WorldWideScience

Sample records for banks pay big

  1. Seed bank and big sagebrush plant community composition in a range margin for big sagebrush

    Science.gov (United States)

    Martyn, Trace E.; Bradford, John B.; Schlaepfer, Daniel R.; Burke, Ingrid C.; Laurenroth, William K.

    2016-01-01

    The potential influence of seed bank composition on range shifts of species due to climate change is unclear. Seed banks can provide a means of both species persistence in an area and local range expansion in the case of increasing habitat suitability, as may occur under future climate change. However, a mismatch between the seed bank and the established plant community may represent an obstacle to persistence and expansion. In big sagebrush (Artemisia tridentata) plant communities in Montana, USA, we compared the seed bank to the established plant community. There was less than a 20% similarity in the relative abundance of species between the established plant community and the seed bank. This difference was primarily driven by an overrepresentation of native annual forbs and an underrepresentation of big sagebrush in the seed bank compared to the established plant community. Even though we expect an increase in habitat suitability for big sagebrush under future climate conditions at our sites, the current mismatch between the plant community and the seed bank could impede big sagebrush range expansion into increasingly suitable habitat in the future.

  2. Big Data and central banks

    OpenAIRE

    David Bholat

    2015-01-01

    This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  3. Big Data and central banks

    Directory of Open Access Journals (Sweden)

    David Bholat

    2015-04-01

    Full Text Available This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  4. Bank CEO Pay-Performance Relations and the Effects of Deregulation.

    OpenAIRE

    Crawford, Anthony J; Ezzell, John R; Miles, James A

    1995-01-01

    The authors test the deregulation hypothesis that posits that bank CEO compensation became more sensitive to performance as bank management became less regulated. They observe a significant increase in pay-performance sensitivities from their 1976-81 regulation subsample to their 1982-88 deregulation subsample. These increases in pay sensitivities after deregulation are observed for salary and bonus, stock options, and common stock holdings. The authors observe increases in the pay-performanc...

  5. The Value of the “Too Big to Fail” Big Bank Subsidy

    OpenAIRE

    Dean Baker; Travis McArthur

    2009-01-01

    One outcome of the TARP and other bank rescue efforts following the collapse of Lehman Brothers in September of 2008 is that the United States has essentially formalized a commitment to a “too big to fail” (TBTF) policy for major banks. This paper uses data from the FDIC on the relative cost of funds for TBTF banks and other banks, before and after the crisis, to quantify the value of the government protection provided by the TBTF policy.

  6. Identify too big to fail banks and capital insurance: An equilibrium approach

    OpenAIRE

    Katerina Ivanov

    2017-01-01

    The objective of this paper is develop a rational expectation equilibrium model of capital insurance to identify too big to fail banks. The main results of this model include (1) too big to fail banks can be identified explicitly by a systemic risk measure, loss betas, of all banks in the entire financial sector; (2) the too big to fail feature can be largely justified by a high level of loss beta; (3) the capital insurance proposal benefits market participants and reduces the systemic risk; ...

  7. Identify too big to fail banks and capital insurance: An equilibrium approach

    Directory of Open Access Journals (Sweden)

    Katerina Ivanov

    2017-09-01

    Full Text Available The objective of this paper is develop a rational expectation equilibrium model of capital insurance to identify too big to fail banks. The main results of this model include (1 too big to fail banks can be identified explicitly by a systemic risk measure, loss betas, of all banks in the entire financial sector; (2 the too big to fail feature can be largely justified by a high level of loss beta; (3 the capital insurance proposal benefits market participants and reduces the systemic risk; (4 the implicit guarantee subsidy can be estimated endogenously; and lastly, (5 the capital insurance proposal can be used to resolve the moral hazard issue. We implement this model and document that the too big to fail issue has been considerably reduced in the pro-crisis period. As a result, the capital insurance proposal could be a useful macro-regulation innovation policy tool

  8. Nowcasting using news topics Big Data versus big bank

    OpenAIRE

    Thorsrud, Leif Anders

    2016-01-01

    The agents in the economy use a plethora of high frequency information, including news media, to guide their actions and thereby shape aggregate economic fluctuations. Traditional nowcasting approches have to a relatively little degree made use of such information. In this paper, I show how unstructured textual information in a business newspaper can be decomposed into daily news topics and used to nowcast quarterly GDP growth. Compared with a big bank of experts, here represented by o cial c...

  9. Job characteristics and burnout: The moderating roles of emotional intelligence, motivation and pay among bank employees.

    Science.gov (United States)

    Salami, Samuel O; Ajitoni, Sunday O

    2016-10-01

    This study investigated the prediction of burnout from job characteristics, emotional intelligence, motivation and pay among bank employees. It also examined the interactions of emotional intelligence, motivation, pay and job characteristics in the prediction of burnout. Data obtained from 230 (Males = 127, Females = 103) bank employees were analysed using Pearson's Product Moment Correlation and multiple regression analysis. Results showed that theses variables jointly and separately negatively predicted burnout components. The results further indicated that emotional intelligence, motivation and pay separately interacted with some job characteristic components to negatively predict some burnout components. The findings imply that emotional intelligence, motivation and pay could be considered by counsellors when designing interventions to reduce burnout among bank employees. © 2015 International Union of Psychological Science.

  10. An Approach to the Evaluation and Prediction of the Outflow of Bank Deposits Dynamics Using the Big Data Technologies

    Directory of Open Access Journals (Sweden)

    Sergey Vladimirovich Zapechnikov

    2016-03-01

    Full Text Available The results of implementation of pilot-project to test IBM Big Data platform for automation of processes of collection, processing and analysis of unstructured big data applied to the individual functional unit of the banking supervision of the Central Bank of Russia is presented.

  11. "Too big to fail" or "Too non-traditional to fail"?: The determinants of banks' systemic importance

    OpenAIRE

    Moore, Kyle; Zhou, Chen

    2013-01-01

    This paper empirically analyzes the determinants of banks' systemic importance. In constructing a measure on the systemic importance of financial institutions we find that size is a leading determinant. This confirms the usual "Too big to fail'' argument. Nevertheless, banks with size above a sufficiently high level have equal systemic importance. In addition to size, we find that the extent to which banks engage in non-traditional banking activities is also positively related to ...

  12. 12 CFR 268.202 - Equal Pay Act.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Equal Pay Act. 268.202 Section 268.202 Banks... REGARDING EQUAL OPPORTUNITY Provisions Applicable to Particular Complaints § 268.202 Equal Pay Act. Complaints alleging violations of the Equal Pay Act shall be processed under this part. ...

  13. Loan Products Included in the Offer of Commercial Banks

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2009-04-01

    Full Text Available A bank loan is the main form of economical credit. It is for corporate activities – for medium and big companies and for retail activities – for small companies and individuals. The conditions for credit mainly depend on the quality of customers, it means their ability to perform a profitable activity and to be able to pay back the credits. For reasons which are mainly connected to marketing, bank practice has developed a large range of credit names, trying to emphasize some of the parts of the products or to take profit of some competition advantages in relation with customers’ products. We are trying to include the offer of bank loans in a typology which takes into account the law, the bank field rules and the main technical features of the offered products.

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

    African Journals Online (AJOL)

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

  15. What does the market say about say-on-pay? A look at the Canadian bank experience

    Directory of Open Access Journals (Sweden)

    Kim Trottier

    2012-10-01

    Full Text Available This paper explores the share price reaction to a recent news announcement that Canadian banks were adopting say-on-pay, a policy that gives shareholders an annual non-binding vote on executive compensation. Using event study methodology, the effect of adopting this new policy is explored and found to be associated with a significant increase in share price. This result suggests that giving shareholders a voice on executive compensation is expected to generate economic benefits, which adds to the paucity of knowledge currently available to shareholders and legislators as they consider the consequences of say-on-pay.

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

  17. 12 CFR 502.5 - Who must pay assessments and fees?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Who must pay assessments and fees? 502.5 Section 502.5 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND FEES § 502.5 Who must pay assessments and fees? (a) Authority. Section 9 of the HOLA, 12 U.S.C. 1467...

  18. BigDataBench: a Big Data Benchmark Suite from Internet Services

    OpenAIRE

    Wang, Lei; Zhan, Jianfeng; Luo, Chunjie; Zhu, Yuqing; Yang, Qiang; He, Yongqiang; Gao, Wanling; Jia, Zhen; Shi, Yingjie; Zhang, Shujie; Zheng, Chen; Lu, Gang; Zhan, Kent; Li, Xiaona; Qiu, Bizhu

    2014-01-01

    As architecture, systems, and data management communities pay greater attention to innovative big data systems and architectures, the pressure of benchmarking and evaluating these systems rises. Considering the broad use of big data systems, big data benchmarks must include diversity of data and workloads. Most of the state-of-the-art big data benchmarking efforts target evaluating specific types of applications or system software stacks, and hence they are not qualified for serving the purpo...

  19. 12 CFR 268.407 - Civil action: Equal Pay Act.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Civil action: Equal Pay Act. 268.407 Section... Civil action: Equal Pay Act. A complainant is authorized under section 16(b) of the Fair Labor Standards..., if the violation is willful, three years of the date of the alleged violation of the Equal Pay Act...

  20. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

  1. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

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

  2. Big data: een zoektocht naar instituties

    NARCIS (Netherlands)

    van der Voort, H.G.; Crompvoets, J

    2016-01-01

    Big data is a well-known phenomenon, even a buzzword nowadays. It refers to an abundance of data and new possibilities to process and use them. Big data is subject of many publications. Some pay attention to the many possibilities of big data, others warn us for their consequences. This special

  3. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

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

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  5. 12 CFR 557.14 - What interest rate may I pay on savings accounts?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What interest rate may I pay on savings... DEPOSITS Deposit Activities of Federal Savings Associations § 557.14 What interest rate may I pay on savings accounts? (a) You may pay interest at any rate or anticipated rate of return on savings accounts...

  6. 12 CFR 608.841 - Requesting current paying agency to offset salary.

    Science.gov (United States)

    2010-01-01

    ... salary. 608.841 Section 608.841 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Offset Against Salary § 608.841 Requesting current paying agency to offset salary. (a) To request a paying agency to impose a salary offset against amounts owed to...

  7. 12 CFR 502.75 - What if I do not pay my fees on time?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What if I do not pay my fees on time? 502.75 Section 502.75 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND FEES Fees § 502.75 What if I do not pay my fees on time? (a) Interest. An examination or investigation...

  8. 12 CFR 1408.41 - Requesting current paying agency to offset salary.

    Science.gov (United States)

    2010-01-01

    ... salary. 1408.41 Section 1408.41 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Offset Against Salary § 1408.41 Requesting current paying agency to offset salary. (a) To request a paying agency to impose a salary offset against amounts owed to the debtor, the...

  9. Passport to the Big Bang

    CERN Multimedia

    De Melis, Cinzia

    2013-01-01

    Le 2 juin 2013, le CERN inaugure le projet Passeport Big Bang lors d'un grand événement public. Affiche et programme. On 2 June 2013 CERN launches a scientific tourist trail through the Pays de Gex and the Canton of Geneva known as the Passport to the Big Bang. Poster and Programme.

  10. Paying for Payments

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    depends only on the relative costs of producing cash and card payments and can be used by regulators to assess privately set interchange fees. When calibrated to cost data, the model implies an optimal fee that is low and may even be negative. The findings are consistent with empirical evidence of high......Do consumers and merchants use the most efficient payment instruments? I examine how interchange fees, which are fees paid from merchants' banks to consumers' banks when card transactions take place, influence the choice between cash and payment cards. I show that when consumers do not pay...... transaction fees to banks - a common feature in bank contracts - card use is declining in interchange fees, and surcharging does not neutralize interchange fees. According to my model, banks set interchange fees at too high a level, resulting in too few card payments. I derive an optimal interchange fee which...

  11. Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

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

  12. Navigating the financial crisis in Helvetic Waters: An analysis of the banking sector (2007-09

    Directory of Open Access Journals (Sweden)

    Elisabeth Paulet

    2011-06-01

    Full Text Available As has been argued throughout this paper, the different way in which banks have been affected by the crisis is closely linked to their distinct business model. Consequently, the characteristic structure of the balance sheet in big banks and ethical banks is correlated with their divergent dynamic during the crisis. While the financial turmoil has left the business approach of ethical banks unchanged, as evidenced in the striking stability of their balance sheet from 2007 to 2009, the pattern shown by big banks has substantially changed over this same period. These developments would tend to suggest the need to reform the business model of big banks. There is no clear empirical evidence that a banking system with a large number of small institutions would be any more stable than the system as it currently stands. Besides, financing certain big projects would always require the existence of large international banks. Both types of financial institutions are in fact complementary. How to regulate the banking and financial sector is thus a complex and multifaceted issue. One cannot impose the same requirements on big international-oriented banks and small domestic banks. As this paper has tried to demonstrate, both have a distinct business model.

  13. Does Opaqueness Make Equity Capital Expensive for Banks?

    Directory of Open Access Journals (Sweden)

    Karlo Kauko

    2014-12-01

    Full Text Available Bank managers often claim that equity is expensive, which contradicts the Modigliani-Miller irrelevance theorem. An opaque bank must signal its solvency by paying high and stable dividends in order to keep depositors tranquil. This signalling may require costly liquidations if the return on assets has been poor, but not paying the dividend might trigger a run. A strongly capitalized bank should keep substantial amounts of risk-free yet non-productive currency because the number of shares is high, which is costly. The dividend is informative of the state of the bank; rational depositors react to it.

  14. Banking Wyoming big sagebrush seeds

    Science.gov (United States)

    Robert P. Karrfalt; Nancy Shaw

    2013-01-01

    Five commercially produced seed lots of Wyoming big sagebrush (Artemisia tridentata Nutt. var. wyomingensis (Beetle & Young) S.L. Welsh [Asteraceae]) were stored under various conditions for 5 y. Purity, moisture content as measured by equilibrium relative humidity, and storage temperature were all important factors to successful seed storage. Our results indicate...

  15. Paying for payments: free payments and optimal interchange fees

    OpenAIRE

    Korsgaard, Søren

    2014-01-01

    Do consumers and merchants use the most efficient payment instruments? I examine how inter- change fees, which are fees paid from merchants' banks to consumers' banks when card transactions take place, influence the choice between cash and payment cards. I show that when consumers do not pay transaction fees to banks - a common feature in bank contracts - card use is declining in interchange fees, and surcharging does not neutralize interchange fees. According to my model, banks set interchan...

  16. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

    Sharia bank now has popularity among the people of Indonesia. Sharia bankbased on present Islamic economic principles. Sharia Bank has a big role increaseworld banking in Indonesia. Attentive Indonesia society majority is Moslem, soSharia Banking in the future has good prospect with increase knowledge aboutawareness to use banking produc and information with experience society aboutbenefit sharia banking. This study aimed to know knowledge and attitude society forsharia banking and to know kn...

  17. 12 CFR 502.70 - How must I pay an application fee?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false How must I pay an application fee? 502.70 Section 502.70 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND... Thrift Supervision. You must include a statement of the fee and how you calculated the fee. ...

  18. Fragilização de grandes bancos no início do Plano Real The weakening of big banks in the beginnings of the Plano Real

    Directory of Open Access Journals (Sweden)

    Carlos Eduardo Carvalho

    2002-01-01

    Full Text Available The bankruptcy of three big private banks (Econômico, Nacional and Bamerindus in the beginning of the Plano Real has been attributed to the fast and intense growth of loan after the fall of inflation. The three banks balance sheet data, however, show a decrease in credit amount or a very small growth from July 1994 to the bankruptcy. The article defends that the problems of the three banks came from the past and were aggravated by difficulties to face the new problems created by the end of high inflation and by the restrictive economic politics in 1995.

  19. 12 CFR 221.123 - Combined credit for exercising employee stock options and paying income taxes incurred as a...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Combined credit for exercising employee stock options and paying income taxes incurred as a result of such exercise. 221.123 Section 221.123 Banks and... (REGULATION U) Interpretations § 221.123 Combined credit for exercising employee stock options and paying...

  20. Big Bad Banks? The Winners and Losers From Bank Deregulation in the United States

    NARCIS (Netherlands)

    Beck, T.H.L.; Levine, R.; Levkov, A.

    2009-01-01

    We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through the 1990s, most states removed restrictions on intrastate branching, which intensified bank competition and improved bank performance. Exploiting the cross-state, cross-time variation

  1. Big Data in Space Science

    OpenAIRE

    Barmby, Pauline

    2018-01-01

    It seems like “big data” is everywhere these days. In planetary science and astronomy, we’ve been dealing with large datasets for a long time. So how “big” is our data? How does it compare to the big data that a bank or an airline might have? What new tools do we need to analyze big datasets, and how can we make better use of existing tools? What kinds of science problems can we address with these? I’ll address these questions with examples including ESA’s Gaia mission, ...

  2. 139 THE IMPACT OF MICROFINANCE BANK CREDIT ON ...

    African Journals Online (AJOL)

    Key words: Microfinance bank, Economic development, Deposit mobilisation, ... a means of reaching those that were not served by the conventional big banks to ..... J (2000) Microfinance Handbook: An Institutional and Financial Perspective.

  3. 78 FR 74041 - Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire...

    Science.gov (United States)

    2013-12-10

    ... Services Analyst (202) 453-3638, Division of Reserve Bank Operations and Payment Systems; or Kara Handzlik... notice of dishonor) before midnight of the banking day on which the paying bank received the check.\\3\\ A paying bank that has settled for a check before midnight of the banking day on which it received the...

  4. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    刘春红; 江静; 李杰

    2003-01-01

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

  6. Minsky on "Big Government"

    Directory of Open Access Journals (Sweden)

    Daniel de Santana Vasconcelos

    2014-03-01

    Full Text Available This paper objective is to assess, in light of the main works of Minsky, his view and analysis of what he called the "Big Government" as that huge institution which, in parallels with the "Big Bank" was capable of ensuring stability in the capitalist system and regulate its inherently unstable financial system in mid-20th century. In this work, we analyze how Minsky proposes an active role for the government in a complex economic system flawed by financial instability.

  7. ONLINE BANKING SECURITY INDUSTRY IN EMERGING CHINA MARKET

    OpenAIRE

    Liu, Rui

    2009-01-01

    In China, although traditional banks are still taking a wait-and-see approach in terms of offering their customers authentication tokens, online security technology is gaining momentum among Internet banks. During the last 15 years, technology for online banking security has undergone remarkable progress. The number of online banking users and the volume of transactions are increasing daily. Moreover, Chinese customers are paying more attention to online banking security issues, and are gradu...

  8. 12 CFR 5.20 - Organizing a bank.

    Science.gov (United States)

    2010-01-01

    ... the following three core banking functions: receiving deposits; paying checks; or lending money. The.... Organizers should not bill excessive charges to the bank for professional and consulting services or unduly..., nonprofit, and government sectors. The business plan or operating plan must demonstrate how the proposed...

  9. Využití Big Data v bankovním prostředí

    OpenAIRE

    Dvorský, Bohuslav

    2016-01-01

    This thesis addresses the principles and technologies of Big Data and their usage in the banking environment. Its objective is to find business application scenarios for Big Data for purposes of delivering added value for the bank. Finding the scenarios have been achieved by studying literature and consultation with experts, they were also subsequently modeled by the author. Possibilities of application of these scenarios in the banking busi-ness environment were subsequently verified by the ...

  10. Investigating Seed Longevity of Big Sagebrush (Artemisia tridentata)

    Science.gov (United States)

    Wijayratne, Upekala C.; Pyke, David A.

    2009-01-01

    The Intermountain West is dominated by big sagebrush communities (Artemisia tridentata subspecies) that provide habitat and forage for wildlife, prevent erosion, and are economically important to recreation and livestock industries. The two most prominent subspecies of big sagebrush in this region are Wyoming big sagebrush (A. t. ssp. wyomingensis) and mountain big sagebrush (A. t. ssp. vaseyana). Increased understanding of seed bank dynamics will assist with sustainable management and persistence of sagebrush communities. For example, mountain big sagebrush may be subjected to shorter fire return intervals and prescribed fire is a tool used often to rejuvenate stands and reduce tree (Juniperus sp. or Pinus sp.) encroachment into these communities. A persistent seed bank for mountain big sagebrush would be advantageous under these circumstances. Laboratory germination trials indicate that seed dormancy in big sagebrush may be habitat-specific, with collections from colder sites being more dormant. Our objective was to investigate seed longevity of both subspecies by evaluating viability of seeds in the field with a seed retrieval experiment and sampling for seeds in situ. We chose six study sites for each subspecies. These sites were dispersed across eastern Oregon, southern Idaho, northwestern Utah, and eastern Nevada. Ninety-six polyester mesh bags, each containing 100 seeds of a subspecies, were placed at each site during November 2006. Seed bags were placed in three locations: (1) at the soil surface above litter, (2) on the soil surface beneath litter, and (3) 3 cm below the soil surface to determine whether dormancy is affected by continued darkness or environmental conditions. Subsets of seeds were examined in April and November in both 2007 and 2008 to determine seed viability dynamics. Seed bank samples were taken at each site, separated into litter and soil fractions, and assessed for number of germinable seeds in a greenhouse. Community composition data

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

    Directory of Open Access Journals (Sweden)

    ALINA LIGIA DUMITRESCU

    2014-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Yibing Chen

    2014-01-01

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

  13. What factors drive interest rate spread of commercial banks? Empirical evidence from Kenya

    Directory of Open Access Journals (Sweden)

    Maureen Were

    2014-12-01

    Full Text Available The paper empirically investigates the determinants of interest rate spread in Kenya's banking sector based on panel data analysis. The findings show that bank-specific factors play a significant role in the determination of interest rate spreads. These include bank size, credit risk as measured by non-performing loans to total loans ratio, return on average assets and operating costs, all of which positively influence interest rate spreads. On the other hand, higher bank liquidity ratio has a negative effect on the spreads. On average, big banks have higher spreads compared to small banks. The impact of macroeconomic factors such as real economic growth is insignificant. The effect of the monetary policy rate is positive but not highly significant. The results largely reflect the structure of the banking industry, in which a few big banks control a significant share of the market.

  14. Dividend Performance in the United Arab Emirates Banking Sector

    Directory of Open Access Journals (Sweden)

    Mukdad Ibrahim

    2016-10-01

    Full Text Available The purpose of this study was to analyze the dividend performance of eight UAE based banks between the years 2001 and 2005. The analysis was undertaken by examining three sets of financial ratios that are routinely used to measure bank dividend performance. The main ratios that were employed put a particular focus on the banks’ ability to pay dividends in relation to market value of its share, earnings and ability to cover the payments. Descriptive statistical analysis was used to rank the performance, measuring the dispersion and the stability-variability of the indicators. Conclusions were then drawn from the computation of the descriptive analysis of ratios that allowed the author to make an effective comparison of said banks. This type of analysis was used to summarize the performance of each bank based on three criteria, mean, standard deviation and coefficient of variation of each banks performance. The findings showed that eight banks performed reasonably well during the period studied, but have different strategies in paying their dividends across the years under study. The analysis reveals that these banks have been affected by both internal and external factors.

  15. RELATIVE MPORTANCE OF PAY LEVEL SATISFACTION, CAREER DEVELOPMENT OPPORTUNITIES, AND SUPERVISOR SUPPORT IN PERCEIVED ORGANIZATIONAL SUPPORT

    OpenAIRE

    Hasnu, Muhammed WASEEM SAF

    2010-01-01

    This paper presents the relative impact of supervisor support, pay level satisfaction & career growth opportunities on the development of perceived organizational support (POS) of employees. Survey data were collected from banking sector professionals working in the branches of four major private commercial banks of Pakistan in Hazara Division. The findings of this study highlighted that “career growth opportunities” is a stronger predictor of POS than supervisor support and pay level...

  16. Lending booms, reserves, and the sustainability of short-term debt - inferences from the pricing of syndicated bank loans

    OpenAIRE

    Eichengreen, Barry; Mody, Ashoka

    1999-01-01

    Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...

  17. Analysis on Sustainable Development Management Model of Village Banks - Based on Bayan Rongxing Village Bank in Heilongjiang Province

    Institute of Scientific and Technical Information of China (English)

    Wang shuang; Wang Ji-heng; Liu Bing; Yu Xiao-wen

    2015-01-01

    This paper summarized the management models of village banks in China. We compared and analyzed different management models of four village banks in different regions on four aspects: regional agriculture feature, loan for farmers, loan for enterprises and the construction of network, then came to the conclusion that, if the village banks' health development can realize, they must pay attention to innovating in loan patterns as well as material loan and starting out the network development.

  18. Developing “best practices” for bankers’ pay in line with Basel III

    Directory of Open Access Journals (Sweden)

    Peiyi Yu

    2011-09-01

    Full Text Available This paper proposes hybrid capital securities as a significant part of senior bank executive incentive compensation in light of Basel III, a new global regulatory standard on bank capital adequacy and liquidity agreed by the members of the Basel Committee on Banking Supervision. The committee developed Basel III in a response to the deficiencies in financial regulation brought about by the global financial crisis. Basel III strengthens bank capital requirements and introduces new regulatory requirements on bank liquidity and bank leverage. The hybrid bank capital securities we propose for bank executives’ compensation are preferred shares and subordinated debt that the June 2004 Basel II regulatory framework recognised as other admissible forms of capital. The past two decades have witnessed dramatic increase in performance-related pay in the banking industry. Stakeholders such as shareholders, debtholders and regulators criticise traditional cash and equity-based compensation for encouraging bank executives’ excessive risk taking and short-termism, which has resulted in the failure of risk management in high profile banks during the global financial crisis. Paying compensation in the form of hybrid bank capital securities may align the interests of executives with those of stakeholders and help banks regain their reputation for prudence after years of aggressive risk-taking. Additionally, banks are desperately seeking to raise capital in order to bolster balance sheets damaged by the ongoing credit crisis. Tapping their own senior employees with large incentive compensation packages may be a viable additional source of capital that is politically acceptable in times of large-scale bailouts of the financial sector and economically wise as it aligns the interests of the executives with the need for a stable financial system.

  19. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  20. Essays on market discipline, banking and regulation

    OpenAIRE

    Cabrera, Matías Daniel

    2016-01-01

    Mención Internacional en el título de doctor This Dissertation presents three studies on market discipline, implicit guarantees, sovereign risk and bank regulation. Chapter one analyzes whether larger banks are deemed as Too Big to Save by analyzing their stock returns' reaction to a set of announcements regarding governments' bailout capacity. In order to assess if there has been a risk transfer from banks to sovereigns (due to implicit guarantees), chapter two analyzes the...

  1. Towards Open Knowledge : The State of World Bank Knowledge Services

    OpenAIRE

    World Bank

    2011-01-01

    This first World Bank Knowledge Report launches what is intended as a series of World Bank Knowledge Reports. Although knowledge is a fundamental to the Bank s overall mission, and informs all of the Bank s development activities, it has not received the same degree of attention from management that has been accorded to its lending activities. By paying attention to knowledge work as a dis...

  2. Database Resources of the BIG Data Center in 2018.

    Science.gov (United States)

    2018-01-04

    The BIG Data Center at Beijing Institute of Genomics (BIG) of the Chinese Academy of Sciences provides freely open access to a suite of database resources in support of worldwide research activities in both academia and industry. With the vast amounts of omics data generated at ever-greater scales and rates, the BIG Data Center is continually expanding, updating and enriching its core database resources through big-data integration and value-added curation, including BioCode (a repository archiving bioinformatics tool codes), BioProject (a biological project library), BioSample (a biological sample library), Genome Sequence Archive (GSA, a data repository for archiving raw sequence reads), Genome Warehouse (GWH, a centralized resource housing genome-scale data), Genome Variation Map (GVM, a public repository of genome variations), Gene Expression Nebulas (GEN, a database of gene expression profiles based on RNA-Seq data), Methylation Bank (MethBank, an integrated databank of DNA methylomes), and Science Wikis (a series of biological knowledge wikis for community annotations). In addition, three featured web services are provided, viz., BIG Search (search as a service; a scalable inter-domain text search engine), BIG SSO (single sign-on as a service; a user access control system to gain access to multiple independent systems with a single ID and password) and Gsub (submission as a service; a unified submission service for all relevant resources). All of these resources are publicly accessible through the home page of the BIG Data Center at http://bigd.big.ac.cn. © The Author(s) 2017. Published by Oxford University Press on behalf of Nucleic Acids Research.

  3. DAMPAK ELECTRONIC BANKING TERHADAP KINERJA PERBANKAN INDONESIA

    Directory of Open Access Journals (Sweden)

    Farah Margaretha

    2015-12-01

    Full Text Available The purpose of this research is to determine the effect of banking service to bank profitability.  A dependend variable ratio in this research is internet banking. It  is to test the effect of Return on Asset (ROA, Return on Equity (ROE, Operating Expenses towards Operating Income and Performance. Another ratio, that was used as a variable control, is asset. The method of data analysis is binary logistic regression. The object of the research is 68 banks in Indonesia. Those banks are divided into two groups, bank with and without internet banking. The result of this research shows that there is influence on internet banking service to effeciency profitability and different grouping. Finance Manager and Investor should pay attention the effect of ROA, ROE, BOPO and Asset.

  4. Banking on the Future. Seed Bank Investigations Teach Biodiversity and Biocomplexity

    Science.gov (United States)

    Clary, Renee; Wandersee, James

    2013-01-01

    People depend on plants to fulfill many of their basic needs, such as food, clothing, and shelter. Although plants are all around us, people are often afflicted with "plant blindness," paying more attention to animals (Wandersee and Clary 2006; Wandersee and Schussler 2001). Studying seed banks and building one in the classroom can…

  5. Central America : Big Data in Action for Development

    OpenAIRE

    World Bank

    2014-01-01

    This report stemmed from a World Bank pilot activity to explore the potential of big data to address development challenges in Central American countries. As part of this activity we collected and analyzed a number of examples of leveraging big data for development. Because of the growing interest in this topic this report makes available to a broader audience those examples as well as the...

  6. Banking Competition Measurement and Banking Sector Performance: Analysis of 4 ASEAN Countries

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2017-02-01

    Full Text Available Many believe concentrated  banking industry which is dominated by few  big banks creates lower  competition, high profitability, and low efficiency. The main issue in empirical testing of this hypothesis is how to measure banking competition level. Traditional measures of competition are  concentration ratio and Herfindahl-Hirschman Index. This study uses three measures of banking level competition which are widely used in recent  financial literature: Boone Indicator, Lerner Index and H-Panzar-Rosse  statistics.  Lerner Index and H-Panzar-Rosse statistics resulted a similar competition level conclusion, while Boone Indicator produced slightly different output. Industry concentration produced opposing results with those three level of industry competition measurement methods. The results show  banking competition tend to be a monopolistic competition in ASEAN countries, especially in Indonesia which banks’ strategy basically were non-pricing strategy. Competition significantly caused lower profitability, while banking efficiency was not significantly affected by level of competition.DOI:  10.15408/sjie.v6i1.4547

  7. The Pays de Gex on the Menu

    CERN Multimedia

    2001-01-01

    Did you know that you can swing from tree to tree like Tarzan (or Jane!) in the brand new forest adventure centre at the Col de la Faucille? And that, in addition to Crozet-Lélex, Mijoux-La Faucille and La Vattay, the Pays de Gex boasts a fourth ski resort at Menthières above Bellegarde-sur-Valserine? All these attractions, and hundreds of others that the Pays de Gex has to offer, were presented at a special exhibition stand in CERN's Restaurant No. 1 last week. For the tenth year running, the Pays de Gex-La Faucille Tourist Office and Geneva's fourteen Coop restaurants had organised a special week devoted to promoting the Pays de Gex-Monts Jura region. Thousands of information leaflets were handed out and visitors had the opportunity to take part in a big raffle with no fewer than 145 prizes to be won: ski passes, Juraventure entrance tickets, meal vouchers courtesy of local hotels and restaurants, and subscriptions to the Val Vital fitness centre in Divonne-les-Bains. The Coop restaur...

