WorldWideScience

Sample records for banks waterways

  1. Bank erosion processes in waterways

    NARCIS (Netherlands)

    Duro, G.; Uijttewaal, W.S.J.; Kleinhans, M; Crosato, A.; Hoitink, A.J.F.; de Ruijsscher, T.V.; Geertsema, T.J.; Makaske, B.; Wallinga, J.; Candel, J.H.J.; Poelman, J.

    2017-01-01

    Waterways serve for several functions besides  transporting goods and people. The ecological  importance of navigable rivers has taken much  attention during recent decades bringing efforts  to improve these natural corridors for fauna and  flora (Boeters et al.,

  2. Andean waterways

    DEFF Research Database (Denmark)

    Rasmussen, Mattias Borg

    Andean Waterways explores the politics of natural resource use in the Peruvian Andes in the context of climate change and neoliberal expansion. It does so through careful ethnographic analysis of the constitution of waterways, illustrating how water becomes entangled in a variety of political...

  3. Andean waterways

    DEFF Research Database (Denmark)

    Rasmussen, Mattias Borg

    Andean Waterways explores the politics of natural resource use in the Peruvian Andes in the context of climate change and neoliberal expansion. It does so through careful ethnographic analysis of the constitution of waterways, illustrating how water becomes entangled in a variety of political, so...

  4. 75 FR 71543 - Safety Zone; Gulf Intracoastal Waterway, Mile Marker 49.0 to 50.0, west of Harvey Locks, Bank to...

    Science.gov (United States)

    2010-11-24

    ... SECURITY Coast Guard 33 CFR Part 165 RIN 1625-AA00 Safety Zone; Gulf Intracoastal Waterway, Mile Marker 49... temporary safety zone in the Gulf Intracoastal Waterway extending from Mile Marker 49.0 to Mile Marker 50.0...-30), U.S. Department of Transportation, West Building Ground Floor, Room W12-140, 1200 New Jersey...

  5. Inland Waterway Mile Markers

    Data.gov (United States)

    Department of Homeland Security — Contains 11,201 sequential mile positions of navigable inland waterways and the Gulf Intracoastal Waterway. Records include eight fields; id, latitude, longitude,...

  6. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  7. National Waterway Network (node), Geographic WGS84, BTS (2006) [usace_nav_waterway_nod_BTS_2006

    Data.gov (United States)

    Louisiana Geographic Information Center — The National Waterway Network is a comprehensive network database of the nation's navigable waterways. The data set covers the 48 contiguous states plus the District...

  8. National Waterway Network (line), Geographic WGS84, BTS (2006) [usace_nav_waterway_lin_BTS_2006

    Data.gov (United States)

    Louisiana Geographic Information Center — The National Waterway Network is a comprehensive network database of the nation's navigable waterways. The data set covers the 48 contiguous states plus the District...

  9. OPG - Waterways public safety program

    Energy Technology Data Exchange (ETDEWEB)

    Bennett, Tony [Ontario Power Generation (Canada)

    2011-07-01

    Ontario Power Generation (OPG) operates 65 hydroelectric generating stations in Ontario and has 241 dams. Security around dams is an important matter to minimize exposure of the public to hazards and to prevent an uncontrolled release of water and also to be prepared in case of failure. The purpose of this presentation is to describe the waterways public safety program developed by OPG in association with the Ontario Waterpower Associattion, the Canadian Dam Association and the Ontario Ministry of Natural Resoruces. This program takes a managed system approach with continuous review to address specific and changing conditions of sites. Policies, accountability mechanisms and assessments are first planned, and then implemented, every day functioning is monitored, corrective actions are developed on the basis of issues and reports are compiled for planning of new improvements. This research program provided OPG with new methods for preventing accidents more efficiently.

  10. Wave basin model tests of technical-biological bank protection

    Science.gov (United States)

    Eisenmann, J.

    2012-04-01

    Sloped embankments of inland waterways are usually protected from erosion and other negative im-pacts of ship-induced hydraulic loads by technical revetments consisting of riprap. Concerning the dimensioning of such bank protection there are several design rules available, e.g. the "Principles for the Design of Bank and Bottom Protection for Inland Waterways" or the Code of Practice "Use of Standard Construction Methods for Bank and Bottom Protection on Waterways" issued by the BAW (Federal Waterways Engineering and Research Institute). Since the European Water Framework Directive has been put into action special emphasis was put on natural banks. Therefore the application of technical-biological bank protection is favoured. Currently design principles for technical-biological bank protection on inland waterways are missing. The existing experiences mainly refer to flowing waters with no or low ship-induced hydraulic loads on the banks. Since 2004 the Federal Waterways Engineering and Research Institute has been tracking the re-search and development project "Alternative Technical-Biological Bank Protection on Inland Water-ways" in company with the Federal Institute of Hydrology. The investigation to date includes the ex-amination of waterway sections where technical- biological bank protection is applied locally. For the development of design rules for technical-biological bank protection investigations shall be carried out in a next step, considering the mechanics and resilience of technical-biological bank protection with special attention to ship-induced hydraulic loads. The presentation gives a short introduction into hydraulic loads at inland waterways and their bank protection. More in detail model tests of a willow brush mattress as a technical-biological bank protec-tion in a wave basin are explained. Within the scope of these tests the brush mattresses were ex-posed to wave impacts to determine their resilience towards hydraulic loads. Since the

  11. 33 CFR 117.123 - Arkansas Waterway.

    Science.gov (United States)

    2010-07-01

    ... position of the drawbridge span. (c) Across the Arkansas Waterway, the draw of the Van Buren Railroad Drawbridge, mile 300.8 at Van Buren, Arkansas, is maintained in the open position except as follows: (1) When...

  12. Feasability study for waterway infrastructure: International overview and methodological recommendations

    Energy Technology Data Exchange (ETDEWEB)

    Santos Fontes Pereira, L. dos; Brandão, R.; Yamashita, Y.; Guilherme de Aragão, J.J.

    2016-07-01

    The context in which the waterway transportation is in Brazil makes clear the development need of specific methodologies for the sector planning. This paper aims to compare the methods of analysis of technical, economic and environmental viability, adopted in Europe, United States and Brazil, listing the best practices and possible improvements of the method adopted in Brazil. The analysis of the documents was based on comparative method, seeking the common elements from its attributes. Each document was analysed in terms of: its structure; type of impacts; required indicators on each impact analysis; reference values for classification of indicators; and the form of integrated analysis of different impacts. The study suggests the inclusion of certain changes in the methodology of calculation and in its combination of tools and parameters used in the measurement of fiscal impacts on the comparative analysis of standard models usually adopted in the United States, Europe and the World Bank. (Author)

  13. Numerical study of hydrodynamic interaction on a vessel in restricted waterways

    Directory of Open Access Journals (Sweden)

    Chun-Ki Lee

    2012-03-01

    Full Text Available The hydrodynamic interaction between ship and bank can't be neglected when a vessel is app- roached toward the tip of a wedge-shaped bank in restricted waterways, such as in a harbor, near some fixed obstacles, or in a narrow channel. In this paper, the characteristic features of the hydrodynamic interaction acting on a slowly moving vessel in the proximity of a wedge-shaped bank are described and illustrated, and the effects of water depth and the spacing between ship and wedge-shaped bank are summarized and discussed based on the slender body theory. From the theoretical results, it indicated that the hydrodynamic interactions decrease as wedge-shaped bank of angle β increases. For water depth to draft ratio less than about 2.0, the hydrodynamic interactions between ship and bank increase sharply as h/d decreases, regardless of the wedge-shaped bank of angle β. Also, for lateral separation more than about 0.2L between ship and wedge-shaped bank, it can be concluded that the bank effects decrease largely as the separation increases.

  14. Navigated Waterways of Louisiana, Geographic NAD83, LOSCO (1999) [navigated_waterways_LOSCO_1999

    Data.gov (United States)

    Louisiana Geographic Information Center — This is a line dataset of navigated waterways fitting the LOSCO definition: it has been traveled by vessels transporting 10,000 gallons of oil or fuel as determined...

  15. Logistic Conditions of Container Transportation on the Oder Waterway

    Directory of Open Access Journals (Sweden)

    Jan Kulczyk

    2018-03-01

    Full Text Available The paper contains the analysis of the possibility of container transportation on the Oder Waterway (the Gliwice Canal, the canalized stretch of the Oder River, and the regulated stretch of the Oder River, on the assumption that the waterway complies with conditions of class III European waterway. The analysis is based on the concept of modern motor cargo vessel, adjusted to hydraulic parameters of waterway. The vessel is designed for ballasting when passing under bridges. The amount of ballast water that enables transportation of two tiers of containers is given. The costs of waterborne transportation are compared to the costs of rail transportation of containers on selected shipping routes.

  16. 75 FR 66306 - Drawbridge Operation Regulation; Arkansas Waterway, Little Rock, AR

    Science.gov (United States)

    2010-10-28

    ...-AA09 Drawbridge Operation Regulation; Arkansas Waterway, Little Rock, AR AGENCY: Coast Guard, DHS... Arkansas Waterway at Mile 119.6 at Little Rock, Arkansas. Vessel operators shall contact the remote... Drawbridge Operation Regulation; Arkansas Waterway, Little [[Page 66307

  17. Safety And Reduce In Pollution Issues For Inland Waterway Transportation

    Directory of Open Access Journals (Sweden)

    Van Huong Dong

    2017-04-01

    Full Text Available According to the Ministry of Transport inland water transport is one of the five modes of transport in our country play a very important role. Inland waterway transport not only plays a major role in transporting large volumes of goods and passengers but also creates millions of jobs contributing to ensuring social security and national defense and security. However there are still many inadequacies in waterway transportation such as unequal waterway traffic The phenomenon of exploitation of river resources as planned or Process technology is not as planned exploitation of sand gravel etc. are common in most rivers and canals in the country. The signaling system is not synchronized between the signal of the inland waterway management unit and the signal of the owner The handling of domestic goods transportation and inland port management is inadequate The force of the means of development is fast uneven but concentrated in some urban areas and industrial parks. Therefore the Ministry of Transport has proposed a scheme to facilitate the development of a synchronized inland waterway infrastructure linking with other modes of transport To improve the capacity of the crew and the inland waterway transport crews. To create favorable conditions for inland waterway transportation business with reasonable transportation costs Improve the quality of water transport services Ensure safety and environmental friendliness Make a distinct advantage over other modes of transport. Specifically will develop promulgate mechanisms The policy is to facilitate the development of inland waterway infrastructure Build and promulgate mechanism The policy of supporting the development of the fleet has a reasonable structure with a fleet of about 30 self-propelled ships accounting for about 70 of the total number of inland waterway vessels To prioritize the development of the container fleet Inland waterway transportation and training retraining of human resources for

  18. 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.

  19. Controls on denitrification potential in nitrate-rich waterways and riparian zones of an irrigated agricultural setting.

    Science.gov (United States)

    Webster, Alex J; Groffman, Peter M; Cadenasso, Mary L

    2018-02-21

    Denitrification, the microbial conversion of NO 3 - to N gases, is an important process contributing to whether lotic and riparian ecosystems act as sinks for excess NO 3 - from agricultural activities. Though agricultural waterways and riparian zones have been a focus of denitrification research for decades, almost none of this research has occurred in the irrigated agricultural settings of arid and semi-arid climates. In this study, we conducted a broad survey of denitrification potential in riparian soils and channel sediment from 79 waterway reaches in the irrigated agricultural landscape of California's Central Valley. With this approach, we sought to capture the wide range of variation that arose from diverse waterway management and fluctuating flow conditions, and use this variation to identify promising management interventions. We explored associations of denitrification potentials with surface water NO 3 - -N, organic matter, flow conditions, vegetation cover, near-channel riparian bank slope, and channel geomorphic features using generalized linear mixed models. We found strong associations of sediment denitrification potentials with reach flow conditions, which we hypothesize was the result of variation in microbial communities' tolerance to dry-wet cycles. Denitrification potentials in riparian soils, in contrast, did not appear affected by flow conditions, but instead were associated with organic matter, vegetation cover, and bank slope in the riparian zone. These results suggest a strong need for further work on how denitrification responds to varying flow conditions and dry-wet cycles in non-perennial lotic ecosystems. Our findings also demonstrate that denitrifier communities respond to key features of waterway management, which can therefore be leveraged to control denitrification through a variety of management actions. This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

  20. 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.

  1. 75 FR 5769 - Inland Waterways Users Board; Request for Nominations

    Science.gov (United States)

    2010-02-04

    ... ``various'' regions. For the purpose of selecting Board members, the waterways subjected to fuel taxes and... Products; (2) Coal and Coke; (3) Petroleum, Crude and Products; (4) Minerals, Ores, and Primary Metals and...

  2. 77 FR 47826 - Inland Waterways Users Board; Request for Nominations

    Science.gov (United States)

    2012-08-10

    ... the Board, the waterways subjected to fuel taxes and described in Public Law 95-502, as amended, have... United States. These categories are (1) Farm and Food Products; (2) Coal and Coke; (3) Petroleum, Crude...

  3. Margins of the law pertaining to water supplies and waterways

    International Nuclear Information System (INIS)

    Bickel, C.

    1981-01-01

    The author examines legal questions coming from points of contact of the law pertaining to water supplies and waterways on the one hand with the Waste Management Law, the Atomic Energy Law and Criminal Law on the other hand. He tries to find ways for solving the practical problems which arise with the execution of the law pertaining to water supplies and waterways. (HSCH) [de

  4. Banking contracts

    OpenAIRE

    Sochorová, Silvie

    2012-01-01

    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...

  5. 76 FR 40617 - Drawbridge Operation Regulation; Gulf Intracoastal Waterway, Near Hackberry, LA

    Science.gov (United States)

    2011-07-11

    ... on the waterway consists of tugs with tows, fishing vessels, sailing vessels, and other recreational craft. The Coast Guard has coordinated the closure with waterway users, industry, and other Coast Guard...

  6. 78 FR 9814 - Drawbridge Operating Regulations; Gulf Intracoastal Waterway, Belle Chasse, LA

    Science.gov (United States)

    2013-02-12

    ... Gulf Intracoastal Waterway (Algiers Alternate Route), mile 3.8, at Belle Chasse, Plaquemines Parish... known as the Judge Perez Bridge, across the Gulf Intracoastal Waterway (Algiers Alternate Route), mile 3...

  7. 77 FR 57063 - Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC

    Science.gov (United States)

    2012-09-17

    ... 1625-AA00 Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC AGENCY: Coast Guard, DHS... zone on the waters of the Atlantic Intracoastal Waterway at Emerald Isle, North Carolina. The safety... NC 58 Fixed Bridge crossing the Atlantic Intracoastal Waterway, mile 226, at Emerald Isle, North...

  8. 77 FR 64906 - Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC

    Science.gov (United States)

    2012-10-24

    ... 1625-AA00 Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC AGENCY: Coast Guard, DHS... zone on the waters of the Atlantic Intracoastal Waterway at Emerald Isle, North Carolina. The safety... NC 58 Fixed Bridge crossing the Atlantic Intracoastal Waterway, mile 226, at Emerald Isle, North...

  9. 77 FR 44463 - Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC

    Science.gov (United States)

    2012-07-30

    ... 1625-AA00 Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC AGENCY: Coast Guard, DHS... waters of the Atlantic Intracoastal Waterway at Emerald Isle, North Carolina. The safety zone is... Bridge crossing the Atlantic Intracoastal Waterway, mile 226, at Emerald Isle, North Carolina. The safety...

  10. 77 FR 35903 - Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC

    Science.gov (United States)

    2012-06-15

    ... 1625-AA00 Safety Zone, Atlantic Intracoastal Waterway; Emerald Isle, NC AGENCY: Coast Guard, DHS... zone on the waters of the Atlantic Intracoastal Waterway at Emerald Isle, North Carolina. The safety... Intracoastal Waterway, mile 226, at Emerald Isle, North Carolina. [[Page 35904

  11. 77 FR 12994 - Safety Zone for Margate Bridge, Intracoastal Waterway; Margate, NJ

    Science.gov (United States)

    2012-03-05

    ...-AA00 Safety Zone for Margate Bridge, Intracoastal Waterway; Margate, NJ AGENCY: Coast Guard, DHS... Intracoastal Waterway near Margate, NJ. This safety zone is necessary to ensure safety while the Margate Bridge...: Sec. 165.T05-0096 Safety Zone for Margate Bridge, Intracoastal Waterway; Margate, NJ. (a) Location...

  12. 78 FR 6208 - Drawbridge Operating Regulations; Gulf Intracoastal Waterway, Belle Chasse, LA

    Science.gov (United States)

    2013-01-30

    ... as the Judge Perez Bridge, across the Gulf Intracoastal Waterway (Algiers Alternate Route), mile 3.8... Intracoastal Waterway (Algiers Alternate Route), mile 3.8, at Belle Chasse, Plaquemines Parish, Louisiana. This... 23 vertical lift span drawbridge across the Gulf Intracoastal Waterway (Algiers Alternate Route...

  13. 76 FR 75505 - Drawbridge Operation Regulation; Gulf Intracoastal Waterway (Algiers Alternate Route), Belle...

    Science.gov (United States)

    2011-12-02

    ... Operation Regulation; Gulf Intracoastal Waterway (Algiers Alternate Route), Belle Chasse, LA AGENCY: Coast... regulation governing the operation of the SR 23 bridge across the Gulf Intracoastal Waterway (Algiers... the SR 23 vertical lift bridge across the Gulf Intracoastal Waterway (Algiers Alternate Route), mile 3...

  14. 76 FR 73998 - Drawbridge Operation Regulations; Gulf Intracoastal Waterway (Algiers Alternate Route), Belle...

    Science.gov (United States)

    2011-11-30

    ... Operation Regulations; Gulf Intracoastal Waterway (Algiers Alternate Route), Belle Chasse, LA AGENCY: Coast... operation of the SR 23 bridge across the Gulf Intracoastal Waterway (Algiers Alternate Route), mile 3.8, at... Waterway (Algiers Alternate Route), mile 3.8, at Belle Chasse, Plaquemines Parish, Louisiana. Due to an...

  15. Inland waterway transport: modelling the probability of accidents

    NARCIS (Netherlands)

    Roeleven, D.; Stipdonk, H.L.; Kok, Matthijs; de Vries, W.A.

