelevant. With asymmetric information but without government intervention, we find that better quality assets will be sold (securitized) and poorer quality assets will be funded with deposits. Public regulation can influence the bank's choice; subsidies can cause a bank to fav...

  13. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  14. Securitization and Bank Performance

    OpenAIRE

    Casu, B; Clare, A; Sarkisyan, A.; Thomas, S.

    2013-01-01

    Using predominantly precrisis U.S. commercial bank data, this paper employs a propensity score matching approach to analyze whether individual banks did improve their performance through securitization. On average, our results show that securitizing banks tend to be more profitable institutions, with higher credit risk exposure. Despite a more diversified funding structure, they face higher funding costs. We also find that securitizing banks tend to hold larger and less diversified loan portf...

  15. The Shanxi Banks

    OpenAIRE

    Randall Morck; Fan Yang

    2010-01-01

    The remote inland province of Shanxi was late Qing dynasty China's paramount banking center. Its remoteness and China's almost complete isolation from foreign influence at the time lead historians to posit a Chinese invention of modern banking. However, Shanxi merchants ran a tea trade north into Siberia, travelled to Moscow and St. Petersburg, and may well have observed Western banking there. Nonetheless, the Shanxi banks were unique. Their dual class shares let owners vote only on insiders'...

  16. Early public banks

    OpenAIRE

    Roberds, William; Velde, François R.

    2014-01-01

    Publicly owned or commissioned banks were common in Europe from the fifteenth century. This survey argues that while the early public banks were characterized by great experimentation in their design, a common goal was to create a liquid and reliable monetary asset in environments where such assets were rare or unavailable. The success of these banks was however never guaranteed, and even well-run banks could become unstable over time as their success made them susceptible to fiscal exploitat...

  17. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  18. Boards of Banks

    OpenAIRE

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

    We show that country characteristics explain most of the cross-sectional variation in bank board independence. In contrast, country characteristics have little explanatory power for the fraction of outside bank directors with experience in the banking industry. Exploiting the time-series dimension of the sample, we show that changes in bank characteristics are not robustly associated with changes in board independence, while changes in board experience are positively related to changes in ban...

  19. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  20. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  1. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  2. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  3. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  4. Polymer bank notes

    OpenAIRE

    Brian Lang; John Barry

    1999-01-01

    On 3 May 1999 the Bank issued a new $20 bank note into circulation that had been printed on a polymer substrate. This article traces the history of polymer, briefly describes the process of production, and highlights the benefits of the substrate and the implications for the future of bank note handling within the country.

  5. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  6. More Localized Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    The country's banking watchdog says that to engage in the retail renminbi business, foreign banks must become Chinese legal entities According to China's commitment at its accession to the WTO, as of December 11 this year, it will fully open renminbi business to foreign-funded banks. However, this does not mean that the 103 China branches of foreign

  7. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if politica...

  8. A new species of Atractides Koch, 1837 (Acari: Hydrachnidia, Hygrobatidae from Ethiopia, with a discussion on the biodiversity of the genus Atractides in the Afrotropical region

    Directory of Open Access Journals (Sweden)

    Vladimir Pesic

    2011-03-01

    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.

  9. Efeitos do nim sobre tetranychus urticae Koch (Acari: Tetranychidae) e os predadores Phytoseiulus macropilis (Banks) e Neoseiulus californicus (Mcgregor) (Acari: Phytoseiidae)

    OpenAIRE

    Daniele Cristine Hoffmann Schlesener; Adriane Fonseca Duarte; Milton Fernando Cabezas Guerrero; Uemerson Silva da Cunha; Dori Edson Nava

    2013-01-01

    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...

  10. The complete mitochondrial genome of the citrus red mite Panonychus citri (Acari: Tetranychidae): high genome rearrangement and extremely truncated tRNAs

    OpenAIRE

    Dou Wei; Wang Bao-Jun; Wei Dan-Dan; Yuan Ming-Long; Wang Jin-Jun

    2010-01-01

    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 (mit...

  11. Better borrowers, fewer banks?

    OpenAIRE

    Christophe J. Godlewski; Frédéric Lobez; Jean-Christophe Statnik

    2010-01-01

    We investigate the relationship between borrower quality and the structure of the pool of banks. First, we develop a theoretical model where the size of the banking pool is a credible signal of firm quality. We argue that better borrowers seek to disclose their quality in a credible way through the structure of the banking pool involving fewer banks. Second, we test our prediction using a sample of more than 3,000 loans from 19 European countries. We perform regressions of the number of bank ...

  12. Extreme Spillover Between Shadow Banking and Regular Banking

    OpenAIRE

    Paraschiv, Florentina; Qin, Minzi

    2013-01-01

    The current financial crisis brought light to a large banking sector that existed for decades within the "darkness" of the financial system - the shadow banking sector. Shadow bank assets are widely traded in the financial markets and shadow banking activities are intertwined with the daily business of regular banks. This unregulated banking sector has become systematically important. Its failure affected the entire banking system. We present a model based on multivariate extreme value theory...

  13. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    OpenAIRE

    Mirela CIOCAN

    2014-01-01

    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 ...

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

    OpenAIRE

    Cargill, Thomas F.

    2006-01-01

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

  15. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  16. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  17. New feather mites of the subfamily Pterodectinae (Acari: Astigmata: Proctophyllodidae) from passerines (Aves: Passeriformes) in Mato Grosso do Sul, Brazil

    Czech Academy of Sciences Publication Activity Database

    Mironov, S. V.; Literák, I.; Čapek, Miroslav

    2008-01-01

    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

  18. A novel disease affecting the predatory mite Phytoseiulus persimilis (Acari, Phytoseiidae): evidence for the involvement of bacteria

    NARCIS (Netherlands)

    Schütte, C.; Poitevin, O.J.L.; Dicke, M.

    2008-01-01

    Adult female Phytoseiulus persimilis Athias-Henriot (Acari, Phytoseiidae) of a laboratory population show drastic changes in foraging behavior, anatomy and life history compared to typical laboratory populations. We demonstrated earlier that the set of characteristic symptoms, called non-responding

  19. Effect of coconut palm proximities and Musa spp. germplasm resistance to colonization by Raoiella indica (Acari: Tenuipalpidae)

    Science.gov (United States)

    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...

  20. A mite (Acari: Erythraeidae) as unusual parasite on an adult caddisfly (Trichoptera: Hydroptilidae) from the Dominican Republic (West Indies)

    OpenAIRE

    Botosaneanu, L.; Bolland, H.R.

    1997-01-01

    BOTOSANEANU, L. & H.R. BOLLAND, 1997. A mite (Acari: Erythraeidae) as unusual parasite on an adult caddisfly (Trichoptera: Hydroptilidae) from the Dominican Republic (West Indies). Studies Nat. Hist. Caribbean Region 73, Amsterdam 1997: 71-76. First known case of a caddisfly (adult Leucotrichia tubifex Flint, 1964) parasitized by a mite (larva of Leptus sp.) belonging to another group than Hydrachnellae.

  1. New feather mites of the subfamily Pterodectinae (Acari: Proctophyllodidae) from passerines and woodpeckers (Aves: Passeriformes and Piciformes) in Vietnam

    Czech Academy of Sciences Publication Activity Database

    Mironov, S.; Literák, I.; Hung, N. M.; Čapek, Miroslav

    2012-01-01

    Roč. 3440, č. 3440 (2012), s. 1-49. ISSN 1175-5326 R&D Projects: GA MŠk LC06073 Institutional support: RVO:68081766 Keywords : Acari * feather mites * Proctophyllodidae * systematics * Aves * Passeriformes * Piciformes * Vietnam Subject RIV: EG - Zoology Impact factor: 0.974, year: 2012 http://www.mapress.com/zootaxa/2012/f/zt03440p049.pdf

  2. Ticks (Acari: Ixodida) on wild carnivores in Brazil.

    Science.gov (United States)

    Labruna, Marcelo B; Jorge, Rodrigo S P; Sana, Dênis A; Jácomo, Anah Tereza A; Kashivakura, Cyntia K; Furtado, Mariana M; Ferro, Claudia; Perez, Samuel A; Silveira, Leandro; Santos, Tarcísio S; Marques, Samuel R; Morato, Ronaldo G; Nava, Alessandra; Adania, Cristina H; Teixeira, Rodrigo H F; Gomes, Albério A B; Conforti, Valéria A; Azevedo, Fernando C C; Prada, Cristiana S; Silva, Jean C R; Batista, Adriana F; Marvulo, Maria Fernanda V; Morato, Rose L G; Alho, Cleber J R; Pinter, Adriano; Ferreira, Patrícia M; Ferreira, Fernado; Barros-Battesti, Darci M

    2005-01-01

    The present study reports field data of ticks infesting wild carnivores captured from July 1998 to September 2004 in Brazil. Additional data were obtained from one tick collection and from previous published data of ticks on carnivores in Brazil. During field work, a total of 3437 ticks were collected from 89 Cerdocyon thous (crab-eating fox), 58 Chrysocyon brachyurus (maned wolf), 30 Puma concolor (puma), 26 Panthera onca (jaguar), 12 Procyon cancrivorus (crab-eating raccoon), 4 Speothos venaticus (bush dog), 6 Pseudalopex vetulus (hoary fox), 6 Nasua nasua (coati), 6 Leopardus pardalis (ocelot), 2 Leopardus tigrinus (oncilla), 1 Leopardus wiedii (margay), 1 Herpailurus yagouaroundi (jaguarundi), 1 Oncifelis colocolo (pampas cat), 1 Eira barbara (tayara), 1 Galictis vittata (grison), 1 Lontra longicaudis (neotropical otter), and 1 Potus flavus (kinkajou). Data obtained from the Acari Collection IBSP included a total of 381 tick specimens collected on 13 C. thous, 8 C. brachyurus, 3 P. concolor, 10 P. onca, 3 P. cancrivorus, 4 N. nasua, 1 L. pardalis, 1 L. wiedii, 4 H. yagouaroundi, 1 Galictis cuja (lesser grison), and 1 L. longicaudis. The only tick-infested carnivore species previously reported in Brazil, for which we do not present any field data are Pseudalopex gymnocercus (pampas fox), Conepatus chinga (Molina's hog-nosed skunk), and Conepatus semistriatus (striped hog-nosed skunk). We report the first tick records in Brazil on two Felidae species (O. colocolo, H. yagouaroundi), two Canidae species (P. vetulus, S. venaticus), one Procyonidae species (P. flavus) and one Mustelidae (E. barbara). Tick infestation remains unreported for 5 of the 26 Carnivora species native in Brazil: Oncifelis geoffroyi (Geoffroy's cat), Atelocynus microtis (short-eared dog), Pteronura brasiliensis (giant otter), Mustela africana (Amazon weasel), and Bassaricyon gabbii (olingo). Our field data comprise 16 tick species represented by the genera Amblyomma (12 species), Ixodes (1

  3. Banking system in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

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

  4. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  5. Customer Experience in Banking Industry

    OpenAIRE

    Michálková, Anna

    2015-01-01

    This thesis analyzes the field of Customer Experience. The goal is to apply these issues to the banking market and understand what role has the relationship between the bank and the customer due to the prosperity of the bank. The paper describes the current Czech banking market, its trends in recent years and segmentation of bank clients. One of the major changes on the Czech banking market concerns ever increasing competition between banks and increase competition for consumers. Customer Exp...

  6. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

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

  7. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  8. Islamic Banking and Finance

    OpenAIRE

    AlFarra, Diaa M. S.

    2015-01-01

    Islamic Banking and Finance has been growing rapidly during the last decades. Descriptive analysis has been used in order to introduce the Islamic banking and finance and how it works. On other hand, clarify the Islamic Banking and Finance Systems and show how it works in part of liability and also profit and loss sharing basis. In addition to that, the main similarities and differences were properly identified, introduced and discussed in the paper. It is obvious that there are many similari...

  9. Essays on Bank Risk

    OpenAIRE

    Cabiles, Neil Adrian

    2012-01-01

    This PhD Thesis is composed of three chapters, each discussing a specific type of risk that banks face. The first chapter talks about Systemic Risk and how banks get exposed to it through the Interbank Funding Market. Exposures in the said market have Systemic Risk implications because the market creates linkages, where the failure of one party can affect the others in the market. By showing that CDS Spreads, as bank risk indicators, are positively related to their Net Interbank Funding ...

  10. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

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

  11. Bank Customers Management System

    OpenAIRE

    Ebubeogu Amarachukwu Felix

    2015-01-01

    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 A...

  12. Banks on Board

    OpenAIRE

    Jeffrey Fear; Christopher Kobrak

    2007-01-01

    As part of a series of related papers, the authors examine the conceptual foundations of German and American corporate governance, specifically highlighting the role of banks' relationships to corporations and the stock market. This paper focuses on how the regulatory and macroeconomic environments of the two countries helped shape how banks, especially money-centred bankers, actually interacted with their clients. Prior to 1914, despite many regulatory obstacles, American banks wielded more ...

  13. Agricultural Development Bank Reform

    OpenAIRE

    Seibel, Hans Dieter

    2001-01-01

    Agricultural development banks (AgDBs), which are not viable, should either be closed, or transformed into self-reliant, sustainable financial intermediaries. Experience shows that reform is possible. Among the prominent cases are Bank Rakyat Indonesia (BRI) and Bank for Agriculture and Agricultural Cooperatives (BAAC, Thailand) as well as ADB/Nepal, which has been transforming its small farmer credit program into financially self-reliant local financial intermediaries owned and managed by th...

  14. BANKING PRIVATIZATION IN TURKEY

    OpenAIRE

    Ersoy, İmre

    2015-01-01

    It seems impossible to drive a general rule concerning the outcomes of privatization that would be applicable to each country or sector. Privatization may lead to better use of resources but also to extraction of profit overseas and growing industrial concentration. Privatization of banking is more delicate an issue because of the potential to undermine confidence in the system. Moreover, there is the problem of obtaining data on bank privatization as public banks have always been an importan...

  15. 12 CFR 917.10 - Bank bylaws.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank bylaws. 917.10 Section 917.10 Banks and Banking FEDERAL HOUSING FINANCE BOARD GOVERNANCE AND MANAGEMENT OF THE FEDERAL HOME LOAN BANKS POWERS AND RESPONSIBILITIES OF BANK BOARDS OF DIRECTORS AND SENIOR MANAGEMENT § 917.10 Bank bylaws. A Bank's board...

  16. Bank Capital Management

    OpenAIRE

    Jokipii, T.K.

    2009-01-01

    The work undertaken in this study empirically explores the determinants of regulatory bank capital bu®ers, and how they in°uence bank decisions. Focusing on bank capital management under the Basel I framework, this thesis serves to address some of the con- cerns that have been voiced regarding the implementation of the new regulation (Basel II) and the broader economic e®ects that could result. In particular, the research chapters of this thesis examine the cyclical behavior of European bank ...

  17. PENGELOLAAN LIKUIDITAS BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  18. Phytoseiidae (Acari: Mesostigmata) within citrus orchards in Florida: species distribution, relative and seasonal abundance within trees, associated vines and ground cover plants.