  8. Big fish in small banking ponds? Cost advantage and foreign affiliate presence

    NARCIS (Netherlands)

    Galema, R.J.

    We distinguish cost advantage at home from cost advantage vis-à-vis incumbent banks in destination markets to explain the probability of foreign bank affiliate lending. We combine detailed affiliate lending data of all German banks with public bank micro data from 59 destination markets. The

  9. CUSTOMER PERCEPTION OF ONLINE BANKING IN INDIA: PUNJAB

    OpenAIRE

    Singh, Zorawar

    2012-01-01

    The emergence and adoption of information technology has turned the world into a global village. India being an emerging market, it cannot afford to ignore the benefits of information technology especially in the banking sector. The financial services sector realized the importance of the internet as a way of connecting and interacting with clients. From the customers point of view internet banking is a boon. Registered online customers can perform common banking transactions such as paying b...

  10. Paying for banking services: what determines the fees?

    Czech Academy of Sciences Publication Activity Database

    Dvořák, P.; Hanousek, Jan

    -, č. 388 (2009), s. 1-25 ISSN 1211-3298 R&D Projects: GA MŠk LC542; GA ČR GA402/09/1595 Institutional research plan: CEZ:MSM0021620846 Keywords : bank fee s * Central and Eastern Europe * international comparison Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/wp/Wp388.pdf

  11. Financial Performance Bank BNI Syariah Company

    Directory of Open Access Journals (Sweden)

    Diana Widhi Rachmawati

    2018-05-01

    Full Text Available ABSTRACT PT Bank BNI Syariah, one of them working are a big banking company is almost covering all over the country until now looked at  pretty good company asset which are owned, so author conduct research in the title “Financial Performance PT Bank BNI Syariah in Solvability Ratio”. Financial Statement Analysis is aplication from tools and technical analysis financial report general aim and data to be related and estimation produce useful conclutions in business analysis. Financial Performance Analysis research used analysis methode is solvability ratio. General aim to give information finance performance PT Bank BNI Syariah development.  Special goals is finance performance PT Bank BNI Syariah from Solvability Ratio”. This Sample is: PT Bank BNI Syariah. Final result which is research obtained it says finance performance  PT Bank BNI Syariah from Solvability Ratio quite solvable, because this three point inside it contained increased.  This development hope PT Bank BNI Syariah, to be remain consistent with trying to do breakthrough a company goals   Key Words  :  Financial Performance PT Bank BNI Syariah

  12. The paradoxical genesis of too-big-to-fail

    Directory of Open Access Journals (Sweden)

    Thomas S. Umlauft

    2014-03-01

    Full Text Available At least since the Global Financial Crisis of 2007-2009, the problem of too-big-to-fail (TBTF has received widespread attention. The research conducted in this context has, however, generally focused on the econometric aspect and the contribution of the TBTF doctrine to the financial crisis of 2007-2009, while the economic historical approach has been confined to tracing the doctrine to its first appearance. This paper attempts to fill this gap in the academic literature by offering an explanation for why, as opposed to how, the TBTF doctrine has developed. This paper identifies the US population’s distrust and at times hostility against the prospect of concentration of power in large financial institutions as the causal factor leading to the TBTF phenomenon. The resulting socially non-optimal regulation favoured a fragmented and fragile banking system based on small unit banks at the cost of more diversified branch banks. The Great Depression impressively highlighted the deep structural flaws of the US banking system. At the same time, however, it caused a shift in the public opinion, which had generally been opposed to deposit insurance, and thereby aligned the public interest with that of small banks, which would profit most from deposit insurance. The newly acquired public and political support enabled weak unit banks to lobby successfully against reforming the banking structure and instead for the adaption of federal deposit insurance. However, the Federal Deposit Insurance Corporation (FDIC only addressed the symptoms of the weak banking industry but not its causes. Moreover, the strongly biased FDIC policies have generally favoured creditors at large banks, which ultimately led to the TBTF doctrine which, in turn, provided banks with a non-technical incentive to grow in size in order to gain TBTF protection. Initially aimed at preserving the US financial landscape based on small unit banks, the FDIC as the main conduit for TBTF rescues

  13. Ratings uplifts and bank characteristics in the Eurozone 2002-2011

    NARCIS (Netherlands)

    Dijkstra, M.A.

    2013-01-01

    This paper explores which characteristics define banks that are too-big-to-fail in the Eurozone over the period 2002-2011. These banks are identified through ratings uplift data from Moody’s. Higher ratings uplifts are associated with higher degrees of interest income and lower degrees of commission

  14. Effect of capital constraints on risk preference behavior of commercial banks

    Institute of Scientific and Technical Information of China (English)

    Li Ma; Junxun Dai; Xian Huang

    2011-01-01

    Purpose-The purpose of this paper is to analyze how the financial supervision authority utilizes the restrictions of capital constraints imposing on commercial banks the need to develop the macro economy.Design/methodology/approach-This paper uses multilateral game to deduce the loan characteristics of banks,vector and void coordinates to analyze the behavior choices of banks under capital supervision,sets up an index to describe the risk preference of banks,and analyzes the process with Chinese data empirically.Findings-This paper finds big banks have a loan preference for big enterprises and small banks have a preference for establishing a bank syndicate to pursue large projects.Further,the paper notes the conditions by which the heterology banks choose loans across the border and proves that changes of capital requirements would force the credit structure of the commercial banks to adjust along an efficient frontier broken line or an efficient frontier plane under the conditions of interest rate regulation or interest rate marketization,respectively.Research limitations/implications-It is very complex to describe the choices of risk behavior of banks and the simple supervision method needs to be adjusted.Practical implications-This paper finds that banks show risk preferences of credit structure,and capital constraints would affect it greatly;regulators should guard against capital constraint softening.Originality/value-It is the first time that the conditions of banks beyond the loan border have been studied and the behavior adjustment of banks using the vector and void coordinate analyzed.

  15. Analysis and Assessment of Financial Indicators of Banks in the Context of Ensuring Functioning of the Banking System

    Directory of Open Access Journals (Sweden)

    Samorodov Borys V.

    2013-12-01

    Full Text Available The article studies methods of analysis and assessment of financial indicators of activity of banks, which characterise their solvency, keeping which at a relevant level for each bank ensures functioning of the banking system in general. It offers a number of financial indicators, which should be assessed when determining the credit rating of competitor banks. It demonstrates an approach to identification of the degree of influence of indicators upon the solvency level. It reveals a necessity of comparing when conducting analysis of values of financial indicators of bank activity, which are rated, with relevant values by the group of banks and the whole banking system. In the result of application of the proposed methods it seems possible to assess positive and negative sides of activity of a specific bank compared to its competitors. Moreover, rather high values of analysed financial indicators, compared to other studied banks, could be used as weighty information when conducting PR campaigns carried out by the bank. The bank management should pay attention to low values of financial indicators, which are determined through comparison with competitor banks, and build up a relevant strategy of measures on improvement of the bank activity.

  16. Capital requirement, bank competition and stability in Africa

    Directory of Open Access Journals (Sweden)

    Jacob Oduor

    2017-06-01

    Full Text Available Monetary authorities around the world are implementing enhanced banking capital adequacy requirements under Basel III meant to improve financial stability. Critics however argue that increased capital requirements concentrate the banking industry reducing competition while not guaranteeing financial sector stability. Using data from 167 banks in 37 African countries, we find that increased capital beef-up significantly increases financial instability in Africa (except in big banks implying that higher capital requirements did not make African banks safer. We also find that increased regulatory capital improves competitive pricing for foreign banks while it makes domestic banks less competitive mainly attributed to the high cost of sourcing and holding extra capital for domestic banks compared to foreign banks who can source cheaper capital from parent companies. The results put to question the effectiveness of enhanced regulatory capital on stability and competitiveness of the African financial system.

  17. BIGGEST CZECH BANKS IN THE MIRROR OF ANNUAL REPORTS

    Directory of Open Access Journals (Sweden)

    Vladislav PAVLAT

    2016-02-01

    Full Text Available The aim of the Paper is to characterise and analyse the biggest Czech banks Annual reports (ARs. Since 2004, the behaviour of Czech banks has been changing, as can be seen – inter alia - from the big banks´ financial statements and annual reports. During the period of 2007 – 2013 the implementation of IFRS continued and its impact on the institutional structure of banking is visible. From the point of view of banks, annual reports present not only the financial results, but they serve as an important instrument of competition and marketing as well. Comparative analysis of the three Czech leading banks gives a picture of their specific features as reflected in their annual statements.

  18. Do regulators pay attention? An assessment of IT governance implementation in systemically important banks

    Directory of Open Access Journals (Sweden)

    Mehrdad Sepahvand

    2017-03-01

    Full Text Available The large size and complexity of Information Technology systems in systematically important banks raise the need for creating an IT governance architecture that could make IT strategy aligned with business strategy and delivers value while it effectively identifies and manages IT risk. This study traces the links between IT governance and two more applied risk management frameworks, COSO and BCBS’s principles for managing IT risk. Then it argues due to the magnitude of potential losses caused by any weakness in IT governance in D-SIBs, the assessment of IT governance in these banks should be one of the main concerns of local regulators and supervisors. As a case study, it assesses the relative rank of D-SIBs in Iranian banking system to see where these banks would stand in an ordered list of the banks including both private and public banks in terms of IT governance implementation. The application of the Fuzzy AHP technique shows that IT governance practice in Iranian D-SIBs is not as good as the private banks while it outperforms some state-owned banks.

  19. Big Data Analytics and Its Applications

    Directory of Open Access Journals (Sweden)

    Mashooque A. Memon

    2017-10-01

    Full Text Available The term, Big Data, has been authored to refer to the extensive heave of data that can't be managed by traditional data handling methods or techniques. The field of Big Data plays an indispensable role in various fields, such as agriculture, banking, data mining, education, chemistry, finance, cloud computing, marketing, health care stocks. Big data analytics is the method for looking at big data to reveal hidden patterns, incomprehensible relationship and other important data that can be utilize to resolve on enhanced decisions. There has been a perpetually expanding interest for big data because of its fast development and since it covers different areas of applications. Apache Hadoop open source technology created in Java and keeps running on Linux working framework was used. The primary commitment of this exploration is to display an effective and free solution for big data application in a distributed environment, with its advantages and indicating its easy use. Later on, there emerge to be a required for an analytical review of new developments in the big data technology. Healthcare is one of the best concerns of the world. Big data in healthcare imply to electronic health data sets that are identified with patient healthcare and prosperity. Data in the healthcare area is developing past managing limit of the healthcare associations and is relied upon to increment fundamentally in the coming years.

  20. BANKING MODELS TO DETERMINE THE CREDITWORTHINESS

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2013-11-01

    Full Text Available In the current economic situation, the issue of the bank risk management is becoming more present, and the notion of "risk" gets increasingly complicated and controversial meanings.Credit analysis implies, the bank, based on information provided by the accounting documents provided by the client and relevant information from different sources to assess whether the client has the creditworthiness needed for credit, if he has the capacity to pay their debts and to assume them by signing the credit.Thus, the bank aims to limit the maximum exposure to credit risk. Given the complexity of risks in banking activity, customer creditworthiness is an important area of research and application. We considered extremely important in analyzing the creditworthiness of customers both lending decision and determining banking and financial performance, focusing on the relationship risk-banking performance. This relationship is relavant for a trader whose specific activity involves a degree of risk in proportion to the potential gain from the operation undertaken.

  1. AphasiaBank as BigData.

    Science.gov (United States)

    MacWhinney, Brian; Fromm, Davida

    2016-02-01

    AphasiaBank has used a standardized protocol to collect narrative, procedural, personal, and descriptive discourse from 290 persons with aphasia, as well as 190 control participants. These data have been transcribed in the Codes for the Human Analysis of Transcripts (CHAT) format for analysis by the Computerized Language Analysis (CLAN) programs. Here, we review results from 45 studies based on these data that investigate aphasic productions in terms of these eight areas: discourse, grammar, lexicon, gesture, fluency, syndrome classification, social factors, and treatment effects. For each area, we also indicate how use of the CLAN programs has facilitated the analysis. We conclude with an examination of ways in which the size of the database could be increased through on-site recordings and data from teletherapy. Thieme Medical Publishers 333 Seventh Avenue, New York, NY 10001, USA.

  2. 12 CFR 1704.27 - Notice of salary offset where OFHEO is the paying agency.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Notice of salary offset where OFHEO is the..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT OFHEO ORGANIZATION AND FUNCTIONS DEBT COLLECTION Salary Offset § 1704.27 Notice of salary offset where OFHEO is the paying agency. (a) Notice. Upon issuance of a proper...

  3. Fee Pricing for Bank Services: Who Benefits?

    Science.gov (United States)

    Nigro, Peter D.

    1984-01-01

    Discusses how banks brave enough to go against conventional wisdom, which says that customers should pay for everything, could end up with greater profits and more customer satisfaction by exchanging free minimum services for minimum reasonable balances. (RM)

  4. A Perplexed Economist Confronts 'too Big to Fail'

    Directory of Open Access Journals (Sweden)

    Scherer, F. M.

    2010-12-01

    Full Text Available This paper examines premises and data underlying the assertion that some financial institutions in the U.S. economy were "too big to fail" and hence warranted government bailout. It traces the merger histories enhancing the dominance of six leading firms in the U. S. banking industry and he sharp increases in the concentration of financial institution assets accompanying that merger wave. Financial institution profits are found to have soared in tandem with rising concentration. The paper advances hypotheses why these phenomena might be related and surveys relevant empirical literature on the relationships between market concentration, interest rates received and charged by banks, and economies of scale in banking.

  5. A Knowledge-based System for the Analysis of the Ability of Paying back Loans

    Institute of Scientific and Technical Information of China (English)

    朱明; 杨保安

    2001-01-01

    This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system developed focuses on what is bank loans risks management, how to prevent risk by the analysis of the ability of paying back loans. The paper makes the structural analysis involved in the system's decision situation, the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system thus are developed. Through testing the samples from loan business, the quality for the analysis of the ability of paying back loans can be effectively evaluated by the KBS prototype system.

  6. Questions abound as start-up nears for physician data bank.

    Science.gov (United States)

    Gardner, E; Wagner, L; Burda, D

    1990-07-02

    The start-up of the National Practitioner Data Bank is only weeks away, but hospitals and physicians still are raising questions about the system's pros and cons. While most laud the data bank's original mission--to prevent practitioners from concealing a history of incompetence--many physicians claim the scope of the system has grown too big and fear abuse of the information.

  7. Unveiling the Direct Effect of Corporate Entrepreneurship’s Dimensions on the Business Performance: A Case of Big Five Banks in Pakistan

    Directory of Open Access Journals (Sweden)

    Umrani Waheed Ali

    2016-04-01

    Full Text Available The ground aim of this study was to investigate the relationship between individual factors of corporate entrepreneurship and business performance. This investigation was expected to bring in un-revealed results as the past literature does not provide any sufficient evidence for the proposed model. The study used survey method to collect data from the big five banks in Pakistan. For this reason a total of 256 responses were collected from the bank branch managers on the topic, using stratified random sampling technique. Through using PLS structural Equation Modeling, the study employed the use of SmartPLS 3.0 for executing tests pertaining to reliability and validity, this was ensured by evaluating measurement model. Next, the study assessed structure model, under which the research has revealed that out of the 5 mentioned dimensions of corporate entrepreneurship only three have resulted in a significant relationship with business performance; this was followed by assessment of r-squared values and predictive relevance of the model keeping in view the recommendations from the popular literature. Implications for further research and management professionals are mentioned in detail.

  8. The importance of business intelligence in the bank strategic marketing

    Directory of Open Access Journals (Sweden)

    Đorđević Bojan

    2006-01-01

    Full Text Available Marketing philosophy today is inevitable for many financial institutions which are dealing with big competition in the market. Banking institutions while transforming from traditional to modern banks, must put in a first place acceptance of marketing principals, i.e. they must focus on consumers (users of bank's products & services. Implementing new technologies in business, banking market competitors are facing many innovations in products/services and processes, and a wide range of offers in banking and non-banking financial organizations. That invokes the need for modern technological solutions in gathering and processing a lot of market information and individual tracking of every client's activities (one-to-one. In those circumstances, there's great necessity to implement business intelligence system in banks, that can significantly help in finding and realization of adequate marketing strategies in banking business.

  9. The Locals' Opportunity Under Foreign Banks' Expansion

    Institute of Scientific and Technical Information of China (English)

    Han Guiying; Xiao Jiajun

    2009-01-01

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

  10. Big Data solutions on a small scale: Evaluating accessible high-performance computing for social research

    OpenAIRE

    Murthy, Dhiraj; Bowman, S. A.

    2014-01-01

    Though full of promise, Big Data research success is often contingent on access to the newest, most advanced, and often expensive hardware systems and the expertise needed to build and implement such systems. As a result, the accessibility of the growing number of Big Data-capable technology solutions has often been the preserve of business analytics. Pay as you store/process services like Amazon Web Services have opened up possibilities for smaller scale Big Data projects. There is high dema...

  11. FUTURE CHALLENGES TO THE ORGANIZATION OF ACCOUNTING IN TRADE BANKS

    Directory of Open Access Journals (Sweden)

    Radka Andasarova

    2014-06-01

    Full Text Available Trade banks are on the threshold of the introduction of two big projects which would qualitatively change the organization of accounting. The first one is the adoption of long-expected accounting standard Financial instruments IFRS 9, and the second is connected to the introduction of new world standards in bank capital famous as Basel III - a global, voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity risk, through accepted in June 2013 by the EU Capital Requirements Directive 2013/36/EC and Capital Requirements Regulation 575/2013.

  12. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

    Full Text Available As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sample includes significant part of Czech and Slovak banking sector (not only by the number of banks, but also by their share on total banking assets. We have calculated five different liquidity ratios for each bank in the sample. The results showed that liquidity of Czech banks has declined during last ten years. On the contrary, liquidity of Slovak banks fluctuated only slightly during the period 2001–2008. Bank liquidity has fallen due to the financial crisis in both countries; the impact is worse for Slovak banks. Both Czech and Slovak banks have become less liquid also as a result of increase in lending activity. Czech and Slovak banks have the same strategies how to insure against liquidity crises: big banks rely on the interbank market or on a liquidity assistance of the Lender of Last Resort, small and medium sized banks hold buffer of liquid assets.

  13. Big data, smart cities and city planning.

    Science.gov (United States)

    Batty, Michael

    2013-11-01

    I define big data with respect to its size but pay particular attention to the fact that the data I am referring to is urban data, that is, data for cities that are invariably tagged to space and time. I argue that this sort of data are largely being streamed from sensors, and this represents a sea change in the kinds of data that we have about what happens where and when in cities. I describe how the growth of big data is shifting the emphasis from longer term strategic planning to short-term thinking about how cities function and can be managed, although with the possibility that over much longer periods of time, this kind of big data will become a source for information about every time horizon. By way of conclusion, I illustrate the need for new theory and analysis with respect to 6 months of smart travel card data of individual trips on Greater London's public transport systems.

  14. Transformative Science for the Next Decade with the Green Bank Observatory

    Science.gov (United States)

    O'Neil, Karen; Frayer, David; Ghigo, Frank; Lockman, Felix; Lynch, Ryan; Maddalena, Ronald; minter, Anthony; Prestage, Richard

    2018-01-01

    With new instruments and improved performance, the 100m Green Bank Telescope is now demonstrating its full potential. On this 60th anniversary of the groundbreaking for the Green Bank Observatory, we can look forward to the future of the facility for the next 5, 10, and even 20 years. Here we describe the results from a recent workshop, “Transformative Science for the Next Decade with the Green Bank Observatory: Big Questions, Large Programs, and New Instruments,” and describe the scientific plans for our facility.

  15. 76 FR 47216 - Expediting Research Tools to NIH Licensees Through the Use of Pay.gov for Rapid Processing of...

    Science.gov (United States)

    2011-08-04

    ... critical drug development program or other business venture. By eliminating the need for bank checks, the... to date from licensees who have started to use Pay.gov for their royalty payments include: ``For Pay.gov , it's easy, convenient and fast, I guess that's what I experienced.'', ``It literally only took...

  16. EMPLOYEE PERCEPTIONS OF JOB SATISFACTION: COMPARATIVE STUDY ON INDIAN BANKS

    Directory of Open Access Journals (Sweden)

    Arunima Shrivastava

    2009-01-01

    Full Text Available The present study examined the job satisfaction level of a public sector and private sector bank employees in India. The sample consisted of 340 bank employees from both sectors. Job Diagnostic Survey by Hackman and Oldham (1975 was used to ascertain the level of job satisfaction. This study used independent samples t-test and qualitative analysis to study the differences in employee attitudes. Results indicated that the means of the public and private banks were significantly different from each other. It was found that private sector bank employees perceive greater satisfaction with pay, social, and growth aspects of job as compared to public sector bank employees. On the other hand, public sector bank employees have expressed greater satisfaction with job security as compared to private sector bank employees. The findings of the study highlight important satisfiers and dissatisfiers present in the job and suggest both the banks to take performance initiatives in the areas where employees have reported reduced satisfaction.

  17. Checking and Balancing: Banking and Budgeting.

    Science.gov (United States)

    Thypin, Marilyn; Glasner, Lynne

    A short fictional work for limited English speakers is presented that relates a young couple's experience in learning about managing their money more carefully by budgeting and maintaining a checking account. Since the couple did not have a checking account, they had to go to their savings bank in order to pay each bill and they had to keep cash…

  18. Penguin Bank: A Loa-Trend Hawaiian Volcano

    Science.gov (United States)

    Xu, G.; Blichert-Toft, J.; Clague, D. A.; Cousens, B.; Frey, F. A.; Moore, J. G.

    2007-12-01

    Hawaiian volcanoes along the Hawaiian Ridge from Molokai Island in the northwest to the Big Island in the southeast, define two parallel trends of volcanoes known as the Loa and Kea spatial trends. In general, lavas erupted along these two trends have distinctive geochemical characteristics that have been used to define the spatial distribution of geochemical heterogeneities in the Hawaiian plume (e.g., Abouchami et al., 2005). These geochemical differences are well established for the volcanoes forming the Big Island. The longevity of the Loa- Kea geochemical differences can be assessed by studying East and West Molokai volcanoes and Penguin Bank which form a volcanic ridge perpendicular to the Loa and Kea spatial trends. Previously we showed that East Molokai volcano (~1.5 Ma) is exclusively Kea-like and that West Molokai volcano (~1.8 Ma) includes lavas that are both Loa- and Kea-like (Xu et al., 2005 and 2007).The submarine Penguin Bank (~2.2 Ma), probably an independent volcano constructed west of West Molokai volcano, should be dominantly Loa-like if the systematic Loa and Kea geochemical differences were present at ~2.2 Ma. We have studied 20 samples from Penguin Bank including both submarine and subaerially-erupted lavas recovered by dive and dredging. All lavas are tholeiitic basalt representing shield-stage lavas. Trace element ratios, such as Sr/Nb and Zr/Nb, and isotopic ratios of Sr and Nd clearly are Loa-like. On an ɛNd-ɛHf plot, Penguin Bank lavas fall within the field defined by Mauna Loa lavas. Pb isotopic data lie near the Loa-Kea boundary line defined by Abouchami et al. (2005). In conclusion, we find that from NE to SW, i.e., perpendicular to the Loa and Kea spatial trend, there is a shift from Kea-like East Molokai lavas to Loa-like Penguin Bank lavas with the intermediate West Molokai volcano having lavas with both Loa- and Kea-like geochemical features. Therefore, the Loa and Kea geochemical dichotomy exhibited by Big Island volcanoes

  19. The BIG Data Center: from deposition to integration to translation.

    Science.gov (United States)

    2017-01-04

    Biological data are generated at unprecedentedly exponential rates, posing considerable challenges in big data deposition, integration and translation. The BIG Data Center, established at Beijing Institute of Genomics (BIG), Chinese Academy of Sciences, provides a suite of database resources, including (i) Genome Sequence Archive, a data repository specialized for archiving raw sequence reads, (ii) Gene Expression Nebulas, a data portal of gene expression profiles based entirely on RNA-Seq data, (iii) Genome Variation Map, a comprehensive collection of genome variations for featured species, (iv) Genome Warehouse, a centralized resource housing genome-scale data with particular focus on economically important animals and plants, (v) Methylation Bank, an integrated database of whole-genome single-base resolution methylomes and (vi) Science Wikis, a central access point for biological wikis developed for community annotations. The BIG Data Center is dedicated to constructing and maintaining biological databases through big data integration and value-added curation, conducting basic research to translate big data into big knowledge and providing freely open access to a variety of data resources in support of worldwide research activities in both academia and industry. All of these resources are publicly available and can be found at http://bigd.big.ac.cn. © The Author(s) 2016. Published by Oxford University Press on behalf of Nucleic Acids Research.

  20. Pengaruh Keterlibatan Kerja dan Loyalitas Karyawan terhadap Kinerja Karyawan (pada Karyawan Bank Uob Cabang Pekanbaru)

    OpenAIRE

    Afriani, Fitri; ", Kasmiruddin

    2017-01-01

    United Overseas Bank Limited (UOB) is engaged in the banking field. UOB Bank is a leading bank in Asia which provides a large number of financial services through its global network. In order to face the competition is quite tough, and able to survive even in difficult circumstances and to provide the best service to its customers the company should pay attention work engagement and loyalty of employees to increase their involvement and awareness and loyalty of employees to work in this compa...

  1. The Passport to the Big Bang: a trail of discovery of CERN and its sites

    CERN Multimedia

    CERN Bulletin

    2013-01-01

    Sunday 2 June 2013 will see the launch of CERN’s Passport to the Big Bang, a scientific tourist trail linking ten of the Laboratory’s sites in the Pays de Gex and the Canton of Geneva. CERN is organising a public event to celebrate the launch and needs lots of volunteers – you could be one of them!   The exhibition platform in Sergy, in front of the ALICE experiment. Does your grocer insist that the Pays de Gex is going to be swallowed up by a black hole made by the LHC? Do your neighbours ask you questions about the CERN site visible from your houses, leaving you stumped when you don’t have the answers?  Well then, take them on an accelerator tour – but above ground and with no need for access cards! How? By taking advantage of the Passport to the Big Bang, a cross-border scientific tourist trail that will be inaugurated on 2 June. The goal of the Passport to the Big Bang is provide the local population wi...

  2. THE PERFORMANCE OF GLOBAL BANKS IN THEIR CROSS-BORDER ACTIVITY

    Directory of Open Access Journals (Sweden)

    Andreea POPOVICI

    2015-04-01

    Full Text Available The crisis that affected the global financial stability and the economy in 2007-09 has reinforced the need to rethink some of the approaches adopted by the financial community in assessing banks’ performance. The aim of this paper is to see if global banks improve their performance due to their cross-border activity, whether we speak about mergers or acquisitions of local banks or we speak about other ways a global bank begins the activity in a different country. As methodology, we will analyze the dynamic of ROAA and ROAE during 2006-2013 in the case of two global banks, Société Générale and Erste Group, and their branches in countries from Central and Eastern Europe. At the end of the paper, we will compare the results for each big bank and their branches.

  3. FINANCIAL SOUNDNESS INDICATORS IN BOSNIA AND HERZEGOVINA BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Kemal Kozaric

    2014-12-01

    Full Text Available The purpose of this paper is to research financial soundness indicators in Bosnia and Herzegovina banking sector, their interconnections, causality and influenced factors. Therefore the subjects of analysis are core financial indicators. For that purposes data from International Monetary Fund for period 2008 – 2013th as well as data from state agencies and central bank were used. In order to gain research goal different scientific methods were used. Therefore, correlation and regression analysis were employed in order to reveal connectivity and causality between those factors. Results have shown that banks in Bosnia and Herzegovina still have to pay attention on non-performing loans as one of the main threats to their liquidity and stability.

  4. Analysis of Computer Network Information Based on "Big Data"

    Science.gov (United States)

    Li, Tianli

    2017-11-01

    With the development of the current era, computer network and large data gradually become part of the people's life, people use the computer to provide convenience for their own life, but at the same time there are many network information problems has to pay attention. This paper analyzes the information security of computer network based on "big data" analysis, and puts forward some solutions.

  5. Corporate Governance and Performance of Banking Firms: Evidence from Indonesia, Thailand, Philippines, and Malaysia

    Directory of Open Access Journals (Sweden)

    Maria Praptiningsih

    2009-01-01

    Full Text Available Corporate governance still becomes a major issue during the post-financial crisis period in Asian emerging market, such as Indonesia, Thailand, Philippines and Malaysia. Particularly, the financial institutions have implemented corporate governance reforms to enhance the protection of shareholders and stakeholders interest. The consequences emerge as it allows for greater monitoring especially by the shareholders. The objective of this study is to measure the corporate governance and performance in banking sectors in particular, which is determining by the corporate governance mechanisms. In the last part, this study attempts to identify whether there exist any differences in the monitoring mechanisms of banking firms and non-banking firms. This study found that only the foreign shareholder which is represent of the ownerships monitoring mechanisms are significantly negatively related with corporate performance measures in the banking firms in Asian emerging markets. Second, the Internal Control Monitoring Mechanisms showed the insignificant relationship with corporate performance, but only one of the internal control monitoring mechanisms which is CEO duality provides evidence in order to explain the relationship better. Third, the disclosure monitoring mechanisms through the big 4 external auditor is significantly related to corporate performance, instead of the big 3 rating agency. Last, there are similarities between bank and non-bank in terms of corporate governance monitoring mechanisms.

  6. Social responsibility in the banking sector: Experience from Serbia

    Directory of Open Access Journals (Sweden)

    Stojanović-Aleksić Vesna

    2016-01-01

    Full Text Available In this paper, we analyze the level of social responsibility, including its basic dimensions, in the banking sector in the Republic of Serbia. The main research goal is to stress the importance of the concept of corporate social responsibility (CSR and to determine the level of development of specific dimensions and aspects of corporate social responsibility in the domestic banking sector. Therefore, we provide an insight into the most developed aspects, such as responsibility to the community and customers, within the external dimensions, and those aspects that banks should pay more attention to and invest more resources in, such as internal social responsibility and CSR disclosure. Consideration of the social responsibility of banks from this perspective represents an original research approach and the derived findings are significant in many ways in both theoretical and practical terms.

  7. Critical Assessment of Banking Institutions in South Africa

    Directory of Open Access Journals (Sweden)

    Bakam Fotso

    2017-04-01

    Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

  8. 5 CFR 410.402 - Paying premium pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Paying premium pay. 410.402 Section 410... for Training Expenses § 410.402 Paying premium pay. (a) Prohibitions. Except as provided by paragraph (b) of this section, an agency may not use its funds, appropriated or otherwise available, to pay...