    1995-01-01

    In 1989 the Dutch government started the project “Safety in Inland Waterway Transport” to establish a minimum safety level and to develop a model to assess the effect and effectiveness of new safety measures. This model is called the Risk Effect Model, and calculates the integral impacts of safety

  16. INDRIS, an Inland AIS Application on the European Waterways

    NARCIS (Netherlands)

    Heijden, W.F.M. van der

    2000-01-01

    The transport sector and in particular inland waterway transport, is increasing the use of information and communication technology (ICT).The use of ICT can improve this mode of transport eg efficiency and the competition with road transport. An ICT concept, called RIS, River Information Services,

  17. Liquidity, Banking, and Bank Failures.

    OpenAIRE

    Williamson, Stephen D

    1988-01-01

    A multiperiod model with risk-neutral agents is constructed in which a liquidity problem arises in an equilibrium with decentralized tradin g in capital, which banking institutions are able to alleviate. Depos it contracts provide for early withdrawal, banks hold debt, and agent s who borrow from banks hold compensating balances. Institutional col lapse, or a state of the world when bank failures are experienced, is associated with a high demand for liquidity, low output, and a lower than ave...

  18. Sheet GT1-4. Radionuclides in sediments, bank soils and wetlands

    International Nuclear Information System (INIS)

    2009-01-01

    This document reports investigations and measurements aimed at assessing the radiological quality of sediments, of bank soils, and of different wetlands, waterways and lakes located in the area of an ancient uranium mining site (La Crouzille, Limousin). As sediments are heterogeneous, sampling have been performed in several locations, and have been analysed in terms of activity with respect with depth

  19. Bank regulation and banking stability

    NARCIS (Netherlands)

    Boot, A.; Thakor, A.V.

    2014-01-01

    This note discusses some issues in bank closure policy from a financial stability standpoint and how these issues have evolved since we first raised the question of how a reputation-driven divergence of interests between bank regulators and taxpayers may distort bank closure policy in our 1993 paper

  20. 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.

  1. 33 CFR 162.65 - All waterways tributary to the Atlantic Ocean south of Chesapeake Bay and all waterways tributary...

    Science.gov (United States)

    2010-07-01

    ... in this section includes all floating things moved over these waterways other than rafts. (b... strictly obeyed. (iii) Vessels approaching and passing through a bridge shall so govern their speed as to insure passage through the bridge without damage to the bridge or its fenders. (4) Assembly and handling...

  2. 33 CFR 207.160 - All waterways tributary to the Atlantic Ocean south of Chesapeake Bay and all waterways tributary...

    Science.gov (United States)

    2010-07-01

    ... management of the lock, and of the area set aside as the lock area, including the lock approach channels. He... canals and channels of all types, which are tributary to or connected by other waterways with the... other floating thing in the lock or approaches except by or under the direction of the lockmaster or his...

  3. Supporting inland waterway transport on German waterways by operational forecasting services - water-levels, discharges, river ice

    Science.gov (United States)

    Meißner, Dennis; Klein, Bastian; Ionita, Monica; Hemri, Stephan; Rademacher, Silke

    2017-04-01

    Inland waterway transport (IWT) is an important commercial sector significantly vulnerable to hydrological impacts. River ice and floods limit the availability of the waterway network and may cause considerable damages to waterway infrastructure. Low flows significantly affect IWT's operation efficiency usually several months a year due to the close correlation of (low) water levels / water depths and (high) transport costs. Therefore "navigation-related" hydrological forecasts focussing on the specific requirements of water-bound transport (relevant forecast locations, target parameters, skill characteristics etc.) play a major role in order to mitigate IWT's vulnerability to hydro-meteorological impacts. In light of continuing transport growth within the European Union, hydrological forecasts for the waterways are essential to stimulate the use of the free capacity IWT still offers more consequently. An overview of the current operational and pre-operational forecasting systems for the German waterways predicting water levels, discharges and river ice thickness on various time-scales will be presented. While short-term (deterministic) forecasts have a long tradition in navigation-related forecasting, (probabilistic) forecasting services offering extended lead-times are not yet well-established and are still subject to current research and development activities (e.g. within the EU-projects EUPORIAS and IMPREX). The focus is on improving technical aspects as well as on exploring adequate ways of disseminating and communicating probabilistic forecast information. For the German stretch of the River Rhine, one of the most frequented inland waterways worldwide, the existing deterministic forecast scheme has been extended by ensemble forecasts combined with statistical post-processing modules applying EMOS (Ensemble Model Output Statistics) and ECC (Ensemble Copula Coupling) in order to generate water level predictions up to 10 days and to estimate its predictive

  4. 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...

  5. Application of GIS tools in determining the navigability of waterways

    Science.gov (United States)

    Nadolny, Grzegorz; Rabant, Hubert; Szatten, Dawid

    2017-11-01

    This article presents the results of a research conducted on Lower Noteć river for the application of geographic information system (GIS) tools. The study consisted of longitudinal profile soundings of navigable route combined with statistical analysis of water levels. GIS software - ArcMap v. 10.0 was used to perform analysis of changes in waterway depth depending on hydrological conditions. A mileage of waterway sections was specified depending on whether they met or did not meet classification requirements in accordance with Polish law. The application of spatial data of Lower Noteć river developed for the purpose of the article is presented. Conducted analyses and obtained results demonstrate the importance of GIS tools in inland navigation studies.

  6. Ports and Waterways Safety Assessment Workshop Report for Aleutian Islands

    Science.gov (United States)

    2006-07-25

    Balanced indicates that no intervention is needed and risk is balanced in the waterway. A yellow Caution indicates a consensus alert meaning there was...near shore and in other sensitive areas (e.g, ecotour ) • USCG requires Advance Notice of Arrival for vessels calling on a U.S. port • Small...already available through local means , and 2) obtaining information from other agencies (10) • Conduct “places of refuge and anchorages” study as

  7. 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.

  8. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  9. 75 FR 39632 - Regulated Navigation Area; Gulf Intracoastal Waterway, Inner Harbor Navigation Canal, Harvey...

    Science.gov (United States)

    2010-07-12

    ..., Algiers Canal, New Orleans, LA; Correction ACTION: Interim rule; Correction. SUMMARY: In the Federal... Area; Gulf Intracoastal Waterway, Inner Harbor Navigation Canal, Harvey Canal, Algiers Canal, New...

  10. 77 FR 64411 - Drawbridge Operation Regulations; Atlantic Intracoastal Waterway (AIWW), Wrightsville Beach, NC

    Science.gov (United States)

    2012-10-22

    ...), Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Notice of deviation from drawbridge regulation.... 74 Bridge across the Atlantic Intracoastal Waterway, mile 283.1, at Wrightsville Beach, NC. The... Intracoastal Waterway (AIWW) mile 283.1, at Wrightsville Beach, NC has a vertical clearance of 20 feet, above...

  11. 78 FR 2650 - Safety Zone, Atlantic Intracoastal Waterway; Wrightsville Beach, NC

    Science.gov (United States)

    2013-01-14

    ...; Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Notice of Proposed Rulemaking. SUMMARY: The Coast... Intracoastal Waterway at Wrightsville Beach, North Carolina. The safety zone is necessary to provide for the... Atlantic Intracoastal Waterway, mile 283.1, at Wrightsville Beach, North Carolina. The safety zone...

  12. 76 FR 37700 - Safety Zone; Myrtle Beach Triathlon, Atlantic Intracoastal Waterway, Myrtle Beach, SC

    Science.gov (United States)

    2011-06-28

    ... SECURITY Coast Guard 33 CFR Part 165 RIN 1625-AA00 Safety Zone; Myrtle Beach Triathlon, Atlantic Intracoastal Waterway, Myrtle Beach, SC AGENCY: Coast Guard, DHS. ACTION: Notice of proposed rulemaking... Waterway in Myrtle Beach, South Carolina during the Myrtle Beach Triathlon. The Myrtle Beach Triathlon...

  13. 77 FR 14321 - Safety Zone; Myrtle Beach Triathlon, Atlantic Intracoastal Waterway, Myrtle Beach, SC

    Science.gov (United States)

    2012-03-09

    ... SECURITY Coast Guard 33 CFR Part 165 RIN 1625-AA00 Safety Zone; Myrtle Beach Triathlon, Atlantic Intracoastal Waterway, Myrtle Beach, SC AGENCY: Coast Guard, DHS. ACTION: Notice of proposed rulemaking... Waterway in Myrtle Beach, South Carolina during the Myrtle Beach Triathlon. The Myrtle Beach Triathlon...

  14. 78 FR 23519 - Safety Zone; Atlantic Intracoastal Waterway; Wrightsville Beach, NC

    Science.gov (United States)

    2013-04-19

    ...; Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Notice of Proposed Rulemaking. SUMMARY: The Coast... ] Intracoastal Waterway at Wrightsville Beach, North Carolina. The safety zone is necessary to provide for the... Atlantic Intracoastal Waterway, mile 283.1, at Wrightsville Beach, North Carolina. The safety zone...

  15. 75 FR 30750 - Drawbridge Operation Regulation; Arkansas Waterway, Little Rock, AR

    Science.gov (United States)

    2010-06-02

    ...-AA09 Drawbridge Operation Regulation; Arkansas Waterway, Little Rock, AR AGENCY: Coast Guard, DHS... procedures on the Baring Cross Railroad Drawbridge across the Arkansas Waterway at mile 119.6 at Little Rock....123(b) state that the draw of the Baring Cross Railroad Drawbridge, mile 119.6, at Little Rock, AR is...

  16. 78 FR 10064 - Safety Zone; Vigor Industrial Roll-Out, West Duwamish Waterway, Seattle, WA

    Science.gov (United States)

    2013-02-13

    ... 1625-AA00 Safety Zone; Vigor Industrial Roll-Out, West Duwamish Waterway, Seattle, WA AGENCY: Coast Guard, DHS. ACTION: Temporary final rule. SUMMARY: The Coast Guard is establishing a temporary safety... Industrial Vessel Roll-Out, West Duwamish Waterway, Seattle, WA. (a) Location. The following area is a safety...

  17. 78 FR 26799 - Waterway Suitability Assessment for Expansion of Liquefied Gas Terminals; Beaumont, TX

    Science.gov (United States)

    2013-05-08

    ... Partnership LP has submitted a Letter of Intent and a Waterway Suitability Assessment to the Coast Guard.... Martin Operating Partnership's Stanolind Cut Terminal in Beaumont, Texas submitted an LOI on January 25... the physical nature of the affected waterway and issues of safety and security associated with LNG or...

  18. 75 FR 36608 - Drawbridge Operation Regulation; Atlantic Intracoastal Waterway, (AIWW) Scotts Hill, NC

    Science.gov (United States)

    2010-06-28

    ...-AA09 Drawbridge Operation Regulation; Atlantic Intracoastal Waterway, (AIWW) Scotts Hill, NC AGENCY... the operation of the Figure Eight Swing Bridge, at AIWW mile 278.1, at Scotts Hill, NC. The requested... Intracoastal Waterway, (AIWW) Scotts Hill, NC'' in the Federal Register (74 FR 7844-7847). The rulemaking would...

  19. 76 FR 76640 - Drawbridge Operation Regulation; Gulf Intracoastal Waterway (Algiers Alternate Route), Belle...

    Science.gov (United States)

    2011-12-08

    ... DEPARTMENT OF HOMELAND SECURITY Coast Guard 33 CFR Part 165 [Docket No. USCG-2011-0959] Drawbridge Operation Regulation; Gulf Intracoastal Waterway (Algiers Alternate Route), Belle Chasse, LA ACTION: Notice..., the Coast Guard placed the Notice of Proposed Rulemaking, Gulf Intracoastal Waterway (Algiers...

  20. 78 FR 22193 - Special Local Regulations; West Palm Beach Triathlon Championship, Intracoastal Waterway; West...

    Science.gov (United States)

    2013-04-15

    ...-AA08 Special Local Regulations; West Palm Beach Triathlon Championship, Intracoastal Waterway; West Palm Beach, FL AGENCY: Coast Guard, DHS. ACTION: Temporary Final Rule. SUMMARY: The Coast Guard is establishing a special local regulation on the Intracoastal Waterway, in West Palm Beach, Florida, during the...

  1. 77 FR 5398 - Safety Zone; Atlantic Intracoastal Waterway, Vicinity of Marine Corps Base, Camp Lejeune, NC

    Science.gov (United States)

    2012-02-03

    ...-AA00 Safety Zone; Atlantic Intracoastal Waterway, Vicinity of Marine Corps Base, Camp Lejeune, NC... zone on the Atlantic Intracoastal Waterway (AICW) adjacent to Marine Corps Base (MCB) Camp Lejeune..., Vicinity of Marine Corps Base, Camp Lejeune, NC in the Federal Register (77 FR 1431). We received no...

  2. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... The findings of this study have motivated new recommendations for bank customers, bank management and shareholders with regard to electronic banking adoption for banking operations. Keywords: Electronic banking, returns on assets (ROA), returns on Equity (ROE), difference between means and ...

  3. 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...

  4. Recreation value of a waterway and changes in this value

    International Nuclear Information System (INIS)

    Aittoniemi, P.

    1991-01-01

    The uniquely rich hydrological and archipelagic nature of Finland creates versatile opportunities for spending of leisure time. As various uses of waterways compete with each other, it is difficult to compare advantages and disadvantages of operations in view of various interests. This is why efforts have been made to develop methods to make the effect commensurable. Usability of shores is one important factor in the assessment of recreation use of waterways. When influence of water level changes in usability of shores is estimated, shore and bottom slope and quality, and uses and user numbers of the shores must be known. In several assessment methods, usability of shore is depicted by distance of the shifted shoreline (due to the changed water level) from the 'good' status. The studies on changes in the recreation value or usability of shores should be started by making efforts to classify and estimate various effects separately. If the value is wished to be given as one figure, the calculation basis applied, the weights and the used value functions must be stated clearly with the results. It is equally important to make a sensitivity analysis, i.e. to study effects of changes in uncertain input data on the results

  5. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

    In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

  6. Phenomenon of Swiss banking

    Directory of Open Access Journals (Sweden)

    Milenković Ivan

    2015-01-01

    Full Text Available Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstances banking secrecy has become disruptive to the further development of both Swiss banking and banking in Switzerland and whether Swiss banking will come to an end in the future.

  7. ORNL Trusted Corridors Project: Watts Bar Dam Inland Waterway Project

    International Nuclear Information System (INIS)

    Walker, Randy M.; Gross, Ian G.; Smith, Cyrus M.; Hill, David E.

    2011-01-01

    Radiation has existed everywhere in the environment since the Earth's formation - in rocks, soil, water, and plants. The mining and processing of naturally occurring radioactive materials for use in medicine, power generation, consumer products, and industry inevitably generate emissions and waste. Radiological measuring devices have been used by industry for years to measure for radiation in undesired locations or simply identify radioactive materials. Since the terrorist attacks on the United States on 9-11-01 these radiation measuring devices have proliferated in many places in our nation's commerce system. DOE, TVA, the Army Corps and ORNL collaborated to test the usefulness of these devices in our nation's waterway system on this project. The purpose of the Watts Bar Dam ORNL Trusted Corridors project was to investigate the security, safety and enforcement needs of local, state and federal government entities for state-of-the-art sensor monitoring in regards to illegal cargo including utilization of the existing infrastructure. TVA's inland waterways lock system is a recognized and accepted infrastructure by the commercial carrier industry. Safety Monitoring activities included tow boat operators, commercial barges and vessels, recreational watercraft and their cargo, identification of unsafe vessels and carriers, and, monitoring of domestic and foreign commercial vessels and cargo identification. Safety Enforcement activities included cargo safety, tracking, identification of hazardous materials, waterway safety regulations, and hazardous materials regulations. Homeland Security and Law Enforcement Applications included Radiological Dispersive Devices (RDD) identification, identification of unsafe or illicit transport of hazardous materials including chemicals and radiological materials, and screening for shipments of illicit drugs. In the Fall of 2005 the SensorNet funding for the project expired. After several unsuccessful attempts to find a Federal sponsor

  8. ORNL Trusted Corridors Project: Watts Bar Dam Inland Waterway Project

    Energy Technology Data Exchange (ETDEWEB)

    Walker, Randy M [ORNL; Gross, Ian G [ORNL; Smith, Cyrus M [ORNL; Hill, David E [ORNL

    2011-11-01

    Radiation has existed everywhere in the environment since the Earth's formation - in rocks, soil, water, and plants. The mining and processing of naturally occurring radioactive materials for use in medicine, power generation, consumer products, and industry inevitably generate emissions and waste. Radiological measuring devices have been used by industry for years to measure for radiation in undesired locations or simply identify radioactive materials. Since the terrorist attacks on the United States on 9-11-01 these radiation measuring devices have proliferated in many places in our nation's commerce system. DOE, TVA, the Army Corps and ORNL collaborated to test the usefulness of these devices in our nation's waterway system on this project. The purpose of the Watts Bar Dam ORNL Trusted Corridors project was to investigate the security, safety and enforcement needs of local, state and federal government entities for state-of-the-art sensor monitoring in regards to illegal cargo including utilization of the existing infrastructure. TVA's inland waterways lock system is a recognized and accepted infrastructure by the commercial carrier industry. Safety Monitoring activities included tow boat operators, commercial barges and vessels, recreational watercraft and their cargo, identification of unsafe vessels and carriers, and, monitoring of domestic and foreign commercial vessels and cargo identification. Safety Enforcement activities included cargo safety, tracking, identification of hazardous materials, waterway safety regulations, and hazardous materials regulations. Homeland Security and Law Enforcement Applications included Radiological Dispersive Devices (RDD) identification, identification of unsafe or illicit transport of hazardous materials including chemicals and radiological materials, and screening for shipments of illicit drugs. In the Fall of 2005 the SensorNet funding for the project expired. After several unsuccessful attempts to

  9. 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…

  10. Phenomenon of Swiss banking

    OpenAIRE

    Milenković Ivan; Milenković Dragana

    2015-01-01

    Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstanc...

  11. A Multi-Agent System for Tracking the Intent of Surface Contacts in Ports and Waterways

    National Research Council Canada - National Science Library

    Tan, Kok S

    2005-01-01

    ...) and employ them to identify asymmetric maritime threats in port and waterways. Each surface track is monitored by a compound multi-agent system that comprise of the several intent models, each containing a nested multi-agent system...

  12. Effect of climate change on crop production patterns with implications to transport flows and inland waterways.

    Science.gov (United States)

    2011-12-01

    This project analyzed the demand for transportation capacity and changes in transportation flows on : inland waterways due to shifts in crop production patterns induced by climate change. Shifts in the crop : production mix have been observed in rece...

  13. 76 FR 60076 - Lower Mississippi River Waterway Safety Advisory Committee; Vacancies

    Science.gov (United States)

    2011-09-28

    ... navigable waterways, including the Gulf of Mexico. 1. Five members representing River Port Authorities... consecutive terms. All members serve at their own expense and receive no salary reimbursement of travel...

  14. 76 FR 13422 - Lower Mississippi River Waterway Safety Advisory Committee; Vacancies

    Science.gov (United States)

    2011-03-11

    ... the Lower Mississippi River and its connecting navigable waterways, including the Gulf of Mexico. The... receive no salary, reimbursement of travel expenses, or other compensation from the Federal Government...

