WorldWideScience

Sample records for biological specimen banks

  1. [The German Environmental Specimen Bank].

    Science.gov (United States)

    Schröter-Kermani, Christa; Gies, Andreas; Kolossa-Gehring, Marike

    2016-03-01

    The main objective of the German Environmental Specimen Bank (ESB) is the long-term storage of environmental and human samples under stable deep-freeze conditions for future research. The ESB is unique in providing a continuous historical record of environmental and human exposure to chemicals in Germany. ESB was started parallel to the development of the first German Chemicals Legislation in the late 1970s. In 1979, the ESB test operation began. After the Chemicals Law came into force in 1982, the ESB was established as a permanent facility in 1985. With the new European Chemicals Legislation, REACH, in 2007 responsibility for the safety of commercial chemicals and risk assessment was assigned to the industry. Since then, the ESB has become even more important in verifying the self-assessment of the industry, in evaluating the effectiveness of regulations, thus ensuring the protection of humans and the environment against adverse effects caused by exposure to chemicals. These objectives are pursued by the regular monitoring of contaminations and the assessment of temporal trends. Demonstrating the necessity of deriving exposure reduction measures, ESB results serve as key information for policy-makers. Information on preventing exposure to chemicals is available to the general public and to the public health services. The ESB is thus an important monitoring instrument of the Federal Ministry for the Environment, Nature Conservation, Building and Nuclear Safety. The Federal Environment Agency operates the ESB based on its own concepts, heads the scientific data evaluation and transfers results into the environmental policy arena and to the general public.

  2. NASA Biological Specimen Repository

    Science.gov (United States)

    McMonigal, K. A.; Pietrzyk, R. A.; Sams, C. F.; Johnson, M. A.

    2010-01-01

    The NASA Biological Specimen Repository (NBSR) was established in 2006 to collect, process, preserve and distribute spaceflight-related biological specimens from long duration ISS astronauts. This repository provides unique opportunities to study longitudinal changes in human physiology spanning may missions. The NBSR collects blood and urine samples from all participating ISS crewmembers who have provided informed consent. These biological samples are collected once before flight, during flight scheduled on flight days 15, 30, 60, 120 and within 2 weeks of landing. Postflight sessions are conducted 3 and 30 days after landing. The number of in-flight sessions is dependent on the duration of the mission. Specimens are maintained under optimal storage conditions in a manner that will maximize their integrity and viability for future research The repository operates under the authority of the NASA/JSC Committee for the Protection of Human Subjects to support scientific discovery that contributes to our fundamental knowledge in the area of human physiological changes and adaptation to a microgravity environment. The NBSR will institute guidelines for the solicitation, review and sample distribution process through establishment of the NBSR Advisory Board. The Advisory Board will be composed of representatives of all participating space agencies to evaluate each request from investigators for use of the samples. This process will be consistent with ethical principles, protection of crewmember confidentiality, prevailing laws and regulations, intellectual property policies, and consent form language. Operations supporting the NBSR are scheduled to continue until the end of U.S. presence on the ISS. Sample distribution is proposed to begin with selections on investigations beginning in 2017. The availability of the NBSR will contribute to the body of knowledge about the diverse factors of spaceflight on human physiology.

  3. RSB: Research Specimen Banking across the Institution

    OpenAIRE

    Pense, Rick; Grose, Tim; Anderson, Lynn; Lee, H

    2001-01-01

    Research Specimen Banking (RSB) system is a component of the translational investigations infrastructure at Moffitt Cancer Center & Research Institute. It was implemented to provide specimen management functions to support basic science cancer research taking place in conjunction with caner clinical trials. RSB handles the receipt and distribution of clinical specimens to the research labs, with identifiers that both mask personal identity and enable linkage of clinical data to correlative re...

  4. US-Canada Great Lakes Regional Specimen Bank Feasibility Study.

    Science.gov (United States)

    Kerry, A; Edmonds, C J; Landon, L; Yonker, T L

    1993-11-01

    A study to examine the feasibility of establishing a Regional Specimen Bank in the Great Lakes area of the United States and Canada has recently been initiated by the Michigan Audubon Society. There are several existing formal and informal specimen banking facilities active in the region but their combined adequacy has not been evaluated. This feasibility study will establish the need and use of a regional bank and the institution(s) necessary to satisfy this need will be recommended. The study will address the scope required to meet present and future needs including the types of specimens to be represented in the bank, geographic coverage and protocols for collection, shipping, processing, analysis and storage. A management policy of the bank will be developed encompassing business operation, costs, governing structure and personnel requirements. The legal requirements of the bank will be determined with regards to the acquisition of samples, transport across national boundaries, access to specimens and information, and liability during operation. An effective information dissemination network will be recommended that is compatible with national and international partners, will facilitate technology and information transfer and support the quality and status of the bank. Determination of secure, long-term funding sources will be one of the key elements to ensuring a safe repository. This feasibility study is funded by the Great Lakes Protection Fund.

  5. STEM tomography for thick biological specimens

    Energy Technology Data Exchange (ETDEWEB)

    Aoyama, Kazuhiro [FEI Company Japan Ltd., Application Laboratory, NSS-II Building, 2-13-34 Kohnan, Minato-ku, Tokyo 108-0075 (Japan)], E-mail: kazuhiro.aoyama@fei.com; Takagi, Tomoko [FEI Company Japan Ltd., Application Laboratory, NSS-II Building, 2-13-34 Kohnan, Minato-ku, Tokyo 108-0075 (Japan); Laboratory of Electron Microscopy, Japan Women' s University, 2-8-1 Mejirodai, Bunkyo-ku, Tokyo 112-8681 (Japan); Hirase, Ai; Miyazawa, Atsuo [Bio-multisome Research Team, RIKEN SPring-8 Center, Harima Institute, 1-1-1 Kouto, Sayo, Hyogo 679-5148 (Japan); CREST, JST (Japan)

    2008-12-15

    Scanning transmission electron microscopy (STEM) tomography was applied to biological specimens such as yeast cells, HEK293 cells and primary culture neurons. These cells, which were embedded in a resin, were cut into 1-{mu}m-thick sections. STEM tomography offers several important advantages including: (1) it is effective even for thick specimens, (2) 'dynamic focusing', (3) ease of using an annular dark field (ADF) mode and (4) linear contrasts. It has become evident that STEM tomography offers significant advantages for the observation of thick specimens. By employing STEM tomography, even a 1-{mu}m-thick specimen (which is difficult to observe by conventional transmission electron microscopy (TEM)) was successfully analyzed in three dimensions. The specimen was tilted up to 73 deg. during data acquisition. At a large tilt angle, the specimen thicknesses increase dramatically. In order to observe such thick specimens, we introduced a special small condenser aperture that reduces the collection angle of the STEM probe. The specimen damage caused by the convergent electron beam was expected to be the most serious problem; however, the damage in STEM was actually smaller than that in TEM. In this study, the irradiation damage caused by TEM- and STEM-tomography in biological specimens was quantitatively compared.

  6. Antarctic environmental specimen bank. A tool for chemical monitoring

    Energy Technology Data Exchange (ETDEWEB)

    Soggia, F.; Dalla Riva, S.; Abelmoschi, M.L.; Frache, R. [Genoa Univ., Genoa (Italy). Dipt. di Chimica e Chimica Industriale

    2000-02-01

    The work illustrates the project on Antarctic Environmental Specimen Bank (BCAA), which is an integral part of the Italian project on the micropollutants chemistry (sector on chemical contamination of the Italian Antarctic Research program, PNRA), begun in 1994 when the BCAA was installed in the department of chemistry and industrial chemistry (Genoa University, Italy). Its objective underlines an emphasis on environmental chemistry and the establishment of baselines similar to the approaches followed by the other environmental specimen banks, begun at the end of Sixties with the aim of long-term storage of representative environmental specimens in order to study the presence and the evolution of dangerous substances, but focus on the chemical characterization of samples. [Italian] Il lavoro illustra le finalita' del Progetto su una Banca Campioni Ambientali Antartici (BCAA), che e' parte integrante del progetto Chmica dei microinquinannti del Settore Contaminazione chimica del Programma Nazionale di ricerche in Antartide (ONRA), nata nel 1994 presso il dipartimento di chimicia e chimica industriale dell'universita' di Genova. A differenza di altri progetti internazionali che enfatizzano gli aspetti biologici, ecologici e medici, il progetto BCAA enfatizza la chimica ambientale.

  7. Banks Lake NWR: Biological Review Report

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — This report covers a biological review undertaken in 2007/08 at Banks Lake National Wildlife Refuge. On November 14-15, 2007, a Biological Review was conducted at...

  8. High resolution IVEM tomography of biological specimens

    Energy Technology Data Exchange (ETDEWEB)

    Sedat, J.W.; Agard, D.A. [Univ. of California, San Francisco, CA (United States)

    1997-02-01

    Electron tomography is a powerful tool for elucidating the three-dimensional architecture of large biological complexes and subcellular organelles. The introduction of intermediate voltage electron microscopes further extended the technique by providing the means to examine very large and non-symmetrical subcellular organelles, at resolutions beyond what would be possible using light microscopy. Recent studies using electron tomography on a variety of cellular organelles and assemblies such as centrosomes, kinetochores, and chromatin have clearly demonstrated the power of this technique for obtaining 3D structural information on non-symmetric cell components. When combined with biochemical and molecular observations, these 3D reconstructions have provided significant new insights into biological function.

  9. Specimen banking of marine organisms in the United States: current status and long-term prospective.

    Science.gov (United States)

    Becker, P R; Wise, S A; Thorsteinson, L; Koster, B J; Rowles, T

    1997-05-01

    A major part of the activities conducted over the last decade by the National Biomonitoring Specimen Bank (NBSB) has involved the archival of marine specimens collected by ongoing environmental monitoring programs. These archived specimens include bivalves, marine sediments, and fish tissues collected by the National Status and Trends and the Exxon Valdez Oil Spill Damage Assessment programs, and marine mammal tissues collected by the Marine Mammal Health and Stranding, Response Program and the Alaska Marine Mammal Tissue Archival Project. In addition to supporting these programs, the specimens have been used to investigate circumpolar patterns of chlorinated hydrocarbon concentrations, genetic separation of marine animal stocks, baseline levels of essential and nonessential elements in marine mammals, and the potential risk to human consumers in the Arctic from anthropogenic contaminants found in local subsistence foods. The NBSB specimens represent a resource that has the potential for addressing future issues of marine environmental quality and ecosystem changes through retrospective analysis; however, an ecosystem-based food web approach would maximize this potential. The current status of the NBSB activities related to the banking of marine organisms is presented and discussed, the long-term prospective of these activities is presented, and the importance of an ecosystem-based food web monitoring approach to the value of specimen banking is discussed.

  10. Specimen banking of marine organisms in the United States: Current status and long-term prospective

    Science.gov (United States)

    Becker, P.R.; Wise, S.A.; Thorsteinson, L.; Koster, B.J.; Rowles, T.

    1997-01-01

    A major part of the activities conducted over the last decade by the National Biomonitoring Specimen Bank (NBSB) has involved the archival of marine specimens collected by ongoing environmental monitoring programs. These archived specimens include bivalves, marine sediments, and fish tissues collected by the National Status and Trends and the Exxon Valdez Oil Spill Damage Assessment programs, and marine mammal tissues collected by the Marine Mammal Health and Stranding Response Program and the Alaska Marine Mammal Tissue Archival Project. In addition to supporting these programs, the specimens have been used to investigate circumpolar patterns of chlorinated hydrocarbon concentrations, genetic separation of marine animal stocks, baseline levels of essential and nonessential elements in marine mammals, and the potential risk to human consumers in the Arctic from anthropogenic contaminants found in local subsistence foods. The NBSB specimens represent a resource that has the potential for addressing future issues of marine environmental quality and ecosystem changes through retrospective analysis; however, an ecosystem-based food web approach would maximize this potential. The current status of the NBSB activities related to the banking of marine organisms is presented and discussed, the long-term prospective of these activities is presented, and the importance of an ecosystem-based food web monitoring approach to the value of specimen banking is discussed.

  11. A new approach to standardize multicenter studies: mobile lab technology for the German Environmental Specimen Bank.

    Science.gov (United States)

    Lermen, Dominik; Schmitt, Daniel; Bartel-Steinbach, Martina; Schröter-Kermani, Christa; Kolossa-Gehring, Marike; von Briesen, Hagen; Zimmermann, Heiko

    2014-01-01

    Technical progress has simplified tasks in lab diagnosis and improved quality of test results. Errors occurring during the pre-analytical phase have more negative impact on the quality of test results than errors encountered during the total analytical process. Different infrastructures of sampling sites can highly influence the quality of samples and therewith of analytical results. Annually the German Environmental Specimen Bank (ESB) collects, characterizes, and stores blood, plasma, and urine samples of 120-150 volunteers each on four different sampling sites in Germany. Overarching goal is to investigate the exposure to environmental pollutants of non-occupational exposed young adults combining human biomonitoring with questionnaire data. We investigated the requirements of the study and the possibility to realize a highly standardized sampling procedure on a mobile platform in order to increase the required quality of the pre-analytical phase. The results lead to the development of a mobile epidemiologic laboratory (epiLab) in the project "Labor der Zukunft" (future's lab technology). This laboratory includes a 14.7 m(2) reception area to record medical history and exposure-relevant behavior, a 21.1 m(2) examination room to record dental fillings and for blood withdrawal, a 15.5 m(2) biological safety level 2 laboratory to process and analyze samples on site including a 2.8 m(2) personnel lock and a 3.6 m2 cryofacility to immediately freeze samples. Frozen samples can be transferred to their final destination within the vehicle without breaking the cold chain. To our knowledge, we herewith describe for the first time the implementation of a biological safety laboratory (BSL) 2 lab and an epidemiologic unit on a single mobile platform. Since 2013 we have been collecting up to 15.000 individual human samples annually under highly standardized conditions using the mobile laboratory. Characterized and free of alterations they are kept ready for retrospective

  12. A new approach to standardize multicenter studies: mobile lab technology for the German Environmental Specimen Bank.

    Directory of Open Access Journals (Sweden)

    Dominik Lermen

    Full Text Available Technical progress has simplified tasks in lab diagnosis and improved quality of test results. Errors occurring during the pre-analytical phase have more negative impact on the quality of test results than errors encountered during the total analytical process. Different infrastructures of sampling sites can highly influence the quality of samples and therewith of analytical results. Annually the German Environmental Specimen Bank (ESB collects, characterizes, and stores blood, plasma, and urine samples of 120-150 volunteers each on four different sampling sites in Germany. Overarching goal is to investigate the exposure to environmental pollutants of non-occupational exposed young adults combining human biomonitoring with questionnaire data. We investigated the requirements of the study and the possibility to realize a highly standardized sampling procedure on a mobile platform in order to increase the required quality of the pre-analytical phase. The results lead to the development of a mobile epidemiologic laboratory (epiLab in the project "Labor der Zukunft" (future's lab technology. This laboratory includes a 14.7 m(2 reception area to record medical history and exposure-relevant behavior, a 21.1 m(2 examination room to record dental fillings and for blood withdrawal, a 15.5 m(2 biological safety level 2 laboratory to process and analyze samples on site including a 2.8 m(2 personnel lock and a 3.6 m2 cryofacility to immediately freeze samples. Frozen samples can be transferred to their final destination within the vehicle without breaking the cold chain. To our knowledge, we herewith describe for the first time the implementation of a biological safety laboratory (BSL 2 lab and an epidemiologic unit on a single mobile platform. Since 2013 we have been collecting up to 15.000 individual human samples annually under highly standardized conditions using the mobile laboratory. Characterized and free of alterations they are kept ready for

  13. Use of a pneumatic tube system for delivery of blood bank products and specimens.

    Science.gov (United States)

    Tanley, P C; Wallas, C H; Abram, M C; Richardson, L D

    1987-01-01

    This study evaluated the effect of pneumatic tube transport on blood bank specimens and products. No important differences were found between aliquots transported in the tube system and those stored in the laboratory as controls. ABO, Rh, antibody detection or identification, direct antiglobulin testing, and elution were studied. Further, no differences in plasma hemoglobin and potassium concentration were found between units of whole blood and packed cells handled in either manner. Platelet counts in platelet concentrates were not decreased and coagulation factor levels in units of fresh-frozen plasma and cryoprecipitate did not decrease after pneumatic transport. The system tested is currently providing expeditious transport of specimens and blood between blood banks and patient care areas.

  14. Salvia divinorum: toxicological aspects and analysis in human biological specimens.

    Science.gov (United States)

    Margalho, Cláudia; Corte-Real, Francisco; López-Rivadulla, Manuel; Gallardo, Eugenia

    2016-07-01

    The identification and quantitation of the main psychoactive component of Salvia divinorum (salvinorin A) in biological specimens are crucial in forensic and clinical toxicology. Despite all the efforts made, its uncontrolled abuse has increased quickly, exposing its users' health to serious risks both in the short and long term. The use of alternative biological matrices in toxicological analyzes can be advantageous as complementary postmortem samples, or in situations when neither blood nor urine can be collected; they may be useful tools in those determinations, providing important information about prior exposure. The aim of this article is to present a brief summary of legal aspects of Salvia divinorum and salvinorin A, including the methods used for the determination of the latter in biological matrices.

  15. Characterization of some biological specimens using TEM and SEM

    Science.gov (United States)

    Ghosh, Nabarun; Smith, Don W.

    2009-05-01

    The advent of novel techniques using the Transmission and Scanning Electron Microscopes improved observation on various biological specimens to characterize them. We studied some biological specimens using Transmission and Scanning Electron Microscopes. We followed negative staining technique with Phosphotungstic acid using bacterial culture of Bacillus subtilis. Negative staining is very convenient technique to view the structural morphology of different samples including bacteria, phage viruses and filaments in a cell. We could observe the bacterial cell wall and flagellum very well when trapped the negative stained biofilm from bacterial culture on a TEM grid. We cut ultra thin sections from the fixed root tips of Pisum sativum (Garden pea). Root tips were pre fixed with osmium tetroxide and post fixed with uranium acetate and placed in the BEEM capsule for block making. The ultrathin sections on the grid under TEM showed the granular chromatin in the nucleus. The protein bodies and large vacuoles with the storage materials were conspicuous. We followed fixation, critical point drying and sputter coating with gold to view the tissues with SEM after placing on stubs. SEM view of the leaf surface of a dangerous weed Tragia hispida showed the surface trichomes. These trichomes when break on touching releases poisonous content causing skin irritation. The cultured tissue from in vitro culture of Albizia lebbeck, a tree revealed the regenerative structures including leaf buds and stomata on the tissue surface. SEM and TEM allow investigating the minute details characteristic morphological features that can be used for classroom teaching.

  16. Internet of Things technology-based management methods for environmental specimen banks.

    Science.gov (United States)

    Peng, Lihong; Wang, Qian; Yu, Ang

    2015-02-01

    The establishment and management of environmental specimen banks (ESBs) has long been a problem worldwide. The complexity of specimen environment has made the management of ESB likewise complex. Through an analysis of the development and management of ESBs worldwide and in light of the sophisticated Internet of Things (IOT) technology, this paper presents IOT technology-based ESB management methods. An IOT technology-based ESB management system can significantly facilitate ESB ingress and egress management as well as long-term storage management under quality control. This paper elaborates on the design of IOT technology-based modules, which can be used in ESB management to achieve standardized, smart, information-based ESB management. ESB management has far-reaching implications for environmental management and for research in environmental science.

  17. Historical development and future perspectives of Environmental Specimen Bank in China: a mini review.

    Science.gov (United States)

    Qiu, Fang; Meng, Xiang-Zhou; Qiu, Yan-Ling; Huang, Qing-Hui; Liu, Ying; Wu, Ling-Ling; Xiao, Qian-Fen; Sun, Ya-Jie; Wang, Rui; Zhou, Yi-Hui; Yu, Zhen-Yang; Yin, Da-Qiang; Zhu, Zhi-Liang; Zhao, Jian-Fu

    2015-02-01

    Environmental problems as well as their related ecosystem stress and human health risk in China have raised wide concerns along with the rapid economic development in recent years. Numerous studies with a sharp increase in publication number have addressed the ubiquitous of anthropogenic chemicals in various environmental compartments and human tissues. However, very few data were available to clarify the temporal trend and to give the retrospective analysis of chemical pollution in China. Environmental Specimen Bank (ESB) is a system for the systematic collection and long-term storage of specimens, which has been established since the 1970s in developed counties and recognized as a fundamental complement for environmental monitoring and scientific research. Currently, the value of ESB is becoming more broadly recognized globally, and China is still at the early stage. This article described the history and status and put forwarded the future key points of Chinese ESB development for illustrating the intensive environmental changes in China and the world.

  18. Topographic mapping of biological specimens: flexure and curvature characterization

    Science.gov (United States)

    Baron, William S.; Baron, Sandra F.

    2004-07-01

    Shape quantification of tissue and biomaterials can be central to many studies and applications in bioengineering and biomechanics. Often, shape is mapped with photogrammetry or projected light techniques that provide XYZ point cloud data, and shape is quantified using derived flexure and curvature calculations based on the point cloud data. Accordingly, the accuracy of the calculated curvature depends on the properties of the point cloud data set. In this study, we present a curvature variability prediction (CVP) software model that predicts the distribution, i.e., the standard deviation, of curvature measurements associated with surface topography point cloud data properties. The CVP model point cloud data input variables include XYZ noise, sampling density, and map extent. The CVP model outputs the curvature variability statistic in order to assess performance in the curvature domain. Representative point cloud data properties are obtained from an automated biological specimen video topographer, the BioSpecVT (ver. 1.02) (Vision Metrics, Inc.,). The BioSpecVT uses a calibrated, structured light pattern to support automated computer vision feature extraction software for precisely converting video images of biological specimens, within seconds, into three dimensional point cloud data. In representative sample point cloud data obtained with the BioSpecVT, sampling density is about 11 pts/mm2 for an XYZ mapping volume encompassing about 16 mm x 13.5 mm x 18.5 mm, average XY per point variability is about +/-2 μm, and Z axis variability is about +/-40 μm (50% level) with a Gaussian distribution. A theoretical study with the CVP model shows that for derived point cloud data properties, curvature mapping accuracy increases, i.e. measurement variability decreases, when curvature increases from about 30 m-1 to 137 m-1. This computed result is consistent with the Z axis noise becoming less significant as the measured depth increases across an approximately fixed XY

  19. Three-Dimensional scanning transmission electron microscopy of biological specimens

    KAUST Repository

    De Jonge, Niels

    2010-01-18

    A three-dimensional (3D) reconstruction of the cytoskeleton and a clathrin-coated pit in mammalian cells has been achieved from a focal-series of images recorded in an aberration-corrected scanning transmission electron microscope (STEM). The specimen was a metallic replica of the biological structure comprising Pt nanoparticles 2-3 nm in diameter, with a high stability under electron beam radiation. The 3D dataset was processed by an automated deconvolution procedure. The lateral resolution was 1.1 nm, set by pixel size. Particles differing by only 10 nm in vertical position were identified as separate objects with greater than 20% dip in contrast between them. We refer to this value as the axial resolution of the deconvolution or reconstruction, the ability to recognize two objects, which were unresolved in the original dataset. The resolution of the reconstruction is comparable to that achieved by tilt-series transmission electron microscopy. However, the focal-series method does not require mechanical tilting and is therefore much faster. 3D STEM images were also recorded of the Golgi ribbon in conventional thin sections containing 3T3 cells with a comparable axial resolution in the deconvolved dataset. © 2010 Microscopy Society of America.

  20. Temporal trends of coastal environment along Japan as revealed by mussel watch and specimen bank

    Energy Technology Data Exchange (ETDEWEB)

    Shibata, Y.; Yoshinaga, J.; Horiguchi, T.; Uehiro, T.; Morita, M. [National Inst. of Environmental Studies, Tsukuba, Ibaraki (Japan)

    1995-12-31

    Mussel watch program coupled with a pilot specimen bank at NIES was conducted from 1983 to 1987, and also from 1993 to 1994, and their results were compared to reveal temporal trends of coastal environment along Japan. Special emphasis was paid to reveal the change of ``background`` level of pollutants by collecting bivalves in remote islands. Several species of mussels (Mytilus edulis galloprovincialis, M. coruscus, Septifer virgatus, Pema viridis), oysters (Saxostrea mordax, Crassostrea gigas) and clams (Ruditapes philippinarum, Tridacna crocea) were collected to cover subfrigid to subtropical zones along Japan islands. The level of TBT decreased considerably between the above two intervals, i.e., from 0.12--0.01 {micro}g/g in mid 80`s to 0.03-n.d. (less than 0.01) {micro}g/g in 1993. This decrease may reflect the start of the regulation in 1990. The clam samples collected at Tokyo bay and stored in specimen bank were found to contain considerable levels (near 0.3 {micro}g/g) of TBT and TPT in 1980, and their levels were almost constant through mid and late 1980`s. Several heavy metals, including Cd, showed interesting spatial distribution patterns; their concentrations tend to be higher in less populated remote islands in western part of Japan than in densely populated areas. Cd concentrations, however, also show apparent correlation with Zn status of each organism (especially evident in Septifer sp.), and the interpretation of the results is not straightforward at this stage. Interestingly, a tropical green mussel, P. viridis, was found to be spreading in some densely populated area including Tokyo and Osaka bays.

  1. Parabens in 24 h urine samples of the German Environmental Specimen Bank from 1995 to 2012.

    Science.gov (United States)

    Moos, Rebecca K; Koch, Holger M; Angerer, Jürgen; Apel, Petra; Schröter-Kermani, Christa; Brüning, Thomas; Kolossa-Gehring, Marike

    2015-10-01

    Parabens are widely used as antimicrobial preservatives in personal care and consumer products, food and pharmaceuticals. Due to their ubiquity, humans are constantly exposed to these chemicals. We assessed exposure to nine parabens (methyl-, ethyl-, n- and iso-propyl-, n- and iso-butyl-, benzyl-, pentyl- and heptyl paraben) in the German population from 1995 to 2012 based on 660 24h urine samples from the German Environmental Specimen Bank (ESB) using on-line HPLC coupled to isotope dilution tandem mass spectrometry. The limit of quantification (LOQ) was 0.5 μg/L for all parabens. We detected methyl-, ethyl- and n-propyl paraben in 79-99% of samples, followed by n-butyl paraben in 40% of samples. We infrequently detected iso-butyl-, iso-propyl- and benzyl paraben in 24%, 4% and 1.4% of samples, respectively. Urinary concentrations were highest for methyl paraben (median 39.8 μg/L; 95th percentile 319 μg/L) followed by n-propyl paraben (4.8 μg/L; 95th percentile 74.0 μg/L) and ethyl paraben (2.1 μg/L; 95th percentile 39.1 μg/L). Women had significantly higher urinary levels for all parabens than men, except for benzyl paraben. Samples from the ESB revealed that over the investigation period of nearly 20 years urinary paraben levels remained surprisingly constant; only methyl paraben had a significant increase, for both men and women. We found strong correlations between methyl- and n-propyl paraben and between n- and iso-butyl paraben. These results indicate that parabens are used in combination and arise from common sources of exposure. Urinary excretion factors are needed to extrapolate from individual urinary concentrations to actual doses.

  2. Analytical Measurement of Discrete Hydrogen Sulfide Pools in Biological Specimens

    OpenAIRE

    Shen, Xinggui; Peter, Elvis A.; Bir, Shyamal; Wang, Rui; Kevil, Christopher G.

    2012-01-01

    Hydrogen sulfide (H2S) is a ubiquitous gaseous signaling molecule that plays a vital role in numerous cellular functions and has become the focus of many research endeavors including pharmaco-therapeutic manipulation. Amongst the challenges facing the field is the accurate measurement of biologically active H2S. We have recently reported that the typically used methylene blue method and its associated results are invalid and do not measure bonafide H2S. The complexity of analytical H2S measur...