  9. The Third Pillar of the Basel Accord: Evidence of borrower discipline in the Kyrgyz banking system

    Directory of Open Access Journals (Sweden)

    Edgar Demetrio Tovar-García

    2016-07-01

    Full Text Available We empirically study the asset side of market discipline in the banking system of the Kyrgyz Republic, examining whether borrowers are willing to pay higher interest rates to high-quality banks. Based on dynamic panel models and a dataset with bank information from 23 banks over the period 2010–2012, our findings suggest the presence of market discipline induced by borrowers. In other words, banks with higher capital ratios and liquidity charge higher interest rates on loans. This result has several implications for the banking policy in Kyrgyzstan, where we can recommend to policymakers a disclosure policy following the Third Pillar of Basel III, because not only can the bank's creditors use bank information to penalize the excessive bank risk, but borrowers can also use this information to discipline their banks.

  10. Bank Income Diversification from Stock Market Perspective: Evidence from ASEAN+3

    Directory of Open Access Journals (Sweden)

    Agnes Helena Natalia

    2016-02-01

    Full Text Available This paper empirically examines the effect of banks' revenue diversification on the stock-based return and risk measures using data on the ASEAN-5, and addition from China, Japan, and South Korea banking sector. This paper use panel Fixed Effect and robustness test with Random Effect and TSLS. We use non-interest income share as a measure for revenue diversification. We find that revenue diversification has no effect on bank market value but significantly decrease bank total risks. When non-interest income is decomposed, we find that fee-income business has significant positive effect on bank value. Furthermore, it’s important to see characteristic of banks that do diversification, such as bank size and capital. Overall, we give evidence that banks, especially which have big size and good condition on capital, could increase their value and lower their risk by doing diversification in income through non-interest income, especially with fee income and other non-interest income. Normal 0 false false false EN-US X-NONE X-NONE

  11. Personality correlates of pathological gambling derived from Big Three and Big Five personality models.

    Science.gov (United States)

    Miller, Joshua D; Mackillop, James; Fortune, Erica E; Maples, Jessica; Lance, Charles E; Keith Campbell, W; Goodie, Adam S

    2013-03-30

    Personality traits have proved to be consistent and important factors in a variety of externalizing behaviors including addiction, aggression, and antisocial behavior. Given the comorbidity of these behaviors with pathological gambling (PG), it is important to test the degree to which PG shares these trait correlates. In a large community sample of regular gamblers (N=354; 111 with diagnoses of pathological gambling), the relations between measures of two major models of personality - Big Three and Big Five - were examined in relation to PG symptoms derived from a semi-structured diagnostic interview. Across measures, traits related to the experience of strong negative emotions were the most consistent correlates of PG, regardless of whether they were analyzed using bivariate or multivariate analyses. In several instances, however, the relations between personality and PG were moderated by demographic variable such as gender, race, and age. It will be important for future empirical work of this nature to pay closer attention to potentially important moderators of these relations. Copyright © 2012 Elsevier Ireland Ltd. All rights reserved.

  12. "The LIBOR Scandal: The Fix Is In--the Bank of England Did It!"

    OpenAIRE

    Jan Kregel

    2012-01-01

    As the results of the various official investigations spread, it becomes more and more apparent that a large majority of financial institutions engaged in fraudulent manipulation of the benchmark London Interbank Offered Rate (LIBOR) to their own advantage, and that bank management and regulators were unable to effectively monitor the activity of institutions because they were too big to manage and too big to regulate. However, instead of drawing the obvious conclusion—that structural changes...

  13. Corporate Social Responsibility and Employee Health in the Nigerian Banking Sector

    Directory of Open Access Journals (Sweden)

    Dr. Chukwuemeka Anene MBBS

    2013-07-01

    Full Text Available It is often said that the most important entity in any organisation is its human capital. With this is in mind, it has been recommended that an organisation which seeks to do well must pay particular attention to the welfare of its employees. This paper considers the issue of employer health insurance as it operates in the Nigerian banking sector. It argues that employee welfare, being a corporate social responsibility, banks must do more to ensure that the healthcare of their employees are better taken care of, bearing in mind the relative youth of most bank employees and the sensitive nature of work in the banking sector. The paper begins with an overview of corporate social responsibility, the nature of employee healthcare available in Nigeria and managed healthcare in the private sector. The paper also considers the typical health challenges of bank employees and healthcare options available to them, making a case for better structured health care for bank employees.

  14. Assessing Canadian Bank Branch Operating Efficiency Using Data Envelopment Analysis

    Science.gov (United States)

    Yang, Zijiang

    2009-10-01

    In today's economy and society, performance analyses in the services industries attract more and more attention. This paper presents an evaluation of 240 branches of one big Canadian bank in Greater Toronto Area using Data Envelopment Analysis (DEA). Special emphasis was placed on how to present the DEA results to management so as to provide more guidance to them on what to manage and how to accomplish the changes. Finally the potential management uses of the DEA results were presented. All the findings are discussed in the context of the Canadian banking market.

  15. Collateral Determinats In Bank Risk Mananagement: The Regional Case

    Directory of Open Access Journals (Sweden)

    A. M. Karminsky

    2018-01-01

    Full Text Available Regional banks are struggling with significant obstacles in the modern Russian economy. Among them are strong competition with major big banks, strong resource restrictions, tightening the Bank of Russia’s requirements, and quite rapid expansion of financial technologies. Thus, the reduction of regional banks occurs, that produces both a negative impact on the development of small and medium enterprises (SMEs and challenges for balanced competition on the Russian market. Basically, these banks provide the settlement of region’s social and economic problems while maintaining local companies and enterprises. Collateral, as a source for losses covering, became the essential element of credit risk management in banks. Providing lenders to implement such instruments, it helps to reduce bank losses under borrower’s default. The purpose of the article relates to revealing of collateral determinants with higher impact on bank risk with the application of empirical methods (including regional level. This study is based on linear regression models evaluated by the least square method. Private data of secured small and medium business loans is used. This article presents LTV (loan-to-value as a major collateral determinant. The empirical evidence of interlinkage between collateral requirements, by the means of LTV, and risk premium is provided for loan portfolio of Russian regional banks. The hypothesis that LTV conversely correlates with risk premium is statistically proved.

  16. The development of capital market and bank risk: The case of Iran

    Directory of Open Access Journals (Sweden)

    Navid Babak Jamshidi

    2017-01-01

    Full Text Available This paper is an attempt to investigate about relationship between the development of capital market and bank risk in Tehran Stock Exchange. Three hypotheses were presented in this research. This is a descriptive- correlative research. Multi-variable regression was used in this research. According to results of this research, there is a significant relationship between the development of capital market and bank risk. Additionally, there is significant relationship between Beta, income variety, and market value and capital market development. Also, due to effective role of bank in Iran economy bridge market, it is possible to point out its effective role in capital market. Results of this research confirm this claim. It is suggested to stakeholders and users of banking information and capital market to pay attention to bank risks regard their decision-making.

  17. PENGARUH KALITAS PELAYANAN BANK SYARIAH TERHADAP NILAI, KEPUASAN SERTA LOYALITASNASABAH DI KOTA BANDUNG

    Directory of Open Access Journals (Sweden)

    Acep Rohendi

    2016-03-01

    Full Text Available Abstract - This research was conducted to determine the extent to which the Sharia Bank of service quality in the city of Bandung. This needs to be known for Customers who are loyal to the Sharia bank customers are not only willing to run the bank's customers because the principles of sharia, but also the arena of service quality are implemented to meet customer expectations. Thus, Sharia banks can increase the number of customers and retain customers for its service quality factor. To assess the bank's service quality and customer loyalty using the framework created by Cronin, Brady and Hult (2000 that the quality of service, value and satisfaction of all services related to loyalty. Quality of service using the theory of joint Gronroos (1990 and Parasuraman (1988. The research proves that the Sharia Bank in the City of functional quality effect on the creation of the organization's image at 2.25%; functional quality effect on the creation of service quality by 7.29%; technical quality influence on the creation of the organization's image by 3.61%; technical quality influence the creation of service quality at 16.81% affect the organization's image creation service quality by 36%  affect the service quality of service value creation at 2% influence the creation of service quality customer satisfaction by 1.7% service quality affect loyalty creation of 1% value creation services affect customer satisfaction by 2.3% customer satisfaction affects loyalty by 19.4%. With research, the Sharia Bank Sharia Bank in Bandung have to pay attention to the functional quality, technical quality, the images to create quality and service excellence.  Sharia Bank in Bandung have to pay attention to service quality and value of services to create customer satisfaction Sharia Bank in Bandung have to pay attention to quality service and customer satisfaction  to create customer loyalty.   Keywords : Service Quality, Satisfation, Loyalty, Sharia, Banking

  18. Kinerja Efisiensi Teknis Bank Pembangunan Daerah: Pendekatan Data Envelopment Analysis (DEA

    Directory of Open Access Journals (Sweden)

    Zaenal Abidin

    2009-01-01

    Full Text Available This research utilises the non-parametric frontier approach, Data Envelopment Analysis (DEA to analyze technical efficiency of the regional development banks (BPD. The data was during 2006-2007 covering 26 BPD in Indonesia. The result of study indicated that the regional of development bank did not achieve technical efficiency at the level of maximum (100%. On avarege, the big-asset of BPD are found to be more efficient than the middle and small asset. The study has important implications such as guiding the BPD policy regarding merger and bank intermediary. Since the study pinpoints the sources of inefficiency , it would also help banks with strategic planning Abstract in Bahasa Indonesia:Penelitian ini menggunakan pendekatan non-parametrik Data Envelopment Analysis untuk menganalisis efisiensi teknis Bank Pembangunan Daerah (BPD. Data yang digunakan selama 2006-2007 yang meliputi 26 bank BPD seluruh Indonesia. Hasil studi menunjukkan bahwa kinerja efisiensi teknis bank BPD belum mencapai tingkat efisiensi optimal 100 persen. Secara rata-rata, bank BPD beraset lebih besar lebih efisien daripada bank BPD beraset menengah dan kecil. Penelitian ini memiliki implikasi penting dalam rangka mengoptimalkan kinerja efisiensi maka bank kecil dan menengah harus melakukan merger dan meningkat fungsi intermediasi perbankan. 

  19. Maximizing the phylogenetic diversity of seed banks.

    Science.gov (United States)

    Griffiths, Kate E; Balding, Sharon T; Dickie, John B; Lewis, Gwilym P; Pearce, Tim R; Grenyer, Richard

    2015-04-01

    Ex situ conservation efforts such as those of zoos, botanical gardens, and seed banks will form a vital complement to in situ conservation actions over the coming decades. It is therefore necessary to pay the same attention to the biological diversity represented in ex situ conservation facilities as is often paid to protected-area networks. Building the phylogenetic diversity of ex situ collections will strengthen our capacity to respond to biodiversity loss. Since 2000, the Millennium Seed Bank Partnership has banked seed from 14% of the world's plant species. We assessed the taxonomic, geographic, and phylogenetic diversity of the Millennium Seed Bank collection of legumes (Leguminosae). We compared the collection with all known legume genera, their known geographic range (at country and regional levels), and a genus-level phylogeny of the legume family constructed for this study. Over half the phylogenetic diversity of legumes at the genus level was represented in the Millennium Seed Bank. However, pragmatic prioritization of species of economic importance and endangerment has led to the banking of a less-than-optimal phylogenetic diversity and prioritization of range-restricted species risks an underdispersed collection. The current state of the phylogenetic diversity of legumes in the Millennium Seed Bank could be substantially improved through the strategic banking of relatively few additional taxa. Our method draws on tools that are widely applied to in situ conservation planning, and it can be used to evaluate and improve the phylogenetic diversity of ex situ collections. © 2014 Society for Conservation Biology.

  20. DAMPAK RISIKO DEFAULT BANK TERHADAP RISIKO SISTEMIK PERBANKAN DAN RISIKO SISTEMATIK BURSA SAHAM DI LIMA NEGARA ASEAN

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-05-01

    Full Text Available Abstract Global financial crisis in 2008 has driven special attention to systemic banking sector risk that cause byindividual bank default. Though, banking crisis significantly affect economic growth and national macroeco-nomic condition. Individual bank default non only affect banking industry but also has serious injured theeconomy. Bank default risk not only affect systemic risk but also systematic risk.ASEAN financial integrationplan raise a need to understand characteristics of ASEAN banking industry. Close relationship and intercon-nection between ASEAN economies will make individual bank default a serious issue that its effect will spreadto all ASEAN economy. This research aimed to investigate the effect of bank default risk on systemic andsystematic risk in 5 ASEAN countries. We find that bank default risk significantlyraised systemic risk, esspeciallyin country with high concentration in its banking industry structure. Big banks tend to more serious effect onsystemic risk. Systematic risk tend to be affected by macroeconomy condition, rather than default risk ofindividual bank.

  1. Big data based fraud risk management at Alibaba

    Directory of Open Access Journals (Sweden)

    Jidong Chen

    2015-12-01

    Full Text Available With development of mobile internet and finance, fraud risk comes in all shapes and sizes. This paper is to introduce the Fraud Risk Management at Alibaba under big data. Alibaba has built a fraud risk monitoring and management system based on real-time big data processing and intelligent risk models. It captures fraud signals directly from huge amount data of user behaviors and network, analyzes them in real-time using machine learning, and accurately predicts the bad users and transactions. To extend the fraud risk prevention ability to external customers, Alibaba also built up a big data based fraud prevention product called AntBuckler. AntBuckler aims to identify and prevent all flavors of malicious behaviors with flexibility and intelligence for online merchants and banks. By combining large amount data of Alibaba and customers', AntBuckler uses the RAIN score engine to quantify risk levels of users or transactions for fraud prevention. It also has a user-friendly visualization UI with risk scores, top reasons and fraud connections.

  2. Gene banks pay big dividends to agriculture, the environment, and human welfare

    Science.gov (United States)

    R. C. Johnson

    2008-01-01

    Nearly a century after the pioneering American apple tree purveyor Johnny Appleseed traveled from town to town planting nurseries in the Midwestern United States, Frans Nicholas Meijer left his Netherlands home to pursue a similar vocation as an "agricultural explorer" for the US Department of Agriculture. Over the course of his career, Meijer, who...

  3. The Relationship between Pay-for-Performance Perceptions and Pay Satisfaction.

    Science.gov (United States)

    Heneman, Robert L.; And Others

    1988-01-01

    Assessed relationship between pay-for-performance perceptions and pay satisfaction among 104 hospital employees. Results indicated positive relationship between pay-for-performance perceptions and pay-raise satisfaction, pay-level satisfaction, and overall pay satisfaction even after effects of salary level, salary increases, performance ratings,…

  4. The effectiveness of the Spanish banking reform application of Altman’s Z-Score

    Directory of Open Access Journals (Sweden)

    Ntoung A. T. Lious

    2016-10-01

    Full Text Available The recent financial crisis which causes bankruptcy around the world, Spain was placed at the top list because of the crucial state of its banking. This lead to a call to ensure adequate bank capitalization and reduce uncertainty regarding the strength of their balance sheets. In the light of recent event, the important of knowing the financial position of banks is imperative to shareholders. Thus, the aim of this study is to affirm the validity of Altman Z”-Score model as a predictors of the uncertainty regarding financial sector in Spain. This study takes into consideration two periods: before the banking reform and after the banking reform. It requires 30 financial institutions in Spain both big as well as small. Ratio analysis was carried out on the 30 banks before and after the reforms for five years prior to their bankruptcy or nationalisation as the Z” Score model has predictive power of up to five years before the reforms

  5. Big data analytics turning big data into big money

    CERN Document Server

    Ohlhorst, Frank J

    2012-01-01

    Unique insights to implement big data analytics and reap big returns to your bottom line Focusing on the business and financial value of big data analytics, respected technology journalist Frank J. Ohlhorst shares his insights on the newly emerging field of big data analytics in Big Data Analytics. This breakthrough book demonstrates the importance of analytics, defines the processes, highlights the tangible and intangible values and discusses how you can turn a business liability into actionable material that can be used to redefine markets, improve profits and identify new business opportuni

  6. 5 CFR 534.305 - Pay periods and computation of pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Pay periods and computation of pay. 534... PAY UNDER OTHER SYSTEMS Basic Pay for Employees of Temporary Organizations § 534.305 Pay periods and computation of pay. (a) The requirements of 5 U.S.C. 5504, must be applied to employees of temporary...

  7. The transition from traditional banking to mobile internet finance: an organizational innovation perspective - a comparative study of Citibank and ICBC

    OpenAIRE

    Chen, Zhuming; Li, Yushan; Wu, Yawen; Luo, Junjun

    2017-01-01

    The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry. FinTech is expected to overturn the traditional banking business model, forcing banks to upgrade and transform. This study adopts a comparative case study method to contrast and analyze the Industrial and Commercial Bank of China (ICBC) and Citibank. It analyzes the strategies, organizations,...

  8. THE IMPACT OF FINANCIAL LIBERALIZATION ON ROMANIAN BANKING SYSTEM EFFICIENCY

    Directory of Open Access Journals (Sweden)

    Ciupac-Ulici Maria-Lenuta

    2013-07-01

    Full Text Available In the last three decades, many emerging countries have moved away from a system of restrictive monetary and financial controls to a more liberalized financial sector. The restrictive imposed policies were expected to contribute to industrialization of the economy and to the stability of the banking sector. However, financial liberalization had big costs on the banking system's competitiveness and efficiency. Financial liberalization has a different impact on banking markets. Thus, there is no size that fits all policies concerning banking liberalization process. For highly efficient banks, competition is improving their efficiency standard, while less efficient banks can`t compete with foreign banks and further are decreasing in efficiency or are driven out of the market. Overall, the average efficiency of domestic banking markets should be an important variable in deciding to open up their banking market. Banks that are operating close to the frontier, in general are improving their efficiency following financial liberalization process. Banks that are operating in a further distance can`t manage to compete with foreign market entrants, so, they are losing from liberalization process. In this article we propose to measure the impact of financial liberalization process on Romanian banking system. We used the panel regression to study the informational efficiency of three Romanian banks during 2004 - 2012. The dependent variable of the model was the price of stock bank, and the independent variables were the financial indicators (return on equity, return on assets, net profit margin. In the second regression we introduce a dummy variable for crisis period. Our results show that the financial indicators choose do not affect the efficiency of Romanian bank, but the crisis had a negative impact on them. International context, credit risk, the implementation of Basel III and reducing exposures in the absence of investment alternatives remains key

  9. Characterization of lettuce big-vein associated virus and Mirafiori lettuce big-vein virus infecting lettuce in Saudi Arabia.

    Science.gov (United States)

    Umar, M; Amer, M A; Al-Saleh, M A; Al-Shahwan, I M; Shakeel, M T; Zakri, A M; Katis, N I

    2017-07-01

    During 2014 and 2015, 97 lettuce plants that showed big-vein-disease-like symptoms and seven weed plants were collected from the Riyadh region. DAS-ELISA revealed that 25% and 9% of the lettuce plants were singly infected with LBVaV and MiLBVV, respectively, whereas 63% had a mixed infection with both viruses. The results were confirmed by multiplex reverse transcription polymerase chain reaction using primers specific for LBVaV and MiLBVV. LBVaV and MiLBVV were also detected in Sonchus oleraceus and Eruca sativa, respectively. The nucleotide sequence of LBVaV and MiLBVV Saudi isolates ranged from 94.3-100%, and their similarities to isolates with sequences in the GenBank database ranged from 93.9 to 99.6% and 93.8 to 99.3%, respectively. Olpidium sp. was present in the roots of lettuce plants with big-vein disease and it was shown to facilitate transmission of both viruses.

  10. Big Opportunities and Big Concerns of Big Data in Education

    Science.gov (United States)

    Wang, Yinying

    2016-01-01

    Against the backdrop of the ever-increasing influx of big data, this article examines the opportunities and concerns over big data in education. Specifically, this article first introduces big data, followed by delineating the potential opportunities of using big data in education in two areas: learning analytics and educational policy. Then, the…

  11. Turkish Banking Sector Credit-Deposit Developments Regionally Analysis (2005-2011

    Directory of Open Access Journals (Sweden)

    Adalet HAZAR

    2013-06-01

    Full Text Available Banking sector takes over the mediation function between fund suppliers and demand. So by the time the financial system gets deeper, banking sector involves to the dinamics and becomes a vital part of economic growth. In our country which expressed as having insufficiant savings, regionally analising in 2005-2011 period developments is the purpose of this study. On the numerical estimations, in spite of having more capacity to purchase parity, big cities shows a higher performance for savings. However especially the cities in the regions of East and Southeast Anatolia, purchase capacity parity is lower and savings are under their own costs.

  12. Can routine commercial cord blood banking be scientifically and ethically justified?

    Directory of Open Access Journals (Sweden)

    Nicholas M Fisk

    2005-02-01

    Full Text Available BACKGROUND TO THE DEBATE: Umbilical cord blood--the blood that remains in the placenta after birth--can be collected and stored frozen for years. A well-accepted use of cord blood is as an alternative to bone marrow as a source of hematopoietic stem cells for allogeneic transplantation to siblings or to unrelated recipients; women can donate cord blood for unrelated recipients to public banks. However, private banks are now open that offer expectant parents the option to pay a fee for the chance to store cord blood for possible future use by that same child (autologous transplantation.

  13. How signaling and search costs affect information asymmetry in P2P lending: the economics of big data

    OpenAIRE

    Yan, Jiaqi; Yu, Wayne; Zhao, J. Leon

    2015-01-01

    In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying ho...

  14. 5 CFR 550.604 - Biweekly pay periods and computation of pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Biweekly pay periods and computation of pay. 550.604 Section 550.604 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY ADMINISTRATION (GENERAL) Computation of Pay for Biweekly Pay Periods § 550.604 Biweekly pay...

  15. Personality as predictor of customer service centre agent performance in the banking industry: An exploratory study

    Directory of Open Access Journals (Sweden)

    Linda Blignaut

    2014-10-01

    Research purpose: The aim of the study was to identify personality traits, as measured by the Occupational Personality Questionnaire 32r (item response theory scored version, including the more parsimonious Big Five personality traits, that may act as job performance predictors for customer service centre (CSC agents in the banking industry. Motivation for the study: This study provides an exploratory investigation of whether specific personality traits differ amongst CSC agents in the banking industry, based on their job performance. No published research in this field could be identified. Research design, approach and method: Purposive sampling was used to collect data from the entire CSC agent base of a particular banking group (N = 89. Responses were analysed by means of quantitative techniques. Main findings and practical/managerial implications: Results indicate that parsimonious traits of personality, expressed as the Big Five personality traits, predict job performance. The importance of carefully selecting suitable job performance criteria for a specific environment, however, emerged as a critical issue in performance prediction. Contribution: The study focuses attention on the importance of CSC agents’ performance as frontline staff in the banking industry and identifying valid criteria for selecting the most suitable agents. Providing a one-contact point of service such as a CSC is a fairly new approach in the South African banking industry and this study provides an initial investigation of personality traits that may serve as job performance predictors in this environment.

  16. Diversification and Community Bank Performance during a Financial Crisis

    Directory of Open Access Journals (Sweden)

    Kathy Estes

    2014-11-01

    Full Text Available Many U.S. banks failed or performed poorly during the recent financial crisis.  Although the costliest failures were large institutions, the majority of failures were community banks (less than $1 billion in total assets.  Community banks, which are considered instrumental in small business lending and employment growth, face different risks and challenges than their larger counterparts, including a lack of economies of scale and scope and exclusion from “too-big-to-fail” status.  These challenges, coupled with the recent failures, motivate research into potential strategies managers can use to improve performance.  This study examined the relationship between three potential diversification strategies and community bank risk-adjusted performance from 2007 to 2011.  Understanding these relationships could improve management’s decision-making, allowing them to choose risk-mitigating strategies during a severe economic downturn.  Herfindahl-Hirschman Indexes (HHIs were calculated as proxies for geographic, activity, and asset diversification.  Multiple regression models for each of the five years were used to calculate the impact of diversification variables on risk-adjusted ROA.  The results show that diversification in all areas is directly related to performance; however, only the asset diversification relationship is significant.  To the extent possible for community banks, diversification may improve risk-adjusted performance.

  17. EVOLUTION OF CUSTOMERS’ SEGMENTATION TECHNIQUES IN RETAIL BANKING

    Directory of Open Access Journals (Sweden)

    PASCU ADRIAN IONUT

    2017-11-01

    Full Text Available In the context of a highly competitive market influenced by legislative changes, the technology evolution and the changes of customer’s behavior, traditional banks must be able to provide the services and products expected by customers. The most important method in retail banking by which a bank can interact with as many customers as possible to ensure satisfaction and loyalty is the notion of customers’ segmentation. The current situation from the perspective of customers’ expectations will be brought to your attention, as well as the future situation from the perspective of legislative changes and which are the main variables and techniques that allow us a relevant customers’ segmentation in this context. The challenges and opportunities of the Directive PDS2 (Payment Service Directive [7] will be analyzed, which together with the results of a study carried out by Ernst & Young "The relevance of the challenge: what retail banks must do to remain in the game" [5], make me say that now, more than ever, commercial banks must pay special attention to customer‘ segmentation. The objective of this paper is to present the evolution of the customers’ segmentation process starting from the 50’s – 60’s, when the first segmentation techniques appeared, until now, when because of the large quantities of data, there are used increasingly advanced techniques for extracting and interpreting data.

  18. BUSINESS ETHICS AND ITS IMPORTANCE IN BANKING INDUSTRY

    OpenAIRE

    Amith Menezes

    2016-01-01

    Business ethics is defined as "the process of evaluating decisions, either before or after, with respect to the moral standards of society."Core ethical values include honesty, integrity, fairness, responsible citizenship and accountability. In short, business ethics means "choosing the good over the bad, the right over the wrong, the fair over the unfair, the truth over the lie". Observing the law is one basic professional requirement for banks. They must also pay close attention to moral co...

  19. Big Bear Exploration Ltd. 1998 annual report

    International Nuclear Information System (INIS)

    1999-01-01

    During the first quarter of 1998 Big Bear completed a purchase of additional assets in the Rainbow Lake area of Alberta in which light oil purchase was financed with new equity and bank debt. The business plan was to immediately exploit these light oil assets, the result of which would be increased reserves, production and cash flow. Although drilling results in the first quarter on the Rainbow Lake properties was mixed, oil prices started to free fall and drilling costs were much higher than expected. As a result, the company completed a reduced program which resulted in less incremental loss and cash flow than it budgeted for. On April 29, 1998, Big Bear entered into agreement with Belco Oil and Gas Corp. and Moan Investments Ltd. for the issuance of convertible preferred shares at a gross value of $15,750,000, which shares were eventually converted at 70 cents per share to common equity. As a result of the continued plunge in oil prices, the lending value of the company's assets continued to fall, requiring it to take action in order to meet its financial commitments. Late in the third quarter Big Bear issued equity for proceeds of $11,032,000 which further reduced the company's debt. Although the company has been extremely active in identifying and pursuing acquisition opportunities, it became evident that Belco Oil and Gas Corp. and Big Bear did nor share common criteria for acquisitions, which resulted in the restructuring of their relationship in the fourth quarter. With the future of oil prices in question, Big Bear decided that it would change its focus to that of natural gas and would refocus ts efforts to acquire natural gas assets to fuel its growth. The purchase of Blue Range put Big Bear in a difficult position in terms of the latter's growth. In summary, what started as a difficult year ended in disappointment

  20. The Prospect of Internet of Things and Big Data Analytics in Transportation System

    Science.gov (United States)

    Noori Hussein, Waleed; Kamarudin, L. M.; Hussain, Haider N.; Zakaria, A.; Badlishah Ahmed, R.; Zahri, N. A. H.

    2018-05-01

    Internet of Things (IoT); the new dawn technology that describes how data, people and interconnected physical objects act based on communicated information, and big data analytics have been adopted by diverse domains for varying purposes. Manufacturing, agriculture, banks, oil and gas, healthcare, retail, hospitality, and food services are few of the sectors that have adopted and massively utilized IoT and big data analytics. The transportation industry is also an early adopter, with significant attendant effects on its processes of tracking shipment, freight monitoring, and transparent warehousing. This is recorded in countries like England, Singapore, Portugal, and Germany, while Malaysia is currently assessing the potentials and researching a purpose-driven adoption and implementation. This paper, based on review of related literature, presents a summary of the inherent prospects in adopting IoT and big data analytics in the Malaysia transportation system. Efficient and safe port environment, predictive maintenance and remote management, boundary-less software platform and connected ecosystem, among others, are the inherent benefits in the IoT and big data analytics for the Malaysia transportation system.

  1. The Conundrum of Solving ‘Too Big to Fail’ in the European Union: Supranationalization at Different Speeds

    NARCIS (Netherlands)

    Quaglia, Lucia; Spendzharova, Aneta

    2017-01-01

    In the aftermath of the international financial crisis, the European Union (EU) adopted a series of regulatory reforms concerning capital adequacy, bank structures and resolution in order to tackle the risks created by financial institutions that were ‘too big to fail’. This article demonstrates

  2. Effects of self-service technology on customer value and customer readiness: The case of banking industry

    Directory of Open Access Journals (Sweden)

    Parviz Khadem

    2013-07-01

    Full Text Available The recent development on internet banking has contributed to this industry, significantly. People could do their banking transactions by clicking a bottom and transfer funds, pay bills, etc. In this paper, we present an empirical investigation to find out the effects of different factors on continuous internet banking. The proposed study of this paper has adopted a questionnaire, which was originally developed by Ho and Ko (2008 [Ho, S. H., & Ko, Y. Y. (2008. Effects of self-service technology on customer value and customer readiness: The case of Internet banking. Internet Research, 18(4, 427-446.]. We have used Pearson correlation test as well as stepwise regression techniques to verify the effect of different factors and the results of our survey show that four variables of easy implementation, usefulness, cost reduction and self-control positively influence continuous internet banking.

  3. Hadronic decay of late-decaying particles and big-bang nucleosynthesis

    Energy Technology Data Exchange (ETDEWEB)

    Kawasaki, Masahiro [Research Center for the Early Universe, Graduate School of Science, University of Tokyo, Tokyo 113-0033 (Japan)]. E-mail: masahiro_kawasaki@mac.com; Kohri, Kazunori [Department of Earth and Space Science, Osaka University, Osaka 560-0043 (Japan); Moroi, Takeo [Department of Physics, Tohoku University, Sendai 980-8578 (Japan)

    2005-10-06

    We study the big-bang nucleosynthesis (BBN) scenario with late-decaying exotic particles with lifetime longer than {approx}1 s. With a late-decaying particle in the early universe, predictions of the standard BBN scenario can be significantly altered. Therefore, we derive constraints on its primordial abundance. We pay particular attention to hadronic decay modes of such particles. We see that the non-thermal production process of D, {sup 3}He and {sup 6}Li provides a stringent upper bound on the primordial abundance of late-decaying particles with hadronic branching ratio.