  15. 76 FR 3516 - Drawbridge Operation Regulation; Gulf Intracoastal Waterway, Belle Chasse, LA

    Science.gov (United States)

    2011-01-20

    ... across the Gulf Intracoastal Waterway (Algiers Alternate Route), mile 3.8, at Belle Chasse, Plaquemines... (Algiers Alternate Route), mile 3.8, at Belle Chasse, Louisiana has a vertical clearance of 40 feet above...

  16. 78 FR 16205 - Special Local Regulations; Dragging on the Waccamaw, Atlantic Intracoastal Waterway; Bucksport, SC

    Science.gov (United States)

    2013-03-14

    ... Intracoastal Waterway in Bucksport, South Carolina during the Outboard Drag Boat Association (ODBA) dragging on..., June 23, 2013 the Outboard Drag Boat Association (ODBA) will host ``Dragging on the Waccamaw,'' a...

  17. PROPOSED GUIDELINES ON DEVELOPING THE OPTIMISATION MODEL FOR PASSAGE PLANNING IN INLAND WATERWAYS NAVIGATION

    OpenAIRE

    Ivančić, Paško; Kasum, Joško; Pavić, Ivica

    2013-01-01

    Road transport networks are overloaded by the increasing number of vehicles [1]. This has resulted in the redirection and the increasing intensity of navigation on rivers, canals and lakes. Transportation by inland waterways of the European Union (EU) represents a reliable, economical and environmentally friendly mode of transport. The latter has been recognized as a key form of transport in the European intermodal transport system. Inland waterways as part of the transport system play an imp...

  18. Prospects of Waterway Development as a Catalyst to Improve Regional and Community Socio-Economy Level

    OpenAIRE

    Sulaiman M. Yassin; Hayrol A.M. Shaffril; Md. S. Hassan; Mohd. S. Othman; Asnarulkhadi A. Samah; Bahaman A. Samah

    2010-01-01

    Problem statement: Malaysia has achieved a number of successes in its transportation development. The success of Kuala Lumpur International Airport and Northern and Southern Highway project for examples have given the community lot of benefits in term of social and economic development, but what if an inland waterway system can be developed in Malaysia especially along Pahang River and Muar River. Can this proposed waterway bring significant impact to local people in term of their social and ...

  19. 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

  20. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  1. Waterway-View Imaging with a Small Unmanned Surface System

    Science.gov (United States)

    Young, S. N.; Peschel, J.

    2015-12-01

    This research investigated the use of a small unmanned surface system (USS) for waterway-view imaging in an intensively managed agricultural landscape. Tile drains commonly dewater landscapes into drainage tributaries so that land uses such as agricultural production can occur. The outlets of tile drain networks, which contribute to the water balance in a river network, are often located on private property and in most instances cannot be readily cataloged. Remote sensing presents one option for identifying tile drain networks but vegetation and other topographic occlusions may obstruct identification. This work presents a case study in the Upper Sangamon River Basin in East-Central Illinois for the use of a small USS utilizing visual sensing with a 360-degree camera as an alternative method of mapping agricultural tile drain outlets for improved hydrologic and hydraulic modeling. The results are expected to serve as groundwork for future design and refinement of small unmanned surface vehicles, as well as improved human interfaces for USS, and a foundation for better understanding human-machine interaction in USS applied to agricultural, riparian, and similar domains.

  2. Stochastic measures of network resilience: applications to waterway commodity flows.

    Science.gov (United States)

    Baroud, Hiba; Ramirez-Marquez, Jose E; Barker, Kash; Rocco, Claudio M

    2014-07-01

    Given the ubiquitous nature of infrastructure networks in today's society, there is a global need to understand, quantify, and plan for the resilience of these networks to disruptions. This work defines network resilience along dimensions of reliability, vulnerability, survivability, and recoverability, and quantifies network resilience as a function of component and network performance. The treatment of vulnerability and recoverability as random variables leads to stochastic measures of resilience, including time to total system restoration, time to full system service resilience, and time to a specific α% resilience. Ultimately, a means to optimize network resilience strategies is discussed, primarily through an adaption of the Copeland Score for nonparametric stochastic ranking. The measures of resilience and optimization techniques are applied to inland waterway networks, an important mode in the larger multimodal transportation network upon which we rely for the flow of commodities. We provide a case study analyzing and planning for the resilience of commodity flows along the Mississippi River Navigation System to illustrate the usefulness of the proposed metrics. © 2014 Society for Risk Analysis.

  3. Is stormwater harvesting beneficial to urban waterway environmental flows?

    Science.gov (United States)

    Fletcher, T D; Mitchell, V G; Deletic, A; Ladson, T R; Séven, A

    2007-01-01

    Urbanization degrades the hydrology and water quality of waterways. Changes to flow regimes include increased frequency of surface runoff, increased peak flows and an increase in total runoff. At the same time, water use in many cities is approaching, and in some cases exceeding, sustainable limits. Stormwater harvesting has the potential to mitigate a number of these detrimental impacts. However, excessive harvesting of stormwater could also be detrimental to stream health. Therefore, a study was undertaken to test whether typical stormwater harvesting scenarios could meet the dual objectives of (i) supplying urban water requirements, and (ii) restoring the flow regime as close as possible to 'natural' (pre-developed). Melbourne and Brisbane, which have different climates, were used along with three land use scenarios (low, medium and high density). Modelling was undertaken for a range of flow and water quality indicators. The results show that using these typical harvesting scenarios helped to bring flow and water quality back towards their pre-developed levels. In some cases, however, harvesting resulted in an over-extraction of flow, demonstrating the need for optimizing the harvesting strategy to meet both supply and environmental flow objectives. The results show that urban stormwater harvesting is a potential strategy for achieving both water conservation and environmental flows.

  4. 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.

  5. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  6. 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.

  7. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  8. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... powerful vehicle for research. Banks can provide information and services online which customers can pay for and receive. Banking processes are made more efficient and cost effective by integrating other aspects of banking operations such as management and financial control. Ovia. [6] posits that on-line ...

  9. Sheet GT1-4. Radionuclides in sediments, bank soils and wetlands; Fiche GT1-4. Les radionucleides dans les sediments, les terres de berge et les zones humides

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2009-07-01

    This document reports investigations and measurements aimed at assessing the radiological quality of sediments, of bank soils, and of different wetlands, waterways and lakes located in the area of an ancient uranium mining site (La Crouzille, Limousin). As sediments are heterogeneous, sampling have been performed in several locations, and have been analysed in terms of activity with respect with depth

  10. 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

  11. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

    Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.

  12. 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...

  13. U.S. Navigated Waterway Mile Marker Locations from USCOE source data, Geographic NAD83, LOSCO (2000) [river_mile_markers_USACE_1994

    Data.gov (United States)

    Louisiana Geographic Information Center — This is a point dataset representing 10,044 sequential mile positions of navigable inland waterways and the Gulf Intracoastal Waterway. These data were developed as...

  14. Planning large systems with MDPs: case study of inland waterways supervision

    Directory of Open Access Journals (Sweden)

    Guillaume DESQUESNES

    2016-12-01

    Full Text Available Inland waterway management is likely to go through heavy changes due to an expected traffic increase in a context of climate change. Those changes will require an adaptive and resilient management of the water resource. The aim is to have an optimal plan for the distribution of the water resource on the whole inland waterway network, while taking into account the uncertainties arising from the operations of such a network. A representative model using Markov decision processes is proposed to model the dynamic and the uncertainties of the waterways. The proposed model is able to coordinate multiple entities over multiple time steps in order to prevent an overflow of a test network. However, this model suffers from a lack of scalability and is unable to represent real case applications. Advantages and limitations of several approaches of the literature to circumvent this limitation are discussed according to our case study.

  15. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

  16. 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

  17. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

    Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking.  The practice of “mark-up” in project funded by syariah bank seems to be very difficult.

  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. GenBank

    Data.gov (United States)

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

  20. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  1. 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....

  2. Efficacy of commercial algaecides to manage species of Phytophthora in suburban waterways

    Science.gov (United States)

    G. Curtis Colburn; Steven N. Jeffers

    2010-01-01

    Many commercial algaecides contain copper compounds as active ingredients. Phytophthora spp. and other oomycetes are known to be sensitive to copper-based fungicides. Therefore, algaecides registered to manage algae in natural waterways and irrigation waters also might be effective for mitigating or even eradicating Phytophthora ...

  3. 77 FR 64904 - Safety Zone, Atlantic Intracoastal Waterway; Carolina Beach, NC

    Science.gov (United States)

    2012-10-24

    ... Beach, NC AGENCY: Coast Guard, DHS. ACTION: Temporary final rule. SUMMARY: The Coast Guard is establishing a temporary safety zone on the waters of the Atlantic Intracoastal Waterway at Carolina Beach..., at Carolina Beach, North Carolina. The safety zone will temporarily restrict vessel movement within...

  4. 76 FR 54703 - Safety Zone; Myrtle Beach Triathlon, Atlantic Intracoastal Waterway, Myrtle Beach, SC

    Science.gov (United States)

    2011-09-02

    ... SECURITY Coast Guard 33 CFR Part 165 RIN 1625-AA00 Safety Zone; Myrtle Beach Triathlon, Atlantic Intracoastal Waterway, Myrtle Beach, SC AGENCY: Coast Guard, DHS. ACTION: Temporary final rule. SUMMARY: The... Beach, South Carolina during the Myrtle Beach Triathlon. The Myrtle Beach Triathlon, which is comprised...

  5. 78 FR 22195 - Safety Zone; Atlantic Intracoastal Waterway; Wrightsville Beach, NC

    Science.gov (United States)

    2013-04-15

    ...; Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Temporary final rule. SUMMARY: The Coast Guard is... Wrightsville Beach, North Carolina. The safety zone is necessary to provide for the safety of mariners on... Waterway, mile 283.1, at Wrightsville Beach, North Carolina. The safety zone extension will temporarily...

  6. 78 FR 72022 - Drawbridge Operation Regulation; Atlantic Intracoastal Waterway, Wrightsville Beach, NC

    Science.gov (United States)

    2013-12-02

    ..., Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Notice of temporary deviation from regulations.... 74 Bridge, across the Atlantic Intracoastal Waterway (AICW), mile 283.1, at Wrightsville Beach, NC. This deviation ] is necessary to accommodate the 2014 Quintiles Wrightsville Beach Full and Half...

  7. 78 FR 34579 - Safety Zone, Atlantic Intracoastal Waterway; Wrightsville Beach, NC

    Science.gov (United States)

    2013-06-10

    ...; Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Temporary final rule. SUMMARY: The Coast Guard is... Wrightsville Beach, North Carolina. The safety zone is necessary to provide for the safety of mariners on... Waterway, mile 283.1, at Wrightsville Beach, North Carolina. The safety zone extension will temporarily...

  8. 77 FR 41911 - Safety Zone, Atlantic Intracoastal Waterway; Wrightsville Beach, NC

    Science.gov (United States)

    2012-07-17

    ...; Wrightsville Beach, NC AGENCY: Coast Guard, DHS. ACTION: Temporary final rule. SUMMARY: The Coast Guard is establishing a temporary safety zone on the waters of the Atlantic Intracoastal Waterway at Wrightsville Beach... Beach, North Carolina. DATES: This rule is effective from September 1, 2012 until May 1, 2013. ADDRESSES...

  9. Waterborne Commerce of the United States, Calendar Year 1980. Part 1. Waterways and Harbors, Atlantic Coast.

    Science.gov (United States)

    1982-09-01

    Canada, the esport statistics reflect fully compiled data for shipments named $1,000 and over combined with estimated data for shipments valted $251-$999...Rivers, Federal and Private Canals, Connecting Channels, and Intracoastal Waterways The terms "imports." " esports ." "coastwise receipts," "coastwise

  10. 78 FR 37969 - Safety Zone; South Park Bridge Construction, Lower Duwamish Waterway, Seattle, WA

    Science.gov (United States)

    2013-06-25

    ...-AA00 Safety Zone; South Park Bridge Construction, Lower Duwamish Waterway, Seattle, WA AGENCY: Coast...-construction of the bridge. The safety zone is necessary to ensure the safety of the maritime public and workers involved in the bridge construction. The safety zone will prohibit any person or vessel from...

  11. Model-Based Design and Formal Verification Processes for Automated Waterway System Operations

    Directory of Open Access Journals (Sweden)

    Leonard Petnga

    2016-06-01

    Full Text Available Waterway and canal systems are particularly cost effective in the transport of bulk and containerized goods to support global trade. Yet, despite these benefits, they are among the most under-appreciated forms of transportation engineering systems. Looking ahead, the long-term view is not rosy. Failures, delays, incidents and accidents in aging waterway systems are doing little to attract the technical and economic assistance required for modernization and sustainability. In a step toward overcoming these challenges, this paper argues that programs for waterway and canal modernization and sustainability can benefit significantly from system thinking, supported by systems engineering techniques. We propose a multi-level multi-stage methodology for the model-based design, simulation and formal verification of automated waterway system operations. At the front-end of development, semi-formal modeling techniques are employed for the representation of project goals and scenarios, requirements and high-level models of behavior and structure. To assure the accuracy of engineering predictions and the correctness of operations, formal modeling techniques are used for the performance assessment and the formal verification of the correctness of functionality. The essential features of this methodology are highlighted in a case study examination of ship and lock-system behaviors in a two-stage lock system.

  12. 75 FR 61094 - Drawbridge Operation Regulation; Atlantic Intracoastal Waterway, Beaufort, SC

    Science.gov (United States)

    2010-10-04

    .... Highway 21, Sea Island Parkway Bridge at mile marker 536 over the Beaufort River (Atlantic Intracoastal... Bridge, which is across the Atlantic Intracoastal Waterway at mile 539.0 in Port Royal, South Carolina... Bridge, across the Beaufort River, Mile 536.0 at Beaufort. The draw shall operate as follows: (1) On...

  13. 76 FR 14829 - Safety Zone; 2011 Hylebos Bridge Restoration, Hylebos Waterway, Tacoma, WA

    Science.gov (United States)

    2011-03-18

    ... Anthony P. LaBoy, USCG Sector Puget Sound Waterways Management Division, Coast Guard; telephone 206-217..., which will then become highlighted in blue. In the ``Document Type'' drop down menu select ``Proposed... assistance at the public meeting, contact Ensign Anthony P. LaBoy at the telephone number or e-mail address...

  14. The effects of the internal flow structure on SPM entrapment in the Rotterdam Waterway

    NARCIS (Netherlands)

    De Nijs, M.A.J.; Winterwerp, J.C.; Pietrzak, J.D.

    2010-01-01

    Field measurements are presented, which are the first to quantify the processes influencing the entrapment of suspended particulate matter (SPM) at the limit of saltwater intrusion in the Rotterdam Waterway. The estuarine turbidity maximum (ETM) is shown to be maintained by the trapping of fluvial

  15. 78 FR 2916 - Special Local Regulation; West Palm Beach Triathlon Championship, Intracoastal Waterway, West...

    Science.gov (United States)

    2013-01-15

    ... 1625-AA08 Special Local Regulation; West Palm Beach Triathlon Championship, Intracoastal Waterway, West Palm Beach, FL AGENCY: Coast Guard, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The Coast... Palm Beach, Florida, during the West Palm Beach Triathlon Championship, on Saturday, June 1, 2013...

  16. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

    The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...

  17. 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...

  18. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  19. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  20. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

    Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

  1. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

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

  2. Banking in Africa

    NARCIS (Netherlands)

    Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.

    2014-01-01

    This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are

  3. Bank profitability during recessions

    NARCIS (Netherlands)

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

    This paper contributes to the literature on the relation between bank profitability and economic activity. When allowing for stronger co-movement of bank profit with economic activity during deep recessions, we find a much larger impact of output growth on bank profitability than commonly found in

  4. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

    We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

  5. Hydrology of and Current Monitoring Issues for the Chicago Area Waterway System, Northeastern Illinois

    Science.gov (United States)

    Duncker, James J.; Johnson, Kevin K.

    2015-10-28

    The Chicago Area Waterway System (CAWS) consists of a combination of natural and manmade channels that form an interconnected navigable waterway of approximately 90-plus miles in the metropolitan Chicago area of northeastern Illinois. The CAWS serves the area as the primary drainage feature, a waterway transportation corridor, and recreational waterbody. The CAWS was constructed by the Metropolitan Water Reclamation District of Greater Chicago (MWRDGC). Completion of the Chicago Sanitary and Ship Canal (initial portion of the CAWS) in 1900 breached a low drainage divide and resulted in a diversion of water from the Lake Michigan Basin. A U.S. Supreme Court decree (Consent Decree 388 U.S. 426 [1967] Modified 449 U.S. 48 [1980]) limits the annual diversion from Lake Michigan. While the State of Illinois is responsible for the diversion, the MWRDGC regulates and maintains water level and water quality within the CAWS by using several waterway control structures. The operation and control of water levels in the CAWS results in a very complex hydraulic setting characterized by highly unsteady flows. The complexity leads to unique gaging requirements and monitoring issues. This report provides a general discussion of the complex hydraulic setting within the CAWS and quantifies this information with examples of data collected at a range of flow conditions from U.S. Geological Survey streamflow gaging stations and other locations within the CAWS. Monitoring to address longstanding issues of waterway operation, as well as current (2014) emerging issues such as wastewater disinfection and the threat from aquatic invasive species, is included in the discussion.

  6. Socio-cultural impacts of construction and regulation of the waterway of Oulujoki river

    International Nuclear Information System (INIS)

    Ruotsala, H.

    1992-01-01

    The purpose of study was to clarify the socio-cultural impacts of the regulation and construction of Oulujoki river on the everyday life of people. Changes in work and livelihood, living and living satisfaction, and leisure time and recreation are considered as variables. Quantitative and qualitative methods were combined in the study. The principal study material is composed of answers to a questionnaire and of 109 thematic interviews on the topic. The hold of the study is phenomenological-hermeneutical, with the intention to interpret the matter from the viewpoint of the attitudes and requirements of the waterway users. The theoretical frame of reference was culture-ecological point of view and adaptive process. The emphasis of the study is on sociocultural adaptation. The attitude towards waterway construction and regulation was dependent on the background of the person interviewed. The attitude was considered e.g. by various interest groups and professional groups, such as farmers, inhabitants on the shore, recreation users, fishermen, municipal elected officials. Other important variables were age, family stage and sex. Big local differences in the attitudes could also be found. While prevailing values in society and peoples' modes of living are changing, also the attitude towards waterway and changes caused by waterway construction has changed in the region studied. The impacts on the sources of livelihood are minor for the moment, the impacts on living satisfaction and recreations are significant. While leisure time is increasing the recreation value of waterway increases, too. At the construction stage of the river, the economical and productional advantages took priority, and then no attention was paid to recreational use

  7. 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

  8. 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.

  9. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

    Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.

  10. 33 CFR 162.75 - All waterways tributary to the Gulf of Mexico (except the Mississippi River, its tributaries...

