Breda, M O; de Oliveira, J V; Esteves Filho, A B; Barbosa, D R S; de Santana, M F
Despite the continued efforts on the search for different genotypes, Capsicum annuum (L.) is quite susceptible to attack by pest arthropods, especially the broad mite Polyphagotarsonemus latus Banks. Thus, the host preference, population growth and the injuries assessment of P. latus was studied on six C. annuum genotypes used in Brazil (Atlantis, California Wonder, Impact, Palloma, Rubia and Tendence). Host preference was accessed in choice tests, pairing the several genotypes, and the population growth was observed through non-choice tests in laboratory. The injuries assessments were evaluated in the greenhouse, comparing the injury level among the six genotypes. The results indicate that California Wonder and Palloma genotypes were more preferred by P. latus, and Impact and Tendence were less preferred. P. latus presented positive population growth rates (ri) on all the genotypes, however, Palloma and California Wonder showed the highest values of population growth rate (ri = 0.344 and ri = 0.340, respectively), while Impact had the lowest value (ri = 0.281). All the evaluated C. annuum genotypes showed low tolerance to P. latus and exhibited several injuries, but there was no statistical difference between them. California Wonder had the highest average number of mites/leaf (57.15), while Impact and Tendence obtained the lowest values (36.67 and 35.12, respectively) at the end of the evaluation period. The total average of injuries notes at the end of the bioassay did not differ between the genotypes. The number of mites/leaf was growing for the injury scale to the note 3.0, but when the injury scale approached the note 4.0, there was observed a decrease in the number of mites/leaf for all the genotypes.
Ocorrência de Brevipalpus phoenicis (Geijskes (Acari, Tenuipalpidae, Tetranychus urticae (Koch (Acari, Tetranychidae e Polyphagotarsonemus latus (Banks (Acari, Tarsonemidae sobre folhas de Ipomoea cairica (Linnaeus Sweet (Solanales, Convolvulaceae Occurrence of Brevipalpus phoenicis (Geijskes (Acari, Tenuipalpidae, Tetranychus urticae (Koch (Acari, Tetranychidae and Polyphagotarsonemus latus (Banks (Acari, Tarsonemidae on leaves of I. cairica (Linnaeus Sweet (Solanales, Convolvulaceae
Ozana M. de A. Maia
Full Text Available A ocorrência de três espécies acarinas fitófagas é relatada pela primeira vez sobre folhas de Ipomoea cairica. As espécies Brevipalpus phoenicis (Geijskes, Tetranychus urticae (Koch e Polyphagotarsonemus latus (Banks, foram coletadas sobre folhas de I. cairica nas imediações da Universidade Federal do Paraná, Curitiba, Paraná, Brasil, em 20 de janeiro de 2005.The first occurrence of three phytophagus mites on Ipomoea cairica, is reported. The species Brevipalpus phoenicis (Geijskes, Tetranychus urticae (Koch and Polyphagotarsonemus latus (Banks were caught on leaves of I. cairica, around Universidade Federal do Paraná, Curitiba, Paraná, Brazil, in January 20th, 2005.
Ferreira, Rodrigo C F; de Oliveira, José V; Haji, Francisca N P; Gondim, Manoel G C
The mite Polyphagotarsonemus latus (Banks) constitutes one of the main pest of grape crop at the Submédio São Francisco Valley. The objective of this work was to study the biology of the broad mite Polyphagotarsonemus latus (Banks), to determine its thermal requirements and its fertility life table in grape (Vitis vinifera L.) cv. Italy. Acclimatized chambers (BOD) were used, adjusted to the temperatures of 18, 22, 25, 28 and 32 degrees C, relative humidity of 65 +/- 10% and alternated light of 12h. Egg-adult period was 3.4 and 6.8 days for males and 3.5 and 7.4 days for females, respectively at 32 degrees C and 18 degrees C. At the temperatures of 18, 25 and 32 degrees C, each female deposited, respectively, 16.5, 44.3 and 13.3 eggs. The stages of egg, larva and pupa and egg-adult period presented, respectively, thermal thresholds of 11.23, 9.45, 12.19, and 9.71 degrees C and thermal constant of 28.51, 14.59, 8.33, and 62.73 degrees-day. The mean duration of one generation (T) was 25.6, 10.8 and 8.2 days, respectively, at the temperatures of 18, 25 and 32 degrees C. The net reproductive rate (R0) at the temperature of 25 degrees C was the highest, corresponding to an increase of 30.12 times at each generation. The intrinsic rate of population increase (rm) was 0.10 (18 degrees C), 0.31 (25 degrees C) and 0.12 (32 degrees C) and the finite ratio of population increase (lambda) was 1.10 (18 degrees C), 1.36 (25 degrees C) and 1.13 (32 degrees C). According to the mean temperature values, P. latus can have 95 and 99 generations/year, respectively, for the municipal districts of Petrolina, PE and Juazeiro, BA.
Audenaert, Joachim; Vissers, Marc; Haleydt, Bart; Verhoeven, Ruth; Goossens, Frans; Gobin, Bruno
In recent years, the begonia mite (Polyphagotarsonemus lotus) has become an important threat to different ornamental cultures in warm greenhouses. At present there are no professional plant protection products registered in Belgium for the control of mites of the Tarsonemidae family. In a screening trial, we evaluated the efficacy of a range of different acaricides: abamectin, milbemectin, pyridaben, spirodiclofen. Based on the results of the screening trial several products were selected for a full efficacy trial following EPPO guidelines. The best control results were obtained with two products from the avermectine group: abamectin and milbemectin. As growers currently have to rely solely on the use of natural enemies there is a strong need for practical evaluation of efficacies of the various predatory mite species (Amblyseius swirskii, A. cucumeris, A. andersoni) used in biological mite control. In a series of experiments, we screened the use of different species of predatory mites. The first efficacy trials on heavily infested plants at different rates of dosage and under different circumstances (temperature, dose rate, application technique) were started in May 2008. In these experiments Amblyseius swirskii showed good efficacy. But temperature was the limiting factor: the predatory mite needed a minimal temperature of 18 degrees C to obtain good results. Further research is necessary to search for predatory mites that can be used in winter conditions (lower temperatures, less light).
Shirley Toro Sánchez
Full Text Available El ácaro Tarsonemidae Steneotarsonemus spinki Smiley desde su introducción en Colombia ha causado impacto económico y reducción en la productividad del cultivo de arroz, aumento de las aplicaciones de agroquímicos para su control e incrementos en los costos de producción. Con el fin de estudiar su biología, en condiciones de laboratorio (27 ± 3 °C y 85 ± 5% H.R se estableció un ensayo en plantas de la variedad Fedearroz 473 con el objeto de hacer observaciones y registros diarios de todos los cambios durante el desarrollo de huevo a adulto. Se encontró que la duración, en días, de los estados inmaduros fue: para huevo, 1.4; para larva, 0.7 y para ninfa-pupa, 0.6. La duración total de huevo a adulto fue de 3.5 días. La hembra presentó un periodo de oviposición de 8 días y una longevidad 8.9 días. Se registró una fecundidad de 43 huevos por hembra y una tasa de oviposición diaria de 4.43. La relación hembra: macho fue de 11.5:1. Los parámetros de la tabla de vida obtenidos fueron: tasa reproductiva neta (Ro = 52.72, tasa intrínseca de crecimiento natural (r m = 1.36, tasa finita de multiplicación (l = 3.88, tiempo de duplicación (Td = 0.51 días y tiempo generacional (T = 4.59 días. Estos resultados permiten entender el impacto de S. spinki en el cultivo de arroz en Colombia.
Lofego, Antonio C; de Moraes, Gilberto J
The objective of this study was to determine and to analyse the diversity of mites on native Myrtaceae of the "Cerrado" vegetation type of the State of São Paulo, with particular attention to the families Phytoseiidae and Tarsonemidae. In the year 2000, mites were collected from Myrtaceae species in three "Cerrado" areas in the State of São Paulo. Samples of leaves, flowers and fruits were taken from three plant of each species in each site. Mites of 49 genera belonging to 14 families were found. Fourteen phytoseiid species of nine genera and 19 tarsonemid species of six genera were collected. The most abundant phytoseiids were Euseius citrifolius Denmark & Muma, Transeius bellottii (Moraes & Mesa) and Amblyseius acalyphus Denmark & Muma. The most abundant tarsonemids were Daidalotarsonemus tesselatus DeLeon, Daidalotarsonemus folisetae Lofego & Ochoa and Metatarsonemus megasolenidii Lofego & Ochoa. The highest indexes of diversity of phytoseiids and tarsonemids were observed in the fall; the lowest indexes were found in the winter for phytoseiids and in the spring for tarsonemids. Taking into consideration the total number of phytoseiids and tarsonemids collected in this work, the corresponding indexes of diversity (Shannon) were similar and close to 2.0. Different predatory mite species prevailed on distinct plant species, indicating the complementariness of the latter as reservoirs of the former.
C. C. Martins
Full Text Available Abstract 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.
G. C. Souza-Pimentel
Full Text Available Abstract Predatory mites that belong to the Phytoseiidae family are one of the main natural enemies of phytophagous mites, thus allowing for their use as a biological control. Phytoseiulus macropilis (Banks, 1904 (Acari: Phytoseiidae is among the main species of predatory mites used for this purpose. Tetranychus urticae Koch, 1836 (Acari: Tetranychidae is considered to be one of the most important species of mite pests and has been described as attacking over 1,100 species of plants in 140 families with economic value. The objective of the present study was to investigate, in the laboratory, the reproductive parameters of the predatory mite P. macropilis when fed T. urticae. Experiments were conducted under laboratory conditions at 25 ± 2 °C of temperature, 70 ± 10% RH and 14 hours of photophase. In addition, biological aspects were evaluated and a fertility life table was established. The results of these experiments demonstrated that the longevity of adult female was 27.5 days and adult male was 29.0 days. The population was estimated to increase approximately 27 times (Ro in mean generation time (T, which was 17.7 days. Lastly, the mite population grew 1.2 times/day (λ and doubled every 3.7 days (TD.
Danka, R G; Villa, J D
The tendency of honey bees, Apis mellifera L, to become infested with tracheal mites, Acarapis woodi (Rennie), was measured in six different types of F1 colonies. The colonies were produced by mating a stock (Buckfast) known to resist mite infestation to each of five commercially available stocks and to a stock known to be susceptible to mites. Young uninfested bees from progeny and parent colonies were simultaneously exposed to mites in infested colonies, then retrieved and dissected to determine resultant mite infestations. Reduced infestations similar to but numerically greater than those of the resistant parent bees occurred in each of the six crosses made with resistant bees regardless of the relative susceptibility of the other parental stock. Reciprocal crosses between resistant and susceptible queens and drones proved equally effective in improving resistance. Therefore, allowing resistant stock queens to mate naturally with unselected drones, or nonresistant queens to mate with drones produced by pure or outcrossed resistant queens, can be used for improving resistance of production queens.
Maria Luiza de Medeiros Galvão
Este trabalho tem por objetivo realizar uma breve reflexão acerca da concepção empírica de Acari como a cidade mais limpa do Brasil, assim referenciada na década de 70 do século XX. Como introdução, desenvolvemos considerações iniciais sobre cidade, tendo como recurso metodológico os conhecimentos adquiridos com a disciplina Arquitetura e Cidade no Brasil. Dando sequência ao texto, refletimos conceitualmente sobre cidade, espaço balizador para compreensão de Acari - cidade mais limpa; territó...
Prof. Dr. E. D. VAN OORT, Directeur van 's Rijks Museum van Natuurlijke Historie te Leiden, was zoo vriendelijk, het materiaal aan Acari, door den Gouvernements-Arts Dr. PH. F. KOPSTEIN, thans te Weltevreden bij Batavia, gedurende zijn verblijf op Ambon 1922 en 1923 verzameld, mij ter determineering
Maria Luiza Medeiros Galvão
Full Text Available Este trabalho tem por objetivo realizar uma breve reflexão acerca da concepção empírica de Acari como a cidade mais limpa do Brasil, assim referenciada na década de 70 do século XX. Como introdução, desenvolvemos considerações iniciais sobre cidade, tendo como recurso metodológico os conhecimentos adquiridos com a disciplina Arquitetura e Cidade no Brasil. Dando sequência ao texto, refletimos conceitualmente sobre cidade, espaço balizador para compreensão de Acari - cidade mais limpa; território, para compreensão da cidade como construção histórica; e o Ambiente, cujo propósito foi associar o tema do trabalho à sustentabilidade socioambiental. Utilizamos dois contextos: o primeiro de crise e divulgação do título cidade mais limpa. O segundo, dizendo respeito à legislação urbanística e códigos de postura elaborados nos períodos imperial e republicano, que ordenaram o território de Acari nos dois últimos séculos, marcando a tradição de asseio, limpeza e higiene urbanas.
Smit, H.; Hammen, van der H.
Atlas of the Dutch water mites (Acari: Hydrachnidia) Few biogeographic studies have been published on water mites. Only Lundblad (1962) has published an atlas of the Swedish water mites. So far, there are no complete publications on the distribution of Dutch water mites. Acarologists who worked on D
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.
There are approximately 55,000 described Acari species, accounting for almost half of all known Arachnida species, but total estimated Acari diversity is reckoned to be far greater. One important source of currently hidden Acari diversity is cryptic speciation, which poses challenges to taxonomists ...
@@ 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.
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:
Schütte, C.; Dicke, M.
Several species of phytoseiid mites (Acari: Phytoseiidae), including species of the genera Amblyseius, Galendromus, Metaseiulus, Neoseiulus, Phytoseiulus and Typhlodromus, are currently reared for biological control of various crop pests and/or as model organisms for the study of predator¿prey inter
Full Text Available Se cita por primera vez de la Argentina a Typhlodromus (Anthoseius transvaalensis Nesbitt (Acari: Phytoseiidae sobre Capsicum annuum L. y Lycopersicum esculentum L. (Solanaceae en la localidad de Concordia, Entre Ríos. Se proporcionan datos morfométricos de los ejemplares argentinos.
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.
Aloyséia C. da S. Noronha
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
Самородов, Б. В.
In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.
Pesic, V.; Smit, H.
New records of water mites (Acari: Hydrachnidia) from Malaysia are presented. Three species new to science, Torrenticola haliki, Monatractides cameronensis and Atractides cameronensis are described; first records are given for Monatractides parviventris (K. Viets, 1935) and M. roseus (Lundblad, 1941
Mangalaus ikrishianusandhanus n. gen., n. sp., (Acari: Prostigmata: Eriophyoidea), collected from erineum on the underside of leaves of Cordia dichotoma (Boraginaceae) is described and illustrated from specimens collected at the Indian Agricultural Research Institute (IARI) in New Delhi, India....
... 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...
Oana Mihaela Vãsioiu
The economic, financial and monetary changes had serious consequences not only on the level of providing the finance necessary for the development process but also on the level of providing the finance required for importing the basic food needs and rendering necessary production inputs. All these problems show the importance of “Banks” generally and “Investment Banks” particularly in the emerging and underdeveloped countries. Banks as financial institution or intermediary mobilize either nat...
Supramaniam, Mahadevan; Shanmugam, Bala
The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…
Victor Mihăiţă Duţă
Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.
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...
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.
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.
Alnaqeib, Rami; Jalab, Hamid A; Zaidan, M A; Hmood, Ali K
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.
Zhao, Ya-E; Wang, Zheng-Hang; Xu, Yang; Wu, Li-Ping; Hu, Li
According to base pairing, the rRNA folds into corresponding secondary structures, which contain additional phylogenetic information. On the basis of sequencing for complete rDNA sequences (18S, ITS1, 5.8S, ITS2 and 28S rDNA) of Demodex, we predicted the secondary structure of the complete rDNA sequence (18S, 5.8S, and 28S rDNA) of Demodex folliculorum, which was in concordance with that of the main arthropod lineages in past studies. And together with the sequence data from GenBank, we also predicted the secondary structures of divergent domains in SSU rRNA of 51 species and in LSU rRNA of 43 species from four superfamilies in Acari (Cheyletoidea, Tetranychoidea, Analgoidea and Ixodoidea). The multiple alignment among the four superfamilies in Acari showed that, insertions from Tetranychoidea SSU rRNA formed two newly proposed helixes, and helix c3-2b of LSU rRNA was absent in Demodex (Cheyletoidea) taxa. Generally speaking, LSU rRNA presented more remarkable differences than SSU rRNA did, mainly in D2, D3, D5, D7a, D7b, D8 and D10.
MIRANDA PETRONELLA VLAD
Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have
José Vargas de Oliveira
Full Text Available The two-spotted spider mite, Tetranychus urticae Koch (Acari: Tetranychidae, is one important pest of cotton crop due to reductions in cotton yield and fiber quality. Thus, this work evaluated the toxicity of the synthetic acaricide spiromesifen and natural products on T. urticae and the compatibility with the predatory mite Phytoseiulus macropilis (Banks (Acari: Phytoseiidae. Spiromesifen and the natural products Azadirachtin A/B, Azadirachtin 1%, Jatropha curcas L. and Ricinus communis L. oils were used at different concentrations; the leaf dipping method was employed. The mortality of T. urticae females and eggs was evaluated 48 and 96 h after treatment to calculate the lethal concentrations. The effect on P. macropilis was studied using the LC50s obtained to T. urticae. All acaricides tested were effective in controlling females and eggs of T. urticae. However, according to the LC50s and LC90s calculated, spiromesifen was the most toxic acaricide to females and J. curcas oil presented the higher toxicity to eggs. Spiromesifen, J. curcas oil and Azadiractina 1% caused side effects on P. macropilis. However, only espiromesifeno was classified as harmful to the predator, whereas Azadirachtin A/B and R. communis oil were slightly harmful. R. communis and Azadirachtin A/B were effective in controlling the two-spotted spider mite and promising for the management of this pest in cotton considering their low toxicity to the predator.
Central bank independence is a multifaceted institutional design. The financial component has been seldom analysed. This paper intends to set a comprehensive conceptual background for central bank financial independence. Quite often central banks are modelled as robot like maximizers of some goal. This perspective neglects the fact that central bank functions are inevitably deployed on its balance sheet and have effects on its income statement. A financially independent central bank exhibits ...
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.
<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
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...
Heyliger, Wilton E.; Don P. Holdren
There are many studies of bank performance and bank failure in the literature. Most of these studies used banking ratios as variables in their models without giving consideration to their appropriateness, nor was much consideration given to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank structure may differ by asset size. This study evaluates a large number of banking variables in order to identify stable ratios. These ratios ...
Khoury, Sarkis Joseph; Wihlborg, Clas
The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....
Khaustov, Alexander A
Twenty four species of pygmephoroid mites (Acari: Pygmephoroidea: Neopygmephoridae, Scutacaridae, Microdispidae) are recorded from the ant Lasius flavus (Fabricius) or from its nests from Western Siberia and Crimea. Four of them of the genus Scutacarus Gros, 1845 (Acari: Scutacaridae), S. insolitus sp. nov., S. heterotrichus sp. nov., S. moseri sp. nov. and S. sibiriensis sp. nov. are described as new for science. Four species of scutacarid mites are recorded for the first time in Russia. The comparison of pygmephoroid mite communities associated with Lasius flavus from Crimean and West Siberian populations and notes on phoresy of pygmephoroid mites on ants are provided.
Martinez, Manuel; Santamaria, Maria Estrella; Diaz-Mendoza, Mercedes; Arnaiz, Ana; Carrillo, Laura; Ortego, Felix; Diaz, Isabel
This review deals with phytocystatins, focussing on their potential role as defence proteins against phytophagous arthropods. Information about the evolutionary, molecular and biochemical features and inhibitory properties of phytocystatins are presented. Cystatin ability to inhibit heterologous cysteine protease activities is commented on as well as some approaches of tailoring cystatin specificity to enhance their defence function towards pests. A general landscape on the digestive proteases of phytophagous insects and acari and the remarkable plasticity of their digestive physiology after feeding on cystatins are highlighted. Biotechnological approaches to produce recombinant cystatins to be added to artificial diets or to be sprayed as insecticide–acaricide compounds and the of use cystatins as transgenes are discussed. Multiple examples and applications are included to end with some conclusions and future perspectives. PMID:27775606
Full Text Available This review deals with phytocystatins, focussing on their potential role as defence proteins against phytophagous arthropods. Information about the evolutionary, molecular and biochemical features and inhibitory properties of phytocystatins are presented. Cystatin ability to inhibit heterologous cysteine protease activities is commented on as well as some approaches of tailoring cystatin specificity to enhance their defence function towards pests. A general landscape on the digestive proteases of phytophagous insects and acari and the remarkable plasticity of their digestive physiology after feeding on cystatins are highlighted. Biotechnological approaches to produce recombinant cystatins to be added to artificial diets or to be sprayed as insecticide–acaricide compounds and the of use cystatins as transgenes are discussed. Multiple examples and applications are included to end with some conclusions and future perspectives.
Martinez, Manuel; Santamaria, Maria Estrella; Diaz-Mendoza, Mercedes; Arnaiz, Ana; Carrillo, Laura; Ortego, Felix; Diaz, Isabel
This review deals with phytocystatins, focussing on their potential role as defence proteins against phytophagous arthropods. Information about the evolutionary, molecular and biochemical features and inhibitory properties of phytocystatins are presented. Cystatin ability to inhibit heterologous cysteine protease activities is commented on as well as some approaches of tailoring cystatin specificity to enhance their defence function towards pests. A general landscape on the digestive proteases of phytophagous insects and acari and the remarkable plasticity of their digestive physiology after feeding on cystatins are highlighted. Biotechnological approaches to produce recombinant cystatins to be added to artificial diets or to be sprayed as insecticide-acaricide compounds and the of use cystatins as transgenes are discussed. Multiple examples and applications are included to end with some conclusions and future perspectives.