    Science.gov (United States)

    Childers, Carl C; Denmark, Harold A

    2011-08-01

    Seven citrus orchards on reduced- to no-pesticide spray programs were sampled for predacious mites in the family Phytoseiidae (Acari: Mesostigmata) in central and south central Florida. Inner and outer canopy leaves, open flowers, fruit, twigs, and trunk scrapings were sampled monthly between September 1994 and January 1996. Vines and ground cover plants were sampled monthly between September 1994 and January 1996 in five of these orchards. The two remaining orchards were on full herbicide programs and ground cover plants were absent. Thirty-three species of phytoseiid mites were identified from 35,405 specimens collected within citrus tree canopies within the seven citrus orchards, and 8,779 specimens from vines and ground cover plants within five of the seven orchards. The six most abundant phytoseiid species found within citrus tree canopies were: Euseius mesembrinus (Dean) (20,948), Typhlodromalus peregrinus (Muma) (8,628), Iphiseiodes quadripilis (Banks) (2,632), Typhlodromips dentilis (De Leon) (592), Typhlodromina subtropica Muma and Denmark (519), and Galendromus helveolus (Chant) (315). The six most abundant species found on vines or ground cover plants were: T. peregrinus (6,608), E. mesembrinus (788), T. dentilis (451), I. quadripilis (203), T. subtropica (90), and Proprioseiopsis asetus (Chant) (48). The remaining phytoseiids included: Amblyseius aerialis (Muma), A. herbicolus (Chant), A. largoensis (Chant), A. multidentatus (Chant), A. sp. near multidentatus, A. obtusus (Koch), Chelaseius vicinus (Muma), Euseius hibisci Chant, Galendromus gratus (Chant), Metaseiulus mcgregori (Chant), Neoseiulus mumai (Denmark), N. vagus (Denmark), Phytoscutus sexpilis (Muma), Phytoseiulus macropilis (Banks), Proprioseiopsis detritus (Muma), P. dorsatus (Muma), P. macrosetae (Banks), P. rotundus (Muma), P. solens (De Leon), Typhlodromips deleoni (Muma), T. dillus (De Leon), T. dimidiatus (De Leon), T. mastus Denmark and Muma, T. simplicissimus (De Leon), and T. sp

  19. Banking union and a single bank supervisory mechanism

    OpenAIRE

    Sibert, Anne

    2012-01-01

    This note considers why a banking union is an essential component of a well-functioning monetary union. I describe some the consequences of banking union for the euro area. I describe how the European banking union should be designed.

  20. New species, new records and re-description of spider mites (Acari: Tetranychidae) from India.

    Science.gov (United States)

    Zeity, Mahran; Srinivasa, N; Gowda, C Chinnamade

    2016-01-01

    Two species of Tetranychidae (Acari), Oligonychus neotylus sp. nov. from Zea mays and Pennisetum purpureum (Poaceae) and Tetranychus hirsutus sp. nov. from Gymnema sylvestre R. Br. (Apocynaceae) are described from Karnataka state, south India. Tetranychus bambusae Wang and Ma is recorded for the first time from India and re-described. Four other species are reported for the first time from India viz., Oligonychus coniferarum (McGregor), Oligonychus duncombei Meyer, Tetranychus marianae McGregor and Tetranychus okinawanus Ehara from Cupressus sp., an undetermined grass, Centrosema pubescens and Adenium obesum, respectively. PMID:27394311

  1. Private Banking and Wealth Management Services Offered by Banks

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

  2. World Bank Group/World Bank Corporate Scorecards, April 2016

    OpenAIRE

    World Bank Group

    2016-01-01

    This pamphlet presents the World Bank Group and World Bank Corporate Scorecards updated with latest data available for Tier 3 (Performance Tier) as of December 31, 2015. Tiers 1 and 2 present data from end of fiscal year 2015. The World Bank Group Corporate Scorecard monitors the implementation of the World Bank Group Strategy. The Scorecard provides an apex view of the results and performance indicators of the three World Bank Group institutions—the World Bank (WB), ...

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  5. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

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

  6. International fuel bank

    International Nuclear Information System (INIS)

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

  7. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

  8. Polymer bank notes

    OpenAIRE

    Brian Lang

    2002-01-01

    In May 1999 the Reserve Bank issued its first polymer bank notes into circulation. By March 2000 all denominations had been converted from paper to polymer. By the end of 2001 approximately 110 million polymer notes had been issued into circulation. This article assesses the performance of polymer notes compared with our expectations at the time they were introduced.

  9. Organization of eye bank

    International Nuclear Information System (INIS)

    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

  10. Marketing of bank innovations

    Directory of Open Access Journals (Sweden)

    T.A. Vasileva

    2011-01-01

    Full Text Available In the article it is determined the specificity of bank innovations. Level of their introduction in Ukraine is analyse. General tendencies in development of marketing of bank innovations are proved and the scientifically-methodical approach to an estimation of its efficiency is offered.

  11. GREEN BANKING IN INDIA

    Directory of Open Access Journals (Sweden)

    S.G. KHAWASPATIL

    2013-01-01

    Full Text Available Sustainable enlargement can best be achieved by permitting markets to work within an appropriate framework of cost efficient regulations and economic instruments. One of the major economic agents influencing overall industrial activity and economic growth is the financial institutions such as banking sector. In a globalised economy, the industries and firms are vulnerable to stringent environmental policies, severe law suits or consumer boycotts. Since banking sector is one of the major stake holders in the Industrial sector, it can find itself faced with credit risk and liability risks. Further, environmental impact might affect the quality of assets and also rate of return of banks in the long-run. Thus the banks should go green and play a pro-active role to take environmental and ecological aspects as part of their lending principle, which would force industries to go for mandated investment for environmental management, use of appropriate technologies and management systems. This paper explores the importance of Green Banking, sites international experiences and highlights important lessons for sustainable banking and development in India. However, we find that there has not been much initiative in this regard by the banks and other financial institutions in India though they play an active role in India's emerging economy. Therefore, we suggest possible policy measures and initiative to promote green banking in India.

  12. iBank

    Science.gov (United States)

    Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.

    2012-01-01

    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…

  13. The Solar Bank concept

    International Nuclear Information System (INIS)

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

  14. Bank Value and Financial Fragility

    OpenAIRE

    Gobert, Karine; González, Patrick; Poitevin, Michel

    2002-01-01

    We propose a valuation model for a bank which faces a bankruptcy risk. Banks are identified with a possibly infinite random sequence of net benefits. A bank is solvent as long as its benefits remain non-negative. To preserve distressed banks from destruction, banks will be pooled within a financial coalition. When possible, those with current positive balance sheet will refinance those in need of liquidity. Banks are refinanced to the extent that their current needs for liquidity do not excee...

  15. Banking on Corporate Social Responsibility

    OpenAIRE

    Timothy Rice; Cyril Peter

    2015-01-01

    This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR) in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their...

  16. Derivatives Activity at Troubled Banks

    OpenAIRE

    Joe Peek; Rosengren, Eric S.

    1996-01-01

    Derivatives have become an essential instrument for hedging risks, yet moral hazard can lead to their misuse by problem banks. Given that the absence of comprehensive data on bank derivatives activities prevents an accurate assessment of bank risk-taking, banks have an opportunity to take unmonitored second bets. Thus , troubled banks have the motive to increase risk, and derivatives provide the means to do so. The role of bank supervisors should be to limit the opportunity through more compr...

  17. Banking union and bank regulation: Banking sector stability in Europe

    OpenAIRE

    Bremus, Franziska M.; Lambert, Claudia

    2014-01-01

    Despite the most recent period of calm on the financial markets, the long-term resilience of the European financial system is not yet assured, even several years after the financial crisis began. However, the stability of the financial system playsa crucial role for real economic development and consequently for growth and prosperity. The financial crisis has shown that stricter regulation is required to improve the stability and resilience of the banking system. Further, it has become eviden...

  18. The residual and direct effects of reduced-risk and conventional miticides on twospotted spider mites, Tetranychus urticae (Acari: Tetranychidae) and predatory mites (Acari: Phytoseiidae)

    International Nuclear Information System (INIS)

    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)

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

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

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

  20. Swiss Bank Accounts

    OpenAIRE

    Brown, Martin; Döbeli, Barbara; Sauré, Philip

    2011-01-01

    We examine the origin of deposits with Swiss banks on a country-by-country basis for the period 1987-2007. We relate the volume of Swiss bank deposits for 99 countries to the taxation of personal income as well as to political governance in these countries. Our results suggest that higher taxation in origin countries is not associated with a larger volume of deposits with Swiss banks. Our results do show however that countries with weak political governance, e.g. corruption, internal conflict...

  1. PENGELOLAAN LIKUIDITAS BANK SYARIAH

    OpenAIRE

    Nurul Ichsan

    2014-01-01

    Islamic Banking Liquidity Management.  this  article  is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt) on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Thr...

  2. PERCEIVED BARRIERS OF INNOVATIVE BANKING AMONG MALAYSIAN RETAIL BANKING CUSTOMERS

    Directory of Open Access Journals (Sweden)

    Jayaraman Munusamy

    2012-04-01

    Full Text Available This study aims to identify perceptual barriers of Internet banking adoption among Malaysian retail banking customers. The per ceptual barrier factors that analyzed were difficulty to operate, hassle to use, unreliable, perceived risk and high connection fees. This study employs a quantitative approach using questionnaire survey at selected banks in Malaysia. The results indicate that there are significant barriers exist in the perception of Internet banking adoption among Malaysian retail banking customers. The results indicate several implications for bank managers to change the perceptions of retail internet banking customers.

  3. Varying Impacts of Electronic Banking on the Banking Industry

    Directory of Open Access Journals (Sweden)

    Sali Bakare

    2015-08-01

    Full Text Available The banking industry has undergone tremendous changes with the introduction of information technology (IT. Electronic banking (EB is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans to conduct financial activities. This paper explores a few published articles that reported on the impacts of electronic banking on the banking industry. The articles vary in their findings. Impacts on the banking industry from the points of view of consumers and bank employees were reported. This paper examines the study of few other articles to propose that more research be conducted utilizing a different research methodology such as qualitative method to fully understand how EB impacts the banking industry and address cyber crime threats.

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

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

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

  5. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

    Mohd. Azmi Omar; Abdul Rahim Abdul Rahman; Rosylin Mohd. Yusof; M. Shabri Abd. Majid; Mohd. Eskandar Shah Mohd. Rasid

    2006-01-01

    This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measu...

  6. The Bulgarian Banks' competitiveness: the case of Remote banking

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

    The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the banks have started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking becomes one of the main channels for bank services distribution. This paper presents results from a research, which aims to describe actual picture of remote banking products and services offered by ...

  7. Statistical comparison of comparable banking products in selected banks

    OpenAIRE

    Elstnerová, Lucie

    2011-01-01

    The diploma thesis describes the current situation in the market of commercial banks in the Czech Republic, analyzes products offer in selected banks depending on the client preferences of individual commercial banks, and evaluates the influences and circumstances that determine the behavior of clients in relation to banks and financial products. Furthermore, it assesses the impact of demographic, social and economic factors on the usage of offered banking products. The thesis also includes a...

  8. The Corporate Governance of Banks

    OpenAIRE

    Hummel, Detlev

    2013-01-01

    1. Introduction 2. The role of banks and what is different in banks? 3. Corporate Governance and risk management 4. Risk taking and executive board composition 5. Compensation structures – how to improve models for banks? 6. Banking supervision and regulation 7. Reform of European institutions for financial stability

  9. 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

    Directory of Open Access Journals (Sweden)

    Daniele Cristine Hoffmann Schlesener

    2013-03-01

    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.

  10. 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)

    OpenAIRE

    Daniele Cristine Hoffmann Schlesener; Adriane Fonseca Duarte; Milton Fernando Cabezas Guerrero; Uemerson Silva da Cunha; Dori Edson Nava

    2013-01-01

    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...

  11. Filter Bank Fusion Frames

    CERN Document Server

    Chebira, Amina; Mixon, Dustin G

    2010-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using oversampled filter banks. In this work, we first provide polyphase domain characterizations of filter bank fusion frames. We then use these characterizations to construct filter bank fusion frame versions of discrete wavelet and Gabor transforms, emphasizing those specific finite impulse response filters whose frequency responses are well-behaved.

  12. Protein Data Bank (PDB)

    Data.gov (United States)

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

  13. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  14. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

    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. PMID:17427461

  15. Consumer protection in banking

    OpenAIRE

    Pohanková, Martina

    2013-01-01

    In real world, a market functioning is not perfect. Usually, there is one party in a contract that has weaker position than the other one. In a consumer contract it is a consumer who does not have sufficient information and knowledge. In developed countries, a consumer protection is therefore a part of law regulation. The thesis deals with the consumer protection in banking. It focuses on general topics as well as specific topics, such as banking accounts, electronic fund transfers and consum...

  16. Debt, Taxes, and Banks

    OpenAIRE

    Michael Keen; Ruud A. de Mooij

    2012-01-01

    Understanding the impact of the asymmetric tax treatment of debt and equity on the capital structures of financial institutions is critical to shaping and assessing responses to the problem of excessive leverage that underlay the 2009 financial crisis - but there is no empirical evidence to draw on. Guided by a simple model of banks? financing decisions in the presence of both regulatory constraints and tax asymmetries, this paper explores the impact of corporate tax bias on bank leverage, th...

  17. Central Bank independence

    OpenAIRE

    Vasile DEDU; Tiberiu STOICA

    2012-01-01

    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 disin...

  18. International Banking in Cyprus

    OpenAIRE

    Yiallouros, Kristie

    2009-01-01

    The purpose of this dissertation is to analyze the sector of the Cyprus economy that deals with the International Banking or Offshore Banking as otherwise is being called in Cyprus. During the last two decades the island of Cyprus has managed to establish itself as a reputable international financial centre. Therefore the literature review of this paper examines the research theme from two different aspects. First it examines the financial system of Cyprus as related to international ban...

  19. Securitization and Bank Stability

    OpenAIRE

    Di Cesare, Antonio

    2009-01-01

    This paper analyzes the effects of CDO issuance on the risk of default of banks. Previous literature showed that the overall riskiness of a bank can increase when it sells part of the loans in its portfolio by issuing a CDO of which it retains the equity tranche. Using Monte Carlo simulations, this paper confirms previous results but also highlights that they can change substantially if one modifies the hypothesis regarding how the proceeds of securitizations are reinvested. The assessment of...

  20. Norges Bank Watch 2003

    OpenAIRE

    Ekeli, Thomas; Haug, Anne Kari; Houg, Kjetil; Steigum, Erling, Jr

    2003-01-01

    The Centre for Monetary Economics (CME) at the BI Norwegian School of Management has for the fourth time invited a committee of economists to participate on Norges Bank Watch, with the objective of evaluating the monetary policy regime in Norway and Norges Bank’s conduct of monetary policy. This time the committee has focused on the conduct of policy rather than addressing institutional issues. The committee refers to Norges Bank Watch 2002 for a detailed assessment of the mone...

  1. Norges Bank Watch 2002

    OpenAIRE

    Svensson, Lars E.O.; Houg, Kjetil; Solheim, Haakon O. Aa.; Steigum, Erling, Jr

    2002-01-01

    The Centre for Monetary Economics (CME) at the Norwegian School of Management BI has for the third time invited a committee of economists for Norges Bank Watch, with the objective to evaluate the monetary-policy regime in Norway and Norges Bank’s conduct of monetary policy. The committee for Norges Bank Watch 2002 consists of Professor Lars E.O. Svensson (chair), Princeton University, Chief Economist Kjetil Houg, Alfred Berg, Doctorate Student Haakon O.Aa. Solheim, Norwegian ...