  4. Do we need big banks? Evidence on performance, strategy and market discipline

    NARCIS (Netherlands)

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

    2013-01-01

    For an international sample of banks, we construct measures of a bank’s absolute size and its systemic size defined as size relative to the national economy. We then examine how a bank’s risk and return on equity, its activity mix and funding strategy, and the extent to which it faces market

  5. Do We need Big Banks? Evidence on Performance, Strategy and Market Discipline

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2011-01-01

    For an international sample of banks, we construct measures of a bank’s absolute size and its systemic size defined as size relative to the national economy. We then examine how a bank’s risk and return, its activity mix and funding strategy, and the extent to which it faces market discipline depend

  6. Confirming theoretical pay constructs of a variable pay scheme

    Directory of Open Access Journals (Sweden)

    Sibangilizwe Ncube

    2013-05-01

    Full Text Available Orientation: Return on the investment in variable pay programmes remains controversial because their cost versus contribution cannot be empirically justified. Research purpose: This study validates the findings of the model developed by De Swardt on the factors related to successful variable pay programmes. Motivation for the study: Many organisations blindly implement variable pay programmes without any means to assess the impact these programmes have on the company’s performance. This study was necessary to validate the findings of an existing instrument that validates the contribution of variable pay schemes. Research design, approach and method: The study was conducted using quantitative research. A total of 300 completed questionnaires from a non-purposive sample of 3000 participants in schemes across all South African industries were returned and analysed. Main findings: Using exploratory and confirmatory factor analysis, it was found that the validation instrument developed by De Swardt is still largely valid in evaluating variable pay schemes. The differences between the study and the model were reported. Practical/managerial implications: The study confirmed the robustness of an existing model that enables practitioners to empirically validate the use of variable pay plans. This model assists in the design and implementation of variable pay programmes that meet critical success factors. Contribution/value-add: The study contributed to the development of a measurement instrument that will assess whether a variable pay plan contributes to an organisation’s success.

  7. Mind the gap: financial London and the regional class pay gap.

    Science.gov (United States)

    Friedman, Sam; Laurison, Daniel

    2017-09-01

    The hidden barriers, or 'gender pay gap', preventing women from earning equivalent incomes to men is well documented. Yet recent research has uncovered that, in Britain, there is also a comparable class-origin pay gap in higher professional and managerial occupations. So far this analysis has only been conducted at the national level and it is not known whether there are regional differences within the UK. This paper uses pooled data from the 2014 and 2015 Labour Force Survey (N = 7,534) to stage a more spatially sensitive analysis that examines regional variation in the class pay gap. We find that this 'class ceiling' is not evenly spatially distributed. Instead it is particularly marked in Central London, where those in high-status occupations who are from working-class backgrounds earn, on average, £10,660 less per year than those whose parents were in higher professional and managerial employment. Finally, we inspect the Capital further to reveal that the class pay gap is largest within Central London's banking and finance sector. Challenging policy conceptions of London as the 'engine room' of social mobility, these findings suggest that class disadvantage within high-status occupations is particularly acute in the Capital. The findings also underline the value of investigating regional differences in social mobility, and demonstrate how such analysis can unravel important and previously unrecognized spatial dimensions of class inequality. © London School of Economics and Political Science 2017.

  8. How Big Are "Martin's Big Words"? Thinking Big about the Future.

    Science.gov (United States)

    Gardner, Traci

    "Martin's Big Words: The Life of Dr. Martin Luther King, Jr." tells of King's childhood determination to use "big words" through biographical information and quotations. In this lesson, students in grades 3 to 5 explore information on Dr. King to think about his "big" words, then they write about their own…

  9. BANK SAMPAH SEBAGAI ALTERNATIF STRATEGI PENGELOLAAN SAMPAH BERBASIS MASYARAKAT DI TASIKMALAYA (Bank Sampah (Waste Banks as an Alternative of Community-Based Waste Management Strategy in Tasikmalaya

    Directory of Open Access Journals (Sweden)

    Donna Asteria

    2016-02-01

    management from the source. Bank sampah (the waste bank with participation of women in community are the social capital of community-based waste management. Bank sampah integrated with 4R principles implemented in at Kampung Karangresik, Tasikmalaya, Indonesia. Activity of bank sampah is the concept of dry waste collection and sorting as well as having appropriate management of banking, not the money saved, but trash. Empowerment of citizens through counseling, education, training with the method of participation-emancipatory (interaction and communication, as well as dialogue with the citizens in the community. Besides of that, the necessary of partnerships, networking and institutional cooperation mechanism between the citizens of the waste bank managers with local stakeholders. Bank Sampah Pucuk Resik (BSPR in Kampung Karangresik provides benefits to citizens, especially the direct benefits with reduced waste generation in the community, the environment becomes more clean and beautiful, as well as the economic independence of citizens. In addition to economic benefits from saving litter, citizens earned money to pay for electricity and buy groceries, as well as the realization of environmental health with the condition of environment that is more clean, green, comfortable, and healthy. Integrated waste management can stimulate creativity and innovation so as to improve the welfare of the community.

  10. Big Data, Big Problems: A Healthcare Perspective.

    Science.gov (United States)

    Househ, Mowafa S; Aldosari, Bakheet; Alanazi, Abdullah; Kushniruk, Andre W; Borycki, Elizabeth M

    2017-01-01

    Much has been written on the benefits of big data for healthcare such as improving patient outcomes, public health surveillance, and healthcare policy decisions. Over the past five years, Big Data, and the data sciences field in general, has been hyped as the "Holy Grail" for the healthcare industry promising a more efficient healthcare system with the promise of improved healthcare outcomes. However, more recently, healthcare researchers are exposing the potential and harmful effects Big Data can have on patient care associating it with increased medical costs, patient mortality, and misguided decision making by clinicians and healthcare policy makers. In this paper, we review the current Big Data trends with a specific focus on the inadvertent negative impacts that Big Data could have on healthcare, in general, and specifically, as it relates to patient and clinical care. Our study results show that although Big Data is built up to be as a the "Holy Grail" for healthcare, small data techniques using traditional statistical methods are, in many cases, more accurate and can lead to more improved healthcare outcomes than Big Data methods. In sum, Big Data for healthcare may cause more problems for the healthcare industry than solutions, and in short, when it comes to the use of data in healthcare, "size isn't everything."

  11. Predicting retail banking consumer behaviour using statistics

    Directory of Open Access Journals (Sweden)

    Konstantinos Agaliotis

    2015-04-01

    Full Text Available The рurрοѕe οf any eсοnοmiс-based aсtivitу is the creation of needs. As the financial activities are not an exception to this rule, understanding clients’ necessities and their satisfaction is of primary concern for all financial institutions. Being conversant with the exact details that constitute client behaviour and the processes that lead to particular decisions, has become an advantage for financial institutions investing resources in it. Finally, it will not only pay off by satisfying the clients’ needs, but it will also secure a long-standing loyalty and relationships with them. As all relationships, the one between the client and the bank requires support and mutual understanding. Given the Serbian retail banking market, we may conclude the following: firstly, there is still potential for doing business in this filed; secondly, the particular segments of customers would accept new products; and thirdly, banks have to focus on the highest ranking clients concerning their credit worthiness. As regards the client behaviour over different product offerings, we can conclude that cash loans and credit card holders are not price sensitive, and that subsequently, the existing holders intend to increase their credit exposure.

  12. Big Surveys, Big Data Centres

    Science.gov (United States)

    Schade, D.

    2016-06-01

    Well-designed astronomical surveys are powerful and have consistently been keystones of scientific progress. The Byurakan Surveys using a Schmidt telescope with an objective prism produced a list of about 3000 UV-excess Markarian galaxies but these objects have stimulated an enormous amount of further study and appear in over 16,000 publications. The CFHT Legacy Surveys used a wide-field imager to cover thousands of square degrees and those surveys are mentioned in over 1100 publications since 2002. Both ground and space-based astronomy have been increasing their investments in survey work. Survey instrumentation strives toward fair samples and large sky coverage and therefore strives to produce massive datasets. Thus we are faced with the "big data" problem in astronomy. Survey datasets require specialized approaches to data management. Big data places additional challenging requirements for data management. If the term "big data" is defined as data collections that are too large to move then there are profound implications for the infrastructure that supports big data science. The current model of data centres is obsolete. In the era of big data the central problem is how to create architectures that effectively manage the relationship between data collections, networks, processing capabilities, and software, given the science requirements of the projects that need to be executed. A stand alone data silo cannot support big data science. I'll describe the current efforts of the Canadian community to deal with this situation and our successes and failures. I'll talk about how we are planning in the next decade to try to create a workable and adaptable solution to support big data science.

  13. Recht voor big data, big data voor recht

    NARCIS (Netherlands)

    Lafarre, Anne

    Big data is een niet meer weg te denken fenomeen in onze maatschappij. Het is de hype cycle voorbij en de eerste implementaties van big data-technieken worden uitgevoerd. Maar wat is nu precies big data? Wat houden de vijf V's in die vaak genoemd worden in relatie tot big data? Ter inleiding van

  14. 5 CFR 550.1409 - Inapplicability of premium pay and aggregate pay caps.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Inapplicability of premium pay and aggregate pay caps. 550.1409 Section 550.1409 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL... Inapplicability of premium pay and aggregate pay caps. Accrued compensatory time off under this subpart is not...

  15. Big Data solutions on a small scale: Evaluating accessible high-performance computing for social research

    Directory of Open Access Journals (Sweden)

    Dhiraj Murthy

    2014-11-01

    Full Text Available Though full of promise, Big Data research success is often contingent on access to the newest, most advanced, and often expensive hardware systems and the expertise needed to build and implement such systems. As a result, the accessibility of the growing number of Big Data-capable technology solutions has often been the preserve of business analytics. Pay as you store/process services like Amazon Web Services have opened up possibilities for smaller scale Big Data projects. There is high demand for this type of research in the digital humanities and digital sociology, for example. However, scholars are increasingly finding themselves at a disadvantage as available data sets of interest continue to grow in size and complexity. Without a large amount of funding or the ability to form interdisciplinary partnerships, only a select few find themselves in the position to successfully engage Big Data. This article identifies several notable and popular Big Data technologies typically implemented using large and extremely powerful cloud-based systems and investigates the feasibility and utility of development of Big Data analytics systems implemented using low-cost commodity hardware in basic and easily maintainable configurations for use within academic social research. Through our investigation and experimental case study (in the growing field of social Twitter analytics, we found that not only are solutions like Cloudera’s Hadoop feasible, but that they can also enable robust, deep, and fruitful research outcomes in a variety of use-case scenarios across the disciplines.

  16. Merit pay: the Federal Government's pay-for-performance experience.

    OpenAIRE

    Holliman, Sherry Diane.

    1983-01-01

    Approved for public release; distribution is unlimited For many years, businesses in private industry have been utilizing and experimenting with various forms of performance-based pay. These innovations have been part of a continuing search by organizations for better approaches to administering pay. With the passing of the Civil Service Reform Act of 1978, the Federal Government began its form of this concept entitled, 'Merit Pay'. Although many studies have examined uses in the areas of ...

  17. Strong performance. Healthcare executives reaped big rewards in 2010, with returning hospital CEOs seeing a 58.2% gain in compensation.

    Science.gov (United States)

    Galloro, Vince

    2011-08-15

    Healthcare CEOs saw their compensation slip relative to other industries but still earned big paydays last year. "2010 was a great year for corporate earnings and stock performance," says Steve Kaplan, left, a professor of finance and entrepreneurship. "Part of the reason for the increase in pay is that the CEOs delivered in 2010."

  18. ANALYSIS OF THE DEVELOPMENT DIRECTIONS OF THE BANKING SECTOR THROUGH THE MANAGEMENT OF IT PROJECTS

    Directory of Open Access Journals (Sweden)

    Віктор Володимирович МОРОЗОВ

    2017-03-01

    Full Text Available In this article, the causes and consequences of IT projects’ budgets reformatting in banking organizations are investigated. Analysis and parallels in approaches of choosing IT projects to be implemented in foreign and Ukrainian financial institutions are being conducted. This significantly affects not only the results of investigation and selection of IT projects but also on the development of such organizations in general. The analysis shows that on the background of global GDP decrease, banks around the world are increasing their IT investments, but investments in IT projects are heavily redistributed towards digital transformation. Nevertheless, IT projects are a major driver of banking business development, so their number is rapidly growing every day in the fields of big data analytics, virtualization and cloud computing, mobility, scoring, target marketing, IT infrastructure etc. The authors draw conclusions about trends in implementation of IT projects and their impact on the development of the banking business sector.

  19. Unions and the Sword of Justice: Unions and Pay Systems, Pay Inequality, Pay Discrimination and Low Pay

    OpenAIRE

    A Charlwood; K Hansen; David Metcalf

    2000-01-01

    Dispersion in pay is lower among union members than among non-unionists. This reflects two factors. First, union members and jobs are more homogeneous than their non-union counterparts. Second, union wage policies within and across firms lower pay dispersion. Unions'' minimum wage targets also truncate the lower tail of the union distribution. There are two major consequences of these egalitarian union wage policies. First, the return to human capital is lower in firms which recognise unions ...

  20. Credit Risk Determinants in the Vulnerable Economies of Europe: Evidence from the Spanish Banking System

    Directory of Open Access Journals (Sweden)

    Gila-Gourgoura, E.

    2017-03-01

    Full Text Available Purpose: The purpose of this paper is to investigate the determinants of non-performing loans in the Spanish banking system over the period 1997Q4–2015Q3. This timeframe includes not only the booming period for the Spanish economy but also an extended post-crises interval which is missing from other studies for Spain. Design/methodology/approach: Using quarterly data from the Central Bank of Spain and from the European Central Bank, the paper employs the ARDL approach to cointegration to identify the existence of a long or short-run relationship between NPLs and a set of macroeconomic, bank-related and country-specific indicators. Findings: Findings from the ARDL model indicate that macroeconomic, bank-specific variables and interest rates are important determinants of non-performing loans in the Spanish banking system. Specifically, the real GDP, the Spanish long-term government bond yield, the return on equity, the total credit granted by the Spanish banks and their capital to assets ratio, explain credit risk in Spain both in the short and the long run. Research limitations/implications: Data on the bank-specific variables are for the whole banking industry, and not for individual banks. If such data were available, a comparison of the credit risk determinants between small/ big banks, private/public or domestic/foreign could be possibly made. Originality/value: These findings provide useful evidence to bank managers and policymakers in dealing with loans' defaults in Spain and in undertaking crucial reforms to stabilize the economy.

  1. Creative Accounting Model for Increasing Banking Industries’ Competitive Advantage in Indonesia

    Directory of Open Access Journals (Sweden)

    Supriyati

    2015-12-01

    Full Text Available Bank Indonesia demands that the national banks should improve their transparency of financial condition and performance for public in line with the development of their products and activities. Furthermore, the banks’ financial statements of Bank Indonesia have become the basis for determining the status of their soundness. In fact, they tend to practice earnings management in order that they can meet the crite-ria required by Bank Indonesia. For internal purposes, the initiative of earning management has a positive impact on the performance of management. However, for the users of financial statements, it may dif-fer, for example for the value of company, length of time the financial audit, and other aspects of tax evasion by the banks. This study tries to find out 1 the effect of GCG on Earnings Management, 2 the effect of earning management on Company value, theAudit Report Lag, and Taxation, and 3 the effect of Audit Report Lag on Corporate Value and Taxation. This is a quantitative research with the data collected from the bank financial statements, GCG implementation report, and the banks’ annual reports of 2003-2013. There were 41 banks taken using purposive sampling, as listed on the Indonesia Stock Exchange. The results showed that the implementation of GCG affects the occurrence of earning management. Accounting policy flexibility through earning management is expected to affect the length of the audit process and the accuracy of the financial statements presentation on public side. This research is expected to provide managerial implications in order to consider the possibility of earnings management practices in the banking industry. In the long term, earning management is expected to improve the banks’ competitiveness through an increase in the value of the company. Explicitly, earning management also affects the tax avoidance; therefore, the banks intend to pay lower taxes without breaking the existing legislation Taxation

  2. CENTRAL BANKS AND FINANCIAL STABILITY - Literature review

    Directory of Open Access Journals (Sweden)

    Adina APÃTÃCHIOAE

    2013-06-01

    Full Text Available Financial stability is a feature of the financial system, reflecting its ability to determine an efficient allocation of the resources and to manage financial risk by its own self-regulating mechanisms. Since the condition of financial systems changes over time, due to various shocks that components suffers, financial stability is a dynamic feature, but the system itself is constantly attempting to recover under the action of specific auto regulatory mechanisms. It is generally accepted that central banks play an important role in ensuring financial stability, there are a number of specific features that can help them achieve financial stability. Recent phenomena such as deregulation, globalization, the intensification of innovation, and so on, have supplemented the functions of central banks and at the same time, led to an intensification of links between banking and other large sectors of the financial system: insurance and financial markets.The objective of this article is to present the different views in the literature on the role of the central bank in ensuring financial stability and the new challenges that she must confront in assuming this new mandate. The role of central banks in ensuring financial stability is in the forefront and should be expanded beyond the traditional functions of stability, which determined that monetary and stability policies to converge. Moreover, due to vulnerabilities manifested by the financial markets in recent decades and that capital flows have become more intense, these vulnerabilities may spread rapidly, increasing the fragility of all markets and, for this reason, ensuring financial stability has become a key objective of public policies. Especially, since the stability of financial systems stimulates economic development and improved living standards, the competent authorities pays a particular attention to these issues

  3. Board affiliation and pay gap

    Directory of Open Access Journals (Sweden)

    Shenglan Chen

    2014-06-01

    Full Text Available This paper examines the effects of board affiliation on the corporate pay gap. Using a sample of Chinese listed firms from 2005 to 2011, we find that boards with a greater presence of directors appointed by block shareholders have lower pay gaps. Furthermore, the governance effects of board affiliation with and without pay are distinguished. The empirical results show that board affiliation without pay is negatively related to the pay gap, while board affiliation with pay is positively related to the pay gap. Overall, the results shed light on how block shareholders affect their companies’ pay gaps through board affiliation.

  4. A study on the mechanism of speculative attack and the defence strategy of the central bank.

    Directory of Open Access Journals (Sweden)

    Chang-Hyun Yun

    1999-09-01

    Full Text Available We first analyze the concrete mechanism of speculative attack on the foreign exchange market which became very prevalent phenomena during the foreign exchange crisis. When the central bank of the domestic country tries to defend the attack by increasing the interest rate, some problems can arise in that the speculative attacks through foreign exchange options market and/or index futures markets can be very successful due to that policy. So the central bank should pay much attention to the microstructure of the financial markets when the defence strategy against speculative attack is determined.

  5. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  6. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  7. Hybrid All-Pay and Winner-Pay Contests

    DEFF Research Database (Denmark)

    Lagerlöf, Johan

    2017-01-01

    In many contests in economic and political life, both all-pay and winner-pay expenditures matter for winning. This paper studies such hybrid contests under symmetry and asymmetry. The symmetric model is very general but still yields a simple closed-form solution. More contestants tend to lead to ...... expenditures. An endogenous bias that maximizes total expenditures disfavors the high-valuation contestant but still makes her the more likely one to win....

  8. BigOP: Generating Comprehensive Big Data Workloads as a Benchmarking Framework

    OpenAIRE

    Zhu, Yuqing; Zhan, Jianfeng; Weng, Chuliang; Nambiar, Raghunath; Zhang, Jinchao; Chen, Xingzhen; Wang, Lei

    2014-01-01

    Big Data is considered proprietary asset of companies, organizations, and even nations. Turning big data into real treasure requires the support of big data systems. A variety of commercial and open source products have been unleashed for big data storage and processing. While big data users are facing the choice of which system best suits their needs, big data system developers are facing the question of how to evaluate their systems with regard to general big data processing needs. System b...

  9. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  10. Fraud Detection in Credit Card Transactions; Using Parallel Processing of Anomalies in Big Data

    Directory of Open Access Journals (Sweden)

    Mohammad Reza Taghva

    2016-10-01

    Full Text Available In parallel to the increasing use of electronic cards, especially in the banking industry, the volume of transactions using these cards has grown rapidly. Moreover, the financial nature of these cards has led to the desirability of fraud in this area. The present study with Map Reduce approach and parallel processing, applied the Kohonen neural network model to detect abnormalities in bank card transactions. For this purpose, firstly it was proposed to classify all transactions into the fraudulent and legal which showed better performance compared with other methods. In the next step, we transformed the Kohonen model into the form of parallel task which demonstrated appropriate performance in terms of time; as expected to be well implemented in transactions with Big Data assumptions.

  11. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

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

    2017-01-01

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

  12. How Big Is Too Big?

    Science.gov (United States)

    Cibes, Margaret; Greenwood, James

    2016-01-01

    Media Clips appears in every issue of Mathematics Teacher, offering readers contemporary, authentic applications of quantitative reasoning based on print or electronic media. This issue features "How Big is Too Big?" (Margaret Cibes and James Greenwood) in which students are asked to analyze the data and tables provided and answer a…

  13. Corporate social responsibility and financial performance: Fact or fiction? A look at Ghanaian banks

    Directory of Open Access Journals (Sweden)

    Daniel F. Ofori

    2014-02-01

    Research purpose: This article examined the impact of corporate social responsibility on financial performance using empirical evidence from the Ghanaian banking sector. Motivation for the study: Although corporate social responsibility is a hot topic in Ghana and banks do practise it, no detailed study has been conducted to ascertain whether banks derive any benefits therefrom. Research design, approach and method: A sample size of 22 banks was involved. A structured questionnaire was used to obtain primary data whilst archival records were used to gather the secondary data. Main findings: The findings revealed that banks in Ghana view corporate social responsibility practices to be a strategic tool; banks are motivated to practise corporate social responsibility by legitimate reasons as much as they are motivated by profitability and sustainability reasons. Also, although there is a positive relationship between corporate social responsibility practices and financial performance, the financial performance of banks in Ghana does not depend significantly on their corporate social responsibility practices but rather on other control variables, such as growth, origin, debt ratio, and size. Practical implications: Properly adopted and implemented, corporate social responsibility can pay its way by contributing toward firm performance. Contribution: There is a positive but currently insignificant relationship between corporate social responsibility and financial performance amongst Ghanaian banks. However, given the numerous benefits of corporate social responsibility, it is recommended that firms continue to give priority to this practice.

  14. Behind the Pay Gap

    Science.gov (United States)

    Dey, Judy Goldberg; Hill, Catherine

    2007-01-01

    Women have made remarkable gains in education during the past three decades, yet these achievements have resulted in only modest improvements in pay equity. The gender pay gap has become a fixture of the U.S. workplace and is so ubiquitous that many simply view it as normal. "Behind the Pay Gap" examines the gender pay gap for college graduates.…

  15. 5 CFR 9901.212 - Pay schedules and pay bands.

    Science.gov (United States)

    2010-01-01

    ... Section 9901.212 Administrative Personnel DEPARTMENT OF DEFENSE HUMAN RESOURCES MANAGEMENT AND LABOR RELATIONS SYSTEMS (DEPARTMENT OF DEFENSE-OFFICE OF PERSONNEL MANAGEMENT) DEPARTMENT OF DEFENSE NATIONAL... Secretary may establish one or more pay schedules within each career group. (b) Each pay schedule may...

  16. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

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

  17. 12 CFR 225.103 - Bank holding company acquiring stock by dividends, stock splits or exercise of rights.

    Science.gov (United States)

    2010-01-01

    ... stockholder's proportional interest in the issuing company or any increase in the assets of that company. Such... bank. The holding company would voluntarily pay additional funds for the extra shares and would... rights would cause the assets of the issuing company to be increased and in a sense, therefore, the “size...

  18. Big Data in Transport Geography

    DEFF Research Database (Denmark)

    Reinau, Kristian Hegner; Agerholm, Niels; Lahrmann, Harry Spaabæk

    for studies that explicitly compare the quality of this new type of data to traditional data sources. With the current focus on Big Data in the transport field, public transport planners are increasingly looking towards smart card data to analyze and optimize flows of passengers. However, in many cases...... it is not all public transport passengers in a city, region or country with a smart card system that uses the system, and in such cases, it is important to know what biases smart card data has in relation to giving a complete view upon passenger flows. This paper therefore analyses the quality and biases...... of smart card data in Denmark, where public transport passengers may use a smart card, may pay with cash for individual trips or may hold a season ticket for a certain route. By analyzing smart card data collected in Denmark in relation to data on sales of cash tickets, sales of season tickets, manual...

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

  20. IMPACT OF THE GLOBAL FINANCIAL CRISIS ON THE CREDIT RISK MANAGEMENT IN A BANK

    Directory of Open Access Journals (Sweden)

    Jerzy Piotr Gwizdała

    2016-06-01

    Full Text Available The main purpose of this article is to present the role of risk in the activity of a commercial bank with particular reference to the global financial crisis. The introductory part presents the origins of economic crises, especially the contemporary crisis from 2007-2010, which began in the United States subprime mortgage market. Dating back to the 1831, considerations allow to undetstand the causes of the crises. Then the impact of the global financial crisis on the scale of the crediting activities of banks in Poland was analyzed, presenting a credit portfolio structure, with a particular focus on the structure of loans to households and enterprises. In the second part of the article the process of credit risk management was discussed, paying attention to the crucial role of the bank's credit policy, and the conditions and prospects of commercial bank credit activity development were specified. It presents also the criteria for the proper credit management, indicating as the optimal solution the development of the so-called „credit textbook”.

  1. Specific features of domestic banks activity in the factoring services market

    Directory of Open Access Journals (Sweden)

    Trygub Olena V.

    2014-01-01

    Full Text Available The article analyses specific features of formation and development of the domestic factoring market. In the result of the study the article establishes that development of factoring in Ukraine took place due to active participation of banking institutions in this process and nowadays they are leaders in the domestic factoring services market due to possessing significant competitive advantages if compared with non-banking companies that specialise in factoring. The article detects that nowadays the banks are not only offerers of factoring services and finance factoring operations of other market participants, but also take an active part in establishment of factoring branches and are consumers of factoring services. In order to accelerate development of international factoring in Ukraine, the article offers such forms of state support of banks, which render factoring services to domestic exporters. The article recommends to focus banks’ attention, under modern conditions that are characterised with volatility of financial markets, on factoring servicing of those clients, whom they have long business relations with, without jeopardising themselves through provision of factoring services to a big number of small debtors. The article provides schemes of banks’ co-operation in the sphere of “non-classic” factoring with accredited factoring companies.

  2. Penilaian Kinerja PT Bank X dalam Mengelola Asset dan Kewajiban Berdasarkan Analisis Resiko dan Analisis Return

    Directory of Open Access Journals (Sweden)

    Muhammad Yusuf

    2010-05-01

    Full Text Available Performance financial evaluation became a primary indicator for management, especially a bank. This research evaluated asset and liability management of PT Bank X to describe its risk and return, by using financial ratios. The results found that performance ratios of PT Bank X decreasingly, where interest margin and net margin decreased to negative. This because of interest expenses and other operational expenses increased. Risk evaluation based on liquidity ratio were also decreasing in 2006 – 2007, because of the most assets of the bank became illiquid assest and default credits. On the other hand, this conditions became worse because of “Rush”, many of their customers took their money out from the bank on the same period. In 2008, bank has reduced their default credits succesively and made its liquiditiy better than previous year. Bad quality of credit management and control made the bank budgets their bad allowances for default credits higher and made bank’s capital risk higher too. Finally, all of bank’s capital was financed with their liabilities. The other hand, bank’s operating risk were recovered slowly, by organzation rationalization to reduce number of employees, as efficiency also. But this effort, indeed, made employee expenses increasing because management must pay golden-shake hand costs to employees. 

  3. Adapting Nonprofit Resources to New Social Demands: The Food Banks in Spain

    Directory of Open Access Journals (Sweden)

    Jorge Coque

    2017-04-01

    Full Text Available Food banks make up an increasing phenomenon of nonprofit organizations answering to new social needs related to the global socioeconomic crisis. In order to explore if they are suitably adapting to their environments in Spain, one of the countries most seriously affected by the crisis in South Europe, this work assumes a hybrid qualitative–quantitative structure composed of an exploratory case study based on semi-structured interviews followed by a survey addressed to all the Spanish food banks. Much of the academic literature has concerned the appropriateness of food banks as a delivery mechanism in the context of welfare state withdrawal. This paper takes this in a different direction by examining Spanish food banks from an organizational management point of view. Wary of concerns about the institutionalization of food charity, on the one hand, and recognizing the escalating daily reliance on food banks, on the other, this paper seeks to address potential technical supply problems and challenges food banks face and open debate about the organizational networks of food banks more generally. The results show nonprofit entities based on a voluntary workforce who run supply chains in order to join both social and business targets. Their situation, performance, resources, mutual relationships and the links with other entities are described, paying special attention to the changes induced by the latest contextual changes. In short, food banks are efficiently organized and well established in their territories as a coherent social movement, although they should improve in their strategic view, coordination, resources and sources of these, to satisfy more adequately their increasingly complex demands.

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  5. Antisipasi Pelarian Dana Asing ke Luar Negeri Melalui Perlindungan Kontraktual Pembukaan Rahasia Bank

    Directory of Open Access Journals (Sweden)

    Tarsisius Murwaji

    2015-08-01

    invest in other countries’ bank. The creditors, and even Indonesian’s banks costumers, have potential to transfer their money to the banks outside Indonesia. As a result, the fund stored in Indonesian Banks such as saving, deposit, or bond might runagate to the banks in other ASEAN countries. Big investors who think that they lack legal protection will prefer to put their investments in escrow account in banks outside Indonesia, while the position of the Bank of Indonesia’s will only be as executor or project payer. Thus, the Directorate General of Regulation, the Bank of Indonesia, and Indonesia’s Financial Service Authority must take quick action for the harmonization of bank secrecy unveiling regulation to anticipate the realization of AEC. This harmonization should not amend the nature of the bank secrecy regulation from criminal to civil law, but through contractual protection under Bank of Indonesia regulation to redesign the mechanism of bank secrecy unveiling.

  6. Triodos Bank - mission-driven success pays off : from Dutch enfant terrible to European business leader

    NARCIS (Netherlands)

    de Graaf, Frank Jan

    2012-01-01

    The story of Triodos Bank over the last 20 years reads as a success story. It is also a story about how principles are guiding business. However, principles need a pragmatic approach in order to be successful. Over the past 30 years the bank’s management has succeeded in balancing a clear focus to

  7. Who pays for cooperation in global health? A comparative analysis of WHO, the World Bank, the Global Fund to Fight HIV/AIDS, Tuberculosis and Malaria, and Gavi, the Vaccine Alliance.

    Science.gov (United States)

    Clinton, Chelsea; Sridhar, Devi

    2017-07-15

    In this report we assess who pays for cooperation in global health through an analysis of the financial flows of WHO, the World Bank, the Global Fund to Fight HIV/AIDS, TB and Malaria, and Gavi, the Vaccine Alliance. The past few decades have seen the consolidation of influence in the disproportionate roles the USA, UK, and the Bill & Melinda Gates Foundation have had in financing three of these four institutions. Current financing flows in all four case study institutions allow donors to finance and deliver assistance in ways that they can more closely control and monitor at every stage. We highlight three major trends in global health governance more broadly that relate to this development: towards more discretionary funding and away from core or longer-term funding; towards defined multi-stakeholder governance and away from traditional government-centred representation and decision-making; and towards narrower mandates or problem-focused vertical initiatives and away from broader systemic goals. Copyright © 2017 Elsevier Ltd. All rights reserved.