Moe, Thorvald Grung
Central banks responded with exceptional liquidity support during the financial crisis to prevent a systemic meltdown. They broadened their tool kit and extended liquidity support to nonbanks and key financial markets. Many want central banks to embrace this expanded role as "market maker of last resort" going forward. This would provide a liquidity backstop for systemically important markets and the shadow banking system that is deeply integrated with these markets. But how much liquidity su...
Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks DOI:10.15408/aiq.v6i1.1371
et al. 1998). Oliver et al. (1987) described the immature stages of I. affinis and provided distribution, phenology , and host records. Ixodes...Ixodes (Ixodes) scapularis (Acari: Ixodidae): Redescription of all active stages, distribution, hosts, geographical variation , and medical and
Smit, H.; Pesic, V.; Mary-Sasal, N.
New records of water mites (Acari: Hydrachnidia) from the Comoros are presented. One species new to science, Africasia comorosensis is described; first records are given for Torrenticola sp. and Atractides thoracatus Koenike, 1898.
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...
@@ 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.
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...
O. Emre Ergungor; James B. Thomson
Systemic banking crises can have devastating effects on the economies of developing or industrialized countries. This Policy Discussion Paper reviews the factors that weaken banking systems and make them more susceptible to crises.
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
Gordon, Jeffrey N.; Ringe, Georg
mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least......The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...
Gordon, Jeffrey N.; Ringe, Wolf-Georg
at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective.......The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...
The brown dog tick can be a serious residential pest due to its unique ability, among ticks, to complete its lifecycle indoors. A single engorged and fertilized female tick can oviposit around 4,000 eggs, allowing indoor establishment to be rapid and easy to miss in early-stage infestations. Acari...
Hammen, van der L.
Reproductions are given of the original wrappers of A. Berlese's Acari, Myriopoda et Scorpiones, fasc. II, IV, VI, VII and XIV. These wrappers (on some of which the first descriptions of new species are published) could not be included in the 1979 reprint edition of the work, as no extant copies of
Pesic, V.; Smit, H.
Abstract: Two new water mite species of the genus Hydrodroma Koch (Acari: Hydrachnidia, Hydrodromidae), characterized by single or absence of swimming setae on II-L-5, are reported from Australia: Hydrodroma wilesi sp. nov. and H. cooki sp. nov. New information is provided for H. tonapii Cook from I
Brevipalpus phoenicis (Geijskes) (Acari: Tenuipalpidae) is a polyphagous mite with worldwide distribution and it is also a vector of several plant viruses. In citrus, B. phoenicis transmits Citrus leprosis virus (CiLV), the causal agent of leprosis, a disease that costs millions of dollars/year for ...
Noordijk, J.; Berg, M.P.
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 bar
Proper identification of mites (Arachnida: Acari) require preparation of the specimen on a microscope slide. This training video provides visual instruction on how to prepare mite specimens on microscope slides for examination and identification. Steps ranging from collection, specimen clearing, use...
As sexual selection is a coevolutionary process between males and females, various morphological and behavioral traits have evolved in each sex. In the tetranychid mites Tetranychus urticae Koch and T. kanzawai Kishida (Acari: Tetranychidae), males can mate repeatedly, whereas females normally accep
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 ...
Steensberg, Maja; Nielsen, Nadia Holm; Thomsen, Søren Tolshave
This project examines how the English time banks Timber Wharf, Echo and Fair Shares affect their members and local environments. Based on Nikolas Rose’s theory on governmentality it is discussed, whether the time banks, understood as political actors, are challenging or reproducing neo-liberal governance. It is concluded that the way the time banks facilitates the concept of timebanking differs greatly. These different conducts are shaping the way in which the time banks are used by their mem...
This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...
This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.
Loosened banking regulations may spur an increase of foreign banks in China Foreign banks will soon have a much easier time setting up outlets in China.According to regulations recently amended by the State Council,as of January 1,foreign
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.
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
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
Boot, A.W.A.; Ratnovski, L.
We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability
Wantuch, Holly A; Tarpy, David R
The parasitic mite Varroa destructor Anderson & Trueman (Acari: Varroidae) has plagued European honey bees, Apis mellifera L. (Hymenoptera: Apidae), in the Americas since its introduction in the 1980s. For many years, these mites were sufficiently controlled using synthetic acaricides. Recently, however, beekeepers have experienced increased resistance by mites to chemical pesticides, which are also known to leave residues in hive products such as wax and honey. Thus there has been increased emphasis on nonchemical integrated pest management control tactics for Varroa. Because mites preferentially reproduce in drone brood (pupal males), we developed a treatment strategy focusing on salvaging parasitized drones while removing mites from them. We removed drone brood from colonies in which there was no acaricidal application and banked them in separate "drone-brood receiving" colonies treated with pesticides to kill mites emerging with drones. We tested 20 colonies divided into three groups: 1) negative control (no mite treatment), 2) positive control (treatment with acaricides), and 3) drone-brood removal and placement into drone-brood receiving colonies. We found that drone-brood trapping significantly lowered mite numbers during the early months of the season, eliminating the need for additional control measures in the spring. However, mite levels in the drone-brood removal group increased later in the summer, suggesting that this benefit does not persist throughout the entire season. Our results suggest that this method of drone-brood trapping can be used as an element of an integrated control strategy to control varroa mites, eliminating a large portion of the Varroa population with limited chemical treatments while retaining the benefits of maintaining adult drones in the population.
Ogrzewalska, Maria; Nieri-Bastos, Fernanda A; Marcili, Arlei; Nava, Santiago; González-Acuña, Daniel; Muñoz-Leal, Sebastián; Ruiz-Arrondo, Ignacio; Venzal, José M; Mangold, Atilio; Labruna, Marcelo B
The tick Amblyomma parvitarsum (Acari: Ixodidae) has established populations in Andean and Patagonic environments of South America. For the present study, adults of A. parvitarsum were collected in highland areas (elevation >3500 m) of Argentina and Chile during 2009-2013, and tested by PCR for rickettsial infection in the laboratory, and isolation of rickettsiae in Vero cell culture by the shell vial technique. Overall, 51 (62.2%) out of 82 A. parvitarsum adult ticks were infected by spotted fever group (SFG) rickettsiae, which generated DNA sequences 100% identical to each other, and when submitted to BLAST analysis, they were 99.3% identical to corresponding sequence of the ompA gene of Rickettsia sp. strain Atlantic rainforest. Rickettsiae were successfully isolated in Vero cell culture from two ticks, one from Argentina and one from Chile. DNA extracted from the third passage of the isolates of Argentina and Chile were processed by PCR, resulting in partial sequences for three rickettsial genes (gltA, ompB, ompA). These sequences were concatenated and aligned with rickettsial corresponding sequences available in GenBank. Phylogenetic analysis revealed that the A. pavitarsum rickettsial agent grouped under high bootstrap support in a clade composed by the SFG pathogens R. sibirica, R. africae, R. parkeri, Rickettsia sp. strain Atlantic rainforest, and two unnamed SFG agents of unknown pathogenicty, Rickettsia sp. strain NOD, and Rickettsia sp. strain ApPR. The pathogenic role of this A. parvitarsum rickettsia cannot be discarded, since several species of tick-borne rickettsiae that were considered nonpathogenic for decades are now associated with human infections.
Gordon, Jeffrey N.; Ringe, 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 financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient...
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...
Kooi Guan CHEAH
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.
Bochkov, A V; Fain, A; Skoracki, M
Five new species and two new genera belonging to the family Syringophilidae (Acari: Cheyletoidea) are described from birds that died in the Antwerp Zoo during their quarantine: Charadriaulobia vanelli n. g., n. sp. from Vanellus chilensis (Charadriiformes: Charadriidae) in Brazil; Fritschisyringophilus lonchurae n. g., n. sp. from Lonchura punctulata (Passeriformes: Estrildidae) in India; Mironovia coturnae n. sp. from Coturnix coturnix (Galliformes: Phasianidae) in Europe; Syringophiloidus daberti n. sp. from Passerina ciris (Passeriformes: Emberizidae) in Mexico; and S. serini n. sp. from Serinus mozambicus (Passeriformes: Fringillidae) in Central Africa. Charadriaulobia n. g. differs from the closely related Aulobia Kethley, 1970, in both sexes, by the divergent epimeres I; in females, by the absence of protuberances on the hypostomal apex and by the situation of the bases of setae l4 distinctly anterior the bases of setae d4. Fritschisyringophilus n. g. differs from the closely related Syringophiloidus Kethley, 1972, in both sexes, by the presence of setae vs ' on legs II, the absence of setae dT on legs III and IV; in females, by the presence of median hypostomal protuberances and by short setae l1, l2 and l3. The relationships between the Syringophilidae and their hosts are briefly discussed. A list of all known syringophilid genera and their distribution on bird families is provided.
Glowska, Eliza; Dragun-Damian, Anna; Dabert, Miroslawa; Gerth, Michael
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.
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.
Dejane Santos Alves
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.
Bank liquidity management and optimal resource allocation of commercial bank Nostro accounts balances receive much less attention from the scientists compared to the questions on capital structure, funding, credit risk analysis and stress testing. Optimal liquidity management is a way to lower bank costs and risks, which are going to increase over time, especially when money markets are dry of free funds. There are two sides of the issue to be analyzed. The optimal resource allocation and cor...
Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.
This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions
Musgrave, Ralph S.
The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...
This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...
Bacha, Obiyathulla I.
In introducing Islamic banking in Malaysia, the basic strategy was to replicate the products/ services offered by conventional banks. The successful implementation of such a strategy has meant that Malaysia today has a truly dual banking system. Islamic banks in Malaysia not only have product similarity with conventional banks but share the same overall economic environment and a common customer base. The ability of non Muslim customers/depositors to switch between the two banking syste...
Miranda Petronella VLAD
Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.
Daniele Cristine Hoffmann Schlesener
Full Text Available O objetivo deste trabalho foi avaliar a eficiência de controle e os efeitos adversos de dois produtos à base de nim Azamax® (Azadiractina A/B 12g/L e Neemseto® (Azadiractina A/B, Nimbina e Salanina 2,389 g/L sobre o ácaro-rajado Tetranychus urticae e os predadores Phytoseiulus macropilis e Neoseiulus californicus em laboratório. Para o ácaro-rajado, foram consideradas as variáveis mortalidade, fecundidade, efeito ovicida e persistência biológica, enquanto para os fitoseídeos consideraram-se mortalidade e fecundidade. A mortalidade máxima observada para o ácaro-rajado foi de 89,7% e 91,5% para Azamax® e Neemseto®, respectivamente, na concentração de 0,5% após a reaplicação do produto no sétimo dia. Também foram observados efeitos adversos sobre a fecundidade e a viabilidade dos ovos quando tratados com os produtos comerciais (p.c.. A persistência biológica dos produtos foi de aproximadamente três dias após a pulverização. As formulações apresentaram seletividade em relação aos fitoseídeos, porém causaram redução da fecundidade dos mesmos.
... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...
Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.
Full Text Available The 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.
Star, G.J. Van der; Maas, A.
DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the ba
This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a t
Boot, A.W.A.; Ratnovski, L.
We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital constrain
van der Kwaak, C.G.F.
This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly el
van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.
Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt
van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.
Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt
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.
Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.
Ivelina Nikolova; Natalia Georgieva; Jordanka Naydenova
One of the major pests of soybeans in Bulgaria is the spider mite Tetranychus turkestani Ug et Nik (Acari: Tetranychidae) and different results have been reported about the impact of water stress on its development and reproduction. Soybean plants exposed to natural infestation by spider mites, water deficit and treatment with imidacloprid were examined under greenhouse conditions at the Institute of Forage Crops, Pleven, Bulgaria, over the period 2011-2012...
MENTZ, Márcia Bohrer; TROMBKA, Marcelo; da SILVA, Guilherme Liberato; SILVA, Carlos Eugênio
We report the finding of a female brown dog tick, Rhipicephalus sanguineus (Acari: Ixodidae) on the scalp of a male patient in Porto Alegre, Rio Grande do Sul, Brazil. Human parasitism by this tick is rare and has seldomly been reported in the literature, despite its recognized importance since it can act as a vector of Rickettsia rickettsii, the agent of spotted fever. PMID:27074329
J. A. Dunlop
Full Text Available A new large, fossil mite (Arachnida: Acari, Pararainbowia martilli n. gen. n. sp., is described from the Early Cretaceous (Aptian Crato Formation from Ceará State, Brazil. It is assigned to the Cohort Parasitengona and the superfamily Erythraeoidea, some extant members of which can reach up to seven millimetres in body length. Given that doubts have been raised about the identity of putative Crato feather mite eggs, this new fossil represents the first unequivocal record of Acari from the Crato Formation, the first non-amber record of an erythraeoid mite and the oldest named example of this superfamily. Fossil erythraeoids from Mesozoic and Tertiary ambers are briefly reviewed – including a widely overlooked Late Cretaceous species – with comments on Mesozoic mites in general. Thirteen Baltic amber erythraeoids have been formally described, but much unstudied material from various amber sources remains. Ein neues großes Milbenfossil (Arachnida: Acari, Pararainbowia martilli n. gen. n. sp., wird aus der Crato Formation (Unterkreide, Aptium des Ceará Gebietes in Brasilien beschrieben. Es wird der Kohorte Parasitengona und der Überfamilie Erythraeoidea zugeordnet; die modernen Vertreter erreichen eine Körperlänge bis zu sieben mm. Weil die Identität von Federmilbeneiern aus der Crato Formation in Frage gestellt wurde, ist dieser Neufund der erste klare Hinweis von Acari aus der Crato Formation. Es ist die erste erythraeoide Milbe, die nicht aus dem Bernstein stammt sowie das älteste genannte Beispiel dieser Überfamilie. Fossile erythraeoide Milben aus dem Bernstein des Mesozoikum und des Tertiärs werden kurz zusammengefasst – u. a. eine weitgehend übersehene Art aus der Oberkreide – mit allgemeinen Anmerkungen zu den mesozoischen Milben. Dreizehn erythraeoide Milbenarten sind aus dem baltischen Bernstein genannt und beschrieben worden, aber weiteres unbearbeitetes Material von verschiedenen Bernstein-Fundpunkten liegt noch vor
Waeibrorheem Waemustafa; Suriani Sukri
The study analyzes macroeconomic and bank specific determinants of credit risk in Islamic and Conventional Banks. Multivariate Regression analysis is applied on the sample of 15 conventional banks and 13 Islamic Banks in Malaysia over the period between 2000 and 2010. The finding shows that the banks specific determinants of credit risk are uniquely influenced the credit risk formation of Islamic and Conventional banks. The study found that risky sector financing; regulatory capital (REGCAP) ...
Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.
GenBank® (www.ncbi.nlm.nih.gov/genbank/) is a comprehensive database that contains publicly available nucleotide sequences for 370 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or the NCBI Submission Portal. GenBank staff assign accession numbers upon data receipt. Daily data exchange with the European Nucleotide Archive (ENA) and the DNA Data Bank of Japan (DDBJ) ensures worldwide coverage. GenBank is accessible through the NCBI Nucleotide database, which links to related information such as taxonomy, genomes, protein sequences and structures, and biomedical journal literature in PubMed. BLAST provides sequence similarity searches of GenBank and other sequence databases. Complete bimonthly releases and daily updates of the GenBank database are available by FTP. Recent updates include changes to policies regarding sequence identifiers, an improved 16S submission wizard, targeted loci studies, the ability to submit methylation and BioNano mapping files, and a database of anti-microbial resistance genes. PMID:27899564
Hamdu Kedir Mohammed
Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.
2014 Perbandingan Penghasilan Tabungan Mudharabah Nasabah Bank Syariah (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar) Profit Sharing Comparison of Mudharabah Saving of Islamic Banking (A Case Study at Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Muamalat Indonesia in Makassar) Yuliana Alimula Alimuddin Muhammad Ashari Penelitian ini bertujuan un...
Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon
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.
Klepková Vodová Pavla
Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.
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.
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.
... blood banks may capitalize on the fears of vulnerable new parents by providing misleading information about the statistics of stem cell transplants. Parents of children of ethnic or racial minorities, adopted children, or ...
In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.
... lymphoma , aplastic anemia , severe sickle cell disease , and severe combined immunodeficiency . There are two types of banks that store ... For Kids For Parents MORE ON THIS TOPIC Severe Combined Immunodeficiency Birthing Centers and Hospital Maternity Services A Guide ...
Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.
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...
Ravn Sørensen, Anders
In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization.......In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...
Full Text Available This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This result provides support to the common view that bank opaqueness is problematic and that transparency among financial institutions should be increased.
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.
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
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
Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.
Oku, K.; Magalhães, S.; Dicke, M.
Several species of tetranychid mites including Tetranychus urticae Koch (Acari: Tetranychidae) construct complicated three-dimensional webs on plant leaves. These webs provide protection against biotic and abiotic stress. As producing web is likely to entail a cost, mites that arrive on a leaf with
Two new genera of the water mite family Hygrobatidae (Acari: Hydrachnidia) are described from Australia, Ioannibates gen. nov. and Pseudoaustraliobates gen. nov.. In addition, three new species are described, Ioannibates papillosus sp. nov., Pseudoaustraliobates flindersi sp. nov. and the second spe
Smit, H.; Didderen, K.; Wiggers, R.
De watermijt Arrenurus berolinensis in Nederland, met de eerste beschrijving van het vrouwtje (Acari: Hydrachnidia) De zeer zeldzame watermijt Arrenurus berolinensis is in 2006 voor het eerst in Nederland gevonden, in een petgat in de Wieden (Overijssel). Tot nu toe was deze soort slechts twee keer
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...
Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.
Kurt Von Mettenheim
Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.
Childers, Carl C; Denmark, Harold A
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
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.
Haiden, Nadja; Ziegler, Ekhard E
Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula.
Ebubeogu Amarachukwu Felix
Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.
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...
Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring...
Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks.Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.
Dragan (Santamarian Oana Raluca
Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projectsâ€™ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.
... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...
Trach, Viacheslav A
A new species of the family Halolaelapidae (Acari: Mesostigmata), Halolaelaps euxinus sp. nov. is described from Black Sea coast. Adult mites were found in seaweed, while deutonymphs were collected from the amphipod Talorchestia deshayesii and from seaweed. The adult female of Halolaelaps saproincisus Hirschmann & Götz, 1968 is recorded in new localities of Ukraine for the first time, in soil and bird faeces in chicken coops, and new morphological information is provided. The adult male (collected from chicken coops) and the deutonymph (collected from chicken coops and on dung-beetles) of H. saproincisus are described for the first time.
la Sociedad Mexi- cana de Historia Natural, 4, 21–24. Cooley, R.A. (1945) Ixodes tovari, a new species from Mexico (Ixodidae). Pan-Pacific...2007 · Magnolia Press Zootaxa 1553: 47–58 (2007) www.mapress.com/zootaxa/ The Ixodes (Acari: Ixodidae) of Mexico : parasite-host and host...species of Ixodes known from Mexico ; host and locality data are from specimens housed in the Colección Nacional de Ácaros, Instituto de Biología
Kaitlin A. Uppstrom
Full Text Available Mites (Acari associated with the seed harvester ant Messor pergandei were investigated in the Sonoran desert of Arizona. At least seven representatives of the mite genera Armacarus, Lemanniella, Petalomium, Forcellinia, Histiostoma, Unguidispus, and Cosmoglyphus are phoretically associated with M. pergandei. Most of these morphospecies show preference for specific phoretic attachment sites and primarily use female alates rather than male alates for dispersal. Five mite morphospecies were found in low numbers inhabiting the chaff piles: Tydeidae sp., Procaeculus sp., Anystidae sp., Bakerdania sp., and Tetranychidae sp. The phoretic Petalomium sp. was observed consuming fungus growing on a dead queen, but the roles of the other mite species remain mostly unresolved.
Gonçalves-Souza, Thiago; Giupponi, Alessandro P L; Hernandes, Fabio A
Twelve larvae of unidentified species of Odontacarus Ewing, 1929 (Acari: Leeuwenhoekiidae) were found parasitising an adult male whip spider Charinus brasilianus Weygoldt (Charinidae) in Santa Teresa, mountainous region of Espirito Santo state, southeastern Brazil. These larvae occurred in the intersegmental membrane of prosoma and legs. This is the first report of ectoparasitic mites infecting a charinid whip spider and the first record of leeuwenhoekiid mites parasitising an invertebrate host. We suggest that future studies are essential to understand the reasons why these events of parasitism are so rare in the order Amblypygi.
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.
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...
Kuada, John; Narteh, Bedman
This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...
@@ 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.
Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of
Efeitos do nim sobre tetranychus urticae Koch (Acari: Tetranychidae e os predadores Phytoseiulus macropilis (Banks e Neoseiulus californicus (Mcgregor (Acari: Phytoseiidae Effects of neem on tetranychus urticae Koch (Acari: Tetranychidae and the predators Phytoseiulus macropilis (Banks and Neoseiulus Californicus (Mcgregor (Acari: phytoseiidae
Daniele Cristine Hoffmann Schlesener
Full Text Available O objetivo deste trabalho foi avaliar a eficiência de controle e os efeitos adversos de dois produtos à base de nim Azamax® (Azadiractina A/B 12g/L e Neemseto® (Azadiractina A/B, Nimbina e Salanina 2,389 g/L sobre o ácaro-rajado Tetranychus urticae e os predadores Phytoseiulus macropilis e Neoseiulus californicus em laboratório. Para o ácaro-rajado, foram consideradas as variáveis mortalidade, fecundidade, efeito ovicida e persistência biológica, enquanto para os fitoseídeos consideraram-se mortalidade e fecundidade. A mortalidade máxima observada para o ácaro-rajado foi de 89,7% e 91,5% para Azamax® e Neemseto®, respectivamente, na concentração de 0,5% após a reaplicação do produto no sétimo dia. Também foram observados efeitos adversos sobre a fecundidade e a viabilidade dos ovos quando tratados com os produtos comerciais (p.c.. A persistência biológica dos produtos foi de aproximadamente três dias após a pulverização. As formulações apresentaram seletividade em relação aos fitoseídeos, porém causaram redução da fecundidade dos mesmos.The aim of the present study was to evaluate the efficiency of control and adverse effects of two neem based products: Azamax TM (Azadirachtin A/B 12g/L and Neemseto TM (Azadirachtin A/B, Nimbin and Salanin 2,389 g/L over two-spotted spider mite Tetranychus urticae and the predators Phytoseiulus macropilis and Neoseiulus californicus in laboratory. Effects over the mortality, fecundity, eggs and biological persistence of the two-spotted spider mite when treated with neem based products were evaluated. For the phytoseiids the effects on mortality and fecundity were evaluated. The maximum mortality of two-spotted spider mites rates observed were 89.7% and 91.5% for Azamax TM and Neemseto TM respectively, on the 0.5% concentration after reapplying the product on the seventh day. Adverse effects were also observed over the fecundity and viability of the eggs when treated with commercial products (c.p.. The biological persistence of the products was of approximately three days after being pulverized. The formulations present selectivity in relation to the phytoseiids, however they caused fecundity reduction.