  2. Banking structure redesigned

    OpenAIRE

    VARMA, VIJAYA KRUSHNA

    2009-01-01

    Banking structure is redesigned to make India a fully digital nation and to usher in 100% E-governance. Multi dimensional and multipurpose savings account - It is the main keel of this restructured banking. Purpose of this multi dimensional account 1. This savings account can be used for receiving, storing and spending of money. 2. It can be used for buying, selling and holding property rights of immovable properties like lands, plots, flats and commercial establishments. 3...

  3. Bank collapse and depression

    OpenAIRE

    Bryant, John

    1980-01-01

    The recurrent banking panics of the 19th century and the Great Depression of the 1930s are widely viewed as failures of our economic system. A simple version of Samuelson’s overlapping generations model is used to generate such failures of Walrasian equilibrium. The spontaneous “panics” generated involve a collapse of bank credit, causing in turn a drop in investment demand. The model suggests that both the recent technological advances in the intermediation industry and the current move towa...

  4. Beklemishevia hispaniola n. sp., nuevo representante de la Cohorte Palaeosomata (Acari, Oribatei en España

    Directory of Open Access Journals (Sweden)

    Pérez-Iñigo, C.

    1996-12-01

    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.

  5. The Empirics of Banking Regulation

    OpenAIRE

    Tchana Tchana, Fulbert

    2008-01-01

    This paper empirically assesses whether banking regulation is effective at preventing banking crises. We use a monthly index of banking system fragility, which captures almost every source of risk in the banking system, to estimate the effect of regulatory measures (entry restriction, reserve requirement, deposit insurance, and capital adequacy requirement) on banking stability in the context of a Markov-switching model. Our methodology is less prone to selection and simultaneity bias which a...

  6. New Issues in Bank Regulation

    OpenAIRE

    Mohsin S. Khan

    2002-01-01

    Deregulation, technology, and financial innovation are transforming banking. Indeed, banking is no longer the business it was even a few decades ago. The way banking services are provided has changed dramatically, and in many countries they are even offered by institutions that are quite different from traditional banks. As the old institutional demarcations become increasingly irrelevant, increased competition from other intermediaries has led to a decline in traditional banking in which ban...

  7. Risk Assessment for Banking Systems

    OpenAIRE

    Helmut Elsinger; Alfred Lehar; Martin Summer

    2002-01-01

    In this paper we suggest a new approach to risk assessment for banks. Rather than looking at them individually we try to undertake an analysis at the level of the banking system. Such a perspective is necessary because the complicated network of mutual credit obligations can make the actual risk exposure of banks invisible at the level of individual institutions. We apply our framework to a cross section of individual bank data as they are usually collected at the central bank. Using standard...

  8. Public Disclosure and Bank Failures

    OpenAIRE

    Eduardo Levy Yeyati; Tito Cordella

    1998-01-01

    This paper analyses the impact of public disclosure of banks’ risk exposure on banks’ risk taking incentives and its implications in terms of soundness of the banking system. We find that, when banks have a complete control over the volatility of their loan portfolio, public disclosure reduces the probability of banking crises. When asset risk is driven largely by exogenous factors beyond the control of bank managers, however, information disclosure may increase banking sector fragility, as t...

  9. Corporate governance and banking regulation

    OpenAIRE

    Alexander, Kern

    2004-01-01

    The globalisation of banking markets has raised important issues regarding corporate governance regulation for banking institutions. This research paper addresses some of the major issues of corporate governance as it relates to banking regulation. The traditional principal-agent framework will be used to analyse some of the major issues involving corporate governance and banking institutions. It begins by analysing the emerging international regime of bank corporate governance. This has been...

  10. INTERNAL AUDIT APPROACH IN BANKS

    OpenAIRE

    Victoria STANCIU

    2008-01-01

    Romanian banking system has known in the last years significant changes determined by the implementation of Basel II requirements and governance principles on one hand and assimilation of the EU Directives for the banking sector on the other hand. The function of internal audit is new in the Romanian banks, being implemented as a result of the new regulation established by the Romanian National Bank in the effort to aligne the Romanian banking legislation to the international regulations and ...

  11. Cost leadership and bank internationalization

    OpenAIRE

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

    We adapt a theoretical model from the goods trade literature to test whether banks with a comparative cost advantage are more likely to enter foreign markets by means of foreign direct investment. We combine detailed proprietary bank-level data on the international activities of all German banks with publicly available bank micro data from possible destination markets to show that the decision to go abroad is driven by relative cost differences. Banks enter markets where they are cost leaders...

  12. The Banks and Sustainable Development

    OpenAIRE

    Madzova, Violeta

    2012-01-01

    This paper focuses on the role of the banks in supporting sustainable development. Its objective is to examine recent trends in banking and sustainable development, as well as to assess the implementation and application of the sustainable development policies adopted by the banks in the banking sector in Republic of Macedonia. For that purpose it is made a comprehensive analysis on the trends of “sustainable finance”, as well as research on the practices in the Macedonian banking sector in s...

  13. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  14. The Ethical Stance in Banking

    OpenAIRE

    Villa, Jesus Simeon Villa

    2010-01-01

    Abstract Banks have a central role and importance in all commerce and hence in all societies. This thesis investigates the ethical basis of banking practice with the aim of developing an account of the virtues appropriate to bankers and banking. One central issue concerns a conflict between the interests of banks and their customers, and how this conflict plays out in relation to the lending policies and fee structure of banks. Such lending policies can have a significant effect on ban...

  15. Three myths about central banks

    OpenAIRE

    Geoffrey P. Miller

    2002-01-01

    Do central banks control the business cycle? Should price stability be their only monetary policy goal? Do politicians give up a degree of power and gain nothing personally when they grant central banks independence? This Commentary argues that none of these widely held notions is true. The Commentary is based on a speech presented to participants at the conference on the Origins and Evolution of Central Banking, sponsored by the Central Bank Institute of the Federal Reserve Bank of Cleveland...

  16. Prolixus (Acari: Trombidiformes: Tenuipalpidae) newly recorded from New Zealand: A new species from Cyperaceae and its ontogenetic patterns in chaetotaxy.

    Science.gov (United States)

    Xu, Yun; Zhang, Zhi-Qiang

    2014-01-01

    The genus Prolixus (Acari: Tenuipalpidae) was represented by two species from Australian sedges prior to this study. A new species, Prolixus meyerae sp. nov., is here described and illustrated from leaves of Gahnia (Cyperaceae) in Auckland, New Zealand. In this paper, we present the ontogenetic additions in idiosomal and leg chaetotaxy from larva to adult. A key to world species of Prolixus is also proposed. PMID:25543721

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  18. The complete mitochondrial genome of the citrus red mite Panonychus citri (Acari: Tetranychidae: high genome rearrangement and extremely truncated tRNAs

    Directory of Open Access Journals (Sweden)

    Dou Wei

    2010-10-01

    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

  19. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  20. INTERNAL AUDIT APPROACH IN BANKS

    Directory of Open Access Journals (Sweden)

    Victoria STANCIU

    2008-01-01

    Full Text Available Romanian banking system has known in the last years significant changes determined by the implementation of Basel II requirements and governance principles on one hand and assimilation of the EU Directives for the banking sector on the other hand. The function of internal audit is new in the Romanian banks, being implemented as a result of the new regulation established by the Romanian National Bank in the effort to aligne the Romanian banking legislation to the international regulations and practice in the field. In the dynamic banking environment the internal audit has to define and strengthen its statute and role. We can say that in the new context – regulatory environment for banking system and professional requirements – internal audit become one of the most influential and value added function in the bank. The present paper presents the role of internal audit in the Romanian banks and its major areas of interest.

  1. Development of tissue bank.

    Science.gov (United States)

    Narayan, R P

    2012-05-01

    The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole. PMID:23162240

  2. Materials information data bank

    International Nuclear Information System (INIS)

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

  3. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

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

  4. MANAGING BANK SERVICES QUALITY

    Directory of Open Access Journals (Sweden)

    Marijana Mandić

    2011-01-01

    Full Text Available Quality has become the basicfactor of economic efficiency and the basicprinciple of business activities of successfulorganizations. Its consequence is revolution in thearea of quality that has comprised all kinds ofproducts and services including the bank servicesas well. To understand the present and future needsof clients and to know how to fulfill and try toexceed their expectations is the task of everyefficient economy. Therefore, the banks in thedeveloped economies try to re-orientateorganizationally, technologically andinformatically their business activities placing theclient in the core of this business activity.Significant indicators of quality services that banksoffer are measured by the time clients wait for theprovision of the desired service and the number ofclients who give up to enter the bank due to thelong waiting for provision of the desired serviceand the number of clients who give up to enter thebank due to the long waiting queues. Dissatisfiedclient is the worst result of the bank's work andactivity. The great effort is made to improve thequality of services, which means professionalismand communication of personnel with whom theclients come in contact, giving punctual and clearinformation and short waiting period of standing inthe queues. The aim of this paper is to present anddescribe the functioning of the bank system underthe conditions of establishing quality in provision ofservices to clients and to recognize basic guidelinesfor improvement of quality in the work of thebanking sector.

  5. Materials information data bank

    Energy Technology Data Exchange (ETDEWEB)

    Mead, K.E.

    1978-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

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

  7. Garrapatas (Acari: Ixodidae asociadas a perros en diferentes ambientes de la provincia de Corrientes, Argentina Ticks (Acari: Ixodidae of dogs in different environments of the Corrientes Province, Argentina

    Directory of Open Access Journals (Sweden)

    V.N. Debárbora

    2011-06-01

    Full Text Available Se estudiaron las garrapatas (Acari: Ixodidae de perros en ambientes urbanos, periurbanos y rurales de la provincia de Corrientes por medio de colecciones mensuales durante un año en siete sitios diferentes. De los 138 perros examinados, en 87 (63,04% se determinaron tres especies de garrapatas: Amblyomma tigrinum (n=35, Amblyomma ovale (n=2 y Rhipicephalus sanguineus sensu lato (n=523. Las mayores prevalencias para A. tigrinum y R. sanguineus s.l. fueron halladas en ambientes rurales. Especímenes de R. sanguineus s.l. fueron detectados a lo largo de todo el año, con picos de abundancia en primavera y verano, A. tigrinum fue encontrada en otoño, invierno y primavera con un pico en esta última estación, mientras que A. ovale fue colectada sólo en primavera. Rhipicephalus sanguineus s.l. y A. tigrinum fueron halladas en todos los ambientes muestreados, pero el primer taxón fue siempre el más abundante. Teniendo en cuenta que las especies del complejo R. sanguineus son potenciales vectores de microorganismos patógenos para los perros y humanos, y debido a la alta prevalencia registrada en este estudio, queda en evidencia la relevancia de aplicar métodos para su control en las áreas incluidas en este estudio.Ticks (Acari: Ixodidae of dogs in urban, peri-urban and rural areas from the Corrientes Province, Argentina, were studied. They were monthly collected during one year at 7 different sites. A total of 138 dogs were examined, and 87 (63.04% of them were infested; and three species were determined: Amblyomma tigrinum (n=35, Amblyomma ovale (n=2 and Rhipicephalus sanguineus sensu lato (n=523. Both A. tigrinum and R. sanguineus s.l. had the highest prevalence in rural areas. Specimens of R. sanguineus s.l. were collected in the four seasons, but the peaks of abundance were detected in spring and summer. Amblyomma tigrinum was found in autumn, winter and spring, with the peak of abundance in spring, and the two specimens of A. ovale were

  8. First record of the genus .i.Bloszykiella./i. in Kenya with the description of .i.Bloszykiella tertia./i. sp n. (Acari: Uropodidae) from a .i.Pinus radiata./i. D. Don plantation

    Czech Academy of Sciences Publication Activity Database

    Kontschán, J.; Starý, Josef

    2015-01-01

    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: 0.464, year: 2014

  9. NEA Data Bank

    International Nuclear Information System (INIS)

    The coordination of nuclear data compilation within the OECD countries was initiated in 1964, with the creation of the Neutron Data Compilation Centre (CCDN) at Saclay close to Paris, France. This centre participated from the start in the 4-centre network. The NEA Data Bank was established at Saclay in 1978, by merging the CCDN and the Computer Program Library (CPL), Ispra, Italy. NEA Data Bank activities have evolved beyond nuclear data and computer programs, and now also include projects such as the coordination of the Joint Evaluated Fission and Fusion (JEFF) library of nuclear data, the compilation and critical review of chemical thermodynamic data for waste management applications, and the compilation of information relevant to computer code validation in the areas of: integral experiments, shielding, criticality safety, fuel behaviour, reactor physics and reactor safety. The Executive Group of the NEA Nuclear Science Committee manages the work programme of the NEA Data Bank.

  10. On Internet Banking

    Directory of Open Access Journals (Sweden)

    Jeffrey E Jarrett

    2015-08-01

    Full Text Available The purpose is to note the likelihood of continued growth of internet banking and commerce as individual consumers purchase more and more products to access the internet and complete both financial and consumer transactions. The growth is commercial and banking services on-line will grow as long as the hardware producers innovate with new faster and easy to use products. The pitfalls include attacks by savage interventionists who attempt to steal information and prevent end-users from employing the internet for purposes with good intentions. A challenge is made to software and hardware producers to use modern methods and techniques to predict where problems exist in internet banking and commerce. Serious solutions are necessary.

  11. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  12. 12 CFR 552.2-7 - Conversion to National banking association or State bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Conversion to National banking association or State bank. 552.2-7 Section 552.2-7 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE... National banking association or State bank. A Federal stock association may convert to a National...

  13. Description of a new species of bat-associated argasid tick (Acari: Argasidae) from Brazil.

    Science.gov (United States)

    Dantas-Torres, Filipe; Venzal, José M; Bernardi, Leopoldo F O; Ferreira, Rodrigo L; Onofrio, Valéria C; Marcili, Arlei; Bermúdez, Sergio E; Ribeiro, Alberto F; Barros-Battesti, Darci M; Labruna, Marcelo B

    2012-02-01

    A new species of argasid tick (Acari: Argasidae) is described from immature and adult specimens collected from several localities in Brazil. A complete morphological account is provided for all postembryonic life stages, i.e., larva, nymph, female, and male. Ornithodoros cavernicolous n. sp. is the 113(th) in the genus. Morphologically, the new species shares common features, e.g., presence of well-developed cheeks and legs with micromammillate cuticle, with other bat-associated argasid ticks included in the subgenus Alectorobius. In particular, the new species is morphologically related to Ornithodoros azteci Matheson, with which it forms a species group. Phylogenetic analysis based on the 16S rRNA gene sequences supports the placement of the new species within a large clade that includes other New World bat-associated argasids. However, the new species seems to represent an independent lineage within the genus Ornithodoros. PMID:21955330

  14. Arthropod colonization of land--linking molecules and fossils in oribatid mites (Acari, Oribatida).

    Science.gov (United States)

    Schaefer, Ina; Norton, Roy A; Scheu, Stefan; Maraun, Mark

    2010-10-01

    Terrestrial fossils that document the early colonization of land are scarce for >100 my after the Cambrian explosion. This raises the question whether life on land did not exist or just did not fossilize. With a molecular dating technique, we analyzed the origin of terrestrial chelicerate microarthropods (Acari, Oribatida) which have a fossil record since the Middle Devonian that is exceptional among soil animals. Our results suggest that oribatid mites originated in the Precambrian (571+/-37 mya) and that the radiation of basal groups coincides with the gap in the terrestrial fossil record between the Cambrian explosion and the earliest fossilized records of continental ecosystems. Further, they suggest that the colonization of land started via the interstitial, approximately 150 my earlier than the oldest fossils of terrestrial ecosystems. Overall, the results imply that omnivorous and detritivorous arthropods formed a major component in early terrestrial food webs, thereby facilitating the invasion of terrestrial habitats by later colonizers of higher trophic levels. PMID:20420932

  15. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    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

  16. Boards of Banks

    OpenAIRE

    Ferreira, Daniel

    2010-01-01

    An earlier version of this paper won the Best Paper Award of the Corporate Governance SIG at EURAM. Abstract We construct a comprehensive data set with detailed biographic data on 12,010 board directors working for 740 large banks from 41 countries over the period 2000-2008. The data allow us to create a novel and reliable measure of director independence. We report many new findings. Bank board independence increases rapidly and substantially in the pre-crisis period, peaking at abou...