  3. Construction and management of environmental specimen bank%环境样品库的建设与管理

    Institute of Scientific and Technical Information of China (English)

    肖乾芬; 仇雁翎; 刘海玲; 陈皓; 孙雅洁; 赵建夫; 尹大强

    2014-01-01

    This article introduces the management experience of the Swedish environmental specimen bank , including the clear segregation of duties within their organization ,close collaboration with external entities , combining long-term monitoring with specific research projects ,paying high attention to the data management and accumulation ,keeping open to the public ,etc . The enlightenment to the new Yangtze environmental specimen bank operation management is proposed ,including clear strategic positioning of the YESB ;detailed planning of the future work;strengthening the team building and cooperation with external parties;adherence to the long-term monitoring combined with characteristic researches ;strengthening environmental education;opening to the public;etc .%介绍了瑞典环境样品库的特色管理经验,包括对内分工明确、对外合作密切、长期监测与特色研究项目相结合、重视数据的管理与积累、坚持对外开放等,并由此对新建长江环境样品库的运行管理,提出了明确定位、细致规划、加强队伍建设和对外合作、坚持长期监测与特色研究相结合、加强环保展示教育等几点重要建议。

  4. X-ray phase contrast imaging of biological specimens with tabletop synchrotron radiation

    CERN Document Server

    Kneip, S; Dollar, F; Bloom, M S; Chvykov, V; Kalintchenko, G; Krushelnick, K; Maksimchuk, A; Mangles, S P D; Matsuoka, T; Najmudin, Z; Palmer, C A J; Schreiber, J; Schumaker, W; Thomas, A G R; Yanovsky, V

    2011-01-01

    Since their discovery in 1896, x-rays have had a profound impact on science, medicine and technology. Here we show that the x-rays from a novel tabletop source of bright coherent synchrotron radiation can be applied to phase contrast imaging of biological specimens, yielding superior image quality and avoiding the need for scarce or expensive conventional sources.

  5. Ultrastable gold substrates: Properties of a support for high-resolution electron cryomicroscopy of biological specimens

    OpenAIRE

    Russo, Christopher J.; Passmore, Lori A.

    2016-01-01

    Electron cryomicroscopy (cryo-EM) allows structure determination of a wide range of biological molecules and specimens. All-gold supports improve cryo-EM images by reducing radiation-induced motion and image blurring. Here we compare the mechanical and electrical properties of all-gold supports to amorphous carbon foils. Gold supports are more conductive, and have suspended foils that are not compressed by differential contraction when cooled to liquid nitrogen temperatures. These measurement...

  6. Alaska Native people's perceptions, understandings, and expectations for research involving biological specimens

    Directory of Open Access Journals (Sweden)

    Vanessa Y. Hiratsuka

    2012-05-01

    Full Text Available Objectives. Members of racially and ethnically diverse groups have been persistently underrepresented in biomedical research in general, possibly due to mistrust with the medical and research community. This article describes the perceptions, understandings, and expectations of Alaska Native people about research involving the collection and storage of biological specimens. Study design. Stratified focus groups. Methods. Twenty-nine focus groups with Alaska Native people (n = 178 were held in 14 locations using a semi-structured moderator guide. ATLAS.ti was used for thematic analysis through iterative readings and coding. Alaska Native peoples’ perceptions, understandings, and expectations of researcher beneficence, informed consent processes, and provision of research findings were elicited. Results and conclusions. Alaska Native people desired extensive disclosure of information beyond that typically provided in consent and results dissemination processes. Information germane to the motivation and intent of researchers and specifics of specimen storage and destruction were specifically requested. A clear and extensive process of informed consent and continued improvements in sharing results may enhance the transparency of research intent, conduct, and use of obtained results among Alaska Native people. Meeting expectations may improve relationships between researchers and the Alaska Native population which could result in increased research participation. Our findings offer a guide for researchers and communities when planning and implementing research with biological specimens.

  7. Identification of the Main Intermediate Precursor of l-Ergothioneine Biosynthesis in Human Biological Specimens

    Directory of Open Access Journals (Sweden)

    Salvatore Sotgia

    2016-09-01

    Full Text Available A capillary electrophoresis coupled to tandem mass spectrometry (CE–MS/MS has been used to make a qualitative determination of hercynine—the main precursor of l-ergothioneine biosynthesis—in some key human biological specimens, such as urine, whole blood, plasma, and saliva. From semiquantitative analysis results, the highest concentrations of hercynine were detected in saliva and whole blood, whereas much lower concentrations were measured in urine and plasma. Whole blood was the biological matrix with the highest concentration of l-ergothioneine followed by plasma, saliva, and urine. The antioxidant effects attributed to l-ergothioneine, along with its peculiar antioxidant mechanism, offer a possible explanation for the presence of the hercynine, as well as its concentration, in the considered biological matrices.

  8. THREE-DIMENSIONAL OBSERVATIONS ON THICK BIOLOGICAL SPECIMENS BY HIGH VOLTAGE ELECTRON MICROSCOPY

    Directory of Open Access Journals (Sweden)

    Tetsuji Nagata

    2011-05-01

    Full Text Available Thick biological specimens prepared as whole mount cultured cells or thick sections from embedded tissues were stained with histochemical reactions, such as thiamine pyrophosphatase, glucose-6-phosphatase, cytochrome oxidase, acid phosphatase, DAB reactions and radioautography, to observe 3-D ultrastructures of cell organelles producing stereo-pairs by high voltage electron microscopy at accerelating voltages of 400-1000 kV. The organelles demonstrated were Golgi apparatus, endoplasmic reticulum, mitochondria, lysosomes, peroxisomes, pinocytotic vesicles and incorporations of radioactive compounds. As the results, those cell organelles were observed 3- dimensionally and the relative relationships between these organelles were demonstrated.

  9. Conceptual design of a biological specimen holding facility. [Life Science Laboratory for Space Shuttle

    Science.gov (United States)

    Jackson, J. K.; Yakut, M. M.

    1976-01-01

    An all-important first step in the development of the Spacelab Life Science Laboratory is the design of the Biological Specimen Holding Facility (BSHF) which will provide accommodation for living specimens for life science research in orbit. As a useful tool in the understanding of physiological and biomedical changes produced in the weightless environment, the BSHF will enable biomedical researchers to conduct in-orbit investigations utilizing techniques that may be impossible to perform on human subjects. The results of a comprehensive study for defining the BSHF, description of its experiment support capabilities, and the planning required for its development are presented. Conceptual designs of the facility, its subsystems and interfaces with the Orbiter and Spacelab are included. Environmental control, life support and data management systems are provided. Interface and support equipment required for specimen transfer, surgical research, and food, water and waste storage is defined. New and optimized concepts are presented for waste collection, feces and urine separation and sampling, environmental control, feeding and watering, lighting, data management and other support subsystems.

  10. Scanning transmission electron microscopy through-focal tilt-series on biological specimens.

    Science.gov (United States)

    Trepout, Sylvain; Messaoudi, Cédric; Perrot, Sylvie; Bastin, Philippe; Marco, Sergio

    2015-10-01

    Since scanning transmission electron microscopy can produce high signal-to-noise ratio bright-field images of thick (≥500 nm) specimens, this tool is emerging as the method of choice to study thick biological samples via tomographic approaches. However, in a convergent-beam configuration, the depth of field is limited because only a thin portion of the specimen (from a few nanometres to tens of nanometres depending on the convergence angle) can be imaged in focus. A method known as through-focal imaging enables recovery of the full depth of information by combining images acquired at different levels of focus. In this work, we compare tomographic reconstruction with the through-focal tilt-series approach (a multifocal series of images per tilt angle) with reconstruction with the classic tilt-series acquisition scheme (one single-focus image per tilt angle). We visualised the base of the flagellum in the protist Trypanosoma brucei via an acquisition and image-processing method tailored to obtain quantitative and qualitative descriptors of reconstruction volumes. Reconstructions using through-focal imaging contained more contrast and more details for thick (≥500 nm) biological samples.

  11. Retrospective monitoring of triclosan and methyl-triclosan in fish. Results from the German Environmental Specimen Bank

    Energy Technology Data Exchange (ETDEWEB)

    Boehmer, W.; Ruedel, H.; Wenzel, A. [Fraunhofer IME, Schmallenberg (Germany); Schroeter-Kermani, C. [Umweltbundesamt, Berlin (Germany)

    2004-09-15

    During the last years there were several reports on the appearance of the biocides triclosan (TCS; 5- chloro-2-(2,4-dichlorophenoxy)phenol; CAS No. 3380-34-5) and chlorophene (CP; 4-Chloro-2- (phenylmethyl)phenol; CAS No. 120-32-1) in the environment. TCS is used in numerous personal care products like toothpaste and soaps, but also in textiles and shoes. The current annual consumption in Germany is estimated to be 40 t (0.5 g per capita and year). During use large amounts of TCS and CP are disposed into waste water. Modern waste water treatment plants (WWTP) eliminate approximately 95 % of TCS, mainly by biodegradation and adsorption to sludge. It was observed that during waste water treatment methyl-triclosan (MTCS; 5-chloro-2-(2,4-dichlorophenoxy)anisole; CAS No. 4640-01-1) is formed, probably due to microbial methylation. In a WWTP effluent up to 1 % MTCS in relation to TCS was detected. The environmental half-life of TCS is assumed to be low, mainly because it is susceptible to photodegradation at environmental pH levels while MTCS is stable under these conditions. The logPow values of 4.7 for TCS and 5.2 for MTCS (estimated with KowWin Vers. 1,67, respectively) indicate potential for bioaccumulation. Based in order to investigate the exposure of aquatic organisms towards CP, TCS and MTCS in Germany a retrospective monitoring of breams (Abramis brama) from representative rivers was initiated. Samples from the period 1994 to 2003 were taken from the archive of the German Environmental Specimen Bank (ESB) to evaluate temporal changes and regional differences of the occurrence of the target compounds.

  12. High Throughput Extraction of Plant, Marine and Fungal Specimens for Preservation of Biologically Active Molecules

    Directory of Open Access Journals (Sweden)

    Thomas G. McCloud

    2010-06-01

    Full Text Available The Developmental Therapeutics Program (DTP of the U.S. National Cancer Institute (NCI, at its NCI-Frederick facility, has built perhaps the largest and most diverse natural products screening library in the world for drug discovery. Composed of plant, marine organism and microbial extracts, it currently contains in excess of 230,000 unique materials. From the inception of this program to identify new anticancer chemotherapeutics from natural products sources in 1987, two extracts have been sequentially prepared from each specimen: one produced by organic solvent extraction, which yields a complex material that contains non- to moderately polar small molecules, and a water-soluble extract, a milieu largely unexplored for useful drugs in earlier years, which contains polar small to medium-sized molecules. Plant specimens and microbial ferments are extracted by modified traditional methods, while the method developed to produce extracts from marine organisms is unique and very different from that used by marine natural products chemists previously, but again yields both an organic solvent soluble and a water soluble material for inclusion into the screening library. Details of high throughput extract production for preservation of biologically active molecules are presented.

  13. Direct observation of unstained biological specimens in water by the frequency transmission electric-field method using SEM.

    Directory of Open Access Journals (Sweden)

    Toshihiko Ogura

    Full Text Available Scanning electron microscopy (SEM is a powerful tool for the direct visualization of biological specimens at nanometre-scale resolution. However, images of unstained specimens in water using an atmospheric holder exhibit very poor contrast and heavy radiation damage. Here, we present a new form of microscopy, the frequency transmission electric-field (FTE method using SEM, that offers low radiation damage and high-contrast observation of unstained biological samples in water. The wet biological specimens are enclosed in two silicon nitride (SiN films. The metal-coated SiN film is irradiated using a focused modulation electron beam (EB at a low-accelerating voltage. A measurement terminal under the sample holder detects the electric-field frequency signal, which contains structural information relating to the biological specimens. Our results in very little radiation damage to the sample, and the observation image is similar to the transmission image, depending on the sample volume. Our developed method can easily be utilized for the observation of various biological specimens in water.

  14. Biological specimens for community-based surveillance studies: Method of recruitment matters

    Directory of Open Access Journals (Sweden)

    Brenda L. Coleman

    2011-12-01

    Full Text Available Studies requiring the collection of biological specimens are often difficult to perform and costly. We compare face-to-face and telephone interviews to determine which is more effective for return of self-collected rectal swabs from subjects living in rural and semi-rural areas of Ontario, Canada. People interviewed face-to-face in 2006-2007 were asked to provide a rectal swab while the interviewer waited. Those interviewed by telephone were sent a package and asked to return the swab by mail, with one follow-up reminder call. Telephone interviewing resulted in a higher response rate for the completion of household and individual-level questionnaires. However, face-to-face interviews resulted in a significantly higher proportion of interviewees who returned swabs making the participation rate higher for this mode of contact (33.7 versus 25.0 percent. Using multivariable logistic regression, higher rates of rectal swab return were associated with face-to-face interviewing while adjusting for the impact of household size and respondent age and sex. For studies requiring the submission of intimate biological samples, face-to-face interviews can be expected to provide a higher rate of return than telephone interviews.

  15. Investigations in space-related molecular biology. [cryo-electron microscopic and diffraction studies on terrestrial and extraterrestrial specimens

    Science.gov (United States)

    Fernandez-Moran, H.; Pritzker, A. N.

    1974-01-01

    Improved instrumentation and preparation techniques for high resolution, high voltage cryo-electron microscopic and diffraction studies on terrestrial and extraterrestrial specimens are reported. Computer correlated ultrastructural and biochemical work on hydrated and dried cell membranes and related biological systems provided information on membrane organization, ice crystal formation and ordered water, RNA virus linked to cancer, lunar rock samples, and organometallic superconducting compounds. Apollo 11, 12, 14, and 15 specimens were analyzed

  16. Practical aspects of Boersch phase contrast electron microscopy of biological specimens

    Energy Technology Data Exchange (ETDEWEB)

    Walter, Andreas [Max-Planck-Institute of Biophysics, Department of Structural Biology, Max-von-Laue-Str. 3, D-60439 Frankfurt (Germany); Muzik, Heiko; Vieker, Henning; Turchanin, Andrey; Beyer, Andre; Goelzhaeuser, Armin [University of Bielefeld, Physics of Supramolecular Systems and Surfaces, Universitaetsstr. 25, D-33615 Bielefeld (Germany); Lacher, Manfred; Steltenkamp, Siegfried; Schmitz, Sam; Holik, Peter [Caesar Research Center, Ludwig-Erhard-Allee 2, D-53175 Bonn (Germany); Kuehlbrandt, Werner [Max-Planck-Institute of Biophysics, Department of Structural Biology, Max-von-Laue-Str. 3, D-60439 Frankfurt (Germany); Rhinow, Daniel, E-mail: daniel.rhinow@biophys.mpg.de [Max-Planck-Institute of Biophysics, Department of Structural Biology, Max-von-Laue-Str. 3, D-60439 Frankfurt (Germany)

    2012-05-15

    Implementation of physical phase plates into transmission electron microscopes to achieve in-focus contrast for ice-embedded biological specimens poses several technological challenges. During the last decade several phase plates designs have been introduced and tested for electron cryo-microscopy (cryoEM), including thin film (Zernike) phase plates and electrostatic devices. Boersch phase plates (BPPs) are electrostatic einzel lenses shifting the phase of the unscattered beam by an arbitrary angle. Adjusting the phase shift to 90 Degree-Sign achieves the maximum contrast transfer for phase objects such as biomolecules. Recently, we reported the implementation of a BPP into a dedicated phase contrast aberration-corrected electron microscope (PACEM) and demonstrated its use to generate in-focus contrast of frozen-hydrated specimens. However, a number of obstacles need to be overcome before BPPs can be used routinely, mostly related to the phase plate devices themselves. CryoEM with a physical phase plate is affected by electrostatic charging, obliteration of low spatial frequencies, and mechanical drift. Furthermore, BPPs introduce single sideband contrast (SSB), due to the obstruction of Friedel mates in the diffraction pattern. In this study we address the technical obstacles in detail and show how they may be overcome. We use X-ray photoelectron spectroscopy (XPS) and Auger electron spectroscopy (AES) to identify contaminants responsible for electrostatic charging, which occurs with most phase plates. We demonstrate that obstruction of low-resolution features is significantly reduced by lowering the acceleration voltage of the microscope. Finally, we present computational approaches to correct BPP images for SSB contrast and to compensate for mechanical drift of the BPP. -- Highlights: Black-Right-Pointing-Pointer Various obstacles need to be overcome before Boersch phase plates can be used routinely. Black-Right-Pointing-Pointer Technical problems include

  17. Retrospective biomonitoring of chemical contamination in the marine coastal environment of Terra Nova Bay (Ross Sea, Antarctica) by environmental specimen banking.

    Science.gov (United States)

    Grotti, Marco; Pizzini, Sarah; Abelmoschi, Maria Luisa; Cozzi, Giulio; Piazza, Rossano; Soggia, Francesco

    2016-12-01

    Antarctica offers a good opportunity to investigate planetary-scale pollution and climate change, and provides baseline values for contaminants such as Trace Elements (TEs) and Persistent Organic Pollutants (POPs). Literature data on contaminant levels in the Antarctic environment indicate that long-range atmospheric transport is the primary pathway by which pollutants from surrounding continents are carried to this pristine environment. However, local contamination sources represented by the scientific stations are also not negligible. Climate change and global warming are altering the global budget of anthropogenic contaminants and their monitoring in Antarctica ecosystems is very important to protect the global environment. In this work, eighty specimens of Adamussium colbecki (Smith, 1902), a benthic Antarctic scallop, collected from 1996 to 2009 and stored in the Antarctic Environmental Specimen Bank, were analyzed to quantify TEs and POPs, including polychlorinated biphenyls (PCBs), polychlorinated naphthalenes (PCNs) and polycyclic aromatic hydrocarbons (PAHs). Metals concentrations were not affected by anthropogenic contributions, highlighting a natural accumulation with the age of the organism. Similarly, no temporal trend was found for PCNs, PCBs and PAHs. However, specimens collected during the summer 1997-98 showed enhanced concentration levels of PCBs and PAHs that could refer to a local anthropogenic source of contamination.

  18. Temporal trends in mercury concentrations in raptor flight feathers stored in an environmental specimen bank in Galicia (NW Spain) between 2000 and 2013.

    Science.gov (United States)

    García-Seoane, Rita; Varela, Zulema; Carballeira, Alejo; Aboal, Jesús R; Fernández, J Ángel

    2017-03-01

    Temporal trends in Hg concentrations were investigated in primary flight feathers from 319 specimens of three birds of prey: P7 in the northern goshawk (Accipiter gentilis), P6 in the common buzzard (Buteo buteo) and P5 in the tawny owl (Strix aluco). The samples were stored in a regional environmental specimen bank and belonged to specimens which died between 2000 and 2013 in Galicia (NW Spain). We would expect to see a decline in Hg concentrations across the study period, as data of atmospheric emissions show a gradual reduction of this pollutant in Europe in the last two decades. The study did not reveal any temporal pattern in Hg concentrations of feathers in any of the three species for the study period, may be due to the persistence of Hg in the environment, but showed a low level of contamination by this metal in the study area. In addition, the results show high intra-specific, as well as, inter-annual and inter-specific variability in data, mainly attributed to the level of exposure of the raptors to this pollutant and to the biomagnification process of Hg through food chains. These findings indicate that the high variability can be a limiting factor in the use of raptors for biomonitoring temporal patterns of Hg, but nevertheless, the technique provides qualitative information about the amount of Hg that reach the top of the terrestrial food chains.

  19. Status of Red Stingray (Dasyatis akajei) Livers for Japanese Specimen Banking at National Institute for Environmental Studies, Unscathed by the 2011 Tohoku Earthquake.

    Science.gov (United States)

    Takeuchi, Akinori; Shibata, Yasuyuki; Tanaka, Atsushi

    2012-04-01

    It is important to have a resource of environmental specimens in order to investigate changes in contaminant exposure and accumulation over time. At the National Institute for Environmental Studies in Japan, red stingray livers have been archived and the banking activity has expanded successfully since 2003. The developed standard operating procedure helps to maintain quality of the archived homogenized liver samples, and the risk management plan has helped to prevent thawing them from any incidents, including the catastrophic 2011 Tohoku earthquake. The cryogenically homogenized powdered livers will be stored in a cryogenic environment in liquid nitrogen vapor containers at -160 °C and will be analyzed when new pollutants are identified in the future.

  20. Evaluation of monitoring data of the German Environmental Specimen Bank using the Hasse diagram technique; Bewertung von Monitoringdaten der Umweltprobenbank des Bundes mit der Hasse-Diagramm-Technik

    Energy Technology Data Exchange (ETDEWEB)

    Helm, D. [Umweltbundesamt, Fachgebiet II 1.4-S, Berlin (Germany)

    2003-07-01

    On behalf of the Federal Environment Ministry the Federal Environmental Agency operates the German Environmental Specimen Bank (ESB), which targets are to record and evaluate pollution data of selected ecological systems. Scope of the present study is to check the possibilities of the Hasse diagram technique (HDT) for the assessment of ESB data, mainly with regard to evaluations and conclusions. Xenobiotic body burden in Bream musculature (Abramis brama); measured in 1997, was exemplary used to answer these questions. Focus was put on ecosystemic assessment. The results clearly show that HDT is a valuable method for the graphical display, interpretation and comparative evaluation of pollution data, HDT visualises data qualitatively and in summary. Additionally, differences between pollution patterns are revealed, which suggest different contamination processes and entries. An ecosystemic approach of assessment is achieved by simultaneous consideration of different xenobiotics. (orig.)

  1. New specimens of the multituberculate mammal Sphenopsalis from China: Implications for phylogeny and biology of taeniolabidoids

    Directory of Open Access Journals (Sweden)

    Fang-Yuan Mao

    2016-06-01

    Full Text Available Multituberculates are the most diverse and best known group of Mesozoic mammals; they also persisted into the Paleogene and became extinct in the Eocene, possibly outcompeted by rodents that have similar morphological and presumably ecological adaptations. Among the Paleogene multituberculates, those that have the largest body sizes belong to taeniolabidoids, which contain several derived species from North America and Asia and some species with uncertain taxonomic positions. Of the known taeniolabidoids, the poorest known taxon is Sphenopsalis nobilis from Mongolia and Inner Mongolia, China, represented previously by a few isolated teeth. Its relationship with other multituberculates thus has remained unclear. Here we report new specimens of Sphenopsalis nobilis collected from the upper Paleocene of the Erlian Basin, Inner Mongolia, China, during a multi-year field effort beginning in 2000. These new specimens document substantial parts of the dental, partial cranial and postcranial morphologies of Sphenopsalis, including the upper and lower incisors, partial premolars, complete upper and lower molars, a partial rostrum, fragments of the skull roof, middle ear cavity, a partial scapula, and partial limb bones. With the new specimens we are able to present a detailed description of Sphenopsalis, comparisons among relevant taeniolabidoids, and brief phylogenetic analyses based on a dataset consisting of 43 taxa and 102 characters. In light of the new evidence, we assess the phylogenetic position of Sphenopsalis and re-establish the family Lambdopsalidae. The monophyly of Taeniolabidoidea is supported in all our phylogenetic analyses. Within Taeniolabidoidea the Asian lambdopsalids and the North American taeniolabidids represent two significantly different trends of adaptations, one characterized by shearing (lambdopsalids and the other by crushing and grinding (taeniolabidids in mastication, which supports their wider systematic separation, as

  2. Specimen preparation for cryogenic coherent X-ray diffraction imaging of biological cells and cellular organelles by using the X-ray free-electron laser at SACLA.

    Science.gov (United States)

    Kobayashi, Amane; Sekiguchi, Yuki; Oroguchi, Tomotaka; Okajima, Koji; Fukuda, Asahi; Oide, Mao; Yamamoto, Masaki; Nakasako, Masayoshi

    2016-07-01

    Coherent X-ray diffraction imaging (CXDI) allows internal structures of biological cells and cellular organelles to be analyzed. CXDI experiments have been conducted at 66 K for frozen-hydrated biological specimens at the SPring-8 Angstrom Compact Free-Electron Laser facility (SACLA). In these cryogenic CXDI experiments using X-ray free-electron laser (XFEL) pulses, specimen particles dispersed on thin membranes of specimen disks are transferred into the vacuum chamber of a diffraction apparatus. Because focused single XFEL pulses destroy specimen particles at the atomic level, diffraction patterns are collected through raster scanning the specimen disks to provide fresh specimen particles in the irradiation area. The efficiency of diffraction data collection in cryogenic experiments depends on the quality of the prepared specimens. Here, detailed procedures for preparing frozen-hydrated biological specimens, particularly thin membranes and devices developed in our laboratory, are reported. In addition, the quality of the frozen-hydrated specimens are evaluated by analyzing the characteristics of the collected diffraction patterns. Based on the experimental results, the internal structures of the frozen-hydrated specimens and the future development for efficient diffraction data collection are discussed.

  3. Development of a PCR technique specific for Demodex injai in biological specimens.

    Science.gov (United States)

    Sastre, N; Ravera, I; Ferreira, D; Altet, L; Sánchez, A; Bardagí, M; Francino, O; Ferrer, L

    2013-09-01

    The identification of Demodex injai as a second Demodex species of dog opened new questions and challenges in the understanding on the Demodex-host relationships. In this paper, we describe the development of a conventional PCR technique based on published genome sequences of D. injai from GenBank that specifically detects DNA from D. injai. This technique amplifies a 238-bp fragment corresponding to a region of the mitochondrial 16S rDNA of D. injai. The PCR was positive in DNA samples obtained from mites identified morphologically as D. injai, which served as positive controls, as well as in samples from three cases of demodicosis associated with proliferation of mites identified as D. injai. Furthermore, the PCR was positive in 2 out of 19 healthy dogs. Samples of Demodex canis and Demodex folliculorum were consistently negative. Skin samples from seven dogs with generalized demodicosis caused by D. canis were all negative in the D. injai-specific PCR, demonstrating that in generalized canine demodicosis, mite proliferation is species-specific. This technique can be a useful tool in the diagnosis and in epidemiologic and pathogenic studies.