The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…
UBS, CERN branch
UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...
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…
In July 1968, the First National City Bank in New York (Citibank) received a government contract to train the disadvantaged by providing orientation, counseling, job related education, supervisor training, child care, transportation, and some medical and dental care. The Job Opportunities in the Business Sector Program (JOBS) stipulated pay of $70…
@@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.
FOUR of the five directors of state banks in Beihai City in Guangxi Zhuang Autonomous Region are women. These women show that women are no longer only able to manage family finance, but they are able to take charge of the important responsibility for state finance. The mayor of Beihai City calls them the city’s outstanding financial affairs managers.
Mousa T AL-Akhras; Rizik Al-Sayyed; Marwah Alian; Doaa Qwasmi
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...
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...
Central banks may operate perfectly well without capital as conventionally defined. A large negative net worth, however, is likely to compromise central bank independence and interfere with its ability to attain policy objectives. If society values an independent central bank capable of effectively implementing monetary policy, recapitalization may become essential. Proper accounting practice in determining central bank profit or loss and rules governing the transfer of the central bank’s ope...
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.
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 ...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...
An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.
Claessens, S.; van Horen, N.
Over the past two decades, foreign banks have become much more important in domestic financial intermediation, heightening the need to understand their behavior. We introduce a new, comprehensive database, made publicly available, on bank ownership (including the home country of foreign banks) for 5
The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The result
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.
Angkinand, Apanard; Wihlborg, Clas
Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...
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.
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
... the bank's loan customers. (b) Income derived from credit life insurance sales to loan customers may... seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks...
... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1)...
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.
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.
Full Text Available Phytoseiid mites (Acari, Phytoseiidae inhabiting plants in natural ecosystems from Tenerife and La Gomera islands (Canary Islands have been studied. Surveys were conducted from 1997 to 2002. Eleven species were collected, one of them being reported for the first time from the Canary Islands and six of them reported for the first time from Tenerife and La Gomera islands. Euseius machadoi n. sp. collected from woody plants in the Canarian laurisilva is proposed as a new species.
En muestreos realizados desde 1997 hasta 2002 se ha estudiado la fauna de ácaros fitoseidos (Acari, Phytoseiidae asociada a plantas de ecosistemas naturales de las islas de Tenerife y La Gomera (Islas Canarias. Se han recolectado un total de 11 especies, siendo una de ellas citada por vez primera en las islas Canarias y seis de ellas citadas por primera vez en las islas de Tenerife y La Gomera. Euseius machadoi n. sp., recolectado en plantas leñosas de la laurisilva canaria, se propone como una nueva especie.
Büchel, Kerstin; Bendin, Juliane; Gharbi, Amina; Rahlenbeck, Sibylle; Dautel, Hans
Repellent efficacy of 10% EBAAP (3-[N-butyl-N-acetyl]-aminopropionic acid, ethyl ester) and 10% Icaridin ((2-(2-hydroxyethyl)-1-piperidinecarboxylic acid 1-methylpropyl ester)) were evaluated against 20% DEET (N,N-diethyl-3-methylbenzamide) in human subject trials against ticks. Responses of host-seeking nymphs of the European castor bean tick (Ixodes ricinus L.; Acari: Ixodidae) and the North American blacklegged tick (I. scapularis Say; Acari: Ixodidae) were compared. Tests were carried out according to the US-EPA standard protocol with ethanolic solutions of the active ingredients of repellents being applied to the forearm of 10 volunteers. The upward movement of ticks was monitored until repellent failure taking up to 12.5 h. Application of 20% DEET resulted in median complete protection times (CPT; Kaplan-Meier median) between 4 and 4.5 h, while 10% EBAAP yielded CPTs of 3.5-4h. No significant differences were found between the efficacies of two repellents nor between the two species tested. The median of the CPT of a 10% Icaridin solution was 5h in nymphs of I. scapularis, but 8h in those of I. ricinus (Prepellent activity against nymphs of the two Ixodes ticks with Icaridin demonstrating particularly promising results against I. ricinus. Future research should investigate whether similar results occur when adult Ixodes ticks or other tick species are tested.
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.
The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS
EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...
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%Â 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.
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?
Gordon, Jeffrey N.; Ringe, Georg
This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....
N. Gordon, Jeffery; Ringe, Georg
This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...
Wong, Kit Fai
Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.
Kit Fai Wong
Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.
Full Text Available The paper discusses about awareness of mobile banking services and their possible contribution towards sustainable growth. This study attempts to look into the issues regarding mobile banking services and their possible contribution in financial inclusion in India. With the help of this study author tries to focus those areas where banks can provide these mobile banking services. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion. For a successful financial inclusion i.e., inclusive growth, in this era, combination of both the services i.e., banking as well as mobile is very much required. Mobile banking which can be termed as virtual banking can do wonders for the economy, because these days growth in economy is possible with the help of financial inclusion and in current scenario, statistics reveals that it is very easy with the help of mobile banking. This study has been done in two phases. First phase discusses about awareness of M-banking services and Second phase discusses about possible contribution of mobile banking towards financial inclusion. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. In fact including rural subscribers in the banking net can help in inclusive growth, as it not very difficult to go for a mobile phone rather than going for a computer in rural areas. This service can do wonders if implemented effectively and sincerely. If any service is provided, there are always two sides, supply side and demand side. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion.
Aznar Lucea, Justo
The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.
Stephen K. Callaway; Hamilton, Robert D.
This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks. Specifically, this empirical study uses a stratified sample of the FDIC database to address how perception of the technology and the environmental context (knowledge of cause-effect relations and crystallized outcome standards) impact internal and external constituency relationships (including social ...
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.
N. Gordon, Jeffery; Ringe, Georg
The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....
André Redlinghuis; Chris Rensleigh
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...
Xu, Yun; Zhang, Zhi-Qiang
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.
Trach, Viacheslav A; Seeman, Owen D
A new genus and species of Schizogyniidae (Acari: Mesostigmata: Celaenopsoidea), Euroschizogynium calvum gen. nov. and sp. nov., associated with Scarites terricola Bonelli, 1813 (Coleoptera: Carabidae) is described from Ukraine, representing the first record of the family from the Palaearctic. Fusura civica Valle & Fox, 1966 is moved out of the Schizogyniidae and placed into the Megacelaenopsidae. A new diagnosis for the family Schizogyniidae and a key to genera are provided.
Kitajima, Elliot Watanabe; Kubo,Karen Sumire; Ferreira,Paulo de Tarso Oliveira; Alcântara,Berenice Kussumoto; Boari,Alessandra de Jesus; Gomes,Renata Takassugi; Freitas-Astua,Juliana; Rezende,Jorge Alberto Marques; Morais,Gilberto José de; Salaroli,Renato Barbosa
Chlorotic spots have been observed in plants of Clerodendrum x speciosum growing in residential gardens and parks in Piracicaba, SP, Brazil. Thin sections of diseased tissues revealed characteristic cytopathic effects of the nuclear type of the Brevipalpus (Acari: Tenuipalpidae) mite-transmitted viruses (BTrV). Brevipalpus mites, identified as B. phoenicis, infesting symptomatic C. x speciosum plants transmitted the pathogen to healthy C. x speciosum and to C. thomsonae, Gomphrena globosa, Hi...
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....
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...: 1. SG-BBC, LLC, and The Stephens Group, LLC, both of Little Rock, Arkansas; to acquire voting...
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...
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...
Burks, Christian; Cassidy, Maxxwell; Cinkosky, Michael J.; Cumella, Karen E.; Gilna, Paul; Hayden, Jamie E.-D.; Keen, Gifford M.; Kelley, Tom A.; Kelly, Michael; Kristofferson, David; Ryals, Julie
The GenBank nucleotide sequence database now contains sequence data and associated annotation corresponding to 56,000,000 nucleotides in 45,000 entries. The input stream of data coming into the database has largely been shifted to direct submissions from the scientific community on electronic media. The data have been installed in a relational database management system and are made available in this form through on-line access, and through various network and off-line computer-readable media...
Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas
Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...
Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.
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,
Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland
Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...
Hery Harjono Muljo
Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.
Hery Harjono Muljo
Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with...
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may...
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 ...
Ohene-Asare, Kwaku; Asmild, Mette
This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....
... 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...
... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A...
@@ 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.
Sven Christian Berger
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.
Aghion, P.; Bolton, P.; Dewatripont, M.
This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood
@@ 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.
Harjum Muharam; Hasna Penta Kurnia
Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islami...
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
Pešić Vladimir M.
Full Text Available A presented faunistic catalogue of water mites (Acari: Hydrachnidia and Halacaroidea from Republic of Srpska (Bosnia and Herzegovina is based on all published data and numerous new records from the investigated area. Twenty two species were identified, 12 of which new to Bosnia and Herzegovina and one species Mideopsis roztoczensis was recorded for the first time in the Balkans. The species Aturus gordani was described as new to science; halacarid mites were recorded (Acari: Halacaroidea for the first time in the fauna of Bosnia and Herzegovina. The ecological significance of the new records was briefly discussed.
Wahidudin, AHMAD Nazri; Subramaniam, ULAGANATHAN; Pg. Kamaluddin, PENGIRAN. Abd Mutalib
The profit and loss sharing system allows bank to share risk with client in Islamic banks. Moreover Islamic banks are required to operate as per Islamic Rules and principles. Unlike Islamic banks, conventional banks operate based on interest. The income of conventional banks is the difference between interest paid to depositors and interest paid by borrowers. This is the common banking system around the world. This study will analyze determinants of profitability in Islamic banks will be co...
Ahmad Y. Areiqat; Aymen M. Abu-Errub; Badi S. AL-Rawashdeh; Mohammad Dbbaghieh
Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank). Results: The results showed that Jordanian banks showed highest attention toward risk ...
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
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
Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118
Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi
The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...
... 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...
... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Establishing leave banks and leave bank... REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1003 Establishing leave banks and leave bank boards. (a) Each agency that participates in the voluntary leave bank program shall, in accordance...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives and agricultural credit banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management §...
Habbar Abderezak, Dr.
Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.
Full Text Available Amblyomma varium, commonly known in Brazil as the "carrapato-gigante-da-preguiça" (sloth's giant tick is found from southern Central America to Argentina. The present study adds information on the geographical distribution of A. varium, as well as on their hosts, based on material deposited in the main Brazilian collections and on the available literature. Eighty-two vials, containing 191 adult specimens, deposited in five Acari collections between 1930 and 2001, were examined. These vials included data on the host and collection localities. The biology of A. varium is unknown. However it is known that, during the adult stage, the tick presents a high host specificity and is found almost exclusively on the sloths Bradypus tridactylus, B. variegatus, B.torquatus (Bradypodidae, Choloepus hoffmanni and C. didactylus (Megalonychidae. Based on the material examined, the states of Rondônia, Amazonas, Bahia and Alagoas are newly assigned to geographic distribution of A. varium in Brazil.
Skoracki, Maciej; Unsoeld, Markus; Kavetska, Katarzyna; Kaszewska, Katarzyna
The paper contains a review of quill mites of the subfamily Picobiinae (Acari: Prostigmata: Syringophilidae) associated with woodpeckers (Aves: Piciformes: Picidae). Three new species are described: Picobia mentalis Skoracki et Unsoeld sp. nov. from Picus mentalis Temminck, Neopicobia ea Skoracki et Unsoeld sp. nov. from Celeus flavus (St. Mueller) (type host), C. elegans (St. Mueller), C. torquatus (Boddaert), and Neopicobia freya Skoracki et Unsoeld sp. nov. from Dryocopus galeatus (Temminck) (type host) and Piculus rubiginosus (Swainson). Additionally, six new host species for Picobia heeri Haller, 1878 and 12 new host species for Picobia dryobatis (Fritsch, 1956) are reported. A complete list of the picobiines parasitising birds of the family Picidae is presented in the tabular form.
Hartini, Sri; Takaku, Gen
Twelve mite species of the genus Macrocheles (Acari: Macrochelidae) were collected from the body surface of dung beetles in Java, Indonesia. Of these, three species, i.e., Macrocheles jabarensis, M. jonggolensis, and M. sukabumiensis, were described as new to science. Female of M. dispar was redescribed. Two species, i.e., M. baliensis and M. sukaramiensis, were recorded from Java for the first time. The occurrence of five species previously recorded from Java, i.e., M. hallidayi, M. kraepelini, M. limue, M. oigru, and M. merdarius, were reconfirmed. Taxonomic status of M. sp. aff. glaber was not settled in the present study, because we could not obtain the male and immatures which are indispensable for exact identification. In total 15 species of the genus Macrocheles, including 3 species already recorded but not collected in this research (M. crispa, M. krantzi, and M. subbadius), are known from Java up to date.
Carrillo, Daniel; Frank, J Howard; Rodrigues, Jose Carlos V; Peña, Jorge E
A review of all the available information about the natural enemies reported in association with the red palm mite, Raoiella indica is presented. Twenty-eight species of predatory arthropods, including mites and insects, have been reported in association with R. indica in Asia, Africa and the Neotropics. In addition, pathogenic fungi associated with R. indica in the Caribbean have been reported. The available literature indicates that each site has a different natural enemy complex with only one predator species, Amblyseius largoensis (Acari: Phytoseiidae), present in all the geographical areas. The phytoseiids, Amblyseius caudatus Berlese, Amblyseius channabasavanni Gupta and A. largoensis, were regarded as important natural enemies of R. indica, and their predatory efficiency was studied in some detail. Among the predatory insects the coccinellids Stethorus keralicus Kapur and Telsimia ephippiger Chapin were reported as major predators of R. indica. The known distribution, abundance and relative importance of each species reported in association with R. indica are discussed.
Marques, Sandro; Barros-Battesti, Darci Moraes; Faccini, João Luiz Horacio; Onofrio, Valeria Castilho
Amblyomma varium, commonly known in Brazil as the "carrapato-gigante-da-pregui a" (sloth's giant tick) is found from southern Central America to Argentina. The present study adds information on the geographical distribution of A. varium, as well as on their hosts, based on material deposited in the main Brazilian collections and on the available literature. Eighty-two vials, containing 191 adult specimens, deposited in five Acari collections between 1930 and 2001, were examined. These vials included data on the host and collection localities. The biology of A. varium is unknown. However it is known that, during the adult stage, the tick presents a high host specificity and is found almost exclusively on the sloths Bradypus tridactylus, B. variegatus, B.torquatus (Bradypodidae), Choloepus hoffmanni and C. didactylus (Megalonychidae). Based on the material examined, the states of Rond nia, Amazonas, Bahia and Alagoas are newly assigned to geographic distribution of A. varium in Brazil.
Stentella Lopes, F.S.
This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’
Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.
The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data deposi
De Jonghe, O.G.; Öztekin, Ö.
We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management (redu
Bente Corneliu Cristian
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
Full Text Available In this paper the author presents the basic characteristics of debt securities and shares and analyses the amount, structure and characteristics of the securities portfolio in Croatian banks in period from 1993 to 2004. The analysis shows that in the entire analyzed period Republic of Croatia together with state funds and other public institutions was the main issuer of securities that banks have in their portfolios. The securities issued by banks and companies represent only a marginal part of banks’ portfolios but it is also true that banks have strongly supported the privatization process of state owned companies by providing credit for purchasing of shares and later on swapping their credit claims for shares. In this way banks acquired a significant portfolio of shares that they later sold on the open market. Data about the significant reduction of securities portfolio in the banking assets structure, from 46.1% in 1993 to only 10.6% in 2004, is indicative of a low level of trading in securities. This means that in the following years, central and local government should secure the necessary funds more by issuing securities than by credit, especially not by taking credit from abroad. Furthermore, in order to spread business with securities, banks should also substitute a portion of their credit portfolio with short and long term securities. In this way, the investors would be able to use the benefits of investing in securities instead of investing their funds in bank deposits as they have done until now.
Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael
Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode
In 1990, the Indian Finance Corporation Act died in committee for lack of Indian support. A model for an American Indian Development Bank is proposed, based on the International Finance Corporation of the World Bank. Two case studies illustrate how this model can meet Indian economic development needs. (SV)
Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.
We examine to what extent there exists heterogeneity in the causes of a banking crisis. For this purpose, we use a random coefficient logit model including 110 countries between 1970 and 2007. We conclude that there exists significant heterogeneity in the causes of a banking crisis. We find that a h
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
Micuda Ion Dan
Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of
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.
@@ 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.
Mousa T AL-Akhras
Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following
Dietrich, J. Kimball; Wihlborg, Clas
We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... 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...
Yoshiharu Maeno; Kenji Nishiguchi; Satoshi Morinaga; Hirokazu Matsushima
An asset network systemic risk (ANWSER) model is presented to investigate the impact of how shadow banks are intermingled in a financial system on the severity of financial contagion. Particularly, the focus of this study is the impact of the following three representative topologies of an interbank loan network between shadow banks and regulated banks. (1) Random mixing network: shadow banks and regulated banks are intermingled randomly. (2) Asset-correlated mixing network: banks having bigg...
BUCUR Luiza Emanuela
Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...
Ioan Alexandru Bubu
Full Text Available Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current software.First we will take a quick look at current security methods that are in use, and a few known vulnerabilities. After this, we will discuss the security measures implemented in my application, and finally, we will the results of implementing them.
El Mehdi Ferrouhi
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.
Barbosa, Marina F C; de Moraes, Gilberto J
Laelapidae and Rhodacaridae are important families of edaphic predatory mites and species of these families have been considered for use in biological control programs of soil pests. Mites of Cohort Astigmatina (Acari: Sarcoptiformes) have been largely used as factitious prey in the mass rearing of various edaphic or plant-inhabiting predatory mites. Stratiolaelaps scimitus (Womersley) (Mesostigmata: Laelapidae) (widely commercialized for the control of fungus gnats and thrips) and Protogamasellopsis zaheri Abo-Shnaf, Castilho and Moraes (Mesostigmata: Rhodacaridae) (not available commercially but promising for the control of thrips and nematodes) are known to be reared on Tyrophagus putrescentiae (Schrank) (Astigmatina: Acaridae), but the possibility to find a perhaps more efficient prey has not been evaluated. The objective of this paper was to evaluate different astigmatid species as prey for these predators. S. scimitus and P. zaheri oviposited on all evaluated astigmatids and the acarid mites T. putrescentiae and Aleuroglyphus ovatus (Tropeau) were the most suitable prey; to confirm the effect of prey on oviposition rates, pregnant females of the predators were kept under starvation conditions and oviposition was negligible or null. Survivorship was always higher than 78 % and was not influenced by prey species or starvation.
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.
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
Full Text Available This paper evaluates and compares the performance of Sharia-compliant banks with their conventional counterparts operating in Pakistan. Data of five full-fledged Islamic Banks(IBs and fifteen Conventional Banks (CBs, all from Pakistan, have been used for the study. Study period comprises of six years from year 2008 to year 2013. Bank's orientation, efficiency, quality of assets and stability are the measures used to compare the performance of Shariah-compliant and conventional banks. The Islamic Banks in Pakistan are younger in age and smaller in size compared to the Conventional Banks. Based on the financial ratios of two types of banks, we find that the business model of Islamic Banks is inferior to the model of Conventional Banks. Islamic Banks are less cost efficient than Conventional Banks. However, Islamic Banks have superior asset quality with better bank stability position.
Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.
... 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 §...
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Vacant Bank directorships. 1261.14 Section 1261.14 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections § 1261.14 Vacant...
... 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...
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Mission of the Banks. 940.2 Section 940.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION CORE MISSION ACTIVITIES § 940.2 Mission of the Banks. The mission of the Banks is to provide to their members' and...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank...
... 12 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...
... 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...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank for cooperatives. 619.9060 Section 619.9060 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9060 Bank for cooperatives. A bank for cooperatives is a bank that is operating under section 3.0 of the Act....
After the 2008 economic crisis, special attention was given to alternative financing techniques, and so to Islamic banks. During the crisis the stability of the Islamic banks was higher than the stability of the conventional banks.The major source of revenue of the conventional banks is interest and other income from speculative transactions, so a conventional bank can shows higher results than an Islamic bank. Islamic banks operate on religious principles, so many activities are forbidden to...
Uddin, Md Akther
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...
CULL, Robert; Haber, Stephen; Imai, Masami
Does related lending have positive or negative effects on the development of banking systems? We analyze a unique cross-country data set covering 74 countries from 1990 to 2007, and find that related lending, on average, does not have any effect on the growth of credit. We do find, however, that there are conditional relationships: related lending tends to retard the growth of banking systems when rule of law is weak, whereas it tends to promote the growth of banking systems when rule of law ...
Johannesen, Niels; Zucman, Gabriel
During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...... the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss...
... Corporation and thereby indirectly retain voting shares of Classic Bank, N.A., both of Cameron, Texas. Board... Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are... Board of Governors. Comments must be received not later than July 9, 2010. A. Federal Reserve Bank...