    Science.gov (United States)

    2010-07-01

    ... section includes all floating craft other than rafts. (b) Waterways: (1) A clear channel shall at all... fishing if navigation is obstructed thereby. (4) Speed: Speeding in narrow sections is prohibited...

  11. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  12. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

    In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)

  13. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  14. Development of a monthly to seasonal forecast framework tailored to inland waterway transport in central Europe

    Directory of Open Access Journals (Sweden)

    D. Meißner

    2017-12-01

    Full Text Available Traditionally, navigation-related forecasts in central Europe cover short- to medium-range lead times linked to the travel times of vessels to pass the main waterway bottlenecks leaving the loading ports. Without doubt, this aspect is still essential for navigational users, but in light of the growing political intention to use the free capacity of the inland waterway transport in Europe, additional lead time supporting strategic decisions is more and more in demand. However, no such predictions offering extended lead times of several weeks up to several months currently exist for considerable parts of the European waterway network. This paper describes the set-up of a monthly to seasonal forecasting system for the German stretches of the international waterways of the Rhine, Danube and Elbe rivers. Two competitive forecast approaches have been implemented: the dynamical set-up forces a hydrological model with post-processed outputs from ECMWF general circulation model System 4, whereas the statistical approach is based on the empirical relationship (teleconnection of global oceanic, climate and regional hydro-meteorological data with river flows. The performance of both forecast methods is evaluated in relation to the climatological forecast (ensemble of historical streamflow and the well-known ensemble streamflow prediction approach (ESP, ensemble based on historical meteorology using common performance indicators (correlation coefficient; mean absolute error, skill score; mean squared error, skill score; and continuous ranked probability, skill score and an impact-based evaluation quantifying the potential economic gain. The following four key findings result from this study: (1 as former studies for other regions of central Europe indicate, the accuracy and/or skill of the meteorological forcing used has a larger effect than the quality of initial hydrological conditions for relevant stations along the German waterways. (2 Despite the

  15. Coefficients of Propeller-hull Interaction in Propulsion System of Inland Waterway Vessels with Stern Tunnels

    Directory of Open Access Journals (Sweden)

    Jan Kulczyk

    2014-09-01

    Full Text Available Propeller-hull interaction coefficients - the wake fraction and the thrust deduction factor - play significant role in design of propulsion system of a ship. In the case of inland waterway vessels the reliable method of predicting these coefficients in early design stage is missing. Based on the outcomes from model tests and from numerical computations the present authors show that it is difficult to determine uniquely the trends in change of wake fraction and thrust deduction factor resulting from the changes of hull form or operating conditions. Nowadays the resistance and propulsion model tests of inland waterway vessels are carried out rarely because of relatively high costs. On the other hand, the degree of development of computational methods enables’ to estimate the reliable values o interaction coefficients. The computations referred to in the present paper were carried out using the authors’ own software HPSDKS and the commercial software Ansys Fluent.

  16. Development of a monthly to seasonal forecast framework tailored to inland waterway transport in central Europe

    Science.gov (United States)

    Meißner, Dennis; Klein, Bastian; Ionita, Monica

    2017-12-01

    Traditionally, navigation-related forecasts in central Europe cover short- to medium-range lead times linked to the travel times of vessels to pass the main waterway bottlenecks leaving the loading ports. Without doubt, this aspect is still essential for navigational users, but in light of the growing political intention to use the free capacity of the inland waterway transport in Europe, additional lead time supporting strategic decisions is more and more in demand. However, no such predictions offering extended lead times of several weeks up to several months currently exist for considerable parts of the European waterway network. This paper describes the set-up of a monthly to seasonal forecasting system for the German stretches of the international waterways of the Rhine, Danube and Elbe rivers. Two competitive forecast approaches have been implemented: the dynamical set-up forces a hydrological model with post-processed outputs from ECMWF general circulation model System 4, whereas the statistical approach is based on the empirical relationship (teleconnection) of global oceanic, climate and regional hydro-meteorological data with river flows. The performance of both forecast methods is evaluated in relation to the climatological forecast (ensemble of historical streamflow) and the well-known ensemble streamflow prediction approach (ESP, ensemble based on historical meteorology) using common performance indicators (correlation coefficient; mean absolute error, skill score; mean squared error, skill score; and continuous ranked probability, skill score) and an impact-based evaluation quantifying the potential economic gain. The following four key findings result from this study: (1) as former studies for other regions of central Europe indicate, the accuracy and/or skill of the meteorological forcing used has a larger effect than the quality of initial hydrological conditions for relevant stations along the German waterways. (2) Despite the predictive

  17. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

    This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

  18. GenBank

    OpenAIRE

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

    2008-01-01

    GenBank? is a comprehensive database that contains publicly available nucleotide sequences for more than 300 000 organisms named at the genus level or lower, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and accession numbers are assigned by GenBank? staff upon receipt. Daily data exchange with the European Molecular Biology Labo...

  19. GenBank

    OpenAIRE

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

    2012-01-01

    GenBank? (http://www.ncbi.nlm.nih.gov) is a comprehensive database that contains publicly available nucleotide sequences for almost 260 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole-genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and GenBank staff assig...

  20. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

    There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.

  1. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  2. Bacterial diversity impacts as a result of combined sewer overflow in a polluted waterway

    OpenAIRE

    O. Calderon; H. Porter-Morgan; J. Jacob; W. Elkins

    2017-01-01

    Newtown Creek is an industrial waterway and former tidal wetland in New York City. It is one of the most polluted water bodies in the United States and was designated as a superfund site in 2010. For over a century, organic compounds, heavy metals, and other forms of industrial pollution have disrupted the creek’s environment. The creek is also impacted by discharges from twenty combined sewer overflow pipes, which may deposit raw sewage or partially treated wastewater directly into the creek...

  3. Analysis Of Inland Waterway Transport For Container Shipping: Cikarang To Port Of TanjungPriok

    Science.gov (United States)

    Achmadi, T.; Nur, H. I.; Rahmadhon, L. R.

    2018-03-01

    Industry's development which is in the center of Cikarang's industrial estate causes a considerable increase from 7% to 13% of container's flow from and to Port of Tanjung Priok per year. Therefore, those obstacles rise the number of traffic congestion and transport cost. This research aims to analyze the potential alternative of transportation in order to transport containers at the route of Tanjung Priok to Cikarang utilizing Inland Waterways Transport through Cikarang Bekasi Laut (CBL) river. This research will be conducted by comparing component of total logistic cost that emerging caused by container trucks and vessels. Self Propelled Container Barge (SPCB) is a pointed alternative transportation in which it is used to transport containers through the waterways. The result of analysis obtained that the capacity of Cikarang Bekasi Laut river is 18,558 roundtrip per year. Furthermore, the collaboration of 3 SPCB operations, as well payload 32 TEUS can decrease the amount of road traffic congestion/density of Cikarang-Port of Tanjung Priok as much as 18.6%. The cost of containers shipping per unit transported by truck is IDR 2.2 Million per TEUs, whereas containers shipping transported by Inland Waterways cost only IDR 1.8 Million per TEUs.

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

    OpenAIRE

    Adusei, Michael

    2015-01-01

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

  5. 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.

  6. Order of 21 May 1979 on Transport of Radioactive Materials by Road or by Inland Waterway (Dangerous Goods 1979, No.5)

    International Nuclear Information System (INIS)

    1979-01-01

    This Order lays down in connection with radioactive materials (class IVb) to be carried by road or inland waterway that Section 32 of the Order of 15 April 1945 approving the transport of dangerous goods by rail, land or inland waterway will come into force on 1 October 1980. The Order prescribes that drivers of land vehicles and on inland waterways, persons responsible on board must carry a certificate concerning their cargo in accordance with the above Section. (NEA) [fr

  7. Essays on historical banking

    NARCIS (Netherlands)

    Dwarkasing, N.R.D.

    2014-01-01

    This dissertation studies the British banking sector from the end of the 19th century until the beginning of the 20th century. The British banking sector at that time was one of the most developed ones and was characterized by the fact that very little regulation existed concerning, amongst others,

  8. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

    institution in the financial market. This is due to the very nature of banks whose failure is viewed to have greater effect on the economy than the failure of other types of businesses (Ogunleye (2005: 3). Along with the traditional banks, Non-. Financial Institutions (NBFIs) also play intermediation role in the financial system by ...

  9. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  10. iBank

    Science.gov (United States)

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

    2012-01-01

    iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…

  11. Competition in EU banking

    NARCIS (Netherlands)

    De Jonghe, Olivier; Diepstraten, Maaike; Schepens, Glenn; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter discusses recent EU-wide movements in bank competition and concentration. We start with a concise overview of the most frequently used competition and concentration measures. Given that different measures may capture different aspects of bank competition, we focus on the differences and

  12. International fuel bank

    International Nuclear Information System (INIS)

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

  13. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  14. Three essays on banking

    NARCIS (Netherlands)

    Vlahu, R.E.

    2011-01-01

    This dissertation consists of three essays on banking and concentrates on two topics. The first two essays deal with strategic behavior of borrowers. The third essay explores the relation between bank capital and risk-taking. The first essay, Collective Strategic Defaults: Bailouts and Repayment

  15. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  16. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  17. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  18. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mirela CIOCAN

    2014-06-01

    Full Text Available The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return on assets, leverage effect, profit rate and the rate of assets utilization, in order to identify the methods of quantifying the performance of the Romanian banking system, by reference to two commercial banks, namely Transilvania Bank and Intesa Sanpaolo Bank. After the analysis and calculation of these indicators, we can notice a good situation of the banks concerned. In order to improve Romanian banking system are under consideration: reducing the costs of banking intermediation, raising the coverage levels at European level and reducing the compulsory reserves. After the analysis of organization the banking system in Romania and comparing banking systems at the level of some countries of the European Union we can conclude that national banking system has its own particularities, in terms of banks name, types of activities covered under this name as well as those at European Union level.

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  20. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

  1. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  2. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

    The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...

  3. Bank and sovereign debt risk

    OpenAIRE

    Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

    2013-01-01

    Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

  4. Increasing the competitiveness of banks

    OpenAIRE

    Badaeva V.; Makukhina Y.

    2017-01-01

    The article examines about the essence of competitiveness of banks, the ways of improving it, competitive advantages and factors which influence the effectiveness and competitiveness of banking institutions.

  5. Global Banking: Transformation, Innovation & Competition

    Directory of Open Access Journals (Sweden)

    Korobov Yury

    2017-01-01

    Full Text Available The article discusses the main transformation processes in banking sector: globalization, concentration of capital, formation of a new model of banking and new banking culture. It is shown that the driving forces of these processes are competition and innovation. The interpretation of the bank of the future as a sum of four concepts is offered: “Bank = technology”, “Bank = client”, “Bank = product”, “Bank = life”. It is hypothesized that a person in the digital economy can be described as Homo financial (a person with financial literacy and financial thinking.

  6. Effects of Bank Vegetation and Incision on Erosion Rates in an Urban Stream

    Directory of Open Access Journals (Sweden)

    Emily Arnold

    2018-04-01

    Full Text Available Changing land-use associated with urbanization has resulted in shifts in riparian assemblages, stream hydraulics, and sediment dynamics leading to the degradation of waterways. To combat degradation, restoration and management of riparian zones is becoming increasingly common. However, the relationship between flora, especially the influence of invasive species, on sediment dynamics is poorly understood. Bank erosion and turbidity were monitored in the Tookany Creek and its tributary Mill Run in the greater Philadelphia, PA region. To evaluate the influence of the invasive species Reynoutria japonica (Japanese knotweed on erosion, reaches were chosen based on their riparian vegetation and degree of incision. Bank pins and turbidity loggers were used to estimate sediment erosion. Erosion calculations based on bank pins suggest greater erosion in reaches dominated by knotweed than those dominated by trees. For a 9.5-month monitoring period, there was 29 cm more erosion on banks that were also incised, and 9 cm more erosion in banks with little incision. Turbidity responses to storm events were also higher (77 vs. 54 NTU (nephelometric turbidity unit in reaches with knotweed, although this increase was found when the reach dominated by knotweed was also incised. Thus, this study linked knotweed to increased erosion using multiple methods.

  7. The influence of hydrology and waterway distance on population structure of Chinook salmon Oncorhynchus tshawytscha in a large river.

    Science.gov (United States)

    Olsen, J B; Beacham, T D; Wetklo, M; Seeb, L W; Smith, C T; Flannery, B G; Wenburg, J K

    2010-04-01

    Adult Chinook salmon Oncorhynchus tshawytscha navigate in river systems using olfactory cues that may be influenced by hydrologic factors such as flow and the number, size and spatial distribution of tributaries. Thus, river hydrology may influence both homing success and the level of straying (gene flow), which in turn influences population structure. In this study, two methods of multivariate analysis were used to examine the extent to which four indicators of hydrology and waterway distance explained population structure of O. tshawytscha in the Yukon River. A partial Mantel test showed that the indicators of hydrology were positively associated with broad-scale (Yukon basin) population structure, when controlling for the influence of waterway distance. Multivariate multiple regression showed that waterway distance, supplemented with the number and flow of major drainage basins, explained more variation in broad-scale population structure than any single indicator. At an intermediate spatial scale, indicators of hydrology did not appear to influence population structure after accounting for waterway distance. These results suggest that habitat changes in the Yukon River, which alter hydrology, may influence the basin-wide pattern of population structure in O. tshawytscha. Further research is warranted on the role of hydrology in concert with waterway distance in influencing population structure in Pacific salmon.

  8. 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 ...

  9. Sewage Contamination under Different Storm and Hydrologic Conditions in Three Urban Waterways

    Science.gov (United States)

    Templar, H.; Corsi, S.; McLellan, S. L.

    2014-12-01

    Fecal contamination in urban waterways is a major public and environmental health threat. Sanitary sewer and combined sewer overflows are major point sources of fecal pollution. Additionally, stormwater runoff and failing sewer infrastructure contribute fecal contamination and pathogens to urban waterways. Traditionally, fecal indicator bacteria such as E. coli, enterococci, and fecal coliforms are used to gauge fecal contamination in water; however, these general indicators are unable to distinguish fecal sources in the environment. This study used two human-specific fecal indicator bacteria to identify human sewage contamination in Milwaukee, Wisconsin, where three rivers form an estuary that discharges to Lake Michigan. Two-hour composite samples were collected at four sites, one in each of the three rivers and one in the estuary, to represent the entire hydrograph before, during, and after a rain event. Samples were collected throughout a variety of conditions, including dry-weather baseline, light and heavy rain events, and combined sewage overflows (CSOs). These samples were analyzed using quantitative polymerase chain reaction (qPCR) assays to determine human sewage loads in each river during each type of event. Low levels of human indicators were found during dry-weather baseline conditions, and loads increased significantly (one to two orders of magnitude) during rain events. Sampling upstream of the estuary indicated sewage contamination was originating in the heavily urbanized part of the watersheds, likely a result of failing infrastructure. CSO events contributed the highest loads, which were on average ten-fold higher than rainfall events with no CSO. This information will be a useful for directing the efforts of local agencies and municipalities to investigate failing infrastructure, as well as agencies at the state and federal levels to create appropriate goals to address the human health concerns that are posed by sewage contamination in urban

  10. Protein Data Bank (PDB)

    Data.gov (United States)

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

  11. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

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

  12. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

    Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

  13. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

    New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service.

  14. Mitigation Banking Factsheet

    Science.gov (United States)

    A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404

  15. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  16. Banking in southern Europe

    OpenAIRE

    Lazarević Žarko

    2014-01-01

    The nations discussed here (Italy, Spain, Portugal and Greece) have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begi...

  17. Using chloride and other ions to trace sewage and road salt in the Illinois Waterway

    Science.gov (United States)

    Kelly, W.R.; Panno, S.V.; Hackley, Keith C.; Hwang, H.-H.; Martinsek, A.T.; Markus, M.

    2010-01-01

    Chloride concentrations in waterways of northern USA are increasing at alarming rates and road salt is commonly assumed to be the cause. However, there are additional sources of Cl- in metropolitan areas, such as treated wastewater (TWW) and water conditioning salts, which may be contributing to Cl- loads entering surface waters. In this study, the potential sources of Cl- and Cl- loads in the Illinois River Basin from the Chicago area to the Illinois River's confluence with the Mississippi River were investigated using halide data in stream samples and published Cl- and river discharge data. The investigation showed that road salt runoff and TWW from the Chicago region dominate Cl- loads in the Illinois Waterway, defined as the navigable sections of the Illinois River and two major tributaries in the Chicago region. Treated wastewater discharges at a relatively constant rate throughout the year and is the primary source of Cl- and other elements such as F- and B. Chloride loads are highest in the winter and early spring as a result of road salt runoff which can increase Cl- concentrations by up to several hundred mg/L. Chloride concentrations decrease downstream in the Illinois Waterway due to dilution, but are always elevated relative to tributaries downriver from Chicago. The TWW component is especially noticeable downstream under low discharge conditions during summer and early autumn when surface drainage is at a minimum and agricultural drain tiles are not flowing. Increases in population, urban and residential areas, and roadways in the Chicago area have caused an increase in the flux of Cl- from both road salt and TWW. Chloride concentrations have been increasing in the Illinois Waterway since around 1960 at a rate of about 1 mg/L/a. The increase is largest in the winter months due to road salt runoff. Shallow groundwater Cl- concentrations are also increasing, potentially producing higher base flow concentrations. Projected increases in population and

  18. 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.

  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. DROUGHTS IN THE TIETÊ-PARANÁ WATERWAY: IMPACTS ON THE DIRECT, INDIRECT AND HIDDEN COSTS IN THE TRANSPORTATION OF SOYBEAN.

    Directory of Open Access Journals (Sweden)

    Rodrigo Carlo Toloi

    2016-05-01

    Full Text Available Brazil's agricultural economy is growing and increasing productivity. Therefore, it has required transportation systems with high load capacity and lower transportation costs. However, with the drought in the Southeast region of Brazil, the waterway Tietê-Paraná closed since May 2014 generating a loss of more than 30 million last year. Thus, this study investigates the impacts on direct, indirect and hidden costs resulting from this change of route for soy transport. The methodology consists of an exploratory, descriptive and bibliographic research that seeks to raise the main costs. The results show that failing to ensure the production of soybeans by the Tiete-Parana waterway and using the highway transportation costs for waterway users are increased by US$ 37,760,146.86.

  1. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1003 Money lent at banking offices or at other than...

  2. Can consumers bank on mergers?

    OpenAIRE

    Kerton, Robert / R

    2003-01-01

    How big do banks need to be to gain all the economies of scale? The largest Canadian banks already achieve scale economies and further increases in size can make them "too big to fail." Available evidence indicates normal monopoly risks will be passed on to Canadian firms and consumers if the largest banks merge. Improved service will make Canada's banks world competitive. Despite the banks' enthusiasm for heft to enter the US market, policy measures exist to prevent mergers that are contr...