  4. A linear laser scanner to measure cross-sectional shape and area of biological specimens during mechanical testing.

    Science.gov (United States)

    Vergari, Claudio; Pourcelot, Philippe; Holden, Laurène; Ravary-Plumioën, Bérangère; Laugier, Pascal; Mitton, David; Crevier-Denoix, Nathalie

    2010-10-01

    Measure of the cross-sectional area (CSA) of biological specimens is a primary concern for many biomechanical tests. Different procedures are presented in literature but besides the fact that noncontact techniques are required during mechanical testing, most of these procedures lack accuracy or speed. Moreover, they often require a precise positioning of the specimen, which is not always feasible, and do not enable the measure of the same section during tension. The objective of this study was to design a noncontact, fast, and accurate device capable of acquiring CSA of specimens mounted on a testing machine. A system based on the horizontal linear displacement of two charge-coupled device reflectance laser devices next to the specimen, one for each side, was chosen. The whole measuring block is mounted on a vertical linear guide to allow following the measured zone during sample tension (or compression). The device was validated by measuring the CSA of metallic rods machined with geometrical shapes (circular, hexagonal, semicircular, and triangular) as well as an equine superficial digital flexor tendon (SDFT) in static condition. We also performed measurements during mechanical testing of three SDFTs, obtaining the CSA variations until tendon rupture. The system was revealed to be very fast with acquisition times in the order of 0.1 s and interacquisition time of about 1.5 s. Measurements of the geometrical shapes yielded mean errors lower than 1.4% (n=20 for each shape) while the tendon CSA at rest was 90.29 ± 1.69 mm(2) (n=20). As for the tendons that underwent tension, a mean of 60 measures were performed for each test, which lasted about 2 min until rupture (at 20 mm/min), finding CSA variations linear with stress (R(2)>0.85). The proposed device was revealed to be accurate and repeatable. It is easy to assemble and operate and capable of moving to follow a defined zone on the specimen during testing. The system does not need precise centering of the sample

  5. The sensitivity of real-time PCR amplification targeting invasive Salmonella serovars in biological specimens

    Directory of Open Access Journals (Sweden)

    Chau Tran

    2010-05-01

    Full Text Available Abstract Background PCR amplification for the detection of pathogens in biological material is generally considered a rapid and informative diagnostic technique. Invasive Salmonella serovars, which cause enteric fever, can be commonly cultured from the blood of infected patients. Yet, the isolation of invasive Salmonella serovars from blood is protracted and potentially insensitive. Methods We developed and optimised a novel multiplex three colour real-time PCR assay to detect specific target sequences in the genomes of Salmonella serovars Typhi and Paratyphi A. We performed the assay on DNA extracted from blood and bone marrow samples from culture positive and negative enteric fever patients. Results The assay was validated and demonstrated a high level of specificity and reproducibility under experimental conditions. All bone marrow samples tested positive for Salmonella, however, the sensitivity on blood samples was limited. The assay demonstrated an overall specificity of 100% (75/75 and sensitivity of 53.9% (69/128 on all biological samples. We then tested the PCR detection limit by performing bacterial counts after inoculation into blood culture bottles. Conclusions Our findings corroborate previous clinical findings, whereby the bacterial load of S. Typhi in peripheral blood is low, often below detection by culture and, consequently, below detection by PCR. Whilst the assay may be utilised for environmental sampling or on differing biological samples, our data suggest that PCR performed directly on blood samples may be an unsuitable methodology and a potentially unachievable target for the routine diagnosis of enteric fever.

  6. Measures for reducing pollution produced by ash spoil banks of thermoelectric stations, by biological recultivation

    Directory of Open Access Journals (Sweden)

    MAXIM A.

    2008-11-01

    Full Text Available Worldwide, the thermoelectric power stations produce 70% from the total of electric energy. This intenselypollutes all environment compartments. The thermoelectric power stations produce as much gaseous (CO, CO2,NOx, SOx as solid (ash and heavy metals pollutants. Ash spoil banks from Romania occupy 3102 hectares. Themost efficient measure of rehabilitation is biological recultivation (agricultural, forestry, agricultural continuedby forest. The world and national researches on this domain shows that forest recultivation is the mostadvantageous, because requires a minimum of works towards agricultural recultivation, improves the locallandscape and contributes to the restore in circuit a part from total carbon emission mass of thermoelectric powerstation.

  7. PCDDs, PCDFs, and dioxin-like PCBs in breams (Abraims brama) from German rivers. Results from the German Environmental Specimen Bank

    Energy Technology Data Exchange (ETDEWEB)

    Schroeter-Kermani, C. [Federal Environmental Agency, Berlin (Germany); Herrmann, T.; Paepke, O. [ERGO Forschungsgesellschaft mbH, Hamburg (Germany); Stachel, B. [Wasserguetestelle Elbe der Arbeitsgemeinschaft fuer die Reinhaltung der Elbe, Hamburg (Germany)

    2004-09-15

    In July 2002 a new regulation of the European Commission came into force setting maximum permitted values for PCDD/Fs in food. Until the end of 2004 these limit values have to be verified with current monitoring data, especially in regard to the integration of dioxin-like PCBs in this regulation. It is well known that fish accumulate lypophilic substances to a high degree from their aquatic surroundings so that fish and fish products are an important source of human intake of dioxins. Several studies have been published recently regarding the contamination of marine fish species with PCDD/Fs and dioxin-like PCBs, but less is known about the contamination of fresh water fish with these substances. To bridge this gap, the German environmental specimen bank (ESB) analyzed archived bream muscle samples for PCDD/Fs and dioxin-like PCBs. Breams are widely distributed in Europe and often used as a monitoring organism for fresh water and sediment contamination because of their small migration radius. As adult breams feed mainly on benthic invertebrates they are permanently in direct contact with the sediments. Although bream is less consumed at least in Germany the here presented results might facilitate general statements regarding the contamination of other fresh water fish species with PCDD/Fs and dioxin-like PCBs.

  8. Two-dimensional standing wave total internal reflection fluorescence microscopy: superresolution imaging of single molecular and biological specimens.

    Science.gov (United States)

    Chung, Euiheon; Kim, Daekeun; Cui, Yan; Kim, Yang-Hyo; So, Peter T C

    2007-09-01

    The development of high resolution, high speed imaging techniques allows the study of dynamical processes in biological systems. Lateral resolution improvement of up to a factor of 2 has been achieved using structured illumination. In a total internal reflection fluorescence microscope, an evanescence excitation field is formed as light is total internally reflected at an interface between a high and a low index medium. The excitation region resulting in low background fluorescence. We present even higher resolution wide-field biological imaging by use of standing wave total internal reflection fluorescence (SW-TIRF). Evanescent standing wave (SW) illumination is used to generate a sinusoidal high spatial frequency fringe pattern on specimen for lateral resolution enhancement. To prevent thermal drift of the SW, novel detection and estimation of the SW phase with real-time feedback control is devised for the stabilization and control of the fringe phase. SW-TIRF is a wide-field superresolution technique with resolution better than a fifth of emission wavelength or approximately 100 nm lateral resolution. We demonstrate the performance of the SW-TIRF microscopy using one- and two-directional SW illumination with a biological sample of cellular actin cytoskeleton of mouse fibroblast cells as well as single semiconductor nanocrystal molecules. The results confirm the superior resolution of SW-TIRF in addition to the merit of a high signal/background ratio from TIRF microscopy.

  9. Lensfree Spectral Light-field Fusion Microscopy for Contrast- and Resolution-enhanced Imaging of Biological Specimens

    CERN Document Server

    Kazemzadeh, Farnoud; Molladavoodi, Sara; Mei, Yu; Emelko, Monica B; Gorbet, Maud B; Wong, Alexander

    2015-01-01

    A lensfree spectral light-field fusion microscopy (LSLFM) system is presented for enabling contrast- and resolution-enhanced imaging of biological specimens. LSLFM consists of a pulsed multispectral lensfree microscope for capturing interferometric light-field encodings at different wavelengths, and Bayesian-based fusion to reconstruct a fused object light-field from the encodings. By fusing unique object detail information captured at different wavelengths, LSLFM can achieve improved resolution, contrast, and signal-to-noise ratio (SNR) over a single-channel lensfree microscopy system. A five-channel LSLFM system was developed and quantitatively evaluated to validate the design. Experimental results demonstrated that the LSLFM system provided SNR improvements of 6.81-16.55 dB, as well as a six-fold improvement in the dispersion index (DI), over that achieved using a single-channel lensfree deconvolution microscopy system at individual wavelengths. Furthermore, the LSLFM system achieved an increase in numeric...

  10. Nanoscale analysis of unstained biological specimens in water without radiation damage using high-resolution frequency transmission electric-field system based on FE-SEM.

    Science.gov (United States)

    Ogura, Toshihiko

    2015-04-10

    Scanning electron microscopy (SEM) has been widely used to examine biological specimens of bacteria, viruses and proteins. Until now, atmospheric and/or wet biological specimens have been examined using various atmospheric holders or special equipment involving SEM. Unfortunately, they undergo heavy radiation damage by the direct electron beam. In addition, images of unstained biological samples in water yield poor contrast. We recently developed a new analytical technology involving a frequency transmission electric-field (FTE) method based on thermionic SEM. This method is suitable for high-contrast imaging of unstained biological specimens. Our aim was to optimise the method. Here we describe a high-resolution FTE system based on field-emission SEM; it allows for imaging and nanoscale examination of various biological specimens in water without radiation damage. The spatial resolution is 8 nm, which is higher than 41 nm of the existing FTE system. Our new method can be easily utilised for examination of unstained biological specimens including bacteria, viruses and protein complexes. Furthermore, our high-resolution FTE system can be used for diverse liquid samples across a broad range of scientific fields, e.g. nanoparticles, nanotubes and organic and catalytic materials.

  11. Entering markets and bodies: increasing levels of the novel plasticizer Hexamoll® DINCH® in 24 h urine samples from the German Environmental Specimen Bank.

    Science.gov (United States)

    Schütze, André; Kolossa-Gehring, Marike; Apel, Petra; Brüning, Thomas; Koch, Holger M

    2014-03-01

    DINCH (diisononylcyclohexane-1,2-dicarboxylate) was introduced into the world market in 2002 as a non-aromatic plasticizer and phthalate substitute. We analyzed 300 urine samples (24 h voids) of the German Environmental Specimen Bank (ESB for Human tissues, ESB Hum) for specific DINCH metabolites by on-line HPLC-MS/MS with isotope dilution quantification. Urine samples of the ESB Hum were from the years 1999, 2003, 2006, 2009 and 2012, chosen to investigate the appearance and a possible trend of DINCH exposure since its market introduction. No DINCH metabolites were detected in the 1999 and 2003 samples. From 2006 on, the percentage of samples with DINCH metabolites above the LOQ increased significantly over the years (7% in 2006, 43% in 2009 and 98% in 2012). The cyclohexane-1,2-dicarboxylic acid-mono(hydroxy-isononyl) ester (OH-MINCH) was the predominant metabolite. Median (and 95th percentile) concentrations (in μg/l) increased from 0.75, p<0.001). The median (95th percentile) DINCH intake in 2012 was calculated to be 0.14 (1.07)μg/kg body weight/day which is considerably below daily intakes currently deemed tolerable. DINCH is regarded to have a preferred toxicological profile over certain anti-androgenic phthalates. The continuation of DINCH measurements in the ESB Hum and other human biomonitoring studies like the German Environmental Survey (GerES) allows tracking the development of DINCH body burdens, the distribution of exposure levels and daily intakes, providing basic data for future toxicological assessment and further epidemiological studies.

  12. Catalogue of the Type Specimens of Amphibians and Reptiles in the Herpetological Museum of the Chengdu Institute of Biology, Chinese Academy of Sciences:V. Viperidae (Reptilia, Serpentes)

    Institute of Scientific and Technical Information of China (English)

    Peng GUO; Qin LIU; Jiatang LI; Yan CAO; Yuezhao WANG

    2016-01-01

    In China, there are about 37 species of vipers belonging to 12 genera in the family Viperidae. In the Herpetological Museum of the Chengdu Institute of Biology (CIB), Chinese Academy of Sciences, the type specimens of snakes represent seven species in four genera. As a series of reports on the type specimens of Amphibians and Reptilies deposited in the Herpetological Museum of CIB, this paper focuses on the venomous snake family Viperidae in the collections at this Museum.

  13. Catalogue of the Type Specimens of Amphibians and Reptiles in the Herpetological Museum of the Chengdu Institute of Biology, Chinese Academy of Sciences:IV. Lizards (Reptilia, Sauria)

    Institute of Scientific and Technical Information of China (English)

    Bo WANG; Ke JIANG; Jiatang LI; Yuezhao WANG; Daode YANG

    2015-01-01

    In the present study, we report the six type specimens and two paratypes of eight lizard species in the Herpetological Museum of the Chengdu Institute of Biology (CIB), Chinese Academy of Sciences (CAS). Each entry provides the information of the original description, the catalog number of the holotype, sex, type locality, and information of allotype and paratype (if any), number and distribution of deposited specimens, and comments. Additionally, two invalid species and one invalid subspecies are discussed.

  14. Bayesian-based aberration correction and numerical diffraction for improved lensfree on-chip microscopy of biological specimens

    CERN Document Server

    Wong, Alexander; Jin, Chao; Wang, Xiao Yu

    2015-01-01

    Lensfree on-chip microscopy is an emerging imaging technique that can be used to visualize and study biological specimens without the need for imaging lens systems. Important issues that can limit the performance of lensfree on-chip microscopy include interferometric aberrations, acquisition noise, and image reconstruction artifacts. In this study, we introduce a Bayesian-based method for performing aberration correction and numerical diffraction that accounts for all three of these issues to improve the effective numerical aperture (NA) and signal-to-noise ratio (SNR) of the reconstructed microscopic image. The proposed method was experimentally validated using the USAF resolution target as well as real waterborne Anabaena flos-aquae samples, demonstrating improvements in NA by ~25% over the standard method, and improvements in SNR of 2.3 dB and 3.8 dB in the reconstructed image when compared to the reconstructed images produced using the standard method and a maximum likelihood estimation method, respective...

  15. High-intensity x-ray holography: an approach to high-resolution snapshot imaging of biological specimens

    Energy Technology Data Exchange (ETDEWEB)

    Solem, J.C.

    1982-08-01

    The crucial physical and technological issues pertaining to the holographic imaging of biological structures with a short-pulse, high-intensity, high-quantum-energy laser were examined. The limitations of x-ray optics are discussed. Alternative holographic techniques were considered, and it was concluded that far-field Fresnel transform holography (Fraunhofer holography) using a photoresist recording surface is most tractable with near term technology. The hydrodynamic expansion of inhomogeneities within the specimen is discussed. It is shown that expansion is the major source of image blurring. Analytic expressions were derived for the explosion of protein concentrations in an x-ray transparent cytoplasm, compared with numerical calculations, and corrections derived to account for the competitive transport processes by which these inhomogeneities lose energy. It is concluded that for the near term Fresnel transform holography, particularly, far-field or Fraunhofer holography, is more practical than Fourier transform holography. Of the alternative fine grain recording media for use with Fresnel transform holography, a photo-resist is most attractive. For best resolution, exposure times must be limited to a few picoseconds, and this calls for investigation of mechanisms to shutter the laser or gate the recording surface. The best contrast ratio between the nitrogen-bearing polymers (protein and the nucleic acids) and water is between the K-edges of oxygen and nitrogen.

  16. The effect of temperature on the biology of Phytoseiulus macropilis (Banks (Phytoseiidae in applied biological control program

    Directory of Open Access Journals (Sweden)

    Catiane Dameda

    2016-10-01

    Full Text Available Phytoseiulus macropilis (Banks (Phytoseiidae is a natural enemy of Tetranychus urticae Koch (TSSM, a common pest in several cultures, especially in greenhouses. This research aimed to know the biological parameters of a strain of P. macropilis from Vale do Taquari, State of Rio Grande do Sul, feeding on TSSM at different temperatures. The study was initiated with 30 eggs individualized in arenas under the temperature of 20, 25 and 30 ± 1°C and relative humidity of 80 ± 10%. The average length (T of each generation decreased with the increase of temperature, ranging from 25.71 days at 20°C to 11.14 days at 30°C. The net reproductive rate (Ro ranged from 45.47 at 20°C to 18.25 at 30°C; the innate capacity for increase (rm was 0.15 at 20°C, reaching 0.26 at 30°C and the finite increase rate (λ ranged from 1.41 to 1.82 females day-1 at 20 and 30°C, respectively. In the present study, it was observed that the strain of the evaluated predatory mite from mild climate of South Brazil, might present a good performance to control TSSM when exposed to a temperature range between 20 and 30°C.

  17. Nanoscale analysis of unstained biological specimens in water without radiation damage using high-resolution frequency transmission electric-field system based on FE-SEM

    Energy Technology Data Exchange (ETDEWEB)

    Ogura, Toshihiko, E-mail: t-ogura@aist.go.jp

    2015-04-10

    Scanning electron microscopy (SEM) has been widely used to examine biological specimens of bacteria, viruses and proteins. Until now, atmospheric and/or wet biological specimens have been examined using various atmospheric holders or special equipment involving SEM. Unfortunately, they undergo heavy radiation damage by the direct electron beam. In addition, images of unstained biological samples in water yield poor contrast. We recently developed a new analytical technology involving a frequency transmission electric-field (FTE) method based on thermionic SEM. This method is suitable for high-contrast imaging of unstained biological specimens. Our aim was to optimise the method. Here we describe a high-resolution FTE system based on field-emission SEM; it allows for imaging and nanoscale examination of various biological specimens in water without radiation damage. The spatial resolution is 8 nm, which is higher than 41 nm of the existing FTE system. Our new method can be easily utilised for examination of unstained biological specimens including bacteria, viruses and protein complexes. Furthermore, our high-resolution FTE system can be used for diverse liquid samples across a broad range of scientific fields, e.g. nanoparticles, nanotubes and organic and catalytic materials. - Highlights: • We developed a high-resolution frequency transmission electric-field (FTE) system. • High-resolution FTE system is introduced in the field-emission SEM. • The spatial resolution of high-resolution FTE method is 8 nm. • High-resolution FTE system enables observation of the intact IgM particles in water.

  18. Guidelines and policies on collection of biological specimens in the Philippines. Philippine Congress, International Convention on Biodiversity.

    Science.gov (United States)

    Madulid, D A

    1996-04-01

    In October, 1993, 16 months after the United Nations approved the International Convention on Biodiversity held in Rio de Janeiro, June, 1992, the Philippine Congress ratified and adopted the Convention. This is a manifestation of the full support of the Philippines for the principles and policies adopted by the UN body on the conservation of biodiversity, sustainable development of biological resources and equitable sharing of benefits between users and owners of biodiversity resources. The Philippine scientific community has long recognized the need for and importance of a national guideline and policy with regard to the collection of plants and animals in the Philippines for scientific or commercial purposes. A series of consultative meetings were held by representatives of government agencies, non-government organizations, private organizations, academic and private persons concerned with biodiversity conservation to formulate national guidelines that regulate the collection of plant and animal specimens in the country. Guidelines were unanimously adopted by various government agencies and academia and a Memorandum of Agreement (MOA) was signed on September 28, 1990. Very recently a new document was drafted, specifically to serve as a guideline for those who desire to undertake sample collecting in the Philippines for biodiversity prospecting. The document is now being reviewed by government departments and agencies and will be presented to the President of the Philippines for signing as an Executive Order (EO). Once signed, this EO will serve as a national policy for bioprospecting in the country. The Philippines is one of the countries in Southeast Asia that has endorsed the adoption of regional guidelines on the collection of plant and animal organisms for drug development. The ASEAN Agreement on the Conservation of Nature and Natural Resources (1985). The Manila Declaration (1992) and lately, the Melaka Accord (1994), all of which were signed by various

  19. The Protein Data Bank and Its Uses in Structural Biology Education

    Directory of Open Access Journals (Sweden)

    Judith Voet

    2004-05-01

    Full Text Available The Protein Data Bank (PDB is a repository for the structures of proteins and nucleic acids. Itcontains les of their 3-dimensional coordinates, information on how these structures were determinedand references to the journal articles describing them. The PDB was established in 1971 by HelenBerman (it s present director and has grown exponentially so that it now contains 25,000 data lesrepresenting X-ray crystallographic, NMR and other structure determinations. Database queryingand data miningtools and resources at the PDB make it possible to search, compare and infer orpredict the function of newly identied proteins. Computer graphics capabilities make it possible foranyone to easily visualize and study the structural data. The capability to present beautiful graphicrepresentations of the 3-dimesnional structures of proteins and nucleic acids has been a boon to theeducation community. Communicating an understanding of these structures and the chemical forcesdetermining them and their interactions is one of the major aims of biochemistry and molecular biologyeducation. The ability to teach these principles visually has made a great dierence in our abilityto excite our students and provide them with physical interpretations for some abstract concepts inbiochemistry and molecular biology. In this talk we will explore some of the ways that the education community uses the PDB.

  20. Rapid embedding methods into epoxy and LR White resins for morphological and immunological analysis of cryofixed biological specimens.

    Science.gov (United States)

    McDonald, Kent L

    2014-02-01

    A variety of specimens including bacteria, ciliates, choanoflagellates (Salpingoeca rosetta), zebrafish (Danio rerio) embryos, nematode worms (Caenorhabditis elegans), and leaves of white clover (Trifolium repens) plants were high pressure frozen, freeze-substituted, infiltrated with either Epon, Epon-Araldite, or LR White resins, and polymerized. Total processing time from freezing to blocks ready to section was about 6 h. For epoxy embedding the specimens were freeze-substituted in 1% osmium tetroxide plus 0.1% uranyl acetate in acetone. For embedding in LR White the freeze-substitution medium was 0.2% uranyl acetate in acetone. Rapid infiltration was achieved by centrifugation through increasing concentrations of resin followed by polymerization at 100°C for 1.5-2 h. The preservation of ultrastructure was comparable to standard freeze substitution and resin embedding methods that take days to complete. On-section immunolabeling results for actin and tubulin molecules were positive with very low background labeling. The LR White methods offer a safer, quicker, and less-expensive alternative to Lowicryl embedding of specimens processed for on-section immunolabeling without traditional aldehyde fixatives.

  1. Use of an environmental specimen bank for evaluating the impact of the Prestige oil spill on the levels of trace elements in two species of Fucus on the coast of Galicia (NW Spain)

    Energy Technology Data Exchange (ETDEWEB)

    Villares, Ruben; Real, Carlos [Area de Ecologia, Escuela Politecnica Superior, Universidad de Santiago de Compostela, 27002 Lugo (Spain); Fernandez, Jose Angel; Aboal, Jesus; Carballeira, Alejo [Area de Ecologia, Facultad de Biologia, Universidad de Santiago de Compostela, 15706 Santiago de Compostela (Spain)

    2007-03-15

    In the present study we investigated possible contamination by trace elements due to the oil slick caused by the shipwreck of the Prestige oil tanker, in two species of brown macroalgae (Fucus vesiculosus and Fucus ceranoides) collected from the coastal area most severely affected by the spill (Galicia, NW Spain). The oil slick apparently did not cause significant increases in the concentrations of the trace elements studied, except vanadium. It appears that the magnitude of terrestrial inputs to coastal waters is sufficiently high to mask the inputs of trace elements from the fuel. The observed exception of V suggests that bioaccumulation of this element by the two species of Fucus may be used to indicate exposure to petrochemical products similar to the Prestige fuel. The findings of the study are another example of the importance of the existence of Environmental Specimen Banks for studies of this type. (author)

  2. AroER tri-screen™ is a novel functional assay to estimate both estrogenic and estrogen precursor activity of chemicals or biological specimens

    OpenAIRE

    Kanaya, Noriko; Nguyen, Duc M.; Lu, Hannah; Wang, Yuan-Zhong; Hsin, Li-Yu; Petreas, Myrto; Nelson, David; Guo, Weihong; Reynolds, Peggy; Synold, Tim; Chen, Shiuan

    2015-01-01

    The purpose of the study is to define AroER tri-screen's utility for identifying endocrine-disrupting chemicals (EDCs) that target aromatase and/or estrogen receptor (ER), and to measure the total estrogenic activity in biological specimens. ER-positive, aromatase-expressing MCF-7 breast cancer cells were stably transfected with an estrogen responsive element (ERE)-driven luciferase reporter plasmid to yield a new high-throughput screening platform—the AroER tri-screen. AroER tri-screen was c...

  3. Virtual Specimens

    Science.gov (United States)

    de Paor, D. G.

    2009-12-01

    Virtual Field Trips have been around almost as long as the Worldwide Web itself yet virtual explorers do not generally return to their desktops with folders full of virtual hand specimens. Collection of real specimens on fields trips for later analysis in the lab (or at least in the pub) has been an important part of classical field geoscience education and research for generations but concern for the landscape and for preservation of key outcrops from wanton destruction has lead to many restrictions. One of the author’s favorite outcrops was recently vandalized presumably by a geologist who felt the need to bash some of the world’s most spectacular buckle folds with a rock sledge. It is not surprising, therefore, that geologists sometimes leave fragile localities out of field trip itineraries. Once analyzed, most specimens repose in drawers or bins, never to be seen again. Some end up in teaching collections but recent pedagogical research shows that undergraduate students have difficulty relating specimens both to their collection location and ultimate provenance in the lithosphere. Virtual specimens can be created using 3D modeling software and imported into virtual globes such as Google Earth (GE) where, they may be linked to virtual field trip stops or restored to their source localities on the paleo-globe. Sensitive localities may be protected by placemark approximation. The GE application program interface (API) has a distinct advantage over the stand-alone GE application when it comes to viewing and manipulating virtual specimens. When instances of the virtual globe are embedded in web pages using the GE plug-in, Collada models of specimens can be manipulated with javascript controls residing in the enclosing HTML, permitting specimens to be magnified, rotated in 3D, and sliced. Associated analytical data may be linked into javascript and localities for comparison at various points on the globe referenced by ‘fetching’ KML. Virtual specimens open up

  4. X-ray microscopy as an approach to increasing accuracy and efficiency of serial block-face imaging for correlated light and electron microscopy of biological specimens.

    Science.gov (United States)

    Bushong, Eric A; Johnson, Donald D; Kim, Keun-Young; Terada, Masako; Hatori, Megumi; Peltier, Steven T; Panda, Satchidananda; Merkle, Arno; Ellisman, Mark H

    2015-02-01

    The recently developed three-dimensional electron microscopic (EM) method of serial block-face scanning electron microscopy (SBEM) has rapidly established itself as a powerful imaging approach. Volume EM imaging with this scanning electron microscopy (SEM) method requires intense staining of biological specimens with heavy metals to allow sufficient back-scatter electron signal and also to render specimens sufficiently conductive to control charging artifacts. These more extreme heavy metal staining protocols render specimens light opaque and make it much more difficult to track and identify regions of interest (ROIs) for the SBEM imaging process than for a typical thin section transmission electron microscopy correlative light and electron microscopy study. We present a strategy employing X-ray microscopy (XRM) both for tracking ROIs and for increasing the efficiency of the workflow used for typical projects undertaken with SBEM. XRM was found to reveal an impressive level of detail in tissue heavily stained for SBEM imaging, allowing for the identification of tissue landmarks that can be subsequently used to guide data collection in the SEM. Furthermore, specific labeling of individual cells using diaminobenzidine is detectable in XRM volumes. We demonstrate that tungsten carbide particles or upconverting nanophosphor particles can be used as fiducial markers to further increase the precision and efficiency of SBEM imaging.

  5. Improving signal to noise in labeled biological specimens using energy-filtered TEM of sections with a drift correction strategy and a direct detection device.

    Science.gov (United States)

    Ramachandra, Ranjan; Bouwer, James C; Mackey, Mason R; Bushong, Eric; Peltier, Steven T; Xuong, Nguyen-Huu; Ellisman, Mark H

    2014-06-01

    Energy filtered transmission electron microscopy techniques are regularly used to build elemental maps of spatially distributed nanoparticles in materials and biological specimens. When working with thick biological sections, electron energy loss spectroscopy techniques involving core-loss electrons often require exposures exceeding several minutes to provide sufficient signal to noise. Image quality with these long exposures is often compromised by specimen drift, which results in blurring and reduced resolution. To mitigate drift artifacts, a series of short exposure images can be acquired, aligned, and merged to form a single image. For samples where the target elements have extremely low signal yields, the use of charge coupled device (CCD)-based detectors for this purpose can be problematic. At short acquisition times, the images produced by CCDs can be noisy and may contain fixed pattern artifacts that impact subsequent correlative alignment. Here we report on the use of direct electron detection devices (DDD's) to increase the signal to noise as compared with CCD's. A 3× improvement in signal is reported with a DDD versus a comparably formatted CCD, with equivalent dose on each detector. With the fast rolling-readout design of the DDD, the duty cycle provides a major benefit, as there is no dead time between successive frames.