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Leland E. Boren; Leland E. Boren, IRA; Leland E. Boren as Co-Representative of the LaRita R. Boren...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Manna, Trustee; Mario John Manna's IRA Account; Claudia Brown Moore; Claudia Brown Moore's IRA...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the..., Pennsylvania. 2. W. Kirk Wycoff, Ira M. Lubert, and James J. Lynch, all of Philadelphia,...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Financial Mangers, LLC; Ira M. Lubert; W. Kirk Wycoff; and James J. Lynch, all of Philadelphia,...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Hunter Ness Roth IRA, all of Yankton, South Dakota; Michael Forrest Ness, Sioux Falls, South...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the....; and Ira M. Lubert, W. Kirk Wycoff, and James J. Lynch, all of Philadelphia, Pennsylvania, to...
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
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 ...
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited action for certain bank acquisitions by well-run bank holding companies. 225.14 Section 225.14 Banks and Banking FEDERAL RESERVE SYSTEM... certain bank acquisitions by well-run bank holding companies. (a) Filing of notice—(1)...
Martin Cihak; Heiko Hesse
The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 18 banking systems with a substantial presence of Islamic banking. We find that (i) small Islamic banks tend to be financially stronger than small commercial banks; (ii) large commercial banks tend to be financially stronger than large Islamic banks; and (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may refle...
Aslam, Aqib; Santoro, Emiliano
of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings......The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...
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.
Boot, A.W.A.; Marinč, M.
The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and th
Federal Laboratory Consortium — The NIH NeuroBioBank (NBB), supported by the National Institute of Mental Health, the National Institute of Neurological Disorders and Stroke, and the Eunice Kennedy...
Y. Aysha Fathima
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.
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...
U.S. Department of Health & Human Services — Comprehensive, peer-reviewed toxicology data for about 5,000 chemicals. The data bank focuses on the toxicology of potentially hazardous chemicals. It is enhanced...
Full Text Available Bank konvensional dan syariah kurang lebih memiliki risiko sama. Oleh karena itu perlu pengamatan lebih lanjut untuk mengendalikan risiko likuiditas mereka. Studi ini mengkajipengaruh CAR, rasio profitabilitas, NIM, kesenjangan likuiditas, dan RLA milik risiko likuiditas di industri perbankan. Analisis statistik menyimpulkan bahwa terdapat pengaruh negatif dan signifikan dari CAR dan ROE terhadap risiko likuiditas pada bank konvensional, sementara ROA dan RLA berpengaruh positif dan signifikan. Dalam bank syariah, dampak positif dan signifikan dari NIM dan ROE terhadap variabel dependen, sedangkan kesenjangan likuiditas dan RLA memiliki pengaruh signifikan.DOI: 10.15408/aiq.v5i2.2565
This thesis consists of three chapters, two in banking and one in international finance. The first two chapters examine how bank business models and foreign ownership structures affect bank-firm lending relationships. In particular, the first chapter reveals that foreign banks can overcome their inf
Shehzad, Choudry Tanveer; De Haan, Jakob
We examine the effect of different types of bank supervisory powers in place before the crisis on bank risk-taking during the crisis. We employ data of more than 8000 banks from high-income OECD countries for the 2007-2011 period and impaired loans to gross loans ratio as proxy for bank risk-taking.
Beck, T.H.L.; Brown, M.
Theoretical and empirical work on banking emphasizes the role of banks in overcoming information asymmetries and agency problems between borrowers and lenders. This paper investigates the importance of bank ownership in determining the sorts of customers that a bank serves, and consequently, the sor
@@ 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.
Huizinga, H.P.; Voget, J.; Wagner, W.B.
This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998ï¿½2008 period. International double taxation of foreign-source bank income is found to reduce banking-sector FDI. Furthermo
Huizinga, H.P.; Voget, J.; Wagner, W.B.
This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998-2008 - period. Home country corporate income taxation of foreign-source bank income is found to reduce banking-sector FDI.
... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Banks. 1.581-1 Section 1.581-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.581-1 Banks. (a) In order to be a bank as defined in section 581,...
... 29 Labor 7 2010-07-01 2010-07-01 false River banks. 1917.126 Section 1917.126 Labor Regulations...) MARINE TERMINALS Terminal Facilities § 1917.126 River banks. (a) This section applies to temporary installations or temporary operations near a river bank. (b) Where working surfaces at river banks slope...
... proposal, retains this exception for banker's banks. A typical banker's bank provides liquidity and other... greater need to maintain liquidity to service its member banks. 6. Comments Several commenters addressed... implications for bank liquidity. The comments suggested that the FDIC provide a deduction for federal...
Full Text Available The regulation of big banks has been in the spotlight for many reasons. Examining evidence for more than 80 countries for the years 1995-2009, banking systems are shown to be highly concentrated. In many cases, the banks are so big that bank-specific credit-growth fluctuations affect the macroeconomy.
Poghosyan, Tigran; Werger, Charlotte; de Haan, Jakob
We examine whether Fitch support ratings of US banks depend on bank size. Using quarterly data for the period 2004:Q4 to 2012:Q4 and controlling for several factors that make large and small banks different, we find that bank size is positively related to support ratings. However, the effect is non-
Full Text Available The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank
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.
Weller, Christian E.; Scher, Mark J.
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...
This thesis is aimed to provide understanding of the role of the fractional reserve in the mod-ern banking system worldwide and particularly in Finland. The fractional reserve banking is used worldwide, but the benefits of this system are very disputable. On the one hand, experts say that the fractional reserve is a necessary instrument for the normal business and profit making. On the other hand, sceptics openly criticize the fractional reserve system and blame it for fiat money (money n...
On the market for factoring services independent suppliers coexhist with companies affiliated with banking groups. The last ones can be oriented in their decision processes by the policies of their parent company, usually a bank. They could also benefit from synergies among the different units of the group. The main benefits are linked to cost reduction, better skill-based resources allocation and a higher amount of financial coverage. If such interdependencies are found ...
Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo
We model the impact of bank mergers on loan competition, reserve holdings and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the dis...
The first Corneal Bank in East Anglia is located at the BUPA Hospital in Norwich, a joint venture between NHS, BUPA and the Lions Clubs International (District 101 EA). There was insufficient space to accommodate the Bank at the West Norwich Hospital where the Ophthalmic Department is situated and so, at the suggestion of the BUPA Hospital Manager, Mr Paul Hanke, It came to the BUPA Colney Lane site.
DANIELA SIMONA DIMITRIU
Full Text Available For a bank it is advantageous to have different types of clients because, as will receive deposits and provide loans for both business and individuals. The difference between the interest charged by banks and they are paid gross banking profit, following recovery, by the bank, business development potential offered by customers, resulting in advantages for both bank and customer. Customer benefits can be considered: the safety of deposits held at banks; interest received for them; that the money held in bank accounts can be returned at any time upon request; transfers of money to them, instead of wearing them large sums of cash.
Nieizviestna Olena V.
Full Text Available The aim of the article is to study the need for application of marketing tools in order to improve competitiveness and competitive advantages of banks. By analyzing, systematizing and summarizing the scientific works of many scientists, the relationship between the competitiveness of the commercial bank and its share in the banking market has been discovered. In the process of studying the integration of the strategy of maximizing customer satisfaction in the practice of strategic competition in the banking market there was presented the author’s position regarding the need to take into account the structure of the customer loyalty, as it is it that helps to properly distribute the bank’s marketing efforts. It has been proved that the technology of bank marketing should not only include the systems of identifying customer needs, creation of new financial products, but also contribute to the formation of the multi-factor strategic model of competitive strategy of the bank competitive development. It has been proposed to use the SWOT-analysis in order to effectively manage the bank’s competitiveness.
Cabello, Julia García
Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks' branches is also a relevant issue as any significant improvement in cash management at the bank distribution channels may have a positive effect in reducing liquidity tensions. In this paper, we propose a simple programme of cash efficiency for the banks' branches, very easy to implement, which conform to a set of instructions to be imposed from the bank to their branches. This model proves to significantly reduce cash holdings at branches thereby providing efficiency improvements in liquidity management. The methodology we propose is based on the definition of some stochastic processes combined with renewal processes, which capture the random elements of the cash flow, before applying suitable optimization programmes to all the costs involved in cash movements. The classical issue of the Transaction Demand for the Cash and some aspects of Inventory Theory are also present. Mathematics Subject Classification (2000) C02, C60, E50.
Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.
This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions fo
Artha, I.K.D.S.; de Haan, J.
Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period 1953-200
Full Text Available Recent turmoil in the global financial system has impacted severely on the banking sector with many banks suffering large losses and necessitating the need to raise additional capital privately or through their respective national governments. In our study we investigate the impact of structural reforms performed throughout the European Union (EU accession process on competition and contestability of banking systems in Romania. The literature of the measurement of competition can be divided into two major approaches: structural and non-structural. The structural approach to the assessment of competition embraces the Structure-Conduct-Performance Hypothesis (SCP and the Efficient Structure Hypothesis (ESH. The structural approach, as the name suggests, assesses bank competition by examining measures of market structure such as concentration ratios (the share of assets held by the top 3 or 5 institutions or indices (e.g., the Herfindhal-Hirschman index and supposes that higher concentration in the banking market causes less competitive bank conduct and leads to higher bank profitability. The SCP model is originally developed by Bain (1956. The second approach, ESH, developed by Demsetz (1973 and Peltzmann (1977 suggests that the superior performance of the market leaders determines the market structure, implying that higher efficiency produces both higher concentration and greater profitability. The non-structural indicators of competition are mainly based on the measures of monopoly power developed by Lerner (1934. The Lerner Index suggests the mark-up of price over marginal cost. An alternative non-structural indicator of the degree of market competition is the Panzar and Rosse (1987 H-statistic. The H-statistic measures the extent to which changes in banking costs are reflected in changes in banking revenues. In order to examine the level of competition and market power of banks in Romania for period 2003 - 2009, we estimate the non
Ion Gr. Ionescu
It is certainly clear that a powerful banking strategy should include both software and bank risk management procedures that aim, in fact, minimize the likelihood of these risks and potential exposure of the bank. The main objective of these policies is to minimize losses or additional expenses incurred by the bank and central banking goal is to achieve a higher profit for shareholders. But not always these two objectives - the general and sector - are consistent. It may, in some cases, the c...
Busta, Ilduara; Hobdari, Bersant
of the board and directors and financial performance in banking by allowing for separate behaviours under different institutional settings. Using a panel dataset of listed banks in France, Germany, Italy, Spain and the UK, we show that banks with higher presence of non-executives in their boards perform better...... in Continental Europe, while the opposite is the case in the UK. Bank size though does not seem to impact bank performance....
Fouzia Ali; Hassan Raziq; Abdul Aleem; Shahrukh Latif; Arslan, M; Arsalan Shah Muhammad
Purpose-The purpose of this research study is to focus on the customer satisfaction towards Islamic banking in Pakistan based on the different factors including service quality, product quality offered by Islamic banks, customer care level of Islamic banks, financial benefits given to its customers, competition with conventional banks, religion and market reputation. Methodology- This study will help to understand the level of satisfaction of customers regarding Islamic Banks. In this study d...
John J. Seater
A unified model of monetary policy and bank regulation is presented. In accordance with modern banking theory, banks not only intermediate loans and deposits but also provide a financial service affecting aggregate output. Optimal parameter settings for monetary and regulatory policy are derived. New results are that monetary policy affects the expected level as well as the variance of output, bank regulation should change continually in response to the state of the economy, and bank regulati...
Artha, I.K.D.S.; de Haan, J.
Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period 1953-2008 and compares it with a new legal CBI indicator based on Cukierman (1992). The indicator of actual independence captures institutional and economic factors that affect CBI. We find that before 199...
Khaustov, Alexander A
Three new species of the genus Stigmaeus Koch, 1836 (Acari: Stigmaeidae) are described from various habitats in Crimea: Stigmaeus kuznetsovi sp. nov. from nests of Microtus socialis (Rodentia: Cricetidae); S. mitrofanovi sp. nov. from galleries of Pityogenes bistridentatus (Coleoptera: Curculionidae) under the bark of Pinus pallasiana, and S. silvestris sp. nov. from rotten log of Pinus pallasiana. Stigmaeus corticeus Kuznetsov and Wainstein, 1977 and S. maraghehiensis Bagheri and Ueckermann, 2012 are recorded for the first time in Crimea. A key to species of the genus Stigmaeus of Crimea is provided.
Full Text Available Internet banking has made it easy to carry out the personal or business financial trans action without going to bank and at any suitable time. This facility enables to transfer money to other accounts and checking current balance alongside the status of any financial transaction made in the account. However, in order to maintain privacy and t o avoid any misuse of transactions, it is necessary to follow a secured architecture model which ensures the privacy and integrity of the transactions and provides confidence on internet banking is stable. In this research paper, a secured hybrid architect ure model for the internet banking using Hyperelliptic curve cryptosystem and MD5 is described. This hybrid model is implemented with the hyperelliptic curve cryptosystem and it performs the encryption and decryption processes in an efficient way merely wi th an 80 - bit key size. The various screen shots given in this contribution shows that the hybrid model which encompasses HECC and MD5 can be considered in the internet banking environment to enrich the privacy and integrity of the sensitive data transmitte d between the clients and the application server
The infrared spectra of pure compounds of ninety thousands, poly compounds of twelve thousand, drugs of one thousand were included in the data bank. All of them can be searched out according to their serial number, chemical name, commercial name, amount of each atoms, or molecular formula, as well as their spectrum peak appearances. Program for spectrum information inputting, program for spectrum information search and program for spectrum peak appearance search were included in the system; in addition, spectrum information data bank, spectrum peak code data bank and spectrum figure data bank were attached to the system. System program was written by Visial Basic, and run under Windows system. The spectrum information data bank and spectrum figure data bank were administrated by Microsoft Access.The program for spectrum message inputting can be used to add message data and spectrum figure of some new compounds into the data banks by users themselves. The program for spectrum message search was designed to find out all the message data and spectrum figure of interested compound according to someone of the message data. The program for spectrum peak search was designed to find out some spectra most similar in peak shape with unknown spectrum by peak to peak comparison. When the wavenumbers and transmittances of main peaks in the spectrum of unknown sample were entered, the spectrum peak search was performed and several hits with higher similarity were reported including their similarity scores, spectrum serial numbers, sample's states,melt points, molecular formulas as well as spectrum images. If the search result was not satisfactory,some methods to modify spectrum parameters were reminded and search was performed again.
Chung-Hua Shen; Chin-Hwa Lu; Meng-Wen Wu
This study investigates how foreign bank/investor penetrations influence local bank performance in China. At the country level, foreign bank penetration is proxied by MacroFP, measured by the percentage of banks with foreign strategic investors (FSI) among total banks. At the bank level, foreign bank penetration is proxied by MicroFP, measured by the percentage shareholding of FSI in a bank. When foreign bank penetration is proxied by MacroFP, it is found to improve the profitability of local banks but not to reduce costs. Next, when foreign bank penetration is proxied by MicroFP, it is found to affect neither profitability nor costa. In sum, the present study demonstrates that the opening-up policy is correct from a macro perspective. However, for banks that have introduced FSI, determining the reasona for improvements in performance being inhibited is more important than releasing more shares to foreign investors.
... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Effect on other banking practices. 337.11 Section 337.11 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY UNSAFE AND UNSOUND BANKING PRACTICES § 337.11 Effect on other banking practices. Nothing...
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank acting as finder. 7.1002 Section... OPERATIONS Bank Powers § 7.1002 National bank acting as finder. (a) General. It is part of the business of banking under 12 U.S.C. 24(Seventh) for a national bank to act as a finder, bringing together...
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Banks as secured creditors. 950.8 Section 950.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.8 Banks as secured creditors. (a) Except as provided...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4020 Section 614.4020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4020 Banks for cooperatives. (a) Banks for cooperatives are authorized to...
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Public notice by banks. 25.44 Section 25.44 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY COMMUNITY REINVESTMENT ACT AND... Public notice by banks. A bank shall provide in the public lobby of its main office and each of...
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited recredit for banks. 229.55 Section 229.55 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... Expedited recredit for banks. (a) Circumstances giving rise to a claim. A bank that has an indemnity...
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Public notice by banks. 228.44 Section 228.44 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM... notice by banks. A bank shall provide in the public lobby of its main office and each of its branches...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4355 Section 614.4355 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4355 Banks for cooperatives. No bank for cooperatives may make a loan...
The study aims to outline the specifics related with the emergence and development of central banking in Bulgaria. Established in 1879 as an ordinary commercial bank, Bulgarian National Bank experienced a number of ups and downs in its 130 year history. In its evolutionary development, it became a central issue and Bank of Bulgaria in 1928. In the years of socialism, Bulgarian National Bank is experiencing its devolution development to become in the period 1971-1982 in the only bank in count...
Full Text Available Abstract Everyday refinement and development of technology has led to an increase in the competition between the Tech companies and their going out of way to crack the system andbreak down. Thus providing Data mining a strategically and security-wise important area for many business organizations including banking sector. It allows the analyzes of important information in the data warehouse and assists the banks to look for obscure patterns in a group and discover unknown relationship in the data.Banking systems needs to process ample amount of data on daily basis related to customer information their credit card details limit and collateral details transaction details risk profiles Anti Money Laundering related information trade finance data. Thousands of decisionsbased on the related data are taken in a bank daily. This paper analyzes the banking dataset in the weka environment for the detection of interesting patterns based on its applications ofcustomer acquisition customer retention management and marketing and management of risk fraudulence detections.
Morente, M M; de Alava, E; Fernandez, P L
In the last decade the technical advances in high throughput techniques to analyze DNA, RNA and proteins have had a potential major impact on prevention, diagnosis, prognosis and treatment of many human diseases. Key pieces in this process, mainly thinking about the future, are tumour banks and tumour bank networks. To face these challenges, diverse suitable models and designs can be developed. The current article presents the development of a nationwide design of tumour banks in Spain based on a network of networks, specially focusing on its harmonization efforts mainly regarding technical procedures, ethical requirements, unified quality control policy and unique sample identification. We also describe our most important goals for the next years. This model does not correspond to a central tumour bank, but to a cooperative and coordinated network of national and regional networks. Independently from the network in which it is included, sample collections reside in their original institution, where it can be used for further clinical diagnosis, teaching and research activities of each independent hospital. The herein described 'network of networks' functional model could be useful for other countries and/or international tumour bank activities.
Dr. Krishna A. Goyal
Full Text Available The banking industry in India has a huge canvas of history, which covers the traditional bankingpractices from the time of Britishers to the reforms period, nationalization to privatization of banksand now increasing numbers of foreign banks in India. Therefore, Banking in India has beenthrough a long journey. Banking industry in India has also achieved a new height with thechanging times. The use of technology has brought a revolution in the working style of the banks.Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people onthe institution remain the same. The majority of the banks are still successful in keeping with theconfidence of the shareholders as well as other stakeholders. However, with the changingdynamics of banking business brings new kind of risk exposure.In this paper an attempt has been made to identify the general sentiments, challenges andopportunities for the Indian Banking Industry. This article is divided in three parts. First partincludes the introduction and general scenario of Indian banking industry. The second partdiscusses the various challenges and opportunities faced by Indian banking industry. Third partconcludes that urgent emphasis is required on the Indian banking product and marketingstrategies in order to get sustainable competitive edge over the intense competition from nationaland global banks.This article is a small seed to existing branch of knowledge in banking industry and is useful forbankers, strategist, policy makers and researchers.
As earnings power is one of the primary capacities for commercial banks, by analyzing several indexes on banks'operation performance, this article compared the earnings power between the state banks and the stock banks in China. Through the analysis, some problems of domestic banks may be found and pointed out that the commercial bank should stress on the target of profit maximum to avoid the financial risks. With enough earnings power, the domestic banks can take the challenge with those foreign banks entering domestic money market.
Full Text Available Using data for 1238 banks located in 94 developing and emerging countries, we explore whether the impact of bank regulation and supervision on banking risk (measured by the banks’ Z-scores depends on bank structure. Our findings suggest that stricter regulation and supervision increases the banks’ Z-scores. Notably capital requirements and supervisory control diminish banking risk. However, the effectiveness of other dimensions of regulation and supervision depends on the organizational structure of banks. Notably activity restrictions reduce risk of large and foreign owned banks, while liquidity restrictions have most effect on the Z-scores of unlisted and commercial banks.
Sudha, Raju; Thiagarajan, A S; Seetharaman, A
The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks. 987.7 Section 987.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.7 Liability of Banks,...
Primeiro registro de Oligonychus yothersi (McGregor (Acari: Tetranychidae em Eucalyptus grandis Hill ex Maiden no Brasil First record of Oligonychus yothersi (McGregor (Acari: Tetranychidae on Eucalyptus grandis Hill ex Maiden in Brazil
Fabrício Fagundes Pereira
Full Text Available Relata-se a infestação de um ácaro-vermelho em mudas clonais de Eucalyptus grandis Hill ex Maiden, mantidas em casa de vegetação no município de Martinho Campos, Minas Gerais. O ácaro foi observado na parte superior das folhas que exibiam sinais de sucção de seiva e bronzeamento. Essas injúrias causaram desenvolvimento anormal e morte de plantas. O ácaro foi identificado como Oligonychus yothersi (McGregor (Acari: Tetranychidae, e isso representa o primeiro registro dessa espécie em mudas clonais de E. grandis no Brasil.An infestation of the red spider mite was reported in clone seedlings of Eucalyptus grandis Hill ex Maiden under greenhouse conditions, in the municipality of Martinho Campos, Minas Gerais State. The spider mite was found on the leaf upper faces with signs of sap suction and bronzing. Such injuries caused abnormal development and plant death. The spider mite was identified as Oligonychus yothersi (McGregor (Acari: Tetranychidae. This is the first record of O. yothersi on E. grandis seedlings in Brazil.