  3. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  4. 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.

  5. 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.

  6. Banking in southern Europe

    Directory of Open Access Journals (Sweden)

    Lazarević Žarko

    2014-01-01

    Full Text Available The nations discussed here (Italy, Spain, Portugal and Greece have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begin with, if the lands of the North-Western Europe were large capital exporters, then the South European nations were the importers of this capital. The role of foreign capital, i.e., foreign banks, was great and irreplaceable in the development of banking. The second element in common was a large role of state in the economy in general. Under the circumstances of underdeveloped entrepreneurial environment, the state, through its economic activities, would become the driving force of overall economic and social development. This was also or especially the case with banking. Role played by the state only began to diminish towards the end of the 1980s, in the course of the processes of deregulation and liberalisation both at the international level as well as within the then European Economic Community or subsequent European Union. Already during the preparatory processes prior to the admission into the European Economic Community, Spain, Greece and Portugal, and, however, Italy as well, but due to European Directives it had to abide by, began comprehensive processes of restructuring their national banking systems. Since the second half of the 1980s, banking systems were subjected to liberalisation, deregulation and privatisation.

  7. CLIMATE CHANGE AND THE RISK MANAGEMENT IN SERBIAN INLAND WATERWAY TRANSPORT

    Directory of Open Access Journals (Sweden)

    Todor Backalic

    2012-12-01

    Full Text Available Climate changes require special attention and global monitoring. Impacts on nature and industry are increasingly evident. Water transport could be the backbone of the future European combined transport system. Unfortunately, risks in water transport are perhaps an under researched area and consequently, this article outlines a rationale, why it is necessary to develop competence about risk in water transport. The development of the cargo transport in river traffic depends directly on technical-exploitative characteristics of the network of inland waterways. Research of navigational abilities of inland waterways always comes before building ships or making a transport schedule. Navigation characteristics of rivers have to be determined as precise as possible, especially from the aspect of determination the possible draught of vessels. River transport due to their operational business and environmental conditions faced with several risks having different degrees of consequences. Current risk assessment methods for water transport just consider some dramatic events. We present a new method for the assessment of risk and vulnerability of water transport where river depth represents a crucial part. The analysis of water level changes on Serbian rivers during the last sixty years was done.

  8. Application of the Streamflow Prediction Tool to Estimate Sediment Dredging Volumes in Texas Coastal Waterways

    Science.gov (United States)

    Yeates, E.; Dreaper, G.; Afshari, S.; Tavakoly, A. A.

    2017-12-01

    Over the past six fiscal years, the United States Army Corps of Engineers (USACE) has contracted an average of about a billion dollars per year for navigation channel dredging. To execute these funds effectively, USACE Districts must determine which navigation channels need to be dredged in a given year. Improving this prioritization process results in more efficient waterway maintenance. This study uses the Streamflow Prediction Tool, a runoff routing model based on global weather forecast ensembles, to estimate dredged volumes. This study establishes regional linear relationships between cumulative flow and dredged volumes over a long-term simulation covering 30 years (1985-2015), using drainage area and shoaling parameters. The study framework integrates the National Hydrography Dataset (NHDPlus Dataset) with parameters from the Corps Shoaling Analysis Tool (CSAT) and dredging record data from USACE District records. Results in the test cases of the Houston Ship Channel and the Sabine and Port Arthur Harbor waterways in Texas indicate positive correlation between the simulated streamflows and actual dredging records.

  9. Reclamation of abandoned mined lands along th Upper Illinois Waterway using dredged material

    Energy Technology Data Exchange (ETDEWEB)

    Van Luik, A; Harrison, W

    1982-01-01

    Sediments were sampled and characterized from 28 actual or proposed maintenance-dredging locations in the Upper Illinois Waterway, that is, the Calumet-Sag Channel, the Des Plaines River downstream of its confluence with the Calumet-Sag Channel, and the Illinois River from the confluence of the Kankakee and Des Plaines rivers to Havana, Illinois. Sufficient data on chemical constituents and physical sediments were obtained to allow the classification of these sediments by currently applicable criteria of the Illinois Environmental Protection Agency for the identification of hazardous, persistent, and potentially hazardous wastes. By these criteria, the potential dredged materials studied were not hazardous, persistent, or potentially hazardous; they are a suitable topsoil/ reclamation medium. A study of problem abandoned surface-mined land sites (problem lands are defined as being acidic and/or sparsely vegetated) along the Illinois River showed that three sites were particularly well suited to the needs of the Corps of Engineers (COE) for a dredged material disposal/reclamation site. Thes sites were a pair of municipally owned sites in Morris, Illinois, and a small corporately owned site east of Ottawa, Illinois, and adjacent to the Illinois River. Other sites were also ranked as to suitability for COE involvement in their reclamation. Reclamation disposal was found to be an economically competitive alternative to near-source confined disposal for Upper Illinois Waterway dredged material.

  10. Cyanobacteria of the 2016 Lake Okeechobee and Okeechobee Waterway harmful algal bloom

    Science.gov (United States)

    Rosen, Barry H.; Davis, Timothy W.; Gobler, Christopher J.; Kramer, Benjamin J.; Loftin, Keith A.

    2017-05-31

    The Lake Okeechobee and the Okeechobee Waterway (Lake Okeechobee, the St. Lucie Canal and River, and the Caloosahatchee River) experienced an extensive harmful algal bloom within Lake Okeechobee, the St. Lucie Canal and River and the Caloosahatchee River in 2016. In addition to the very visible bloom of the cyanobacterium Microcystis aeruginosa, several other cyanobacteria were present. These other species were less conspicuous; however, they have the potential to produce a variety of cyanotoxins, including anatoxins, cylindrospermopsins, and saxitoxins, in addition to the microcystins commonly associated with Microcystis. Some of these species were found before, during, and 2 weeks after the large Microcystis bloom and could provide a better understanding of bloom dynamics and succession. This report provides photographic documentation and taxonomic assessment of the cyanobacteria present from Lake Okeechobee and the Caloosahatchee River and St. Lucie Canal, with samples collected June 1st from the Caloosahatchee River and Lake Okeechobee and in July from the St. Lucie Canal. The majority of the images were of live organisms, allowing their natural complement of pigmentation to be captured. The report provides a digital image-based taxonomic record of the Lake Okeechobee and the Okeechobee Waterway microscopic flora. It is anticipated that these images will facilitate current and future studies on this system, such as understanding the timing of cyanobacteria blooms and their potential toxin production.

  11. 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.

  12. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  13. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  14. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

    In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory pur...

  15. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  16. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  17. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

    The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

  18. An intermodal network model of coal distribution in the United States and its economic implications for the inland waterway system.

    Science.gov (United States)

    2016-01-01

    This paper describes a GIS-based intermodal network model for the shipment of coal in the United States. The : purpose of this research was to investigate the role played by railways, waterways, and highways in the movement of : coal from its source ...

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

    OpenAIRE

    Alexiou Constantinos; Sofoklis Voyazas

    2009-01-01

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

  20. 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.

  1. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  2. 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...

  3. 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 ...

  4. An Evaluation of Banks' Liability in Robbery Incidents at Banks ...

    African Journals Online (AJOL)

    However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount interest to the banker, customer and the general public. The issues are: (a) is the family of a bank customer killed by armed robbers in the banking hall during a transaction entitled to compensation? (b) Is a ...

  5. National Wetland Mitigation Banking Study Wetland Migitation Banking.

    Science.gov (United States)

    1994-02-01

    require advance mitigation. The Acequia Mitigation Bank in Idaho, for example, requires that mitigation must be complete and successful before...20. Georgia - Georgia Department of Transportation (single client DOT bank) 21. Idaho - Acequia (single client DOT bank) 22. Idaho - Mud Lake...21. Acequia Cassia County, ID ID Transportation Dept. (ITD) ITD ITD currently public - ITD 22. Mud Lake Wildlife Management Area

  6. 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

  7. Model tests of living brush mattresses made of shrub and tree willows as bank protection at navigable waters

    Science.gov (United States)

    Sokopp, Manuel

    2014-05-01

    The embankment stability at navigable waters suffers from hydraulic loads, like strong ship induced waves, resulting hydropeaking and strong water-level fluctuations. Willow brush mattresses can reduce erosion at the embankments of rivers and increase bank stability. Due to experiences gained in the project "Alternative Technical-Biological Bank Protection on Inland Water-ways" the Federal Waterways Engineering and Research Institute commissioned a more detailed investigation of protective functions of willow brush mattresses respectively the differences between brush mattresses made of pure shrub (Salix viminalis) or tree willows (Salix alba) at water ways with high ship-induced hydraulic loads. This paper shows the upcoming research methods of the years 2014 to 2016. The protective functions of two different willow brush mattresses and the congruence between soil, hydraulics and willow sprouts movement will be investigated in a wave basin by measuring flow velocity with ADVs (Acoustic Doppler Velocimeters) installed near the soil surface and in different embankment areas, the pore water pressure with probes in different soil layers, the wave height with ultrasound probes and the willow movements with permanently installed cameras while flooding the basin as well as measuring the erosion afterwards. These flooding test series will be conducted two times during the vegetation period. The shear strength of the tree willow rooted soil will be examined in different soil layers with a shear load frame. The results will be compared with the data of shear strength tests of same aged brush mattresses made of shrub willows, which have already been carried out by the Federal Waterways Engineering and Research Institute. The filtering capability of the soil covering branches and the near surface willow roots will be investigated by growing willow brush mattresses in sample boxes. Those can be repeatedly moved up and down into a diving pool while measuring pore water pressure

  8. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  9. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

    Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

  10. Electronic Load Bank

    Science.gov (United States)

    Huston, Steven W.

    1992-01-01

    Electronic load-bank circuit provides pulsed or continuous low-resistance load to imitate effect of short circuit on Ni/H2 or other electrochemical power cells. Includes safety/warning feature and taps for measurement of cell-output voltage and current.

  11. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

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

  12. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  13. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

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

  14. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  15. De-globalising bank regulation

    OpenAIRE

    Mario Tonveronachi

    2013-01-01

    The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks) de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary...

  16. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  17. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...

  18. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

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

  19. 75 FR 67969 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-04

    ... Doc No: 2010-27868] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... of a bank or bank holding company. The factors that are considered in acting on the notices are set...

  20. 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

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

  1. 76 FR 75548 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-02

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

  2. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-05

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

  3. 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

    ...: 2012-31575] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  4. 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

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

  5. 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

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

  6. 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

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

  7. 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

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

  8. 75 FR 71130 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-22

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

  9. 76 FR 32361 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-06

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

  10. 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

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

  11. 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

    ... No: 2012-1314] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  12. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  13. 77 FR 60118 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-02

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

  14. 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

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

  15. 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

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

  16. 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

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

  17. 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

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

  18. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

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

  19. 75 FR 51814 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-23

    ... No: 2010-20809] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control... a bank or bank holding company. The factors that are considered in acting on the notices are set...

  20. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

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

  1. 75 FR 53968 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-02

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

  2. 76 FR 19099 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-06

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

  3. 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

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

  4. 75 FR 39016 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-07

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

  5. 76 FR 72205 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-22

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

  6. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  7. 76 FR 40730 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-11

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

  8. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

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

  9. 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

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

  10. 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

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

  11. 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

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

  12. 75 FR 70262 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-17

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

  13. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

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

  14. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

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

  15. 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

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

  16. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

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

  17. 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

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

  18. 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

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

  19. 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

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

  20. 76 FR 23599 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-27

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

  1. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

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

  2. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

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

  3. 75 FR 33810 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-15

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

  4. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

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

  5. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

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

  6. 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

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

  7. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

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

  8. 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

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

  9. 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

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

  10. 76 FR 10595 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-25

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

  11. 76 FR 10899 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-28

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

  12. 75 FR 71440 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-23

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

  13. 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

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

  14. 76 FR 81939 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-29

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

  15. 75 FR 77876 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-14

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

  16. 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

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

  17. 77 FR 16223 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-20

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

  18. 76 FR 70722 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-15

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

  19. 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

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

  20. 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

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

  1. 77 FR 284 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-04

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

  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

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

  3. 75 FR 54148 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-03

    ... Doc No: 2010-22050] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank... acquire a bank or bank holding company. The factors that are considered in acting on the notices are set...

  4. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

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

  5. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  6. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic\\ud banking has developed new banking practices.

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

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

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

  8. 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.

  9. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  10. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

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

  11. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  12. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  13. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  14. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  15. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  16. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  17. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula. © 2017 S. Karger AG, Basel.

  18. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  19. Virtual blood bank

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-01

    Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time. PMID:21383930

  20. Geographic Information System (GIS) characterization of benthic and emergent areas in the Intracoastal Waterway, Sarasota County, Florida in 1987 (NODC Accession 0000607)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — This GIS layer graphically represents algae, seagrass, tidal marshes, mangroves, and oyster bed coverages found throughout the Intracoastal Waterway in Sarasota...

  1. 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.

  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. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

    Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

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

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

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

  5. Asian development bank: can it become an actual development bank?

    OpenAIRE

    Khan, Haider A.

    2012-01-01

    The Asian Development Bank(ADB) was founded in the mid-sixties. In addition to the Asian countries, it also has members from among the wealthy countries in North America, Europe and Oceania. Over the years, ADB has grown in size and prestige among the regional development banks. As Khan (2004, 2007 and 2012) argues, within a hybrid workable global financial architecture, regional development banks like the ADB can play a constructive role.

  6. The aspects and activities of international banking

    OpenAIRE

    Madzova, Violeta; Davcev, Ljupco

    2012-01-01

    Banking is an information based industry and banks develop relationships with and obtain information on their customers. Following them abroad, therefore, is a motivating factor for banks to continue providing banking services. Liberalization, international trade agreements and reduced trade barriers and more open markets have allowed banks to expand internationally. The range of services that a bank offers results from the strategy and is influenced from the sources of the bank. Intern...

  7. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  8. Determinants of Islamic Banks Acceptance in Oman

    OpenAIRE

    Mohammed, Shariq; Sha, Nadia; Uddin, Mohammed Ahmar

    2017-01-01

    This paper discusses about the inception of Islamic Banking in Oman. This paper would discuss the Islamic Banking Regulatory Framework (IBRF) under which the Islamic banking system is operating. The two full fledged banks which are working in Oman are Alizz Islamic Bank, Bank Nizwa and there are 6 Islamic windows which are working in Oman. The study would be related to the factors which influence the customers’ attraction towards Islamic Banking in Oman.

  9. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  10. Systemic Risk, Bank's Capital Buffer, and Leverage

    OpenAIRE

    Wibowo, Buddi

    2017-01-01

    This paper measures individual bank's impact on banking systemic risk and examines the effect of individual bank's capital buffer and leverage to bank's systemic risk impact in Indonesia during 2010-2014. Using Merton's distance-to-default to measure systemic risk, the study shows a significant negative relationship between bank's capital buffer and systemic risk. High capital buffer tends to lowering bank's impact on systemic risk. Bank's leverage level also influences its contribution to sy...

  11. Review of Reports on Lake Erie-Lake Ontario Waterway, New York. Appendix E. Impact Assessment and Environment Plan.

    Science.gov (United States)

    1973-10-01

    surrounding areas who are descendents of the original German settlers in the proposed Waterway- impacted area. E-52 Aesthetic, Recreational, and Cultural...preserve and renovate certain buildings in order to preserve elements of the German culture established by the original settlers and immigrants to...State Representative District. It is also likely that the racial and ethnic composition of the inmigrant population will differ significantly from the

  12. The impact of ornithogenic inputs on phosphorous transport from altered wetland soils to waterways in East Mediterranean ecosystem.

    Science.gov (United States)

    Litaor, M Iggy; Reichmann, O; Dente, E; Naftaly, A; Shenker, M

    2014-03-01

    Large flocks of Eurasian crane (Grus grus, >35,000) have begun wintering in an altered wetland agro-ecosystem located in Northern Israel, a phenomenon that attracts more than 400,000 eco-tourists a year. A 100-ha plot has been used to feed the cranes in order to protect nearby fields. The objective of this study was to evaluate the influence of this bird's feeding practice on the P status of the altered wetland soils and waterways. We installed a series of wells at two depths (40 and 90 cm) between two major waterways in the feeding area and monitored the hydraulic heads and collected groundwater samples for elemental analyses. We collected six soil cores and four sediment samples from the waterways and conducted sequential P extraction. We found significant increase in groundwater soluble reactive P (SRP) (>0.5 mg l(-1)) compared with much lower concentrations (~0.06 mg l(-1)) collected in the period prior to the feeding. We found significant decrease in Fe((II)), Ca, and SO4 concentrations in the shallow groundwater (33, 208, and 213 mg l(-1), respectively) compared with the period prior to the feeding (47, 460, and 370 mg l(-1) respectively). An increase in the more labile P fraction was observed in soils and sediments compared with the period before the feeding. The P input by bird excrement to the feeding area was estimated around 700 kg P per season, while P removal by plant harvesting was estimated around 640 kg Pyr(-1). This finding supports the current eco-tourism practices in the middle of intensive farming area, suggesting little impact on waterways. Copyright © 2013 Elsevier B.V. All rights reserved.

  13. Computation Of The Residual Radionuclide Activity Within Three Natural Waterways At The Savannah River Site

    Energy Technology Data Exchange (ETDEWEB)

    Hiergesell, R. A.; Phifer, M. A.

    2014-01-07

    analysis data that had been collected for various SRS investigations, as well as the additional streambed and floodplain sampling and analysis data acquired more recently as part of the ongoing SRS IOU program, and associated specifically with the FMB, PB, and SC IOUs. Samples have been acquired along the waterways, within the stream channels themselves and in the adjacent floodplain zones. While Cs-137 is the most significant and abundant radionuclide associated with the SRS waterways, it is not the only radionuclide, hence work was conducted to evaluate all radionuclides present.

  14. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  15. Research note: Mapping spatial patterns in sewer age, material, and proximity to surface waterways to infer sewer leakage hotspots

    Science.gov (United States)

    Hopkins, Kristina G.; Bain, Daniel J.

    2018-01-01

    Identifying areas where deteriorating sewer infrastructure is in close proximity to surface waterways is needed to map likely connections between sewers and streams. We present a method to estimate sewer installation year and deterioration status using historical maps of the sewer network, parcel-scale property assessment data, and pipe material. Areas where streams were likely buried into the sewer system were mapped by intersecting the historical stream network derived from a 10-m resolution digital elevation model with sewer pipe locations. Potential sewer leakage hotspots were mapped by identifying where aging sewer pipes are in close proximity (50-m) to surface waterways. Results from Pittsburgh, Pennsylvania (USA), indicated 41% of the historical stream length was lost or buried and the potential interface between sewers and streams is great. The co-location of aging sewer infrastructure (>75 years old) near stream channels suggests that 42% of existing streams are located in areas with a high potential for sewer leakage if sewer infrastructure fails. Mapping the sewer-stream interface provides an approach to better understand areas were failing sewers may contribute a disproportional amount of nutrients and other pathogens to surface waterways.