  6. Two-Dimensional Standing Wave Total Internal Reflection Fluorescence Microscopy: Superresolution Imaging of Single Molecular and Biological Specimens

    OpenAIRE

    2007-01-01

    The development of high resolution, high speed imaging techniques allows the study of dynamical processes in biological systems. Lateral resolution improvement of up to a factor of 2 has been achieved using structured illumination. In a total internal reflection fluorescence microscope, an evanescence excitation field is formed as light is total internally reflected at an interface between a high and a low index medium. The

  7. AroER tri-screen™ is a novel functional assay to estimate both estrogenic and estrogen precursor activity of chemicals or biological specimens

    Science.gov (United States)

    Kanaya, Noriko; Nguyen, Duc M.; Lu, Hannah; Wang, Yuan-Zhong; Hsin, Li-Yu; Petreas, Myrto; Nelson, David; Guo, Weihong; Reynolds, Peggy; Synold, Tim; Chen, Shiuan

    2015-01-01

    The purpose of the study is to define AroER tri-screen's utility for identifying endocrine-disrupting chemicals (EDCs) that target aromatase and/or estrogen receptor (ER), and to measure the total estrogenic activity in biological specimens. ER-positive, aromatase-expressing MCF-7 breast cancer cells were stably transfected with an estrogen responsive element (ERE)-driven luciferase reporter plasmid to yield a new high-throughput screening platform—the AroER tri-screen. AroER tri-screen was capable of identifying estrogen precursors, such as cortodoxone, which function as estrogens through a two-step conversion process in aromatase-expressing tissue. Furthermore, the system proved useful for assessing EDC activity in biologically relevant samples. Estimating these activities is critical because natural estrogens and estrogenic EDCs are important factors in ER-positive breast cancer risk. As our research demonstrates, incorporating functionally active aromatase into the AroER tri-screen produces a powerful and unique tool to (1) identify new EDCs targeting aromatase and/or ER; (2) discover novel EDCs activated by aromatase; and (3) estimate overall estrogenic activities in biological samples as a potential intermediate risk factor for breast cancer. PMID:25962693

  8. AroER tri-screen™ is a novel functional assay to estimate both estrogenic and estrogen precursor activity of chemicals or biological specimens.

    Science.gov (United States)

    Kanaya, Noriko; Nguyen, Duc M; Lu, Hannah; Wang, Yuan-Zhong; Hsin, Li-Yu; Petreas, Myrto; Nelson, David; Guo, Weihong; Reynolds, Peggy; Synold, Tim; Chen, Shiuan

    2015-06-01

    The purpose of the study is to define AroER tri-screen's utility for identifying endocrine-disrupting chemicals (EDCs) that target aromatase and/or estrogen receptor (ER), and to measure the total estrogenic activity in biological specimens. ER-positive, aromatase-expressing MCF-7 breast cancer cells were stably transfected with an estrogen responsive element (ERE)-driven luciferase reporter plasmid to yield a new high-throughput screening platform-the AroER tri-screen. AroER tri-screen was capable of identifying estrogen precursors, such as cortodoxone, which function as estrogens through a two-step conversion process in aromatase-expressing tissue. Furthermore, the system proved useful for assessing EDC activity in biologically relevant samples. Estimating these activities is critical because natural estrogens and estrogenic EDCs are important factors in ER-positive breast cancer risk. As our research demonstrates, incorporating functionally active aromatase into the AroER tri-screen produces a powerful and unique tool to (1) identify new EDCs targeting aromatase and/or ER; (2) discover novel EDCs activated by aromatase; and (3) estimate overall estrogenic activities in biological samples as a potential intermediate risk factor for breast cancer.

  9. Development of single shot soft x-ray contact microscopy system for nano-scale dynamics measurement of living biological specimen

    Science.gov (United States)

    Kishimoto, Maki; Kado, Masataka; Ishino, Masahiko; Tamotsu, Satoshi; Yasuda, Keiko; Shinohara, Kunio

    2012-07-01

    We have been developing a picosecond single shot soft x-ray contact microscopy system for observing the nanometer-scale inner structure of the living biological specimen in a hydrated condition. The microscopy system consists of an intense IR pump laser system for generating laser-induced plasma as a soft x-ray source and x-ray microscope chamber. The pump laser system employs OPCPA (Optical Parametric Chirped Pulse Amplification) technique to obtain a high contrast pump laser pulse, and we can generate water-window x-rays effectively by combining it to an ultra-thin metal target. The x-ray microscope chamber is composed of a vacuum chamber, a focusing lens, a metal film target, an in-vacuum type sample holder. The pump laser pulse is focused on the metal film target with a focusing lens. The soft x-rays from the laser-induced plasma illuminates bio-specimens on the PMMA photo resist set in the in-vacuum sample holder. The photo resist is developed and the x-ray transmission image recorded on the photo resist is read out by AFM. We took x-ray images of hydrated Leydig cells from mouse testicle and demonstrated that the developed x-ray microscopy system has a spatial resolution of about 100 nm.

  10. Diagnosis of Physical and Biological Control over Phytoplankton in the Gulf of Maine-Georges Bank Region Using an Adjoint Data Assimilation Approach

    Institute of Scientific and Technical Information of China (English)

    WANG Caixia; Paola Malanotte-Rizzoli

    2014-01-01

    The linkage between physical and biological processes, particularly the effect of the circulation field on the distribution of phytoplankton, is studied by applying a two-dimensional model and an adjoint data assimilation approach to the Gulf of Maine-Georges Bank region. The model results, comparing well with observation data, reveal seasonal and geographic variations of phytoplankton concentration and verify that the seasonal cycles of phytoplankton are controlled by both biological sources and ad-vection processes which are functions of space and time and counterbalance each other. Although advective flux divergences have greater magnitudes on Georges Bank than in the coastal region of the western Gulf of Maine, advection control over phytoplankton concentration is more significant in the coastal region of the western Gulf of Maine. The model results also suggest that the two separated populations in the coastal regions of the western Gulf of Maine and on Georges Bank are self-sustaining.

  11. The role of the Environmental Specimen Bank in environmental monitoring: The example of CHC in selected matrices; Die Rolle der Umweltprobenbank in der Umweltueberwachung am Beispiel von chlorierten Kohlenwasserstoffen in ausgewaehlten Matrizes

    Energy Technology Data Exchange (ETDEWEB)

    Marth, P.; Kettrup, A. [GSF - Forschungszentrum fuer Umwelt und Gesundheit Neuherberg GmbH, Oberschleissheim (Germany). Inst. fuer Oekologische Chemie]|[Technische Univ. Muenchen, Freising (Germany). Lehrstuhl fuer Oekologische Chemie und Umweltanalytik; Schramm, K.W.; Henkelmann, B.; Wolf, A.; Oxynos, K.; Schmitzer, J. [GSF - Forschungszentrum fuer Umwelt und Gesundheit Neuherberg GmbH, Oberschleissheim (Germany). Inst. fuer Oekologische Chemie

    1999-03-01

    For precautionary environmental protection the Environmental Specimen Bank (ESB) has been successfully established as a permanent environmental surveillance tool in Germany. The presented monitoring results on chlorinated hydrocarbons (CHC) show very clearly the effects of political decisions and can be used for the identification of pollutant sources. The CHC burden of breams (Abramis brama) from five German rivers (Elbe, Rhein, Saar, Mulde, Saale) gives an current overview of the pollution situation of different limnic ecosystems in Germany. A calculation model about the distribution of organic pollutants between different tissues offers the possibility to predict concentrations in liver and muscle of breams. Legislative emission restrictions have led to a significant decrease of dioxin levels in herring gull (Larus argentatus) eggs between 1988-1996. (orig.) [Deutsch] Die Umweltprobenbank des Bundes hat sich im Rahmen der Oekologischen Umweltbeobachtung zu einem wichtigen und permanenten Instrument der Umweltpolitik entwickelt. Neben der Langzeitkonservierung fuer zukuenftige Forschungsaufgaben wird am Beispiel der chlorierten Kohlenwasserstoffe demonstriert, dass das durchgefuehrte Monitoring-Programm als Nachweis fuer die Effektivitaet gesetzlicher Massnahmen und zur Identifizierung von Schadstoffeintragsquellen genutzt werden kann. Der vorliegende Beitrag vermittelt am Beispiel der Brassen (Abramis brama) als Akkumulationsindikator einen aktuellen und raeumlich differenzierten Ueberblick ueber die chlororganische Belastungssituation bundesdeutscher Gewaesser (Elbe, Rhein, Saar, Mulde, Saale). Betrachtungen zur Verteilung organischer Chemikalien zwischen Gewebetypen von Brassen zeigen, dass sich die Verteilung der Schadstoffkonzentrationen in Leber und Muskel mit einem geringen Fehler errechnen laesst. Die Dioxingehalte von Silbermoeweneiern (Larus argentatus) belegen, dass die Belastung durch strengere Emissionsgrenzwerte seit Beginn der neunziger Jahre

  12. Influence of local and external processes on the annual nitrogen cycle and primary productivity on Georges Bank: A 3-D biological-physical modeling study

    Science.gov (United States)

    Ji, Rubao; Davis, Cabell; Chen, Changsheng; Beardsley, Robert

    2008-09-01

    Georges Bank is one of the world's most highly productive marine areas, but the mechanisms of nutrient supply to support such high productivity remain poorly understood. Intrusions of nutrient-poor Labrador Slope Water (LSW) into the Gulf of Maine (NAO-dependent) potentially can reduce nutrient delivery to the bank, but this mechanism has not been quantitatively examined. In this paper, we present the first whole-year continuous model simulation results using a biological-physical model developed for the Gulf of Maine/Georges Bank region. This high-resolution three-dimensional coupled model consists of the Finite Volume Coastal Ocean Model (FVCOM) and a Nitrogen-Phytoplankton-Zooplankton-Detritus (NPZD) model, and was used to examine the influences of local and external processes on nitrogen and phytoplankton dynamics on Georges Bank. The model captured the general pattern of spatial-temporal distributions of nitrogen and phytoplankton and provided a diagnostic analysis of different processes that control nitrogen fluxes on Georges Bank. Specifically, numerical experiments were conducted to examine seasonal variation in nitrogen transport into the central bank (new nitrogen supply) versus nitrogen regenerated internally in this region. Compared with previous observation-based studies, the model provided a quantitative estimate of nitrogen flux by integrating the transport over a longer time period and a complete spatial domain. The results suggest that, during summer months, internal nitrogen regeneration is the major nitrogen source for primary production on the central bank, while nitrogen supply through physical transport (e.g. tidal pumping) contributes about 1/5 of the total nitrogen demand, with an estimated on-bank nitrogen transport at least 50% less than previous estimates. By comparing the model runs using different nitrogen concentrations in deep Slope Water, the potential influence of NAO-dependent intrusions of LSW was examined. The results suggest

  13. Standard Operating Procedures, ethical and legal regulations in BTB (Brain/Tissue/Bio) banking: what is still missing?

    Science.gov (United States)

    Ravid, Rivka

    2008-09-01

    The use of human biological specimens in scientific research is the focus of current international public and professional concern and a major issue in bioethics in general. Brain/Tissue/Bio banks (BTB-banks) are a rapid developing sector; each of these banks acts locally as a steering unit for the establishment of the local Standard Operating Procedures (SOPs) and the legal regulations and ethical guidelines to be followed in the procurement and dissemination of research specimens. An appropriat Code of Conduct is crucial to a successful operation of the banks and the research application they handle. What are we still missing ? (1) Adequate funding for research BTB-banks. (2) Standard evaluation protocls for audit of BTB-bank performance. (3) Internationally accepted SOP's which will facilitate exchange and sharing of specimens and data with the scientific community. (4) Internationally accepted Code of Conduct. In the present paper we review the most pressing organizational, methodological, medico-legal and ethical issues involved in BTB-banking; funding, auditing, procurement, management/handling, dissemination and sharing of specimens, confidentiality and data protection, genetic testing, "financial gain" and safety measures. Taking into consideration the huge variety of the specimens stored in different repositories and the enormous differences in medico-legal systems and ethics regulations in different countries it is strongly recommend that the health-care systems and institutions who host BTB-Banks will put more efforts in getting adequate funding for the infrastructure and daily activities. The BTB-banks should define evaluation protocols, SOPs and their Code of Conduct. This in turn will enable the banks to share the collected specimens and data with the largest possible number of researchers and aim at a maximal scientific spin-off and advance in public health research.

  14. 广西肝癌高危人群队列和高发家系样本数据库的建立%Construction of the specimen bank and epidemiological database of high-risk population of liver cancer in Guangxi

    Institute of Scientific and Technical Information of China (English)

    张春燕; 黄天壬; 余家华; 张振权; 利基林; 邓伟; 叶司原; 周德南; 何振芳

    2011-01-01

    目的 建立肝癌高危人群队列和高发家系的血样本库和基础资料数据库.方法 在广西肝癌高发现场,选择肝癌高发年龄段常住居民进行防癌筛查和流行病学调查,其中HBsAg阳性的对象列为肝癌高危人群队列,对其定期随访和复查;根据基于人群的肿瘤登记资料和临床流行病学资料,选取肝癌高发家系并匹配相应对照家系.对所有研究对象均采集早晨空腹静脉血,进行HBsAg等生化指标检测和腹部B超检查;分离其血清、血浆和有核细胞,置于-80℃保存.所有资料按要求进行质控,并录入数据库.结果 已收集了30 000多人次的血清、血浆和有核细胞及其基础资料,并妥善保存和实行计算机动态管理.结论 建立该样本数据库,为下一步开展更深层次、高水平和高质量的广西区域性高发肿瘤基础研究、现场防控与临床研究,搭建了资源共享平台;探索和建立了一个具有先进性、科学性以及通用性等优点的数据管理系统,逐步实现了样本和资料的科学有效管理.%Objective To establish the specimen bank and epidemiological database of high-risk population of liver cancer in Guangxi. Methods In the high-risk area of liver cancer, permanent residents at high incidence age were enrolled for the anti-cancer screening and epidemiological surveys. The HBsAg-positive subjects were chosen as high-risk population cohort of liver cancer, and were regularly followed-up and reviewed. In accordance with population-based tumor registry data and clinical epidemiological data, high incidence families and the matched control families were determined. The morning fasting peripheral venous blood from these persons was collected for assessment of chemical and biological indicators, such as HBsAg. B-ultrasonography was also performed. The serum, plasma and mononuclear cells were separated and preserved under-80℃. All the information was carried out by quality control

  15. catalogue of the type specimens of amphibians and reptiles in the herpetological museum of chengdu institute of biology,chinese academy of sciences:i.rhacophoridae (anura,amphibia)

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    in order to facilitate herpetological research for all the herpetologists both in and outside of china,we will report all the type specimens of amphibia and reptilia deposited in the herpetological museum of chengdu institute of biology (cib),chinese academy of sciences in series.this report focuses on the family rhacophoridae of anura in amphibia,including 13 species.the contents of the report include synonym lists and generic transfer of type species,measurements of type specimens,particularly for those with no previously published measurement data,and chromosomal data for each species.

  16. 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.

  17. Cross-species comparison of biological themes and underlying genes on a global gene expression scale in a mouse model of colorectal liver metastasis and in clinical specimens

    Directory of Open Access Journals (Sweden)

    Schirmacher Peter

    2008-09-01

    Full Text Available Abstract Background Invasion-related genes over-expressed by tumor cells as well as by reacting host cells represent promising drug targets for anti-cancer therapy. Such candidate genes need to be validated in appropriate animal models. Results This study examined the suitability of a murine model (CT26/Balb/C of colorectal liver metastasis to represent clinical liver metastasis specimens using a global gene expression approach. Cross-species similarity was examined between pure liver, liver invasion, tumor invasion and pure tumor compartments through overlap of up-regulated genes and gene ontology (GO-based biological themes on the level of single GO-terms and of condensed GO-term families. Three out of four GO-term families were conserved in a compartment-specific way between the species: secondary metabolism (liver, invasion (invasion front, and immune response (invasion front and liver. Among the individual GO-terms over-represented in the invasion compartments in both species were "extracellular matrix", "cell motility", "cell adhesion" and "antigen presentation" indicating that typical invasion related processes are operating in both species. This was reflected on the single gene level as well, as cross-species overlap of potential target genes over-expressed in the combined invasion front compartments reached up to 36.5%. Generally, histopathology and gene expression correlated well as the highest single gene overlap was found to be 44% in syn-compartmental comparisons (liver versus liver whereas cross-compartmental overlaps were much lower (e.g. liver versus tumor: 9.7%. However, single gene overlap was surprisingly high in some cross-compartmental comparisons (e.g. human liver invasion compartment and murine tumor invasion compartment: 9.0% despite little histolopathologic similarity indicating that invasion relevant genes are not necessarily confined to histologically defined compartments. Conclusion In summary, cross

  18. 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...

  19. Urine culture - catheterized specimen

    Science.gov (United States)

    Culture - urine - catheterized specimen; Urine culture - catheterization; Catheterized urine specimen culture ... urinary tract infections may be found in the culture. This is called a contaminant. You may not ...

  20. Screening of matrix metalloproteinases available from the protein data bank: insights into biological functions, domain organization, and zinc binding groups.

    Science.gov (United States)

    Nicolotti, Orazio; Miscioscia, Teresa Fabiola; Leonetti, Francesco; Muncipinto, Giovanni; Carotti, Angelo

    2007-01-01

    A total of 142 matrix metalloproteinase (MMP) X-ray crystallographic structures were retrieved from the Protein Data Bank (PDB) and analyzed by an automated and efficient routine, developed in-house, with a series of bioinformatic tools. Highly informative heat maps and hierarchical clusterograms provided a reliable and comprehensive representation of the relationships existing among MMPs, enlarging and complementing the current knowledge in the field. Multiple sequence and structural alignments permitted better location and display of key MMP motifs and quantification of the residue consensus at each amino acid position in the most critical binding subsites of MMPs. The MMP active site consensus sequences, the C-alpha root-mean-square deviation (RMSd) analysis of diverse enzymatic subsites, and the examination of the chemical nature, binding topologies, and zinc binding groups (ZBGs) of ligands extracted from crystallographic complexes provided useful insights on the structural arrangements of the most potent MMP inhibitors.

  1. Fungal contaminants in cytopathology specimens

    Directory of Open Access Journals (Sweden)

    Prashant Sharma

    2014-02-01

    Full Text Available A pseudo-epidemic of environmental fungi, most likely by Fusarium spp., leading to inappropriate investigations for disseminated systemic mycosis is described. Subtle diagnostic clues, including the specimens affected, the nature of the host response, and the type of fungal elements noted helped to determine the nature of contaminants. The potential pitfall can be avoided by the knowledge of pertinent disease biology, prompt consultation for infectious diseases, and investigations of the potential environmental sources followed by source control.

  2. Data bank of optical properties of biological tissue and blood in the visible and near infrared spectral region

    Science.gov (United States)

    Khairullina, Alphiya Y.; Bui, Lilia; Oleinik, Tatiana V.; Artishevsky, Nelli; Prigoun, Natalia; Sevkovsky, Jakov; Mokhort, Tatiana

    1996-12-01

    The data bank contains optical, ordinary biochemical and biophysical information on 120 venous blood samples of donors, healthy persons, patients with high pathology, 60 tissue samples. The optical parameters include diffuse reflection R((lambda) ) and transmission T((lambda) ) coefficients for optically thick layers, the absorption K((lambda) ) and extinction (epsilon) ((lambda) ) spectra, oxygenation degree CO2, parameter p determined by sizes and shapes of cells and their aggregates, refractive index of a disperse phase relative to surrounding media, and cooperative effects at high relative concentration. The peculiarities in absorption K((lambda) spectra are connected with different pathologies. It is shown from K((lambda) ) that the grade of pathology connected with the concentration of hemoglobin and mithohondrion together with oxygenation degree of blood and tissues, with the pathological hemoglobin's forms and its decomposition products of different levels. Parameter p is an important diagnostic parameter. We consider that it is necessary to include the oxygenation degree and erythrocyte's aggregation parameter to extend the range of common diagnostic parameters of blood by the first rota.

  3. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  4. ARCTOS: a relational database relating specimens, specimen-based science, and archival documentation

    Science.gov (United States)

    Jarrell, Gordon H.; Ramotnik, Cindy A.; McDonald, D.L.

    2010-01-01

    Data are preserved when they are perpetually discoverable, but even in the Information Age, discovery of legacy data appropriate to particular investigations is uncertain. Secure Internet storage is necessary but insufficient. Data can be discovered only when they are adequately described, and visibility increases markedly if the data are related to other data that are receiving usage. Such relationships can be built within (1) the framework of a relational database, or (1) they can be built among separate resources, within the framework of the Internet. Evolving primarily around biological collections, Arctos is a database that does both of these tasks. It includes data structures for a diversity of specimen attributes, essentially all collection-management tasks, plus literature citations, project descriptions, etc. As a centralized collaboration of several university museums, Arctos is an ideal environment for capitalizing on the many relationships that often exist between items in separate collections. Arctos is related to NIH’s DNA-sequence repository (GenBank) with record-to-record reciprocal linkages, and it serves data to several discipline-specific web portals, including the Global Biodiversity Information Network (GBIF). The University of Alaska Museum’s paleontological collection is Arctos’s recent extension beyond the constraints of neontology. With about 1.3 million cataloged items, additional collections are being added each year.

  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 Kent; 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 deposi

  6. 37 CFR 2.59 - Filing substitute specimen(s).

    Science.gov (United States)

    2010-07-01

    ... 37 Patents, Trademarks, and Copyrights 1 2010-07-01 2010-07-01 false Filing substitute specimen(s..., DEPARTMENT OF COMMERCE RULES OF PRACTICE IN TRADEMARK CASES Drawing § 2.59 Filing substitute specimen(s). (a... specimen(s), the applicant must: (1) For an amendment to allege use under § 2.76, verify by affidavit...

  7. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  8. [Biology, thermal requirements and fertility life table of the broad mite Polyphagotarsonemus latus (Banks) (Acari: Tarsonemidae) in grape (Vitis vinifera L.) cv. Italia].

    Science.gov (United States)

    Ferreira, Rodrigo C F; de Oliveira, José V; Haji, Francisca N P; Gondim, Manoel G C

    2006-01-01

    The mite Polyphagotarsonemus latus (Banks) constitutes one of the main pest of grape crop at the Submédio São Francisco Valley. The objective of this work was to study the biology of the broad mite Polyphagotarsonemus latus (Banks), to determine its thermal requirements and its fertility life table in grape (Vitis vinifera L.) cv. Italy. Acclimatized chambers (BOD) were used, adjusted to the temperatures of 18, 22, 25, 28 and 32 degrees C, relative humidity of 65 +/- 10% and alternated light of 12h. Egg-adult period was 3.4 and 6.8 days for males and 3.5 and 7.4 days for females, respectively at 32 degrees C and 18 degrees C. At the temperatures of 18, 25 and 32 degrees C, each female deposited, respectively, 16.5, 44.3 and 13.3 eggs. The stages of egg, larva and pupa and egg-adult period presented, respectively, thermal thresholds of 11.23, 9.45, 12.19, and 9.71 degrees C and thermal constant of 28.51, 14.59, 8.33, and 62.73 degrees-day. The mean duration of one generation (T) was 25.6, 10.8 and 8.2 days, respectively, at the temperatures of 18, 25 and 32 degrees C. The net reproductive rate (R0) at the temperature of 25 degrees C was the highest, corresponding to an increase of 30.12 times at each generation. The intrinsic rate of population increase (rm) was 0.10 (18 degrees C), 0.31 (25 degrees C) and 0.12 (32 degrees C) and the finite ratio of population increase (lambda) was 1.10 (18 degrees C), 1.36 (25 degrees C) and 1.13 (32 degrees C). According to the mean temperature values, P. latus can have 95 and 99 generations/year, respectively, for the municipal districts of Petrolina, PE and Juazeiro, BA.

  9. Controlled Environment Specimen Transfer

    DEFF Research Database (Denmark)

    Damsgaard, Christian Danvad; Zandbergen, Henny W.; Hansen, Thomas Willum

    2014-01-01

    an environmental transmission electron microscope to an in situ X-ray diffractometer through a dedicated transmission electron microscope specimen transfer holder, capable of sealing the specimen in a gaseous environment at elevated temperatures. Two catalyst material systems have been investigated; Cu/ZnO/Al2O3...... transferred in a reactive environment to the environmental transmission electron microscope where further analysis on the local scale were conducted. The Co/Al2O3 catalyst was reduced in the environmental microscope and successfully kept reduced outside the microscope in a reactive environment. The in situ......Specimen transfer under controlled environment conditions, such as temperature, pressure, and gas composition, is necessary to conduct successive complementary in situ characterization of materials sensitive to ambient conditions. The in situ transfer concept is introduced by linking...

  10. Progress in detection of sartans in biological specimens by chromatography%生物样品中沙坦类药物检测方法研究进展

    Institute of Scientific and Technical Information of China (English)

    谭志荣; 李慧; 欧阳冬生; 周宏灏

    2012-01-01

    Sartans are extensively used for the treatment of hypertension, which include losartan, valsar-tan, irbesartan, omlesartan, telmisartan, candesartan and eprosartan. This article reviewed the detection of several sartans from biological specimens by chromatography, demonstrated the latest progression of the sartans detection. Such new methods will be beneficial to progress pharmacokinetics researches and drug concentration monitoring, facilitate development of new drugs and the guidance of clinical medication.%沙坦类药物是临床上治疗高血压的一线药物,包括洛沙坦、缬沙坦、厄贝沙坦、奥美沙坦、替米沙坦、坎地沙坦、依普沙坦等.文中对生物样品中此类降压药的色谱检测法作一综述,介绍作者的实验室使用的简单灵敏的色谱检测方法.这些新方法能促进沙坦类药物的药代动力学研究和低剂量给药药物浓度监测的发展,对于药物的进一步开发和临床用药浓度监测有非常重要的作用.

  11. The AIDS and Cancer Specimen Resource: Role in HIV/AIDS scientific discovery

    Directory of Open Access Journals (Sweden)

    McGrath Michael S

    2007-03-01

    Full Text Available Abstract The AIDS Cancer and Specimen Resource (ACSR supports scientific discovery in the area of HIV/AIDS-associated malignancies. The ACSR was established as a cooperative agreement between the NCI (Office of the Director, Division of Cancer Treatment and Diagnosis and regional consortia, University of California, San Francisco (West Coast, George Washington University (East Coast and Ohio State University (Mid-Region to collect, preserve and disperse HIV-related tissues and biologic fluids and controls along with clinical data to qualified investigators. The available biological samples with clinical data and the application process are described on the ACSR web site. The ACSR tissue bank has more than 100,000 human HIV positive specimens that represent different processing (43, specimen (15, and anatomical site (50 types. The ACSR provides special biospecimen collections and prepares speciality items, e.g., tissue microarrays (TMA, DNA libraries. Requests have been greatest for Kaposi's sarcoma (32% and non-Hodgkin's lymphoma (26%. Dispersed requests include 83% tissue (frozen and paraffin embedded, 18% plasma/serum and 9% other. ACSR also provides tissue microarrays of, e.g., Kaposi's sarcoma and non-Hodgkin's lymphoma, for biomarker assays and has developed collaborations with other groups that provide access to additional AIDS-related malignancy specimens. ACSR members and associates have completed 63 podium and poster presentations. Investigators have submitted 125 letters of intent requests. Discoveries using ACSR have been reported in 61 scientific publications in notable journals with an average impact factor of 7. The ACSR promotes the scientific exploration of the relationship between HIV/AIDS and malignancy by participation at national and international scientific meetings, contact with investigators who have productive research in this area and identifying, collecting, preserving, enhancing, and dispersing HIV

  12. Genomics and museum specimens.

    Science.gov (United States)

    Nachman, Michael W

    2013-12-01

    Nearly 25 years ago, Allan Wilson and colleagues isolated DNA sequences from museum specimens of kangaroo rats (Dipodomys panamintinus) and compared these sequences with those from freshly collected animals (Thomas et al. 1990). The museum specimens had been collected up to 78 years earlier, so the two samples provided a direct temporal comparison of patterns of genetic variation. This was not the first time DNA sequences had been isolated from preserved material, but it was the first time it had been carried out with a population sample. Population geneticists often try to make inferences about the influence of historical processes such as selection, drift, mutation and migration on patterns of genetic variation in the present. The work of Wilson and colleagues was important in part because it suggested a way in which population geneticists could actually study genetic change in natural populations through time, much the same way that experimentalists can do with artificial populations in the laboratory. Indeed, the work of Thomas et al. (1990) spawned dozens of studies in which museum specimens were used to compare historical and present-day genetic diversity (reviewed in Wandeler et al. 2007). All of these studies, however, were limited by the same fundamental problem: old DNA is degraded into short fragments. As a consequence, these studies mostly involved PCR amplification of short templates, usually short stretches of mitochondrial DNA or microsatellites. In this issue, Bi et al. (2013) report a breakthrough that should open the door to studies of genomic variation in museum specimens. They used target enrichment (exon capture) and next-generation (Illumina) sequencing to compare patterns of genetic variation in historic and present-day population samples of alpine chipmunks (Tamias alpinus) (Fig. 1). The historic samples came from specimens collected in 1915, so the temporal span of this comparison is nearly 100 years.