  8. DIVERSITAS TIM MANAJEMEN PUNCAK, KEKOMPREHENSIFAN PENGAMBILAN KEPUTUSAN, INTEGRASI SOSIAL DAN KINERJA PERUSAHAAN: STUDI PADA BANK PERKREDITAN RAKYAT

    Directory of Open Access Journals (Sweden)

    Arief Prima Johan

    2014-07-01

    Full Text Available AbstractAlthough research on diversity management team had been widely conducted, previous research defined diversity in many different ways and many studies focused their research on top management team of big companies and big industries. This study examined the influence of several type of diversity of top management team on decision-making comprehensiveness and social integration, and tests these last two variables on performance. Using data Rural Banks (banking industry, the results showed that several variables of diversity of top management team affect decision-making comprehensiveness and social integration. The study also confirmed that the company's performance is affected by decision-making comprehensiveness and social integration.Keywords:Team Management, Diversity, Decision-Making Comprehensiveness, Social Integration, Performance.AbstrakMeskipun penelitian mengenai diversitas tim manajemen sudah banyak dilakukan, tetapi penelitian yang lalu mendefinisikan diversitas dengan cara yang berbeda-beda dan banyak berfokus pada tim manajemen puncak perusahaan besar dan industri besar. Penelitian ini menguji pengaruh variable-variabel diversitas tim manajemen puncak perusahaan terhadap kekomprehensifan pengambilan keputusan dan integrasi sosial, serta menguji dua variable terakhir ini pada kinerja. Dengan menggunakan data Bank Perkreditan Rakyat (industri perbankan, hasil penelitian memperlihatkan bahwa beberapa variable diversitas manajemen puncak mempengaruhi kekomprehensifan pengambilan keputusan dan integrasi sosial.Penelitian juga mengkonfirmasi bahwa kinerja perusahaan dipengaruhi oleh kekomprehensifan pengambilan keputusan dan integrasi sosial.Kata Kunci:Tim Manajemen Puncak, Diversitas, Kekomprehensifan, Pengambilan Keputusan, Integrasi Sosial, Kinerja Perusahaan.

  9. 4 CFR 5.1 - Pay.

    Science.gov (United States)

    2010-01-01

    ... 4 Accounts 1 2010-01-01 2010-01-01 false Pay. 5.1 Section 5.1 Accounts GOVERNMENT ACCOUNTABILITY OFFICE PERSONNEL SYSTEM COMPENSATION § 5.1 Pay. (a) Pay principles. Pay of the employees of GAO shall be fixed by the Comptroller General consistent with the principles that— (1) There be equal pay for work of...

  10. Nursing Needs Big Data and Big Data Needs Nursing.

    Science.gov (United States)

    Brennan, Patricia Flatley; Bakken, Suzanne

    2015-09-01

    Contemporary big data initiatives in health care will benefit from greater integration with nursing science and nursing practice; in turn, nursing science and nursing practice has much to gain from the data science initiatives. Big data arises secondary to scholarly inquiry (e.g., -omics) and everyday observations like cardiac flow sensors or Twitter feeds. Data science methods that are emerging ensure that these data be leveraged to improve patient care. Big data encompasses data that exceed human comprehension, that exist at a volume unmanageable by standard computer systems, that arrive at a velocity not under the control of the investigator and possess a level of imprecision not found in traditional inquiry. Data science methods are emerging to manage and gain insights from big data. The primary methods included investigation of emerging federal big data initiatives, and exploration of exemplars from nursing informatics research to benchmark where nursing is already poised to participate in the big data revolution. We provide observations and reflections on experiences in the emerging big data initiatives. Existing approaches to large data set analysis provide a necessary but not sufficient foundation for nursing to participate in the big data revolution. Nursing's Social Policy Statement guides a principled, ethical perspective on big data and data science. There are implications for basic and advanced practice clinical nurses in practice, for the nurse scientist who collaborates with data scientists, and for the nurse data scientist. Big data and data science has the potential to provide greater richness in understanding patient phenomena and in tailoring interventional strategies that are personalized to the patient. © 2015 Sigma Theta Tau International.

  11. BIG Data - BIG Gains? Understanding the Link Between Big Data Analytics and Innovation

    OpenAIRE

    Niebel, Thomas; Rasel, Fabienne; Viete, Steffen

    2017-01-01

    This paper analyzes the relationship between firms’ use of big data analytics and their innovative performance for product innovations. Since big data technologies provide new data information practices, they create new decision-making possibilities, which firms can use to realize innovations. Applying German firm-level data we find suggestive evidence that big data analytics matters for the likelihood of becoming a product innovator as well as the market success of the firms’ product innovat...

  12. Networking for big data

    CERN Document Server

    Yu, Shui; Misic, Jelena; Shen, Xuemin (Sherman)

    2015-01-01

    Networking for Big Data supplies an unprecedented look at cutting-edge research on the networking and communication aspects of Big Data. Starting with a comprehensive introduction to Big Data and its networking issues, it offers deep technical coverage of both theory and applications.The book is divided into four sections: introduction to Big Data, networking theory and design for Big Data, networking security for Big Data, and platforms and systems for Big Data applications. Focusing on key networking issues in Big Data, the book explains network design and implementation for Big Data. It exa

  13. Global fluctuation spectra in big-crunch-big-bang string vacua

    International Nuclear Information System (INIS)

    Craps, Ben; Ovrut, Burt A.

    2004-01-01

    We study big-crunch-big-bang cosmologies that correspond to exact world-sheet superconformal field theories of type II strings. The string theory spacetime contains a big crunch and a big bang cosmology, as well as additional 'whisker' asymptotic and intermediate regions. Within the context of free string theory, we compute, unambiguously, the scalar fluctuation spectrum in all regions of spacetime. Generically, the big crunch fluctuation spectrum is altered while passing through the bounce singularity. The change in the spectrum is characterized by a function Δ, which is momentum and time dependent. We compute Δ explicitly and demonstrate that it arises from the whisker regions. The whiskers are also shown to lead to 'entanglement' entropy in the big bang region. Finally, in the Milne orbifold limit of our superconformal vacua, we show that Δ→1 and, hence, the fluctuation spectrum is unaltered by the big-crunch-big-bang singularity. We comment on, but do not attempt to resolve, subtleties related to gravitational back reaction and light winding modes when interactions are taken into account

  14. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

  15. Gender Differences in Pay

    OpenAIRE

    Francine D. Blau; Lawrence M. Kahn

    2000-01-01

    We consider the gender pay gap in the United States. Both gender-specific factors, including gender differences in qualifications and discrimination, and overall wage structure, the rewards for skills and employment in particular sectors, importantly influence the gender pay gap. Declining gender differentials in the U.S., and the more rapid closing of the gender pay gap in the U.S. than elsewhere, appear to be primarily due to gender-specific factors. However, the relatively large gender pay...

  16. Marine Corps Pay Incentives

    Science.gov (United States)

    Marines from 2000 to 2017. The thesis includes a literature review on economic theory related to pay incentives in the Department of Defense, a...The purpose of this thesis to provide the Marine Corps with a comprehensive report on pay incentive programs and special pay that were available to...summarization of pay incentive categories, a data analysis on take-up rates and average annual amounts at the end of each fiscal year, and a program review

  17. PENGARUH MEKANISME SCREENING, PEMBERIAN INSENTIF DAN HUBUNGAN SOSIAL BANK DENGAN NASABAH DALAM MENGURANGI MASALAH AGENCY KREDIT PADA BANK PERKREDITAN RAKYAT DI INDONESIA

    Directory of Open Access Journals (Sweden)

    R. Agus Basuki

    2015-11-01

    Full Text Available AbstractThe aims of this study are to examine (1 the performance of credit customer attribute screening, (2 the performance of credit project attribute screening, (3 the performance of incentive giving in form of credit payment motivation, (4 the performance of giving program in form of credit facility, (5 Bank social relationship program through customers, (6 the impact of credit customer attribute screening, project attribute, credit payment motivation, lending credit facility, and Bank social relationship program through customers in decreasing credit agency problem at BPR in Indonesia. The sample determinations were conducted by using simple random sampling technique. It means that samples were taken from the population of BPR credit customers randomly and all population members were given the chance to be a sample. The totals of samples were 142. Data were analyzed by using regression analysis technique. The result of this analysis shows that: first, the research variable which can affect the decreasing number of credit agency in BPR in this research is the variable of motivation program to pay credit in form of giving reward to the customers who paid on time and variable of lending facility program in form of giving the low interest for the next credit. Second, the research variable which does not affect to the decreasing number of agency problem is variable of credit project attribute screening in form of customer’s guarantee. Variable of credit customers attribute screening in form of his guarantee and variable of Bank social relationship program through customers in form of reminding through telephone to pay installment. Third, there is significance affect of project attribute screening, credit customers attribute screening, lending facility program and Bank social relationship program through customers in decreasing credit agency problem in BPR in Indonesia.Keywords: credit agency, incentive, screening mechanism, social relationship

  18. Big Argumentation?

    Directory of Open Access Journals (Sweden)

    Daniel Faltesek

    2013-08-01

    Full Text Available Big Data is nothing new. Public concern regarding the mass diffusion of data has appeared repeatedly with computing innovations, in the formation before Big Data it was most recently referred to as the information explosion. In this essay, I argue that the appeal of Big Data is not a function of computational power, but of a synergistic relationship between aesthetic order and a politics evacuated of a meaningful public deliberation. Understanding, and challenging, Big Data requires an attention to the aesthetics of data visualization and the ways in which those aesthetics would seem to depoliticize information. The conclusion proposes an alternative argumentative aesthetic as the appropriate response to the depoliticization posed by the popular imaginary of Big Data.

  19. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    OpenAIRE

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

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

  20. Issues concerning Development of Consumer Credit Business in China’s Agricultural Bank

    Institute of Scientific and Technical Information of China (English)

    2012-01-01

    This article introduces the status quo of consumer credit business in China’s agricultural bank,indicating that the scale of China’s consumer credit business is expanded year by year;the growth of consumer credit business slows down;housing loans grow rapidly.We analyze issues concerning development of consumer credit business in agricultural bank as follows:single variety of consumer credit business makes the operating scope narrow;the formality of consumer credit business is trivial,abating consumers’ will to borrow;consumers’ consumer attitudes are stale,yet to be further changed;the loan interest of consumer credit is beyond the majority of consumers’ actual ability to pay;the existing regulations and systems are not sound;the risk prevention mechanism is not perfect.Based on this,we put forward the following countermeasures and proposals for further improving consumer credit business in China’s agricultural bank:first,formulate reasonable marketing strategy of consumer credit business;second,establish and improve the internal management mechanism;third,establish and improve risk assessment system;fourth,improve consumer credit legal system.

  1. Conference | The Big Bang and the interfaces of knowledge: towards a common understanding of Truth? | 25 June

    CERN Document Server

    2014-01-01

    You are cordially invited to attend the concluding open session of the conference The Big Bang and the interfaces of knowledge: towards a common understanding of Truth?    Wednesday 25 June at 14.30 in the Main Auditorium Please register by Tuesday 24 June at: https://indico.cern.ch/event/325739/ In 2012, CERN and Wilton Park hosted the pioneering international conference “The Big Bank and the interfaces of knowledge: towards a common language?” The purpose of this conference was to enable scientists from a range of disciplines to dialogue with philosophers and theologians from the world religions about the nature of the Big Bang. What understandings might scientists and theologians share in common? How are their paradigms shaped and developed? Is it possible to develop a common framework or language. The conference gained global attention. A follow-up conference will be held on 23-25 June 2014 with the purpose of widening the spectrum of...

  2. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  3. L'attività internazionale delle banche italiane: una sintesi degli ultimi dieci anni (The International Activity of Italian Banks: A Synthesis of the Last Ten Years

    Directory of Open Access Journals (Sweden)

    Riccardo De Bonis

    2000-12-01

    Full Text Available This paper examines the developments of the Italian banking system during the Nineties from two related points of view: net external position and degree of internationalisation, i.e. branches and subsidiaries abroad. These themes seem particularly interesting in the light of the widespread belief that the euro area will significantly increase banking competition and cross-border operations in coming years. We find two major forces driving banks' external net position: the growth in loans to domestic borrowers and the convergence in interest rate levels across European countries. The development of foreign branches and subsidiaries has been influenced by two counterbalancing forces; the big banking groups reduced their presence abroad while some medium-sized banks opened their first branches; the focus of foreign branches and subsidiaries has been on specific segments of banking activities, very often exploiting "localization" advantages. Despite the improvement in the Nineties, Italian banks have tended to show a relatively low degree of internationalisation compared with the main European banking system.

  4. 28 CFR 345.51 - Inmate pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Inmate pay. 345.51 Section 345.51... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.51 Inmate pay. (a) Grade levels. Inmate workers in FPI locations receive pay at five levels ranging from 5th grade pay (lowest) to 1st grade pay...

  5. 20 CFR 404.1242 - Back pay.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Back pay. 404.1242 Section 404.1242 Employees... Prior to 1987 § 404.1242 Back pay. (a) Back pay defined. Back pay is pay received in one period of time... an employer. It includes pay made under Federal or State laws intended to create an employment...

  6. 3 CFR - Pay Freeze

    Science.gov (United States)

    2010-01-01

    ... 3 The President 1 2010-01-01 2010-01-01 false Pay Freeze Presidential Documents Other Presidential Documents Memorandum of January 21, 2009 Pay Freeze Memorandum for the Assistant to the President and Chief... the White House staff forgo pay increases until further notice. Accordingly, as a signal of our shared...

  7. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

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

  8. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  9. 5 CFR 359.705 - Pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Pay. 359.705 Section 359.705... EXECUTIVE SERVICE; GUARANTEED PLACEMENT IN OTHER PERSONNEL SYSTEMS Guaranteed Placement § 359.705 Pay. (a...) is entitled to receive basic pay at the highest of— (1) The rate of basic pay in effect for the...

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

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

    OpenAIRE

    Ross Levine

    2003-01-01

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

  12. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  13. Big data

    DEFF Research Database (Denmark)

    Madsen, Anders Koed; Flyverbom, Mikkel; Hilbert, Martin

    2016-01-01

    is to outline a research agenda that can be used to raise a broader set of sociological and practice-oriented questions about the increasing datafication of international relations and politics. First, it proposes a way of conceptualizing big data that is broad enough to open fruitful investigations......The claim that big data can revolutionize strategy and governance in the context of international relations is increasingly hard to ignore. Scholars of international political sociology have mainly discussed this development through the themes of security and surveillance. The aim of this paper...... into the emerging use of big data in these contexts. This conceptualization includes the identification of three moments contained in any big data practice. Second, it suggests a research agenda built around a set of subthemes that each deserve dedicated scrutiny when studying the interplay between big data...

  14. Bank loan loss provisions research: A review

    Directory of Open Access Journals (Sweden)

    Peterson K. Ozili

    2017-09-01

    Full Text Available We review the recent academic and policy literature on bank loan loss provisioning. Among other things, we observe that there exist some interaction between LLPs and existing prudential, accounting, institutional, cultural, religious, tax and fiscal frameworks which differ across countries; and we find that managerial discretion in provisioning is strongly linked to income smoothing, capital management, signalling, tax management and other objectives. We also address several issues including the ethical dimensions of income smoothing, factors influencing income smoothing, methodological issues in LLP modelling and the dynamic loan loss provisioning experiment; which opens up several avenues for further research such as: finding a balance between sufficient LLPs which regulators want versus transparent LLPs which standard setters want; the sensitivity of abnormal LLPs to changes in equity; the persistence of abnormal LLPs following CEO exit; country-specific interventions that induce LLP procyclicality in emerging countries; the impact of Basel III on banks' provisioning discretion; LLP behaviour among systemic and non-systemic financial institutions; etc. We conclude that regulators need to pay attention to how much discretion lending institutions should have in determining reported provision estimates, and this has been a long standing issue.

  15. Value-Added Merit Pay.

    Science.gov (United States)

    Twomey, Daniel F.

    The purpose of merit pay is to reward employees for their accomplishments and motivate them to continue improving. Critics of merit pay say the increased extrinsic motivation that it prompts is more than offset by the decrease in intrinsic motivation. Supporters of performance-based pay claim several benefits of the practice. This study addressed…

  16. Big data computing

    CERN Document Server

    Akerkar, Rajendra

    2013-01-01

    Due to market forces and technological evolution, Big Data computing is developing at an increasing rate. A wide variety of novel approaches and tools have emerged to tackle the challenges of Big Data, creating both more opportunities and more challenges for students and professionals in the field of data computation and analysis. Presenting a mix of industry cases and theory, Big Data Computing discusses the technical and practical issues related to Big Data in intelligent information management. Emphasizing the adoption and diffusion of Big Data tools and technologies in industry, the book i

  17. From big bang to big crunch and beyond

    International Nuclear Information System (INIS)

    Elitzur, Shmuel; Rabinovici, Eliezer; Giveon, Amit; Kutasov, David

    2002-01-01

    We study a quotient Conformal Field Theory, which describes a 3+1 dimensional cosmological spacetime. Part of this spacetime is the Nappi-Witten (NW) universe, which starts at a 'big bang' singularity, expands and then contracts to a 'big crunch' singularity at a finite time. The gauged WZW model contains a number of copies of the NW spacetime, with each copy connected to the preceding one and to the next one at the respective big bang/big crunch singularities. The sequence of NW spacetimes is further connected at the singularities to a series of non-compact static regions with closed timelike curves. These regions contain boundaries, on which the observables of the theory live. This suggests a holographic interpretation of the physics. (author)

  18. BIG data - BIG gains? Empirical evidence on the link between big data analytics and innovation

    OpenAIRE

    Niebel, Thomas; Rasel, Fabienne; Viete, Steffen

    2017-01-01

    This paper analyzes the relationship between firms’ use of big data analytics and their innovative performance in terms of product innovations. Since big data technologies provide new data information practices, they create novel decision-making possibilities, which are widely believed to support firms’ innovation process. Applying German firm-level data within a knowledge production function framework we find suggestive evidence that big data analytics is a relevant determinant for the likel...

  19. KEPRIBADIAN MEREK DAN IKATAN EMOSIONAL MEREK TERHADAP LOYALITAS MEREK TABUNGAN BANK UMUM SYARIAH

    Directory of Open Access Journals (Sweden)

    Sri Wahyuni

    2017-03-01

    Full Text Available Creating emotional brand attachment is a key branding issue in today’s marketing world. One way to accomplishthis is to match the consumer’s self with brand’s personality and the consumer’s loyalty. This studyexamines the influence of brand personality, brand attachment toward brand loyalty in sharia banking inIndonesia. This quantitative research conducted on November 2013 until January 2014. On the basis ofempirical study of 8 sharia banking brands, the research were evaluated by 277 customers of sharia banking in5 big cities in Indonesia. Data were collected by a ten point Likert scale questionnaire consisting of statementsabout of brand personality, brand attachment toward brand loyalty. The data were analysed by StructuralEquation Modeling using AMOS. The findings of the study show that the implications of brand’s personalityfor consumers’ emotional brand attachment and brand loyalty are positive and significant. On a general level,brand’s personality has the greatest impact on emotional brand attachment. The authors discuss limitations ofthe scale and the boundary conditions important managerial and academic implications of these findings.

  20. 5 CFR 534.502 - Pay range.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Pay range. 534.502 Section 534.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY UNDER OTHER SYSTEMS Pay for Senior-Level and Scientific and Professional Positions § 534.502 Pay range. A pay rate fixed under this...

  1. Impact of E-Banking on Traditional Banking Services

    OpenAIRE

    Vyas, Shilpan Dineshkumar

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  3. 28 CFR 345.52 - Premium pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Premium pay. 345.52 Section 345.52... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.52 Premium pay. Payment of premium pay to... inmates at a location. (a) Eligibility. Inmates in first grade pay status may be considered for premium...

  4. 28 CFR 345.56 - Vacation pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Vacation pay. 345.56 Section 345.56... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.56 Vacation pay. Inmate workers are granted FPI vacation pay by the SOI when their continued good work performance justifies such pay, based on...

  5. Distorsioni strutturali della regolamentazione prudenziale delle banche (Structural distortions in prudential regulation of banks

    Directory of Open Access Journals (Sweden)

    Mario Tonveronachi

    2002-03-01

    Full Text Available At the national level, financial regulation based on prohibitions, the so-called structural rules, was accused of producing significant distortion. The degree of competition it was limited, encouraging inefficiencies of all types; the culture of risk it was weakened; wide discretionary powers were used by national authorities to distort market mechanisms and public ownership distorted competition and fostered cronyism.A new common regulative culture is therefore emerged, based on internal free competition within the banking sector and the financial system as a whole. It requires the elimination of strict limits to banking, the abandonment of the principle of specialization between commercial banking and financial asset bank, the affirmation of private property, the liability of the banks in a stronger market discipline, even with regard to their corporate governance.The Basel rules distorts no less serious than those attributed to the previous structural rules. Excessive competition is no less harmful than a low degree of competition, setting the “level playing field” helps large dimension and practicas “too big to fail”, the “capital crunches” produce serious effects on the economy, while the regulatory costs absorb important share resources of smaller banks. It is a matter of further research whether the new approach to regulation has also favored an increase in the share of national income absorbed by the financial system without having produced a better distribution of risk and a proportional increase in what James Tobin (1984 has defined efficiency of full insurance.

  6. 5 CFR 532.503 - Overtime pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Overtime pay. 532.503 Section 532.503... Pay and Differentials § 532.503 Overtime pay. (a)(1) Employees who are exempt from the overtime pay provisions of the Fair Labor Standards Act of 1938, as amended, shall be paid overtime pay in accordance with...

  7. An Examination of Pay Facets and Referent Groups for Assessing Pay Satisfaction of Male Elementary School Principals

    Science.gov (United States)

    Young, I. Phillip; Young, Karen Holsey; Okhremtchouk, Irina; Castaneda, Jose Moreno

    2009-01-01

    Pay satisfaction was assessed according to different facets (pay level, benefits, pay structure, and pay raises) and potential referent groups (teachers and elementary school principals) for a random sample of male elementary school principals. A structural model approach was used that considers facets of the pay process, potential others as…

  8. Structural biases in prudential regulation of banks

    Directory of Open Access Journals (Sweden)

    Mario Tonveronachi

    2001-12-01

    Full Text Available According to Mario Tonveronachi, the Basle rules produce distortions that are no less serious than those attributed to the former structural regulation. Excessive competition is no less harmful than low competition, the level playing field approach helps the large dimension and “too big to fail” results, capital crunches produce serious effects on the economy while the regulatory costs go on absorbing important resources in small banks. It is a matter for further research to verify if the new approach to regulation has also fostered an increase in the part of GDP absorbed by the financial system without bringing about a better distribution of risks and a proportionate increase in what James Tobin (1984 termed full-insurance efficiency.

  9. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  10. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

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

  11. Is banking supervision central to central banking?

    OpenAIRE

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

    1997-01-01

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

  12. Paper Money Value Change: Comparative Banking Fiqhiyyah Study

    Directory of Open Access Journals (Sweden)

    Hamzah Abdul Karim Hamid

    2015-10-01

    Full Text Available This article considered one of the significant issues in Islamic financial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murabahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then, and not the actual amount. Furthermore, it shows that the treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silver.DOI: 10.15408/aiq.v5i1.2115

  13. Benchmarking Big Data Systems and the BigData Top100 List.

    Science.gov (United States)

    Baru, Chaitanya; Bhandarkar, Milind; Nambiar, Raghunath; Poess, Meikel; Rabl, Tilmann

    2013-03-01

    "Big data" has become a major force of innovation across enterprises of all sizes. New platforms with increasingly more features for managing big datasets are being announced almost on a weekly basis. Yet, there is currently a lack of any means of comparability among such platforms. While the performance of traditional database systems is well understood and measured by long-established institutions such as the Transaction Processing Performance Council (TCP), there is neither a clear definition of the performance of big data systems nor a generally agreed upon metric for comparing these systems. In this article, we describe a community-based effort for defining a big data benchmark. Over the past year, a Big Data Benchmarking Community has become established in order to fill this void. The effort focuses on defining an end-to-end application-layer benchmark for measuring the performance of big data applications, with the ability to easily adapt the benchmark specification to evolving challenges in the big data space. This article describes the efforts that have been undertaken thus far toward the definition of a BigData Top100 List. While highlighting the major technical as well as organizational challenges, through this article, we also solicit community input into this process.

  14. Big data, big knowledge: big data for personalized healthcare.

    Science.gov (United States)

    Viceconti, Marco; Hunter, Peter; Hose, Rod

    2015-07-01

    The idea that the purely phenomenological knowledge that we can extract by analyzing large amounts of data can be useful in healthcare seems to contradict the desire of VPH researchers to build detailed mechanistic models for individual patients. But in practice no model is ever entirely phenomenological or entirely mechanistic. We propose in this position paper that big data analytics can be successfully combined with VPH technologies to produce robust and effective in silico medicine solutions. In order to do this, big data technologies must be further developed to cope with some specific requirements that emerge from this application. Such requirements are: working with sensitive data; analytics of complex and heterogeneous data spaces, including nontextual information; distributed data management under security and performance constraints; specialized analytics to integrate bioinformatics and systems biology information with clinical observations at tissue, organ and organisms scales; and specialized analytics to define the "physiological envelope" during the daily life of each patient. These domain-specific requirements suggest a need for targeted funding, in which big data technologies for in silico medicine becomes the research priority.

  15. Show them the money? The role of pay, managerial need support, and justice in a self-determination theory model of intrinsic work motivation.

    Science.gov (United States)

    Olafsen, Anja H; Halvari, Hallgeir; Forest, Jacques; Deci, Edward L

    2015-08-01

    The link between money and motivation has been a debated topic for decades, especially in work organizations. However, field studies investigating the amount of pay in relation to employee motivation is lacking and there have been calls for empirical studies addressing compensation systems and motivation in the work domain. The purpose of this study was to examine outcomes associated with the amount of pay, and perceived distributive and procedural justice regarding pay in relation to those for perceived managerial need support. Participants were 166 bank employees who also reported on their basic psychological need satisfaction and intrinsic work motivation. SEM-analyses tested a self-determination theory (SDT) model, with satisfaction of the competence and autonomy needs as an intervening variable. The primary findings were that amount of pay and employees' perceived distributive justice regarding their pay were unrelated to employees' need satisfaction and intrinsic work motivation, but procedural justice regarding pay did affect these variables. However, managerial need support was the most important factor for promoting need satisfaction and intrinsic work motivation both directly, indirectly, and as a moderator in the model. Hence, the results of the present organizational field study support earlier laboratory experiments within the SDT framework showing that monetary rewards did not enhance intrinsic motivation. This seems to have profound implications for organizations concerned about motivating their employees. © 2015 Scandinavian Psychological Associations and John Wiley & Sons Ltd.

  16. Conociendo Big Data

    Directory of Open Access Journals (Sweden)

    Juan José Camargo-Vega

    2014-12-01

    Full Text Available Teniendo en cuenta la importancia que ha adquirido el término Big Data, la presente investigación buscó estudiar y analizar de manera exhaustiva el estado del arte del Big Data; además, y como segundo objetivo, analizó las características, las herramientas, las tecnologías, los modelos y los estándares relacionados con Big Data, y por último buscó identificar las características más relevantes en la gestión de Big Data, para que con ello se pueda conocer todo lo concerniente al tema central de la investigación.La metodología utilizada incluyó revisar el estado del arte de Big Data y enseñar su situación actual; conocer las tecnologías de Big Data; presentar algunas de las bases de datos NoSQL, que son las que permiten procesar datos con formatos no estructurados, y mostrar los modelos de datos y las tecnologías de análisis de ellos, para terminar con algunos beneficios de Big Data.El diseño metodológico usado para la investigación fue no experimental, pues no se manipulan variables, y de tipo exploratorio, debido a que con esta investigación se empieza a conocer el ambiente del Big Data.

  17. [Role and management of cancer clinical database in the application of gastric cancer precision medicine].

    Science.gov (United States)

    Li, Yuanfang; Zhou, Zhiwei

    2016-02-01

    Precision medicine is a new medical concept and medical model, which is based on personalized medicine, rapid progress of genome sequencing technology and cross application of biological information and big data science. Precision medicine improves the diagnosis and treatment of gastric cancer to provide more convenience through more profound analyses of characteristics, pathogenesis and other core issues in gastric cancer. Cancer clinical database is important to promote the development of precision medicine. Therefore, it is necessary to pay close attention to the construction and management of the database. The clinical database of Sun Yat-sen University Cancer Center is composed of medical record database, blood specimen bank, tissue bank and medical imaging database. In order to ensure the good quality of the database, the design and management of the database should follow the strict standard operation procedure(SOP) model. Data sharing is an important way to improve medical research in the era of medical big data. The construction and management of clinical database must also be strengthened and innovated.

  18. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

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

  19. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

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

  20. BigDansing

    KAUST Repository

    Khayyat, Zuhair

    2015-06-02

    Data cleansing approaches have usually focused on detecting and fixing errors with little attention to scaling to big datasets. This presents a serious impediment since data cleansing often involves costly computations such as enumerating pairs of tuples, handling inequality joins, and dealing with user-defined functions. In this paper, we present BigDansing, a Big Data Cleansing system to tackle efficiency, scalability, and ease-of-use issues in data cleansing. The system can run on top of most common general purpose data processing platforms, ranging from DBMSs to MapReduce-like frameworks. A user-friendly programming interface allows users to express data quality rules both declaratively and procedurally, with no requirement of being aware of the underlying distributed platform. BigDansing takes these rules into a series of transformations that enable distributed computations and several optimizations, such as shared scans and specialized joins operators. Experimental results on both synthetic and real datasets show that BigDansing outperforms existing baseline systems up to more than two orders of magnitude without sacrificing the quality provided by the repair algorithms.

  1. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  2. L'attività internazionale delle banche italiane: una sintesi degli ultimi dieci anni (The International Activity of Italian Banks: A Synthesis of the Last Ten Years

    Directory of Open Access Journals (Sweden)

    Riccardo De Bonis

    2012-04-01

    Full Text Available This paper examines the developments of the Italian banking system during the Nineties from two related points of view: net external position and degree of internationalisation, i.e. branches and subsidiaries abroad. These themes seem particularly interesting in the light of the widespread belief that the euro area will significantly increase banking competition and cross-border operations in coming years. We find two major forces driving banks' external net position: the growth in loans to domestic borrowers and the convergence in interest rate levels across European countries. The development of foreign branches and subsidiaries has been influenced by two counterbalancing forces; the big banking groups reduced their presence abroad while some medium-sized banks opened their first branches; the focus of foreign branches and subsidiaries has been on specific segments of banking activities, very often exploiting "localization" advantages. Despite the improvement in the Nineties, Italian banks have tended to show a relatively low degree of internationalisation compared with the main European banking system.              JEL Codes: G21, F23Keywords: Bank, Banking

  3. Banks offer SE more than it asked for

    International Nuclear Information System (INIS)

    Janoska, J.

    2004-01-01

    About a year ago, when new management took over the financial department of Slovenske elektrarne (SE), a.s. the company was in crisis. It faced an acute cash-flow deficit and due loans of over 20 bill. Sk (501.21 mil. Eur). SE could not provide adequate guarantees for the required loans and without state guarantees it was virtually impossible or too expensive to obtain additional loans. But last week the situation changed for the better. Despite the fact that due to the restructuring of SE's loan portfolio, the company will pay the banks 3 bill. Sk (75.18 mil. Eur) less interest over the next three years than under the original arrangements, even the bakers seemed satisfied. A loan portfolio full of non-standard agreements signed with about 30 banks had previously prevented decisions regarding the structure of the company's assets and liabilities.The cabinet refused to admit that SE was in crisis and offered SE for sale, although it could not be privatised due to its debt structure and the fact that it was close to default. Despite this unfavourable situation, company economists decided to make an offensive move -in cooperation with a small group of banks they converted the tens of company loan agreements into a new loan package that will be simpler, cheaper, and with longer maturity periods, which will not require state guarantees. SE managed to restructure debts with a total value of 550 mil. Eur and until these transactions are completed the banks offered SE a bridge loan of 110 mil. Eur. The transaction related to a syndicated loan of 350 mil. Eur which was concluded in April. Eurobonds with a total value of 200 mil. Eur were issued two months later. The banks offered the company more than it requested. Demand for the Eurobond issue exceeded the 200 mil. Eur of bonds on offer. (author)

  4. Dealing direct. If you want to play in the big leagues of direct contracting, pay attention to these risks.

    Science.gov (United States)

    Gee, E P; Fine, A

    1997-08-20

    There's danger in direct contracting with employers, but big advantages if you know how to steer clear. In this excerpt from Dealing Direct, a recent book from American Hospital Publishing, the authors point out common obstacles--from retaliation by insurers to managing high-risk enrollees to shifts in the market.