.... Westbury Bank West Bend...... Wisconsin. Federal Home Loan Bank of Des Moines--District 8 Atkins Savings Bank & Trust.. Atkins......... Iowa. First State Bank Sumner......... Iowa. Northwestern Bank...
Hansen, Maj; Elklit, Ask
Each year, numerous bank robberies take place worldwide. Even so, only few studies have investigated the psychological sequelae of bank robbery and little is known about the risk factors associated with the development of posttraumatic stress disorder (PTSD) following this potentially traumatic...... event. Knowledge about risk factors related to PTSD may allow for preventive measures to be taken against the development of PTSD and reduce the large cost associated with the disorder. We investigated multiple predictors of PTSD severity in a highly representative Danish cohort study of bank employees...... exposed to robbery (N = 371, response rate = 73 %, dropout rate = 18 %). The results of a hierarchical regression analysis showed that 51 % of the variance in PTSD severity could be explained with only peritraumatic dissociation, acute stress disorder (ASD) severity, and negative cognitions about self...
Pasaribu, Andreas Dimpos
Bank Indonesia as the central bank has the authority issued a policy in the short-term loans to rescue troubled banks. Bank Indonesia may provide funds to banks experiencing liquidity problems through the Short Term Funding Facility (FPJP) in the form of credit to cope with short-term financial problems to be resolved because if not addressed will affect systemic. The problems discussed in this study were: first, how is the setting of short-term financing facility in the banking system in ...
Bank of the future has become the subject of scientific polemics in economic domain. Bank of the future - it is a bank with a set of unique technologies that allow customers to perform financial transactions from anywhere, at any time of day and any day of the week, quickly, effectively and safely. The establishment of this type of bank will take place through the formation in accordance with the design of “Bank 2.0” conception and training to “Bank 3.0”. This will lead to quantitative and qu...
Lipton, M; Shakow, A
During the 1970s it was World Bank policy to use its funds to raise the productivity and living standards of the poor. It has increased its lending for sector and subsectors considered to offer the most direct benefits to the poor such as rural development, population, health, and nutrition. Projects with particular emphasis on poverty have benefitted large numbers of poor people and have had good economic rates of return. Lending for rural projects increased in the 1970s from US$2.6 billion in 1969-73 to over US$13 billion in 1978-81; rural development projects audited in 1979 benfitted 660 small farmers for every US$1 million loaned compared with 47 farmers/US$1 million in other agricultural projects. Some problems are: 1) low-risk technical packages appropriate for poor farmers in semi-arid rainfed areas are not readily available; 2) the Bank's rural development strategy seeks mainly to raise the production of small farms, but other aspects need to be emphasized; 3) domestic pricing and postharvest policies often undermine the success of projects aimed at the rural poor; and 4) success in rural development often rests on sociological and cultural factors, difficult areas that deserve more attention. For urban areas the Bank has strongly endorsed providing "sites and sources" instead of structures; since 1972, 52 Bank projects centered on urban shelter involving US$1.6 billion have been undertaken. Cost recovery is established at 66-95%. About 5% of Bank lending is for education and despite the importance of population, health, and nutrition, these areas absorb less than 1% of the Bank's total lending program. Only US$400 million in population loans were made to 13 countries in the 1970s and only recently have separate health projects been started. Emphasis for the 1980s must be on rural development, urban shelter, primary education, health, education, and population.
Lee, K V; Moon, R D; Burkness, E C; Hutchison, W D; Spivak, M
The parasitic mite Varroa destructor Anderson & Trueman (Acari: Varroidae) is arguably the most detrimental pest of the European-derived honey bee, Apis mellifera L. Unfortunately, beekeepers lack a standardized sampling plan to make informed treatment decisions. Based on data from 31 commercial apiaries, we developed sampling plans for use by beekeepers and researchers to estimate the density of mites in individual colonies or whole apiaries. Beekeepers can estimate a colony's mite density with chosen level of precision by dislodging mites from approximately to 300 adult bees taken from one brood box frame in the colony, and they can extrapolate to mite density on a colony's adults and pupae combined by doubling the number of mites on adults. For sampling whole apiaries, beekeepers can repeat the process in each of n = 8 colonies, regardless of apiary size. Researchers desiring greater precision can estimate mite density in an individual colony by examining three, 300-bee sample units. Extrapolation to density on adults and pupae may require independent estimates of numbers of adults, of pupae, and of their respective mite densities. Researchers can estimate apiary-level mite density by taking one 300-bee sample unit per colony, but should do so from a variable number of colonies, depending on apiary size. These practical sampling plans will allow beekeepers and researchers to quantify mite infestation levels and enhance understanding and management of V. destructor.
Heller, Erin L; Wright, Chelsea L; Nadolny, Robyn M; Hynes, Wayne L; Gaff, Holly D; Walters, Eric L
Ixodes affinis Neumann (Acari: Ixodidae) is a hard-bodied tick species distributed throughout much of the southeastern United States. Although I. affinis does not parasitize humans, it is a competent vector of Borrelia burgdorferi sensu stricto, the causative-agent of Lyme disease, and thus contributes to the enzootic maintenance of this pathogen. This study presents evidence of I. affinis parasitizing five new host passerine species. During 2012-2014, 1,888 birds were captured and examined for ticks, and 18 immature I. affinis were collected from 12 birds-six Carolina Wrens (Thyrothorus ludovicianus); two Brown Thrashers (Toxostoma rufum); and one American Robin (Turdus migratorius), Eastern Towhee (Pipilo erythrophthalmus), Northern Cardinal (Cardinalis cardinalis), and White-throated Sparrow (Zonotrichia albicollis). Of 15 larvae and 3 nymphs collected, one nymph tested positive for B. burgdorferi DNA. I. affinis was found co-feeding on birds with immature Amblyomma americanum (L.), Ixodes brunneus Koch, Ixodes dentatus Marx, Ixodes scapularis Say, and Haemaphysalis leporispalustris Packard. The results of this research provide a better understanding of I. affinis hosts and identify avian taxa that may play a role in the maintenance and dispersal of this tick species.
Full Text Available The goal of this study was to evaluate the morphometric variation of laelapine populations (Acari, Mesostigmata associated with neotropical oryzomyine rodents at different geographic localities in Brazil. Three nominal mite species were selected for study, all infesting the pelage of small mammals at different localities in Rio de Janeiro, Espírito Santo, Bahia, and the Federal District, Brazil. To analyse morphometric characteristics, thirty-seven morphological characters distributed across the whole body of each specimen were measured. We use the Analysis of Principal Components, extracting the three first axes and projecting each mite in these axes. Major species level changes in the taxonomy of the host mammals allows an independent examination of morphometric variation of mites infesting a set of distinctly different host species at different geographic localities. Gigantolaelaps vitzthumi and Laelaps differens are associated with oryzomyine rodents of the genus Cerradomys, and consistently showed a tendency to cluster by host phylogeny. Laelaps manguinhosi associated with Nectomys rattus in central Brazil is morphometrically distinct from mites infesting N. squamipes in the coastal restingas of Rio de Janeiro and Espírito Santo. The results obtained here indicate that laelapine mite populations can vary among geographic areas and among phylogenetically related host species. Clearly, the study of these mites at the population level can be an important tool for clarifying the taxonomy of both mites and hosts.
Full Text Available Introduction: By considering an increase in drug resistance against red mites, finding the nonchemical herbal acaricide against Dermanyssus gallinae (De Geer (Acari: Mesostigmata is necessary to kill them and to reduce the chemical resistance against chemical acaricides in this specie. Dermanyssus gallinae is a potential vector of the causal agent of several viral diseases such as Equine encephalitis and St. Louis encephalitis. It can be a vector of bacteria such as Salmonella spp., Mycobacterium spp. and Erysipelothrix rhusiopathiae. It is also known to cause itching dermatosis in humans. In this study acaricidal and repellent activities of essential oil of Eucalyptus globulus against Dermanyssus gallinae were studied. Methods: After extracting the essential oil, different concentrations of the plant extract were prepared. Then, acaricidal effect of different concentrations was tested on poultry red mite, Dermanyssus gallinae, by dropping 3-4 drops of essential oil on mites. Repellent activity of essential oil was tested by Y-tube olfactometer bioassay. After the test, total number of killed and repellent mites reported. Results: Concentration of 1:2 or 50% had more acaricidal effect on mites. Also essential oil of Eucalyptus globulus had repellent activity against red mites. Conclusion: This study showed that essential oil of Eucalyptus globulus had acaricidal and repellent activities against red mites. Hence it might be used as a herbal acaricide against it to kill and to reduce the chemical resistance in this specie.
Rosilda Mara Mussury
Full Text Available The impact four cultivation systems on the soil fauna was studied, using Oribatida and Gamasida acarids as bioindicators and collembolan. The research was carried out in experimental fields, located in EMBRAPA - CPAO in Dourados, Centerwest of Brazil from July 1997 to December 1999. The constant pasture system presented smaller impact on the soil fauna followed by agricultural cattle rotation and a direct plantation system. In the conventional plantation series, the populational density of the mesofauna organisms was low, especially collembolan families.O impacto de quatro sistemas de cultivo sobre a fauna de solo foram estudados, utilizando-se como bioindicadores os acari Oribatida e Gamasida e os Collembola. A pesquisa foi conduzida em campos experimentais, localizados na EMBRAPA - CPAO no município de Dourados, MS, no período de julho de 1997 à dezembro de 1999. O sistema de pastagem contínua apresentou menor impacto sobre a fauna de solo seguido da rotação agricultura pecuária e do sistema de plantio direto. Nas sucessões do plantio convencional, a densidade populacional dos organismos da mesofauna foi baixa, em especial as famílias de colembolos.
Suzuki, Takeshi; Wang, Chih-Hung; Gotoh, Tetsuo; Amano, Hiroshi; Ohyama, Katsumi
Tiny agricultural pests such as spider mites (Acari: Tetranychidae) attached to seedlings grown outdoors often invade greenhouses, thereby triggering pest outbreaks. To solve the problem, we examined whether differences in anoxia tolerance between animals and plants would permit the application of an anoxic environment to control spider mites without the aid of acaricides. Under an anoxic environment created by using a commercial deoxidant at 25 °C, the time for 50 % mortality of eggs, non-diapausing adults (summer form), and diapausing adults (winter form) were 6.1, 5.5, and 23.6 h, respectively, for Tetranychus urticae Koch and 5.4, 3.9, and 23.2 h, respectively, for Tetranychus kanzawai Kishida. With anoxia for 12 h, no eggs and non-diapausing adults survived in either species, whereas most diapausing adults (98 % for T. urticae and 88 % for T. kanzawai) survived. Under this treatment, host Phaseolus vulgaris L. seedlings showed serious physiological disorders in their primary leaves and apical buds, and unusual lateral buds developed in the cotyledon axils. The spider mites acquire anoxia tolerance during diapause, but anoxia can potentially control them during the summer if no negative effects are observed in the treated seedlings.
Full Text Available One of the major pests of soybeans in Bulgaria is the spider mite Tetranychus turkestani Ug et Nik (Acari: Tetranychidae and different results have been reported about the impact of water stress on its development and reproduction. Soybean plants exposed to natural infestation by spider mites, water deficit and treatment with imidacloprid were examined under greenhouse conditions at the Institute of Forage Crops, Pleven, Bulgaria, over the period 2011-2012. The development of mites and their eggs was faster when plants were exposed to water deficit, which created favorable conditions for high density and reproduction of T. turkestani. There was a vertical distribution of protonymphs, deutonymphs and adults as their numbers and egg counts were significantly higher under conditions of water deficit on the upper and middle plant parts, compared with their bottom parts, and imidacloprid treatment had a stronger and more prolonged activity against mites, compared to its influence on well-watered plants. Spider mites on water-stressed plants caused a 24.8% reduction in the contents of plastid pigments, and carotenoids, and 21.5% decrease on well-watered plants.
Sammataro, D; Finley, J; Underwood, R
The effectiveness of oxalic acid (OA) and Sucrocide (S) (AVA Chemical Ventures, L.L.C., Portsmouth, NH) in reducing populations of the varroa mite Varroa destructor Anderson & Trueman (Acari: Varroidae) in honey bee, Apis mellifera L. (Hymenoptera: Apidae) colonies was measured under the desert conditions of Arizona, USA. OA and S were applied three times 7 d apart. A 3.2% solution of OA was applied in sugar syrup via a large volume syringe, trickling 5 ml per space between frames in the colony. S was applied at a concentration of 0.625% (mixed with water), according to the label directions, using a compressed air Chapin sprayer at 20 psi to apply 59 ml per frame space. Varroa mites, collected on a sticky board before, during, and after the treatments, were counted to assess the effectiveness of the treatments. This study showed that a desert climate zone did not confer any positive or negative results on the acaricidal properties of OA. Even with brood present in colonies, significant varroa mite mortality occurred in the OA colonies. In contrast, we found that Sucrocide was not effective as a mite control technique. Despite its ability to increase mite mortality in the short-term, varroa mite populations measured posttreatment were not affected any more by Sucrocide than by no treatment at all.
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.
Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas
Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...
The World Bank Group regards excessive population growth as the single greatest obstacle to economic and social advance in the underdeveloped world. Since 1969 the Bank and the International Development Agency have provided countries with technical assistance through education, fact-finding, and analysis and given 65.7 million dollars for population projects. These projects, in India, Indonesia, Iran, Jamaica, and Malaysia provide training centers, population education, research, and evaluation as well as actual construction of clinics and mobile units. Because population planning touches sensitive areas of religion, caste, race, morality, and politics, the involved nation's political commitment to plan population growth is critical to the success of any program.
Novikova V. G.
Full Text Available In the article art forms of utopian ideas embodiment in the novels of the Scottish writer I. Banks are considered. Utopian narratives are found both in the science-fiction cycle devoted to the civilization of Culture and in the novel "Business". Art modeling of the fundamental strategies of the society development characteristic for the New time, reveals their internal inconsistencies. Preindustrial, patriarchal living forms are offered instead. Novels by I. Banks visually demonstrate the feature of modern public consciousness and the absence of ideal future representations. In the article fantastic and realistic I. Banks’ novels are compared from the point of this utopian ideal.
Full Text Available According to the new rules to be applied in the European Union, data on compensation of material risk takers are to be disclosed from year 2014. This paper overviews the different expectations regarding remuneration of bank managers highlighting the requirements of European Parliament and Council. Furthermore, it analyses data of 18 European banks disclosed based on the new lawful requirements. Based on empirical study it proves there is correlation between number of material risk takers and value of total assets. However this correlation is not too strong.
Full Text Available Does bank size significantly explain the variations in bank stability? Does bank funding risk significantly impact bank stability? This paper addresses these two questions with data from the rural banking industry in Ghana. Controlling for credit risk, liquidity risk, diversification in the business model, profitability, inflation, financial structure and gross domestic product, the results suggest that an increase in the size of a rural bank results in an increase in its stability. The results also show that funding risk positively impacts bank stability. The positive relationship between size and bank stability has important repercussions for the current debate on whether or not to constrain bank size to insulate the financial system from future crisis. The positive relationship between funding risk and bank stability also has important implications for the current debate on funding of retail banks.
Full Text Available This study examines the effect of foreign bank presence on the behaviour of domestic banks by using the annual data of 37 commercial banks comprising of 7 foreign and 30 domestic banks for the time period of 2007 to 2011. We investigated how net interest margin, return on assets, overhead costs, cost to income and nonperforming loans are effected by the foreign bank presence. We have used panel regression analysis employing bank specific fixed effect model. As a developing country case, the results suggest that the increase in foreign bank share effects the interest margins and profitability of domestic banks in a decreasing manner. It wouldn't be erroneous to express that foreign banks have a positive effect on the competitive environment of domestic banks increasing overall banking standard in Pakistan, the licensing policies should be further liberalized to let new entrants further improve the domestic financial intermediation system.
Abeer F.A.A. Abbadi
Full Text Available Problem statement: This study aims at evaluating corresponding banks in Jordan. Characterizing the goals, instruments and profitability under unfavorable conditions of financial setbacks and unfair competition among banks. Focuses on the feasibility and profitability of Philadelphia Investment Bank in its international trade via its Correspondent banks. Approach: Problems and setbacks shall be screened out; reasoned and appropriate optimal recommendations are to be presented. Results: The study followed the analytical approach and depended on History Documents and In depth Interview techniques and puts a major emphasis on the fact that correspondent banking has become an essential cornerstone of international business amid the new era of world trade, globalization, external competition and cartels from the major opponents to Jordanian Banks, the main conclusion is realized the importance of correspondent banks in the international trade, so Philadelphia bank benefited from correspondent banks for the cheap cost of market entry and services were tailored to the scale of required locale. But there was no big investment in staff facilities. And there are setbacks in dealing with correspondent banks, such as fund delay in reaching destinations on time. Moreover, Jordanian banks have suffered in general from these correspondent banks because they deal with these correspondent banks individually. Conclusion/Recommendations: The recommendation of the study is, it is the time to consider solidification and forming one financial block, or a sort of cartel and face these correspondent banks in one unit. They are also called for developing collective strategies. Small banks should merge and form huge capital blocks. Another strategy is that Jordanian banks should minimize the reliance on foreign banks and should develop their own, by establishing international branches abroad to help financing their international activities.
Full Text Available This study examines the growth and development phases as well as prospects of Islamic banking in Pakistan. The role of Islamic banking is explained with special regards to corporate social responsibility (CSR as now days this concept is growing vastly. Awareness in public also has been growing and people are moving towards Islamic banking system. As we live in a Muslim country so it is very essential to have some basic knowledge about the Islamic banking. In this paper growth and performance of Islamic banking is discussed and compared among the financial years from 2003 to 2010 in terms of growth parameters like assets, deposits, sources and uses of funds. The performance indicators are also discussed to evaluate the growth and performance of Islamic banking system. In the last eight years, Islamic banking paved with the rapid market share of banking services. Moreover the efforts made by the central bank in Pakistan (SBP are also remarkable in growth of Islamic banking. By seeing the present growth of Islamic banking, it is anticipated that in near future, Islamic banking with get major share in banking industry in Pakistan.
... Bank Valrico Florida Grand Bank & Trust of Florida West Palm Beach Florida The Perkins State Bank... Rockland Massachusetts South Coastal Bank Rockland Massachusetts The Cooperative Bank Roslindale... Delmarva Seaford Delaware First Southern Bank Boca Raton Florida Platinum Bank Brandon Florida...
... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to voting shares of Anchor Commercial...
... From the Federal Register Online via the Government Publishing Office ] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to acquire additional voting shares of...
... 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation (FDIC... Register of February 25, 2011 (76 FR 10672), regarding Assessments, Large Bank Pricing. This...
Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the
@@ China's private banking: A big piece of the pie PricewaterhouseCoopers (PWC) released a report on the global private banking sector in 2007 after top executives from 265 companies in 43 countries answered responded to a questionnaire.
Full Text Available The objective of this paper is to provide a global perspective of the operational risk from a banking societies’ viewpoint. We describe the main regulations and settlements in the field and examine the various approaches of the operational banking risk. The paper presents the need of banks to managing operational risk. We study comparatively for a banking society the capital charge for covering the operational risk under the basic indicator approach and under the standardized approach. We present a case study of implementing current capital requirements at the level of a Romanian banking society. From the theoretical approach and from the description of quantifying of operational banking risk, the results of this study insist on the importance of measuring of operational banking risk and identifies major issues that need to be considered to improve the managing operational banking risk.
Full Text Available The aim of the paper is to investigate internal audit in Croatian banks and to point to its more efficient implementation. The paper provides an explanation of key terms related to internal audit in banks, defining audit, types of audit as well as its objectives and roles. In addition to specific properties of the banking system, implementation of internal audit in banks is explained as well. The year 2005 is significant due to the adoption of the Bank Act which is primarily based on provisions of BIS (Banking Information System. The Act has brought about significant changes in the concept of internal audit in banks. The general message of this paper is that internal audit, being a relatively young profession, is marked by accelerated growth, and Croatian banks should adapt their business accordingly.
İsmail Erkan Çelik
Full Text Available The World Bank is the most important financier for international investment. The bank opens credits mostly for investment projects in developing countries. Turkey has received various investment credits since its membership to the World Bank on March 11, 1947. The credits were used for economic and social domains. Turkey has also been granted credits from the European Investment Bank (EIB. The credits received are composed of micro credits that belong to small and medium enterprises (SMEs. A regional development bank, Islamic Development Bank, has also received credits through Eximbank and Industrial Development Bank of Turkey (TSKB to finance Turkish SMEs. This paper deals with Turkish investment strategies in the framework of basic principles of investment – development banks.
Kraevskiy, B.; Makukhina, Ya.
The paper considers the nature of marketing research in banking activities, the main directions of marketing research in the banking sector, identified tasks that can be solved based on the methods of marketing research.
The advent of the financial crisis and the latest event that occurred in Cyprus bring new light to how states intervene when commercial banks are facing the risk of bankruptcy. While until now institutions had a clear traditional role to protect depositors, currently there is a trend to transfer damage to companies and individuals that hold deposits.
Berk, Jan Marc
Proponents of the so-called New Economy claim that it entails a structural change of the economy. Such a change, in turn, would require the central bank to rethink its monetary policy to the extent that traditional relationships between inf1ation and economic growth are no longer valid. But such a r
van Boxtel, A.A.
This thesis consists of three chapters of a theoretical nature, all related to the topic of competition in the financial sector. The first chapter studies how competition for talented workers induces banks to set variable wage schemes, and how these wage schemes can lead to excessive risk. The secon
MacCann, Robert G.; Stanley, Gordon
An item banking method that does not use Item Response Theory (IRT) is described. This method provides a comparable grading system across schools that would be suitable for low-stakes testing. It uses the Angoff standard-setting method to obtain item ratings that are stored with each item. An example of such a grading system is given, showing how…
Kassis, Mary Mathewes; Hazlett, Denise; Ygosse Battisti, Jolanda E.