  13. Biaxial Creep Specimen Fabrication

    Energy Technology Data Exchange (ETDEWEB)

    JL Bump; RF Luther

    2006-02-09

    This report documents the results of the weld development and abbreviated weld qualification efforts performed by Pacific Northwest National Laboratory (PNNL) for refractory metal and superalloy biaxial creep specimens. Biaxial creep specimens were to be assembled, electron beam welded, laser-seal welded, and pressurized at PNNL for both in-pile (JOYO reactor, O-arai, Japan) and out-of-pile creep testing. The objective of this test campaign was to evaluate the creep behavior of primary cladding and structural alloys under consideration for the Prometheus space reactor. PNNL successfully developed electron beam weld parameters for six of these materials prior to the termination of the Naval Reactors program effort to deliver a space reactor for Project Prometheus. These materials were FS-85, ASTAR-811C, T-111, Alloy 617, Haynes 230, and Nirnonic PE16. Early termination of the NR space program precluded the development of laser welding parameters for post-pressurization seal weldments.

  14. [Blood Count Specimen].

    Science.gov (United States)

    Tamura, Takako

    2015-12-01

    The circulating blood volume accounts for 8% of the body weight, of which 45% comprises cellular components (blood cells) and 55% liquid components. We can measure the number and morphological features of blood cells (leukocytes, red blood cells, platelets), or count the amount of hemoglobin in a complete blood count: (CBC). Blood counts are often used to detect inflammatory diseases such as infection, anemia, a bleeding tendency, and abnormal cell screening of blood disease. This count is widely used as a basic data item of health examination. In recent years, clinical tests before consultation have become common among outpatient clinics, and the influence of laboratory values on consultation has grown. CBC, which is intended to count the number of raw cells and to check morphological features, is easily influenced by the environment, techniques, etc., during specimen collection procedures and transportation. Therefore, special attention is necessary to read laboratory data. Providing correct test values that accurately reflect a patient's condition from the laboratory to clinical side is crucial. Inappropriate medical treatment caused by erroneous values resulting from altered specimens should be avoided. In order to provide correct test values, the daily management of devices is a matter of course, and comprehending data variables and positively providing information to the clinical side are important. In this chapter, concerning sampling collection, blood collection tubes, dealing with specimens, transportation, and storage, I will discuss their effects on CBC, along with management or handling methods.

  15. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

    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.

  16. 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.

  17. Specimen and Genetic Information for Phylogeny of Blue-winged Ducks (Anas spp.), 2001-2011

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — Data set containing specimen information and GenBank accession numbers for five nuclear DNA introns and mitochondrial DNA control region sequence information for the...

  18. Specimen Holder For Flammability Tests

    Science.gov (United States)

    Rucker, Michelle A.

    1992-01-01

    Fixture holds sheet specimens for flammability tests. Frame and clamps designed to minimize local overstress on specimen. Heat capacity of fixture low, interfering less with interpretation of results of test by drawing less heat away from specimen. Accepts films, fabrics, foams, and other sheets, rigid or flexible. Specimens thin or thick, or of variable thickness. Bent to accommodate curved rigid specimens. Also used for such other tests as particle-impact tests.

  19. Biologic

    CERN Document Server

    Kauffman, L H

    2002-01-01

    In this paper we explore the boundary between biology and the study of formal systems (logic). In the end, we arrive at a summary formalism, a chapter in "boundary mathematics" where there are not only containers but also extainers ><, entities open to interaction and distinguishing the space that they are not. The boundary algebra of containers and extainers is to biologic what boolean algebra is to classical logic. We show how this formalism encompasses significant parts of the logic of DNA replication, the Dirac formalism for quantum mechanics, formalisms for protein folding and the basic structure of the Temperley Lieb algebra at the foundations of topological invariants of knots and links.

  20. 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.

  1. Modelling of Specimen Fracture

    Science.gov (United States)

    2013-09-23

    the plate center. An end load of 1.0 MPa was applied. 1 2 3 Modelling of Specimen Fracture – Final Report 11 TR-13-47 Figure 2.5: Crack Geometry Figure...Christopher Bayley DRDC Atlantic Dockyard Laboratory Pacific CFB Esquimalt, Building 199 PO Box 17000, Station Forces Victoria, British Columbia Canada...q The weighting function, q , can be any arbitrary function within the J-integral domain, and must be zero on the domain boundary . An easy function

  2. Labeling of Patient Specimens

    Science.gov (United States)

    2011-01-26

    noted during the event that the actu.al number of near miss incidmts reported monthly was low due to laboratory personnel performing rounds each...specimens never leaves label and if moved it is labeled), All orders in system and all near misses and errors reported to patient safety Purchase/Install...Meeting 14 Aug 09, 1400 in lab break room thru out Develop TICK sheet to track near misses .JDI Ms. Clark Clinics will provide toPS 1st working day of

  3. Utility of QR codes in biological collections.

    Science.gov (United States)

    Diazgranados, Mauricio; Funk, Vicki A

    2013-01-01

    The popularity of QR codes for encoding information such as URIs has increased exponentially in step with the technological advances and availability of smartphones, digital tablets, and other electronic devices. We propose using QR codes on specimens in biological collections to facilitate linking vouchers' electronic information with their associated collections. QR codes can efficiently provide such links for connecting collections, photographs, maps, ecosystem notes, citations, and even GenBank sequences. QR codes have numerous advantages over barcodes, including their small size, superior security mechanisms, increased complexity and quantity of information, and low implementation cost. The scope of this paper is to initiate an academic discussion about using QR codes on specimens in biological collections.

  4. Utility of QR codes in biological collections

    Directory of Open Access Journals (Sweden)

    Mauricio Diazgranados

    2013-07-01

    Full Text Available The popularity of QR codes for encoding information such as URIs has increased exponentially in step with the technological advances and availability of smartphones, digital tablets, and other electronic devices. We propose using QR codes on specimens in biological collections to facilitate linking vouchers’ electronic information with their associated collections. QR codes can efficiently provide such links for connecting collections, photographs, maps, ecosystem notes, citations, and even GenBank sequences. QR codes have numerous advantages over barcodes, including their small size, superior security mechanisms, increased complexity and quantity of information, and low implementation cost. The scope of this paper is to initiate an academic discussion about using QR codes on specimens in biological collections.

  5. 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...

  6. Morphometry of Concepcion Bank: Evidence of Geological and Biological Processes on a Large Volcanic Seamount of the Canary Islands Seamount Province.

    Science.gov (United States)

    Rivera, Jesus; Canals, Miquel; Lastras, Galderic; Hermida, Nuria; Amblas, David; Arrese, Beatriz; Martín-Sosa, Pablo; Acosta, Juan

    2016-01-01

    Concepcion Bank is the largest seamount in the Canary Islands Seamount Province (CISP), an oceanic area off NW Africa including 16 main seamounts, the Canaries archipelago and the Selvagens subarchipelago. The Bank is located 90 km northeast of Lanzarote Island and has been identified as a candidate Marine Protected Area (MPA) to be included in the Natura 2000 network. A compilation of complementary datasets consisting of multibeam bathymetry, TOPAS seismic reflection profiles, side scan sonar sonographs, Remotely Operated Vehicle video records and seafloor samples allowed describing in detail and ground truthing the submarine landforms and bioconstructions exhibited by the bank. The Concepcion Bank presently rises up to 2,433 m above the adjacent seafloor and exhibits two main domains: an extensive summit plateau and steep flanks. The sub-round summit plateau is 50km by 45 km and ranges from 158 to 1,485 m depth. The steep flanks that bound it descend to depths ranging between 1,700 and 2,500 m and define a seamount base that is 66km by 53 km. This morphology is the result of constructive and erosive processes involving different time scales, volumes of material and rates of change. The volcanic emplacement phase probably lasted 25-30 million years and was likely responsible for most of the 2,730 km3 of material that presently form the seamount. Subsequently, marine abrasion and, possibly, subaerial erosion modulated by global sea level oscillations, levelled the formerly emerging seamount summit plateau, in particular its shallower (<400 m), flatter (<0.5°) eastern half. Subsidence associated to the crustal cooling that followed the emplacement phase further contributed the current depth range of the seamount. The deeper and steeper (2.3°) western half of Concepcion Bank may result from tectonic tilting normal to a NNE-SSW fracture line. This fracture may still be expressed on the seafloor surface at some scarps detected on the seamount's summit. Sediment waves

  7. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

    The economic, financial and monetary changes had serious consequences not only on the level of providing the finance necessary for the development process but also on the level of providing the finance required for importing the basic food needs and rendering necessary production inputs. All these problems show the importance of “Banks” generally and “Investment Banks” particularly in the emerging and underdeveloped countries. Banks as financial institution or intermediary mobilize either nat...

  8. Morphometry of Concepcion Bank: Evidence of Geological and Biological Processes on a Large Volcanic Seamount of the Canary Islands Seamount Province

    Science.gov (United States)

    Canals, Miquel; Lastras, Galderic; Hermida, Nuria; Amblas, David; Arrese, Beatriz; Martín-Sosa, Pablo; Acosta, Juan

    2016-01-01

    Concepcion Bank is the largest seamount in the Canary Islands Seamount Province (CISP), an oceanic area off NW Africa including 16 main seamounts, the Canaries archipelago and the Selvagens subarchipelago. The Bank is located 90 km northeast of Lanzarote Island and has been identified as a candidate Marine Protected Area (MPA) to be included in the Natura 2000 network. A compilation of complementary datasets consisting of multibeam bathymetry, TOPAS seismic reflection profiles, side scan sonar sonographs, Remotely Operated Vehicle video records and seafloor samples allowed describing in detail and ground truthing the submarine landforms and bioconstructions exhibited by the bank. The Concepcion Bank presently rises up to 2,433 m above the adjacent seafloor and exhibits two main domains: an extensive summit plateau and steep flanks. The sub-round summit plateau is 50km by 45 km and ranges from 158 to 1,485 m depth. The steep flanks that bound it descend to depths ranging between 1,700 and 2,500 m and define a seamount base that is 66km by 53 km. This morphology is the result of constructive and erosive processes involving different time scales, volumes of material and rates of change. The volcanic emplacement phase probably lasted 25–30 million years and was likely responsible for most of the 2,730 km3 of material that presently form the seamount. Subsequently, marine abrasion and, possibly, subaerial erosion modulated by global sea level oscillations, levelled the formerly emerging seamount summit plateau, in particular its shallower (<400 m), flatter (<0.5°) eastern half. Subsidence associated to the crustal cooling that followed the emplacement phase further contributed the current depth range of the seamount. The deeper and steeper (2.3°) western half of Concepcion Bank may result from tectonic tilting normal to a NNE-SSW fracture line. This fracture may still be expressed on the seafloor surface at some scarps detected on the seamount’s summit. Sediment

  9. Type specimen studies in Pleurotus

    NARCIS (Netherlands)

    Petersen, Ronald H.; Krisai-Greilhuber, Irmgard

    1999-01-01

    An epitype specimen is designated for Pleurotus cornucopiae. Morphological examination of Mexican material and the type specimen of P. opuntiae showed that the distribution of this species includes North Africa and the highlands of Mexico. The type specimen of Lentinus (Pleurotus) eugrammus reveals

  10. 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…

  11. Tumor banks: the cornerstone of basic research in urology

    Directory of Open Access Journals (Sweden)

    Sabrina T. Reis

    2010-06-01

    Full Text Available PURPOSE: Tumor banks have the primary responsibility for collecting, cataloging, storing and disseminating samples of tissues, cells and fluids, which are used by researchers to identify diagnostic molecular markers, prognostic indicators and therapeutic targets. The objective of this review was to describe a simple, reliable and reproducible protocol for obtaining and storing samples of urological tumors. MATERIALS AND METHODS: Urogenital tumor tissues were collected by the surgeons from the Urology Division of University of Sao Paulo Medical School. The obtained surgical specimens were immediately placed in liquid nitrogen, dry ice or in a tube containing RNAlater ®, and then stored by cryopreservation (-80°C. A mirror fragment was fixed in 10% formalin processed routinely and embedded in Paraplast®. RESULTS: We developed a protocol for the collection, cataloging, storage, conservation and use of tumor samples. During a period of one year the Urological Tumor Bank of the Urology Division stored 274 samples of prostate, bladder, kidney, penis and testicle tumors of different histological types, 74 urine and 271 serum samples. CONCLUSIONS: Having biological materials characterized and available along with the clinical patient information provides an integrated portrait of the patients and their diseases facilitating advances in molecular biology. It also promotes the development of translational research improving methods of diagnosis and cancer treatment.

  12. High-frequency ultrasonic imaging of thickly sliced specimens

    Science.gov (United States)

    Miyasaka, Chiaki; Tittmann, Bernhard R.; Chandraratna, Premindra A. N.

    2003-07-01

    It has been reported that a mechanical scanning reflection acoustic microscope (hereinafter called simply "SAM"), using high frequency ultrasonic tone-burst waves, can form a horizontal cross-sectional image (i.e., c-scan image) showing a highly resolved cellular structure of biological tissue. However, the tissue prepared for the SAM has been mostly a thinly sectioned specimen. In this study, the SAM images of specimens thickly sectioned from the tissue were analyzed. Optical and scanning acoustic microscopies were used to evaluate tissues of human small intestine and esophagus. For preparing thin specimens, the tissue was embedded in paraffin, and substantially sectioned at 5-10μm by the microtome. For optical microscopy, the tissue was stained with hematoxylin and eosin, and affixed onto glass substrates. For scanning acoustic microscopy, two types of specimens were prepared: thinly sectioned specimens affixed on the glass substrate, wherein the specimens were deparaffinized in xylene, but not stained, and thickely sectioned specimens. Images of the thick specimens obtained with frequency at 200 MHz revealed cellular structures. The morphology was very similar to that seen in the thinly sectioned specimens with optical and scanning acoustic microscopy. In addition, scanning electron microscopy was used to compare the images of biological tissue. An acoustic lens with frequency at 200 MHz permitted the imaging of surface and/or subsurface of microstructures in the thick sections of small intestine and esophagus.

  13. 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.

  14. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

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

  15. 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.

  16. 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.

  17. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  18. 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

  19. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

    Central bank independence is a multifaceted institutional design. The financial component has been seldom analysed. This paper intends to set a comprehensive conceptual background for central bank financial independence. Quite often central banks are modelled as robot like maximizers of some goal. This perspective neglects the fact that central bank functions are inevitably deployed on its balance sheet and have effects on its income statement. A financially independent central bank exhibits ...

  20. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  1. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

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

  2. The Chinese Banking System

    OpenAIRE

    2012-01-01

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

  3. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

    There are many studies of bank performance and bank failure in the literature. Most of these studies used banking ratios as variables in their models without giving consideration to their appropriateness, nor was much consideration given to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank structure may differ by asset size. This study evaluates a large number of banking variables in order to identify stable ratios. These ratios ...

  4. 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...... 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....

  5. 2003 Dead Bald Eagle Specimen

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — The specimen report states the Bald Eagle was found along the side of the I-95 by a motorist who contacted Santee National Wildlife Refuge. The Bald Eagle was taken...

  6. Preserving Accuracy in GenBank

    DEFF Research Database (Denmark)

    Bidartondo, M.I.; Bruns, T. D.; Blackwell, M.

    2008-01-01

    GenBank, the public repository for nucleotide and protein sequences, is a critical resource for molecular biology, evolutionary biology, and ecology. While some attention has been drawn to sequence errors (1), common annotation errors also reduce the value of this database. In fact, for organisms...

  7. Manufacturing of Plutonium Tensile Specimens

    Energy Technology Data Exchange (ETDEWEB)

    Knapp, Cameron M [Los Alamos National Laboratory

    2012-08-01

    Details workflow conducted to manufacture high density alpha Plutonium tensile specimens to support Los Alamos National Laboratory's science campaigns. Introduces topics including the metallurgical challenge of Plutonium and the use of high performance super-computing to drive design. Addresses the utilization of Abaqus finite element analysis, programmable computer numerical controlled (CNC) machining, as well as glove box ergonomics and safety in order to design a process that will yield high quality Plutonium tensile specimens.

  8. Recommendations for collection and handling of specimens from group breast cancer clinical trials.

    Science.gov (United States)

    Leyland-Jones, Brian R; Ambrosone, Christine B; Bartlett, John; Ellis, Matthew J C; Enos, Rebecca A; Raji, Adekunle; Pins, Michael R; Zujewski, Jo Anne; Hewitt, Stephen M; Forbes, John F; Abramovitz, Mark; Braga, Sofia; Cardoso, Fatima; Harbeck, Nadia; Denkert, Carsten; Jewell, Scott D

    2008-12-01

    Recommendations for specimen collection and handling have been developed for adoption across breast cancer clinical trials conducted by the Breast International Group (BIG)-sponsored Groups and the National Cancer Institute (NCI)-sponsored North American Cooperative Groups. These recommendations are meant to promote identifiable standards for specimen collection and handling within and across breast cancer trials, such that the variability in collection/handling practices that currently exists is minimized and specimen condition and quality are enhanced, thereby maximizing results from specimen-based diagnostic testing and research. Three working groups were formed from the Cooperative Group Banking Committee, BIG groups, and North American breast cancer cooperative groups to identify standards for collection and handling of (1) formalin-fixed, paraffin-embedded (FFPE) tissue; (2) blood and its components; and (3) fresh/frozen tissue from breast cancer trials. The working groups collected standard operating procedures from multiple group specimen banks, administered a survey on banking practices to those banks, and engaged in a series of discussions from 2005 to 2007. Their contributions were synthesized into this document, which focuses primarily on collection and handling of specimens to the point of shipment to the central bank, although also offers some guidance to central banks. Major recommendations include submission of an FFPE block, whole blood, and serial serum or plasma from breast cancer clinical trials, and use of one fixative and buffer type (10% neutral phosphate-buffered formalin, pH 7) for FFPE tissue across trials. Recommendations for proper handling and shipping were developed for blood, serum, plasma, FFPE, and fresh/frozen tissue.

  9. "Shadow Banking: Policy Challenges for Central Banks"

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

    Central banks responded with exceptional liquidity support during the financial crisis to prevent a systemic meltdown. They broadened their tool kit and extended liquidity support to nonbanks and key financial markets. Many want central banks to embrace this expanded role as "market maker of last resort" going forward. This would provide a liquidity backstop for systemically important markets and the shadow banking system that is deeply integrated with these markets. But how much liquidity su...

  10. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  11. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

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

  12. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  13. 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...

  14. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

    Systemic banking crises can have devastating effects on the economies of developing or industrialized countries. This Policy Discussion Paper reviews the factors that weaken banking systems and make them more susceptible to crises.

  15. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  16. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  17. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  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. Time banking som ledelsesteknologi

    OpenAIRE

    Steensberg, Maja; Nielsen, Nadia Holm; Thomsen, Søren Tolshave

    2014-01-01

    This project examines how the English time banks Timber Wharf, Echo and Fair Shares affect their members and local environments. Based on Nikolas Rose’s theory on governmentality it is discussed, whether the time banks, understood as political actors, are challenging or reproducing neo-liberal governance. It is concluded that the way the time banks facilitates the concept of timebanking differs greatly. These different conducts are shaping the way in which the time banks are used by their mem...

  20. Essays on banking

    OpenAIRE

    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. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...

  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. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

    Loosened banking regulations may spur an increase of foreign banks in China Foreign banks will soon have a much easier time setting up outlets in China.According to regulations recently amended by the State Council,as of January 1,foreign

  3. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  4. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  5. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  6. 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

  7. Wildlife specimen collection, preservation, and shipment

    Science.gov (United States)

    White, C. LeAnn; Dusek, Robert J.; Franson, J. Christian; Friend, Milton; Gibbs, Samantha E.J.; Wild, Margaret A.

    2015-01-01

    Specimens are used to provide supporting information leading to the determination of the cause of disease or death in wildlife and for disease monitoring or surveillance. Commonly used specimens for wildlife disease investigations include intact carcasses, tissues from carcasses, euthanized or moribund animals, parasites, ingested food, feces, or environmental samples. Samples from live animals or the environment (e.g., contaminated feed) in the same vicinity as a mortality event also may be helpful. The type of specimen collected is determined by availability of samples and biological objectives. Multiple fresh, intact carcasses from affected species are the most useful in establishing a cause for a mortality event. Submission of entire carcasses allows observation of gross lesions and abnormalities, as well as disease testing of multiple tissues. Samples from live animals may be more appropriate when sick animals cannot be euthanized (e.g., threatened or endangered species) or for research and monitoring projects examining disease or agents circulating in apparently healthy animals or those not exhibiting clinical signs. Samples from live animals may include collections of blood, hair, feathers, feces, or ectoparasites, or samples obtained by swabbing lesions or orifices. Photographs and videos are useful additions for recording field and clinical signs and conveying conditions at the site. Collection of environmental samples (e.g., feces, water, feed, or soil) may be appropriate when animals cannot be captured for sampling or the disease agent may persist in the environment. If lethal collection is considered necessary, biologists should refer to the policies, procedures, and permit requirements of their institution/facility and the agency responsible for species management (U.S. Fish and Wildlife Service or State natural resource agency) prior to use in the field. If threatened or endangered species are found dead, or there is evidence of illegal take, field

  8. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  9. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

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

  10. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

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

  11. 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.

  12. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

    Bank liquidity management and optimal resource allocation of commercial bank Nostro accounts balances receive much less attention from the scientists compared to the questions on capital structure, funding, credit risk analysis and stress testing. Optimal liquidity management is a way to lower bank costs and risks, which are going to increase over time, especially when money markets are dry of free funds. There are two sides of the issue to be analyzed. The optimal resource allocation and cor...

  13. Bank Record Processing

    Science.gov (United States)

    1982-01-01

    Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.

  14. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

    This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

  15. Hydraulically Driven Grips For Hot Tensile Specimens

    Science.gov (United States)

    Bird, R. Keith; Johnson, George W.

    1994-01-01

    Pair of grips for tensile and compressive test specimens operate at temperatures up to 1,500 degrees F. Grips include wedges holding specimen inside furnace, where heated to uniform temperature. Hydraulic pistons drive wedges, causing them to exert clamping force. Hydraulic pistons and hydraulic fluid remain outside furnace, at room temperature. Cooling water flows through parts of grips to reduce heat transferred to external components. Advantages over older devices for gripping specimens in high-temperature tests; no need to drill holes in specimens, maintains constant gripping force on specimens, and heated to same temperature as that of specimen without risk of heating hydraulic fluid and acuator components.

  16. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

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

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  18. Dual Banking Systems and Interest Rate Risk for Islamic Banks

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

    In introducing Islamic banking in Malaysia, the basic strategy was to replicate the products/ services offered by conventional banks. The successful implementation of such a strategy has meant that Malaysia today has a truly dual banking system. Islamic banks in Malaysia not only have product similarity with conventional banks but share the same overall economic environment and a common customer base. The ability of non Muslim customers/depositors to switch between the two banking syste...

  19. 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.

  20. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...

  1. Esterilização por óxido de etileno: II. Influência de corpos de prova no desempenho de monitores biológicos e sua avaliação Ethylene oxide sterilization: II. The influence of test specimens on the performance of biological monitors and its evaluation

    Directory of Open Access Journals (Sweden)

    Terezinha de Jesus A. Pinto

    1992-12-01

    Full Text Available Pela importância da garantia de esterilidade em produto médico-hospitalares e pela predominância da forma tubular dentre estes produtos, conduziu-se o estudo de monitores biológicos em que os corpos de prova apresentavam diferentes comprimentos e diâmetros. O sensor biológico foi constituído de esporos de Bacillus subtilis var. niger adquirido do mercado nacional sob tiras de papel. Após esterilização por processo industrial, seguiu-se a recuperação dos esporos sobreviventes através de inoculação dos suportes em caldo tioglicolato, caldo caseína-soja e este adicionado de azul de bromotimol. A capacidade promotora de crescimento destes 3 meios de cultura não apresentou diferenças. A eficácia esterilizante foi dependente do tamanho de corpos de prova. A determinação periódica do teor residual de gás nos corpos de prova, bem como a monitoração ambiental industrial indicaram a importância da legislação em vigor, devendo ser obedecida a fim de garantir inocuidade aos pacientes e operadores.In view of the importance of the assurance of the sterility of medical devices, with a large incidence of tubular forms, a study of biological monitors was undertaken, using paper as a carrier, the dimension of the test specimens being the variable considered. After the sterilization process in an industrial cycle, followed by the recovery of the surviving spores through inoculation of the carriers into thioglicolate broth, soybean-casein broth and this last with the addition of bromothymol blue. No differences were found between the growth promoting capacity of these 3 media. The effectiveness of sterilization was dependent on the dimension of the test specimens. The periodic determination of residual gas content on the test specimens, as well as the monitoring of the industrial environment demonstrate the need and importance of the legislation in force.

  2. 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.

  3. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

  4. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    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 ba

  5. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

    This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a t

  6. 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 constrain

  7. 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 el

  8. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  9. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  10. Measurements and Counts for Notacanthidae Specimens

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Taxonomic data were collected for specimens of deep-sea spiny eels (Notacanthidae) from the Hawaiian Ridge by Bruce C. Mundy. Specimens were collected off the north...