  5. Quantified Bodies in the Checking Loop: Analyzing the Choreographies of Biomonitoring and Generating Big Data

    Directory of Open Access Journals (Sweden)

    Jaana Parviainen

    2016-01-01

    Full Text Available Biomonitoring digital devices have become popular in physical activities and are receiving intensive focus as motivational and support vehicles for health. The aim of this article is to develop a new theoretical framework to analyze biomonitoring from the two perspectives constituting the opposite ends of the big data spectrum: individual (micro and institutional (macro. In applying phenomenology of the body, discussions of choreography, and Latour’s actor–network theory, I seek to evolve a choreography-based approach that can outline feedback systems between embodied practices and the macrolevel choreography of big data. Health informatics data as economic and political assets are illustrated based on netnography. Netnographic methodology pays close attention to online fieldwork and media texts. Emphasizing the lived body in the analysis of knowledge infrastructure, I aim to contribute to the theoretical discussion of human–data interaction. The findings suggest that highly intimate, personal technology can distance people from their lived bodies.

  6. Power and pay: The union and equal pay at B.C. Electric/Hydro

    International Nuclear Information System (INIS)

    Creese, G.

    1993-01-01

    The struggle for equal pay for women in one large office union, the Office and Technical Employees' Union (OTEU), at British Columbia Electric/Hydro is analyzed. The analysis concentrates on the second phase of the equal pay movement that preoccupied the union for over 30 years starting in 1949. Equal pay for equal job-evaluation was finally achieved in 1981, yet this struggle did not produce a subsequent questioning of gender bias within the job evaluation process or the structure of the existing hierarchy of jobs. The study illustrates some of the ways that gender hierarchies and inequities are defined and reinforced by employers seeking to maintain profits by keeping labor costs down, as BC Electric/Hydro resisted eliminating the differential in male and female pay, systematically restructured unequal pay, and continually resorted to lower community standards even when the company's own job evaluation system suggested equal comparators with male jobs. Gendered jobs are also shaped by union practices, as evidenced by the OTEU's role in restructuring the postwar gender division of labor in the late 1940s, as well as their early and persistent challenges to the female differential but, at the same time, the continued marginalization of equal pay as a women's issue rather than a general union issue. 66 refs

  7. Characterizing Big Data Management

    Directory of Open Access Journals (Sweden)

    Rogério Rossi

    2015-06-01

    Full Text Available Big data management is a reality for an increasing number of organizations in many areas and represents a set of challenges involving big data modeling, storage and retrieval, analysis and visualization. However, technological resources, people and processes are crucial to facilitate the management of big data in any kind of organization, allowing information and knowledge from a large volume of data to support decision-making. Big data management can be supported by these three dimensions: technology, people and processes. Hence, this article discusses these dimensions: the technological dimension that is related to storage, analytics and visualization of big data; the human aspects of big data; and, in addition, the process management dimension that involves in a technological and business approach the aspects of big data management.

  8. Big science

    CERN Multimedia

    Nadis, S

    2003-01-01

    " "Big science" is moving into astronomy, bringing large experimental teams, multi-year research projects, and big budgets. If this is the wave of the future, why are some astronomers bucking the trend?" (2 pages).

  9. 5 CFR 551.501 - Overtime pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Overtime pay. 551.501 Section 551.501 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY ADMINISTRATION UNDER THE FAIR LABOR STANDARDS ACT Overtime Pay Provisions Basic Provisions § 551.501 Overtime pay. (a) An agency...

  10. THE ROMANIAN BANKING SYSTEM – PAST, ACTUALITY, PERSPECTIVES

    Directory of Open Access Journals (Sweden)

    DAVID DELIA

    2012-07-01

    this work David Delia, with the work “Contributions regarding the improvement of the banking accountancy dealing with credits granted to non-financial clients” and so on. An outstanding attention payed to this subject was the one of the governor of the National Bank of Romania, Mugur Isarescu, who issued a series of articles and books on this subject. Also, Silviu Cerna, Aurelian Paul Berea, Vasile Dedu, Nicolae Danila approached in their books the problem regarding the evolution of the Romanian banking system. The National Bank of Romania offers to its users, information regarding the evolution of the banking industry through the Reports of Financial Stability and The Annual Report. The results of the research and the general conclusions regarding the concern on the evolution of the Romanian banking system are presented at the end of the work.

  11. Lidar quantification of bank erosion in Blue Earth County, Minnesota.

    Science.gov (United States)

    Kessler, A C; Gupta, S C; Dolliver, H A S; Thoma, D P

    2012-01-01

    Sediment and phosphorus (P) transport from the Minnesota River Basin to Lake Pepin on the upper Mississippi River has garnered much attention in recent years. However, there is lack of data on the extent of sediment and P contributions from riverbanks vis-à-vis uplands and ravines. Using two light detection and ranging (lidar) data sets taken in 2005 and 2009, a study was undertaken to quantify sediment and associated P losses from riverbanks in Blue Earth County, Minnesota. Volume change in river valleys as a result of bank erosion amounted to 1.71 million m over 4 yr. Volume change closely followed the trend: the Blue Earth River > the Minnesota River at the county's northern edge > the Le Sueur River > the Maple River > the Watonwan River > the Big Cobb River > Perch Creek > Little Cobb River. Using fine sediment content (silt + clay) and bulk density of 37 bank samples representing three parent materials, we estimate bank erosion contributions of 48 to 79% of the measured total suspended solids at the mouth of the Blue Earth and the Le Sueur rivers. Corresponding soluble P and total P contributions ranged from 0.13 to 0.20% and 40 to 49%, respectively. Although tall banks (>3 m high) accounted for 33% of the total length and 63% of the total area, they accounted for 75% of the volume change in river valleys. We conclude that multitemporal lidar data sets are useful in estimating bank erosion and associated P contributions over large scales, and for riverbanks that are not readily accessible for conventional surveying equipment. Copyright © by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America, Inc.

  12. 28 CFR 345.57 - Administrative pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Administrative pay. 345.57 Section 345.57... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.57 Administrative pay. An inmate excused from a job assignment may receive administrative pay for such circumstances as a general recall for an...

  13. Big bang and big crunch in matrix string theory

    OpenAIRE

    Bedford, J; Papageorgakis, C; Rodríguez-Gómez, D; Ward, J

    2007-01-01

    Following the holographic description of linear dilaton null Cosmologies with a Big Bang in terms of Matrix String Theory put forward by Craps, Sethi and Verlinde, we propose an extended background describing a Universe including both Big Bang and Big Crunch singularities. This belongs to a class of exact string backgrounds and is perturbative in the string coupling far away from the singularities, both of which can be resolved using Matrix String Theory. We provide a simple theory capable of...

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

    OpenAIRE

    Angel, Christania Graciella

    2014-01-01

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

  15. 5 CFR 9901.356 - Pay retention.

    Science.gov (United States)

    2010-01-01

    ... position in a lower pay band offered by an activity to accommodate a disabling medical condition similar to... within the employee's new pay band or by establishing a retained rate that exceeds the maximum rate of the new pay band. Local market supplements are not considered part of base salary in applying pay...

  16. 28 CFR 345.58 - Holiday pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Holiday pay. 345.58 Section 345.58... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.58 Holiday pay. An inmate worker in FPI work status shall receive pay at the standard hourly rate, plus longevity where applicable, for all Federal...

  17. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

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

    2017-01-01

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

  18. Retroactive Stop Loss Special Pay

    Science.gov (United States)

    Pay (RSLSP), providing $500 for each month/partial month served in stop loss status. Service members served under stop loss must submit a claim for the special pay. Throughout the year, the services have or extension of service, became ineligible to receive retroactive stop loss special pay. There may be

  19. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  20. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

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

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

    African Journals Online (AJOL)

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

  2. 28 CFR 345.55 - Longevity pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Longevity pay. 345.55 Section 345.55... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.55 Longevity pay. (a) Except as provided in paragraph (b) of this section, an inmate earns longevity pay raises after 18 months spent in FPI work status...

  3. Bliver big data til big business?

    DEFF Research Database (Denmark)

    Ritter, Thomas

    2015-01-01

    Danmark har en digital infrastruktur, en registreringskultur og it-kompetente medarbejdere og kunder, som muliggør en førerposition, men kun hvis virksomhederne gør sig klar til næste big data-bølge.......Danmark har en digital infrastruktur, en registreringskultur og it-kompetente medarbejdere og kunder, som muliggør en førerposition, men kun hvis virksomhederne gør sig klar til næste big data-bølge....

  4. Big data uncertainties.

    Science.gov (United States)

    Maugis, Pierre-André G

    2018-07-01

    Big data-the idea that an always-larger volume of information is being constantly recorded-suggests that new problems can now be subjected to scientific scrutiny. However, can classical statistical methods be used directly on big data? We analyze the problem by looking at two known pitfalls of big datasets. First, that they are biased, in the sense that they do not offer a complete view of the populations under consideration. Second, that they present a weak but pervasive level of dependence between all their components. In both cases we observe that the uncertainty of the conclusion obtained by statistical methods is increased when used on big data, either because of a systematic error (bias), or because of a larger degree of randomness (increased variance). We argue that the key challenge raised by big data is not only how to use big data to tackle new problems, but to develop tools and methods able to rigorously articulate the new risks therein. Copyright © 2016. Published by Elsevier Ltd.

  5. A Review on Applicability of Big Data Technology in Nuclear Power Plant : Focused on O and M Phases

    Energy Technology Data Exchange (ETDEWEB)

    Cha, Jae-Min; Shin, Junguk Shin; Yeom, Choong-Sub [Institute for Advanced Engineering, Yongin (Korea, Republic of)

    2015-05-15

    With the rapid growth of information and communication technology (ICT), data has been explosively increasing. It is the most important component of big data concept which derives values from the data. Recently, big data technology has been applied to plant industry such as oil and gas plant, steel and iron plant, and power plant as well as traditional industries including communication, manufacturing, distribution, banking, and so on. It means that the big data technology has a high opportunity to enhance operational performance from tremendous data collected from numerous sensors, which are generally attached to the Structures, Systems, and Components (SSCs). Gartner reported that 'the big data has high potential opportunities in Manufacturing and Natural Resource industry sector'. In the paper, we analyze the applicability of the big data technology in the NPP focusing on O and M phase. For this, the following sequence of process: Operational concept definition, Problem analysis, Needs derivation is conducted. This research has some limitations as follows. 1) Only monitoring and diagnosis part in the operational phase is considered in the whole plant lifecycle activities. That is, the necessity of big data should be derived in the comprehensive and diverse viewpoints. 2) Target interviewee is too small. That is, the more interviewee should be considered to increase the credibility of the research results. In the further study, to overcome the limitations of this research, we plan to validate the necessity via quantitative survey methods with more experts in the various plant cycles. We also attempt to show the practical impacts of big data through the practical application into the NPP.

  6. A Review on Applicability of Big Data Technology in Nuclear Power Plant : Focused on O and M Phases

    International Nuclear Information System (INIS)

    Cha, Jae-Min; Shin, Junguk Shin; Yeom, Choong-Sub

    2015-01-01

    With the rapid growth of information and communication technology (ICT), data has been explosively increasing. It is the most important component of big data concept which derives values from the data. Recently, big data technology has been applied to plant industry such as oil and gas plant, steel and iron plant, and power plant as well as traditional industries including communication, manufacturing, distribution, banking, and so on. It means that the big data technology has a high opportunity to enhance operational performance from tremendous data collected from numerous sensors, which are generally attached to the Structures, Systems, and Components (SSCs). Gartner reported that 'the big data has high potential opportunities in Manufacturing and Natural Resource industry sector'. In the paper, we analyze the applicability of the big data technology in the NPP focusing on O and M phase. For this, the following sequence of process: Operational concept definition, Problem analysis, Needs derivation is conducted. This research has some limitations as follows. 1) Only monitoring and diagnosis part in the operational phase is considered in the whole plant lifecycle activities. That is, the necessity of big data should be derived in the comprehensive and diverse viewpoints. 2) Target interviewee is too small. That is, the more interviewee should be considered to increase the credibility of the research results. In the further study, to overcome the limitations of this research, we plan to validate the necessity via quantitative survey methods with more experts in the various plant cycles. We also attempt to show the practical impacts of big data through the practical application into the NPP

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

    Science.gov (United States)

    2010-01-01

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

  8. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

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

  9. Power and pay: The union and equal pay at B. C. Electric/Hydro

    Energy Technology Data Exchange (ETDEWEB)

    Creese, G

    The struggle for equal pay for women in one large office union, the Office and Technical Employees' Union (OTEU), at British Columbia Electric/Hydro is analyzed. The analysis concentrates on the second phase of the equal pay movement that preoccupied the union for over 30 years starting in 1949. Equal pay for equal job-evaluation was finally achieved in 1981, yet this struggle did not produce a subsequent questioning of gender bias within the job evaluation process or the structure of the existing hierarchy of jobs. The study illustrates some of the ways that gender hierarchies and inequities are defined and reinforced by employers seeking to maintain profits by keeping labor costs down, as BC Electric/Hydro resisted eliminating the differential in male and female pay, systematically restructured unequal pay, and continually resorted to lower community standards even when the company's own job evaluation system suggested equal comparators with male jobs. Gendered jobs are also shaped by union practices, as evidenced by the OTEU's role in restructuring the postwar gender division of labor in the late 1940s, as well as their early and persistent challenges to the female differential but, at the same time, the continued marginalization of equal pay as a women's issue rather than a general union issue. 66 refs.

  10. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

  11. 28 CFR 345.60 - Training pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Training pay. 345.60 Section 345.60... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.60 Training pay. Inmates directed by the SOI to take a particular type of training in connection with a FPI job are to receive FPI pay if the...

  12. 20 CFR 218.27 - Vacation pay.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Vacation pay. 218.27 Section 218.27 Employees... Beginning Date § 218.27 Vacation pay. (a) From railroad employer. Vacation pay may be credited to the... vacation pay is credited to the vacation period, the annuity can begin no earlier than the day after the...

  13. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-08-01

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

  15. Predicting Bank Financial Failures Using Discriminant Analysis And Support Vector Machines Methods A Comparative Analysis In Commercial Banks In Sudan 2006-2014

    Directory of Open Access Journals (Sweden)

    Mohammed A. SirElkhatim

    2017-04-01

    Full Text Available Bank failures threaten the economic system as a whole. Therefore predicting bank financial failures is crucial to prevent andor lessen its negative effects on the economic system. Financial crises affecting both emerging markets and advanced countries over the centuries have severe economic consequences but they can be hard to prevent and predict identifying financial crises causes remains both science and art said Stijn Claessens assistant director of the International Monetary Fund. While it would be better to mitigate risks financial crises will recur often in waves and better crisis management is therefore important. Analyses of recurrent causes suggest that to prevent crises governments should consider reforms in many underlying areas. That includes developing prudent fiscal and monetary policies better regulating the financial sector including reducing the problem of too-big-to-fail banks and developing effective macro-prudential policies. Despite new regulations and better supervision crises are likely to recur in part because they can reflect deeper problems related to income inequality the political economy and common human behavior. As such improvements in crisis management are also needed. This is originally a classification problem to categorize banks as healthy or non-healthy ones. This study aims to apply Discriminant analysis and Support Vector Machines methods to the bank failure prediction problem in a Sudanese case and to present a comprehensive computational comparison of the classification performances of the techniques tested. Eleven financial and non-financial ratios with six feature groups including capital adequacy asset quality Earning and liquidity CAMELS are selected as predictor variables in the study. Credit risk also been evaluated using logistic analysis to study the effect of Islamic finance modes sectors and payment types used by Sudanese banks with regard to their possibilities of failure. Experimental results

  16. MethBank 3.0: a database of DNA methylomes across a variety of species.

    Science.gov (United States)

    Li, Rujiao; Liang, Fang; Li, Mengwei; Zou, Dong; Sun, Shixiang; Zhao, Yongbing; Zhao, Wenming; Bao, Yiming; Xiao, Jingfa; Zhang, Zhang

    2018-01-04

    MethBank (http://bigd.big.ac.cn/methbank) is a database that integrates high-quality DNA methylomes across a variety of species and provides an interactive browser for visualization of methylation data. Here, we present an updated implementation of MethBank (version 3.0) by incorporating more DNA methylomes from multiple species and equipping with more enhanced functionalities for data annotation and more friendly web interfaces for data presentation, search and visualization. MethBank 3.0 features large-scale integration of high-quality methylomes, involving 34 consensus reference methylomes derived from a large number of human samples, 336 single-base resolution methylomes from different developmental stages and/or tissues of five plants, and 18 single-base resolution methylomes from gametes and early embryos at multiple stages of two animals. Additionally, it is enhanced by improving the functionalities for data annotation, which accordingly enables systematic identification of methylation sites closely associated with age, sites with constant methylation levels across different ages, differentially methylated promoters, age-specific differentially methylated cytosines/regions, and methylated CpG islands. Moreover, MethBank provides tools to estimate human methylation age online and to identify differentially methylated promoters, respectively. Taken together, MethBank is upgraded with significant improvements and advances over the previous version, which is of great help for deciphering DNA methylation regulatory mechanisms for epigenetic studies. © The Author(s) 2017. Published by Oxford University Press on behalf of Nucleic Acids Research.

  17. HARNESSING BIG DATA VOLUMES

    Directory of Open Access Journals (Sweden)

    Bogdan DINU

    2014-04-01

    Full Text Available Big Data can revolutionize humanity. Hidden within the huge amounts and variety of the data we are creating we may find information, facts, social insights and benchmarks that were once virtually impossible to find or were simply inexistent. Large volumes of data allow organizations to tap in real time the full potential of all the internal or external information they possess. Big data calls for quick decisions and innovative ways to assist customers and the society as a whole. Big data platforms and product portfolio will help customers harness to the full the value of big data volumes. This paper deals with technical and technological issues related to handling big data volumes in the Big Data environment.

  18. Explaining the Gender Wage Gap: Pay Expectations for Self, Others, and Perceptions of "Fair Pay."

    Science.gov (United States)

    Gardner, Philip D.; Jackson, Linda A.

    This study was conducted to investigate the pay expectations of graduating seniors, and specifically, the relationship between gender and pay expectations for one's self and others. The main purpose of the study was to determine if women and men differed in their initial pay expectations. Surveys were received from 447 college seniors, including…

  19. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

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

  20. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

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

  1. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

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

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

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

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

  3. Paper Money Value Change: Comparative Banking Fiqhiyyah Study

    Directory of Open Access Journals (Sweden)

    Hamzah Abdu Karim

    2015-10-01

    Full Text Available This article considered one of the significant issues in Islamicfinancial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murâbahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then,and not the actual amount. Furthermore, it shows that the  treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silverDOI: 10.15408/aiq.v5i1.2561

  4. Met Ed gets reprieve: banks lend tax money

    International Nuclear Information System (INIS)

    Utroska, D.

    1981-01-01

    A consortium of banks agreed to loan Metropolitan Edison $23 million to pay its April 15 state taxes and temporarily relieve a cash-flow problem that is leading to default after the Pennsylvania Public Utility Commission expedited a rate request. The continued solvency of Met Ed is a matter of speculation because the present credit formula is based on liquid assets which the PUC did not address. While the action taken by the bankers gives Met Ed a reprieve, it does not provide a long-term solution. The Revolving Credit Agreement will expire on October 1. Met Ed is still faced with the problem of relicensing Three Mile Island-1 unit and the cost of underwriting the cleanup of the No. 2 unit

  5. Big bang and big crunch in matrix string theory

    International Nuclear Information System (INIS)

    Bedford, J.; Ward, J.; Papageorgakis, C.; Rodriguez-Gomez, D.

    2007-01-01

    Following the holographic description of linear dilaton null cosmologies with a big bang in terms of matrix string theory put forward by Craps, Sethi, and Verlinde, we propose an extended background describing a universe including both big bang and big crunch singularities. This belongs to a class of exact string backgrounds and is perturbative in the string coupling far away from the singularities, both of which can be resolved using matrix string theory. We provide a simple theory capable of describing the complete evolution of this closed universe

  6. Big data a primer

    CERN Document Server

    Bhuyan, Prachet; Chenthati, Deepak

    2015-01-01

    This book is a collection of chapters written by experts on various aspects of big data. The book aims to explain what big data is and how it is stored and used. The book starts from  the fundamentals and builds up from there. It is intended to serve as a review of the state-of-the-practice in the field of big data handling. The traditional framework of relational databases can no longer provide appropriate solutions for handling big data and making it available and useful to users scattered around the globe. The study of big data covers a wide range of issues including management of heterogeneous data, big data frameworks, change management, finding patterns in data usage and evolution, data as a service, service-generated data, service management, privacy and security. All of these aspects are touched upon in this book. It also discusses big data applications in different domains. The book will prove useful to students, researchers, and practicing database and networking engineers.

  7. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

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

  8. Don’t miss the Passport to the Big Bang event this Sunday!

    CERN Multimedia

    CERN Bulletin

    2013-01-01

    Word has been going around for weeks now about the inauguration of the Passport to the Big Bang on Sunday 2 June. Ideal for a family day out or a day with friends, this is a CERN event not to be missed!   The Passport to the Big Bang is a 54-km scientific tourist trail comprising ten exhibition platforms in front of ten CERN sites in the Pays de Gex and the Canton of Geneva. Linked by cycle routes, these ten platforms will mark the same number of stages in the rally for competitive cyclists and the bicycle tour for families taking place this Sunday from 9 a.m. to 12 p.m. But that’s not all: from 2 p.m., you will also have the chance to take part in a huge range of activities provided by clubs and associations from CERN and the local region. Watch an oriental dance show, have a go at building detectors out of Kapla blocks and Lego, meet different reptile species, learn about wind instruments, try your hand at Nordic walking or Zumba fitness, get a better understanding of road safety...

  9. Shareholder voice on executive pay : A decade of Dutch say on pay

    NARCIS (Netherlands)

    van der Elst, Christoph; Lafarre, Anne

    2017-01-01

    The Netherlands adopted shareholders’ say on pay over a decade ago. The general meeting of shareholders must approve the remuneration policy and any amendments to it. This Dutch approach offers fruitful insights into how say on pay works in practice. In the light of the recent European proposal to

  10. Gender-Pay-Gap

    OpenAIRE

    Eicker, Jannis

    2017-01-01

    Der Gender-Pay-Gap ist eine statistische Kennzahl zur Messung der Ungleichheit zwischen Männern* und Frauen* beim Verdienst. Es gibt zwei Versionen: einen "unbereinigten" und einen "bereinigten". Der "unbereinigte" Gender-Pay-Gap berechnet den geschlechtsspezifischen Verdienstunterschied auf Basis der Bruttostundenlöhne aller Männer* und Frauen* der Grundgesamtheit. Beim "bereinigten" Wert hingegen werden je nach Studie verschiedene Faktoren wie Branche, Position und Berufserfahrung herausger...

  11. 5 CFR 9901.305 - Rate of pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Rate of pay. 9901.305 Section 9901.305... (NSPS) Pay and Pay Administration General § 9901.305 Rate of pay. (a) The term “rate of pay” in 5 U.S.C... overtime and other premium pay rates (including compensatory time off); and (2) The rates comprising the...

  12. 33 CFR 52.71 - Authority to pay.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Authority to pay. 52.71 Section... § 52.71 Authority to pay. (a) The Coast Guard is authorized to pay the claims of any person as the... authorized to pay any claim heretofore compensated by Congress through enactment of private law, or to pay...

  13. [Women's willingness to pay for cancer screening].

    Science.gov (United States)

    Kwak, Min-Son; Sung, Na-Young; Yang, Jeong Hee; Park, Eun-Cheol; Choi, KuiSon

    2006-07-01

    The goal of this study is to measure women's willingness to pay for cancer screening and to identify those factors associated with this willingness to pay A population-based telephone survey was performed on 1,562 women (aged 30 years or over) for 2 weeks (9-23th, July, 2004). Data about sociodemographic characteristics, health behaviors, the intention of the cancer screenings and willingness to pay for cancer screening were collected. 1,400 respondents were included in the analysis. The women's willingness to pay for cancer screening and the factors associated with this willingness to pay were evaluated. The results show that 76% of all respondents have a willingness to pay for cancer screening. Among those who are willing to pay, the average and median amount of money for which the respondents are willing to pay are 126,636 (s.d.: 58,414) and 120,000 won, respectively. As the status of education & the income are higher, the average amount that women are willing to pay becomes much more. The amount of money women are willing to pay is the highest during the 'contemplation' stage. Being willing to pay or not is associated with a change of behavior (transtheoretical model), the income, the concern about the cancer risk, the family cancer history, the marital status, the general health exam, age and the place of residence. Income is associated with a greater willingness to pay. Old age was associated with a lower willingness to pay. According to the two-part model, income and TTM are the most important variables associated with the willingness to pay for cancer screening. The cancer screening participation rate is low compared with the willingness to pay for cancer screening. It is thought that we have to consider the participants' behavior that's associated with cancer screening and their willingness to pay in order to organize and manage cancer screening program.

  14. Microsoft big data solutions

    CERN Document Server

    Jorgensen, Adam; Welch, John; Clark, Dan; Price, Christopher; Mitchell, Brian

    2014-01-01

    Tap the power of Big Data with Microsoft technologies Big Data is here, and Microsoft's new Big Data platform is a valuable tool to help your company get the very most out of it. This timely book shows you how to use HDInsight along with HortonWorks Data Platform for Windows to store, manage, analyze, and share Big Data throughout the enterprise. Focusing primarily on Microsoft and HortonWorks technologies but also covering open source tools, Microsoft Big Data Solutions explains best practices, covers on-premises and cloud-based solutions, and features valuable case studies. Best of all,

  15. Summary big data

    CERN Document Server

    2014-01-01

    This work offers a summary of Cukier the book: "Big Data: A Revolution That Will Transform How we Live, Work, and Think" by Viktor Mayer-Schonberg and Kenneth. Summary of the ideas in Viktor Mayer-Schonberg's and Kenneth Cukier's book: " Big Data " explains that big data is where we use huge quantities of data to make better predictions based on the fact we identify patters in the data rather than trying to understand the underlying causes in more detail. This summary highlights that big data will be a source of new economic value and innovation in the future. Moreover, it shows that it will

  16. Creative Accounting Model for Increasing Banking Industries’ Competitive Advantage in Indonesia (P.197-207

    Directory of Open Access Journals (Sweden)

    Supriyati Supriyati

    2017-01-01

    Full Text Available Bank Indonesia demands that the national banks should improve their transparency of financial condition and performance for public in line with the development of their products and activities. Furthermore, the banks’ financial statements of Bank Indonesia have become the basis for determining the status of their soundness. In fact, they tend to practice earnings management in order that they can meet the criteria required by Bank Indonesia. For internal purposes, the initiative of earning management has a positive impact on the performance of management. However, for the users of financial statements, it may differ, for example for the value of company, length of time the financial audit, and other aspects of tax evasion by the banks. This study tries to find out 1 the effect of GCG on Earnings Management, 2 the effect of earning management on Company value, the Audit Report Lag, and Taxation, and 3 the effect of Audit Report Lag on Corporate Value and Taxation. This is a quantitative research with the data collected from the bank financial statements, GCG implementation report, and the banks’ annual reports of 2003-2013. There were 41 banks taken using purposive sampling, as listed on the Indonesia Stock Exchange. The results showed that the implementation of GCG affects the occurrence of earning management. Accounting policy flexibility through earning management is expected to affect the length of the audit process and the accuracy of the financial statements presentation on public side. This research is expected to provide managerial implications in order to consider the possibility of earnings management practices in the banking industry. In the long term, earning management is expected to improve the banks’ competitiveness through an increase in the value of the company. Explicitly, earning management also affects the tax avoidance; therefore, the banks intend to pay lower taxes without breaking the existing legislation Taxation

  17. 76 FR 52537 - Pay for Sunday Work

    Science.gov (United States)

    2011-08-23

    ... back pay claims permitted by the Barring Act of 1940, and noted that agencies could use the memorandum... of the Barring Act or the Back Pay Act of 1966 (as amended) and apply specifically to one Government...) An employee is entitled to pay at his or her rate of basic pay plus premium pay at a rate equal to 25...

  18. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-26

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

  19. Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

    Directory of Open Access Journals (Sweden)

    Ir Ascarya

    2008-08-01

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

  20. ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Dwi Umardani

    2017-05-01

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

  1. 75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-04

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

  2. GenBank

    OpenAIRE

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

    2002-01-01

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

  3. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

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

  4. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  5. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  7. Big Data en surveillance, deel 1 : Definities en discussies omtrent Big Data

    NARCIS (Netherlands)

    Timan, Tjerk

    2016-01-01

    Naar aanleiding van een (vrij kort) college over surveillance en Big Data, werd me gevraagd iets dieper in te gaan op het thema, definities en verschillende vraagstukken die te maken hebben met big data. In dit eerste deel zal ik proberen e.e.a. uiteen te zetten betreft Big Data theorie en

  8. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  9. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  10. Characterizing Big Data Management

    OpenAIRE

    Rogério Rossi; Kechi Hirama

    2015-01-01

    Big data management is a reality for an increasing number of organizations in many areas and represents a set of challenges involving big data modeling, storage and retrieval, analysis and visualization. However, technological resources, people and processes are crucial to facilitate the management of big data in any kind of organization, allowing information and knowledge from a large volume of data to support decision-making. Big data management can be supported by these three dimensions: t...

  11. Organizational Citizenship Behavior of Islamic Banks through Meaning in Life and Meaning of Work

    Directory of Open Access Journals (Sweden)

    Heru Sulistyo

    2017-11-01

    Full Text Available Islamic banking had a market share that is still low if compared with conventional banks,so it has a big challenge to improve the performance and competitive advantage. Employeeswho were willing to have extra work for their organization will lead to the improvementof their performance and their organization. Several studies have examined multiplefactors that affect organizational citizenship behavior (OCB, but it was still slightlystressing on the importance of psychological aspects of meaning in life and meaning ofwork. The purpose of this study was to examine the importance of meaning in life andmeaning of work factors in improving OCB in the organization. The sample in this studywas employees of the Islamic banks in Central Java, amounted to 100 people. The datacollections were conducted by using questionnaires and in-depth interviews. Meanwhile,to analyze the data, the structural equation model with Partial least squares software wasused. The results of data analysis showed that meaning in life had a significant effect onsatisfaction and organizational citizenship behavior. Meaning of work also had a significanteffect on satisfaction and organizational citizenship behavior. An employee’sjob satisfaction significantly affects the improvement of organizational citizenship behavior.