This classroom experiment uses double oral auction credit markets to illustrate the role of banks as financial intermediaries. The experiment demonstrates how risk affects market interest rates in the presence of asymmetric information. It provides fodder for a discussion of the moral-hazard problem of deposit insurance and its impact on depositor…
Charles T. Carlstrom; Timothy S. Fuerst
It is well known that sunspot equilibria may arise under an interest-rate operating procedure in which the central bank varies the nominal rate with movements in future inflation (a forward-looking Taylor rule). This paper demonstrates that these sunspot equilibria may be learnable in the sense of E-stability.
Davidson, C.A.; Foley, J.T.
In an effort to determine the environment intensities to which energy materials in transit will be exposed, a ''Data Bank'' of environmental information has been established by Sandia Laboratories, Division 1285 for the ERDA Division of Environmental Control Technology. This document is an index which can be used to request data of interest.
AHMAD KABIR USMAN; MAHMOOD HUSSA IN SHAH
This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literat...
Tujuan penelitian ini adalah untuk mengetahui sistem pembiayaan KPR (Kredit Pemilikan Rumah) bank konvensional khususnya Bank CIMB Niaga dan sistem Pembiayaan kepemilikan Rumah (PKR) khususnya Bank CIMB Niaga Syariah di Medan. Metode Analisis data yang digunakan dalam penelitian ini adalah metode analisis deskriptif, yaitu data yang dikumpulkan mula-mula disusun, diklasifikasikan, dan dianalisis sehingga akan memberikan gambaran yang jelas mengenai sistem pembiayaan KPR di bank konvensional d...
Josef Manalo; Kate McLoughlin; Carl Schwartz
One of the lessons from the global financial crisis is that systemic risk to the financial system can arise from outside the regular banking system, in so-called ‘shadow banking’. This article reviews post-crisis international and domestic trends in shadow banking, and regulatory efforts to better understand and address potential risks that may arise. In Australia, systemic risks arising from shadow banking appear limited given its relatively small size and minimal links to the banking system...
The field of mobile applications is rapidly evolving. The reason for this lies in the development of smartphones and in the beginning of their wider usage. The development of mobile applications is therefore spreading into different fields. One of them is mobile banking. Mobile banking represents new possibilities in the banking sector. It enables banking services that are independent from time and location and, with transition to smartphones, it also enables the usage of advantages of mo...
This paper provides a simple, quantitative, net worth-based, approach to assessing the need for central bank capital. It derives a concept of "core capital" (a function of the central bank's operating expenditures and the carrying cost of its international reserves) as the minimum capital needed by a central bank to ensure the credibility of its inflation target. The approach is illustrated with the published accounts of three loss-making central banks and selected accounting entries for a br...
Over fifteen years have passed since the beginning of the reconstruction of the transition countries' banking systems. The analysis of the development of commercial banking in Georgia and other transition countries points out several features, which are typical for the starting period of financial sector reforms. It turns out from this article that the success of the reconstruction of banking sector in certain countries differs substantially. Since the starting of reforms the Georgian banking...
Bank for International Settlements
This report - prepared by a Study Group chaired by Andrew Khoo (Monetary Authority of Singapore) - develops a central bank perspective on the regional integration of EME banking systems and financial markets, assesses the drivers of these developments, and draws broad conclusions for policymakers. The findings are based on data from the BIS international banking statistics (IBS) and various other public sources, interviews with the private sector, inputs from central banks from non-CGFS juris...
Hery Harjono Muljo; Holly D
From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing), investment conditions, and bank fascilities. The ...
K.T. Geetha; V.Malarvizhi
Financial liberalization and technology revolution have allowed the developments of newand more efficient delivery and processing channels as well as more innovative products andservices in banking industry. Banking institutions are facing competition not only from each otherbut also from non-bank financial intermediaries as well as from alternative sources of financing.Another strategic challenge facing banking institutions today is the growing and changing needsand expectations of consumers...
... asterisk outside the arrow at each end of the routing number to identify the bank as a reconverting bank... asterisk at each end of the number to identify the bank as a reconverting bank; (B) The indorsement date... nine-digit routing number (without arrows) and an asterisk at each end of the number. (iii)...
Bertay, A.C.; Demirgüc-Kunt, A.; Huizinga, H.P.
Abstract: This paper finds that lending by state banks is less procyclical than lending by private banks, especially in countries with good governance. Lending by state banks in high income countries is even countercyclical. On the liability side, state banks expand potentially unstable non-deposit
Bertay, A.C.; Demirguc-Kunt, Asli; Huizinga, Harry
This paper finds that lending by state banks is less procyclical than lending by private banks, especially in countries with good governance. Lending by state banks in high income countries is even countercyclical. On the liability side, state banks expand their total liabilities and, in particular,
... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan associations, and cooperative banks. 1.581-2 Section 1.581-2 Internal Revenue INTERNAL REVENUE SERVICE... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While...
<正>Invited by the CPAFFC, Michael Cohrs, Chief Executive Officer of the Corporate and Investment Banking of Deutsche Bank, visited Beijing from February 26 to 28, 2004. Vice Premier Zeng Peiyan of the State Council met with Cohrs and his party. Deutsche Bank AG, a global multipurpose bank
Deeg, Richard; Donnelly, Shawn
Banking union challenges the institutional mechanisms that alternative banks use to retain their status, goals, identity and carry out their operations. Yet the impact of banking union on them varies considerably and systematically: those alternative banks that held most closely to the traditional m
National Oceanic and Atmospheric Administration, Department of Commerce — Gridded bathymetry (5m) of the bank environment of Galvez Bank, and 2 small nearby banks S. Galvez Bank (~ 3 nmi south of Galvez) and 11-mile Reef (~ 5 nmi north of...
This article analyzes the effects from portfolio diversification and banking competition on the stability of U.S. banks during the 2008-2011 banking crisis. To do so, it uses exogenous cross-sectional and time-series variation in states' branching restrictions between 1997-2005, the degree of local
Klemin, Vernon W.
A method of simulation to tie check writing, making deposits, finding outstanding checks, receiving bank statements, and bank reconciliation into a process is presented as a way to convey to students a feeling of a procedure completed. A step-by-step teaching procedure and examples of bank statements are included. (AG)
Klomp, Jeroen; de Haan, Jakob
We re-examine the relationship between central bank independence (CBI), proxied by the central bank governor's turnover rate and an indicator based on central bank laws in place, and inflation using a random coefficient model with the Hildreth-Houck estimator for more than 100 countries in the perio
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 89.205 Section 89.205... EMISSIONS FROM NEW AND IN-USE NONROAD COMPRESSION-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 89.205 Banking. (a) Requirements for Tier 1 engines rated at or above 37 kW. (1) A...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.255 Section 96.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.255 Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in...
... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.155 Section 97.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a compliance account or...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.55 Section 96.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.55 Banking. (a) NOX allowances may be banked for future use or transfer in...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.155 Section 96.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.155 Banking. (a) CAIR NOX allowances may be banked for future use or transfer in...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.355 Section 96.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Allowance Tracking System § 96.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 90.205 Section 90.205... EMISSIONS FROM NONROAD SPARK-IGNITION ENGINES AT OR BELOW 19 KILOWATTS Certification Averaging, Banking, and Trading Provisions § 90.205 Banking. (a)(1) Beginning August 1, 2007, a manufacturer of a Class I...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.55 Section 97.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. NOX allowances may be banked for future use or transfer in a compliance account, an...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.355 Section 97.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... System § 97.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future use or transfer...
... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.255 Section 97.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a compliance account or...
Boot, A.; Ratnovski, L.; Danielson, J.
Liikanen, Vickers, and Volcker all question current banking-trading links. This chapter offers analytic scaffolding for thinking about the separation of banking and trading. Banking generates low risk returns from relationship-based activities; trading generates high-risk returns from short-term con
Bertay, Ata; Uras, Burak
This paper investigates the empirical relationship between financial structure and employee compensation in the banking industry. Using an international panel of banks, we show that well-capitalized banks pay higher wages to their employees. Our results are robust to changes in measurement, model sp
Full Text Available The impact of electronic banking on the profitability of commercial banks has been measured by developing the integrated model based on Return on Equity for the period of 2002 to 2012. Three major banks named as National Bank of Pakistan, Habib Metropolitan Bank, and Askari Bank Limited have been incorporated into the sample of this study, by applying the Ordinary Least Square (OLS , it has been concluded that services of E-Banking have significant impact on the profitability of recent adopters in terms of Return on Equity.
ELENA SILVIA DINCULESCU
Full Text Available Involved in the competition to attract and turn the clientele faithful, banks develop a series of activities that could increase their popularity, trust, and acknowledgement. Thus, creating a distance banking service is an opportunity that must be put into value. The present tendency at international level is the significant decrease of the importance of distribution channels through the classic banking network. In this context, active banks in Romania cannot be dissociated from the existing tendencies, and the spectacular dynamics of distance banking services in the last years has shown that, in a future closer than expected, clients might abandon the services of a bank with bad quality e-banking.
Ibrahim, Badru Abdullatif
ABSTRACT: Banks in Kenya have adopted mobile banking (M-banking) technology in order to provide convenient and affordable banking services. In Kenya mobile banking was introduced in 2007 by Safaricom. Safaricom introduced M-Pesa which was the platform for mobile banking and all the transactions were operated through this innovation. The embrace of mobile banking in Kenya was so high that it was the leading provider of mobile banking services and its performance has been great compared to all ...
Full Text Available Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA, but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA, Standard Bank, Nedcor and First National Bank (FNB influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996 as consumers are attracted to the convenience, safety and lower costs of doing banking online. Trust is a significant component of Internet banking and online services and products.Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT.Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are
Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single
Full Text Available The aim of this study is to examine the bank-specific and macroeconomic determinants of the banks profitability in Turkey over the time period from 2002 to 2010. The bank profitability is measured by return on assets (ROA and return on equity (ROE as a function of bank-specific and macroeconomic determinants. Using a balanced panel data set, the results show that asset size and non-interest income have a positive and significant effect on bank profitability. However, size of credit portfolio and loans under follow-up have a negative and significant impact on bank profitability. With regard to macroeconomic variables, only the real interest rate affects the performance of banks positively. These results suggest that banks can improve their profitability through increasing bank size and non-interest income, decreasing credit/asset ratio. In addition, higher real interest rate can lead to higher bank profitability.
In theory, the presence of foreign banks has spillover and competition effects on domestic banks leading to higher efficiency. Next to foreign banks from industrialized countries (north-south banks), foreign banks from developing countries (south-south banks) are important investors in Sub-Saharan Africa (SSA). South-south banks are either regional investors or are hosted in developing countries beyond SSA. This paper studies the competitive advantages and strategies of north-south as well as...
Shaikh, Aijaz A.; Karjaluoto, Heikki
This study examines mobile banking (m-banking) application usage in Finland by linking it with customer-bank relationship development. Specifically, we examine how usage is related to relationship commitment, overall satisfaction, intention to recommend the bank and future intentions to remain with the bank. A survey was used to collect data from experienced mbanking application users. In total, 273 valid responses were received. The results support the hypotheses and rev...
The purpose of this paper is to realize a comparative analysis of theinternal banking control and internal audit, based on the Romanian banking system case.We identify the main differences and similarities between internal control and internalaudit at the level of Romanian banks. Using national regulatory framework and activebanks‘ from Romanian behavior, we find evidence of the risk-based audit approach andthe solid interdependence between the banking internal control and banking internalaud...
The thesis consists of four separate papers that can be read individually. In the first paper “Efficiency of the Polish Banking Industry: Foreign versus Domestic Banks” we analyze the efficiency of foreign and domestic banks. The second paper entitled “Foreign Acquisitions and Industry Wealth Effects of Privatisation: Evidence from the Polish Banking Industry” investigates the reaction of Polish bank stocks to acquisition by foreign investors. The third paper “Consolidation of the Polish Bank...
De Haan, Jakob; I Kadek Dian Sutrisna Artha
Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period 1953-2008 and compares it with a new legal CBI indicator based on Cukierman (1992). The indicator of actual independence captures institutional and economic factors that affect CBI. We find that before 199...
Artha, I.K.D.S.; de Haan, J.
Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period 1953-2008 and compares it with a new legal CBI indicator based on Cukierman (1992). The indicator of actual independence captures institutional and economic factors that affect CBI. We find that before 199...
Full Text Available This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO. The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1 integration human resources planning with corporate plan, (2 skill development accommodating individual, organizational and business needs, (3 effective strategy aligned with appropriate system and proper business orientation, (4 suitable organizational structure with internal and external business environment, (5 system development oriented to customer satisfaction, (6 proper style of leadership that affects organizational culture and financial performance, (7 implementation of organizational culture in increasing corporate performance, and (8 consistency in socializing and implementing corporate culture.
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following...
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.129 Section 225.129 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.129 Activities closely related to banking. Courier activities....
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.123 Section 225.123 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.123 Activities closely related to banking. (a) Effective June...
Klomp, Jeroen; Haan, de Jakob
Using data for 1238 banks located in 94 developing and emerging countries, we explore whether the impact of bank regulation and supervision on banking risk (measured by the banks' Z-scores) depends on bank structure. Our findings suggest that stricter regulation and supervision increases the bank
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84... APPRAISALS Other Real Estate Owned § 34.84 Future bank expansion. A national bank normally should use real estate acquired for future bank expansion within five years. After holding such real estate for one...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks. 614.4000 Section 614.4000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4000 Farm Credit Banks. (a) Long-term real estate lending. Except to the extent...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Priority of claims-banks. 627.2750 Section 627.2750 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM TITLE IV CONSERVATORS, RECEIVERS, AND VOLUNTARY LIQUIDATIONS Receivers and Receiverships § 627.2750 Priority of claims—banks....
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4010 Agricultural credit banks. (a) Long-term real estate lending. Except to...
... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Public notice by banks. 345.44 Section 345.44 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY COMMUNITY REINVESTMENT Records, Reporting, and Disclosure Requirements § 345.44 Public notice by banks....
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Records of member banks. 215.8 Section 215.8 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM LOANS TO EXECUTIVE OFFICERS, DIRECTORS, AND PRINCIPAL SHAREHOLDERS OF MEMBER BANKS (REGULATION O) § 215.8 Records...
... RELATIONS WITH FOREIGN BANKS AND BANKERS (REGULATION N) Regulations § 214.5 Accounts with foreign banks. (a) Any Federal Reserve Bank, with the consent of the Board, may open and maintain accounts payable in... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Accounts with foreign banks. 214.5 Section...
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Cancellation of Reserve Bank stock. 209.3... ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.3 Cancellation of Reserve Bank stock. (a) Application for cancellation. Any bank that desires to withdraw from membership...
Mansour Dehghan; mahdi ghafoorifard; Babak Shamsi; Seyed hamid Seyed heydari Seyed heydari
Recently, the growth of information technology and increasing competition among banks has considerably affected attracting customers. Banking industry has made great changes to transform into the core banking. The present study aims to assess the effect of the implementation of core banking services on profitability. These services, as different branches of electronic banking, are consisting of internet banking, mobile banking, telephone banking, point of sale (POS), ATM, and electronic money...
Full Text Available 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: Sarcoptiformes: Endeostigmata: Alicorhagiidae and Geocentrophora baltica (Kennel, 1883 (Platyhelminthes: Rhabditophora: Trepaxonemata: Amplimatricata: 'Lecithoepitheliata': Prorhynchida: Prorhynchidae. The families Alicorhagiidae and Prorhynchidae both represent new taxa in the fauna of the country.
Pesic, V.; Chatterjee, T.; Chan, B.K.K.; Ingole, B.S.
, D.R. (1996) A freshwater species of Pontarachna (Acari, Pontarachnidae) from South Africa, with a discussion of genital acetabula in the family. Anales Instituto de Biologa, Universidad Nacionale Aut- noma de Mxico, Seria Zoologa, 67, 259... Ocean, Red Sea and Indian Ocean (Smit 2002). Most species live in the marine littoral zone, but a few species occur in freshwater or brackish habitats. In the present paper, new records for Pontarachna australis Smit, 2003 (Taiwan) and Litarachna...
Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.
Full Text Available The paper shows a number of important e-banking innovations that take place on Polish market. It also presents digital channels trends in e-banking and mobile banking with projections for next five years. All innovations being developed are more and more considered by the banks as an element of their strategy, in order to offer enhanced customer experience and better ménage relations with their customers. A visible trend is integration of digital channels with physical ones. Banks tend to invest more in innovations in order to gain competitive advantage.
Full Text Available Corporate governance system of Sharia financial institution that based on Islamic law may result more variables principles then conventional owns. The restriction of usury are highly speculative transaction, embedded prohibited matter are main features in Sharia business institution. Sharia Supervisory Board, as board that supervises banking practices conforms to Sharia stipulations, hold strong important role within Islamic banking. Both important points above had direct effects on efficiency which attained by Islamic banking compared with conventional banking. This study examines the influence of corporate governance implementation toward efficiency banking sector with bank category as moderator variable. This study hypothesize that corporate governance has significant influences toward banks efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamic bank efficiencies is higher than conventional bank. Measurement of efficiencies is using Stochastic Frontier Approach program, and then using SPSS in procces hypothetical model. The results of the study do not support the hypothesis. Examined result shows that statically corporate governance is not influenced by bank efficiency achievement. Corporate governance influences over Islamic bank has not show higher significance than conventional and Islamic bank efficiencies remain steady. Data limitations, complexity of the efficiency measures and the complexity of the operation of Islamic banks may explain the finding.
Full Text Available Problem statement: The main goal behind this study is to identify whether banks are working at full efficiency or not and spot the changes in efficiency for banks operating in Lebanon after 2007 financial crisis. Approach: This study was conducted to examine the technical efficiency of 40 banks operating in Lebanon over the two sub-periods 2002-2006 and 2006-2009 using Data Envelopment Analysis (DEA. Results: The results from DEA show that the extent of technical efficiency varies across the banks. Citibank, HSBC, BBAC, IBL and FBL are found to be working at fully technical efficiency, while RBA, HBA, BCN, SGBL, BLA and SLCB are found to be prominently inefficient. Technical efficiency is the highest in large banks and lowest in small banks. Conclusion: After 2007 financial crisis, foreign banks have suffered more with technical efficiency decreasing in foreign banks, while local banks had a significant increase in technical efficiency. Small and medium banks are found to be working at increasing returns to scale, while large banks are working at decreasing returns to scale.
Full Text Available The current global economic crisis has affected the development of banking system in Western Balkan Countries, including Italy and Greece. These effects are expressed with the contraction of lending, fallen of foreign direct investments, fallen of the volume of remittances and fallen of international trade. The banking system continually faces new challenges in a dynamically changing financial system, and this makes difficult theimplementation of bank regulation and supervision.All the countries have improved their banking regulation in order to avoid the contagion effect among banks and banking system in general, effects that get increased especially when banks are engaged in international banking. The standardization of regulatory requirements provides potential solution to the problems of regulating international banking. So, there is a moving through agreements like Basel Accords.For all these countries will be a comparison of regulatory capital to risk-weighted assets ratio and of capital to assets ratio in order to find out how well is capitalized their bankingsystem. The sources of data are the reports of International Monetary Fund for a time series of 2008-2013. In the end there are some conclusions for the main problems that theimplementation of supervision and bank regulation faces.Keywords: Basel Accords, Capital Ratio, Banking Regulation
Liu, Xi-Hong; Ding, Zong-Yi
The history of breast milk banks is over 100 years. Most of the milk banks were closed because of HIV in the 80's. But more and more milk banks are re-opening and new ones are being established as the composition and superiority of breast milk are recognized again. The Human Milk Banking Association of North America and European Milk Bank Association have been set up and they have established and revised the standards and guidelines of breast milk banks. There is no doubt of the clinical effects of donor human milk on preterm infants worldwide. The Committee on Nutrition of the European Society for Pediatric Gastroenterology, Hepatology and Nutrition recommended that the preterm infants should use donor human milk when their own mothers' milk is not enough. The first breast milk bank was set up in China in 2013, and its clinical and social significance is worthy of further study.
Full Text Available In today’s banking business, liquidity risk and its management are some of the most critical elements that underlie the stability and security of the bank’s operations, profit-making and clients confidence as well as many of the decisions that the bank makes. Managing liquidity risk in a commercial bank is not something new, yet scientific literature has not focused enough on different approaches to liquidity risk management and assessment. Furthermore, models, methodologies or policies of managing liquidity risk in a commercial bank have never been examined in detail either. The goal of this article is to analyse the liquidity risk of commercial banks as well as the possibilities of managing it and to build a liquidity risk management model for a commercial bank. The development, assessment and application of the commercial bank liquidity risk management was based on an analysis of scientific resources, a comparative analysis and mathematical calculations.
Full Text Available Banking involves a variety of risks. Under Basel II, the main risks are the monitored credit risk, market risk and operational risk. Frequently, operational risks are underestimated, considering that they would not affect the optimal activity of a bank. However, past experience of some credit institutions have shown that operational risk is an important cause of financial losses in the banking sector. Operational risk is generated by a complex of factors that manifests primarily as a result of direct customer interaction with the credit institution. In this context, the provision of e-banking services reduces direct contact with bank customers and thus reduces potential losses arising from operational risk. In sum, we consider it necessary to be aware of the link between operational risk and e-banking services promoted by banks and of the importance of this connection especially in a financial environment affected by the financial crisis.
Wang, Zheng-Hang; Zhao, Ya-E; Xu, Yang; Hu, Li; Chen, Yi-Meng
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.