  11. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

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

  12. Ethical Consideration on the Researches Using Human Biological Specimen-Revision Suggestion and Enlightenment of "Common Rule" for Subject Protection in the United States%利用人体生物标本进行研究的伦理思考--美国受试者保护“通用法则”的修改建议及启示

    Institute of Scientific and Technical Information of China (English)

    刘海涛; 熊宁宁

    2016-01-01

    The use of human biological specimen has great significance to the development of biomedicine. Meanwhile, the powerful electronic data set with sophisticated analytic techniques creates challenge to the protec-tion of private information. As for the research with human biological specimen, how to facilitate the research con-duct on the basis of ethical principles is one of the key considerations when the US Department of Health and Hu-man Service initiated the revision of Code of Federal Regulations ( CFR) -the"Common Rule" for subject protec-tion. The Notice of Proposed Rulemaking ( NPRM) proposed:Respect for autonomy will be enforced by broad con-sent to enforce and waiver of consent intend to be rare;If the research risks only involve privacy protection, review process will be simplified under the premise of ensuring the implementation of privacy laws and other protective measures. The paper introduced the revisions related to the researches using human biological specimen in NPRM, analyzed the terms of broad consent, exemption and exclusion, and explored the elicitation to ethical review prac-tice in China.%人体生物标本的利用对推动生物医学的进展有重大意义,与此同时,强大的电子数据库信息处理能力给个人信息的保密带来了挑战。对于利用人体生物标本的研究,如何在确保遵循伦理原则的基础上促进研究的顺利开展,是美国卫生与人类服务部在修改美国联邦法规———人体研究受试者保护“通用法则”过程中的重要考虑因素之一。其公布的“建议规则制定通知”提出:通过泛知情同意,强化对受试者自主权的尊重,几乎不再有免除知情同意的情况;对于研究风险仅仅涉及隐私保护,将在明确保证执行隐私法等保护措施的前提下,简化审查程序。围绕NPRM中提出的有关利用人体生物标本的研究的修改情况进行介绍,对NPRM中关于知情同意、豁免审查和

  13. Ultrasound-facilitated formalin fixation of biological specimens.

    Science.gov (United States)

    Zou, N; Liang, Q; He, H; Liu, J; Ji, A; Nelson, A M; Chu, W S

    2011-12-01

    In a previous study, we showed that ultrasound can dramatically reduce the time required for tissue fixation in formalin. It generally is believed that ultrasound increases the speed of tissue fixation in two possible ways: 1) increasing the speed of penetration of fixative molecules into tissue samples and 2) increasing the speed of cross-linking reactions. We addressed here the second possible way by using protein solutions and cultured cells, which minimized the effects of the penetration factor. Proteins or cultured cells in solution were fixed with formalin with or without ultrasound irradiation. Fixed proteins and cell lysates then were separated by SDS-poly acrylamide gel electrophoresis and subjected to Western blotting to examine cross-linking formation in certain proteins. Unexpectedly, irradiation with ultrasound did not produce an observable difference in the rate of cross-linking in protein solutions. In similar experiments using cultured cells, however, we observed a significant reduction in recovery of certain proteins from cells fixed by formalin under the influence of ultrasound, which indicated that the ultrasound fixation procedure accelerated cross-linking formation within cells. Studies on protein and cell fixation without ultrasound showed that cross-linking formation was closely related to incubation temperature, which indicates that the heating function, which is inherently associated with ultrasound is another major factor in the ability of ultrasound to accelerate cross-linking.

  14. 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.

  15. Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

    The study analyzes macroeconomic and bank specific determinants of credit risk in Islamic and Conventional Banks. Multivariate Regression analysis is applied on the sample of 15 conventional banks and 13 Islamic Banks in Malaysia over the period between 2000 and 2010. The finding shows that the banks specific determinants of credit risk are uniquely influenced the credit risk formation of Islamic and Conventional banks. The study found that risky sector financing; regulatory capital (REGCAP) ...

  16. GenBank

    Science.gov (United States)

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

    2017-01-01

    GenBank® (www.ncbi.nlm.nih.gov/genbank/) is a comprehensive database that contains publicly available nucleotide sequences for 370 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or the NCBI Submission Portal. GenBank staff assign accession numbers upon data receipt. Daily data exchange with the European Nucleotide Archive (ENA) and the DNA Data Bank of Japan (DDBJ) ensures worldwide coverage. GenBank is accessible through the NCBI Nucleotide database, which links to related information such as taxonomy, genomes, protein sequences and structures, and biomedical journal literature in PubMed. BLAST provides sequence similarity searches of GenBank and other sequence databases. Complete bimonthly releases and daily updates of the GenBank database are available by FTP. Recent updates include changes to policies regarding sequence identifiers, an improved 16S submission wizard, targeted loci studies, the ability to submit methylation and BioNano mapping files, and a database of anti-microbial resistance genes. PMID:27899564

  17. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

    Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

  18. PERBANDINGAN PENGHASILAN TABUNGAN MUDHARABAH NASABAH BANK SYARIAH (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar)

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

    2014 Perbandingan Penghasilan Tabungan Mudharabah Nasabah Bank Syariah (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar) Profit Sharing Comparison of Mudharabah Saving of Islamic Banking (A Case Study at Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Muamalat Indonesia in Makassar) Yuliana Alimula Alimuddin Muhammad Ashari Penelitian ini bertujuan un...

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

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

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

  20. Sensitivity of Czech Commercial Banks to a Run on Banks

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

    Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.

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

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

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

  2. 16 CFR Figure 6 to Subpart A of... - Dummy Specimen in Specimen Holder

    Science.gov (United States)

    2010-01-01

    ... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Dummy Specimen in Specimen Holder 6 Figure 6 to Subpart A of Part 1209 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT..., Fig. 6 Figure 6 to Subpart A of Part 1209—Dummy Specimen in Specimen Holder EC03OC91.036...

  3. Continuing role of a frozen-tissue bank in molecular pathology.

    Science.gov (United States)

    Naber, S P

    1996-12-01

    The growth of molecular diagnostics and its application in various clinical laboratories have made it necessary to standardize the methods used to freeze and store tissues used in molecular testing. It may now be advantageous to preserve fresh tissues and other specimen types in a central frozen-tissue bank so that sample preparation and storage conditions are appropriate for molecular applications and so that the specimen inventory can be efficiently managed. The pathology laboratory is a logical site for the facility because the professional and technical expertise available is focused on the complex scientific and regulatory aspects of laboratory medicine. Organizationally, the tissue-bank program should be overseen by a surgical pathologist to integrate it into routine surgical pathology activities. A member of the laboratory technical staff can serve as the tissue-bank coordinator with responsibility for systematic storage and retrieval of specimens and routine maintenance of equipment and supplies. To facilitate the tissue-freezing procedure and efficient storage of multiple types of specimens, 2.0 ml cryogenic vials are used as the uniform storage container. All specimens are stored at -140 to -150 degrees C in the vapor phase of liquid nitrogen. The specimen inventory data are maintained with a computerized program specifically designed to manage complex specimen storage. A frozen-tissue bank is easily implemented in a pathology laboratory and is a valuable institutional asset for diagnostic and research purposes.

  4. Equipment and organization of a frozen tissue bank--an update.

    Science.gov (United States)

    Naber, S P; Andreis, C M

    1994-01-01

    The growth of molecular diagnostics and its application in various clinical laboratories has made it necessary to standardize the methods used to freeze and store tissues used in molecular testing. It may now be advantageous to preserve fresh tissues and other specimen types in a central frozen tissue bank so that sample preparation and storage conditions are appropriate for molecular applications and so that the specimen inventory can be efficiently managed. The pathology laboratory is a logical site for this facility since the professional and technical expertise available is focused on the complex scientific and managerial aspects of laboratory medicine. Organizationally, the tissue bank program should be overseen by a surgical pathologist in order to integrate it into routine surgical pathology activities. A member of the laboratory technical staff can serve as the tissue bank coordinator with responsibility for systematic storage and retrieval of specimens and routine maintenance of equipment and supplies. In order to facilitate the tissue freezing procedure as well as efficient storage of multiple types of specimens, 2.0 ml cryogenic vials are used as the uniform storage container. All specimens are stored at -140 to -150 degrees C in the vapor phase of liquid nitrogen. The specimen inventory data are maintained with a computerized program specifically designed to manage complex specimen storage. A frozen tissue bank is easily implemented in a pathology laboratory and is a valuable institutional asset for diagnostic and research purposes.

  5. Clinicopathological study of hysterectomised specimens

    Directory of Open Access Journals (Sweden)

    Saravana A.

    2016-12-01

    Full Text Available Background: Hysterectomy is the commonest major surgical procedure performed in gynecology. It can be done by abdominal or vaginal route and with the help of laparoscopy. Hysterectomy is an effective treatment option for many conditions like fibroid, abnormal uterine bleeding, endometriosis, adenomyosis, uterine prolapse, pelvic inflammatory disease and cancer of reproductive organ when other treatment options are contraindicated or have failed, or if the woman no longer wishes to retain her menstrual and reproductive. The aim and objective of the study was to correlate indications of hysterectomy with histopathological findings in hysterectomised patients. Methods: A retrospective study was carried on 113 hysterectomised cases over a period of one year from June 2015 to May 2016. The data regarding the patient’s age, parity, clinical diagnosis, type of hysterectomy and histopathological diagnosis were reviewed by the records and analyzed. Results: A total of 113 cases of hysterectomies were studied. Hysterectomies were distributed over a wide age ranging from 20 years to 75 years. Most common age group was 41-50 years. Among hystectomies majority were done through vaginal route 86 (76.1% and 26 (23% cases were done through abdominal route. Most common clinical diagnosis was fibroid uterus in 44(38.9% cases. Most of the hysterectomies were done for benign conditions. In final histopathological report most common diagnosis was fibroid uterus in 45(39.8% hysterectomy specimens. It was correlated well with clinical diagnosis. Next most common histopathological diagnosis was Adenomyosis. Conclusions: Histopathological analysis correlated well with preoperative clinical diagnosis in majority of cases. The commonest indication and histopathological finding in our study was fibroid uterus. Next most common histopathological finding was Adenomyosis. Most commonly hysterectomies were done through vaginal route in our study.

  6. Cord-Blood Banking

    Science.gov (United States)

    ... blood banks may capitalize on the fears of vulnerable new parents by providing misleading information about the statistics of stem cell transplants. Parents of children of ethnic or racial minorities, adopted children, or ...

  7. 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.

  8. Cord-Blood Banking

    Science.gov (United States)

    ... lymphoma , aplastic anemia , severe sickle cell disease , and severe combined immunodeficiency . There are two types of banks that store ... For Kids For Parents MORE ON THIS TOPIC Severe Combined Immunodeficiency Birthing Centers and Hospital Maternity Services A Guide ...

  9. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

    Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.

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

  11. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

    Full Text Available This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This result provides support to the common view that bank opaqueness is problematic and that transparency among financial institutions should be increased.

  12. Nondestructive DNA extraction from museum specimens.

    Science.gov (United States)

    Hofreiter, Michael

    2012-01-01

    Natural history museums around the world hold millions of animal and plant specimens that are potentially amenable to genetic analyses. With more and more populations and species becoming extinct, the importance of these specimens for phylogenetic and phylogeographic analyses is rapidly increasing. However, as most DNA extraction methods damage the specimens, nondestructive extraction methods are useful to balance the demands of molecular biologists, morphologists, and museum curators. Here, I describe a method for nondestructive DNA extraction from bony specimens (i.e., bones and teeth). In this method, the specimens are soaked in extraction buffer, and DNA is then purified from the soaking solution using adsorption to silica. The method reliably yields mitochondrial and often also nuclear DNA. The method has been adapted to DNA extraction from other types of specimens such as arthropods.

  13. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  14. Cord blood banking activity in Iran National Cord Blood Bank: a two years experience.

    Science.gov (United States)

    Jamali, Mostafa; Atarodi, Kamran; Nakhlestani, Mozhdeh; Abolghasemi, Hasan; Sadegh, Hosein; Faranoosh, Mohammad; Golzade, Khadije; Fadai, Razieh; Niknam, Fereshte; Zarif, Mahin Nikougoftar

    2014-02-01

    Today umbilical cord blood (UCB) has known as a commonly used source of hematopoietic stem cells for allogeneic transplantation and many cord blood banks have been established around the world for collection and cryopreservation of cord blood units. Herein, we describe our experience at Iran National Cord Blood Bank (INCBB) during 2 years of activity. From November 2010 to 2012, UCBs were collected from 5 hospitals in Tehran. All the collection, processing, testing, cryopreservation and storage procedures were done according to standard operation procedures. Total nucleated cells (TNC) count, viability test, CD34+ cell count, colony forming unit (CFU) assay, screening tests and HLA typing were done on all banked units. Within 3770 collected units, only 32.9% fulfilled banking criteria. The mean volume of units was 105.2 ml and after volume reduction the mean of TNC, viability, CD34+ cells and CFUs was 10.76×10(8), 95.2%, 2.99×10(6) and 7.1×10(5), respectively. One unit was transplanted at Dec 2012 to a 5-year old patient with five of six HLA compatibilities. In our country banking of UCB is new and high rate of hematopoietic stem cell transplants needs expanding CB banks capacity to find more matching units, optimization of methods and sharing experiences to improve biological characterization of units.

  15. Protein Circular Dichroism Data Bank (PCDDB): data bank and website design.

    Science.gov (United States)

    Whitmore, Lee; Janes, Robert W; Wallace, B A

    2006-06-01

    The Protein Circular Dichroism Data Bank (PCDDB) is a new deposition data bank for validated circular dichroism spectra of biomacromolecules. Its aim is to be a resource for the structural biology and bioinformatics communities, providing open access and archiving facilities for circular dichroism and synchrotron radiation circular dichroism spectra. It is named in parallel with the Protein Data Bank (PDB), a long-existing valuable reference data bank for protein crystal and NMR structures. In this article, we discuss the design of the data bank structure and the deposition website located at http://pcddb.cryst.bbk.ac.uk. Our aim is to produce a flexible and comprehensive archive, which enables user-friendly spectral deposition and searching. In the case of a protein whose crystal structure and sequence are known, the PCDDB entry will be linked to the appropriate PDB and sequence data bank files, respectively. It is anticipated that the PCDDB will provide a readily accessible biophysical catalogue of information on folded proteins that may be of value in structural genomics programs, for quality control and archiving in industrial and academic labs, as a resource for programs developing spectroscopic structural analysis methods, and in bioinformatics studies.

  16. 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.

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  18. 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.

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

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

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

  20. 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.

  1. 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.

  2. Key issues relating to the genetic stability and preservation of cells and cell banks.

    Science.gov (United States)

    Simione, F P

    1992-01-01

    The long term maintenance of genetically stable cells is important for ensuring reproducible results and continuity in the advance of microbiology, cell biology and biotechnology. As actively growing cultures, cells are constantly at risk of changing, and the necessity for subculturing living materials increases the chances for genetic change and contamination. Many techniques are available for stabilizing living cells; the method employed must be compatible with the intended use of the culture. The most commonly utilized means of preserving living cells are by freezing to cryogenic temperatures, and freeze-drying. Master stocks are usually maintained at liquid nitrogen or comparable temperatures, while working stocks can be frozen or freeze-dried, and maintained at more economical and easily managed temperatures where possible. However, low temperature techniques may cause damage that can result in genetic change, or potential selection when only a small portion of the population survives. Therefore, a good preservation program must include a comprehensive cell characterization regimen that is applied both before and after preserving the cells to ensure that changes are detected when they do occur. Assurance of long term stability necessitates well designed safekeeping and security measures that include minimizing specimen handling through well designed inventory systems, validation and monitoring of storage temperatures, provisions for backup inventory, and training of personnel. Cell banking also requires good cataloguing and data management practices to avoid duplication and misidentification, and to ensure proper tracking of specimens and ease of access.

  3. 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...

  4. 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.

  5. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring...

  6. 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.

  7. 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.

  8. The Impact of Storage Times of Museum Insect Specimens on PCR Success: Case Study on Moth Collections in Indonesia

    Directory of Open Access Journals (Sweden)

    HARI SUTRISNO

    2012-06-01

    Full Text Available Museum specimens are vast repositories of genetic information of interests to biological researchers. Since a new method in DNA extraction, a non destructive method, has been reported to be successful in extracting DNA of museum specimens even fossils without any morphological damages, using museum specimens as resources of genetic information for molecular studies is becoming popular recently. However, the PCR success depends on the quality of the specimens. To evaluate the impact of the storage times of museum specimens on PCR success,we conducted DNA extraction of 14 dry museum specimens of the moths collected from 1992 to 2010 by using a non destructive method. The results showed that the DNA specimens museum were fragmented into various sizes (100-1000 bp depend on the storage times. On the other hand, fresh specimens which were preserved withinabsolute ethanol were almost not fragmented. The specimens of < 6 years old (2005-2010 succeed to amplify in 650 bp amplicon but for some specimens of 7 years old (2 of 3 specimens resulted in a very weak amplification. These specimens, however, were able to amplify strongly in 300 bp amplicon. The results also showed that specimens of 1-19 years old were success to amplify in 100 bp amplicon.

  9. 16 CFR Figure 3 to Part 1610 - Specimen Holder Supported in Specimen Rack

    Science.gov (United States)

    2010-01-01

    ... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Specimen Holder Supported in Specimen Rack 3 Figure 3 to Part 1610 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT... Holder Supported in Specimen Rack ER25MR08.002...

  10. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...

  11. Reconstituted Charpy impact specimens. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Perrin, J.S.; Wullaert, R.A.; McConnell, P.; Server, W.L.; Fromm, E.O.

    1982-12-01

    The arc stud welding process was used to produce new, full size Charpy V-notch impact specimens from halves of Charpy specimens which had been previously tested. The apparatus was developed such that it could be used not only for unirradiated specimens, but also so that it could be adapted for in-cell use to produce new reconstituted specimens of irradiated material. The materials studied are of interest in nuclear applications. They include A533B, A36, A516-80, submerged arc weld metal (A508 base metal), HY80, cast duplex stainless steel, irradiated A533B, and irradiated submerged arc weld metal (A508 base metal). Both unirradiated and irradiated specimens were successfully produced and subsequently impact tested. In general, there was excellent agreement when comparing the original curves to the subsequent curves generated with reconstituted specimens. This program has shown that the arc stud welding process is well suited for producing reconstituted specimens at a reasonable cost using either unirradiated or irradiated material.

  12. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

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

  13. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

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

  14. 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...

  15. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  16. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

    Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  17. Mode-II-Fracture Specimen And Holder

    Science.gov (United States)

    Buzzard, Robert J.; Ghosn, Louis; Succop, George

    1991-01-01

    Test specimen and loading frame developed for fatigue and fracture testing of materials under mode-II (sliding-mode) loading. Assembly placed in compression-testing machine. Loads directed oppositely along centerline cause self-similar crack to propagate. Enables consistently accurate alignment of specimens before insertion of specimen/frame assemblies into compression-testing machine. Makes design attractive for testing in hostile environments in which access to machine or furnace limited. Additional feature, with little or no modification, placed horizontally into impact testing machine and subjected to loading at high speeds.

  18. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  19. 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...

  20. 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…

  1. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

    In July 1968, the First National City Bank in New York (Citibank) received a government contract to train the disadvantaged by providing orientation, counseling, job related education, supervisor training, child care, transportation, and some medical and dental care. The Job Opportunities in the Business Sector Program (JOBS) stipulated pay of $70…

  2. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  3. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

    FOUR of the five directors of state banks in Beihai City in Guangxi Zhuang Autonomous Region are women. These women show that women are no longer only able to manage family finance, but they are able to take charge of the important responsibility for state finance. The mayor of Beihai City calls them the city’s outstanding financial affairs managers.

  4. Innovative Secure Mobile Banking Services

    OpenAIRE

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

    2011-01-01

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

  5. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  6. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

    Central banks may operate perfectly well without capital as conventionally defined. A large negative net worth, however, is likely to compromise central bank independence and interfere with its ability to attain policy objectives. If society values an independent central bank capable of effectively implementing monetary policy, recapitalization may become essential. Proper accounting practice in determining central bank profit or loss and rules governing the transfer of the central bank’s ope...

  7. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  8. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

    Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Sertifikat Wadiah Bank Indonesia (SWBI), dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini ...

  9. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...

  10. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  11. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

    Over the past two decades, foreign banks have become much more important in domestic financial intermediation, heightening the need to understand their behavior. We introduce a new, comprehensive database, made publicly available, on bank ownership (including the home country of foreign banks) for 5

  12. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The result

  13. 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.

  14. Structure of Wet Specimens in Electron Microscopy

    Science.gov (United States)

    Parsons, D. F.

    1974-01-01

    Discussed are past work and recent advances in the use of electron microscopes for viewing structures immersed in gas and liquid. Improved environmental chambers make it possible to examine wet specimens easily. (Author/RH)

  15. Impact of specimen adequacy on the assessment of renal allograft biopsy specimens.

    Science.gov (United States)

    Cimen, S; Geldenhuys, L; Guler, S; Imamoglu, A; Molinari, M

    2016-01-01

    The Banff classification was introduced to achieve uniformity in the assessment of renal allograft biopsies. The primary aim of this study was to evaluate the impact of specimen adequacy on the Banff classification. All renal allograft biopsies obtained between July 2010 and June 2012 for suspicion of acute rejection were included. Pre-biopsy clinical data on suspected diagnosis and time from renal transplantation were provided to a nephropathologist who was blinded to the original pathological report. Second pathological readings were compared with the original to assess agreement stratified by specimen adequacy. Cohen's kappa test and Fisher's exact test were used for statistical analyses. Forty-nine specimens were reviewed. Among these specimens, 81.6% were classified as adequate, 6.12% as minimal, and 12.24% as unsatisfactory. The agreement analysis among the first and second readings revealed a kappa value of 0.97. Full agreement between readings was found in 75% of the adequate specimens, 66.7 and 50% for minimal and unsatisfactory specimens, respectively. There was no agreement between readings in 5% of the adequate specimens and 16.7% of the unsatisfactory specimens. For the entire sample full agreement was found in 71.4%, partial agreement in 20.4% and no agreement in 8.2% of the specimens. Statistical analysis using Fisher's exact test yielded a P value above 0.25 showing that - probably due to small sample size - the results were not statistically significant. Specimen adequacy may be a determinant of a diagnostic agreement in renal allograft specimen assessment. While additional studies including larger case numbers are required to further delineate the impact of specimen adequacy on the reliability of histopathological assessments, specimen quality must be considered during clinical decision making while dealing with biopsy reports based on minimal or unsatisfactory specimens.

  16. Vickers Microhardness Testing with Miniaturized Disk Specimens

    OpenAIRE

    Kurishita, Hiroaki; Kayano, Hideo

    1991-01-01

    The microhardness technique has been increasingly important for testing irradiated materials because of the necessity of small-scale specimen technology. In order to establish Vickers microhardness testing over a wide temperature range using miniaturized specimens such as transmission electron microscopy (TEM) disks, an apparatus that permits the measurements in the temperature range of well below liquid nitrogen temperature to well above room temperature is developed. Effects of indentation ...

  17. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  18. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

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

  19. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  20. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... the bank's loan customers. (b) Income derived from credit life insurance sales to loan customers may... seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks...

  1. 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)...

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

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

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

  3. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

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

  4. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

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

  5. 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

  6. 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...

  7. Closeout of JOYO-1 Specimen Fabrication Efforts

    Energy Technology Data Exchange (ETDEWEB)

    ME Petrichek; JL Bump; RF Luther

    2005-10-31

    Fabrication was well under way for the JOYO biaxial creep and tensile specimens when the NR Space program was canceled. Tubes of FS-85, ASTAR-811C, and T-111 for biaxial creep specimens had been drawn at True Tube (Paso Robles, CA), while tubes of Mo-47.5 Re were being drawn at Rhenium Alloys (Cleveland, OH). The Mo-47.5 Re tubes are now approximately 95% complete. Their fabrication and the quantities produced will be documented at a later date. End cap material for FS-85, ASTAR-811C, and T-111 had been swaged at Pittsburgh Materials Technology, Inc. (PMTI) (Large, PA) and machined at Vangura (Clairton, PA). Cutting of tubes, pickling, annealing, and laser engraving were in process at PMTI. Several biaxial creep specimen sets of FS-85, ASTAR-811C, and T-111 had already been sent to Pacific Northwest National Laboratory (PNNL) for weld development. In addition, tensile specimens of FS-85, ASTAR-811C, T-111, and Mo-47.5 Re had been machined at Kin-Tech (North Huntington, PA). Actual machining of the other specimen types had not been initiated. Flowcharts 1-3 detail the major processing steps each piece of material has experienced. A more detailed description of processing will be provided in a separate document [B-MT(SRME)-51]. Table 1 lists the in-process materials and finished specimens. Also included are current metallurgical condition of these materials and specimens. The available chemical analyses for these alloys at various points in the process are provided in Table 2.

  8. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

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

  9. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

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

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....

  11. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....

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

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...

  13. [Biological effects in natural populations of small rodents in radiation-polluted territories. Dynamics of chromosome aberration frequency in a number of generations of European bank vole (Clethrionomys glareolus, Schreber)].

    Science.gov (United States)

    Goncharova, R I; Riabokon', N I

    1998-01-01

    The dynamics of chromosome aberration frequency in bone marrow cells of many generations (14) of bank vole living in the radioactive trace of the Chernobyl catastrophe (1986-1992) has been analysed. The study revealed that the chromosome aberration frequency in voles in the areas with radio-contamination density 220 and 1526 kBq/m2 (for 137Cs) significantly exceeds the control level 3-7 times over the whole period under investigation. The dynamics of the frequency of structural chromosome injuries from 1986 to 1991-1992 is characterised by the tendency to increase in all populations inhabiting the areas with various radio-contamination density (8-1526 kBq/m2).

  14. Mouse mammary tumor virus-like gene sequences are present in lung patient specimens

    Directory of Open Access Journals (Sweden)

    Rodríguez-Padilla Cristina

    2011-09-01

    Full Text Available Abstract Background Previous studies have reported on the presence of Murine Mammary Tumor Virus (MMTV-like gene sequences in human cancer tissue specimens. Here, we search for MMTV-like gene sequences in lung diseases including carcinomas specimens from a Mexican population. This study was based on our previous study reporting that the INER51 lung cancer cell line, from a pleural effusion of a Mexican patient, contains MMTV-like env gene sequences. Results The MMTV-like env gene sequences have been detected in three out of 18 specimens studied, by PCR using a specific set of MMTV-like primers. The three identified MMTV-like gene sequences, which were assigned as INER6, HZ101, and HZ14, were 99%, 98%, and 97% homologous, respectively, as compared to GenBank sequence accession number AY161347. The INER6 and HZ-101 samples were isolated from lung cancer specimens, and the HZ-14 was isolated from an acute inflammatory lung infiltrate sample. Two of the env sequences exhibited disruption of the reading frame due to mutations. Conclusion In summary, we identified the presence of MMTV-like gene sequences in 2 out of 11 (18% of the lung carcinomas and 1 out of 7 (14% of acute inflamatory lung infiltrate specimens studied of a Mexican Population.

  15. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

    Full Text Available The paper discusses about awareness of mobile banking services and their possible contribution towards sustainable growth. This study attempts to look into the issues regarding mobile banking services and their possible contribution in financial inclusion in India. With the help of this study author tries to focus those areas where banks can provide these mobile banking services. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion. For a successful financial inclusion i.e., inclusive growth, in this era, combination of both the services i.e., banking as well as mobile is very much required. Mobile banking which can be termed as virtual banking can do wonders for the economy, because these days growth in economy is possible with the help of financial inclusion and in current scenario, statistics reveals that it is very easy with the help of mobile banking. This study has been done in two phases. First phase discusses about awareness of M-banking services and Second phase discusses about possible contribution of mobile banking towards financial inclusion. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. In fact including rural subscribers in the banking net can help in inclusive growth, as it not very difficult to go for a mobile phone rather than going for a computer in rural areas. This service can do wonders if implemented effectively and sincerely. If any service is provided, there are always two sides, supply side and demand side. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion.

  16. 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.

  17. MANAGING DISRUPTIVE TECHNOLOGY — INTERNET BANKING VENTURES FOR TRADITIONAL BANKS

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

    This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks. Specifically, this empirical study uses a stratified sample of the FDIC database to address how perception of the technology and the environmental context (knowledge of cause-effect relations and crystallized outcome standards) impact internal and external constituency relationships (including social ...

  18. 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....

  19. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

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

  20. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  1. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in...

  2. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...: 1. SG-BBC, LLC, and The Stephens Group, LLC, both of Little Rock, Arkansas; to acquire voting...

  3. 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...

  4. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

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

  5. GenBank

    OpenAIRE

    Burks, Christian; Cassidy, Maxxwell; Cinkosky, Michael J.; Cumella, Karen E.; Gilna, Paul; Hayden, Jamie E.-D.; Keen, Gifford M.; Kelley, Tom A.; Kelly, Michael; Kristofferson, David; Ryals, Julie

    1991-01-01

    The GenBank nucleotide sequence database now contains sequence data and associated annotation corresponding to 56,000,000 nucleotides in 45,000 entries. The input stream of data coming into the database has largely been shifted to direct submissions from the scientific community on electronic media. The data have been installed in a relational database management system and are made available in this form through on-line access, and through various network and off-line computer-readable media...