  16. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  17. Global Banking System Regulatory Environment

    OpenAIRE

    Oleh Mozhovyi; Olena Pavliuk

    2017-01-01

    The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities ...

  18. Banking crises and government intervention

    OpenAIRE

    García-Palacios, Jaime H.; Hasman, Augusto; Samartín, Margarita

    2014-01-01

    Intervention has taken different forms in different countries and periods of time. Moreover, recent episodes showed that in front of an imminent crisis, the promise of no interventions made by governments is barely credible. In this paper we address the problem of resolving banking crises from the government perspective, taking into account the fact that preventing banking crises is crucial for the government. In addition, we introduce the moral hazard problem, inherent in the banking system,...

  19. Current trends of banking innovations

    OpenAIRE

    A.M. Karminskiy; O.R. Zhdanova

    2013-01-01

    The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the devel...

  20. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  1. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

    Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to

  2. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  3. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

    Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

  4. Image data bank

    International Nuclear Information System (INIS)

    Bacigalupo, J.; Guillen, G.; Gerez, J.

    1998-01-01

    A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

  5. National serum bio bank

    International Nuclear Information System (INIS)

    Poli, F.; Facchiano, F.

    2009-01-01

    The Italian Bio bank is hosted at 'Ospedale Maggiore. Policlinico' of Milan. This structure occupies an area of 300 sq meters and includes laboratories and a cryogenic area. This facility has been built a in compliance with the standards defined by the Foundation for Accreditation of Cellular Therapy (FACT) mostly related to adequacy of spaces, equipment and governmental and institutional policies for bio safety. The Cryogenic area follows written procedures in the event of an ambient disaster and for safety personnel and of the samples stored

  6. The ENZYME data bank.

    Science.gov (United States)

    Bairoch, A

    1994-09-01

    The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any).

  7. Fractional Reserve Banking

    OpenAIRE

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

    2012-01-01

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

  8. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

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

  9. Breaking e-Banking CAPTCHAs

    OpenAIRE

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

    2010-01-01

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

  10. Banking industry liberalisation in Ghana

    Directory of Open Access Journals (Sweden)

    Elvis A. Adjei

    2012-04-01

    Full Text Available Economic liberalisation is characterised by the entry of foreign companies and the emergence of new domestic institutions to compete with the existing institutions of lending, and there is a view that the process leads to greater efficiency, especially because foreign banks bring new expertise. Extracting information from accounts lodged with Ghana Central Bank, this paper ranks the cost efficiency of banks, Theil decomposition of the cost efficiency scores allows for a comparison of performance between banks under different types of ownership. There is pronounced differences in efficiency scores within and between groups by type of ownership, but foreign ownership, per se, is not the determining factor.

  11. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  12. Fraud and Fraudulent Practices in Nigeria Banking

    African Journals Online (AJOL)

    FIRST LADY

    recommendations targeting at reducing fraud and forgeries in the Nigerian banking industry. Key Words: Fraud, Bank Failure, Forgeries and Embezzlement. Introduction. Banks and non-bank financial institutions jointly constituting the financial industry of any economy however, the banking system comprises the major.

  13. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

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

  14. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  15. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  16. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  17. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  18. Using Banks: Teaching Banking Skills to Low-Income Consumers.

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

  19. Universal banking and the Nigerian banking sector | Osamwonyi ...

    African Journals Online (AJOL)

    In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...

  20. Determinants of International Banking: Evidence from the World's Largest Banks

    NARCIS (Netherlands)

    Schoenmaker, D.; van Laecke, C.

    2007-01-01

    : Banks have expanded their foreign activities due to deregulation and advances in technology. Using a new approach, we measure the level of internationalization of the world's largest commercial banks. The degree of internationalization is found to be uneven across the three main continents.

  1. How much is Banking Secrecy worth? The case of Swiss Banks

    OpenAIRE

    Ziegler, Alexandre

    2011-01-01

    We use an early episode of negotiations between Switzerland and the European Union to investigate the value of banking secrecy for four Swiss banks: two universal banks and two private banks. We nd that the value of banking secrecy to private banks is large, accounting for at least 8 to 14% of their market value. Perhaps surprisingly, banking secrecy appears to account for only a very small fraction of the market value of the universal banks.

  2. 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 bank holding company. The factors that are...

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

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

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

  4. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

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

  5. BioMagResBank.

    NARCIS (Netherlands)

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

    2008-01-01

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

  6. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

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

    2001-01-01

    textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not

  7. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    Sprott, J.C.; Lovell, T.W.

    1982-06-01

    Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

  8. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  9. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

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

  10. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    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...

  11. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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

  12. Bank credit and business financing

    NARCIS (Netherlands)

    Morales Arenas, Diana

    2018-01-01

    This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth

  13. Size, productivity, and international banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  14. Bank Size and Systemic Risk

    NARCIS (Netherlands)

    Pais, A.; Stork, P.A.

    2013-01-01

    The global financial crisis that started in mid-2007 illustrates the relevance of systemic risk. One key driver of the systemic instability that materialised in the crisis was the elevated level of stress in large banks. We use EVT to analyse the effect of size on banks' univariate and systemic risk

  15. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

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

  16. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

    Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.

  17. [The National Serum Bank].

    Science.gov (United States)

    Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R

    1992-01-01

    A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.

  18. De-globalising bank regulation

    Directory of Open Access Journals (Sweden)

    Mario Tonveronachi

    2013-12-01

    Full Text Available The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary, to deepen globalisation by means of more homogeneous international standards for prudential regulation and bank resolution. After all, that was the original message of the G20. The champions of globalisation argue that the new rules on prudential regulation and bank resolution will make bank crises less frequent and serious, while shielding public finances if they occur. Much of the current debate focuses on whether the new rules, especially for bank capitalisation, are strict enough to deliver financial stability. The present paper objects to focusing regulation and supervision solely on stability, to linking stability only to prudential rules and to enhancing the international harmonisation of those rules. The criticism, based on a simple exercise, looks at the structural heterogeneities that characterise both the banking systems and the growth trajectories of some developed economies. Homogenous rules, if effective, would produce inflationary or deflationary strains. If banks must serve economic growth, regulation should found financial stability mainly on structural measures, and supervision should be transformed into one of the policy tools flexibly looking after local conditions.

  19. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

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

  20. Akselerasi Pertumbuhan Bank Syariah Di Indonesia

    OpenAIRE

    Zubair, Muhammad Kamal

    2008-01-01

    This paper aims to show the growth of Islamic banking industry in Indonesia. In this time, fast growth of Islamic banking industry progressively is office network side as consequence of improvement of requirement of society and enthusiasm of bank to provide service. Bank of Indonesia estimate in the this year 2008, Islamic banking industry will enjoy high growth to be compared to national banking in general. This prediction based on the finishing Law of Islamic Securities (SBSN) and Law of Is...

  1. 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.

  2. Waterway e sviluppo del territorio: nuova mobilità e turismo sostenibile

    Directory of Open Access Journals (Sweden)

    Oriana Giovinazzi

    2010-10-01

    Full Text Available Spesso origine dei primi insediamenti urbani, i corsi d’acqua sono stati nei secoli fonte di sostentamento per le popolazioni e strumento di scambio tra genti e culture. Proprio per il loro scorrere attraverso il territorio, essi sono per definizione luoghi di relazione, di intersezione tra diverse realtà urbane dove si incontrano ambiente, architettura, pianificazione, trasporti ma anche arte, cultura e turismo. Per questa loro caratteristica, le vie d’acqua rappresentano una grande potenzialità per lo sviluppo del territorio sia in termini di mobilità – di merci e di persone - che di turismo sostenibile. La loro riqualificazione permette di recuperare il ruolo di spazio pubblico e di paesaggio rurale, urbano e turistico di qualità; luoghi di fruizione turistica, culturale, gastronomica e sportiva, quindi di qualità della vita. Dopo decenni di oblio, sollecitata dal rinnovato interesse verso questi assi e anche dalle direttive dell’Unione Europee, l’Italia e, in particolare il Nord del paese, muove i primi passi verso la valorizzazione delle waterway a fini turistico-culturali, aprendo nuove possibilità di sviluppo del territorio. Sia pur con ritardo rispetto ad altri Paesi, che da anni e in diverse forme valorizzano e “sfruttano” le vie d’acqua, si avverte anche in Italia un cambio di mentalità che vede nell’uso e nel recupero di tale risorsa uno strumento importante per garantire la sostenibilità ambientale ed economica e il recupero di una identità culturale quasi dimenticata.

  3. Bacterial diversity impacts as a result of combined sewer overflow in a polluted waterway

    Directory of Open Access Journals (Sweden)

    O. Calderon

    2017-12-01

    Full Text Available Newtown Creek is an industrial waterway and former tidal wetland in New York City. It is one of the most polluted water bodies in the United States and was designated as a superfund site in 2010. For over a century, organic compounds, heavy metals, and other forms of industrial pollution have disrupted the creek’s environment. The creek is also impacted by discharges from twenty combined sewer overflow pipes, which may deposit raw sewage or partially treated wastewater directly into the creek during heavy or sustained rain events. Combined sewer overflow events and associated nutrient over-enrichment at the creek drive eutrophication and subsequent hypoxia. At the current study, three sites were sampled one week apart during a dry period and a wet period, where indication of a combined sewage overflow event could be detected. 16s rRNA high-throughput sequencing from these three sites collectively yielded over 1000 species of bacteria belonging to twenty-two classes. Based on these data, it is hypothesized that differences identified in the microbiome on wet versus dry days are as a result of combined sewage overflow, street runoff, and additional fluctuations in the creek’s environment associated with rain. It was found that after a combined sewer overflows event, the levels of Gamma Proteobacteria increased while the levels of Actinobacteria decreased. However, levels of bacteria stayed relatively unchanged at a site further away from combined sewer overflows discharge. Species found in Newtown Creek include pelagic, marine, human and animal pathogens, hydrocarbonoclastic, and other environmental microbes.

  4. Biomarker responses and PAH ratios in fish inhabiting an estuarine urban waterway.

    Science.gov (United States)

    Duarte, Rafael Mendonça; Sadauskas-Henrique, Helen; de Almeida-Val, Vera Maria Fonseca; Val, Adalberto Luis; Nice, Helen Elizabeth; Gagnon, Marthe Monique

    2017-10-01

    Many cities worldwide are established adjacent to estuaries and their catchments resulting in estuarine contamination due to intense anthropogenic activities. The aim of this study was to evaluate if fish living in an estuarine urban waterway were affected by contamination, via the measurement of a suite of biomarkers of fish health. Black bream (Acanthopagrus butcheri) were sampled in a small urban embayment and a suite of biomarkers of fish health measured. These were condition factor (CF), liver somatic index (LSI), gonadosomatic index (GSI), hepatic EROD activity, polycyclic aromatic hydrocarbon (PAH) biliary metabolites, serum sorbitol dehydrogenase (s-SDH) and branchial enzymes cytochrome C oxidase (CCO), and lactate dehydrogenase (LDH) activities. The biomarkers of exposure EROD activity, and pyrene- and B(a)P-type biliary metabolites confirmed current or recent exposure of the fish and that fish were metabolizing contaminants. Relative to a reference site, LSI was higher in fish collected in the urban inlet as was the metabolic enzyme LDH activity. CF, GSI, s-SDH, CCO, and naphthalene-type metabolites were at similar levels in the urban inlet relative to the reference site. PAH biliary metabolite ratios of high-molecular-weight to low-molecular-weight suggest that fish from the urban inlet were exposed to pyrogenic PAHs, likely from legacy contamination and road runoff entering the embayment. Similarly, the sediment PAH ratios and the freshness indices suggested legacy contamination of a pyrogenic source, likely originating from the adjacent historic gasworks site and a degree of contamination of petrogenic nature entering the inlet via storm water discharge. Biomarkers of exposure and effect confirmed that black bream collected in the Claisebrook Cove inlet, Western Australia, are currently exposed to contamination and are experiencing metabolic perturbations not observed in fish collected at a nearby reference site. © 2017 Wiley Periodicals, Inc.

  5. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

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

  6. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...

  7. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  8. Organizational Support for Workers' Recuperation in Nigerian Banks ...

    African Journals Online (AJOL)

    This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...

  9. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...... in the required return, the interest rate premium paid for leniency isincreased in recession at a given level of required capital....

  10. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

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

  11. INSOLVENCY AND BANK FINANCIAL POLICY

    OpenAIRE

    Mihaela GÖNDÖR

    2011-01-01

    Insolvency is one of the most often used actions in the economic intern environment. This can be used by companies as a tool for obtaining the restructuring of bank loans or to provide shelter to enforcement. For banks, that means serious problems because they are forced to fully provisioned credit granted to companies that enter into insolvency, even if the rates are paid to date or with small delays, any guaranties was held. In this situation, for banks in Romania, the perception of risk is...

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

    OpenAIRE

    Mahmuddin Yasin

    2014-01-01

    This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO). The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1) integration human resources...

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

    OpenAIRE

    Makosana, Musa

    2014-01-01

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

  14. List of Publications of the U.S. Army Engineer Waterways Experiment Station. Volume 2

    Science.gov (United States)

    1993-09-01

    R f P Frcrch III TR ELI851 I (k I I go ~ws Uiutmwon Systim OptimmuaLoi1. by Johannes AD A163 493 Gcukm and 1 M Wa~is TR EL-Ri-1- Dtv I"’ Rewits of Dam...During Dredging, by J. B. Herbich and S. B. Brahme CR HL-92-1 Sep 1992 Identification of Piping and Sapping Erosion of Stream- AD A259 028 banks, by D. J

  15. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... 23261-4528: 1. U.S. Immigration Investment Center, LLC, Washington, DC, and its managing director...

  16. 75 FR 19974 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-16

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... L. Lowe, Danville, California; and Christopher A. Masto, San Francisco, California; as the managing...

  17. 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.

  18. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    California Natural Resource Agency — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...

  19. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    California Department of Resources — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...

  20. NIH NeuroBioBank

    Data.gov (United States)

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

  1. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

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

  2. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

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

  3. Case Study: Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

    Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

  4. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

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

  5. Transport and handling of dangerous goods. Training of persons in charge of vehicles or vessels carrying dangerous goods by road or by inland waterways (Dangerous Goods 1979 No.1)

    International Nuclear Information System (INIS)

    1979-01-01

    This Order supplements the Regulations of 15 April 1945 on the transport of dangerous goods by rail, land and inland waterways. It deals with the training of persons in charge of vehicles or boats carrying dangerous goods by road or by inland waterways. It refers in particular to transport of radioactive materials. (NEA) [fr

  6. PENGARUH DIMENSI BANKING SERVICE QUALITY (BSQ TERHADAP KEPUASAN NASABAH BANK

    Directory of Open Access Journals (Sweden)

    Sri Sumardiningsih

    2012-10-01

    Full Text Available Abstract: Effect of Banking Service Quality (BSQ Dimensions towards Bank Customer Satisfaction. This study aims to determine the effect of Banking Service Quality (BSQ to the customer satisfaction of BPD Bank in DIY. This research is a survey research with a sample of 1.536 respondents. The sample was taken by purposive sampling technique. Data collection instrument was questionnaires and analyzed using multiple regression. The results showed that six dimensions of BSQ simultaneously gave positive and significant impact on customer satisfaction. If seen from each dimension individually; the highest influence came from the reliability dimension and the lowest dimensions were from Access and Services Portfolio dimensions. For the national servants (PNS customers, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. For the non national servants, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. Keywords: Banking Service Quality, Customer Satisfaction   Abstrak: Pengaruh Dimensi Banking Service Quality (BSQ Terhadap Kepuasan Nasabah Bank. Penelitian ini bertujuan untuk mengetahui pengaruh Banking Service Quality (BSQ terhadap kepuasan nasabah Bank BPD di DIY. Penelitian ini merupakan penelitian survey dengan sampel secara keseluruhan berjumlah 1.536 responden. Sampel diambil dengan teknik purposive sampling. Instrumen pengumpulan data berupa kuesioner dan dianalisis  dengan regresi ganda. Hasil penelitian menunjukkan keenam dimensi BSQ secara simultan berpengaruh positif dan signifikan terhadap kepuasan nasabah, jika dilihat tiap dimensi maka pengaruh tertinggi berasal dari dimensi keterhandalan dan terendah dari dimensi

  7. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

    Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relations...

  8. Enhancing the use of internet banking in an emerging market

    OpenAIRE

    Jacques Nel; Christo Boshoff

    2014-01-01

    Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking fac...

  9. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    OpenAIRE

    Dragan (Santamarian) Oana Raluca

    2012-01-01

    This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations...

  10. Consumer behavior in corporate banking

    Directory of Open Access Journals (Sweden)

    Đorđević Bojan

    2008-01-01

    Full Text Available Deregulation and the emergence of new forms of technology have created highly competitive market conditions which have had a critical impact upon consumer behavior in corporate banking. Bank providers must, therefore, attempt to better understand their corporate clients in an attempt not only to anticipate but also to influence and determine consumer buying behavior. The paper accordingly presents and develops a model which attempts to articulate and classify corporate consumer behavior in the purchasing of financial products and services.

  11. Bubbles, Banks, and Financial Stability

    OpenAIRE

    Kosuke Aoki; Kalin Nikolov

    2011-01-01

    This paper asks two main questions: (1) What makes some asset price bubbles more costly for the real economy than others? and (2) When do costly bubbles occur? We construct a model of rational bubbles under credit frictions and show that when bubbles held by banks burst this is followed by a costly financial crisis. In contrast, bubbles held by ordinary savers have relatively muted effects. Banks tend to invest in bubbles when financial liberalisation decreases their profitability.

  12. Quality indicators for eye bank

    Directory of Open Access Journals (Sweden)

    Manisha Acharya

    2018-01-01

    Full Text Available Purpose: The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Methods: Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions – “result quality” and “process quality.” The indicators were measured and tracked as part of quality assurance (QA program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011–2016. Results: Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%, discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. Conclusion: These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

  13. Quality indicators for eye bank.

    Science.gov (United States)

    Acharya, Manisha; Biswas, Saurabh; Das, Animesh; Mathur, Umang; Dave, Abhishek; Singh, Ashok; Dubey, Suneeta

    2018-03-01

    The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions - "result quality" and "process quality." The indicators were measured and tracked as part of quality assurance (QA) program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP) with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011-2016. Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%), discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

  14. PERFORMANCE AUDITING FOR ISLAMIC BANKS

    OpenAIRE

    KHAN, MUHAMMAD AKRAM

    1997-01-01

    Although the Islamic finance is making continuous progress, yet the Islamic banks still face criticism from keen observers that they have adopted such techniques of financing which closely resemble interest-based finance. The difficulty with Islamic banks is that they feel hesitant to adopt profit-loss sharing in the contemporary environment. They are afraid that their clients may misreport or mismanage their funds leading to large-scale losses. Being trustees of public funds they think the r...