  12. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  13. Performance pay, sorting and social motivation

    OpenAIRE

    Eriksson, Tor; Villeval, Marie Claire

    2008-01-01

    International audience; Variable pay links pay and performance but may also help firms in attracting more productive employees. Our experiment investigates the impact of performance pay on both incentives and sorting and analyzes the influence of repeated interactions between firms and employees on these effects. We show that (i) the opportunity to switch from a fixed wage to variable pay scheme increases the average effort level and its variance; (ii) high skill employees concentrate under t...

  14. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

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

  15. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  16. TRANSFORMATIONAL LEADERSHIP AND JOB SATISFACTION IN THE BANKING SECTOR: A REVIEW

    Directory of Open Access Journals (Sweden)

    Dimitrios Belias

    2014-07-01

    Full Text Available The purpose of the present study is to provide a critical review of the relation between transformational leadership and the levels of job satisfaction experienced by bank employees. An organization’s or institution’s leadership refers to its leader’s style of providing direction, implementing plans and motivating employees. Transformational leadership is a specific leadership style applied by superiors who motivate their subordinates to perform at a higher level by inspiring them, offering them intellectual challenges and paying attention to their individual needs. Job satisfaction refers to the employees’ perceptions of their working environment, relations among colleagues, earnings and promotion opportunities. The review shows that contemporary job-related phenomena like job satisfaction are related to employees’ relations with colleagues and superiors, performance and perceptions of their organization’s specific culture. In addition, the employees’ preference of leadership style is likely to be affected by several factors, including demographic characteristics. Therefore, the reciprocal relation between organizational culture and transformational leadership in job satisfaction in the banking field is revealed in the review, and several conclusions and suggestions are formed.

  17. 78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-21

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

  18. Paying for Hitler's War

    DEFF Research Database (Denmark)

    Lund, Joachim

    2017-01-01

    Book review of: Jonas Scherner & Eugene N. White (eds.), Paying for Hitler's War: The Consequenses of Nazi Hegemony for Europe (NY: Cambridge University Press, 2016)......Book review of: Jonas Scherner & Eugene N. White (eds.), Paying for Hitler's War: The Consequenses of Nazi Hegemony for Europe (NY: Cambridge University Press, 2016)...

  19. Financial Advice: Who Pays

    Science.gov (United States)

    Finke, Michael S.; Huston, Sandra J.; Winchester, Danielle D.

    2011-01-01

    Using a cost-benefit framework for financial planning services and proprietary data collected in the summer of 2008, the client characteristics that are associated with the likelihood of paying for professional financial advice, as well as the type of financial services purchased, are identified. Results indicate that respondents who pay for…

  20. Big Data in der Cloud

    DEFF Research Database (Denmark)

    Leimbach, Timo; Bachlechner, Daniel

    2014-01-01

    Technology assessment of big data, in particular cloud based big data services, for the Office for Technology Assessment at the German federal parliament (Bundestag)......Technology assessment of big data, in particular cloud based big data services, for the Office for Technology Assessment at the German federal parliament (Bundestag)...

  1. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

    OpenAIRE

    Masami Imai; Peter Hull

    2012-01-01

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

  3. An analysis of cross-sectional differences in big and non-big public accounting firms' audit programs

    NARCIS (Netherlands)

    Blokdijk, J.H. (Hans); Drieenhuizen, F.; Stein, M.T.; Simunic, D.A.

    2006-01-01

    A significant body of prior research has shown that audits by the Big 5 (now Big 4) public accounting firms are quality differentiated relative to non-Big 5 audits. This result can be derived analytically by assuming that Big 5 and non-Big 5 firms face different loss functions for "audit failures"

  4. Big Data is invading big places as CERN

    CERN Multimedia

    CERN. Geneva

    2017-01-01

    Big Data technologies are becoming more popular with the constant grow of data generation in different fields such as social networks, internet of things and laboratories like CERN. How is CERN making use of such technologies? How machine learning is applied at CERN with Big Data technologies? How much data we move and how it is analyzed? All these questions will be answered during the talk.

  5. The big bang

    International Nuclear Information System (INIS)

    Chown, Marcus.

    1987-01-01

    The paper concerns the 'Big Bang' theory of the creation of the Universe 15 thousand million years ago, and traces events which physicists predict occurred soon after the creation. Unified theory of the moment of creation, evidence of an expanding Universe, the X-boson -the particle produced very soon after the big bang and which vanished from the Universe one-hundredth of a second after the big bang, and the fate of the Universe, are all discussed. (U.K.)

  6. 28 CFR 551.108 - Performance pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Performance pay. 551.108 Section 551.108 Judicial Administration BUREAU OF PRISONS, DEPARTMENT OF JUSTICE INSTITUTIONAL MANAGEMENT MISCELLANEOUS Pretrial Inmates § 551.108 Performance pay. The Warden may approve a pretrial inmate for performance pay...

  7. The Effect of Work Stress to Employee Performance at Bank Rakyat Indonesia in Manado Branch

    OpenAIRE

    Paputungan, Fitryah

    2013-01-01

    Stress is a common element in any kind of job and people face it in almost every walk of life. In the banking sector particularly, higher management do not realize the impact of stress on employee performance which ultimately results in critical managerial dilemmas. Work overload & time pressure to complete too much work in short span of time is big source of stress which decrease the performance of employees. The purpose of this research are to analyze the influence of work stress on employe...

  8. 28 CFR 345.59 - Inmate performance pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Inmate performance pay. 345.59 Section... INDUSTRIES (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.59 Inmate performance pay. Inmate workers for FPI may also receive Inmate Performance Pay for participation in programs where this award is made...

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

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

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

  10. Small Big Data Congress 2017

    NARCIS (Netherlands)

    Doorn, J.

    2017-01-01

    TNO, in collaboration with the Big Data Value Center, presents the fourth Small Big Data Congress! Our congress aims at providing an overview of practical and innovative applications based on big data. Do you want to know what is happening in applied research with big data? And what can already be

  11. Big data opportunities and challenges

    CERN Document Server

    2014-01-01

    This ebook aims to give practical guidance for all those who want to understand big data better and learn how to make the most of it. Topics range from big data analysis, mobile big data and managing unstructured data to technologies, governance and intellectual property and security issues surrounding big data.

  12. Cooperation or Competition: An Evolutionary Game Study between Commercial Banks and Big Data-Based E-Commerce Financial Institutions in China

    Directory of Open Access Journals (Sweden)

    Yi Zhao

    2015-01-01

    Full Text Available On the premise of participants’ bounded rationality and information asymmetry, this paper focuses on the cooperation or competition relationship between Chinese e-commerce financial institutions and commercial banks from the perspective of dynamic game. Theoretical mathematical model is built to analyze an evolutionary stable strategy under different conditions. We adopt real-life data set collected in Alibaba’s network credit loan business case and Jingdong’s supply chain financing business case to verify the evolution process of cooperation and competition relationship. The results show that (cooperation, cooperation is bound to be the evolutionary stable strategy (ESS and cooperation tends to be increasingly in-depth and expansive for commercial banks as well as e-commerce financial institutions in China. The complementarity of participants’ core competitiveness is explored as the root of cooperation. Finally, strategic suggestions are put forward on cooperation between e-commerce financial institutions and commercial banks.

  13. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

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

  14. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

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

  15. Big Data and Neuroimaging.

    Science.gov (United States)

    Webb-Vargas, Yenny; Chen, Shaojie; Fisher, Aaron; Mejia, Amanda; Xu, Yuting; Crainiceanu, Ciprian; Caffo, Brian; Lindquist, Martin A

    2017-12-01

    Big Data are of increasing importance in a variety of areas, especially in the biosciences. There is an emerging critical need for Big Data tools and methods, because of the potential impact of advancements in these areas. Importantly, statisticians and statistical thinking have a major role to play in creating meaningful progress in this arena. We would like to emphasize this point in this special issue, as it highlights both the dramatic need for statistical input for Big Data analysis and for a greater number of statisticians working on Big Data problems. We use the field of statistical neuroimaging to demonstrate these points. As such, this paper covers several applications and novel methodological developments of Big Data tools applied to neuroimaging data.

  16. Big Data; A Management Revolution : The emerging role of big data in businesses

    OpenAIRE

    Blasiak, Kevin

    2014-01-01

    Big data is a term that was coined in 2012 and has since then emerged to one of the top trends in business and technology. Big data is an agglomeration of different technologies resulting in data processing capabilities that have been unreached before. Big data is generally characterized by 4 factors. Volume, velocity and variety. These three factors distinct it from the traditional data use. The possibilities to utilize this technology are vast. Big data technology has touch points in differ...

  17. 28 CFR 0.145 - Overtime pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Overtime pay. 0.145 Section 0.145... Respect to Personnel and Certain Administrative Matters § 0.145 Overtime pay. The Director of the Federal... Attorney General may prescribe, authorize overtime pay (including additional compensation in lieu of...

  18. Factors Affecting the Financing of Profitability Using Non Performing Financing as Moderating Variable in Sharia Business Unit of Bank Sumut (Bank of North Sumatera in North Sumatera

    Directory of Open Access Journals (Sweden)

    Rahmad Hidayat

    2018-03-01

    Full Text Available Shariah financing has also various kinds of agreement. Its fund has be distributed to low risky sector in order to produce the optimal income in the preparation of Bank Sumut UUS for spin off in 2018. The objective of the research was to analyze the influence of Third Party Fund and CAR on Financing and the influence of Third Party Fund, CAR and ROA as well as to test the significance of Non Performing Financing as the moderating varable on ROA. The sample of the research included 5 (five Branch Offices on Bank Sumut UUS by taking the annual final statements from 2010 until 2015. The instruments used were regression method of panel data, regression method of moderating and path analysis using EViews software. The Third Party Fund did not have any significant influence on ROA with financing as the intervening variable, and neither did CAR on ROA with financing as the moderating variable, had insignificant influence on ROA statistically. Moreover, the Third Party Fund, CAR and Financing had insignificant influence statistically at significant level 5% on ROA with Non Performing Financing as the moderating variable. The implication of this research was that Bank Sumut UUS had to pay attention to the financing risk to make optimal profit s well as micro an macro economic factors for financing provided for productivity an consumer.

  19. 5 CFR 9901.364 - Foreign language proficiency pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Foreign language proficiency pay. 9901... NATIONAL SECURITY PERSONNEL SYSTEM (NSPS) Pay and Pay Administration Premium Pay § 9901.364 Foreign language proficiency pay. (a) General provisions. (1) This section applies to employees who may be paid...

  20. Gender Pay Gap in Poland

    OpenAIRE

    Oczki, Jarosław

    2016-01-01

    The aim of the article is to investigate the actual and explained gender pay gaps in Poland in comparison with selected highly developed countries, and to discuss the factors determining wage disparities between men and women. Data from Eurostat EU-SILC and the International Labour Organization were used. The article concludes that the gender pay gap in Poland is relatively small and decreasing, and that estimates of the explained gender pay gap published by the Internationa...

  1. Social big data mining

    CERN Document Server

    Ishikawa, Hiroshi

    2015-01-01

    Social Media. Big Data and Social Data. Hypotheses in the Era of Big Data. Social Big Data Applications. Basic Concepts in Data Mining. Association Rule Mining. Clustering. Classification. Prediction. Web Structure Mining. Web Content Mining. Web Access Log Mining, Information Extraction and Deep Web Mining. Media Mining. Scalability and Outlier Detection.

  2. A trajetória do Banco do Brasil no período recente, 2001-2006: banco público ou banco estatal "privado"? The recent path of the bank of Brazil, 2001-2006: public bank or "private" state-owned bank?

    Directory of Open Access Journals (Sweden)

    Rogerio Pereira de Andrade

    2009-04-01

    Full Text Available O objetivo deste texto é avaliar a performance do Banco do Brasil (BB no período 2001-2006, enfatizando os seguintes aspectos: O desempenho do BB correspondeu ao de um banco público tradicional que atua como um importante instrumento de governo para a promoção do desenvolvimento? Ou, ao invés disso, a trajetória recente do banco pode ser caracterizada pelo reforço de uma lógica privada de atuação? O texto procura levantar algumas questões relativas ao papel do Estado na atividade econômica, particularmente o papel que um grande banco estatal pode e deve ter para financiar o desenvolvimento em um país periférico (e desigual como o Brasil. A conclusão mais geral é que, desde meados dos anos 1980, o Banco do Brasil tem perdido crescentemente a função básica que costumava exercer como banco público.The purpose of this paper is to assess the performance of the Bank of Brazil (BB in the 2001-2006 period, with a focus on the following aspects: has the BB actually performed the role of a typical public bank, functioning as an important instrument to foster development in Brazil? Or, instead, has its recent path been characterised by the reinforcement of a private logic of behaviour? The paper aims at raising a few questions regarding the role of the state in the economic activity, particularly the role that a big state-owned bank can and must perform to finance development in a peripheral (and unequal country like Brazil. The general conclusion is that, since the mid-80s, the BB has increasingly lost the key function that it formerly exerted as a public bank. A distinct pattern of behaviour has emerged, characterised by the bank's transformation into a "more private, less public" institution.

  3. Does it pay to have a network contact? Social network ties, workplace racial context, and pay outcomes.

    Science.gov (United States)

    Kmec, Julie A; Trimble, Lindsey B

    2009-06-01

    This article investigates how social network use to find work affects pay. Analyses using the Multi-City Study of Urban Inequality consider the extent to which a network contact's influence level affects a job applicant's pay, whether this effect differs for white, black, and Latino contacts, and how workplace racial context moderates this relationship. Three main findings emerge. First, having an influential contact--one with hiring authority--compared to having no contact yields higher pay. Second, white and minority contact influence on pay differs: among minority contacts, being an outsider (i.e., someone not employed by the firm to which the applicant applies) is associated with higher pay, but being an employee of the firm--an insider--is not. Third, regardless of workplace racial context, black and Latino contacts' influence is most beneficial when their race/ethnicity is not known to the hiring agent. We offer a new interpretation of the mixed findings with regard to the relationship between social network use and pay.

  4. 4 CFR 5.3 - Merit pay.

    Science.gov (United States)

    2010-01-01

    ... 4 Accounts 1 2010-01-01 2010-01-01 false Merit pay. 5.3 Section 5.3 Accounts GOVERNMENT ACCOUNTABILITY OFFICE PERSONNEL SYSTEM COMPENSATION § 5.3 Merit pay. The Comptroller General may promulgate regulations establishing a merit pay system for such employees of the Government Accountability Office as the...

  5. Cryptography for Big Data Security

    Science.gov (United States)

    2015-07-13

    Cryptography for Big Data Security Book Chapter for Big Data: Storage, Sharing, and Security (3S) Distribution A: Public Release Ariel Hamlin1 Nabil...Email: arkady@ll.mit.edu ii Contents 1 Cryptography for Big Data Security 1 1.1 Introduction...48 Chapter 1 Cryptography for Big Data Security 1.1 Introduction With the amount

  6. Data: Big and Small.

    Science.gov (United States)

    Jones-Schenk, Jan

    2017-02-01

    Big data is a big topic in all leadership circles. Leaders in professional development must develop an understanding of what data are available across the organization that can inform effective planning for forecasting. Collaborating with others to integrate data sets can increase the power of prediction. Big data alone is insufficient to make big decisions. Leaders must find ways to access small data and triangulate multiple types of data to ensure the best decision making. J Contin Educ Nurs. 2017;48(2):60-61. Copyright 2017, SLACK Incorporated.

  7. Big Data Revisited

    DEFF Research Database (Denmark)

    Kallinikos, Jannis; Constantiou, Ioanna

    2015-01-01

    We elaborate on key issues of our paper New games, new rules: big data and the changing context of strategy as a means of addressing some of the concerns raised by the paper’s commentators. We initially deal with the issue of social data and the role it plays in the current data revolution...... and the technological recording of facts. We further discuss the significance of the very mechanisms by which big data is produced as distinct from the very attributes of big data, often discussed in the literature. In the final section of the paper, we qualify the alleged importance of algorithms and claim...... that the structures of data capture and the architectures in which data generation is embedded are fundamental to the phenomenon of big data....

  8. Pengembangan Model Fungsi Sosial Bisnis Islam Berdasarkan Maqashid Syariah Pada Bank Syariah X

    Directory of Open Access Journals (Sweden)

    Muhammad Nafik

    2016-06-01

    Full Text Available Abstract The purpose of this study was to determine the concept of the social function of business model development Islam, especially Islamic Bank X based maqashid sharia, practice development of the social functions of Islamic business models based on the sharia maqashid Islamic Bank X, and the impact of the development of the social functions of Islamic business models based on the quality of sharia maqashid life of the community. This study uses descriptive qualitative research methodology case study method (case study. Criteria informant was branch manager, supervisor, and citizens who have been the target/target activities of social function. The sampling technique is done with purposive sampling and snowball sampling. These results indicate that the concept of the social function of business model development Islam, especially Islamic Bank X based maqashid sharia has had an important role in creating justice and prosperity based on the principles of Shari’ah maqashid especially the external community. Practice development of the social function of the business model of Islam based on sharia maqashid has had a big role in terms of fighting and reduce disorientation in religion (hifdhud-din, the maintenance of stupidity (hifdhul-’aqal, terjauhkannya of poverty (hifdhul maal, has a good offspring (hifdhun-nasl, and maintaining a healthy soul (hifhdun-nafs, and the impact of the development of the social function of the business model of Islamic sharia maqashid based not only on improving the quality of life of citizens around the location of Bank Syariah X which has a weak economy, but also an impact positively to the image of the Islamic Bank X in the minds of customers and other parts of society.

  9. Big Data in industry

    Science.gov (United States)

    Latinović, T. S.; Preradović, D. M.; Barz, C. R.; Latinović, M. T.; Petrica, P. P.; Pop-Vadean, A.

    2016-08-01

    The amount of data at the global level has grown exponentially. Along with this phenomena, we have a need for a new unit of measure like exabyte, zettabyte, and yottabyte as the last unit measures the amount of data. The growth of data gives a situation where the classic systems for the collection, storage, processing, and visualization of data losing the battle with a large amount, speed, and variety of data that is generated continuously. Many of data that is created by the Internet of Things, IoT (cameras, satellites, cars, GPS navigation, etc.). It is our challenge to come up with new technologies and tools for the management and exploitation of these large amounts of data. Big Data is a hot topic in recent years in IT circles. However, Big Data is recognized in the business world, and increasingly in the public administration. This paper proposes an ontology of big data analytics and examines how to enhance business intelligence through big data analytics as a service by presenting a big data analytics services-oriented architecture. This paper also discusses the interrelationship between business intelligence and big data analytics. The proposed approach in this paper might facilitate the research and development of business analytics, big data analytics, and business intelligence as well as intelligent agents.

  10. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

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

  11. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

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

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

    Science.gov (United States)

    2013-06-28

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

  13. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

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

  14. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  15. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  16. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

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

  17. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

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

  18. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

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

  19. 78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-03

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

  20. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

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

  1. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

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

  2. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

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

  3. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

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

  4. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

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

  5. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

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

  6. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

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

  7. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

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

  8. 78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-29

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

  9. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

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

  10. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

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

  11. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

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

  12. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

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

  13. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

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

  14. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

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

  15. 77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-17

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

  16. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

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

  17. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

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

  18. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

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

  19. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

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

  20. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

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

  1. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

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

  2. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

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

  3. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

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

  4. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

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

  5. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

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

  6. 77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-16

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

  7. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

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

  8. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

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

  9. 78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-15

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

  10. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

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

  11. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

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

  12. 77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-02

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

  13. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

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

  14. Big Data Analytics An Overview

    Directory of Open Access Journals (Sweden)

    Jayshree Dwivedi

    2015-08-01

    Full Text Available Big data is a data beyond the storage capacity and beyond the processing power is called big data. Big data term is used for data sets its so large or complex that traditional data it involves data sets with sizes. Big data size is a constantly moving target year by year ranging from a few dozen terabytes to many petabytes of data means like social networking sites the amount of data produced by people is growing rapidly every year. Big data is not only a data rather it become a complete subject which includes various tools techniques and framework. It defines the epidemic possibility and evolvement of data both structured and unstructured. Big data is a set of techniques and technologies that require new forms of assimilate to uncover large hidden values from large datasets that are diverse complex and of a massive scale. It is difficult to work with using most relational database management systems and desktop statistics and visualization packages exacting preferably massively parallel software running on tens hundreds or even thousands of servers. Big data environment is used to grab organize and resolve the various types of data. In this paper we describe applications problems and tools of big data and gives overview of big data.

  15. Soil biogeochemistry in the age of big data

    Science.gov (United States)

    Cécillon, Lauric; Barré, Pierre; Coissac, Eric; Plante, Alain; Rasse, Daniel

    2015-04-01

    Data is becoming one of the key resource of the XXIst century. Soil biogeochemistry is not spared by this new movement. The conservation of soils and their services recently came into the political agenda. However, clear knowledge on the links between soil characteristics and the various processes ensuring the provision of soil services is rare at the molecular or the plot scale, and does not exist at the landscape scale. This split between society's expectations on its natural capital, and scientific knowledge on the most complex material on earth has lead to an increasing number of studies on soils, using an increasing number of techniques of increasing complexity, with an increasing spatial and temporal coverage. From data scarcity with a basic data management system, soil biogeochemistry is now facing a proliferation of data, with few quality controls from data collection to publication and few skills to deal with them. Based on this observation, here we (1) address how big data could help in making sense of all these soil biogeochemical data, (2) point out several shortcomings of big data that most biogeochemists will experience in their future career. Massive storage of data is now common and recent opportunities for cloud storage enables data sharing among researchers all over the world. The need for integrative and collaborative computational databases in soil biogeochemistry is emerging through pioneering initiatives in this direction (molTERdb; earthcube), following soil microbiologists (GenBank). We expect that a series of data storage and management systems will rapidly revolutionize the way of accessing raw biogeochemical data, published or not. Data mining techniques combined with cluster or cloud computing hold significant promises for facilitating the use of complex analytical methods, and for revealing new insights previously hidden in complex data on soil mineralogy, organic matter and biodiversity. Indeed, important scientific advances have

  16. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Rudy Haryanto Rudy Haryanto

    2012-07-01

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

  18. Urbanising Big

    DEFF Research Database (Denmark)

    Ljungwall, Christer

    2013-01-01

    Development in China raises the question of how big a city can become, and at the same time be sustainable, writes Christer Ljungwall of the Swedish Agency for Growth Policy Analysis.......Development in China raises the question of how big a city can become, and at the same time be sustainable, writes Christer Ljungwall of the Swedish Agency for Growth Policy Analysis....

  19. Big bang nucleosynthesis

    International Nuclear Information System (INIS)

    Boyd, Richard N.

    2001-01-01

    The precision of measurements in modern cosmology has made huge strides in recent years, with measurements of the cosmic microwave background and the determination of the Hubble constant now rivaling the level of precision of the predictions of big bang nucleosynthesis. However, these results are not necessarily consistent with the predictions of the Standard Model of big bang nucleosynthesis. Reconciling these discrepancies may require extensions of the basic tenets of the model, and possibly of the reaction rates that determine the big bang abundances

  20. Does obfuscating excessive CEO pay work? The influence of remuneration report readability on say-on-pay votes

    NARCIS (Netherlands)

    Hooghiemstra, Reggy; Kuang, Yu Flora; Qin, Bo

    2017-01-01

    This paper assesses whether reducing ‘readability’ is an effective obfuscation strategy for influencing the level of shareholder say-on-pay voting dissent in firms with excessive CEO pay. Based on a sample of UK-listed firms, our results indicate that in cases of excessive CEO pay, a less readable

  1. 5 CFR 870.204 - Annual rates of pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Annual rates of pay. 870.204 Section 870... rates of pay. (a) (1) An insured employee's annual pay is his/her annual rate of basic pay as fixed by law or regulation. (2) Annual pay for this purpose includes the following: (i) Interim geographic...

  2. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  3. 5 CFR 534.604 - Pay administration.

    Science.gov (United States)

    2010-01-01

    ... equals or exceeds the rate of basic pay the employee received immediately prior to such appointment, not... that equals or exceeds the employee's highest previous rate of basic pay in a Federal civil service.... Advancement to a higher rate takes effect on the first day of the first pay period beginning on or after...

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

    Science.gov (United States)

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

    2007-01-01

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

  5. The ethics of big data in big agriculture

    OpenAIRE

    Carbonell (Isabelle M.)

    2016-01-01

    This paper examines the ethics of big data in agriculture, focusing on the power asymmetry between farmers and large agribusinesses like Monsanto. Following the recent purchase of Climate Corp., Monsanto is currently the most prominent biotech agribusiness to buy into big data. With wireless sensors on tractors monitoring or dictating every decision a farmer makes, Monsanto can now aggregate large quantities of previously proprietary farming data, enabling a privileged position with unique in...

  6. The development of customers’ satisfaction in the banking sector of Slovakia in the turbulent economic environment

    Directory of Open Access Journals (Sweden)

    Jaroslav Belás

    2013-01-01

    Full Text Available Satisfaction of bank’s customers presents important area of building of long-term relationships with the client, which significantly determines the financial performance of commercial banks through successful business. Satisfied customer buy bank’s products, is willing to pay also higher price for the product or service and represents some form of free advertising and considerable less effort, time and money needed for keep him, than to get a new one. This article presents current situation in the banking sector in Slovakia and quantifies changes in the area of customer satisfaction, which occurred during the financial and economic crisis. Customer satisfaction research has been conducted through a questionnaire survey. First research has been carried out on the first half of 2008 on the sample of 298 respondents, ie. the time before the financial crisis. In that time, the greatest satisfaction has been assigned to the availability of bank’s products and services, and the greatest dissatisfaction has been expressed by respondents to the prices of banking products and services. In 2012, this research has been conducted on the sample of 320 respondents. The change of satisfaction factors, respectively dissatisfied bank’s customers compared with 2008 has been investigated by standard statistical methods. Results of our research in 2012 showed satisfaction reduction of bank customers and also changes in respondents’ preferences of the perception of satisfaction factors, respectively dissatisfaction in relation to commercial banks.

  7. 20 CFR 218.28 - Sick pay.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Sick pay. 218.28 Section 218.28 Employees... Beginning Date § 218.28 Sick pay. (a) From railroad employer. If the employee is carried on the payroll while sick, the annuity can begin no earlier than the day after the last day of sick pay. However, sick...

  8. Fisherman expectations and pay-lake profits

    Science.gov (United States)

    George H. Moeller; John Engelken; John Engelken

    1973-01-01

    Personal interviews with licensed fishermen in Central New York State were used to determine characteristics of fishermen who are willing to pay to fish. Willingness to pay was related to aspects of the fishing experience that most strongly influenced fishing enjoyment. Sixty-two percent of the respondents expressed a willingness to pay for a quality fishing experience...

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

    Directory of Open Access Journals (Sweden)

    Virimai Mugobo

    2015-11-01

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

  10. The big data-big model (BDBM) challenges in ecological research

    Science.gov (United States)

    Luo, Y.

    2015-12-01

    The field of ecology has become a big-data science in the past decades due to development of new sensors used in numerous studies in the ecological community. Many sensor networks have been established to collect data. For example, satellites, such as Terra and OCO-2 among others, have collected data relevant on global carbon cycle. Thousands of field manipulative experiments have been conducted to examine feedback of terrestrial carbon cycle to global changes. Networks of observations, such as FLUXNET, have measured land processes. In particular, the implementation of the National Ecological Observatory Network (NEON), which is designed to network different kinds of sensors at many locations over the nation, will generate large volumes of ecological data every day. The raw data from sensors from those networks offer an unprecedented opportunity for accelerating advances in our knowledge of ecological processes, educating teachers and students, supporting decision-making, testing ecological theory, and forecasting changes in ecosystem services. Currently, ecologists do not have the infrastructure in place to synthesize massive yet heterogeneous data into resources for decision support. It is urgent to develop an ecological forecasting system that can make the best use of multiple sources of data to assess long-term biosphere change and anticipate future states of ecosystem services at regional and continental scales. Forecasting relies on big models that describe major processes that underlie complex system dynamics. Ecological system models, despite great simplification of the real systems, are still complex in order to address real-world problems. For example, Community Land Model (CLM) incorporates thousands of processes related to energy balance, hydrology, and biogeochemistry. Integration of massive data from multiple big data sources with complex models has to tackle Big Data-Big Model (BDBM) challenges. Those challenges include interoperability of multiple

  11. A Big Video Manifesto

    DEFF Research Database (Denmark)

    Mcilvenny, Paul Bruce; Davidsen, Jacob

    2017-01-01

    and beautiful visualisations. However, we also need to ask what the tools of big data can do both for the Humanities and for more interpretative approaches and methods. Thus, we prefer to explore how the power of computation, new sensor technologies and massive storage can also help with video-based qualitative......For the last few years, we have witnessed a hype about the potential results and insights that quantitative big data can bring to the social sciences. The wonder of big data has moved into education, traffic planning, and disease control with a promise of making things better with big numbers...

  12. Identifying Dwarfs Workloads in Big Data Analytics

    OpenAIRE

    Gao, Wanling; Luo, Chunjie; Zhan, Jianfeng; Ye, Hainan; He, Xiwen; Wang, Lei; Zhu, Yuqing; Tian, Xinhui

    2015-01-01

    Big data benchmarking is particularly important and provides applicable yardsticks for evaluating booming big data systems. However, wide coverage and great complexity of big data computing impose big challenges on big data benchmarking. How can we construct a benchmark suite using a minimum set of units of computation to represent diversity of big data analytics workloads? Big data dwarfs are abstractions of extracting frequently appearing operations in big data computing. One dwarf represen...

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

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  14. The Determinants of Audit Fees in Rural And Community Banks in Ghana: An Empirical Analysis

    Directory of Open Access Journals (Sweden)

    YALLEY Mavis Patience

    2013-07-01

    An increase in total assets by one unit will increase the estimated audit fees while an increase in the employee number by one unit (one employee will likewise increase the estimated audit fee. However, within the context of auditing in rural and community banks in Ghana an increase in the profit by one unit will decrease the estimated audit fees and then being audited by one of the Big four(4 auditing firms (namely PricewaterhouseCoopers, Deloitte & Touche Tohmatsu Limited, Ernst & Young (EY and KPMG will decrease the estimated audit fees.

  15. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Mohammad Nazim Uddin

    2018-01-01

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

  17. Applications of Big Data in Education

    OpenAIRE

    Faisal Kalota

    2015-01-01

    Big Data and analytics have gained a huge momentum in recent years. Big Data feeds into the field of Learning Analytics (LA) that may allow academic institutions to better understand the learners' needs and proactively address them. Hence, it is important to have an understanding of Big Data and its applications. The purpose of this descriptive paper is to provide an overview of Big Data, the technologies used in Big Data, and some of the applications of Big Data in educa...

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

    Directory of Open Access Journals (Sweden)

    Florin Alexandru LUCA

    2016-06-01

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

  19. ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  20. Big Data Semantics

    NARCIS (Netherlands)

    Ceravolo, Paolo; Azzini, Antonia; Angelini, Marco; Catarci, Tiziana; Cudré-Mauroux, Philippe; Damiani, Ernesto; Mazak, Alexandra; van Keulen, Maurice; Jarrar, Mustafa; Santucci, Giuseppe; Sattler, Kai-Uwe; Scannapieco, Monica; Wimmer, Manuel; Wrembel, Robert; Zaraket, Fadi

    2018-01-01

    Big Data technology has discarded traditional data modeling approaches as no longer applicable to distributed data processing. It is, however, largely recognized that Big Data impose novel challenges in data and infrastructure management. Indeed, multiple components and procedures must be

  1. GenBank

    OpenAIRE

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

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  3. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  4. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

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

  5. Comparative validity of brief to medium-length Big Five and Big Six personality questionnaires

    NARCIS (Netherlands)

    Thalmayer, A.G.; Saucier, G.; Eigenhuis, A.