  6. 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...

  7. 37 CFR 2.56 - Specimens.

    Science.gov (United States)

    2010-07-01

    ... indicate membership in the collective organization. (5) A certification mark specimen must show how a... of a union or other organization performed the work or labor on the goods or services. (c) A... be a digitized image in .jpg or .pdf format....

  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. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  10. 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...

  11. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment. 

  12. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.

  13. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with...

  14. 12 CFR 7.1010 - Postal service by national bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may...

  15. Rehydration of forensically important larval Diptera specimens.

    Science.gov (United States)

    Sanford, Michelle R; Pechal, Jennifer L; Tomberlin, Jeffery K

    2011-01-01

    Established procedures for collecting and preserving evidence are essential for all forensic disciplines to be accepted in court and by the forensic community at large. Entomological evidence, such as Diptera larvae, are primarily preserved in ethanol, which can evaporate over time, resulting in the dehydration of specimens. In this study, methods used for rehydrating specimens were compared. The changes in larval specimens with respect to larval length and weight for three forensically important blow fly (Diptera: Calliphoridae) species in North America were quantified. Phormia regina (Meigen), Cochliomyia macellaria (F.), and Chrysomya rufifacies (Macquart) third-instar larvae were collected from various decomposing animals and preserved with three preservation methods (80% ethanol, 70% isopropyl alcohol, and hot-water kill then 80% ethanol). Preservative solutions were allowed to evaporate. Rehydration was attempted with either of the following: 80% ethanol, commercial trisodium phosphate substitute solution, or 0.5% trisodium phosphate solution. All three methods partially restored weight and length of specimens recorded before preservation. Analysis of variance results indicated that effects of preservation, rehydration treatment, and collection animal were different in each species. The interaction between preservative method and rehydration treatment had a significant effect on both P. regina and C. macellaria larval length and weight. In addition, there was a significant interaction effect of collection animal on larval C. macellaria measurements. No significant effect was observed in C. rufifacies larval length or weight among the preservatives or treatments. These methods could be used to establish a standard operating procedure for dealing with dehydrated larval specimens in forensic investigations.

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

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

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

  17. 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....

  18. 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...

  19. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A...

  20. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

  1. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

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

  2. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

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

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

  4. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

    Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islami...

  5. Determinents of profitability – a comparative analysis of islamic banks and conventional banks in ASEAN countries

    OpenAIRE

    Wahidudin, AHMAD Nazri; Subramaniam, ULAGANATHAN; Pg. Kamaluddin, PENGIRAN. Abd Mutalib

    2012-01-01

    The profit and loss sharing system allows bank to share risk with client in Islamic banks. Moreover Islamic banks are required to operate as per Islamic Rules and principles. Unlike Islamic banks, conventional banks operate based on interest. The income of conventional banks is the difference between interest paid to depositors and interest paid by borrowers. This is the common banking system around the world. This study will analyze determinants of profitability in Islamic banks will be co...

  6. Information Technology Role in Reducing E-Banking Services Risk in Jordanian Banking Sector

    OpenAIRE

    Ahmad Y. Areiqat; Aymen M. Abu-Errub; Badi S. AL-Rawashdeh; Mohammad Dbbaghieh

    2012-01-01

    Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank). Results: The results showed that Jordanian banks showed highest attention toward risk ...

  7. Existing data sources for clinical epidemiology: the Danish National Pathology Registry and Data Bank

    DEFF Research Database (Denmark)

    Erichsen, Rune; Lash, Timothy; Dutoit, Stephen Jacques Hamilton;

    2010-01-01

    of epidemiological research. We describe two recent additions to these databases: the Danish National Pathology Registry (DNPR) and its underlying national online registration database, the Danish Pathology Data Bank (DPDB). The DNPR and the DPDB contain detailed nationwide records of all pathology specimens...

  8. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118

  9. 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...

  10. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  11. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Establishing leave banks and leave bank... REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1003 Establishing leave banks and leave bank boards. (a) Each agency that participates in the voluntary leave bank program shall, in accordance...

  12. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives and agricultural credit banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management §...

  13. Elements of banking intermediation in the Algerian Banking system and the means to activate it

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

    Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.

  14. 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’

  15. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    2015-01-01

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

  16. MODELS OF BANKING RISKS MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Bente Corneliu Cristian

    2009-05-01

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

  17. Croatian bank investments in securities

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-12-01

    Full Text Available In this paper the author presents the basic characteristics of debt securities and shares and analyses the amount, structure and characteristics of the securities portfolio in Croatian banks in period from 1993 to 2004. The analysis shows that in the entire analyzed period Republic of Croatia together with state funds and other public institutions was the main issuer of securities that banks have in their portfolios. The securities issued by banks and companies represent only a marginal part of banks’ portfolios but it is also true that banks have strongly supported the privatization process of state owned companies by providing credit for purchasing of shares and later on swapping their credit claims for shares. In this way banks acquired a significant portfolio of shares that they later sold on the open market. Data about the significant reduction of securities portfolio in the banking assets structure, from 46.1% in 1993 to only 10.6% in 2004, is indicative of a low level of trading in securities. This means that in the following years, central and local government should secure the necessary funds more by issuing securities than by credit, especially not by taking credit from abroad. Furthermore, in order to spread business with securities, banks should also substitute a portion of their credit portfolio with short and long term securities. In this way, the investors would be able to use the benefits of investing in securities instead of investing their funds in bank deposits as they have done until now.

  18. 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

  19. The American Indian Development Bank?

    Science.gov (United States)

    Pottinger, Richard

    1992-01-01

    In 1990, the Indian Finance Corporation Act died in committee for lack of Indian support. A model for an American Indian Development Bank is proposed, based on the International Finance Corporation of the World Bank. Two case studies illustrate how this model can meet Indian economic development needs. (SV)

  20. 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.

  1. Causes of banking crises revisited

    NARCIS (Netherlands)

    Klomp, J.G.

    2010-01-01

    We examine to what extent there exists heterogeneity in the causes of a banking crisis. For this purpose, we use a random coefficient logit model including 110 countries between 1970 and 2007. We conclude that there exists significant heterogeneity in the causes of a banking crisis. We find that a h

  2. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  3. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  4. Asian Banks: Leading the Way to Recovery

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

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

  5. Breast specimen shrinkage following formalin fixation

    Directory of Open Access Journals (Sweden)

    Horn CL

    2014-02-01

    Full Text Available Christopher L Horn, Christopher Naugler Department of Pathology and Laboratory Medicine, University of Calgary, and Calgary Laboratory Services, Calgary, AB, Canada Abstract: Accurate measurement of primary breast tumors and subsequent surgical margin assessment is critical for pathology reporting and resulting patient therapy. Anecdotal observations from pathology laboratory staff indicate possible shrinkage of breast cancer specimens due to the formalin fixation process. As a result, we conducted a prospective study to investigate the possible shrinkage effects of formalin fixation on breast cancer specimens. The results revealed no significant changes in tumor size, but there were significant changes in the distance to all surgical resection margins from the unfixed to fixed state. This shrinkage effect could interfere with the accuracy of determining distance to margin assessment and tumor-free margin assessment. Thus, changes in these measurements due to the formalin fixation process have the potential to alter treatment options for the patient. Keywords: breast margins, formalin, shrinkage, cancer

  6. 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

  7. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

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

  8. Damage modeling in Small Punch Test specimens

    DEFF Research Database (Denmark)

    Martínez Pañeda, Emilio; Cuesta, I.I.; Peñuelas, I.

    2016-01-01

    Ductile damage modeling within the Small Punch Test (SPT) is extensively investigated. The capabilities ofthe SPT to reliably estimate fracture and damage properties are thoroughly discussed and emphasis isplaced on the use of notched specimens. First, different notch profiles are analyzed...... and constraint conditionsquantified. The role of the notch shape is comprehensively examined from both triaxiality and notchfabrication perspectives. Afterwards, a methodology is presented to extract the micromechanical-basedductile damage parameters from the load-displacement curve of notched SPT samples...

  9. Is routine histopathology of tonsil specimen necessary?

    Directory of Open Access Journals (Sweden)

    Agida S Adoga

    2011-01-01

    Full Text Available Background: Tonsillar diseases are common in paediatric and adult otolaryngological practice. These diseases require tonsillectomy. Specimens are subjected to histopathology routinely in my institution for fear of infections and tumour without consideration for risk factors. The financial burden is on the patients and waste of histopathologist′s man hour because other specimens are left un-attended. This study aims to find out the necessity of routine histopathology of tonsil specimens. Materials and Methods : A 2 year retrospective review of the histopathological results of two (paediatric and adult groups of 61 patients managed for tonsillar diseases at the ENT UNIT of Jos University Teaching Hospital from July 2005 to June, 2007. Data extracted included biodata, clinical features and histopathological diagnosis. Result : The 61 patients comprise 35 children and 26 adults. The youngest and oldest paediatric patients were 1 year and 3 months and 16 years respectively, a range of 1 year 3 months to 16 years. The youngest and oldest adults were 17 and 50 years with a range of 17-50 years. Groups mean ages were 5.1 and 28.5 years. The gender ratios were 1:2.7 and 1:1.9 respectively. One adult was HIV positive. The histopathological diagnosis were chronic nonspecific tonsillitis in 10(16.6%, follicular tonsillitis in 23(38.3%, chronic suppurative tonsillitis in 10(16.6%, lymphoid hyperplasia in 18(30.0% and lymphoma in 1(1.0% respectively. Conclusion : Histopathologic request for tonsillectomy specimens should be based on certain risk factors with consideration of the cost to patients and to spare the histopathologist′s man hour.

  10. Longitudinal Bank for Serum, Plasma and DNA for Detection of Biomarkers

    Energy Technology Data Exchange (ETDEWEB)

    Ward, David C

    2009-01-31

    With the support of this DOE appropriation, NVCI has established a biorepository for serum, plasma, DNA and urine specimens. Over 2,500 patients have been consented which is over 90% of all new patients seen at NVCI. The specimens have been coded, centrifuged, aliquoted and frozen at -80°C in a rapid manner so that they are all processed in less than 1 hour from the acquisition. There are over 28,000 aliquoted, coded tubes in our inventory. Specimens from 200 control volunteer subjects without any history of cancer also have been banked. The patient specimens are encoded and the demographics and therapeutic treatments are linked to the Oncore software. This computer program catalogues the specimens and provides a rapid conduit between the biorepository and the NVCI electronic medical record.

  11. Incidental prostate cancer in radical cystoprostatectomy specimens

    Institute of Scientific and Technical Information of China (English)

    Xiao-Dong Jin; Zhao-Dian Chen; Bo Wang; Song-Liang Cai; Xiao-Lin Yao; Bai-Ye Jin

    2008-01-01

    Aim: To investigate the rates of prostate cancer (Pca) in radical cystoprostatectomy (RCP) specimens for bladder cancer in mainland China. To determine the follow-up outcome of patients with two concurrent cancers and identify whether prostate-specific antigen (PSA) is a useful tool for the detection of Pca prior to surgery. Methods: From January 2002 to January 2007, 264 male patients with bladder cancer underwent RCP at our center. All patients underwent digital rectal examination (DRE) and B ultrasound. Serum PSA levels were tested in 168 patients. None of the patients had any evidence of Pca before RCP. Entire prostates were embedded and sectioned at 5 mm intervals. Results: Incidental Pca was observed in 37 of 264 (14.0%) RCP specimens. Of these, 12 (32.4%) were clinically significant according to an accepted definition. The PSA levels were not significantly different between patients with Pca and those without Pca, nor between patients with significant Pca and those with insignificant Pca. Thirty-four patients with incidental Pca were followed up. During a mean follow-up period of 26 months, two patients with PSA > 4 ng/mL underwent castration. None of the patients died of Pca. Conclusion: The incidence of Pca in RCP specimens in mainland China is lower than that in most developed countries. PSA cannot identify asymptomatic Pca prior to RCP. In line with published reports, incidental Pca does not impact the prognosis of bladder cancer patients undergoing RCP.

  12. Impact of shadow banks on financial contagion

    OpenAIRE

    Yoshiharu Maeno; Kenji Nishiguchi; Satoshi Morinaga; Hirokazu Matsushima

    2014-01-01

    An asset network systemic risk (ANWSER) model is presented to investigate the impact of how shadow banks are intermingled in a financial system on the severity of financial contagion. Particularly, the focus of this study is the impact of the following three representative topologies of an interbank loan network between shadow banks and regulated banks. (1) Random mixing network: shadow banks and regulated banks are intermingled randomly. (2) Asset-correlated mixing network: banks having bigg...

  13. 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...

  14. Banking Software Applications Security

    Directory of Open Access Journals (Sweden)

    Ioan Alexandru Bubu

    2015-03-01

    Full Text Available Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current software.First we will take a quick look at current security methods that are in use, and a few known vulnerabilities. After this, we will discuss the security measures implemented in my application, and finally, we will the results of implementing them.

  15. Specimen loading list for the varying temperature experiment

    Energy Technology Data Exchange (ETDEWEB)

    Qualls, A.L.; Sitterson, R.G. [Oak Ridge National Lab., TN (United States)

    1998-09-01

    The varying temperature experiment HFIR-RB-13J has been assembled and inserted in the reactor. Approximately 5300 specimens were cleaned, inspected, matched, and loaded into four specimen holders. A listing of each specimen loaded into the steady temperature holder, its position in the capsule, and the identification of the corresponding specimen loaded into the varying temperature holder is presented in this report.

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

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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

  17. HMSRP Hawaiian Monk Seal Specimen Data (includes physical specimens, collection information, status, storage locations, and laboratory results associated with individual specimens)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — This data set includes physical specimens, paper logs and Freezerworks database of all logged information on specimens collected from Hawaiian monk seals since 1975....

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

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

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

  19. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

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

  20. Middle Eocene (Bartonian) Nummulites perforatus bank from the Transylvanian Basin, Romania: an example from a classical occurrence

    Science.gov (United States)

    Szabolcs Attila, Kövecsi; Lóránd, Silye; György, Less; Sorin, Filipescu

    2016-04-01

    Giant uni-cellulars, Nummulites lived in stable oligotrophic environments throughout the Eocene of the Tethys forming large accumulations called "banks" (Arni, 1965), which were identified on the top of the Cǎpusu Formation, Transylvanian Basin (Popescu, 1978). The studied outcrop is located near Cǎpusu village, Cluj County where we studied two sections (CA1, CA2). They consist of medium to coarse grained sands with abundant Nummulites perforatus (A and B forms). Sporadically specimens of Nummulites beaumonti are also present. According to the larger foraminiferal zonation of Serra-Kiel et al. (1998) the studied nummlitic bank is referred to the SBZ 17 Zone (early Bartonian). Specimens were recovered from 6 samples, about 2 kg each, prepared by standard methods. In section CA1 the A/B ratio ranges between 42/1 and 117/1 while in section CA2 the A/B ratio varies between 27/1 and 52/1. The higher A/B ratio suggests that the original Nummulites assemblages was winnowed in situ. By contrast, the lower A/B ratio indicates that the original assemblage was supposedly selectively winnowed (Ainger, 1985), but they are in situ (Seddighi et al., 2015). This interpretation is supported by the fact, that in all samples the Nummulites specimens (both A and B form) are bioeroded and abraded, which indicates a shallow water environment with high hydrodynamic activity (Racey, 2001; Papazzoni, 2008). Based on our observations the studied nummulitic accumulations consist mostly of monospecific assemblages, and they form a bank. The identified biofabrics, the A/B ratio of the assemblages and the presence of both A and B forms support this interpretation. The presence of the abraded Nummulites tests further suggest that the studied deposits were sedimented in a shallow water environment with high hydrodynamic activity, probably in a wave dominant setting. References: Aigner, T. 1982. Event-stratification in nummulite accumulations and in shell beds from the Eocene of Egypt. In

  1. Comparison of Islamic Banks with Conventional Banks: Evidence from an Emerging Market

    Directory of Open Access Journals (Sweden)

    Ameenullah Aman

    2016-03-01

    Full Text Available This paper evaluates and compares the performance of Sharia-compliant banks with their conventional counterparts operating in Pakistan. Data of five full-fledged Islamic Banks(IBs and fifteen Conventional Banks (CBs, all from Pakistan, have been used for the study. Study period comprises of six years from year 2008 to year 2013. Bank's orientation, efficiency, quality of assets and stability are the measures used to compare the performance of Shariah-compliant and conventional banks. The Islamic Banks in Pakistan are younger in age and smaller in size compared to the Conventional Banks. Based on the financial ratios of two types of banks, we find that the business model of Islamic Banks is inferior to the model of Conventional Banks. Islamic Banks are less cost efficient than Conventional Banks. However, Islamic Banks have superior asset quality with better bank stability position.

  2. 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.

  3. 12 CFR 1261.12 - Reporting requirements for Bank directors.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 1261.14 - Vacant Bank directorships.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Vacant Bank directorships. 1261.14 Section 1261.14 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections § 1261.14 Vacant...

  5. 12 CFR 1261.13 - Ineligible Bank directors.

    Science.gov (United States)

    2010-01-01

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

  6. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Mission of the Banks. 940.2 Section 940.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION CORE MISSION ACTIVITIES § 940.2 Mission of the Banks. The mission of the Banks is to provide to their members' and...

  7. 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 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank...

  8. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

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

  9. 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...

  10. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm...

  11. 12 CFR 619.9060 - Bank for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank for cooperatives. 619.9060 Section 619.9060 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9060 Bank for cooperatives. A bank for cooperatives is a bank that is operating under section 3.0 of the Act....

  12. 印度洋撒雅德玛哈浅滩(Saya de Malha Bank)底层延绳钓渔场丝尾红钻鱼生物学特性%Biological characteristics of ruby snapper (Etelis coruscans) from the bottom longlining in the Saya de Malha bank of the Indian Ocean

    Institute of Scientific and Technical Information of China (English)

    许柳雄; 林东明; 叶旭昌

    2008-01-01

    利用2005年10月至2006年1月印度洋公海撒雅德玛哈浅滩(Saya de Malha Bank)丝尾红钻鱼(Etelis coruscans)延绳钓渔获物生物学测定数据,应用统计及回归方法分别对310尾丝尾红钻鱼的性腺成熟度、性别比例、叉长分布、叉长与体质量(GW)的关系等进行了研究.结果表明:(1)雄性个体所占比例高于雌性个体,雌性与雄性个体的性别比例为1:2.39;(2)丝尾红钻鱼性腺成熟度以Ⅴ、Ⅵ级为主,Ⅴ级比例最高,占60.80%,其中分性别统计,雌性、雄性丝尾红钻鱼的性腺成熟度皆为Ⅴ级比例最高,分别为52.27%和65.24%,雌性丝尾红钻鱼中性腺成熟度Ⅵ级个体比例(30.68%)远高于雄性样本中性腺成熟度Ⅵ级个体比例(5.71%);(3)叉长分布基本上符合正态分布,优势叉长为683~803 mm,平均叉长为747 mm,在同一性腺成熟度时,雌性丝尾红钻鱼的平均叉长略大于雄性丝尾红钻鱼的平均叉长;(4)根据幂函数回归所得叉长(FL)与体质量(W)的关系式为W=9.439 0×10 6FL3 0817,其生长指数b值略大于太平洋海域丝尾红钻鱼种群的生长指数b值;(5)雌雄个体叉长与体质量关系式比较发现,在叉长小于897mm时,雄性个体的体质量大于雌性个体体质量.在叉长大于897mm时,则雌性个体体质量大于雄性个体体质量.

  13. THE COMPREHENSIVE ANALYSIS OF THE TURKISH ISLAMIC BANKING SYSTEM AND THE HUNGARIAN BANKING SYSTEM

    OpenAIRE

    Talos, Livia

    2016-01-01

    After the 2008 economic crisis, special attention was given to alternative financing techniques, and so to Islamic banks. During the crisis the stability of the Islamic banks was higher than the stability of the conventional banks.The major source of revenue of the conventional banks is interest and other income from speculative transactions, so a conventional bank can shows higher results than an Islamic bank. Islamic banks operate on religious principles, so many activities are forbidden to...

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

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

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

  15. Related Lending and Banking Development

    OpenAIRE

    CULL, Robert; Haber, Stephen; Imai, Masami

    2011-01-01

    Does related lending have positive or negative effects on the development of banking systems? We analyze a unique cross-country data set covering 74 countries from 1990 to 2007, and find that related lending, on average, does not have any effect on the growth of credit. We do find, however, that there are conditional relationships: related lending tends to retard the growth of banking systems when rule of law is weak, whereas it tends to promote the growth of banking systems when rule of law ...

  16. 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...

  17. Spatial Resolution in Scanning Electron Microscopy and Scanning Transmission Electron Microscopy Without a Specimen Vacuum Chamber.

    Science.gov (United States)

    Nguyen, Kayla X; Holtz, Megan E; Richmond-Decker, Justin; Muller, David A

    2016-08-01

    A long-standing goal of electron microscopy has been the high-resolution characterization of specimens in their native environment. However, electron optics require high vacuum to maintain an unscattered and focused probe, a challenge for specimens requiring atmospheric or liquid environments. Here, we use an electron-transparent window at the base of a scanning electron microscope's objective lens to separate column vacuum from the specimen, enabling imaging under ambient conditions, without a specimen vacuum chamber. We demonstrate in-air imaging of specimens at nanoscale resolution using backscattered scanning electron microscopy (airSEM) and scanning transmission electron microscopy. We explore resolution and contrast using Monte Carlo simulations and analytical models. We find that nanometer-scale resolution can be obtained at gas path lengths up to 400 μm, although contrast drops with increasing gas path length. As the electron-transparent window scatters considerably more than gas at our operating conditions, we observe that the densities and thicknesses of the electron-transparent window are the dominant limiting factors for image contrast at lower operating voltages. By enabling a variety of detector configurations, the airSEM is applicable to a wide range of environmental experiments including the imaging of hydrated biological specimens and in situ chemical and electrochemical processes.

  18. Increasing the efficiency of digitization workflows for herbarium specimens

    Directory of Open Access Journals (Sweden)

    Melissa Tulig

    2012-07-01

    Full Text Available The New York Botanical Garden Herbarium has been databasing and imaging its estimated 7.3 million plant specimens for the past 17 years. Due to the size of the collection, we have been selectively digitizing fundable subsets of specimens, making successive passes through the herbarium with each new grant. With this strategy, the average rate for databasing complete records has been 10 specimens per hour. With 1.3 million specimens databased, this effort has taken about 130,000 hours of staff time. At this rate, to complete the herbarium and digitize the remaining 6 million specimens, another 600,000 hours would be needed. Given the current biodiversity and economic crises, there is neither the time nor money to complete the collection at this rate.Through a combination of grants over the last few years, The New York Botanical Garden has been testing new protocols and tactics for increasing the rate of digitization through combinations of data collaboration, field book digitization, partial data entry and imaging, and optical character recognition (OCR of specimen images. With the launch of the National Science Foundation’s new Advancing Digitization of Biological Collections program, we hope to move forward with larger, more efficient digitization projects, capturing data from larger portions of the herbarium at a fraction of the cost and time.

  19. Assessment of viable bacteria and bacterial DNA in blood and bloodstain specimens stored under various conditions.

    Science.gov (United States)

    Hosokawa-Muto, Junji; Fujinami, Yoshihito; Mizuno, Natsuko

    2013-11-01

    Microbial forensic specimens that are collected at biocrime and bioterrorism scenes include blood, tissue, cloths containing biological fluids, swabs, water, soil, and aerosols. It is preferable that pathogens in such specimens are alive and kept in a steady state. Specimens may be stored for a prolonged period before analysis; therefore, it is important to understand the effect of the storage conditions on the pathogens contained within the specimens. In this study, we prepared blood and bloodstain specimens containing Gram-negative or -positive bacteria, stored the samples for 482 days under various conditions, and measured viable bacterial counts and total bacterial contents in the samples. Viable bacteria were preserved well in the samples stored at -30 and -80 °C, but were diminished or undetectable in the samples stored at 4 °C and room temperature. The total bacterial content was maintained in the blood samples stored at -30 and -80 °C and in the bloodstain samples stored under all temperature conditions, but decreased in the blood samples stored at 4 °C and room temperature. This study showed that the storage conditions affected viable bacteria and bacterial DNA and that freezing and drying were significant for their long-term storage. We provide important information for the storage of microbial forensic specimens.

  20. 75 FR 36089 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-24

    ... Corporation and thereby indirectly retain voting shares of Classic Bank, N.A., both of Cameron, Texas. Board... Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are... Board of Governors. Comments must be received not later than July 9, 2010. A. Federal Reserve Bank...

  1. 78 FR 41063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-09

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly...

  2. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Leland E. Boren; Leland E. Boren, IRA; Leland E. Boren as Co-Representative of the LaRita R. Boren...

  3. 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... Manna, Trustee; Mario John Manna's IRA Account; Claudia Brown Moore; Claudia Brown Moore's IRA...

  4. 76 FR 71344 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-17

    ... 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..., Pennsylvania. 2. W. Kirk Wycoff, Ira M. Lubert, and James J. Lynch, all of Philadelphia,...

  5. 76 FR 48862 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-08-09

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Financial Mangers, LLC; Ira M. Lubert; W. Kirk Wycoff; and James J. Lynch, all of Philadelphia,...

  6. 75 FR 30405 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-01

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... Hunter Ness Roth IRA, all of Yankton, South Dakota; Michael Forrest Ness, Sioux Falls, South...

  7. 76 FR 40365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-08

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the....; and Ira M. Lubert, W. Kirk Wycoff, and James J. Lynch, all of Philadelphia, Pennsylvania, to...

  8. 12 CFR 225.14 - Expedited action for certain bank acquisitions by well-run bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited action for certain bank acquisitions by well-run bank holding companies. 225.14 Section 225.14 Banks and Banking FEDERAL RESERVE SYSTEM... certain bank acquisitions by well-run bank holding companies. (a) Filing of notice—(1)...

  9. Islamic Banks and Financial Stability; An Empirical Analysis

    OpenAIRE

    Martin Cihak; Heiko Hesse

    2008-01-01

    The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 18 banking systems with a substantial presence of Islamic banking. We find that (i) small Islamic banks tend to be financially stronger than small commercial banks; (ii) large commercial banks tend to be financially stronger than large Islamic banks; and (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may refle...

  10. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings......The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...

  11. 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.

  12. 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 th

  13. 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...

  14. Customer Loyalty in Internet Banking

    Directory of Open Access Journals (Sweden)

    Y. Aysha Fathima

    2015-06-01

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

  15. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

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

  16. 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...

  17. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Bank konvensional dan syariah kurang lebih memiliki risiko sama. Oleh karena itu perlu pengamatan lebih lanjut untuk mengendalikan risiko likuiditas mereka. Studi ini mengkajipengaruh CAR, rasio profitabilitas, NIM, kesenjangan likuiditas, dan RLA milik risiko likuiditas di industri perbankan. Analisis statistik menyimpulkan bahwa terdapat pengaruh negatif dan signifikan dari CAR dan ROE terhadap risiko likuiditas pada bank konvensional, sementara ROA dan RLA berpengaruh positif dan signifikan. Dalam bank syariah, dampak positif dan signifikan dari NIM dan ROE terhadap variabel dependen, sedangkan kesenjangan likuiditas dan RLA memiliki pengaruh signifikan.DOI: 10.15408/aiq.v5i2.2565

  18. 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 inf

  19. Supervisory powers and bank risk taking

    NARCIS (Netherlands)

    Shehzad, Choudry Tanveer; De Haan, Jakob

    2015-01-01

    We examine the effect of different types of bank supervisory powers in place before the crisis on bank risk-taking during the crisis. We employ data of more than 8000 banks from high-income OECD countries for the 2007-2011 period and impaired loans to gross loans ratio as proxy for bank risk-taking.