  17. Crash Testing German Banks

    OpenAIRE

    Klaus Duellmann; Martin Erdelmeier

    2009-01-01

    In this paper we stress-test credit portfolios of twenty-eight German banks based on a Merton-type multifactor credit-risk model. The stress scenario is an economic downturn in the automobile sector. Although the percentage of loans in the automobile sector is relatively low for all banks in the sample, the expected loss conditional on the stress event increases substantially by 70–80 percent for the total portfolio. This result confirms the need to account for hidden sectoral concentration r...

  18. Some banking activities of the Islami Bank Bangladesh Ltd.

    Directory of Open Access Journals (Sweden)

    Dr. Abu Zafar Mahmudul Haq

    2013-02-01

    Full Text Available Banking sectors of Bangladesh are not going well in terms of investment. Among different banks in Bangladesh, Islami Bank Bangladesh Limited (IBBL is running good for the modes of investment. So this study is conducted of the investment modes of this bank. Study is based on secondary information of the IBBL and opinion survey among twenty clients which has been done through convenient sampling on a purposively selected branch. It concludes that trend of investment of the IBBL runs well.

  19. The Effect of Banks Merger on Electronic Banking Services Competency

    OpenAIRE

    Ahmad Z. Siam

    2009-01-01

    Problem statement: This study is conducted to present benefits and consequences of latest technology used in banking industries. In addition, it has focused on the dynamics of banking sector, electronic banking services and new courses especially with mergers that constitute most of these mechanisms. Approach: The study discussed this new activity and the extent of response level of services while the need, wants and demands of customers are met. Furthermore, how banks deal with such services...

  20. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    OpenAIRE

    Chian-Son Yu

    2014-01-01

    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, resou...

  1. Bank Risk Measurement: A Critical Evaluation at a European Bank

    OpenAIRE

    Gunnar Wahlström

    2013-01-01

    This article assesses bank management’s perspective on the use and effectiveness of the risk measurement system under Basel II that setcapital requirements for banks. These requirements encouraged the use of risk measurement. Semi-structured interviews with various bank managers at Viking Bank (a fictitious name) provide the empirical data for this research. These interviews were conducted after the global financial crisis that led, among other events, to the bankruptcy of Lehman Brothers. Vi...

  2. Some banking activities of the Islami Bank Bangladesh Ltd.

    OpenAIRE

    Dr. Abu Zafar Mahmudul Haq

    2013-01-01

    Banking sectors of Bangladesh are not going well in terms of investment. Among different banks in Bangladesh, Islami Bank Bangladesh Limited (IBBL) is running good for the modes of investment. So this study is conducted of the investment modes of this bank. Study is based on secondary information of the IBBL and opinion survey among twenty clients which has been done through convenient sampling on a purposively selected branch. It concludes that trend of investment of the IBBL runs well.

  3. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  4. Benefits and risks of the subcutaneous immunotherapy with acari extracts in allergic rhinoconjunctivitis and bronchial asthma

    Directory of Open Access Journals (Sweden)

    Olimpio Rodríguez-Santos

    2014-12-01

    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.

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

  6. Keeping Banking Competitive: Evaluating Proposed Bank Mergers and Acquisitions

    OpenAIRE

    Darwish, Nisreen

    2014-01-01

    All bank mergers and acquisitions (M&A) require the approval of regulators. This article describes the methods used by the Federal Reserve to evaluate whether a bank merger or acquisition is acceptable under federal antitrust laws and its Board of Governors’ bank competition policy.

  7. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

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

  8. MODELS OF BANKING RISKS MANAGEMENT

    OpenAIRE

    Bente Corneliu Cristian

    2009-01-01

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

  9. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  10. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

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

  11. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  12. Chinese Commercial Banks Risk Management Practices: A Research in China Banking Risk Management

    OpenAIRE

    Wang, Xiaoling

    2006-01-01

    This dissertation uses a qualitative research approach, and examines the importance and its current situation of banks risk management in China banking. The commercial banking analysis covers China state-own commercial banks and joint-stock commercial banks as well as local city commercial banks, but mainly analysis stems from state-owned and joint-stock commercial banks, excluding foreign banks in China. In addition, this dissertation reveals that China Center Bank and China Bank Regulatory ...

  13. Inconsistent Regulators: Evidence From Banking

    OpenAIRE

    Sumit Agarwal; David Lucca; Amit Seru; Francesco Trebbi

    2012-01-01

    US state chartered commercial banks are supervised alternately by state and federal regulators. Each regulator supervises a given bank for a fixed time period according to a predetermined rotation schedule. We use unique data to examine differences between federal and state regulators for these banks. Federal regulators are significantly less lenient, downgrading supervisory ratings about twice as frequently as state supervisors. Under federal regulators, banks report higher nonperforming loa...

  14. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    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...

  15. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  16. Banking Crises and Financial Integration

    OpenAIRE

    Caballero, Julian

    2012-01-01

    This paper explores whether the level of financial integration of banks in a country increases the incidence of systemic banking crises. The paper uses a de facto proxy for financial integration based on network statistics of banks participating in the global market of interbank syndicated loans. Specifically, the network statistics degree and betweenness are used to proxy for the de facto integration of the average bank in a country. The paper fits a count data model in the cross-section for...

  17. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  18. Bank panics in transition economies

    OpenAIRE

    Niinimäki, Juha-Pekka

    2002-01-01

    This paper discusses recent bank runs in seven transition economies (Russia, Bulgaria, Estonia, Hungary, Latvia, Lithuania and Romania), comparing them against the older US experience and theoretical research. Bank runs seem to usually be information based. For example, improvements in bank transparency such as new accounting rules can reveal a bank’s insolvency and trigger a run. However, bank runs, as seen a few years ago in East Asia, Bulgaria and Russia, may also be accompanied by runs on...

  19. Innovative Secure Mobile Banking Services

    OpenAIRE

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

    2011-01-01

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

  20. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  1. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

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

  2. Career Concerns of Banking Analysts

    OpenAIRE

    Horton, Joanne; Serafeim, Georgios; Wu, Shan

    2015-01-01

    We study how career concerns influence banking analysts’ forecasts and how their forecasting behavior benefits both them and bank managers. We show that banking analysts issue early in the year relatively more optimistic and later in the year more pessimistic forecasts for banks that could be their future employers. This pattern is not observed when the same analysts forecast earnings of companies that are not likely to be their future employers. Moreover, we use the Global Settlement as an e...

  3. Internet Banking: Boon or Bane ?

    OpenAIRE

    Bala Shanmugam

    2004-01-01

    There is little doubt that the Internet has revolutionized the entire communication system. As much as banking involves communication in one way or the other, banks have joined the communication bandwagon. Having observed the astronomical growth rate and acknowledging the potential banks adapting and often adapting the Internet to suit their functions and roles. As in any new venture there are setbacks in terms of issue of security and associated costs. As a consequence banks are working towa...

  4. Credit risk in Egyptian banks

    OpenAIRE

    Abdou, Hussein

    2006-01-01

    This research aims to identify the currently used techniques in evaluating credit risk in Egypt’s banking sector, then to evaluate these techniques and to develop model(s) to evaluate credit risk in Egyptian banks. In a pilot study, the researcher conducted informal interviews with key personnel in three of the Egyptian banks, in order to evaluate credit risk policies. The pilot study showed that these banks do not use any of the statistical techniques in the evaluation pr...

  5. Traditional versus shadow banking

    OpenAIRE

    Bryan J. Noeth; Wolla, Scott A.

    2012-01-01

    Modern economies rely heavily on financial intermediaries to channel funds between borrowers and lenders. In the first edition of the Page One Economics Newsletter, the role of traditional banking is outlined and a parallel system—shadow banking—is explored.

  6. How Banks Create Money.

    Science.gov (United States)

    Beale, Lyndi

    This teaching module explains how the U.S. banking system uses excess reserves to create money in the form of new deposits for borrowers. The module is part of a computer-animated series of four-to-five-minute modules illustrating standard concepts in high school economics. Although the module is designed to accompany the video program, it may be…

  7. Shadow banking in China

    OpenAIRE

    Li, Jianjun; Hsu, Sara

    2012-01-01

    This is an English summary of a 300-page report produced by Jianjun Li, Sara Hsu and Guangning Tian, “The Annual Report of China Shadow Banking System,” Project Sponsored by the National Natural Science Foundation of China, Project Number 71173246,

  8. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

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

  9. The Green Bank Telescope

    Science.gov (United States)

    Prestage, R. M.; Constantikes, K. T.; Hunter, T. R.; King, L. J.; Lacasse, R. J.; Lockman, F. J.; Norrod, R. D.

    2009-08-01

    The Robert C. Byrd Green Bank Telescope of the National Radio Astronomy Observatory is the world's premiere single-dish radio telescope operating at centimeter to long millimeter wavelengths. This paper describes the history, construction, and main technical features of the telescope.

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  11. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  12. Norges Bank Watch 2009

    OpenAIRE

    BERGMAN, MICHAEL; Juel, Steinar; Steigum, Erling, Jr

    2009-01-01

    This report evaluates the conduct of monetary policy in Norway in 2008. We will not discuss the institutional framework for monetary policy. The report offers, however, an evaluation of the new price index, CPIXE, which Norges Bank adopted in 2008 for measuring underlying inflation.

  13. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  14. 77 FR 12584 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-01

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

  15. 77 FR 56209 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-12

    ... 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...

  16. 78 FR 75349 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-11

    ... 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...

  17. 78 FR 42522 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-16

    ... 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...

  18. 76 FR 21367 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-15

    ... 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...

  19. 78 FR 50056 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-16

    ... 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...

  20. 77 FR 4560 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-30

    ... 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...

  1. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

    ... 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...

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

    Science.gov (United States)

    2013-07-09

    ... 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...

  3. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

    ... 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...

  4. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

    ... 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...

  5. 77 FR 14368 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-09

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

  6. 77 FR 69454 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-19

    ... 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...

  7. 75 FR 66762 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-29

    ... 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...

  8. 77 FR 40058 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-06

    ... 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....

  9. 75 FR 1621 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-12

    ... 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...

  10. 75 FR 63183 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-14

    ... 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...

  11. 78 FR 65311 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-31

    ... 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...

  12. 78 FR 70300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-25

    ... 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...

  13. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

    ... 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...

  14. 78 FR 37222 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-20

    ... 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...

  15. 77 FR 42312 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-18

    ... 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...

  16. 78 FR 22879 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-17

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

  17. 75 FR 70004 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-16

    ... 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...

  18. 78 FR 59689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-09-27

    ... 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...

  19. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

    ... 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...

  20. 78 FR 2273 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-10

    ... 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...

  1. 76 FR 28435 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-05-17

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

  2. 77 FR 29643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-18

    ... 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...

  3. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

    ... 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...

  4. 78 FR 23565 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-19

    ... 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...

  5. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

    ... 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...

  6. 77 FR 26280 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-03

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

  7. 75 FR 65484 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-25

    ... 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...

  8. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

    ... 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...

  9. 77 FR 67365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-09

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

  10. 76 FR 40365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-08

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

  11. 78 FR 78357 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-26

    ... 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...

  12. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

    ... 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...

  13. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

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

  14. 78 FR 7430 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-02-01

    ... 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...

  15. 78 FR 68073 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-13

    ... 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...

  16. 75 FR 65631 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-26

    ... 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...

  17. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

    ... 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...

  18. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

    ... 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...

  19. 77 FR 29347 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-17

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

  20. 75 FR 78705 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-16

    ... 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...

  1. 76 FR 38178 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-29

    ... 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...

  2. 76 FR 11781 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-03

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

  3. 76 FR 41259 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-13

    ... 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...

  4. 78 FR 33092 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

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

  5. 78 FR 25273 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-30

    ... 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...

  6. 77 FR 26759 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-07

    ... 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...

  7. 78 FR 31549 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-24

    ... 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...

  8. 77 FR 32637 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-01

    ... 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...

  9. 77 FR 31855 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-30

    ... 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...

  10. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

    ... 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...

  11. 78 FR 67146 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-08

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

  12. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

    ... 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...

  13. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

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

  14. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    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 banking has developed new banking practices.

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

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

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

  16. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Federal Register on January 10, 2013 (78 FR 2290). The subject firm supplies banking and financial... ``Project Manager for PNC Bank at Tata Consultancy Services'' in India. The request also states that...

  17. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  18. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  20. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  1. Two new families (Acari: Alicorhagiidae and Platyhelminthes: Prorhynchidae) reported for the Hungarian fauna From leaf litter in the Bükk Mountains

    OpenAIRE

    Pfliegler, W.P.; Bolton, S.J.

    2016-01-01

    Two new members of the Hungarian fauna are reported, both of them were collected in beech forest leaf litter in the Bükk Mountains, North-East Hungary: Alicorhagia fragilis Berlese, 1910 (Arthropoda: Arachnida: Acari: Sarcopti-formes: Endeostigmata: Alicorhagiidae) and Geocentrophora baltica (Kennel, 1883) (Platyhelminthes: Rhabditophora: Trepaxonemata: Amplimatricata: 'Lecithoepitheliata': Prorhynchida: Prorhynchidae). The families Alicorhagiidae and Prorhynchidae both represent...

  2. Evaluation of corn plant as potential banker plant for supporting predatory gall Midge, Feltiella acarisuga (Diptera: Cecidomyiidae) against Tetranychus urticae (Acari: Tetranychidae) in greenhouse vegetable production

    Science.gov (United States)

    The twospotted spider mite, Tetranychus urticae Koch (Acari: Tetranychidae), is one of the most important and highly polyphagous pests of vegetables and other crops worldwide. In this study, several experiments were conducted under laboratory and greenhouse conditions to evaluate whether corn plant ...

  3. A review of mites of the genus Neharpyrhynchus Fain (Acari: Harpirhynchidae) - ectoparasites of wild birds, including description of four new species

    Czech Academy of Sciences Publication Activity Database

    Martinů, J.; Dusbábek, František; Literák, I.