    2011-01-01

    A general consensus on the Big Five model of personality attributes has been highly generative for the field of personality psychology. Many important psychological and life outcome correlates with Big Five trait dimensions have been established. But researchers must choose between multiple Big Five

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

    OpenAIRE

    Dr. S. Anthony Rahul Golden

    2016-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

    Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank.  Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Yen Sun

    2011-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Muhammad Shakil AHMAD

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  12. Pay Dispersion and Performance in Teams

    Science.gov (United States)

    Bucciol, Alessandro; Foss, Nicolai J.; Piovesan, Marco

    2014-01-01

    Extant research offers conflicting predictions about the effect of pay dispersion on team performance. We collected a unique dataset from the Italian soccer league to study the effect of intra-firm pay dispersion on team performance, under different definitions of what constitutes a “team”. This peculiarity of our dataset can explain the conflicting evidence. Indeed, we also find positive, null, and negative effects of pay dispersion on team performance, using the same data but different definitions of team. Our results show that when the team is considered to consist of only the members who directly contribute to the outcome, high pay dispersion has a detrimental impact on team performance. Enlarging the definition of the team causes this effect to disappear or even change direction. Finally, we find that the detrimental effect of pay dispersion is due to worse individual performance, rather than a reduction of team cooperation. PMID:25397615

  13. Take-or-Pay under Japanese energy policy

    International Nuclear Information System (INIS)

    Namikawa, Ryoichi

    2003-01-01

    Japan has tried to increase the import of liquefied natural gas (LNG) because of the nation's fragile energy supply structure. In Japan, almost all LNG is imported under long-term contracts with a Take-or-Pay clause, although buyers assume considerable risk under such a clause. This paper tries to determine why the Take-or-Pay clause has been retained in LNG import contracts in Japan, focusing on the relation between Take-or-Pay and energy security policy. It is found that the government has not pursued a consistent, consecutive policy on Take-or-Pay under the changing energy situation after oil crises. On the one hand, the government has accepted Take-or-Pay because it secures a stable supply of LNG, but on the other hand, it has tried to scrap Take-or-Pay in order to reduce buyers' risk. Furthermore, it was not until the middle/late 1990s that the government implemented deregulation. It is concluded that the government's energy security policy has played an important role in keeping Take-or-Pay in Japan

  14. Big data need big theory too.

    Science.gov (United States)

    Coveney, Peter V; Dougherty, Edward R; Highfield, Roger R

    2016-11-13

    The current interest in big data, machine learning and data analytics has generated the widespread impression that such methods are capable of solving most problems without the need for conventional scientific methods of inquiry. Interest in these methods is intensifying, accelerated by the ease with which digitized data can be acquired in virtually all fields of endeavour, from science, healthcare and cybersecurity to economics, social sciences and the humanities. In multiscale modelling, machine learning appears to provide a shortcut to reveal correlations of arbitrary complexity between processes at the atomic, molecular, meso- and macroscales. Here, we point out the weaknesses of pure big data approaches with particular focus on biology and medicine, which fail to provide conceptual accounts for the processes to which they are applied. No matter their 'depth' and the sophistication of data-driven methods, such as artificial neural nets, in the end they merely fit curves to existing data. Not only do these methods invariably require far larger quantities of data than anticipated by big data aficionados in order to produce statistically reliable results, but they can also fail in circumstances beyond the range of the data used to train them because they are not designed to model the structural characteristics of the underlying system. We argue that it is vital to use theory as a guide to experimental design for maximal efficiency of data collection and to produce reliable predictive models and conceptual knowledge. Rather than continuing to fund, pursue and promote 'blind' big data projects with massive budgets, we call for more funding to be allocated to the elucidation of the multiscale and stochastic processes controlling the behaviour of complex systems, including those of life, medicine and healthcare.This article is part of the themed issue 'Multiscale modelling at the physics-chemistry-biology interface'. © 2015 The Authors.

  15. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  16. Hydraulic survey and scour assessment of Bridge 524, Tanana River at Big Delta, Alaska

    Science.gov (United States)

    Heinrichs, Thomas A.; Langley, Dustin E.; Burrows, Robert L.; Conaway, Jeffrey S.

    2007-01-01

    Bathymetric and hydraulic data were collected August 26–28, 1996, on the Tanana River at Big Delta, Alaska, at the Richardson Highway bridge and Trans-Alaska Pipeline crossing. Erosion along the right (north) bank of the river between the bridge and the pipeline crossing prompted the data collection. A water-surface profile hydraulic model for the 100- and 500-year recurrence-interval floods was developed using surveyed information. The Delta River enters the Tanana immediately downstream of the highway bridge, causing backwater that extends upstream of the bridge. Four scenarios were considered to simulate the influence of the backwater on flow through the bridge. Contraction and pier scour were computed from model results. Computed values of pier scour were large, but the scour during a flood may actually be less because of mitigating factors. No bank erosion was observed at the time of the survey, a low-flow period. Erosion is likely to occur during intermediate or high flows, but the actual erosion processes are unknown at this time.

  17. Big Data and medicine: a big deal?

    Science.gov (United States)

    Mayer-Schönberger, V; Ingelsson, E

    2018-05-01

    Big Data promises huge benefits for medical research. Looking beyond superficial increases in the amount of data collected, we identify three key areas where Big Data differs from conventional analyses of data samples: (i) data are captured more comprehensively relative to the phenomenon under study; this reduces some bias but surfaces important trade-offs, such as between data quantity and data quality; (ii) data are often analysed using machine learning tools, such as neural networks rather than conventional statistical methods resulting in systems that over time capture insights implicit in data, but remain black boxes, rarely revealing causal connections; and (iii) the purpose of the analyses of data is no longer simply answering existing questions, but hinting at novel ones and generating promising new hypotheses. As a consequence, when performed right, Big Data analyses can accelerate research. Because Big Data approaches differ so fundamentally from small data ones, research structures, processes and mindsets need to adjust. The latent value of data is being reaped through repeated reuse of data, which runs counter to existing practices not only regarding data privacy, but data management more generally. Consequently, we suggest a number of adjustments such as boards reviewing responsible data use, and incentives to facilitate comprehensive data sharing. As data's role changes to a resource of insight, we also need to acknowledge the importance of collecting and making data available as a crucial part of our research endeavours, and reassess our formal processes from career advancement to treatment approval. © 2017 The Association for the Publication of the Journal of Internal Medicine.

  18. E-COMMERCE WITH ONLINE PAYMENT THROUGH BANK CARD

    Directory of Open Access Journals (Sweden)

    OANA ŞEITAN

    2010-01-01

    Full Text Available The e-commerce has become a routine part of human life because it offers major advantages: convenience (it’s no longer necessary to visit a store to be able to shop, efficiency (the buyer can visit several virtual shops in a very short time, the crowd of shops and the frustration caused by the lack of parking spaces available can be avoided, the customer can choose and compare the desired products taking in consideration a set of characteristics such as price, grammage, color, delivery dat, etc. and the development of secure solutions for online payment (through: bank cards, ePay, cybercash, SmartCard, electronic funds transfer, Ecash. In the last decade, the electronic payment systems have been improved, reaching high levels of security and speed, acquiring a private, confidential, decentralization and internationalization character.

  19. Assessing Big Data

    DEFF Research Database (Denmark)

    Leimbach, Timo; Bachlechner, Daniel

    2015-01-01

    In recent years, big data has been one of the most controversially discussed technologies in terms of its possible positive and negative impact. Therefore, the need for technology assessments is obvious. This paper first provides, based on the results of a technology assessment study, an overview...... of the potential and challenges associated with big data and then describes the problems experienced during the study as well as methods found helpful to address them. The paper concludes with reflections on how the insights from the technology assessment study may have an impact on the future governance of big...... data....

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

    Directory of Open Access Journals (Sweden)

    ELENA SILVIA DINCULESCU

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

  2. Big data, big responsibilities

    Directory of Open Access Journals (Sweden)

    Primavera De Filippi

    2014-01-01

    Full Text Available Big data refers to the collection and aggregation of large quantities of data produced by and about people, things or the interactions between them. With the advent of cloud computing, specialised data centres with powerful computational hardware and software resources can be used for processing and analysing a humongous amount of aggregated data coming from a variety of different sources. The analysis of such data is all the more valuable to the extent that it allows for specific patterns to be found and new correlations to be made between different datasets, so as to eventually deduce or infer new information, as well as to potentially predict behaviours or assess the likelihood for a certain event to occur. This article will focus specifically on the legal and moral obligations of online operators collecting and processing large amounts of data, to investigate the potential implications of big data analysis on the privacy of individual users and on society as a whole.

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

    Directory of Open Access Journals (Sweden)

    Selly Maulina

    2016-12-01

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

  4. Comparative validity of brief to medium-length Big Five and Big Six Personality Questionnaires.

    Science.gov (United States)

    Thalmayer, Amber Gayle; Saucier, Gerard; Eigenhuis, Annemarie

    2011-12-01

    A general consensus on the Big Five model of personality attributes has been highly generative for the field of personality psychology. Many important psychological and life outcome correlates with Big Five trait dimensions have been established. But researchers must choose between multiple Big Five inventories when conducting a study and are faced with a variety of options as to inventory length. Furthermore, a 6-factor model has been proposed to extend and update the Big Five model, in part by adding a dimension of Honesty/Humility or Honesty/Propriety. In this study, 3 popular brief to medium-length Big Five measures (NEO Five Factor Inventory, Big Five Inventory [BFI], and International Personality Item Pool), and 3 six-factor measures (HEXACO Personality Inventory, Questionnaire Big Six Scales, and a 6-factor version of the BFI) were placed in competition to best predict important student life outcomes. The effect of test length was investigated by comparing brief versions of most measures (subsets of items) with original versions. Personality questionnaires were administered to undergraduate students (N = 227). Participants' college transcripts and student conduct records were obtained 6-9 months after data was collected. Six-factor inventories demonstrated better predictive ability for life outcomes than did some Big Five inventories. Additional behavioral observations made on participants, including their Facebook profiles and cell-phone text usage, were predicted similarly by Big Five and 6-factor measures. A brief version of the BFI performed surprisingly well; across inventory platforms, increasing test length had little effect on predictive validity. Comparative validity of the models and measures in terms of outcome prediction and parsimony is discussed.

  5. Big Machines and Big Science: 80 Years of Accelerators at Stanford

    Energy Technology Data Exchange (ETDEWEB)

    Loew, Gregory

    2008-12-16

    Longtime SLAC physicist Greg Loew will present a trip through SLAC's origins, highlighting its scientific achievements, and provide a glimpse of the lab's future in 'Big Machines and Big Science: 80 Years of Accelerators at Stanford.'

  6. Dual of big bang and big crunch

    International Nuclear Information System (INIS)

    Bak, Dongsu

    2007-01-01

    Starting from the Janus solution and its gauge theory dual, we obtain the dual gauge theory description of the cosmological solution by the procedure of double analytic continuation. The coupling is driven either to zero or to infinity at the big-bang and big-crunch singularities, which are shown to be related by the S-duality symmetry. In the dual Yang-Mills theory description, these are nonsingular as the coupling goes to zero in the N=4 super Yang-Mills theory. The cosmological singularities simply signal the failure of the supergravity description of the full type IIB superstring theory

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

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

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

  8. Comparative Validity of Brief to Medium-Length Big Five and Big Six Personality Questionnaires

    Science.gov (United States)

    Thalmayer, Amber Gayle; Saucier, Gerard; Eigenhuis, Annemarie

    2011-01-01

    A general consensus on the Big Five model of personality attributes has been highly generative for the field of personality psychology. Many important psychological and life outcome correlates with Big Five trait dimensions have been established. But researchers must choose between multiple Big Five inventories when conducting a study and are…

  9. Big data for health.

    Science.gov (United States)

    Andreu-Perez, Javier; Poon, Carmen C Y; Merrifield, Robert D; Wong, Stephen T C; Yang, Guang-Zhong

    2015-07-01

    This paper provides an overview of recent developments in big data in the context of biomedical and health informatics. It outlines the key characteristics of big data and how medical and health informatics, translational bioinformatics, sensor informatics, and imaging informatics will benefit from an integrated approach of piecing together different aspects of personalized information from a diverse range of data sources, both structured and unstructured, covering genomics, proteomics, metabolomics, as well as imaging, clinical diagnosis, and long-term continuous physiological sensing of an individual. It is expected that recent advances in big data will expand our knowledge for testing new hypotheses about disease management from diagnosis to prevention to personalized treatment. The rise of big data, however, also raises challenges in terms of privacy, security, data ownership, data stewardship, and governance. This paper discusses some of the existing activities and future opportunities related to big data for health, outlining some of the key underlying issues that need to be tackled.

  10. Bank Ethics:An Empirical Investigation of the Banking in China

    Institute of Scientific and Technical Information of China (English)

    刘春红; 宋玮

    2004-01-01

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

  11. 5 CFR 9701.372 - Creating initial pay ranges.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Creating initial pay ranges. 9701.372... HUMAN RESOURCES MANAGEMENT SYSTEM Pay and Pay Administration Transitional Provisions § 9701.372 Creating initial pay ranges. (a) DHS must, after coordination with OPM, set the initial band rate ranges for the...

  12. 5 CFR 534.603 - Rates of basic pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Rates of basic pay. 534.603 Section 534.603 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY UNDER OTHER SYSTEMS Pay for Administrative Appeals Judge Positions § 534.603 Rates of basic pay. (a) The...

  13. Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

    Directory of Open Access Journals (Sweden)

    Farhan Ahmed

    2018-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Dr. Irwan Ch

    2017-06-01

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

  15. Psychology of Pay and Compensation

    NARCIS (Netherlands)

    Thierry, Hk.; Smelser, N.J.; Baltes, P.B.

    2002-01-01

    In most industrialized countries the compensation, of managers and employees is structured along quite comparable patterns. One part consists of base pay, a second part of results-oriented pay, and a third part of secondary labor conditions. In many instances part four is composed of perquisites:

  16. 28 CFR 545.25 - Eligibility for performance pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Eligibility for performance pay. 545.25... WORK AND COMPENSATION Inmate Work and Performance Pay Program § 545.25 Eligibility for performance pay. (a) An inmate may receive performance pay for accomplishments in one or more of the following areas...

  17. The International Instruments on Gender Pay Equity

    OpenAIRE

    Chen, Cher Weixia

    2008-01-01

    Today in the world women are earning around 78% of what men are earning. Gender pay gap ironically is still one major feature of the modern labor market, despite the fact that the right to equal pay is one of the founding principles recognized by the 1945 ILO constitution amendment. Since 1919 the right to equal pay was discussed during the preparation for the ILO constitution, scholars have been constantly making efforts to explore the potential solutions to gender pay differentials...

  18. Willingness to Pay and Public Acceptance for Hydrogen Buses: A Case Study of Perugia

    Directory of Open Access Journals (Sweden)

    Simona Bigerna

    2015-09-01

    Full Text Available Sustainability transportation is characterized by a positive externality on the environment, health, social security, land use and social inclusion. The increasing interest in global warming has caused attention to be paid to the introduction of the hydrogen bus (H2B. When introducing new environmental technologies, such as H2B, it is often necessary to assess the environmental benefits related to this new technology. However, such benefits are typically non-priced due to their public good nature. Therefore, we have to address this problem using the contingent valuation (CV method. This method has been developed within environmental economics as a means to economically assess environmental changes, which are typically not traded in the market. So far, several big cities have been analyzed to evaluate the perceived benefit related to H2B introduction, but to the best of our knowledge, no one has performed a CV analysis of a historical city where smog also damages historical buildings. This paper presents the results obtained using a multi-wave survey. We have investigated user preferences to elicit their willingness to pay for H2B introduction in Perugia, taking into account all types of negative externalities due to the traffic pollution. The results confirm that residents in Perugia are willing to pay extra to support the introduction of H2B.

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

  20. Big Data: Implications for Health System Pharmacy.

    Science.gov (United States)

    Stokes, Laura B; Rogers, Joseph W; Hertig, John B; Weber, Robert J

    2016-07-01

    Big Data refers to datasets that are so large and complex that traditional methods and hardware for collecting, sharing, and analyzing them are not possible. Big Data that is accurate leads to more confident decision making, improved operational efficiency, and reduced costs. The rapid growth of health care information results in Big Data around health services, treatments, and outcomes, and Big Data can be used to analyze the benefit of health system pharmacy services. The goal of this article is to provide a perspective on how Big Data can be applied to health system pharmacy. It will define Big Data, describe the impact of Big Data on population health, review specific implications of Big Data in health system pharmacy, and describe an approach for pharmacy leaders to effectively use Big Data. A few strategies involved in managing Big Data in health system pharmacy include identifying potential opportunities for Big Data, prioritizing those opportunities, protecting privacy concerns, promoting data transparency, and communicating outcomes. As health care information expands in its content and becomes more integrated, Big Data can enhance the development of patient-centered pharmacy services.

  1. 38 CFR 3.654 - Active service pay.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Active service pay. 3.654..., Compensation, and Dependency and Indemnity Compensation Adjustments and Resumptions § 3.654 Active service pay. (a) General. Pension, compensation, or retirement pay will be discontinued under the circumstances...

  2. 5 CFR 531.603 - Locality pay areas.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Locality pay areas. 531.603 Section 531.603 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY UNDER THE GENERAL SCHEDULE Locality-Based Comparability Payments § 531.603 Locality pay areas. (a) Locality rates of...

  3. Generalized formal model of Big Data

    OpenAIRE

    Shakhovska, N.; Veres, O.; Hirnyak, M.

    2016-01-01

    This article dwells on the basic characteristic features of the Big Data technologies. It is analyzed the existing definition of the “big data” term. The article proposes and describes the elements of the generalized formal model of big data. It is analyzed the peculiarities of the application of the proposed model components. It is described the fundamental differences between Big Data technology and business analytics. Big Data is supported by the distributed file system Google File System ...

  4. BigWig and BigBed: enabling browsing of large distributed datasets.

    Science.gov (United States)

    Kent, W J; Zweig, A S; Barber, G; Hinrichs, A S; Karolchik, D

    2010-09-01

    BigWig and BigBed files are compressed binary indexed files containing data at several resolutions that allow the high-performance display of next-generation sequencing experiment results in the UCSC Genome Browser. The visualization is implemented using a multi-layered software approach that takes advantage of specific capabilities of web-based protocols and Linux and UNIX operating systems files, R trees and various indexing and compression tricks. As a result, only the data needed to support the current browser view is transmitted rather than the entire file, enabling fast remote access to large distributed data sets. Binaries for the BigWig and BigBed creation and parsing utilities may be downloaded at http://hgdownload.cse.ucsc.edu/admin/exe/linux.x86_64/. Source code for the creation and visualization software is freely available for non-commercial use at http://hgdownload.cse.ucsc.edu/admin/jksrc.zip, implemented in C and supported on Linux. The UCSC Genome Browser is available at http://genome.ucsc.edu.

  5. Pay equity, minimum wage and equality at work

    OpenAIRE

    Rubery, Jill

    2003-01-01

    Reviews the underlying causes of pay discrimination embedded within the organization of the labour market and structures of pay and reward. Discusses the need to focus on pay equity as part of a general strategy of promoting equity and decent work and examines the case for using minimum wage policies in comparison to more targeted equal pay policies to reduce gender pay equity. Identifies potential obstacles to or support for such policies and describes experiences of the use of minimum wages...

  6. Net Pay Estimator | Alaska Division of Retirement and Benefits

    Science.gov (United States)

    Benefits > Net Pay Estimator Online Counselor Scheduler Empower Retirement Account Info Online myRnB Accessibility Net Pay Estimator Click here for the Retiree Net Pay Estimator? The net pay estimator is a useful tool to estimate your net pay under different salaries, federal withholding tax exemptions, and

  7. Achieving equal pay for comparable worth through arbitration.

    Science.gov (United States)

    Wisniewski, S C

    1982-01-01

    Traditional "women's jobs" often pay relatively low wages because of the effects of institutionalized stereotypes concerning women and their role in the work place. One way of dealing with sex discrimination that results in job segregation is to narrow the existing wage differential between "men's jobs" and "women's jobs." Where the jobs are dissimilar on their face, this narrowing of pay differences involves implementing the concept of "equal pay for jobs of comparable worth." Some time in the future, far-reaching, perhaps even industrywide, reductions in male-female pay differentials may be achieved by pursuing legal remedies based on equal pay for comparable worth. However, as the author demonstrates, immediate, albeit more limited, relief for sex-based pay inequities found in specific work places can be obtained by implementing equal pay for jobs of comparable worth through the collective bargaining and arbitration processes.

  8. Bank Stability and Competition: Evidence from Albanian Banking Market

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

    Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.

  9. Financing energy projects at the European Bank for reconstruction

    International Nuclear Information System (INIS)

    Unterwurzacher, E.

    1992-01-01

    Investments in the energy sectors of Central and Eastern European countries and in the republics of the former USSR have a pivotal role to play in the economic and political restructuring of the centrally planned economies. The amount of capital required for energy sector investments in the countries of operation clearly exceed the financial possibilities of economies in transition, but they are necessary to underpin economic reform. Moreover they contribute to sector development, help alleviate energy shortages, increase energy securities, realize increased foreign exchange earnings and can reduce the environmental impact of energy production and use. Energy supply of several countries of operation is highly dependent on coal. In general throughout the region, coal is produced and used in a way which pays less attention to the potential negative environmental consequences. Current mining practice often leads to groundwater contamination, power plants are only poorly equipped with abatement technologies, the quality of the coal is often poor, or the efficiency of coal conversion is low, which is primarily a result of the use of outdated technology. Bank operations try to address these issues and to combine in its activities improved economic efficiency of the energy sector with the amelioration of environmental conditions. This paper briefly summarizes the main features of the energy sector of countries of operation and highlights the significant role of the coal industry with regard to energy sector and the environment. The Bank's energy sector strategy is introduced and the instruments that the Bank has chosen for its financial operations are presented. Examples for operations in the energy sector as they are relevant for the coal industries are introduced

  10. 5 CFR 304.104 - Determining rate of pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Determining rate of pay. 304.104 Section... CONSULTANT APPOINTMENTS § 304.104 Determining rate of pay. (a) The rate of basic pay for experts and... appropriate rate of basic pay on an hourly or daily basis, subject to the limitations described in section 304...

  11. WBP: The wood Brazilian BIG-GT demonstration project

    Energy Technology Data Exchange (ETDEWEB)

    Carpentieri, E. [Companhia Hidro Eletrica do Sao Francisco, Recife (Brazil)

    1993-12-31

    Brazil is one of the leading countries in the use of renewable energy. Most of its electricity comes from hydro power, about 200,000 barrels a day of ethanol from sugar cane is used as fuel, around 38% of the pig iron, and 20% of the steel production, uses charcoal as a reducing medium. Located in the tropics, with the sun shining all year round, and with its vast territory, the Country may be regarded as having all the basic conditions to develop a modern Biomass for Electricity industry. The conjunction of those characteristics with, the necessity of developing new energy resources for electricity production in the Northeast of the Country, the results of the studies made by Princeton University, Shell and Chesf, the progress achieved by the BIG-GT (Biomass Integrated Gasification Gas Turbine) technology in Europe, and the organization of the Global Environment Facility (GEF), provided the unique opportunity for the implementation of a commercial demonstration in Brazil. This paper describes the idea, the scope, the technical challenges, and actual status of development of the WBP, a project which aims to demonstrate the commercial viability of the BIG-GT technology. It also highlights, the project management structure, the role of the GEF, World Bank and of the United Nations Development Program (UNDP), and the participation of the Brazilian Federal Government, through the Ministry of Science and Technology (MCT). Finally it describes the Participants (ELETROBRAS, CVRD, CIENTEC, SHELL, and CHESF), their role in the project, and how the group was formed and operates.

  12. The Gender Pay Gap

    OpenAIRE

    Alan Manning

    2006-01-01

    Empirical research on gender pay gaps has traditionally focused on the role of gender-specific factors, particularly gender differences in qualifications and differences in the treatment of otherwise equally qualified male and female workers (i.e., labor market discrimination). This paper explores the determinants of the gender pay gap and argues for the importance of an additional factor, wage structure, the array of prices set for labor market skills and the rewards received for employment ...

  13. The Effects of Introducing Advertising in Pay TV: A Model of Asymmetric Competition between Pay TV and Free TV

    OpenAIRE

    Helmut Dietl; Markus Lang; Panlang Lin

    2012-01-01

    This paper develops a theoretical model of asymmetric competition between a pay TV and a free TV broadcaster. Our model shows that the pay TV broadcaster has incentives to place advertising on its channel if the marginal return on advertising exceeds the viewers' disutility from advertising. In this case, however, the pay TV advertising level is always below the corresponding level on free TV. The pay TV advertising level can increase with a higher viewer disutility from advertising but the p...

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

    Directory of Open Access Journals (Sweden)

    Anamika Singh

    2016-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2017-02-01

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

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

    OpenAIRE

    Haryono, Carissa Amelia

    2016-01-01

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

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

    Science.gov (United States)

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

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Nsiah K. Acheampong

    2013-12-01

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

  19. 5 CFR 532.507 - Pay for holiday work.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Pay for holiday work. 532.507 Section 532... SYSTEMS Premium Pay and Differentials § 532.507 Pay for holiday work. (a) An employee who is entitled to holiday premium pay and who performs work on a holiday which is not overtime work shall be paid the...

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

    African Journals Online (AJOL)

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

  1. Big data-driven business how to use big data to win customers, beat competitors, and boost profits

    CERN Document Server

    Glass, Russell

    2014-01-01

    Get the expert perspective and practical advice on big data The Big Data-Driven Business: How to Use Big Data to Win Customers, Beat Competitors, and Boost Profits makes the case that big data is for real, and more than just big hype. The book uses real-life examples-from Nate Silver to Copernicus, and Apple to Blackberry-to demonstrate how the winners of the future will use big data to seek the truth. Written by a marketing journalist and the CEO of a multi-million-dollar B2B marketing platform that reaches more than 90% of the U.S. business population, this book is a comprehens

  2. Bank Control and the Number of Bank Relations of Japanese Firms

    NARCIS (Netherlands)

    Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

    2005-01-01

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

  3. Impact of the corporate governance characteristics and ownership on earnings quality of the Islamic private banks in Iran

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2012-10-01

    Full Text Available This paper investigates corporate governance and ownership effects on earning quality in Iranian private banks. The study uses the information of 12 private banks from year 2005 to 2010 using regression analysis based on panel data. Among different factors, the effect of big five shareholder are considered to be significant and positive on earning quality. In addition, the effect of one variable regression test reveals that institutional ownership has positive impact on earning quality. However, the impacts of other variables including percentage of ownership concentration, the size of board of directors, reliance on debt, logarithm of sum of assets, return of assets, logarithm of operating cash flow on earning quality are not meaningful. The result of this survey indicates that institutional ownership plays an important role earning quality simply because institutions normally have the access on professionals to control management.

  4. Big Game Reporting Stations

    Data.gov (United States)

    Vermont Center for Geographic Information — Point locations of big game reporting stations. Big game reporting stations are places where hunters can legally report harvested deer, bear, or turkey. These are...

  5. 29 CFR 1450.23 - Deduction from pay.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 4 2010-07-01 2010-07-01 false Deduction from pay. 1450.23 Section 1450.23 Labor... OWED THE UNITED STATES Salary Offset § 1450.23 Deduction from pay. (a) Deduction by salary offset, from an employee's current disposable pay, shall be subject to the following conditions: (1) Ordinarily...

  6. 5 CFR 9701.342 - Performance pay increases.

    Science.gov (United States)

    2010-01-01

    ... increases, the Secretary or designee must take into account the average value of within-grade and quality... pay pool controls to allocate pay increases based on performance points that are directly linked to... function of the amount of money in the performance pay pool, the relative point value placed on ratings...

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

    Directory of Open Access Journals (Sweden)

    Rossazana Ab-Rahim

    2017-08-01

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

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

    Directory of Open Access Journals (Sweden)

    Shijaku Gerti

    2017-09-01

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

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

    Directory of Open Access Journals (Sweden)

    Sarwar Uddin Ahmed

    2014-11-01

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

  10. BLC Bank - Lebanon : Leading in Banking on Women

    OpenAIRE

    International Finance Corporation

    2016-01-01

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

  11. 41 CFR 301-54.2 - What is disposable pay?

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 4 2010-07-01 2010-07-01 false What is disposable pay... BILLED TRAVEL CHARGE CARD General Rules § 301-54.2 What is disposable pay? Disposable pay is your..., etc. Deductions may be made from any type of pay you receive from your agency, e.g., basic pay...

  12. Stalin's Big Fleet Program

    National Research Council Canada - National Science Library

    Mauner, Milan

    2002-01-01

    Although Dr. Milan Hauner's study 'Stalin's Big Fleet program' has focused primarily on the formation of Big Fleets during the Tsarist and Soviet periods of Russia's naval history, there are important lessons...

  13. 29 CFR 1614.202 - Equal Pay Act.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 4 2010-07-01 2010-07-01 false Equal Pay Act. 1614.202 Section 1614.202 Labor Regulations... OPPORTUNITY Provisions Applicable to Particular Complaints § 1614.202 Equal Pay Act. (a) In its enforcement of the Equal Pay Act, the Commission has the authority to investigate an agency's employment practices on...

  14. 22 CFR 512.22 - Deduction from pay.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Deduction from pay. 512.22 Section 512.22... 1982 Salary Offset § 512.22 Deduction from pay. (a) Deduction by salary offset, from an employee's disposable current pay, shall be subject to the following circumstances: (1) When funds are available, the...

  15. 44 CFR 354.7 - Failure to pay.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Failure to pay. 354.7 Section 354.7 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND... PROGRAM § 354.7 Failure to pay. Where a licensee fails to pay a prescribed fee required under this part...

  16. Five Big, Big Five Issues : Rationale, Content, Structure, Status, and Crosscultural Assessment

    NARCIS (Netherlands)

    De Raad, Boele

    1998-01-01

    This article discusses the rationale, content, structure, status, and crosscultural assessment of the Big Five trait factors, focusing on topics of dispute and misunderstanding. Taxonomic restrictions of the original Big Five forerunner, the "Norman Five," are discussed, and criticisms regarding the

  17. 27 CFR 70.103 - Failure to pay tax.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Failure to pay tax. 70.103... § 70.103 Failure to pay tax. Whoever fails to pay any tax imposed by Part I of Subchapter A of Chapter... penalty of 5 percent of the tax due but unpaid. For additional penalties for failure to pay tax, see 27...

  18. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  19. Big data challenges

    DEFF Research Database (Denmark)

    Bachlechner, Daniel; Leimbach, Timo

    2016-01-01

    Although reports on big data success stories have been accumulating in the media, most organizations dealing with high-volume, high-velocity and high-variety information assets still face challenges. Only a thorough understanding of these challenges puts organizations into a position in which...... they can make an informed decision for or against big data, and, if the decision is positive, overcome the challenges smoothly. The combination of a series of interviews with leading experts from enterprises, associations and research institutions, and focused literature reviews allowed not only...... framework are also relevant. For large enterprises and startups specialized in big data, it is typically easier to overcome the challenges than it is for other enterprises and public administration bodies....

  20. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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