Isaiah Onsarigo Miencha
Full Text Available This paper empirically predicts the Return on Assets (ROA efficiency of sample banks by using the Data Envelopment Analysis. A sample of 18 banks was taken for the study. The sample banks were categorized into three main groups’ i.e. large size group, medium size group and small size group. The main objective of this study was to analyze the technical efficiency (in respect of return on asset of sample Kenyan banks, namely, Kenya Commercial Bank Ltd, Standard Chartered Bank Ltd, Barclays bank of Kenya Ltd, Co-operative Bank of Kenya Ltd, CFC Stanbic Bank Ltd, Equity Bank Ltd, Bank of India Ltd, Bank of Baroda Ltd, Commercial Bank of Africa Ltd, National Industrial Development Bank of Kenya Ltd, I & M Bank Ltd, Diamond Trust Bank (K Ltd, Habib Bank Ltd, Oriental Commercial Bank Ltd, Habib Bank A.G. Zurich,Development Bank of Kenya Ltd, Fidelity Commercial Bank Ltd and K-Rep Bank Ltd. The study recommends that the inefficient banks should especially improve their non-cash loans and should control their annual expenditures.
Szabó, Árpád; Pénzes, Béla; Sipos, Péter; Hegyi, Tamás; Hajdú, Zsuzsanna; Markó, Viktor
We examined the faunal composition and abundance of phytoseiid mites (Acari: Phytoseiidae) in apple orchards under different pest management systems in Hungary. A total of 30 apple orchards were surveyed, including abandoned and organic orchards and orchards where integrated pest management (IPM) or broad spectrum insecticides (conventional pest management) were applied. A total of 18 phytoseiid species were found in the canopy of apple trees. Species richness was greatest in the organic orchards (mean: 3.3 species/400 leaves) and the least in the conventional orchards (1.4), with IPM (2.1) and abandoned (2.7) orchards showing intermediate values. The phytoseiid community's Rényi diversity displayed a similar pattern. However, the total phytoseiid abundance in the orchards with different pest management systems did not differ, with abundance varying between 1.8 and 2.6 phytoseiids/10 leaves. Amblyseius andersoni, Euseius finlandicus, and Typhlodromus pyri were the three most common species. The relative abundance of A. andersoni increased with the pesticide load of the orchards whereas the relative abundance of E. finlandicus decreased. The abundance of T. pyri did not change in the apple orchards under different pest management strategies; regardless of the type of applied treatment, they only displayed greater abundance in five of the orchards. The remaining 15 phytoseiid species only occurred in small numbers, mostly from the abandoned and organic orchards. We identified a negative correlation between the abundance of T. pyri and the other phytoseiids in the abandoned and organic orchards. However, we did not find any similar link between the abundance of A. andersoni and E. finlandicus.
Full Text Available Dichloromethane (DCM extract of garlic (Allium sativum Linn. bulbs was assessed for its repellent effect against the hard tick, Hyalomma rufipes (Acari: Ixodidae using two tick behavioural bioassays; Type A and Type B repellency bioassays, under laboratory conditions. These bioassays exploit the questing behaviour of H. rufipes, a tick that in nature displays ambush strategy, seeking its host by climbing up on vegetation and attaching to a passing host. One hundred microlitres (100 µL of the test solution containing DCM extract of garlic bulbs and DCM at concentrations of 0.35%, 0.7% or 1.4% w/v were evaluated. DCM only was used for control. Tick repellency increased significantly (R2 = 0.98 with increasing concentration (40.03% – 86.96% yielding an EC50 of 0.45% w/v in Type B repellency bioassay. At concentration of 1.4% w/v, the DCM extract of garlic bulbs produced high repellency index of 87% (male ticks and 87.5% (female ticks in the Type A repellency bioassay. Only 4% avoidance of male ticks or female ticks was recorded in the Type B repellency bioassay. In the corresponding controls, the mean numbers of non-repelled male or female ticks were 80% and 41 males or 38 females of 50 ticks in the Type A and Type B repellency bioassays, respectively. The variations in the results could be attributed to the difference in tick repellent behaviours that were assessed by the two repellency bioassays; the Type A repellency bioassay assessed repellent effect of garlic extracts without discriminating between deterrence and avoidance whereas the Type B repellency bioassay only assessed avoidance response. Generally, DCM extract of garlic was repellent against H. rufipes, albeit weak tick repellency was obtained in the Type B repellency bioassay. Furthermore, this study established that the tick repellent activity of garlic extracts is predominantly by deterrence.
Slavimira A. Draganova
Full Text Available Bioassays with five isolates of the entomopathogenic fungus Beauveria bassiana (Bals.- Criv. Vuillemin were conducted under laboratory conditions with a goal to estimate their virulence to the two-spotted spider mite Tetranychus urticae Koch. (Acari: Tetranychidae. Common bean plants with mites were treated by spraying conidial suspensions of isolates at concentrations of 106, 107 and 108 conidia/ml. Lethal effects of the fungal isolates wereevaluated as percentages of cumulative daily mortality due to mycoses, corrected for mortality in the control variant. Virulence of the isolates was estimated based on values of the median lethal time (LT50 calculated by probit analysis for the variants treated with conidial suspensions at the concentration of 106 conidia/ml.The two-spotted spider mite was found susceptible to the examined isolates of the entomopathogenic fungus B. bassiana. Mycosis caused to T. urticae by the B. bassiana isolates 444 Bb and 445 Bb had fast lethal effect after treatment with conidial suspensions even at the concentration of 106 conidia/ml. The mean mortality values of host individuals were 83.78 ± 3.62% and 68.49 ± 4.28% on the first day, respectively, and up to 100% in both variants on the fourth day.The isolates 426 Bb, 444 Bb and 445 Bb of B. bassiana were highly virulent to two-spotted spider mites with values of the median lethal time varied within overlapped narrow confidence intervals from 0.122 to 1.084 days (average value 0.162 days, from 0.117 to 1.398 days (average value 0.146 days and from 0.106 to 1.162 days (average value 0.131 days,respectively. Significant differences regarding virulence of the three isolates at p-level < 0.05 could not been proved. The other two examined isolates were distinctly less virulent to T. urticae than these three B. bassiana isolates.
Khodayari, S; Colinet, H; Moharramipour, S; Renault, D
The twospotted spider mite Tetranychus urticae Koch (Acari: Tetranychidae) is an important agricultural pest. Population dynamics and pest outbreaks highly depend on the overwintering success of the mite specimens; therefore, it is necessary to assess winter survival dynamics of this pest. Seasonal changes in supercooling point (SCP) and acute cold tolerance (2-h exposure at -5, -10, -15, -20, -23, or -25°C) were assessed in field-collected females during the winter in 2010-2011 in Iran. The SCP values varied from a minimum of -30.5°C (January 2011) to a maximum of -12.6°C (April 2011). Significant differences were recorded in the SCP distribution patterns between autumn- and winter-sampled females, depicting the acquisition of cold hardiness over the winter. The mean ambient air temperature was the lowest in January (4°C), when the females showed the highest supercooling ability. Correlated patterns between monthly temperatures and acute cold tolerance also were found. At -20°C, the survival of the mites was very low (10%) when they were sampled in October 2010; whereas it was high (97.5%) in January 2011, before decreasing to 5% in April 2011. The present data show that T. urticae females are chill tolerant and capable of adjusting their cold tolerance over the winter season. Acute cold tolerance (-15 and -20°C) and SCP represent valuable metrics that can be used for predicting the seasonal changes of the cold hardiness of T. urticae females.
Heise, Stephanie R; Elshahed, M S; Little, S E
The lone star tick, Amblyomma americanum (Acari: Ixodidae), is commonly reported from people and animals throughout the eastern U.S. and is associated with transmission of a number of emerging diseases. To better define the microbial communities within lone star ticks, 16S rRNA gene based analysis using bacteria-wide primers, followed by sequencing of individual clones (n = 449) was used to identify the most common bacterial operational taxonomic units (OTUs) present within colony-reared and wild A. americanum. The colony-reared ticks contained primarily sequence affiliated with members of the genus Coxiella (89%; 81/91), common endosymbionts of ticks, and Brevibacterium (11%; 10/91). Similarly, analysis of clones from unfed wild lone star ticks revealed that 96.7% (89/92) of all the OTUs identified were affiliated with Coxiella-like endosymbionts, as compared with only 5.1-11.7% (5/98-9/77) of those identified from wild lone star ticks after feeding. In contrast, the proportion of OTUs identified as Rickettsia sp. in wild-caught ticks increased from 2.2% (2/92) before feeding to as high as 46.8% (36/77) after feeding, and all Rickettsia spp. sequences recovered were most similar to those described from the spotted fever group Rickettsia, specifically R. amblyommii and R. massiliae. Additional characterization of the Rickettsiales tick community by polymerase chain reaction, cloning, and sequencing of 17 kDa and gltA genes confirmed these initial findings and suggested that novel Rickettsia spp. are likely present in these ticks. These data provide insight into the overall, as well as the rickettsial community of wild lone star ticks and may ultimately aid in identification of novel pathogens transmitted by A. americanum.
Nchu, Felix; Magano, Solomon R; Eloff, Jacobus N
Dichloromethane (DCM) extract of garlic (Allium sativum Linn.) bulbs was assessed for its repellent effect against the hard tick, Hyalomma rufipes (Acari: Ixodidae) using two tick behavioural bioassays; Type A and Type B repellency bioassays, under laboratory conditions. These bioassays exploit the questing behaviour of H. rufipes, a tick that in nature displays ambush strategy, seeking its host by climbing up on vegetation and attaching to a passing host. One hundred microlitres (100 µL) of the test solution containing DCM extract of garlic bulbs and DCM at concentrations of 0.35%, 0.7% or 1.4% w/v were evaluated. DCM only was used for control. Tick repellency increased significantly (R2 = 0.98) with increasing concentration (40.03% - 86.96%) yielding an EC50 of 0.45% w/v in Type B repellency bioassay. At concentration of 1.4% w/v, the DCM extract of garlic bulbs produced high repellency index of 87% (male ticks) and 87.5% (female ticks) in the Type A repellency bioassay. Only 4% avoidance of male ticks or female ticks was recorded in the Type B repellency bioassay. In the corresponding controls, the mean numbers of non-repelled male or female ticks were 80% and 41 males or 38 females of 50 ticks in the Type A and Type B repellency bioassays, respectively. The variations in the results could be attributed to the difference in tick repellent behaviours that were assessed by the two repellency bioassays; the Type A repellency bioassay assessed repellent effect of garlic extracts without discriminating between deterrence and avoidance whereas the Type B repellency bioassay only assessed avoidance response. Generally, DCM extract of garlic was repellent against H. rufipes, albeit weak tick repellency was obtained in the Type B repellency bioassay. Furthermore, this study established that the tick repellent activity of garlic extracts is predominantly by deterrence.
Full Text Available In today's modern world, security plays an important role. Every person has precious accessories like gold, documents or cash. The main goal of this project is to design and implement a bank locker security system based on fingerprint and GSM technology. It reduces wastage of time for both banker as well as customer and provides advanced security. In this system, only authentic persons can recover money or accessories from bank locker. In this system the user’s name, fingerprint and mobile number are enrolled. If the fingerprint matches, then four digit code will be sent to the authorized person’s mobile through GSM modem and the locker door will be opened then, otherwise it will be in locked position and gives an alarm when any mismatch occurs. The sensors will be active during night times to provide security against thefts.
Contaldo, Nicoletta; Bertaccini, Assunta; Nicolaisen, Mogens
The setting of the Q-Bank database free available on line for quarantine phytoplasma and also for general phytoplasma identification is described. The tool was developed in the frame of the EU-FP7 project Qbol and is linked with a new project Q-collect in order to made widely available the identi...... the identification of relevant plant pests by nucleic acid sequence comparison of their barcodes....
In this paper I consider a monetary growth model in which banks provide liquidity, and the government fixes a constant rate of money creation. There are two underlying assets in the economy, money and capital. Money is dominated in rate of return. In contrast to other papers with a larger set of government liabilities, I find a unique equilibrium when agents' risk aversion is moderate. However, indeterminacies and endogenous volatility can be observed when agents are relatively risk averse.
Full Text Available All organizations must settle a price for the services they offer. The price for services is an important element of the marketing mix, being an important income source for the organization. The settlement of a correct price, both for the market and the competition, is a significant element for the sector of financial - banking services. Another important factor to take into consideration is the fact that the banks do not settle only the prices for individual services, but also coordinate their prices for service packages. As the competition in the financial - banking services has intensified, the settlement of correct prices has become an essential element for the marketing strategy. Nevertheless it is important to remind that the price is not a central element. There are other significant grounds, the price being only one of the elements of the marketing mix. Although in Romania many customers may be sensitive in present to the price, as the competition will increase, the quality of the services will become more important to the customers, and the demand will be complex.
Full Text Available In this work, we trace and analyze the emergence of the crisis in the Bulgarian banking system as well as the behavior of the central bank and other macroeconomic institutions. The average annual rate of growth in the net profits of the commercial banks for the period 2002-2008 amounted to 31.6%, which encouraged and accounted for the increase in credits. After 2008, the pendulum began to swing back as the difficulties in collecting loan repayments increased, the strain in financial balances tightened and assistance and support from the regulators were requested. The level of the financial and operating income was maintained primarily because of the high interest rates on the loans, but the structure of their distribution shifted substantially. Administrative costs and depreciation were nearly frozen up, and impairment and provisions grew at the expense of profit. This work shows that macroeconomic policies allowed the expansion of the lending boom and encouraged its irrational development. Poor operation and poor quality of the institutions not only allowed but also enabled direction of investments to financing of inefficient production structures. Underestimating the negative consequences shoring up a dysfunctional institutional environment is deemed a form of irrationality; however, not one of the immediate economic players acted to override the economic and political environment. The financial and economic crisis currently affecting the country has its roots in the deficiencies of the domestic macroeconomic policies, and therefore, the efforts toward overcoming these failures should be directed at improved domestic macroeconomic management.
Florin Alexandru LUCA
Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.
Iqbal J. Permana
Full Text Available This study aims to examine the impact of market structure and market behavior on the Islamic banking performance in Indonesia. Using the SCP model framework, this study examines five largest Islamic banking in Indonesia. The result reveals that market behavior, Islamic banking performance, third party funds, the business scale and the target market of Islamic banking have a significant impact on the market structure of Islamic banking industry; the market structure, performance of Islamic banks, types of financing product, profit sharing rate and distribution scale have a significant impact on the behavior of Islamic banking industry; and the market structure, market behavior, human resources development, the quality of Islamic banks’ financing and the credibility of Islamic banking financing have a significant impact on Islamic banking performance in Indonesia.
Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.
Effect of Pollen from Different Plant Species on Development of Typhlodromus pyri (Sheuten (Acari: Phytoseiidae Efecto del Polen de Diferentes Especies Vegetales sobre el Desarrollo de Typhlodromus pyri (Sheuten (Acari: Phytoseiidae
Full Text Available Typhlodromus pyri (Sheuten (Acari: Phytoseiidae is a phytoseiid mite with a high potential in controlling the false Chilean mite (Brevipalpus chilensis Baker; Acari: Tenuipalpidae. The purpose of this study was to determine the effect of different plant species pollen as a complementary food in the development of T. pyri when its prey is in low levels of availability. Mites were individually placed on black plastic boxes with pollen and maintained at a temperature of 26 ± 2 °C, 70 ± 5% relative humidity (RH, and a photoperiod of 16:8 h (L:D. Postembryonic development of T. pyri was studied in 11 pollen species, as well as in a mixed diet of Hirschfeldia incana (L. and B. chilensis. Results show that H. incana was the only pollen in which there was no mortality (P > 0.05 along with the control (Oxalis pes-caprae L.. Mean duration from egg to adult with H. incana was 8.70 ± 1.66 d, protonymph 3.27 ± 0.21 d, and deutonymph 2.90 ± 1.45 d (P > 0.05. The mix feeding of T. pyri did not show any significant differences neither in the mean time from egg to adult, nor in mortality by feeding only with B. chilensis. Survival curves of T. pyri fed only with H. incana pollen, combined with B. chilensis, and only with B. chilensis are higher in the first 14 d of life. The sex ratio was not significantly affected by being fed only with H. incana pollen, B. chilensis, or by a combination of both.Typhlodromus pyri (Sheuten (Acari: Phytoseiidae es un ácaro que presenta un alto potencial de uso para el control de la falsa arañita roja de la vid (Brevipalpus chilensis Baker; Acari: Tenuipalpidae. El objetivo de este estudio fue determinar el efecto del polen de diferentes especies vegetales como alimento complementario para T. pyri cuando escasea su presa. Los parámetros post-embrionarios de T. pyri se estudiaron en 11 especies de polen, en una dieta mixta de polen de Hirschfeldia incana (L. y B. chilensis. Los ácaros se colocaron individualmente sobre
R. K. Uppal
Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.
Ahmad Y. Areiqat
Full Text Available Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank. Results: The results showed that Jordanian banks showed highest attention toward risk management of e-banking, through their commitment to Basel Standards on risk management. Conclusion: Through the study, it will be clear that Jordanian banks committed to the standards of the Basel committee on safety and security of electronic banking services. These banks take into account all the potential risks before applying any system of electronic services. It is irrefutable evidence on the banks of Jordan keenness on protecting themselves and their customers from risk of theft through electronic means, the banks included their websites with detailed instructions to ensure that no customer fall prey to hackers.
Full Text Available By drawing on Ukrainian experience, this paper analyzes the anatomy of bank efficiency in a transitional economy. Acknowledging the vast disparities in the business technology of different size banks, in this comprehensive study, we innovatively estimate group-specific (distinct frontiers for small, medium, and large size banks. The results from separate frontiers reveal that Ukrainian banks record 38% technical inefficiency, 26% pure technical inefficiency, and 17% scale inefficiency on average. Apparently, banks in transition waste about the two fifths of their factor inputs during the production of financial services. The cardinal source of sub-performance in transitional banks seems to be managerial inefficiencies. We also found that banks operating in areas with more political influence and more developed infrastructure outperform the banks operating in politically and economically weaker regions. The results also indicate that larger banks, enjoying public trust in a risky business climate, dominate smaller banks in all forms of efficiency. However, such bias for size causes large banks to suffer from decreasing returns to scale and small banks from idle capacity. Consequently, the policies promoting consolidation between small and large banks may alleviate the excess (idle capacity for large (small banks in a transitional economy.
Primer registro del hongo Neozygites sp. (Zygomycota: Entomophthorales, patógeno de Tetranychus urticae (Acari: Tetranychidae en la República Argentina First record of Neozygites sp. (Zygomycota: Entomophthorales, pathogen of Tetranychus urticae (Acari: Tetranychidae in Argentina
Ana C. Scorsetti
Full Text Available En el presente trabajo se cita por primera vez para la Argentina la presencia del hongo entomopatógeno Neozygites cf. floridana (Zygomycota: Zygomycetes: Entomophthorales como patógeno de la «arañuela roja», Tetranychus urticae (Acari: Tetranychidae, importante plaga de cultivos hortícolas en la región. Los muestreos fueron realizados en el cinturón hortícola del Gran La Plata sobre cultivos de tomate, pimiento, berenjena, y otras hortalizas. El material de herbario, como preparaciones microscópicas y ácaros infectados fue depositado en el Herbario del Instituto de Botánica C. Spegazzini y en el herbario micológico del CEPAVE. Este trabajo contribuye a ampliar la distribución y el espectro de hospedadores de Neozygites , así como ampliar la información de los hongos entomopatógenos en la Argentina.In this paper, the presence of the fungi Neozygites cf. floridana (Zygomycota: Zygomycetes: Entomophthorales, as pathogen of the mite Tetranychus urticae (Acari: Tetranychidae, is recorded for first time in Argentina. Samplings were carried out in La Plata , on tomato, pepper, egg-plant, and other horticultural crops. Microscopic slides and mites infected were placed in the Herbarium of the Institute of Botany C. Spegazzini and in the Herbarium of CEPAVE. This work contributes to further expand the distribution and the host range of Neozygites as well as the information of entomopathogenic fungi in Argentina.
SELETIVIDADE DE INSETICIDAS A Neoseiulus californicus MCGREGOR (ACARI: PHYTOSEIIDAE EM MACIEIRA, NO RIO GRANDE DO SUL AGROCHEMICAL SELECTIVITY TO Neoseiulus californicus MCGREGOR (ACARI: PHYTOSEIIDAE ON APPLE IN RIO GRANDE DO SUL
LINO BITTENCOURT MONTEIRO
Full Text Available Testes para determinar os efeitos de agroquímicos homologados para macieira foram realizados em laboratório sobre Neoseiulus californicus (Acari: Phytoseiidae. Os indivíduos testados foram coletados de um pomar comercial da Agriflor Ltda, em Vacaria, Rio Grande do Sul, após várias liberações inoculativas. Os inseticidas utilizados foram os tradicionalmente recomendados para o controle de pragas, principalmente mosca-das-frutas Anastrepha fraterculus (Diptera: Tephritidae. A oviposição e a mortalidade dos ácaros foram avaliadas 12; 24; 48 e 96 horas após a pulverização, cujos produtos foram classificados em quatro classes de toxicidade (IOBC/WPRS. Azinphos ethyl, deltametrina e fenthion provocaram 100% de mortalidade, sendo que dimethoate, fenitrotion, paration, phosmet e triclorfon foram levemente nocivos (classe 2. Malation foi considerado neutro para esta população.The side-effects of agrochemical to Neoseiulus californicus (Acari: Phytoseiidae were studied in laboratory. The mites were collected in commercial apple orchard of Agropastoril Rincão das Flores, in Vacaria, Rio Grande do Sul, Brazil, after successive inoculative releases. The insecticids used were recommended to control of same pest, as Anastrepha fraterculus (Diptera: Tephritidae. The reproduction effect and mortality were evalued 12, 24, 48 and 96 hours after pulverization, while the agrochemical were ranked in toxicity classes, according to IOBC/WPRS. Azinphos ethyl, deltametrina e fenthion were harmful with ca. 100% of mortality in 24 hours, dimethoate, fenitrotion, paration, phosmet e triclorfon were slightly harmful (class 2. Malation was harmless.
The Lasioseius phytoseioides species group (Acari: Blattisociidae): new characterisation, description of a new species, complementary notes on seven described species and a taxonomic key for the group.