    2008-01-01

    Roč. 34, č. 2 (2008), s. 197-209. ISSN 0164-7954 Institutional research plan: CEZ:AV0Z60220518 Keywords : Acari * Neharpyrhynchus * Harpirhynchidae * mites * bird s * Czech Republic Subject RIV: EG - Zoology Impact factor: 0.438, year: 2008

  4. A new species of Aculops (Acari: Prostigmata: Eriophyidae) from Serbia on Dipsacus laciniatus L. (Dipsacaceae), a weed target of classical biological control in the United States of America

    Science.gov (United States)

    The new eriophyid mite species Aculops dipsaci n. sp. (Acari: Prostigmata: Eriophyidae) collected from Dipsacus laciniatus L. (Dipsacaceae) in northern Serbia is described and illustrated. Differential diagnosis is provided in comparison with Aculops salixis Xue, Song and Hong. This is the first e...

  5. Molecular characterization of a new monopartite dsRNA mycovirus from mycorrhizal Thelephora terrestris (Ehrh.) and its detection in soil oribatid mites (Acari: Oribatida)

    Czech Academy of Sciences Publication Activity Database

    Petrzik, Karel; Sarkisova, Tatiana; Starý, Josef; Koloniuk, Igor; Hrabáková, Lenka; Kubešová, Olga

    2016-01-01

    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: 3.321, year: 2014

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

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

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

  7. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

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

  8. 12 CFR 7.3000 - Bank hours and closings.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank hours and closings. 7.3000 Section 7.3000 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Operations § 7.3000 Bank hours and closings. (a) Bank hours. A national bank's board of...

  9. Progress in the complete mitochondrial genomes of the Acari%蜱螨线粒体基因组研究进展

    Institute of Scientific and Technical Information of China (English)

    袁明龙; 王进军

    2012-01-01

    Acari, including ticks and mites, is one of the most diverse group of arthropods. In this paper, we reviewed the research progress in the 28 sequenced complete mitochondrial genomes of acari species. These mitochondrial genomes have several marked features; (1) There is significant variation in the size of mitochondrial genomes among the 28 acari species, and the mitochondrial genome of Panonychus citri (13 077 bp) is the smallest among all sequenced arthropods; (2) The base composition of all acari mitochondrial genomes are biased toward A and T, with six species harboring reverse GC-skew values (positive value) ; (3) The base composition and the position, length, copy number of the A +T-rich regions vary greatly among the 28 acari species, of which four tetranychid species harbor the highest A +T content within acari and the shortest A +T-rich region (44-57 bp) among arthropods; (4) High gene rearrangements are found in acari mitochondrial genomes, especially in those of Acariformes, but the rearrangements are not correlated to high taxonomic ranks; (5) The tRNA genes in some species of Acariformes are extremely truncated, presenting atypical cloverleaf structures. We suggest that it is necessary to sequence more acari mitochondrial genomes aiming to investigate whether these tRNA genes lacking both D- and T-arms are functional or not, to analyze the molecular mechanisms of evolution in acari mitochondrial genomes, and to carry out the acari mitochondrial transcriptome studies.%蜱螨亚纲包括蜱类和螨类,是节肢动物中物种多样性最高的类群之一.本文综述了当前已测序的28种蜱螨线粒体基因组的研究成果.概括起来,蜱螨线粒体基因组具有以下特点:(1)大小变异显著,其中柑橘全爪螨Panonychus citri线粒体基因组在目前已测节肢动物中最小(13077 bp);(2)一般碱基组成偏向A和T,但6种蜱螨具有相反的GC-偏斜(正值);(3)基因组的碱基组成及A+T富集区的位置、长度和

  10. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

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

  11. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  12. 12 CFR 7.2024 - Staggered terms for national bank directors and size of bank board.

    Science.gov (United States)

    2010-01-01

    ... size of bank board. 7.2024 Section 7.2024 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF... bank directors and size of bank board. (a) Staggered terms. Any national bank may adopt bylaws that... bylaws so amended. (b) Maximum term. Any national bank director may hold office for a term that does...

  13. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

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

  14. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

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

  15. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  16. Georges Bank conflict resolved

    Science.gov (United States)

    Robb, David W.

    1984-04-01

    The International Court of Justice has resolved the long-term conflict between the United States and Canada over claims to mineral and living resources lying along the countries' common Atlantic maritime border. On October 12, in a 4-1 decision, the World Court rejected the United States' claim to the entire Georges Bank area, a region of the Continental Shelf off Massachusetts and Nova Scotia that is a prime fishing ground and is believed to have good potential for oil and gas deposits as well. The disputed area is roughly the top third of the Georges Bank area. The court awarded each country approximately half of this disputed area. No appeals are allowed under this decision.

  17. Measuring Central Bank Communication:

    OpenAIRE

    David Lucca; Francesco Trebbi

    2008-01-01

    We present a new automated, objective and intuitive scoring method to measure the content of central bank communication about future policy rate moves. We apply the methodology to statements released by the Federal Open Market Commitee (FOMC) after monetary policy meetings. Using high-frequency financial data, we find that yields on short-term risk-free nominal rates respond both to changes in policy rates and the content of the statements, whereas, medium and long-term rates only respond to ...

  18. Filter Bank Fusion frames

    OpenAIRE

    Chebira, Amina; Fickus, Matthew; Mixon, Dustin G.

    2011-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using ...

  19. THE BANK PAYMENT OBLIGATION

    Directory of Open Access Journals (Sweden)

    Nikita YUrevich DENISOV

    2015-02-01

    Full Text Available In clause the attention of essence and is paid to features ВРО, as tool of interbank calculations applied with recent times in sphere of international trade. The author, com-paring the bank payment obligation with the documen-tary letter of credit, allocates its advantages and brings to a focus to lacks on the basis of what does conclusions concerning a scope and economic expediency of the new tool.

  20. Norges Bank Watch 2005

    OpenAIRE

    Dørum, Øystein; Holden, Steinar; Isachsen, Arne Jon

    2005-01-01

    Monetary policy in Norway is quite successful. The series of cuts in the signalling rate starting in December 2002, and a low interest rate during 2004, seems the appropriate policy choice. The analyses on monetary policy done in the Bank document a highly competent staff. Communication with the market is good and steadily improving. Not surprisingly, there is still room for improvement in the conduct of monetary policy in Norway. Those areas should receive particular attention in a Report li...

  1. Norges Bank Watch 2011

    OpenAIRE

    Bjørnland, Hilde C.; Wilhelmsen, Bjørn Roger

    2011-01-01

    Each year the Centre for Monetary Economics (CME) at The Department of Economics, BI Norwegian School of Management appoints an independent group of experts to evaluate monetary policy in Norway. The Ministry of Finance partly funds the Norges Bank Watch reports, which contain useful information and analyses for the Ministry’s evaluation of monetary policy that is presented each year in a White Paper to Parliament.

  2. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  3. Bank Liabilities Channel

    OpenAIRE

    Quadrini, Vincenzo

    2014-01-01

    The financial intermediation sector is important not only for channeling resources from agents in excess of funds to agents in need of funds (lending channel). By issuing liabilities it also creates financial assets held by other sectors of the economy for insurance purpose. When the intermediation sector creates less liabilities or their value falls, agents are less willing to engage in activities that are individually risky but desirable in aggregate (bank liabilities channel). The paper st...

  4. Bank Liabilities Channel

    OpenAIRE

    Vincenzo Quadrini

    2015-01-01

    The financial intermediation sector is important not only for channeling resources from agents in excess of funds to agents in need of funds (lending channel). By issuing liabilities it also creates financial assets held by other sectors of the economy for insurance purpose. When the intermediation sector creates less liabilities or their value falls, agents are less willing to engage in activities that are individually risky but desirable in aggregate (bank liabilities channel). The paper st...

  5. Banking Software Applications Security

    OpenAIRE

    Ioan Alexandru Bubu

    2015-01-01

    Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current softwa...

  6. Crowdfunding: disintermediated investment banking

    OpenAIRE

    Rubinton, Brian J

    2011-01-01

    This paper introduces crowdfunding as a concept and model for the evolution of investment banking. Crowdfunding, an application of crowdsourcing, is defined as one party’s attempt to finance a project by offering three types of investment opportunities to potential investors. The investment opportunities are donations, passive investments, and active investments. From this foundation I develop a model in which interdependent agents operate in a dynamic, discrete setting. Potential investors d...

  7. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  8. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  9. Analisis Kinerja Keuangan Bank Sebelum dan Sesudah Diakuisisi oleh Investor Asing: Studi Empiris pada Bank Central Asia dan Bank Niaga

    OpenAIRE

    Yen Sun

    2011-01-01

    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 ...

  10. Internet Banking and the question of Bank Run: lesson from the Northern Rock Bank case

    Directory of Open Access Journals (Sweden)

    Nathalie Janson

    2009-10-01

    Full Text Available The subprime crisis triggered a series of bankruptcies and bank runs at a level never experienced since the Great Depression. The banking environment radically changed since the 1930’s, in particular the development of infor mation technology decreases considerably the cost of information. Furthermore internet banking increases severely the speed at which the demand for withdrawals are addressed to troubled banks. In the past demand for withdrawals could be slow down by fact t hat depositors had to physically « queue » and by the existence of opening hours of banks branches. Given these new circumstances a liquidity shortage may have an even more severe consequence on a bank since the delay between the « bad news » and the bank run can shorten dramatically. Indeed the Northern Rock Bank case in Great Britain illustrates that situation where a bank unable to borrow from its peers in the interbank market is within few hours ran by its depositors. The aim of the paper is to analyze the consequences of the major instability introduced by internet banking on the bank’s ability to manage a liquidity crisis and an opportunity to discuss further the so - called “endemic instability” of the fractional reserve banking system

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

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  12. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  14. UMBILICAL CORD BLOOD BANKS. ETHICAL ASPECTS. PUBLIC VERSUS PRIVATE BANKS

    Directory of Open Access Journals (Sweden)

    Justo Aznar Lucea

    2012-01-01

    Full Text Available 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.

  15. Bank Debt Regulations Implications for Bank Capital and Bond Risk

    OpenAIRE

    Stig Helberg; Snorre Lindset

    2013-01-01

    We use a structural model of default risk to study how optimal bank capital and bond risk are influenced by deposit insurance, implicit guarantees, depositor preference, asset encumbrance, and bail-in resolution frameworks. We find that these features of bank financing, in addition to having an immediate impact on bond debt risk, also change optimal bank capital, countering the first-order effect on bond debt risk. Bondholders' risk is thereby not materially affected, but shareholder value an...

  16. Should Banks Be Diversified? Evidence from Individual Bank Loan Portfolios

    OpenAIRE

    Acharya, Viral V; Iftekhar Hasan; Anthony Saunders

    2006-01-01

    We study empirically the effect of focus (specialization) vs. diversification on the return and the risk of banks using data from 105 Italian banks over the period 1993-1999. Specifically, we analyze the tradeoffs between (loan portfolio) focus and diversification using a unique data set that is able to identify individual bank loan exposures to different industries, to different sectors, and to different geographical regions. Our results are consistent with a theory that predicts a deteriora...

  17. Performance of Tunisian Banks Following Transformations of Banking Activities

    OpenAIRE

    Bassem Salhi; Younes Boujelbene

    2012-01-01

    This article aims to study the impact of new forms of banking intermediation on the performance of Tunisianbanks. The analysis was conducted on a sample of 10 Tunisian banks for a period of analysis that spans 13 years,from 1997 until 2009. To make better use of our database, we have utilized the panel data technique.Our empirical validation shows that the context of bank intermediation is still traditional, despite the reforms offinancial liberalization; they still carry the traditional busi...

  18. Banking Governance and Risk: The Case of Tunisian Conventional Banks

    OpenAIRE

    Rachdi Houssem; Trabelsi Mohamed Ali; Trad Naama

    2013-01-01

    Banks are in the business of taking risks. The 3 pillars of Basel II capital accord highlight the crucial role of informative risk disclosures in enhancing market discipline. The specific role and responsibilities of the board of directors or supervisory boards in banking institutions continue, however, to fuel debate. Findings of the literature are often inconclusive. The main contribution of this study is examining how board characteristics affect risk in banking industry. We explore this r...

  19. An IDS Assessment of Electronic Banking Performance in Retail Banking

    OpenAIRE

    David-West, Olayinka

    2012-01-01

    The adoption of electronic self-service systems (SSTs), using informationtechnology (IT) devices and channels, for the provision of banking services(also known as electronic banking or e-banking) has evolved in the last decadein emerging markets. In Nigeria, for instance, this development is driving themovement towards a cashless economy. These services, however, are fraughtwith problems ranging from incidents of fraud, empty automated teller machines(ATMs), the inability of the ATMs to dispe...

  20. Ownership Concentration and Bank Performance: Evidence from MENA Banks

    OpenAIRE

    Rim Boussaada; Majdi Karmani

    2015-01-01

    This paper analyzes the impact of ownership concentration on MENA banks’ performance over the period 2004-2011. The sample includes 38 commercial banks belonging to ten countries of the MENA region. We use an econometric method that deals with the endogeneity problems that have arisen in the corporate governance literature. We show that ownership concentration is significant in explaining performance differences between MENA banks. Our analysis shows that bank performance depends on the ident...

  1. Banking and the Macroeconomy in China: A Banking Crisis Deferred?

    OpenAIRE

    Le, Vo Phuong Mai; Matthews, Kent; Meenagh, David; Minford, Patrick; Xiao, Zhiguo

    2013-01-01

    The downturn in the world economy following the global banking crisis has left the Chinese economy relatively unscathed. This paper develops a model of the Chinese economy using a DSGE framework with a banking sector to shed light on this episode. It differs from other applications in the use of indirect inference procedure to test the fitted model. The model finds that the main shocks hitting China in the crisis were international and that domestic banking shocks were unimportant. However, d...

  2. Banks and sovereign risk: A granular view

    OpenAIRE

    Buch, Claudia M.; Koetter, Michael; Ohls, Jana

    2013-01-01

    In this paper, we use detailed data on the sovereign debt holdings of all German banks to analyse the determinants of sovereign debt exposures and the implications of sovereign exposures for bank risk. Our main findings are as follows. First, sovereign bond holdings are heterogeneous across banks. Larger, weakly capitalised banks and banks with a small depositor base hold more sovereign bonds. Around 31% of all German banks hold no sovereign bonds at all. Second, the sensitivity of banks to m...

  3. Bank ties and firm performance in Japan

    OpenAIRE

    McGuire, Patrick

    2015-01-01

    Since the mid-1990s, major Japanese banks have sold off a significant portion of their holdings of corporate equity. Using information on the identity of Japanese firms' top 10 shareholders, this paper explores the process of banks' equity disposal. There is some evidence that, after FY2001, banks' sales of equity accelerated, even holdings in firms for which the bank served as the main bank. However, affiliation with a main bank - proxied by firm-bank loan and shareholding ties - continues t...