  15. Fractional Reserve in Banking System

    OpenAIRE

    Valkonen, Maria

    2016-01-01

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

  16. Fractional Reserve Banking: Some Quibbles

    OpenAIRE

    Bagus, Philipp; Howden, David

    2010-01-01

    We explore several unaddressed issues in George Selgin’s (1988) claim that the best monetary system to maintain monetary equilibrium is a fractional reserve free banking one. The claim that adverse clearing balances would limit credit expansion in a fractional reserve free banking system is more troublesome than previously reckoned. Both lengthened clearing periods and interbank agreements render credit expansion unrestrained. “The theory of free banking” confuses increases in money held with...

  17. CORPORATE GOVERNANCE OF BANKS : A SURVEY

    NARCIS (Netherlands)

    de Haan, Jakob; Vlahu, Razvan

    This paper reviews the empirical literature on the corporate governance of banks. We start by highlighting the main differences between banks and nonfinancial firms and focus on three characteristics that make banks special: (i) regulation, (ii) the capital structure of banks, and (iii) the

  18. 31 CFR 500.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 500.320 Section 500... § 500.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of any designated foreign country: Any bank or trust...

  19. 31 CFR 535.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 535.320 Section 535... § 535.320 Domestic bank. (a) The term domestic bank shall mean any branch or office within the United States of any of the following which is not Iran or an Iranian entity: any bank or trust company...

  20. 31 CFR 515.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 515.320 Section 515... § 515.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of a designated foreign country; any bank or trust...

  1. Foreign bank ownership and household credit

    NARCIS (Netherlands)

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

    2015-01-01

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

  2. Bank governance, regulation, and risk taking

    NARCIS (Netherlands)

    Laeven, L.; Levine, R.

    2009-01-01

    This paper conducts the first empirical assessment of theories concerning risk taking by banks, their ownership structures, and national bank regulations. We focus on conflicts between bank managers and owners over risk, and we show that bank risk taking varies positively with the comparative power

  3. Stress-testing banks under deep uncertainty

    NARCIS (Netherlands)

    Islam, T.; Vasilopoulos, C.; Pruyt, E.

    2013-01-01

    Years of turmoil in the banking sector have revealed the need to assess bank performance under deep uncertainty and identify vulnerabilities to different types of risks. Banks are not the safe houses of old. Today, banks are highly uncertain dynamically complex systems that are permanently at risk

  4. Essays in banking and international finance

    NARCIS (Netherlands)

    Schäfer, Larissa

    2015-01-01

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

  5. 31 CFR 515.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 515.314 Section... § 515.314 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  6. 31 CFR 500.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 500.314 Section... § 500.314 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  7. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  8. International taxation and cross-border banking

    NARCIS (Netherlands)

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

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

  9. 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.

  10. Marketing Aspect of Banking Competition

    Directory of Open Access Journals (Sweden)

    Nieizviestna Olena V.

    2015-03-01

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

  11. [Eye banks and available transplants].

    Science.gov (United States)

    Slettedal, Jon Klokk; Drolsum, Liv; Ramstad, Hanne; Nicolaissen, Bjørn

    2008-04-17

    Eye banks have procured, processed and stored donor corneas for decades. In parallel, new techniques have emerged employing allogeneic transplantation of various cells and tissues from the eye banks. This progress is a consequence of increased knowledge of stem cells, cell kinetics and immunological aspects and improved techniques for cell culturing, tissue storage and microsurgery. Review article on available transplants for treating eye diseases, based on experience with eye banking, clinical ophthalmological practice, own research and literature retrieved from PubMed, Medline and www.google.com. Treatment techniques for eye diseases, which require biological material for grafting, need efficient eye banks for continuous supply of donor material of high quality. New Norwegian legislation, based on implementation of EU Directive 2004/23/EC, demands authorization of all eye banks. The EU Directive sets high and rigorous standards for quality and safety for donation, procurement, testing, processing, storage and distribution of tissues and cells. Well-run eye banks are of great importance for modern treatment of patients suffering from eye diseases and for progress and research in ophthalmology.

  12. The analysis of inland water transport on technically developed Polish section of the E70 waterway using GIS tools in the years 2005-2014

    Science.gov (United States)

    Rabant, Hubert; Szatten, Dawid; Nadolny, Grzegorz

    2017-11-01

    The article presents the characteristics of changes in the spatial extent of transport on the hydrotechnically developed section of the E70 waterway in Poland using methods and tools of geographic information systems (GIS). The results of the analyzes show the conditions for vessel traffic, their type and volatility in the years 2005-2014. The methods made it possible to analyze the spatial determinants of navigation. The obtained results were referred to the current state and prospects for development of Polish waterways and indicated that the applied tools have a great application role in the research on their logistics and development.

  13. COMPETITION IN ROMANIAN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Capraru Bogdan

    2011-07-01

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

  14. 31 CFR 103.187 - Special measures against Myanmar Mayflower Bank and Asia Wealth Bank.

    Science.gov (United States)

    2010-07-01

    ... Mayflower Bank and Asia Wealth Bank. 103.187 Section 103.187 Money and Finance: Treasury Regulations... Anti-Money Laundering Programs Law Enforcement Access to Foreign Bank Records § 103.187 Special measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...

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

    NARCIS (Netherlands)

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

    2006-01-01

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

  16. The impact of foreign bank entry on domestic banking markets : a note

    NARCIS (Netherlands)

    Hermes, Niels; Lensink, Robert

    2001-01-01

    Claessens, et al. (2001) empirically investigate the impact of foreign bank entry on domestic banking markets. They show that foreign bank entry reduces income, profits and costs of domestic banks. They conclude that foreign entry improves the functioning of national banking markets through

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

    NARCIS (Netherlands)

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

    2010-01-01

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

  18. Bank deposits, notions and features of accounting

    Directory of Open Access Journals (Sweden)

    Georgeta MELNIC

    2016-06-01

    Full Text Available Bank deposits are the main method of raising capital and short-term available savings. The opening and using of the bank deposits is the main function of banks. In 2004 the Deposit Guarantee Fund was set up in the Republic of Moldova of Deposit Guarantee Fund and for the first time there was established a guaranteed bank minimum in case of bank insolvency which is currently 6,000 lei for the deposit of each natural person.

  19. Humane Orientation and Corruption in Bank Lending

    OpenAIRE

    Siwapong Dheera-aumpon

    2017-01-01

    Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural...

  20. Small banks and local economic development

    OpenAIRE

    Hakenes , Hendrik; Hasan, Iftekhar; Molyneux, Phil; Xie , Ru

    2014-01-01

    This article discusses the effects of small banks on economic growth. We first theoretically show that small banks operating at a regional level can spur local economic growth. As compared with big interregional banks, small regional banks are more effective in promoting local economic growth, especially in regions with lower initial endowments and severe credit rationing. We then test the model predictions using a sample of German banks and corresponding regional statistics. We find that sma...

  1. Financial stability of banking system in China

    OpenAIRE

    Jiang, B

    2014-01-01

    This thesis aims at investigating the financial stability of China's banking system. Since the banking system is one of the most important financial intermediaries in the financial systems, the financial soundness of banks could secure the stability of the whole financial system. Two of the factors that may significantly increase imbalance of the banking system, and hence affect financial stability of an economy is the accumulated non-performing loans of banks and the macro-economic turbulenc...

  2. Urban Cooperative Banks :At CrossRoads

    OpenAIRE

    Nagarajapillai, Ramu

    2008-01-01

    Urban Cooperative Bank in India, with their long history of over 100 years, play an important role in financial inclusion. The mainstay of these banks was rooted in their captive clientele the forms of shareholders, and also in some cases specific community or location. This shielded them from the competition from large commercial banks. Recently, Indian banking industry has witnessed failure of a large number of Urban Cooperative banks. What are the reasons for these failures and what lays a...

  3. Customer Satisfaction and Islamic Banking in Pakistan

    OpenAIRE

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

    2011-01-01

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

  4. Islamic Banking in Pakistan: A Critical Analysis

    OpenAIRE

    Shaikh, Salman

    2012-01-01

    Islamic banking in Pakistan has completed one decade of operations in Pakistan and now there are 5 full-fledged Islamic banks and more than 15 conventional banks with Islamic banking windows. Due to the consistent double digit growth in total assets, the market share had steadily risen to 7% by the end of 2011. However, meaningful assessment of Islamic banking requires looking at how far they have contributed to uphold Islamic principles, values and bringing about or at least working towards ...

  5. Balancing the Regulation and Taxing of Banking

    OpenAIRE

    Mullineux, Andrew; Chaudhry, S.M.; Agarwal, N.

    2015-01-01

    This study gives an overview of bank taxation as an alternative to prudential regulations or non-revenue taxation. We review existing bank taxation with a view to eliminating distortions in the tax system, which have incentivized banks to engage in risky activities in the past. We furthermore analyze taxation of financial instruments trading and taxation of banking products and services and their ability to finance resolution mechanisms for banks and to ensure their stability. In this respect...

  6. Applicability of market-based instruments for safeguarding water quality in coastal waterways: Case study for Darwin Harbour, Australia

    Science.gov (United States)

    Greiner, Romy

    2014-02-01

    Water pollution of coastal waterways is a complex problem due to the cocktail of pollutants and multiplicity of polluters involved and pollution characteristics. Pollution control therefore requires a combination of policy instruments. This paper examines the applicability of market-based instruments to achieve effective and efficient water quality management in Darwin Harbour, Northern Territory, Australia. Potential applicability of instruments is examined in the context of biophysical and economic pollution characteristics, and experience with instruments elsewhere. The paper concludes that there is potential for inclusion of market-based instruments as part of an instrument mix to safeguard water quality in Darwin Harbour. It recommends, in particular, expanding the existing licencing system to include quantitative pollution limits for all significant point polluters; comprehensive and independent pollution monitoring across Darwin Harbour; public disclosure of water quality and emissions data; positive incentives for landholders in the Darwin Harbour catchment to improve land management practices; a stormwater offset program for greenfield urban developments; adoption of performance bonds for developments and operations which pose a substantial risk to water quality, including port expansion and dredging; and detailed consideration of a bubble licensing scheme for nutrient pollution. The paper offers an analytical framework for policy makers and resource managers tasked with water quality management in coastal waterways elsewhere in Australia and globally, and helps to scan for MBIs suitable in any given environmental management situation.

  7. Electromagnetic wave survey on voids behind waterway channel lining; Suiro kaikyo sokuheki haimen kudo no denjiha tansa

    Energy Technology Data Exchange (ETDEWEB)

    Koitabashi, H. [Tokyo Electric Power Co. Inc., Tokyo (Japan); Inagaki, M.

    1996-10-01

    Voids behind lining were surveyed by applying electromagnetic wave reflection method to the waterway channel of a hydraulic power plant. Since waterway channel lining is ranged from oblique to vertical direction, voids are hardly formed. However, formation of voids or cavities behind lining is supposed such as voids between ground and lining due to change with time or consolidation settlement, and voids due to soil loss. Electromagnetic radar reflection suggesting continuous void was observed behind terrace concrete lining. As the result of core boring, thin continuous void of 2-5cm thick and more than 100m long was found. This was possibly formed by consolidation settlement for a long time. In some sites, continuous void signal was observed at the upper part of side walls although this signal was smaller than that at the upper part of a terrace. This continuous cavity of 10-20cm thick and 20m long was different from voids, and unevenly distributed at the upper part of an open channel along flowing surface with large flow rate. In addition, it is necessary to clarify the relation to cracks. 2 refs., 4 figs.

  8. Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs in the Indian Banking Sector

    Directory of Open Access Journals (Sweden)

    Memdani Laila

    2017-08-01

    Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.

  9. Pattern Analysis On Banking Dataset

    Directory of Open Access Journals (Sweden)

    Amritpal Singh

    2015-06-01

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

  10. Blood banking services in India.

    Science.gov (United States)

    Sardana, V N

    1996-01-01

    India's health care sector has made impressive strides toward providing health for all by the year 2000. That progress, however, has not been supported by a modern transfusion services network which continues to improve itself. In India, blood collection, storage, and delivery occur mainly in blood banks attached to hospitals, most of which are under central and state government controls. A significant portion of blood banking activity is also done by voluntary agencies and private sector blood banks. A study found the blood transfusion services infrastructure to be highly decentralized and lacking of many critical resources; an overall shortage of blood, especially from volunteer donors; limited and erratic testing facilities; an extremely limited blood component production/availability/use; and a shortage of health care professionals in the field of transfusion services. Infrastructural modernization and the technical upgrading of skills in the blood banks would, however, provide India with a dynamic transfusion services network. The safety of blood transfusion, the national blood safety program, HIV testing facilities, modernization of blood banks, the rational use of blood, program management, manpower development, the legal framework, voluntary blood donation, and a 1996 Supreme Court judgement on the need to focus greater attention upon the blood program are discussed.

  11. 12 CFR 34.84 - Future bank expansion.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Other Real Estate Owned § 34.84 Future bank expansion. A national bank normally should use real...

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

    Science.gov (United States)

    2010-01-01

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

  13. Measuring commercial bank efficiency : use and misuse of bank operating ratios

    OpenAIRE

    Vittas, Dimitri

    1991-01-01

    Measuring bank efficiency is difficult because there is no satisfactory definition of bank output. Neither the number of accounts nor total assets, total loans, nor total deposits provide a good index of output. Moreover, the value added of banks - given by their labor costs and profits - measures both the output and cost of banking. Many analysts use accounting data on bank margins, costs and profits as measures of bank efficiency. But the usefulness of such data is undermined by substantial...

  14. OPERATIONAL RISK DISCLOSURE IN ROMANIAN COMMERCIAL BANKS

    Directory of Open Access Journals (Sweden)

    HERGHILIGIU Roxana

    2013-12-01

    Full Text Available This paper aims to assess the actual operational risk disclosure in Romanian banks. Therefore we focus on the operational risk information that Romanian banks reveal and if they conform to the requirements of the National Bank of Romania. The study methodology consists in testing the annual financial reports for Romanian commercial banks. The analysis shows that the financial reports of Romanian banks are not in consonance with the requirements of the National Bank of Romania relating to operational risk revealer and also there are many discrepancies between Romanian banks relating to the format of the financial report, which presents the operational risk disclosures. Commercial banks in Romania have different approaches of showing the disclosures of operational risk. Accordingly, they do not disclose the same types of information. Our study advice Romanian commercial banks to increase prevailing operational risk disclosure proceedings. The contribution of this paper is to highlight the Romanian commercial approaches of the operational risk disclosures.

  15. 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.

  16. 77 FR 3609 - Safety Zone; Gulf Intracoastal Waterway, Mile Marker 35.2 to Mile Marker 35.5, Larose, Lafourche...

    Science.gov (United States)

    2012-01-25

    ... SECURITY Coast Guard 33 CFR Part 165 RIN 1625-AA00 Safety Zone; Gulf Intracoastal Waterway, Mile Marker 35.2 to Mile Marker 35.5, Larose, Lafourche Parish, LA AGENCY: Coast Guard, DHS. ACTION: Temporary... installation of a new sheetpile floodwall on the waterward side of the existing Larose floodwall and...

  17. An intermodal network model of coal distribution in the United States and its economic implications for the inland waterway system Kentucky : final report.

    Science.gov (United States)

    2016-01-22

    This paper describes a GIS-based intermodal network model for the shipment of coal in the United States. The purpose : of this research was to investigate the role played by railways, waterways, and highways in the movement of coal from : its source ...

  18. Predicting PTSD following bank robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Elklit, Ask

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

  19. Materials compatibility information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1977-01-01

    A major concern in the design of weapons systems is the compatibility of the materials used with each other and with the enclosed environment. Usually these systems require long term storage with a high reliability for proper function at the end of this storage period. Materials selection is then based on both past experience and laboratory accelerated aging experiments to assure this long term reliability. To assist in the task of materials selection a computerized materials compatibility data bank is being established. This data bank will provide a source of annotated information and references to personnel and documents for both the designer and materials engineer to draw on for guidance in materials selection. The data bank storage and information retrieval philosophy will be discussed and procedures for information gathering outlined. Examples of data entries and search routines will be presented to demonstrate the usefulness and versatility of the proposed system

  20. Success is in the bank

    Science.gov (United States)

    de Vincent-Humphreys, Rupert

    2008-05-01

    As the nation's central bank, the Bank of England is committed to promoting and maintaining monetary and financial stability. Broadly speaking, this means that it sets the interest rate at a level such that the economy should meet the UK government's 2% inflation target in the medium term, and it analyses the financial system to identify and reduce systemic risks to the country's financial infrastructure. The Bank also performs several other critical functions, including managing the approximately £42bn worth of banknotes in circulation and managing the nation's foreign-currency reserves - a multicurrency fund worth some £23bn. As a physicist, I find that I can make a full contribution to this work.

  1. 12 CFR 987.7 - Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks. 987.7 Section 987.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.7 Liability of Banks, Finance...

  2. Promotional activities of banks in Serbia

    Directory of Open Access Journals (Sweden)

    Zelenović Vera

    2008-01-01

    Full Text Available The paper is focused on banking sector in Serbia, particulary on promotional activities of banks in public and on media. The authors of paper tried to find cause and effect relationship between business success and working quality on the one hand and investment in promotion activities of bank on the other hand, like important instrument of bank's business policy realization. Promotional activities appear like successful instrument in order to increase satisfaction of the bank's clients, which effect the increase of successfulness of banks' business.

  3. Evaluation of streambed scour at bridges over tidal waterways in Alaska

    Science.gov (United States)

    Conaway, Jeffrey S.; Schauer, Paul V.

    2012-01-01

    The potential for streambed scour was evaluated at 41 bridges that cross tidal waterways in Alaska. These bridges are subject to several coastal and riverine processes that have the potential, individually or in combination, to induce streambed scour or to damage the structure or adjacent channel. The proximity of a bridge to the ocean and water-surface elevation and velocity data collected over a tidal cycle were criteria used to identify the flow regime at each bridge, whether tidal, riverine, or mixed, that had the greatest potential to induce streambed scour. Water-surface elevations measured through at least one tide cycle at 32 bridges were correlated to water levels at the nearest tide station. Asymmetry of the tidal portion of the hydrograph during the outgoing tide at 12 bridges indicated that riverine flows were stored upstream of the bridge during the tidal exchange. This scenario results in greater discharges and velocities during the outgoing tide compared to those on the incoming tide. Velocity data were collected during outgoing tides at 10 bridges that experienced complete flow reversals, and measured velocities during the outgoing tide exceeded the critical velocity required to initiate sediment transport at three sites. The primary risk for streambed scour at most of the sites considered in this study is from riverine flows rather than tidal fluctuations. A scour evaluation for riverine flow was completed at 35 bridges. Scour from riverine flow was not the primary risk for six tidally-controlled bridges and therefore not evaluated at those sites. Field data including channel cross sections, a discharge measurement, and a water-surface slope were collected at the 35 bridges. Channel instability was identified at 14 bridges where measurable scour and or fill were noted in repeated surveys of channel cross sections at the bridge. Water-surface profiles for the 1-percent annual exceedance probability discharge were calculated by using the Hydrologic

  4. Banking beyond banks and money a guide to banking services in the twenty-first century

    CERN Document Server

    Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

    2016-01-01

    Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...