De Moraes, Gilberto J; Abo-Shnaf, Reham I A; Pérez-Madruga, Yanebis; Sánchez, Leocadia; Karmakar, Krishna; Ho, Chyi-Chen
The Lasioseius phytoseioides species group was first characterised over 50 years ago. Two species of this group, Lasioseius chaudhrii (Wu & Wang) and Lasioseius parberlesei Bhattacharyya, have been considered potentially effective as biological control agents of pest mites of the family Tarsonemidae on rice (Oryza sativa L.) in Asia. A new characterisation of the species group is presented, taking into account a new species here described, Lasioseius piracicabensis Moraes & Pérez-Madruga n. sp., as well as other species mostly described since the first characterisation of the group. The main characteristics of the included species are the reduced number of dorsal idiosomal setae, including the absence of j1 and z1; antiaxial surface of fixed cheliceral digit with a subterminal pointed process; and males with broad lateral expansion of the peritrematic shield in the region between coxae II-III, bearing a pore and a lyrifissure. Complementary notes are presented for Lasioseius annandalei Bhattacharyya & Bhattacharyya, Lasioseius chaudhrii (Wu & Wang), Lasioseius parberlesei Bhattacharyya, L. phytoseioides Chant, Lasioseius punjabensis Bhattacharyya & Sanyal, Lasioseius terrestris Menon & Ghai and Lasioseius youcefi Athias-Henriot. New synonymies are proposed and possible misidentifications in the literature are discussed. A dichotomous key is presented to help the identification of the species of the group, and the distribution of the species is summarised.
Oliveira Aristeu José de
Full Text Available From July to September, 2000 (winter, and from January to March, 2001 (summer, 30 dust samples were collected for each season, from beds of rural dwellings located in farms in the geographical area named "Zona da Mata", Minas Gerais, Brazil. After being sorted, the mites were identified and quantified. The prevalence of mites in the samples was 100%. 891 mites were found in winter (22.97%, and 2988 in summer (77.03%. In winter, Dermatophagoides pteronyssinus (Trouessart, 1897 was the most prevalent (55.00%, followed by Blomia tropicalis (Bronswijk, Cock & Oshima, 1973 (27.06%, Euroglyphus maynei (Cooreman, 1950 (8.85%, and predator mites from Cheyletidae family (8.07%. In summer, the most prevalent species was B. tropicalis (47.79%, followed by D. pteronyssinus (43.38%, Cheyletidae (6.87%, and E. maynei (1.28%. Few Dermatophagoides farinae (Hughes, 1961, Chortoglyphus arcuatus (Troupeau, 1879, and mites from Tarsonemidae and Cunaxidae families were found, the last two occurring only in summer. No mites from Acaridae family were found. The greatest number of immature forms found in summer suggested a greater breeding activity in this season. It was also noted that different building materials and varied cleaning routines may influence the population size of domiciliary dust mites.
Márla Maria Marchetti
Full Text Available Ácaros das famílias Eriophyidae, Tarsonemidae e Tetranychidae são citados como de importância econômica na cultura de amora-preta (Rubus fruticosus, Rosaceae, framboesa e outras frutas pequenas. Este estudo foi conduzido de novembro de 2001 a outubro de 2003 nas cultivares Brazos, Caigangue e Tupy no município de Ilópolis, Rio Grande do Sul, com o objetivo de conhecer a acarofauna e sua dinâmica populacional em amora-preta. Foram coletados 36.094 ácaros pertencentes a 11 famílias. A maioria dos ácaros coletados pertence às famílias Diptilomiopidae (80,9% e Tetranychidae (13,9%, compostas por espécies fitófagas. Chakrabartiella sp. (Diptilomiopidae, foi a espécie mais abundante, seguida por Neotetranychus asper Feres & Flechtmann, 2000 (Tetranychidae. Stigmaeidae (2,1% e Phytoseiidae (0,4% foram os ácaros predadores mais comuns, sendo Agistemus brasiliensis Matioli, Ueckermann & Oliveira, 2002 (Stigmaeidae e Typhlodromalus aripo DeLeon, 1967 (Phytoseiidae, as espécies de predadores mais abundantes.
Mohammad M. RAHMAN
Full Text Available This study examines the impact of bank size on bank regulatory capital ratios and risk-taking behavior using a panel dataset of 30 Bangladeshi commercial banks over the period 2008-2012. The relationship between bank regulatory capital ratios and bank risk-taking is also examined. For empirical analysis, generalized methods of moments (GMM panel method are used to explore the relationships among bank size, regulatory capital ratios and risk-taking behavior. Empirical results show that large banks hold lower amount of capital and take higher level of risk. Findings also show a reverse relationship between bank capital levels and bank risk-taking; that is, banks holding higher levels of regulatory capital are significantly less risky. Findings of this study has important implications for the Bangladeshi government, policy makers, banking regulators and bank stakeholders regarding bank size, regulatory capital requirements and overall banking sector risk-taking behavior.
Gabriela Cornelia Piciu
Full Text Available The decline of traditional banking activities raise the issue of efficiency of financial stability, in terms ofquantitative and qualitative aspects – the increasing danger of banking failures as well as of susceptibility due toincreased propensity of banking institutions to assume additional to risks either in the form of riskier loans offer orengaging in other "non-traditional" financial activities which give a promise for greater profitability, but also higherrisks. Non-traditional activities of banking as financial products dealers (financial derivatives, generate an increasingrisks and vulnerabilities in the form of moral hazard issues. That is the reason why and these activities should beregulated as well as are the traditional activities. Challenges posed by the decline of traditional banking activities istwofold: the stability of the banking system must be maintained, while the banking system needs to be restructured toachieve financial stability in the long run. One possible way is an appropriate regulatory framework to encourage atransition period of changing the structure of banking activity(reduction of traditional activities and expanding nontraditional activities to enable banking institutions to perform a deep methodic analysis of non traditional activities,oriented to the financial banking efficiency.
Songül Kakilli ACARAVCI
Full Text Available Profitability of banking sector is the most important instrument of financial system for the future of the economy. The objective of this study is to determine by using Johansen and Juselius cointegration test approach of the bank specific and macroeconomic factors that affect the profitability of commercial banks in Turkish banking sector. In study, the data are collected from the three biggest state-owned, privately-owned and foreign banks. The sample period spans from 1998 to 2011. In the study, return of asset, return of equity and net interest margin were used as proxy for profitability of banks. The bank specific determinants, which were thought to have effects on profitability are total credits/total assets, total deposits/total assets, total liquid assets/total assets, total wage and commission incomes/ total assets, total wage and commission expenses/total assets, the logarithm of total assets and total equity/total assets. The macroeconomic determinants of study are real gross domestic product, inflation rate, real exchange rate and real interest rate. Empirical findings suggest that the bank specific determinants have been more effect than macroeconomic factors on profitability of the banks. The reel gross domestic product and real exchange rate have been effective on the profitability. In addition, the 2001 economic crisis has a negative effect on all Turkish Banking sector.
Charles D Brummitt
Full Text Available We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe, causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.
Brummitt, Charles D; Sethi, Rajiv; Watts, Duncan J
We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par) can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe), causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.
刘春红; 江静; 李杰
With the entry to WRO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks'perceived increase in Internet banking investment has no difference between big banks and small banks.
Full Text Available The subject of this paper is to measure the efficiency of the Macedonian banking sector by applying two approaches: firstly, comparative analysis on the efficiency indicators of the banking sector in the Republic of Macedonia and the countries of Central and Southeastern Europe (CSEE and secondly, Data Envelopment Analysis (DEA. The aim is to provide directions and guidelines for further strengthening of the Macedonian banking sector. According to the comparative analysis of the efficiency indicators (net interest margin and operating costs of the Macedonian banking sector and the countries of CSEE, the countries whose banking sector shows lower operating costs are characterized with a higher level of financial deepening and greater degree of financial intermediation. The high interest margins direct towards unsuitable allocation of financial resources and insufficient competitiveness in the domestic banking sector. When applying the DEA approach, it can be stated that the group of large banks marks the highest efficiency within the Macedonian banking sector. The high concentration degree of banking activities within the group of large banks with a leading role in determining the interest rates, results in a rigid interest policy of the banks. In the direction of strengthening the efficiency of the Macedonian banking sector as a whole, the obtained results show that it is necessary for the banks to be further consolidated so as to utilize the advantages of the economies of scale, increase competitiveness, offer a diversified structure of products, invest in new contemporary software solutions that will allow reinforcement of their employees’ productivity and long-term reduction of the operating costs, as well.
Lidio M. Valdez
Full Text Available La aparición de los asentamientos fortificados y el origen del conflicto violento son temas poco discutidos en el contexto de la arqueología peruana. Considero que es oportuno investigar y determinar cuándo y por qué surgieron los primeros asentamientos fortificados. El propósito central de este artículo está precisamente orientado a responder tales interrogantes y discutir el tema del conflicto violento en el valle de Acarí y, por extensión, en la costa sur del Perú. Las evidencias arqueológicas disponibles señalan que, durante el periodo Intermedio Temprano, Tambo Viejo fue un asentamiento defendido por varias estructuras perimétricas. Otros sitios contemporáneos de Tambo Viejo en Acarí también fueron fortificados. Además, existe en el mismo valle evidencia tangible de violencia en la forma de prisioneros que posteriormente fueron decapitados. En contraste a la evidencia proveniente de Acarí, no existen asentamientos del periodo Intermedio Temprano identificables como fortificaciones, lo que hace de los sitios de Acarí los primeros asentamientos fortificados de toda la costa sur. ENGLISH: The emergence of violent conflict and of fortified settlements is a subject little studied within Peruvian archaeology. However, I consider it vital to investigate and determine the time and the reasons under which fortified settlements were first established. The central aim of this paper is to discuss when and why fortified settlements emerged first in the Acari Valley and, by extension, in the south coast of Peru. Available archaeological evidence indicates that during the Early Intermediate Period, Tambo Viejo was a fortified settlement protected by several massive walls. Other neighbouring sites in Acari were also fortified. Furthermore, in Acari there is conclusive evidence for violence in the form of decapitated individuals. In contrast to evidence coming from Acari, not a single Early Intermediate Period settlement from other
Zhang, Yan-Kai; Chen, Ya-Ting; Yang, Kun; Qiao, Ge-Xia; Hong, Xiao-Yue
Reproductive endosymbionts have been shown to have wide-ranging effects on many aspects of their hosts' biology. A first step to understanding how these endosymbionts interact with their hosts is to determine their incidences. Here, we screened for four reproductive endosymbionts (Wolbachia, Cardinium, Spiroplasma and Rickettsia) in 28 populations of spider mites (Acari: Tetranychidae) representing 12 species. Each of the four endosymbionts were identified in at least some of the tested specimens, and their infection patterns showed variations at the species-level and population-level, suggesting their distributions can be correlated with both the phylogeny and ecology of the hosts. Co-infections of unrelated bacteria, especially double infections of Wolbachia and Cardinium within the same individuals were common. Spiroplasma and Rickettsia infections were specific to particular host species, respectively. Further, the evolutionary histories of these endosymbionts were inferred by comparing the phylogenies of them and their hosts. These findings can help to clarify the interactions between endosymbionts and arthropods.
Izdebska, Joanna N; Fryderyk, Sławomira; Rolbiecki, Leszek
A new species of demodecid mite, Demodex castoris sp. nov. (Acari: Prostigmata: Demodecidae), is described based on adult stages from the skin of the nasal region of the Eurasian beaver Castor fiber Linnaeus, 1758, collected in Poland. This is the first detection of a representative demodecid mite in rodents of the suborder Castorimorpha and also represents the first detection of a skin mite in Eurasian beavers. The new species is a small skin mite (average 173 µm in length) characterized by sexual dimorphism related to body proportions. D. castoris sp. nov. was observed in 4 out of 6 beavers examined (66.6%), with a mean intensity of 10.8 and an intensity range of 2-23 ind. host(-1). This paper also contains a checklist of parasitic arthropods known from Castor spp.
Ольга Дмитрівна Вовчак
Full Text Available The article explored and analyzed the banks' activities of foreign banking groups in 2013-2015 on a number of absolute and relative indicators, which allowed to determine their place in the banking system of Ukraine and evaluate the effectiveness of their activities. Also the ratings of banks of foreign banking groups in Ukraine's banking are compared on the basis of information from official sources, and their impact in the banking sector in Ukraine is identified
Huishang Bank Corporation Limited Company was founded on December 28, 2005, and it has operated since January 1, 2006. Before it was established, it merged with six cities' commercial banks and seven urban credit banks in Anhui Province. It then became the first regional bank which had developed from city commercial bank in China. In the last five years, Huishang bank has already got significant progress, and it entered top 500 global banks in 2010. This thesis focuses on the strategic m...
... State Bank Waukesha Wisconsin. Marathon Savings Bank Wausau Wisconsin. John O. Melby & Co. Bank... Galveston Texas. Gruver State Bank Gruver Texas. Hull State Bank Hull Texas. Industry State Bank...
... Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago..., Illinois; Margot Morrison Brinley, Charlotte, North Carolina; Charles Edward Brinley, Charlotte,...
... Lenox, Illinois. B. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer..., individually; Sarah Beuning, Springfield, Illinois, Steven Beuning, ] Edina, Minnesota, Eric Beuning,...
Full Text Available Corporate governance system of Sharia financial institution that based on Islamic law may result more variables principles then conventional owns. The restriction of usury are highly speculative transaction, embedded prohibited matter are main features in Sharia business institution. Sharia Supervisory Board, as board that supervises banking practices conforms to Sharia stipulations, hold strong important role within Islamic banking. Both important points above had direct effects on efficiency which attained by Islamic banking compared with conventional banking. This study examines the influence of corporate governance implementation toward efficiency banking sector with bank category as moderator variable. This study hypothesize that corporate governance has significant influences toward bank’s efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamicbank efficiencies is higher than conventional bank. Measurement of efficiencies is using Stochastic Frontier Approach program, and then using SPSS in procces hypothetical model. The results of the study do not support the hypothesis. Examined result shows that statically corporate governance is not influenced by bank efficiency achievement. Corporate governance influences over Islamic bank has not show higher significance than conventional and Islamic bank efficiencies remain steady. Data limitations, complexity of the efficiency measures and the complexity of the operation of Islamic banks may explain the finding.
Elena Lidia MELNIC
Full Text Available The major concern of banks today is to recover and maintain customer trust. Customers need to feel that banks are considering their best interests. Customers are seeking for easy and personalized information. They want to better understand their financial situation and to control it. They want to know both the benefits, as well as the risks. Clients want to work with banks that are concerned about them and about their personal goals. However, only an attractive offer of banks is not the key to success today if is not supported by a superior service culture, that can make notable differentiation in the market. Many banks all over the world are systematically measuring how well they treat customers, identifying the factors shaping satisfaction, and changing operations and marketing as a result. Wise banks measure customer satisfaction regularly because it is one key to customer retention.
Soenksen, Phillip J.; Turner, Mary J.; Dietsch, Benjamin J.; Simon, Andrew
Dredged and straightened channels in eastern Nebraska have experienced degradation leading to channel widening by bank failure. Degradation has progressed headward and affected the drainage systems upstream from the modified reaches. This report describes a study that was undertaken to analyze bank stability at selected sites in eastern Nebraska and develop a simplified method for estimating the stability of banks at future study sites. Bank cross sections along straight reaches of channel and geotechnical data were collected at approximately 150 sites in 26 counties of eastern Nebraska. The sites were categorized into three groups based on mapped soil permeability. With increasing permeability of the soil groups, the median cohesion values decreased and the median friction angles increased. Three analytical methods were used to determine if banks were stable (should not fail even when saturated), at risk (should not fail unless saturated), or unstable (should have already failed). The Culmann and Agricultural Research Service methods were based on the Coulomb equation and planar failure; an indirect method was developed that was based on Bishop's simplified method of slices and rotational failure. The maximum angle from horizontal at which the bank would be stable for the given soil and bank height conditions also was computed with the indirect method. Because of few soil shear-strength data, all analyses were based on the assumption of homogeneous banks, which was later shown to be atypical, at least for some banks. Using the Culmann method and assuming no soil tension cracks, 67 percent of all 908 bank sections were identified as stable, 32 percent were at risk, and 1 percent were unstable; when tension cracks were assumed, the results changed to 58 percent stable, 40 percent at risk, and 1 percent unstable. Using the Agricultural Research Service method, 67 percent of all bank sections were identified as stable and 33 percent were at risk. Using the indirect
Bank deposits in offshore financial centers may be used to evade taxes on interest income. A recent EU reform limits the scope for this type of tax evasion by introducing a withholding tax on interest income earned by EU households in Switzerland and several other offshore centers. This paper...... quarters immediately before and after the tax was introduced. We also present evidence suggesting that the drop in Swiss bank deposits was driven by behavioral responses aiming to escape the tax - such as the transfer of funds to bank accounts in other offshore centers and the transfer of formal ownership...... estimates the impact of the withholding tax on Swiss bank deposits held by EU residents while using non-EU residents who were not subject to the tax as a comparison group. We present evidence that Swiss bank deposits owned by EU residents declined by 30–40% relative to other Swiss bank deposits in two...
Zachary Bosire Omariba
Full Text Available The internet has played a key role in changing how we interact with other people and how we do business today. As a result of the internet, electronic commerce has emerged, allowing business to more effectively interact with their customers and other corporations inside and outside their industries. One industry that is using this new communication channel to reach its customers is the banking industry. The e-banking system addresses several emerging trends: customers demand for anytime, anywhere service, product time-to-market imperatives and increasingly complex back-office integration challenges. The challenges that oppose electronic banking are concerns of security and privacy of information. This paper will first discuss the drivers of e-banking; secondly, it will talk about the concerns about e-banking from various perspectives. Thirdly, the security and privacy issues will also be discussed, and fourthly the attacks of e-banking with their solutions are discussed.
Hertzum, Morten; Juul, Niels Christian; Jørgensen, Niels Henrik
Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Analysis of the weaknesses suggests that security requirements are among their causes and that the we...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....
Hertzum, Morten; Jørgensen, Niels; Nørgaard, Mie
Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Our analysis of the weaknesses suggests that security requirements are among their causes and that th...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....
J. D. Ćertić; M. D. Lutovac; L. D. Milić
In this paper, uniform and nonuniform digital filter banks based on approximately linear phase IIR filters and frequency response masking technique (FRM) are presented. Both filter banks are realized as a connection of an interpolated half-band approximately linear phase IIR filter as a first stage of the FRM design and an appropriate number of masking filters. The masking filters are half-band IIR filters with an approximately linear phase. The resulting IIR filter banks are compared with li...
Ralph C. Kimball
Successful bank operation requires managers to weigh complex trade-offs between growth, return, and risk. In recent years banks increasingly have adopted innovative performance metrics based on the concept of economic profit, rather than accounting earnings to assist managers in making such difficult and complex decisions. Banks hope in this way to elicit better decision-making by managers and also too align managerial behavior more closely with the interests of shareholders. This article ana...
Illueca, Manuel; Norden, Lars; Udell, Gregory
textabstractWe study the effects of the interplay between deregulation and governance on risk taking in the financial industry. We consider a large natural experiment in Spain where the removal of regulatory geographic constraints for savings banks led to a nationwide expansion of these banks during the past two decades. Based on a unique data set that combines information on the geographic distribution of bank lending, matched lender-borrower financial statements, and borrower defaults, we f...
Calin Mihai Istrate
With the whole world going mobile and with the threats represented by third party mobile payments, the banks need to react and offer their clients innovative integrated solutions for payments and money transfer. Mobile banking applications are more and more used, and the possibilities to expand are still open.A cardless withdrawal solution integrated in an already developed smartphone mobile banking application might just give an edge in the fight with other competitors. By using SMS technolo...
Carol C. Bertaut
The Eurosystem comprises the European Central Bank at its center as well as the national central banks of the twelve countries currently participating in monetary union. The European Central Bank was established in July 1998, six months before the beginning of Stage Three of economic and monetary union. Although decisions regarding monetary policy are made centrally by the Governing Council of the Eurosystem, the operational aspects of monetary policy-including open market operations, adminis...
Andries, Alin Marius
Financial crises mainly manifest themselves at the level of financial institutions. Although financial crises can also be generated within non-financial institutions, the role of banking institutions in the occurrence, transmitting and solving of financial crises is a deciding one. Banks play a deciding role in the development of financial crises as financial intermediaries who contribute to the efficient transfer of funds from the abundant agent towards the deficit agents. Banks can facilita...
Purpose of the research was to map out user experiences relating to modern banking services such as electronic invoicing, internet banking, payment cards and payments. Private users and businesses were designed their own survey containing similar topics and questions. The theoretical part of the research explained history of various banking solutions in Finland starting from the late 1970’s. Modern technology and solutions were introduced and explained to give an understanding how differe...
@@ Established in 1994and solely owned by the central government, The Export-Import Bank of China (China Eximbank) is a state policy bank under the direct leadership of the State Council. Its international credit ratings are compatible with the national sovereign ratings. At present,the Bank has seven business branches, six domestic representative offices and two overseas representative offices - one for Southern &Eastern Africa and the other in Paris Rep.
Ms. Tamara Ye. Kononenko
Full Text Available The paper clarifies the concepts of «risk», «financial risk» in banking business, and considers the main problems of financial risk management in trade banks while financing borrowers. The authors single out the most relevant problems, and conduct the analysis of overdue payment in case of OJSC “Sberbank of Russia”. The authors also offer a number of measures to minimize financial risks in trade bank activities in modern conditions.
NSGIC GIS Inventory (aka Ramona) — This Banks and Financial Services dataset, was produced all or in part from Other information as of 2008. It is described as 'Banks and Churches'. The extent of...
US Fish and Wildlife Service, Department of the Interior — This Environmental Assessment is an analysis of five alternatives developed to address themanagement of the submerged aquatic plants of Banks Lake on Banks Lake...