  4. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  5. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

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

  6. A new species of Litarachna (Acari, Hydrachnidia, Pontarachnidae from a Caribbean mesophotic coral ecosystem

    Directory of Open Access Journals (Sweden)

    Vladimir Pesic

    2014-07-01

    Full Text Available New records of pontarachnid mites (Acari: Hydrachnidia from the Caribbean island of Puerto Rico are presented. Litarachna lopezae sp. n., from substrata collected from Bajo de Sico, a mesophotic coral reef ecosystem in Mona Passage off Puerto Rico, is described as new to science. The new species was collected from nearly 70 m depth, the greatest depth from which pontarachnid mites have been found until now. In addition, a Litarachna sp. was also found in association with the tube of the polychaete Sabellastarte magnifica (Shaw, 1800 at the shallow waters of north Puerto Rico.

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

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

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

  8. BankCaR (Bank Capital-at-Risk): A credit risk model for US commercial bank charge-offs

    OpenAIRE

    Frye, Jon; Pelz, Eduard

    2008-01-01

    BankCaR is a credit risk model that forecasts the distribution of a commercial bank's charge-offs. The distribution depends only on systematic factors; BankCaR takes each bank and projects its expected charge-off across a distribution of good years and bad years. Since most bank failures occur in bad years, this analysis has promise for both banks and bank supervisors. In BankCaR, charge-offs depend on the bank's loan balances and the charge-off rates of twelve categories of lending. A joint ...

  9. 78 FR 62333 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-17

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

  10. 76 FR 16776 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-25

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors... Apple Valley, Minnesota; to acquire voting shares of Bridgewater Bancshares, Inc., and...

  11. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors..., Minneapolis, Minnesota 55480-0291: 1. Sharon Bauman, Apple Valley, Minnesota; Virginia Bauman,...

  12. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  13. MANAGING OPERATIONAL RISK IN BANKS

    Directory of Open Access Journals (Sweden)

    Victoria STANCIU

    2010-01-01

    Full Text Available Recent years have emphasized focus on risk management, and it became clear that there is an urgent need for a robust framework to effectively manage risk. The financial and economic crisis showed the importance of a strong risk management process and forced banks to take a critical look at how they manage risks. Romanian banking system has known significant changes determined by the implementation of Basel II requirements. These requirements determined an important effort of the banks to improve their risk management process.Operational risk is considered a significant risk and has an important impact on banks activity and results. Now, there is a clear effort of the banks for applying more advanced methods on operational risk so that their control and management to be improved. The present paper presents the specificity of the operational risk management and the author’s solution for the operational risk management in banks.

  14. Oligopoly banking and capital accumulation

    OpenAIRE

    Nicola Cetorelli; Pietro F. Peretto

    2000-01-01

    We develop a dynamic general equilibrium model of capital accumulation where credit is intermediated by banks operating in a Cournot oligopoly. The number of banks affects capital accumulation through two channels. First, it affects the quantity of credit available to entrepreneurs. Second, it affects banks' decisions to collect costly information about entrepreneurs, and thus determines the efficiency of the credit market. We show that under plausible conditions, the market structure that ma...

  15. Bank Share Prices and Profitability

    OpenAIRE

    Daniel Daugaard; Tom Valentine

    1993-01-01

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

  16. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia García

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks’ branches is also a relevant issue as any significant improvement in cash management at the bank ...

  17. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  18. STRATEGIC MANAGEMENT IN COMMERCIAL BANKS

    OpenAIRE

    Stelian PÂNZARU

    2011-01-01

    The current state of development of financial markets and financial system, and environmental developments in which they operate have imposed a different perspective approach to economic risk issues generally and the banking in particular. Until the 1970s the banking risks took into consideration just the credit risks in the bank’s relationships with customers and the payment system; as instability has already become a dominant feature of the economic environment, banks face new risks. To mee...

  19. Customer Loyalty in Internet Banking

    OpenAIRE

    Y. Aysha Fathima; S. Muthumani

    2015-01-01

    In the era of challenges and cut throat competition in banking sector it has become inevitable for the banks to devise defensive strategies to retain their customers and build customer loyalty. The main aim of this study is to examine the factors affecting customer loyalty in online banks. To achieve this purpose, a detailed review of relevant literature was made and seven constructs were identified for the study. A survey was conducted and data was collected with a structured questionnaire. ...

  20. Managing Operational Risk In Banks

    OpenAIRE

    Victoria STANCIU

    2010-01-01

    Recent years have emphasized focus on risk management, and it became clear that there is an urgent need for a robust framework to effectively manage risk. The financial and economic crisis showed the importance of a strong risk management process and forced banks to take a critical look at how they manage risks. Romanian banking system has known significant changes determined by the implementation of Basel II requirements. These requirements determined an important effort of the banks to impr...

  1. Strategic online-banking adoption

    OpenAIRE

    Roberto Fuentes; Rubén Hernández-Murillo; Gerard Llobet

    2007-01-01

    In this paper we study the determinants of banks’ decision to adopt a transactional website for their customers. Using a panel of commercial banks in the United States for the period 2003-2006, we show that although bank-specific characteristics are important determinants of banks’ adoption decisions, competition also plays a prominent role. The extent of competition is related to the geographical overlap of banks in different markets and their relative market share in terms of deposits. In m...

  2. Real effects of bank competition

    OpenAIRE

    Nicola Cetorelli

    2004-01-01

    Does banking market power contribute to the formation of non-financial industries populated by few, large firms, or does it instead enhance industry entry? Theoretical arguments could be made to support either side. The banking industry of European Union (EU) countries has been significantly deregulated in the early 1990s. Under the old regime, cross-border expansions were heavily constrained, while after deregulation banks from EU countries have instead been allowed to branch freely into oth...

  3. French banks performance in 2012.

    OpenAIRE

    Capitaine G.; Guilmo J.; Mercier L.; Point E.

    2013-01-01

    In a challenging economic environment for 2012, characterised by a 0.6% drop in Eurozone GDP, the French largest banking groups benefited from the stabilisation of markets following decisive actions by the European Central Bank (ECB) introducing Very Long Term Refinancing Operation (VLTRO) and Outright Monetary Transactions (OMT). In 2012 the top 6 French banking groups generated an aggregated profit after tax of EUR 8.4 billion, sharply down, as compared with EUR 14.5 billion in 2011, owing ...

  4. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

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

  5. Risk management in Islamic banks

    OpenAIRE

    Helmy, Mohamed

    2012-01-01

    The use of financial services and products that comply with the Shariah principles cause special issues for supervision and risk management. Efficient risk management in Islamic banking has assumed particular importance as they try to cope with the challenges of globalization. This paper highlights the special and general risks surrounding Islamic banking. It also explains the key challenges ahead to promote further development of Islamic banking in the global financial syst...

  6. Current trends of banking innovations

    OpenAIRE

    A.M. Karminskiy; O.R. Zhdanova

    2013-01-01

    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...

  7. 12 CFR 944.6 - Bank community support programs.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank community support programs. 944.6 Section 944.6 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION COMMUNITY SUPPORT REQUIREMENTS § 944.6 Bank community support programs. (a) Requirement. Consistent with the safe and sound operation of the Bank, each Bank...

  8. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  9. Spanish National Dosimetry Bank

    International Nuclear Information System (INIS)

    The National Dosimetry Bank (BDN) was designed to be a useful instrument for the protection of exposed workers. On the basis of individual doses, in conjunction with the type of facility where they were received and the type of work involved, it is possible to monitor and control the individual conditions of an exposed worker. In addition to this primary objective, the BDN's structure and utilities are such that it can be used for applications such as determining the suitability of the working conditions in various areas of ionizing radiation applications, evaluating exposure trends and the most affected areas, and supplying statistical data that can be used for legal studies

  10. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    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)

  11. The ENZYME data bank.

    Science.gov (United States)

    Bairoch, A

    1994-01-01

    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). PMID:7937072

  12. Norges Bank Watch 2006

    OpenAIRE

    Dørum, Øystein; Holden, Steinar

    2006-01-01

    Overall, monetary policy in Norway is quite successful. The interest rate setting in the past 2-3 years has contributed to a strong development of the Norwegian economy, without sacrificing price stability. Now, the issue is when and by how much monetary policy should be tightened, to avoid an excessive stimulation of the economy. Since the adoption of an inflation target five years ago, Norges Bank has been determined to learn and improve, as well as to being open and transparent. The Ban...

  13. Image data bank

    International Nuclear Information System (INIS)

    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

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

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

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

  15. Risk premia in banking and the macroeconomy

    OpenAIRE

    Gersbach, Hans; Wenzelburger, Jan

    2004-01-01

    This paper discusses the relationship between premia for macroeconomic risk in banking, aggregate behavior, and banking crises. We consider a competitive banking system embedded in an overlapping generation model subject to repeated macroeconomic shocks. We highlight how risk premia decline when bank equity decreases and identify potential vicious circles that may lead to banking crises.

  16. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  17. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  18. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

  19. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

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

  20. 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

    Directory of Open Access Journals (Sweden)

    Fabrício Fagundes Pereira

    2005-08-01

    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.

  1. EVIDENCE ON E-BANKING QUALITY IN THE CHINA COMMERCIAL BANK SECTOR

    OpenAIRE

    Zhengwei Ma; Luying Ma; Jinkun Zhao

    2011-01-01

    In the global bank sector, cost savings potential and speed of information transmission are reason to rapidly develop E-banking. In China, there are 130 commercial banks, most of which supply E-banking service to their customers. This paper analyzes factors that influence E-banking quality in the commercial bank sector in China. The results will help financial organizations formulate appropriate marketing strategies for E-banking, and commercial banks to increase customer satisfaction. Based ...

  2. Analyzing Factors Influencing Virtual Bank Acceptance as New Generation of e-Banking

    OpenAIRE

    Ali Sanayei; Arash Shahin; Hamideh Salimian

    2014-01-01

    Abstract Electronic banking is one of the electronic commerce tools that has been accepted by the banking industry. Development of electronic banking activities based on information and communication technology has caused the emergence of another type of bank, which is called virtual bank that performs its products and services through electronic distribution channels without branch. Due to the differences between virtual bank and electronic banking and the importance of virtual bank activ...

  3. World Bank Group and World Bank Corporate Scorecards, October 2015

    OpenAIRE

    World Bank Group

    2015-01-01

    In July 2013, the World Bank Group launched its Strategy, outlining how it will partner more effectively with clients to help them achieve the ambitious goals of eradicating extreme poverty and boosting shared prosperity through economic growth, inclusion, sustainability and resilience. In April 2014, the World Bank Group Corporate Scorecard was launched for the first time and the World Ba...

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

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

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

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

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

  6. Cost and Profit Efficiency of Online Banks: Do National Commercial Banks Perform better than Private Banks?

    Directory of Open Access Journals (Sweden)

    Baten MA

    2015-12-01

    Full Text Available This study employs the parametric approach, in particular the Stochastic Frontier Approach, to examine the cost and profit efficiency of National Commercial Banks and Private Banks in Bangladesh using stochastic frontier model. The cost inefficiency and profit efficiency are observed slightly higher for private banks than national commercial banks. The coefficient of advance (0.334 is highly significant at 1% level and the coefficient of off-balance sheet items (0.339 is significant at 5% level. Both results are positive influence to the banks for cost model. The coefficients of Advance, Other earning assets, Off-balance sheet items, Price of fixed assets and Price of labour are recorded highly significant in profit model. The average cost inefficiency and profit efficiency are observed 16.3% and 91% respectively. The lowest cost inefficiency is 5.3% for United Commercial Bank Limited while the highest cost inefficiency is 44.7% for Janata Bank. The lowest profit efficiency is 76.9% for Janata Bank while the highest profit efficiency is 94.9% for Eastern Bank Limited.

  7. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  8. 12 CFR 225.101 - Bank holding company's subsidiary banks owning shares of nonbanking companies.

    Science.gov (United States)

    2010-01-01

    ...) apply to the aggregate amount of stock held in a particular organization by the bank holding company... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Bank holding company's subsidiary banks owning... company's subsidiary banks owning shares of nonbanking companies. (a) The Board's opinion has...

  9. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    .... 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN... banks. (a) Farm Credit Banks. No Farm Credit Bank may make or discount a loan to a borrower, if the... bank may make or discount a loan to a borrower under the authority of title I of the Act, if...

  10. Acaricidal and repellent activities of essential oil of Eucalyptus globulus against Dermanyssus gallinae (Acari: Mesostigmata

    Directory of Open Access Journals (Sweden)

    Dehghani-Samani Amir

    2015-07-01

    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.

  11. Historical review of the genus Dermanyssus Dugès, 1834 (Acari: Mesostigmata: Dermanyssidae

    Directory of Open Access Journals (Sweden)

    Roy L.

    2007-06-01

    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.

  12. Distribution of Chaetodactylus krombeini (Acari: Chaetodactylidae) within Osmia cornifrons (Hymenoptera: Megachilidae) nests: implications for population management.

    Science.gov (United States)

    McKinney, Matthew I; Park, Yong-Lak

    2013-06-01

    Chaetodactylus krombeini (Baker) (Acari: Chaetodactylidae) is a cleptoparasitic mite that negatively affects propagation of Osmia spp. (Hymenoptera: Megachilidae) for orchard pollination in the USA. This study was conducted to determine the effect of C. krombeini on mortality of male and female Osmia cornifrons, the Japanese hornfaced bee. A total of 107 O. cornifrons nests were examined to determine within-nest distribution of C. krombeini with regression analyses. A total of 30 mite-free O. cornifrons nests were observed and within-nest distribution of male and female O. cornifrons was determined with non-linear regression analyses. In addition, cocoons from 20 mite-infested O. cornifrons cells were examined to determine whether C. krombeini could be found inside cocoons of O. cornifrons. The results of this study showed that female O. cornifrons and C. krombeini were found more frequently in the inner part of the nest, and male O. cornifrons were found mostly in the center of the nest. No C. krombeini were found inside O. cornifrons cocoons. These results indicate that C. krombeini have a greater negative impact on mortality in the egg and larval stages of female O. cornifrons than in male O. cornifrons. Implications for management of C. krombeini and O. cornifrons populations for orchard pollination are discussed in this article. PMID:23100109

  13. Flagging versus dragging as sampling methods for nymphal Ixodes scapularis (Acari: Ixodidae)

    Science.gov (United States)

    Rulison, Eric L.; Kuczaj, Isis; Pang, Genevieve; Hickling, Graham J.; Tsao, Jean I.; Ginsberg, Howard S.

    2013-01-01

    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.

  14. Beat sampling accuracy in estimating spruce spider mite (Acari: Tetranychidae) populations and injury on juniper.

    Science.gov (United States)

    Shrewsbury, Paula M; Hardin, Mark R

    2004-08-01

    The use of a standardized beat sampling method for estimating spruce spider mite, Oligonychus ununguis (Jacobi) (Acari: Tetranychidae), densities on a widely used evergreen ornamental plant species, Juniperus chinensis variety 'Sargentii' A. Henry (Cupressaceae), was examined. There was a significant positive relationship between total spruce spider mite densities and spider mite densities from beat sampling on juniper. The slope and intercept of the relationship may be used by pest managers to predict total spider mite densities on plants from beat sample counts. Beat sampling dramatically underestimates the total number of spider mites on a foliage sample. The relationships between spruce spider mite feeding injury and spider mite density estimates from beat sampling juniper foliage and total spider mite counts on foliage were also examined. There was a significant positive relationship between spruce spider mite density as estimated from beat sampling and injury to the plants. There was a similar positive relationship between the total number of spruce spider mites and injury to the plants, suggesting that a pest manager could use beat sampling counts to estimate plant injury and related thresholds. These findings have important implications to decision-making for spruce spider mite control, especially as it relates to threshold levels and determining rates of predator releases. Further assessment of the effectiveness of beat and other sampling methods across multiple spider mite- host plant associations needs to be examined to enable pest managers to select sampling plans that are feasible and reliable. PMID:15384359

  15. Acaricidal activity of Juglans regia leaf extracts on Tetranychus viennensis and Tetranychus cinnabarinus (Acari: Tetranychidae).