  5. What about the multilateral banks?

    International Nuclear Information System (INIS)

    Planas Alexandra

    1998-02-01

    The role the World Bank and the Inter-American Development Bank are regarding the climate change problem is, in the same way as the international negotiations, pretty weak compared to the magnitude of the problem. The contradictions within these organizations concerning project financing and policies and strategies to support their clients in a sustainable energy path constitute a clear example of the ambiguities that still surrounds the position of the different countries in respect to the human induced global warming problem. Finally, we can see how the different countries and the new market conditions determine the role these organizations can play regarding the climate change problem

  6. Q-bank phytoplasma database

    DEFF Research Database (Denmark)

    Contaldo, Nicoletta; Bertaccini, Assunta; Nicolaisen, Mogens

    2014-01-01

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

  7. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...... of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings...

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

    African Journals Online (AJOL)

    The announcement by the Central Bank of Nigeria (CBN) that “CBN is in talks; in efforts to explore the possible adoption of sukuk (Islamic) bonds for financing the infrastructural requirements in Nigeria” has generated a raging argument forand against the proposal. Basically, Nigeria is a Secular State thus; CBN is not ...

  9. 78 FR 20919 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-08

    ... the Citizens Bank and Trust, both in Jackson, Kentucky, and Farmers Deposit Bank, Middleburg, Kentucky.... Board of Governors of the Federal Reserve System, April 3, 2013. Michael J. Lewandowski, Assistant...

  10. 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.

  11. 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

    ... may express their views in writing to the Reserve Bank indicated for that notice or to the offices of... American Metro Bancorp, Inc., and thereby indirectly acquire control of American Metro Bank, both in...

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

    Directory of Open Access Journals (Sweden)

    Usman Bashir

    2014-04-01

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

  13. KINERJA KEUANGAN BANK DAN STABILITAS MAKROEKONOMI TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Imam Mukhlis

    2017-03-01

    Full Text Available This paper investigated the determinants of the profitability of syaria banking in Indonesia for 2008-2010.The objects were Bank Muamalat, Bank Mega Syariah, Bank BNI Syariah, Bank BRI Syariah, and BankSyariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profitto total asset of the syaria bank. Meanwhile, the independent variabels were Capital Adequacy Ratio (CAR,Finance to deposit Ratio (FDR, Non Performing Finance (NPF, Inflation (INF and Economic Growth (GR.The method used to analyze in this research was panel data. The result of analysis was that CAR variable hadnegative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economicgrowth variable had positive and signficant effect to profitability of syaria banking in Indonesia for 2008-2010. The existence of economic growth effect to banking profitability showed that there was theory of growththat led to finance in Indonesian economy.

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  15. 77 FR 61606 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-10

    ... of a family control group which consists of Clayton B. Patrick; Liz S. Patrick; Clayton M. Patrick... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

  16. 78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-07

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Johnson Bank as trustee, both of Racine, Wisconsin; to join the existing Johnson Family Control Group and...

  17. Chemical concentrations in water and suspended sediment, Green River to Lower Duwamish Waterway near Seattle, Washington, 2016–17

    Science.gov (United States)

    Conn, Kathleen E.; Black, Robert W.; Peterson, Norman T.; Senter, Craig A.; Chapman, Elena A.

    2018-01-05

    From August 2016 to March 2017, the U.S. Geological Survey (USGS) collected representative samples of filtered and unfiltered water and suspended sediment (including the colloidal fraction) at USGS streamgage 12113390 (Duwamish River at Golf Course, at Tukwila, Washington) during 13 periods of differing flow conditions. Samples were analyzed by Washington-State-accredited laboratories for a large suite of compounds, including metals, dioxins/furans, semivolatile compounds including polycyclic aromatic hydrocarbons, butyltins, the 209 polychlorinated biphenyl (PCB) congeners, and total and dissolved organic carbon. Concurrent with the chemistry sampling, water-quality field parameters were measured, and representative water samples were collected and analyzed for river suspended-sediment concentration and particle-size distribution. The results provide new data that can be used to estimate sediment and chemical loads transported by the Green River to the Lower Duwamish Waterway.

  18. Characteristics of Managing Operational Banking Risk

    Directory of Open Access Journals (Sweden)

    Adela Socol

    2008-12-01

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

  19. Regional Development and Effects of Investment Banks

    Directory of Open Access Journals (Sweden)

    İsmail Erkan Çelik

    2013-04-01

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

  20. 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.

  1. Methods of marketing research in banking

    OpenAIRE

    Kraevskiy, B.; Makukhina, Ya.

    2017-01-01

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

  2. Essays in Banking and Corporate Finance

    NARCIS (Netherlands)

    T. Wang (Teng)

    2015-01-01

    markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how

  3. New Economy, Old Central Banks?

    NARCIS (Netherlands)

    Berk, Jan Marc

    2002-01-01

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

  4. Credit Policy within BRD Bank

    Directory of Open Access Journals (Sweden)

    Moraru Camelia

    2017-01-01

    It has been found that credit is indispensable to an economy, which is why the method of granting itis significant and, in this sense, the function of the bank of financial analyst plays an important rolein orienting resources towards the most efficient placements.

  5. Transportation environment data bank index

    International Nuclear Information System (INIS)

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

    1975-06-01

    In an effort to determine the environmental intensities to which shipping containers will be exposed, a ''Data Bank'' of environmental information has been established by Sandia Laboratories, Division 1542, for the ERDA Division of Waste Management and Transportation. This document is an index which can be used to request data of interest. (U.S.)

  6. The new development bank BRICS

    Directory of Open Access Journals (Sweden)

    Stojković Radomir

    2016-01-01

    Full Text Available The New Development Bank BRICS (Brazil, Russia, India, China, South Africa is a financial institution of the countries with the largest market potentials in the globalized world. The official multilateral cooperation of Brazil, Russia, India, China and South Africa is of recent date, and dates back to 2009, or, more precisely, to 2011 when South Africa officially joined this block. The cooperation in the field of economy and industry is the primary motive of the cooperation. In addition to economic and industrial cooperation which covers the widest range of trade, from finance to general business cooperation, within BRICS the cooperation has been also established in the fields of agriculture, science and technology, safety, health policy, protection and insurance, as well as in the field of statistics and the academic community. The highlight of the short-term, five-year cooperation is the establishment of a multilateral financial institution - the New Development Bank BRICS. The bank was founded according to the model of the existing global and regional banks, but without the dominant position among the members.

  7. Talking Work in a Bank

    DEFF Research Database (Denmark)

    Larsson, Magnus; Lundholm, Susanne E.

    2013-01-01

    properties are revealed through a detailed analysis of one single work episode, drawn from an ethnographic study of leadership in a bank. Using conversation analysis, the study shows that leadership, understood as an interpersonal influence process, enables and facilitates organizing processes. As expected...

  8. A Conference on Postcrisis Banking

    NARCIS (Netherlands)

    Beck, Thorsten; de Haan, Jakob; Deyoung, Robert

    This article provides an introduction to the special issue. We focus on four themes that are important for policymakers and researchers alike in view of the experiences of the global financial crisis of 2007-09 and the ensuing sovereign debt crisis in the euro area: the relevance of the banking

  9. A Classroom Experiment on Banking

    Science.gov (United States)

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

    2012-01-01

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

  10. Item Banking with Embedded Standards

    Science.gov (United States)

    MacCann, Robert G.; Stanley, Gordon

    2009-01-01

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

  11. Transportation Environment Data Bank index

    International Nuclear Information System (INIS)

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

    1977-04-01

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

  12. Transportation environment data bank index

    International Nuclear Information System (INIS)

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

    1976-02-01

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

  13. With a little help from the banks

    OpenAIRE

    Heggstad, Kari; Fjeldstad, Odd-Helge

    2017-01-01

    Africa is a source of large-scale capital flight. The purpose of this paper is to shed light on how banks facilitate capital flight from Africa. There is growing evidence that subsidiaries of the world’s major banks have been heavily involved in facilitating capital flight and money laundering. Banks and financial institutions therefore are an important piece of the puzzle to better understand the drivers of capital flight from Africa. Banks are also an important component in the development ...

  14. Determinants of Bank Profitability in Nigeria

    OpenAIRE

    Osuagwu, Eze

    2014-01-01

    There are increasing scholarly debates on the direction of policy to effectively improve the performance of banks. Some scholars argue that bank performance is enhanced by improvements in the internal organization and managerial efficiency, others argue that industry wide factors are integral to bank performance. In recent times, the direction of literature has shown that macroeconomic factors play a significant role in determining bank profitability. This paper investigates the determinants ...

  15. Investing in Climate Change. Dutch Banks Compared

    International Nuclear Information System (INIS)

    Buurgaard Nielsen, J.; Pols, D.; Van Gelder, J.W.; Denie, S.; Scheire, C.

    2007-06-01

    This report is the first comparison of the climate change performance of Dutch banks that analyses the actual investments of these banks. It reviews a substantial share of each bank's portfolio, according to three criteria: how much they invest in the main cause of climate change, fossil fuels; how much they invest in the main alternative to fossil fuels, renewable energy; the bank's plans and policies to limit their contribution to climate change

  16. Accountability of central banks: aspects and quantification

    Directory of Open Access Journals (Sweden)

    J. DE HAAN

    1999-06-01

    Full Text Available The work examines the relationship between central bank independence and accountability. The authors do this by using an indicator for central bank accountability based on the laws of 16 central banks. Central bank accountability is identified as having three distinct features, namely, the explicit definition and ranking of the objectives of monetary policy, the transparency of the actual monetary policy, and the final responsibility to monetary policy.

  17. Genesis and Persistence of Trust in Banks

    OpenAIRE

    Groessl, Ingrid; von Luede, Rolf; Fleck, Jan

    2013-01-01

    Against the background of the ongoing financial crisis the question of the genesis and persistence of trust in banks plays an important role not only for the prevention of bank runs and, related to this, for the regulation of banks, but also with respect to the perspective of customer loyalty of private investors towards their housebanks. Moreover, addressing issues of trust in banks will contribute to a better understanding of how private investors cope with the uncertainties and complexitie...

  18. Why High Leverage is Optimal for Banks

    OpenAIRE

    Harry DeAngelo; René M. Stulz

    2013-01-01

    Liquidity production is a central role of banks. We show that, under idealized conditions, high leverage is optimal for banks when there is a market premium for (socially valuable) liquid financial claims and no deviations from Modigliani and Miller (1958) due to agency problems, deposit insurance, taxes, or any other distortions. Our model can explain (i) why bank leverage increased over the last 150 years or so, (ii) why high bank leverage per se does not necessarily cause systemic risk, an...

  19. European bank for reconstruction and development

    Directory of Open Access Journals (Sweden)

    Kastratović Radovan

    2015-01-01

    Full Text Available European Bank for Reconstruction and Development - EBRD was established in the year 1991 and commenced operations in 1991. The objective of the Bank was to instigate market oriented approach to business in the countries of Central and Eastern Europe. This comprises support offered to structural reforms, privatisation, and development of entrepreneurship and legal system through financing of project conducive to the achievement of the aimed targets. The Bank approves loans both to the nation states and to the private sector. European Bank for Reconstruction and Development often appears in the role of investor. In addition, the Bank has also its consultative function. Owners of the European Bank for Reconstruction and Development are the developed countries and those that participate in the distribution of the Bank's profit. The Bank invests in the countries of Central, Eastern and South-East Europe, but also in those of Central Asia and Southern Mediterranean. The importance that the European Bank for Reconstruction and Development has for our country is best illustrated by the fact that this Bank is our largest institutional investor, with investments exceeding 3.5 billion EUR. This work begins with presentation of general information on the work of the European Bank for Reconstruction and Development, its objectives, activities, background history, ownership and organisational structure. It proceeds by giving relevant data on the Bank's business operations - the manner of project financing, the Bank's funds distribution per geographic criteria and activities, and the operative and financial results of the Bank's business activities. Brief description is also offered of the cooperation that the European Bank has with other international financial institutions. Finally, data is given bearing witness on the importance that the European Bank for Reconstruction and Development has for Serbia.

  20. Determinants of Commercial Banks' Profitability in Malaysia

    OpenAIRE

    Trofimov, Ivan D.; Md. Aris, Nazaria; Ying Ying, Jovena Kho

    2018-01-01

    This study aims to examine the relationship between non-performing loans (NPLs) and commercial banks' performance in Malaysia, alongside other factors. It considers the effect of NPLs, cost efficiency and bank size on commercial banks' profitability by using panel data regression (Pooled OLS model), covering the period of 2010-2015. The findings of the study show that NPLs and cost efficiency have a significant negative relationship with commercial banks' performances in Malaysia. On the othe...

  1. APPLIED ISSUES ABOUT BANKING RISK MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Elena Geanina Clipici

    2017-09-01

    Full Text Available The following paper emphasizes the need to deepen the understanding of the notion of banking risk management by explaining the significant risks the bank encounters during financial exercises as well as their additional entries. The study of the paper will focus on UniCredit Bank during the years 2014 and  2015 on all types of risks, in which we will provide comprehensive data on how the UniCredit Bank management applies its risk policies.

  2. 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.

  3. 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.

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

    Data.gov (United States)

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

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

    NARCIS (Netherlands)

    Deeg, Richard; Donnelly, Shawn

    2016-01-01

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

  6. 12 CFR 944.6 - Bank community support programs.

    Science.gov (United States)

    2010-01-01

    ... modification, which shall require the Bank to: (i) Conduct market research in the Bank's district; (ii) Describe how the Bank will address identified credit needs and market opportunities in the Bank's district...

  7. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2009-01-01

    We analyze the optimal pricing of government-sponsored bank debt guarantees within the context of an asset substitution framework. We show that the desirability of fair pricing of guarantees depends on the degree of transparency of the banking sector: in relatively opaque banking systems, fair

  8. Gender Differences in Career Paths in Banking.

    Science.gov (United States)

    Morgan, Sandra; And Others

    1993-01-01

    Analyzed career paths of middle managers in bank. Study of matched pairs found that men (n=25) advanced faster and reached middle management through fewer promotions and positions than did women (n=25). Men had significantly more work experience outside of banking. In banking careers, men held more jobs in lending, whereas women occupied more…

  9. Does Foreign Ownership Foster Bank Performance?

    NARCIS (Netherlands)

    Lensink, B.W.; Naaborg, I.

    2007-01-01

    We examine the effect of a rise in foreign ownership on banks' interest revenues and profitability using panel data of banks worldwide. We determine the exact yearly foreign ownership for each bank and construct a continuous foreign ownership variable. Estimating with the system generalized methods

  10. Effects of heterogeneity on bank efficiency scores

    NARCIS (Netherlands)

    Bos, J. W. B.; Koetter, M.; Kolari, J. W.; Kool, C. J. M.

    2009-01-01

    Bank efficiency estimates often serve as a proxy of managerial skill since they quantify sub-optimal production choices. But such deviations can also be due to omitted systematic differences among banks. In this study, we examine the effects of heterogeneity on bank efficiency scores. We compare

  11. Accounting for distress in bank mergers

    NARCIS (Netherlands)

    Koetter, M.; Bos, J. W. B.; Heid, F.; Kolari, J. W.; Kool, C. J. M.; Porath, D.

    2007-01-01

    Most bank merger studies do not control for hidden bailouts, which may lead to biased results. In this study we employ a unique data set of approximately 1000 mergers to analyze the determinants of bank mergers. We use undisclosed information on banks' regulatory intervention history to distinguish

  12. The Procyclical Effects of Bank Capital Regulation

    NARCIS (Netherlands)

    Repullo, R.; Suarez, J.

    2010-01-01

    We assess the procyclical effects of bank capital regulation in a dynamic equilibrium model of relationship lending in which banks are unable to access the equity markets every period. Banks anticipate that shocks to their earnings as well as the cyclical position of the economy can impair their

  13. 220 AUTOMATED CLEARING SYSTEM AND THE BANKING ...

    African Journals Online (AJOL)

    Department of Accounting, Banking & Finance. Delta State University. Asaba Campus. Abstract. This study investigated the impact of automated clearing system on the. Nigerian banking system. Secondary data were mostly sourced through The. Central Bank of Nigeria publications and analyzed using t test statistics,.

  14. 78 FR 25858 - National Practitioner Data Bank

    Science.gov (United States)

    2013-05-03

    ... HUMAN SERVICES 45 CFR Parts 60 and 61 RIN 0906-AA87 National Practitioner Data Bank AGENCY: Health... corrects non-substantive technical errors in the final rule entitled ``National Practitioner Data Bank...: Director, Division of Practitioner Data Banks, Bureau of Health Professions, Health Resources and Services...

  15. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... shareholder who holds an insurance agent's license from agreeing to compensate the bank for the use of its... be credited to an affiliate operating under the Bank Holding Company Act of 1956, 12 U.S.C. 1841 et seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable...

  16. Central bank independence and inflation revisited

    NARCIS (Netherlands)

    Klomp, J.G.; Haan, de J.

    2010-01-01

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

  17. Central bank independence and inflation revisited

    NARCIS (Netherlands)

    Klomp, Jeroen; de Haan, Jakob

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

  18. 46 CFR Sec. 2 - Bank account.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Bank account. Sec. 2 Section 2 Shipping MARITIME... TRANSACTIONS UNDER AGENCY AGREEMENTS Accounts Sec. 2 Bank account. A separate joint bank account will be... account. The order will set forth the conditions governing the establishment and maintenance of the...

  19. Accountability of Central Banks : Aspects and Quantification

    NARCIS (Netherlands)

    de Haan, J.; Amtenbrink, F.; Eijffinger, S.C.W.

    1998-01-01

    This paper starts with a discussion of the various aspects of accountability of central banks. On the basis of this discussion we construct an indicator for accountability for 16 central banks, including the European Central Bank. It is shown that the degree of accountability differs considerably

  20. The Interrelationship Between Bank Failure and Political ...

    African Journals Online (AJOL)

    Over the years there has been an increase in the number of bank failures in both centralized and decentralized economies (Saunders, 1994; Williams, 1995; The Economist, 1992; European Bank of Reconstruction, 1993). Internal reasons given for the bank failures include reckless lending, corruption, non-use of prudent ...