    Science.gov (United States)

    Wang, Y N; Shi, G L; Zhao, L L; Liu, S Q; Yu, T Q; Clarke, S R; Sun, J H

    2007-08-01

    Leaf extracts of the walnut, Juglans regia L., were evaluated under laboratory conditions to determine their acaricidal activity on the mites Tetranychus cinnabarinus (Boisduval) and Tetranychus viennensis Zacher (Acari: Tetranychidae). Extracts had both contact and systemic toxicity to these mites. The four solvents tested for preparing crude extracts were petroleum ether, chloroform, ethyl acetate, and methanol. Methanol was the most efficient solvent, with an extraction rate from 17.06 + 0.80 to 20.27 +/- 0.28%. Petroleum ether was the least effective solvent, with extraction rates from 2.30 +/- 0.13 to 2.71 +/- 0.13%. However, the crude extracts with petroleum ether resulted in the highest mite mortality (79.04 +/- 0.52%) in a slide dip bioassay. Mites mortalities from the concentrated extracts prepared by chloroform, ethyl acetate, methanol, or distilled water were significantly lower than petroleum ether. The mean lethal concentrations (LC50) of the extracts from petroleum ether, chloroform, ethyl acetate, methanol, and distilled water to the two mite species were 0.73 +/- 0.04, 1.66 +/- 0.28, 4.96 +/- 0.35, 7.45 +/- 0.67, and 9.91 +/- 0.32 mg/ml, respectively. After liquid chromatography and thin-layer chromatography, the concentrated extracts of petroleum ether were separated into eight fractions and tested for acaricidal activity. Fraction 6 produced significantly higher mite mortality rates than the other groups, killing approximately 90% of both species. PMID:17849883

  16. Spatial distribution of galls caused by Aculus tetanothrix (Acari: Eriophyoidea) on arctic willows.

    Science.gov (United States)

    Kuczyński, Lechosław; Skoracka, Anna

    2005-01-01

    The distribution of galls caused by Aculus tetanothrix (Acari: Eriophyoidea) on three Salix species was studied. The factors influencing this distribution were analysed, i.e. willow species, study area and shoot length. Spatial pattern of gall distribution within the shoot was also examined. The study was conducted in Russia, Kola Peninsula. Densities of galls caused by A. tetanothrix differed significantly among willow species. Considerably higher gall density was recorded in the White Sea coast than in the Khibiny Mountains. This may be explained by the influence of a milder maritime climate that favors mite occurrence compared to a harsh and variable mountain climate that limits mite abundance. There was no relationship between the gall density and the shoot length. The highest density of galls was recorded on the inner offshoots; within the offshoot, there was a maximum density on the fifth leaf. This pattern was repeatable for all shoots studied, independent of the study area, willow species and length of shoots, suggesting the optimal conditions for A. tetanothrix exist on leaves in the middle part of a shoot. This distribution pattern may be an effect of the trade-off between the costs and benefits resulting from leaf quality and mite movement along the shoot. This hypothesis, however, needs to be tested experimentally. PMID:16132741

  17. Ticks (Acari: Ixodidae) infesting birds in an Atlantic rain forest region of Brazil.

    Science.gov (United States)

    Ogrzewalska, Maria; Pacheco, Richard C; Uezu, Alexandre; Richtzenhain, Leonardo J; Ferreira, Fernando; Labruna, Marcelo B

    2009-09-01

    Brazil has the third richest bird diversity of the world; however, there are few data concerning ticks (Acari: Ixodidae) parazitizing birds. The aim of the study was to report tick infestations on wild birds from an Atlantic rain forest region of Brazil. During 2 yr, ticks were collected from birds and from the environment in 12 forest sites. A total of 1,725 birds were captured representing 80 species from 24 families. In total, 223 (13%) birds were found infested by immature stages of Amblyomma ticks: 1,800 larvae and 539 nymphs. The prevalence of ticks was higher among birds from the families Thamnophilidae, Conopophagidae, and Momotidae. The most common tick parasitizing birds was Amblyomma nodosum Koch. Other tick species, Amblyomma coelebs Neumann, Amblyomma cajennense (F.), Amblyomma ovale Koch, Amblyomma longirostre (Koch), Amblyomma calcaratum Neumann, and Amblyomma naponense (Packard), were found sporadically. Among free-living ticks collected in the environment, A. cajennense was the most common, followed by A. coelebs, A. naponense, Amblyomma brasilense Aragão, and Hemaphysalis juxtakochi Cooley. PMID:19769058

  18. Study of Acari and Collembola Populations in Four Cultivation Systems in Dourados - MS

    Directory of Open Access Journals (Sweden)

    Rosilda Mara Mussury

    2002-09-01

    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.

  19. Asian Banks: Leading the Way to Recovery

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

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

  20. West Bank and Gaza : Teachers

    OpenAIRE

    World Bank, (WB)

    2010-01-01

    The West Bank and Gaza is focusing on strengthening its education system: provision of schooling is relatively equitable and increased decentralization is planned. West Bank & Gaza (WB&G) spent 1.3 percent on public education as a percentage of Gross Domestic Product (GDP). This year, the Palestinian Authority (PA) published a report entitled Homestretch to Freedom, which outlines the obj...

  1. MODELS OF BANKING RISKS MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Bente Corneliu Cristian

    2009-05-01

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

  2. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  3. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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

  4. Central bank independence and ageing

    OpenAIRE

    Farvaque, Etienne; Héricourt, Jérôme; Lagadec, Gaël

    2008-01-01

    We contrast the influence of demography and central bank independence on inflation. The recent demographic trends in developed countries are shown to weight more on inflation than central bank independence, while the contrary stands for the period from 1960 to 1979.

  5. Banking Safety Nets: Information Issues

    OpenAIRE

    Jorge Ponce

    2006-01-01

    This paper synthesizes recent literature on the optimal design of banking safety nets. We focalize on information issues. In particular, we propose a mechanism to improve the incentives the Central Bank has to provide information to the Deposit Insurance Corporation. Such mechanism makes possible the implementation of the second-best allocation of the lender of last resort activity proposed by Repullo (2000).

  6. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

    H.J. de Vries (Henk); G.W.J. Hendrikse (George)

    2001-01-01

    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

  7. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    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

  8. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

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

  9. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

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

  10. Do risk premia protect from banking crises?

    OpenAIRE

    Gersbach, Hans; Wenzelburger, Jan

    2004-01-01

    This paper studies the question to what extent premia for macroeconomic risks in banking are sufficient to avoid banking crises. We investigate a competitive banking system embedded in an overlapping generation model subject to repeated macroeconomic shocks. We show that even if banks fully incorporate macroeconomic risks in their pricing of loans, a banking system may enter bankruptcy with a probability of one. A major cause for this default is that risk premia of a competitive banking syste...

  11. Russia’s Modern Banking Law

    OpenAIRE

    Dmitry V. Nefedov

    2014-01-01

    In this study, the author offers a very general review of banking legislation in Russia. The author discusses the main statutory acts which regulate banking activity and the Central Bank of the Russian Federation (Bank of Russia). The author describes the Bank of Russia’s functions. He concludes that, in modern market conditions, it is extremely important to develop civil regulation and reduce administrative regulation; however, he finds that, unfortunately, the Bank of Russia is still subjec...

  12. The Determinants of De Novo Bank Survival

    OpenAIRE

    Robert DeYoung; Iftekhar Hasan; Hunter, William C.

    1999-01-01

    The number of newly chartered, or 'de novo,' commercial banks in the U.S. has increased every year since 1994. These new banks are potentially important for preserving competition and providing credit in consolidating banking markets. However, like other new business ventures, newly chartered banks can be prone to failure. To investigate the long-run financial viability of newly chartered banks, we estimate a 'split-population' duration model for 656 commercial banks chartered in 1984 and 198...

  13. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    OpenAIRE

    VALENTINA FETINIUC; IVAN LUCHIAN

    2014-01-01

    Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, ...

  14. OPERATIONAL RISK DISCLOSURE IN ROMANIAN COMMERCIAL BANKS

    OpenAIRE

    Roxana HERGHILIGIU

    2013-01-01

    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 oper...

  15. Operational Risk Disclosures in Hungarian Commercial Banks

    OpenAIRE

    Herghiligiu Roxana

    2013-01-01

    This paper aims to assess the current operational risk disclosure in Hungarian banks. Therefore, we focus on the operational risk items that Hungarian banks disclose and if they comply with the requirements of the International Bank of Settlements. The survey methodology was adopted by testing the annual financial reports for Hungarian commercial banks. The analysis shows that Hungarian banks, primarily, do not meet the requirements of the International Bank of Settlement, relating to operati...

  16. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

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

  17. Banking Regulation in Czechoslovakia 1918-1938

    OpenAIRE

    Ondøej Kopecký

    2001-01-01

    The article surveys the establishment of a legislative framework providing for banking regulation in Czechoslovakia during 1918?1938. The state intervened in bank sanitation twice during economic recessions in the early 1920s and 1930s. The shocks resulted in the adoption of banking laws to strengthen the stability of the banking sector. The laws interfered with the internal organization of banks, compelled personal responsibility on the part of bank management, protected creditors, and suppo...

  18. On the uniqueness of community banks

    OpenAIRE

    Scott E. Hein; Timothy W. Koch; Steven Scott MacDonald

    2005-01-01

    To the public, all banks seem alike. But banking insiders make important distinctions between community banks and all other banks. Policymakers worry that community banks’ unique characteristics threaten their survival in the face of industry consolidation. However, despite dramatic regulatory and technological changes in the industry in the past two decades, community banks have not only survived but often prospered. ; This article explores the differences between community banks and larger ...

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

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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

  20. Scalable filter banks

    Science.gov (United States)

    Hur, Youngmi; Okoudjou, Kasso A.

    2015-08-01

    A finite frame is said to be scalable if its vectors can be rescaled so that the resulting set of vectors is a tight frame. The theory of scalable frame has been extended to the setting of Laplacian pyramids which are based on (rectangular) paraunitary matrices whose column vectors are Laurent polynomial vectors. This is equivalent to scaling the polyphase matrices of the associated filter banks. Consequently, tight wavelet frames can be constructed by appropriately scaling the columns of these paraunitary matrices by diagonal matrices whose diagonal entries are square magnitude of Laurent polynomials. In this paper we present examples of tight wavelet frames constructed in this manner and discuss some of their properties in comparison to the (non tight) wavelet frames they arise from.

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

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

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

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

    OpenAIRE

    Uittenbogaard, R.A.

    2014-01-01

    Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both the need to address problems in the payment system, i.e. ‘scarcity of money’ (with its deflationary effects) and government’s desire to create access to cheap finance. DNB’s Charter was largely bas...

  3. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

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

  4. Lâminas de irrigação e sombreamento na produção de biomassa de Acariçoba (Hydrocotyle umbellata L.)

    OpenAIRE

    Alves, N. M.; M.D.B. LIMA; J.R. Paula; G.A. SIMON

    2015-01-01

    RESUMO:A acariçoba é uma planta utilizada pela medicina ayurvédica e em cosméticos por possuir propriedades rejuvenescedoras e revitalizante do sistema nervoso e cérebro. Com objetivo de avaliar os caracteres agronômicos e o teor de flavonóides totais de acariçoba em resposta a aplicação de lâminas distintas de irrigação e sombreamento, foi conduzido um experimento em área localizada nas coordenadas 17º 47' 53'' latitude (S); longitude (W) - 51º 55' 53'', com altitude média de 648m, no períod...

  5. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  6. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

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

  7. 12 CFR 7.4002 - National bank charges.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank charges. 7.4002 Section 7.4002 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Preemption § 7.4002 National bank charges. (a) Authority to impose charges and fees. A national bank may charge its customers non-interest...

  8. 12 CFR 1261.12 - Reporting requirements for Bank directors.

    Science.gov (United States)

    2010-01-01

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

  9. 12 CFR 1261.13 - Ineligible Bank directors.

    Science.gov (United States)

    2010-01-01

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

  10. 12 CFR 917.4 - Bank Member Products Policy.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank Member Products Policy. 917.4 Section 917.4 Banks and Banking FEDERAL HOUSING FINANCE BOARD GOVERNANCE AND MANAGEMENT OF THE FEDERAL HOME LOAN BANKS POWERS AND RESPONSIBILITIES OF BANK BOARDS OF DIRECTORS AND SENIOR MANAGEMENT § 917.4 Bank...

  11. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  12. External indebtedness of Croatian banks

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-06-01

    Full Text Available The paper analyses the main characteristics of the foreign assets and foreign liabilities of the banks that to a great extent include credit and deposit activities with non-residents – foreign physical persons and legal entities, mostly with foreign banks. The author in this paper analyses the size and trends of the Republic of Croatia’s external debt with regard to gross domestic product, import, export, international reserve of the Croatian National Bank (HNB, etc. The author also discusses external debt of the banks that have, during the past few years, contributed substantially to the overall external debt of the Republic of Croatia. The autor points out that the banks have used foreign sources mainly for placing citizens’ loans, and less for financing development projects and economy. Thus, the banks have “spent”, i.e. used up their credit capacity as well as the credit capacity of the Republic of Croatia. Regardless of the fact that the banks have improved the quality of their assets, maintained liquidity/solvency and made extremely good profits, there have not been positive effects of the multiplication of credits/loans and deposits nor have there been the awaited effects on the growth of the gross domestic product and employment that otherwise might have been achieved via different foreign resources investment policy

  13. Acaricidal and Ovicidal Effects of Sage (Salvia officinalis L.) and Rosemary (Rosmarinus officinalis L.) (Lamiaceae) Extracts on Tetranychus urticae Koch (Acari: Tetranychidae)

    OpenAIRE

    Sibel YORULMAZ SALMAN; Sarıtaş, Semiha; KARA, Nimet; Ay, Recep

    2014-01-01

    Tetranychus urticae Koch (Acari: Tetranychidae) is a harmful pest for crops such as vegetables, fruits, and ornamental and industrial plants. The usage of plant extracts for pest control is seen as an alternative to synthetic pesticides. The effect of methanolic extracts obtained from sage (S. officinalis) and rosemary (R. officinalis) plants from the Lamiaceae family on T. urticae was researched in an effort to create an alternative to synthetic pesticides. The spray tower-leaf disk method w...

  14. Acaricidal and oviposition deterring effects of santalol identified in sandalwood oil against two-spotted spider mite, Tetranychus urticae Koch (Acari: Tetranychidae)

    OpenAIRE

    Roh, Hyun Sik; Lim, Eu Gene; Kim, Jinwoo; Park, Chung Gyoo

    2011-01-01

    Thirty-four plant essential oils were screened for their acaricidal and oviposition deterrent activities against two-spotted spider mite (TSSM), Tetranychus urticae Koch (Acari: Tetranychidae), in the laboratory using a leaf-dip bioassay. From initial trials, sandalwood and common thyme oils were observed to be the most effective against TSSM adult females. Subsequent trials confirmed that only sandalwood oil was significantly active (87.2 ± 2.9% mortality) against TSSM adult females. Sandalw...

  15. How has the adoption of Internet banking affected performance and risk in banks?

    OpenAIRE

    Richard J. Sullivan

    2000-01-01

    Analysis of banks in Tenth District states that have adopted Internet banking shows an adoption rate that is similar to the rate for the United States. Community banks, especially in rural areas, are lagging behind other banks in introducing Internet banking. ; Banks that have adopted Internet banking have introduced it in markets with demographic and economic characteristics that help to ensure customer acceptance. They have also used the Internet in a way that complements their business str...

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

    OpenAIRE

    Makosana, Musa

    2014-01-01

    The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

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

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

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

  18. How Does Competition Impact Bank Risk-Taking in Dual-Banking System in Emerging Market

    OpenAIRE

    Tan, Dyi Ting

    2015-01-01

    This paper studies and compares competition and risk-taking behaviours within the two banking systems consisting of 59 Islamic banks and 149 conventional banks from 10 emerging countries between 2006 and 2013. The level of competitiveness between the two types of banks is determined using Lerner index and estimations show that Islamic banks have lower market power than conventional banks. After controlling all the bank and country-specific variables, the results show that competition and risk...

  19. Banking Relationships and Access to Equity Capital Markets: Evidence from Japan’s Main Bank System

    OpenAIRE

    KUTSUNA Kenji; Smith, Janet Kiholm; Smith, Richard L.

    2003-01-01

    We study the role of banking relationships in IPO underwriting using a sample of 484 Japanese IPOs. Among other issues, we consider whether bank relationships lead to increased access to public equity markets, especially for smaller, lesser-known firms. When a firm in Japan goes public, it can engage an investment bank that is related through a common main bank, or can select an alternative investment bank. The main bank relationship can be an efficient way for the investment bank to acquire ...

  20. Security System Layanan Internet Banking PT Bank Mandiri (persero tbk.

    Directory of Open Access Journals (Sweden)

    maynina norshela hastuti

    2012-11-01

    Full Text Available Berbagai layanan perbankan diberikan Bank kepada nasabahnya demi kepuasan pelanggan. Salah satu layanan yang mulai banyak dilirik dewasa ini adalah layanan Internet Banking. Dengan layanan ini, nasabah dapat melakukan berbagai macam transaksi perbankan dengan lebih mudah, hanya dengan koneksi internet semata. Hal ini mempermudah para nasabah, terutama mereka yang selalu sibuk, dalam mengelola keuangan mereka. Penggunaan akses internet dalam layanan ini mengharuskan keamanan data selalu terjaga dari pihak yang tidak bertanggung jawab. Oleh karena itu, layanan jenis ini menggunakan berbagai metode keamanan untuk menjaga privasi dan data nasabah. Pengamanan yang dilakukan biasanya meliputi penggunaan Secure Socket Layer (SSL, kriptografi Kunci Publik, dan Digital Signature. Namun, apakah dengan semua pengaman ini layanan ini sudah 100% aman? Dalam makalah ini, penulis akan menganalisis keamanan data, metode yang digunakan dalam Internet Banking Bank Mandiri, sehingga akan disimpulkan berdasarkan teori dan analisis, mengenai kualitas pengamanan yang diterapkan pada layanan ini.

  1. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

    We consider a two-period model of a banking system to explore the effects of competition on the stability and efficiency of economic activity. In the model, competing banks lend to entrepreneurs. After entrepreneurs receive the loans for their projects, there is a probability of a shock. The shock implies that a fraction of firms will default and be unable to pay back their loans. This will require banks to use their capital and reserves to pay back depositors, restricting restrict second per...

  2. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

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

  3. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants 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)...

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

    OpenAIRE

    Mahmuddin Yasin

    2014-01-01

    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...

  5. Corporate Governance of Banks: Evidence ftom Zimbabwe's Banking Sector.

    OpenAIRE

    Mambondiani, Lance

    2011-01-01

    Banks play a primary role in the intermediation of savings and investments. As a result, the stability and development of the financial sector is of paramount importance to most countries. In developed countries, the global financial crisis which led to the shocking collapse of Lehman Brothers and distress in other global financial giants such as AIG, Merrill Lynch, Royal Bank of Scotland (RBS) and Northern Rock have raised concerns about corporate governance in the financial sector and more ...

  6. Secondary structure of expansion segment D1 in LSU rDNA from Arachnida and its phylogenetic application in Eriophyoid mites and in Acari.

    Science.gov (United States)

    Wang, Zheng-Hang; Zhao, Ya-E; Xu, Yang; Hu, Li; Chen, Yi-Meng

    2015-12-01

    An increasing number of researchers have applied secondary-structure based multiple alignments of rDNA genes in phylogeny. These studies mostly depended on a few valuable divergent domains in LSU and SSU rDNA. Yet other divergent domains, e.g. D1, were poorly investigated and rarely used. However, these domains might contain additional evolutionary data and play a vital role in DNA-based phylogenetic study. Here, we investigated all available D1 sequences of Arachnida taxa and predicted corresponding secondary structures to help identify homologous positions in the D1 region. Long insertions were found exclusive to Eriophyoidea and folded into three newly proposed helices. Non-Acari taxa were all GC rich. In Acari, most Trombidiformes and all Mesostigmata (Parasitiformes) taxa were AT rich and Ixodida (Parasitiformes) GC rich; however there was no consistent base bias in Sarcoptiformes sequences. For Eriophyoid mites, genera Cecidophyopsis and Aceria were both well supported in MP, NJ, ME and ML tress based on D1 sequences, and clusters of Cecidophyopsis species were identical with former study. This demonstrated that the D1 region could act as a valuable molecular marker in phylogenetic reconstruction of Eriophyoidea. Additionally, D1 has been proven suitable in phylogenetic analysis at the family and genus level in Acari, but not in Opiliones. PMID:26420464

  7. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

    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...

  8. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  9. International taxation and cross-border banking

    NARCIS (Netherlands)

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

    2014-01-01

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

  10. Issues Facing Overseas Banks in China

    Institute of Scientific and Technical Information of China (English)

    俞惠峰

    2013-01-01

    The increasing presence of foreign banks has been an important aspect of banking reform in China. Since China’s entry into WTO and its acceptance of WTO commitments, China has spared no ef orts to open up the banking sector. Nevertheless, overseas banks are stil confronted with various issues in Chinese domestic market. This paper aims to pinpoint these issues.

  11. 31 CFR 515.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 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...

  12. 31 CFR 500.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 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...

  13. 31 CFR 500.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 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...

  14. 31 CFR 535.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 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...

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

    Institute of Scientific and Technical Information of China (English)

    Sun Jin

    2010-01-01

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

  16. 31 CFR 515.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 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...

  17. The evolving landscape of banking

    NARCIS (Netherlands)

    A.W.A. Boot; M. Marinč

    2008-01-01

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

  18. Customer Loyalty in Internet Banking

    Directory of Open Access Journals (Sweden)

    Y. Aysha Fathima

    2015-06-01

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

  19. American Association of Tissue Banks

    Science.gov (United States)

    ... 38 Stay up-to-date with AATB's SmartBrief, industry-related news, announcements, educational and networking opportunities. Tweets ... Series Standards and Regulatory AATB Standards for Tissue Banking Guidance Documents Other References Regulatory References Standards Updates ...

  20. Predicting PTSD following bank robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Elklit, Ask

    Each year, numerous bank robberies take place worldwide. Even so, only few studies have investigated the psychological sequelae of bank robbery and little is known about the risk factors associated with the development of posttraumatic stress disorder (PTSD) following this potentially traumatic...... event. Knowledge about risk factors related to PTSD may allow for preventive measures to be taken against the development of PTSD and reduce the large cost associated with the disorder. We investigated multiple predictors of PTSD severity in a highly representative Danish cohort study of bank employees...... being significant predictors. However, interpretation of the role of peritraumatic dissociation in the regression model was hampered by a statistical artifact. The results indicate that screening for PTSD following bank robbery should focus on ASD severity, and that it may be possible to develop...

  1. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    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...

  2. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

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

  3. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

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

  4. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  6. The Extent of Corporate Social Responsibility Engagement in Malaysian Banks Offering Islamic Banking Services

    Directory of Open Access Journals (Sweden)

    Sujana A

    2015-08-01

    Full Text Available This study explores the extent of corporate social responsibility (CSR engagement in Malaysian banks offering Islamic banking services. A total of 16 banks (10 local banks and 6 foreign banks offering Islamic banking services forms the sample for this research study. Only banks offering Islamic banking services and listed on the Kuala Lumpur Stock Exchange were selected for the purpose of this research. Banks websites and annual reports were studied to gather and analyse the data through content analysis. Results obtained indicated that the local and the foreign banks differed significantly in terms of their engagement in CSR-based activities, CSR reporting, CSR communication and CSR board structure. Evidently Malaysian banks offering Islamic banking services need to focus on embedding relevant alternative strategies in order to publicise widely about their engagement in CSR-based activities. This would further enhance the banks brand reputation and strengthen their internal and external communication strategies.

  7. Social banks and impact measurement : the cases of Charity Bank and Triodos Bank

    OpenAIRE

    Bosheim, Siri Aspevik

    2013-01-01

    Social banks are founded on values of using financial services to “create a positive impact on the society and the environment” (Weber 2011b, 5). How can the banks know that they actually achieve positive impact? How can this impact be measured? This thesis discusses exactly the question on how to verify social and environmental impact. This is analysed using two cases selected based on impact measurement methodology and one contrasting case. The focus of the thesis is social banks and meas...

  8. PERFORMANCE AUDITING FOR ISLAMIC BANKS

    OpenAIRE

    KHAN, MUHAMMAD AKRAM

    1997-01-01

    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...

  9. Price Strategies in Banking Marketing

    OpenAIRE

    Iuliana Cetina; Nora Mihail

    2007-01-01

    All organizations must settle a price for the services they offer. The price for services is an important element of the marketing mix, being an important income source for the organization. The settlement of a correct price, both for the market and the competition, is a significant element for the sector of financial - banking services. Another important factor to take into consideration is the fact that the banks do not settle only the prices for individual services, but also coordinate the...

  10. Multinational banks and development finance

    OpenAIRE

    Christian E. Weller; Scher, Mark J.

    1999-01-01

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

  11. Emerging Issues in Banking Regulation

    OpenAIRE

    Sunil Sharma; Ralph Chami; Mohsin S. Khan

    2003-01-01

    The paper provides an overview of the profound and rapid changes in banking brought about by technology and deregulation, and discusses the hurdles that will have to be negotiated for putting in place the three pillars-capital adequacy rules, supervision, and market discipline-of the bank regulatory framework envisioned by the New Basel Accord (Basel II). It argues that, especially for developing countries, finding the right balance between regulation, supervision, and market discipline is li...

  12. Managers and efficiency in banking

    OpenAIRE

    Kauko, Karlo

    2007-01-01

    This paper presents evidence on the impact of managers on cost efficiency in banking. Stochastic frontier analysis is applied to a unique Finnish data set. The paper finds that manager age and education have strong yet complicated effects. University education enhances efficiency if the manager is running a large bank. Managing director changes are systematically followed by efficiency changes. Manager retirement typically causes an efficiency improvement, whereas other manager changes can ei...

  13. Vietnam’s banking sector

    OpenAIRE

    Arlene Mayeda

    2008-01-01

    Each year, the President of the Federal Reserve Bank of San Francisco (FRBSF) travels on a “fact-finding” trip to Asia. These trips advance two of the Bank’s broad objectives: serving as a repository of expertise on economic, banking, and financial issues relating to the Pacific Rim and building ties with policymakers and economic officials there. The knowledge gained and the contacts developed during these trips provide valuable input to understanding trends affecting the Twelfth District, c...

  14. INTEGRATED COMMUNICATIONS OF BANK MARKETING

    OpenAIRE

    Valeria Arina Balaceanu

    2008-01-01

    Communication, by its nature, has two dimensions, one economic and one political, the first being the one that aims to the maximization of the issuer’s interests, while the second tends to the optimization of the receptor’s satisfaction. The communication system of a modern bank implies the use of forms of the current and potential clients’ information and stimulation, which present the banking institution, its products/ services so that they cause favorable changes in their consumption menta...

  15. Fiscal Aspects of Bank Restructuring

    OpenAIRE

    James Daniel

    1997-01-01

    Governments frequently assist troubled banks. This paper examines the fiscal aspects of such assistance: rationale, design criteria, methods, and macroeconomic implications. It concludes that (1) banks should be assisted only when there is a clear systemic risk; (2) assistance should be tied to a comprehensive restructuring program, minimize fiscal cost, be equitable and transparent, prevent recurrence, and facilitate a sound macroeconomic environment; (3) debt-based assistance will worsen pu...

  16. Bank Efficiency and Executive Compensation

    OpenAIRE

    Timothy King; Jonathan Williams

    2013-01-01

    We investigate whether handsomely rewarding bank executives’ realizes superior efficiency by determining if executive remuneration contracts produce incentives that offset potential agency problems and lead to improvements in bank efficiency. We calculate executive Delta and Vega to proxy executives’ risk-taking following changes in their compensation contracts and estimate their relationship with alternative profit efficiency. Our study uses novel instruments to account for the potentially e...

  17. Pattern Analysis On Banking Dataset

    OpenAIRE

    Amritpal Singh; Amrita Kaur; Jasmeet Kaur; Ramandeep Singh; Shipra Raheja

    2015-01-01

    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 ...

  18. Bank Street: A Photographic Essay

    OpenAIRE

    Vanderwees, Chris

    2014-01-01

    Bank Street is the major north-south artery in Ottawa, Ontario, Canada’s capital city. Named for its initial geographic proximity to the Ottawa River bank in the 19th century, the street now runs north from the city limits at Belmeade Road through various villages (Vernon, Spring Hill, Metcalfe, Greely, South Gloucester, Leitrum, and Blossum Park), north through multiple large neighbourhoods (Hunt Club, Alta Vista, Old Ottawa South, The Glebe, Centretown) to Wellington Street, home of Canada’...

  19. Banking Regulatory Standards Basel III

    OpenAIRE

    Costicã Vlad; Maria-Alexandra Spau

    2012-01-01

    Basel Committee issued on December 16, 2010 text Basel III standards framework, which reports on worldwide regulations for capital adequacy and bank liquidity. It is estimated that the rules will help achieve financial stability and promoting economic growth. Combined with a framework of global liquidity, will significantly reduce the likelihood and severity of banking crises in the future by covering the area of micro elements and macroprudentiality. The Framework sets out measures to improv...

  20. Bank Management and Financial Literacy

    OpenAIRE

    Krajíček Jan; Svoboda Martin; Doláková Bohuslava

    2013-01-01

    The paper focuses on the analysis of the relationship between the financial literacy and the risk management in banks. To increase the financial literacy is the interest not only for government organizations, notably the Ministry of Finance and the Ministry of Labor and Social Affairs, but also for banks. Increasing of the financial literacy will be reflected in improving of the portfolio on the one hand and on the other hand there can be expected lower profit.