  20. 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 sor

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

    Institute of Scientific and Technical Information of China (English)

    Sun Jin

    2010-01-01

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

  2. International taxation and cross-border banking

    NARCIS (Netherlands)

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

    2014-01-01

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

  3. 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.

  4. 26 CFR 1.581-1 - Banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Banks. 1.581-1 Section 1.581-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.581-1 Banks. (a) In order to be a bank as defined in section 581,...

  5. 29 CFR 1917.126 - River banks.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false River banks. 1917.126 Section 1917.126 Labor Regulations...) MARINE TERMINALS Terminal Facilities § 1917.126 River banks. (a) This section applies to temporary installations or temporary operations near a river bank. (b) Where working surfaces at river banks slope...

  6. 76 FR 10671 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-02-25

    ... proposal, retains this exception for banker's banks. A typical banker's bank provides liquidity and other... greater need to maintain liquidity to service its member banks. 6. Comments Several commenters addressed... implications for bank liquidity. The comments suggested that the FDIC provide a deduction for federal...

  7. NECESSITY TO DIMINISH THE GIANT BANKS

    Directory of Open Access Journals (Sweden)

    Alexandru GRIBINCEA

    2013-06-01

    Full Text Available The regulation of big banks has been in the spotlight for many reasons. Examining evidence for more than 80 countries for the years 1995-2009, banking systems are shown to be highly concentrated. In many cases, the banks are so big that bank-specific credit-growth fluctuations affect the macroeconomy.

  8. Size and support ratings of US banks

    NARCIS (Netherlands)

    Poghosyan, Tigran; Werger, Charlotte; de Haan, Jakob

    2016-01-01

    We examine whether Fitch support ratings of US banks depend on bank size. Using quarterly data for the period 2004:Q4 to 2012:Q4 and controlling for several factors that make large and small banks different, we find that bank size is positively related to support ratings. However, the effect is non-

  9. PREDICTING CUSTOMER CHURN IN BANKING INDUSTRY USING NEURAL NETWORKS

    Directory of Open Access Journals (Sweden)

    Alisa Bilal Zorić

    2016-03-01

    Full Text Available The aim of this article is to present a case study of usage of one of the data mining methods, neural network, in knowledge discovery from databases in the banking industry. Data mining is automated process of analysing, organization or grouping a large set of data from different perspectives and summarizing it into useful information using special algorithms. Data mining can help to resolve banking problems by finding some regularity, causality and correlation to business information which are not visible at first sight because they are hidden in large amounts of data. In this paper, we used one of the data mining methods, neural network, within the software package Alyuda NeuroInteligence to predict customer churn in bank. The focus on customer churn is to determinate the customers who are at risk of leaving and analysing whether those customers are worth retaining. Neural network is statistical learning model inspired by biological neural and it is used to estimate or approximate functions that can depend on a large number of inputs which are generally unknown. Although the method itself is complicated, there are tools that enable the use of neural networks without much prior knowledge of how they operate. The results show that clients who use more bank services (products are more loyal, so bank should focus on those clients who use less than three products, and offer them products according to their needs. Similar results are obtained for different network topologies.

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  12. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; Scher, Mark J.

    1999-01-01

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

  13. 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...

  14. Managing factoring in banking groups

    OpenAIRE

    2006-01-01

    On the market for factoring services independent suppliers coexhist with companies affiliated with banking groups. The last ones can be oriented in their decision processes by the policies of their parent company, usually a bank. They could also benefit from synergies among the different units of the group. The main benefits are linked to cost reduction, better skill-based resources allocation and a higher amount of financial coverage. If such interdependencies are found ...

  15. Bank Mergers, Competition and Liquidity

    OpenAIRE

    Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo

    2004-01-01

    We model the impact of bank mergers on loan competition, reserve holdings and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the dis...

  16. The East Anglian Eye Bank.

    Science.gov (United States)

    Knights, P

    1991-07-01

    The first Corneal Bank in East Anglia is located at the BUPA Hospital in Norwich, a joint venture between NHS, BUPA and the Lions Clubs International (District 101 EA). There was insufficient space to accommodate the Bank at the West Norwich Hospital where the Ophthalmic Department is situated and so, at the suggestion of the BUPA Hospital Manager, Mr Paul Hanke, It came to the BUPA Colney Lane site.

  17. An informatics model for tissue banks – Lessons learned from the Cooperative Prostate Cancer Tissue Resource

    Directory of Open Access Journals (Sweden)

    Melamed Jonathan

    2006-05-01

    Full Text Available Abstract Background Advances in molecular biology and growing requirements from biomarker validation studies have generated a need for tissue banks to provide quality-controlled tissue samples with standardized clinical annotation. The NCI Cooperative Prostate Cancer Tissue Resource (CPCTR is a distributed tissue bank that comprises four academic centers and provides thousands of clinically annotated prostate cancer specimens to researchers. Here we describe the CPCTR information management system architecture, common data element (CDE development, query interfaces, data curation, and quality control. Methods Data managers review the medical records to collect and continuously update information for the 145 clinical, pathological and inventorial CDEs that the Resource maintains for each case. An Access-based data entry tool provides de-identification and a standard communication mechanism between each group and a central CPCTR database. Standardized automated quality control audits have been implemented. Centrally, an Oracle database has web interfaces allowing multiple user-types, including the general public, to mine de-identified information from all of the sites with three levels of specificity and granularity as well as to request tissues through a formal letter of intent. Results Since July 2003, CPCTR has offered over 6,000 cases (38,000 blocks of highly characterized prostate cancer biospecimens, including several tissue microarrays (TMA. The Resource developed a website with interfaces for the general public as well as researchers and internal members. These user groups have utilized the web-tools for public query of summary data on the cases that were available, to prepare requests, and to receive tissues. As of December 2005, the Resource received over 130 tissue requests, of which 45 have been reviewed, approved and filled. Additionally, the Resource implemented the TMA Data Exchange Specification in its TMA program and created a

  18. CUSTOMERS CATEGORIES AND TYPES OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    DANIELA SIMONA DIMITRIU

    2012-01-01

    Full Text Available For a bank it is advantageous to have different types of clients because, as will receive deposits and provide loans for both business and individuals. The difference between the interest charged by banks and they are paid gross banking profit, following recovery, by the bank, business development potential offered by customers, resulting in advantages for both bank and customer. Customer benefits can be considered: the safety of deposits held at banks; interest received for them; that the money held in bank accounts can be returned at any time upon request; transfers of money to them, instead of wearing them large sums of cash.

  19. A bright and long-pulse illumination for ultrahigh-speed microscopy of living specimens.

    Science.gov (United States)

    Nakano, Hitoshi; Yokoi, Sayoko; Yoshida, Shigeru; Yamada, Makoto; Takeuchi, Takeshi; Takehara, Kosei; Etoh, T Goji

    2010-01-01

    Ultrahigh-speed microscopy of living specimens requires ultrabright illumination. Moreover, the duration of illumination should be sufficiently long, on the order of at least several tens of milliseconds, in order to investigate the dynamic state of living specimens. However, specimens are exposed to a high risk of damage by the intense illumination. The brightness and pulse duration of illumination have to be continuously controlled for use in the ultrahigh-speed microscopy of living specimens. Commercial or laboratory-made illumination systems do not satisfy the abovementioned requirements. In this paper, the development of a bright and long-pulse illumination system for ultrahigh-speed microscopy of living specimens is presented. A xenon flashlamp with an arc length of 1.5 mm has been used as the light source. The electrical power supply consists of a voltage-regulated circuit, a capacitor bank, and a control circuit including an insulated-gate bipolar transistor as a gating device, which provides a large rectangular current pulse with the duration in the range to the order of several tens of milliseconds. The brightness, pulse duration, and repetition rate can be easily and continuously controlled. The illumination developed in the present study is installed in an inverted fluorescence microscope equipped with a high-speed camera in order to evaluate the performance as an illumination source. A fluorescent image of the living spermatozoa of a mouse obtained at a frame rate of 8 kHz shows good contrast. Such an image cannot be obtained using a commercial illumination system.

  20. 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.

  1. Cash efficiency for bank branches.

    Science.gov (United States)

    Cabello, Julia García

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks' branches is also a relevant issue as any significant improvement in cash management at the bank distribution channels may have a positive effect in reducing liquidity tensions. In this paper, we propose a simple programme of cash efficiency for the banks' branches, very easy to implement, which conform to a set of instructions to be imposed from the bank to their branches. This model proves to significantly reduce cash holdings at branches thereby providing efficiency improvements in liquidity management. The methodology we propose is based on the definition of some stochastic processes combined with renewal processes, which capture the random elements of the cash flow, before applying suitable optimization programmes to all the costs involved in cash movements. The classical issue of the Transaction Demand for the Cash and some aspects of Inventory Theory are also present. Mathematics Subject Classification (2000) C02, C60, E50.

  2. 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 fo

  3. 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 1953-200

  4. 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

  5. Management of Financial and Banking Risk

    OpenAIRE

    Ion Gr. Ionescu

    2013-01-01

    It is certainly clear that a powerful banking strategy should include both software and bank risk management procedures that aim, in fact, minimize the likelihood of these risks and potential exposure of the bank. The main objective of these policies is to minimize losses or additional expenses incurred by the bank and central banking goal is to achieve a higher profit for shareholders. But not always these two objectives - the general and sector - are consistent. It may, in some cases, the c...

  6. Board Effectiveness in the European Banking Industry

    DEFF Research Database (Denmark)

    Busta, Ilduara; Hobdari, Bersant

    2015-01-01

    of the board and directors and financial performance in banking by allowing for separate behaviours under different institutional settings. Using a panel dataset of listed banks in France, Germany, Italy, Spain and the UK, we show that banks with higher presence of non-executives in their boards perform better...... in Continental Europe, while the opposite is the case in the UK. Bank size though does not seem to impact bank performance....

  7. Customer Satisfaction and Islamic Banking in Pakistan

    OpenAIRE

    Fouzia Ali; Hassan Raziq; Abdul Aleem; Shahrukh Latif; Arslan, M; 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...

  8. Optimal Bank Regulation and Monetary Policy

    OpenAIRE

    John J. Seater

    2000-01-01

    A unified model of monetary policy and bank regulation is presented. In accordance with modern banking theory, banks not only intermediate loans and deposits but also provide a financial service affecting aggregate output. Optimal parameter settings for monetary and regulatory policy are derived. New results are that monetary policy affects the expected level as well as the variance of output, bank regulation should change continually in response to the state of the economy, and bank regulati...

  9. Legal and actual central bank independence

    OpenAIRE

    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 1953-2008 and compares it with a new legal CBI indicator based on Cukierman (1992). The indicator of actual independence captures institutional and economic factors that affect CBI. We find that before 199...

  10. Enzymatic detection of formalin-fixed museum specimens for DNA analysis and enzymatic maceration of formalin-fixed specimens

    DEFF Research Database (Denmark)

    Sørensen, Margrethe; Redsted Rasmussen, Arne; Simonsen, Kim Pilkjær

    2016-01-01

    % ethanol. The method was subsequently tested on wild-living preserved specimens and an archived specimen. The protease enzyme used was SavinaseH 16 L, Type EX from Novozymes A/S. The enzymatic screening test demands only simple laboratory equipment. The method is useful for natural history collections...... in museums where DNA analyses of archived specimens are performed. Wasted time and resources can be avoided through the detection of formalin-fixed specimens because these specimens yield low-quality, damaged DNA. In addition to the screening method, it is shown that formalin-preserved specimens can...

  11. Reheating of zinc-titanate sintered specimens

    Directory of Open Access Journals (Sweden)

    Labus N.

    2015-01-01

    Full Text Available The scope of this work was observing dimensional and heat transfer changes in ZnTiO3 samples during heating in nitrogen and air atmosphere. Interactions of bulk specimens with gaseous surrounding induce microstructure changes during heating. Sintered ZnTiO3 nanopowder samples were submitted to subsequent heating. Dilatation curves and thermogravimetric with simultaneous differential thermal analysis TGA/DTA curves were recorded. Reheating was performed in air and nitrogen atmospheres. Reheated samples obtained at different characteristic temperatures in air were analyzed by X-ray diffraction (XRD. Microstructures obtained by scanning electron microscopy (SEM of reheated sintered samples are presented and compared. Reheating in a different atmosphere induced different microstructures. The goal was indicating possible causes leading to the microstructure changes. [Projekat Ministarstva nauke Republike Srbije, br. OI172057 i br. III45014

  12. In-line phase contrast micro-CT reconstruction for biomedical specimens.

    Science.gov (United States)

    Fu, Jian; Tan, Renbo

    2014-01-01

    X-ray phase contrast micro computed tomography (micro-CT) can non-destructively provide the internal structure information of soft tissues and low atomic number materials. It has become an invaluable analysis tool for biomedical specimens. Here an in-line phase contrast micro-CT reconstruction technique is reported, which consists of a projection extraction method and the conventional filter back-projection (FBP) reconstruction algorithm. The projection extraction is implemented by applying the Fourier transform to the forward projections of in-line phase contrast micro-CT. This work comprises a numerical study of the method and its experimental verification using a biomedical specimen dataset measured at an X-ray tube source micro-CT setup. The numerical and experimental results demonstrate that the presented technique can improve the imaging contrast of biomedical specimens. It will be of interest for a wide range of in-line phase contrast micro-CT applications in medicine and biology.

  13. A new specimen management system using RFID technology.

    Science.gov (United States)

    Shim, Hun; Uh, Young; Lee, Seung Hwan; Yoon, Young Ro

    2011-12-01

    The specimen management system with barcode needs to be improved in order to solve inherent problems in work performance. This study describes the application of Radio Frequency Identification (RFID) which is the solution for the problems associated with specimen labeling and management. A new specimen management system and architecture with RFID technology for clinical laboratory was designed. The suggested system was tested in various conditions such as durability to temperature and aspect of effective utilization of new work flow under a virtual hospital clinical laboratory environment. This system demonstrates its potential application in clinical laboratories for improving work flow and specimen management. The suggested specimen management system with RFID technology has advantages in comparison to the traditional specimen management system with barcode in the aspect of mass specimen processing, robust durability of temperature, humidity changes, and effective specimen tracking.

  14. Tensile test of dumbbell-shaped specimen in thickness direction

    Science.gov (United States)

    Iizuka, Takashi

    2016-10-01

    Sheet metal forming is widely used in manufacturing shops, and evaluation of forming limit for sheet metal is important. However, specimen shape influences on the fracture of the sheet metal. As one of methods to decrease these effects, an uniaxial tensile test using specimen dumbbell-shaped in thickness direction had been examined using FEM analysis. In this study, actually specimen dumbbell-shaped in thickness direction was fabricated using a new incremental sheet forging method, and uniaxial tensile test was conducted. Load-stroke diagram, fracture morphologies, stress-strain curves and shape after fracture were investigated, and effects of specimen shape were considered. Elongation was larger as using specimen dumbbell-shaped in the width direction. Stress-strain curves until necking occurred were less influenced by specimen shape. However, yield stress decreased and local elongation increased as using specimen dumbbell-shaped in the width direction. The reasons why these tendencies showed were considered in the view of specimen shapes.

  15. From Banking to International Governance: Fostering Innovation in Stem Cell Research

    Directory of Open Access Journals (Sweden)

    Rosario Isasi

    2011-01-01

    Full Text Available Stem cell banks are increasingly recognized as an essential resource of biological materials for both basic and translational stem cell research. By providing transnational access to quality controlled and ethically sourced stem cell lines, stem cell banks seek to foster international collaboration and innovation. However, given that national stem cell banks operate under different policy, regulatory and commercial frameworks, the transnational sharing of stem cell materials and data can be complicating. This paper will provide an overview of the most pressing challenges regarding the governance of stem cell banks, and the difficulties in designing regulatory and commercial frameworks that foster stem cell research. Moreover, the paper will shed light on the numerous international initiatives that have arisen to help harmonize and standardize stem cell banking and research processes to overcome such challenges.

  16. A Secured Hybrid Architecture Model for Internet Banking (e - Banking

    Directory of Open Access Journals (Sweden)

    Ganesan R

    2009-05-01

    Full Text Available Internet banking has made it easy to carry out the personal or business financial trans action without going to bank and at any suitable time. This facility enables to transfer money to other accounts and checking current balance alongside the status of any financial transaction made in the account. However, in order to maintain privacy and t o avoid any misuse of transactions, it is necessary to follow a secured architecture model which ensures the privacy and integrity of the transactions and provides confidence on internet banking is stable. In this research paper, a secured hybrid architect ure model for the internet banking using Hyperelliptic curve cryptosystem and MD5 is described. This hybrid model is implemented with the hyperelliptic curve cryptosystem and it performs the encryption and decryption processes in an efficient way merely wi th an 80 - bit key size. The various screen shots given in this contribution shows that the hybrid model which encompasses HECC and MD5 can be considered in the internet banking environment to enrich the privacy and integrity of the sensitive data transmitte d between the clients and the application server

  17. Elastic-plastic analysis of the SS-3 tensile specimen

    Energy Technology Data Exchange (ETDEWEB)

    Majumdar, S. [Argonne National Lab., IL (United States)

    1998-09-01

    Tensile tests of most irradiated specimens of vanadium alloys are conducted using the miniature SS-3 specimen which is not ASTM approved. Detailed elastic-plastic finite element analysis of the specimen was conducted to show that, as long as the ultimate to yield strength ratio is less than or equal to 1.25 (which is satisfied by many irradiated materials), the stress-plastic strain curve obtained by using such a specimen is representative of the true material behavior.

  18. The type specimen of Anoura geoffroyi lasiopyga (Chiroptera: Phyllostomidae)

    Science.gov (United States)

    Arroyo-Cabrales, Joaquin; Gardner, A.L.

    2003-01-01

    In 1868, Wilhelm Peters described Glossonycteris lasiopyga, based on a specimen provided by Henri de Saussure and collected in Mexico. The type specimen was presumed to be among those housed in the collections of the Zoologisches Museum of the Humboldt Universitat in Berlin, Germany. Our study of one of Saussure?s specimens from Mexico, discovered in the collections of the Museum d?Histoire Naturelle, Geneva, Switzerland, demonstrates that it and not one of the Berlin specimens is the holotype.

  19. Drone Transport of Microbes in Blood and Sputum Laboratory Specimens.

    Science.gov (United States)

    Amukele, Timothy K; Street, Jeff; Carroll, Karen; Miller, Heather; Zhang, Sean X

    2016-10-01

    Unmanned aerial vehicles (UAVs) could potentially be used to transport microbiological specimens. To examine the impact of UAVs on microbiological specimens, blood and sputum culture specimens were seeded with usual pathogens and flown in a UAV for 30 ± 2 min. Times to recovery, colony counts, morphologies, and matrix-assisted laser desorption ionization-time of flight mass spectrometry (MALDI-TOF MS)-based identifications of the flown and stationary specimens were similar for all microbes studied.

  20. IR Spectrum Data Bank System

    Institute of Scientific and Technical Information of China (English)

    Xie Dilin

    2004-01-01

    The infrared spectra of pure compounds of ninety thousands, poly compounds of twelve thousand, drugs of one thousand were included in the data bank. All of them can be searched out according to their serial number, chemical name, commercial name, amount of each atoms, or molecular formula, as well as their spectrum peak appearances. Program for spectrum information inputting, program for spectrum information search and program for spectrum peak appearance search were included in the system; in addition, spectrum information data bank, spectrum peak code data bank and spectrum figure data bank were attached to the system. System program was written by Visial Basic, and run under Windows system. The spectrum information data bank and spectrum figure data bank were administrated by Microsoft Access.The program for spectrum message inputting can be used to add message data and spectrum figure of some new compounds into the data banks by users themselves. The program for spectrum message search was designed to find out all the message data and spectrum figure of interested compound according to someone of the message data. The program for spectrum peak search was designed to find out some spectra most similar in peak shape with unknown spectrum by peak to peak comparison. When the wavenumbers and transmittances of main peaks in the spectrum of unknown sample were entered, the spectrum peak search was performed and several hits with higher similarity were reported including their similarity scores, spectrum serial numbers, sample's states,melt points, molecular formulas as well as spectrum images. If the search result was not satisfactory,some methods to modify spectrum parameters were reminded and search was performed again.

  1. Impact of Foreign Bank Entry on the Performance of Chinese Banks

    Institute of Scientific and Technical Information of China (English)

    Chung-Hua Shen; Chin-Hwa Lu; Meng-Wen Wu

    2009-01-01

    This study investigates how foreign bank/investor penetrations influence local bank performance in China. At the country level, foreign bank penetration is proxied by MacroFP, measured by the percentage of banks with foreign strategic investors (FSI) among total banks. At the bank level, foreign bank penetration is proxied by MicroFP, measured by the percentage shareholding of FSI in a bank. When foreign bank penetration is proxied by MacroFP, it is found to improve the profitability of local banks but not to reduce costs. Next, when foreign bank penetration is proxied by MicroFP, it is found to affect neither profitability nor costa. In sum, the present study demonstrates that the opening-up policy is correct from a macro perspective. However, for banks that have introduced FSI, determining the reasona for improvements in performance being inhibited is more important than releasing more shares to foreign investors.

  2. Adaptation of Museum Specimens for Use in Anatomical Teaching Aids

    Science.gov (United States)

    Harris, P. F.; And Others

    1977-01-01

    Color transparencies are prepared of a re-colored anatomical specimen after placing labels temporarily in position to indicate specific structures. The specimen is also radiographed to show skeletal and soft tissue structures. Cross-reference among the specimen, photographs, and radiographs is supplemented by examination and self-assessment…

  3. The CAS Bio-specimen Centers in Sound Progress

    Institute of Scientific and Technical Information of China (English)

    LI Liangqian; QIAO Gexia; YAO Yijian

    2010-01-01

    @@ Bio-specimen centers, including herbaria and zoological museums, are the most integrated places for the storage of specimens, which are real samples and the most important vouchers for taxonomic and biodiversity studies.The information carried by the specimens is of substantial reference for research on species distribution, history, status, phylogeny and evolution, etc.

  4. 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...

  5. 12 CFR 7.1002 - National bank acting as finder.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank acting as finder. 7.1002 Section... OPERATIONS Bank Powers § 7.1002 National bank acting as finder. (a) General. It is part of the business of banking under 12 U.S.C. 24(Seventh) for a national bank to act as a finder, bringing together...

  6. 12 CFR 950.8 - Banks as secured creditors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Banks as secured creditors. 950.8 Section 950.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.8 Banks as secured creditors. (a) Except as provided...

  7. 12 CFR 614.4020 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4020 Section 614.4020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4020 Banks for cooperatives. (a) Banks for cooperatives are authorized to...

  8. 12 CFR 25.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Public notice by banks. 25.44 Section 25.44 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY COMMUNITY REINVESTMENT ACT AND... Public notice by banks. A bank shall provide in the public lobby of its main office and each of...

  9. 12 CFR 229.55 - Expedited recredit for banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited recredit for banks. 229.55 Section 229.55 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... Expedited recredit for banks. (a) Circumstances giving rise to a claim. A bank that has an indemnity...

  10. 12 CFR 228.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Public notice by banks. 228.44 Section 228.44 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM... notice by banks. A bank shall provide in the public lobby of its main office and each of its branches...

  11. 12 CFR 614.4355 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4355 Section 614.4355 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4355 Banks for cooperatives. No bank for cooperatives may make a loan...

  12. Flashes from the Past: Establishment of the Bulgarian national Bank as Central bank of Bulgaria

    OpenAIRE

    Bojinov, Bojidar

    2015-01-01

    The study aims to outline the specifics related with the emergence and development of central banking in Bulgaria. Established in 1879 as an ordinary commercial bank, Bulgarian National Bank experienced a number of ups and downs in its 130 year history. In its evolutionary development, it became a central issue and Bank of Bulgaria in 1928. In the years of socialism, Bulgarian National Bank is experiencing its devolution development to become in the period 1971-1982 in the only bank in count...

  13. 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.

  14. Tumour banking: the Spanish design.

    Science.gov (United States)

    Morente, M M; de Alava, E; Fernandez, P L

    2007-01-01

    In the last decade the technical advances in high throughput techniques to analyze DNA, RNA and proteins have had a potential major impact on prevention, diagnosis, prognosis and treatment of many human diseases. Key pieces in this process, mainly thinking about the future, are tumour banks and tumour bank networks. To face these challenges, diverse suitable models and designs can be developed. The current article presents the development of a nationwide design of tumour banks in Spain based on a network of networks, specially focusing on its harmonization efforts mainly regarding technical procedures, ethical requirements, unified quality control policy and unique sample identification. We also describe our most important goals for the next years. This model does not correspond to a central tumour bank, but to a cooperative and coordinated network of national and regional networks. Independently from the network in which it is included, sample collections reside in their original institution, where it can be used for further clinical diagnosis, teaching and research activities of each independent hospital. The herein described 'network of networks' functional model could be useful for other countries and/or international tumour bank activities.

  15. Standardization in biological staining. The influence of dye manufacturing

    DEFF Research Database (Denmark)

    Lyon, H

    2000-01-01

    The purpose of biological staining is to obtain specimens of biological material that can be assessed in the microscope. These specimens are influenced by all processes from removal from the intact organism to mounting on the microscopic slide. To achieve comparable results with various technique...

  16. Indian Banking Industry: Challenges And Opportunities

    Directory of Open Access Journals (Sweden)

    Dr. Krishna A. Goyal

    2012-02-01

    Full Text Available The banking industry in India has a huge canvas of history, which covers the traditional bankingpractices from the time of Britishers to the reforms period, nationalization to privatization of banksand now increasing numbers of foreign banks in India. Therefore, Banking in India has beenthrough a long journey. Banking industry in India has also achieved a new height with thechanging times. The use of technology has brought a revolution in the working style of the banks.Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people onthe institution remain the same. The majority of the banks are still successful in keeping with theconfidence of the shareholders as well as other stakeholders. However, with the changingdynamics of banking business brings new kind of risk exposure.In this paper an attempt has been made to identify the general sentiments, challenges andopportunities for the Indian Banking Industry. This article is divided in three parts. First partincludes the introduction and general scenario of Indian banking industry. The second partdiscusses the various challenges and opportunities faced by Indian banking industry. Third partconcludes that urgent emphasis is required on the Indian banking product and marketingstrategies in order to get sustainable competitive edge over the intense competition from nationaland global banks.This article is a small seed to existing branch of knowledge in banking industry and is useful forbankers, strategist, policy makers and researchers.

  17. Effectiveness of saliva and fingerprints as alternative specimens to urine and blood in forensic drug testing.

    Science.gov (United States)

    Kuwayama, Kenji; Miyaguchi, Hajime; Yamamuro, Tadashi; Tsujikawa, Kenji; Kanamori, Tatsuyuki; Iwata, Yuko T; Inoue, Hiroyuki

    2016-07-01

    In forensic drug testing, it is important to immediately take biological specimens from suspects and victims to prove their drug intake. We evaluated the effectiveness of saliva and fingerprints as alternative specimens to urine and blood in terms of ease of sampling, drug detection sensitivity, and drug detection periods for each specimen type. After four commercially available pharmaceutical products were administered to healthy subjects, each in a single dose, their urine, blood, saliva, and fingerprints were taken at predetermined sampling times over approximately four weeks. Fourteen analytes (the administered drugs and their main metabolites) were extracted from each specimen using simple pretreatments, such as dilution and deproteinization, and were analyzed using liquid chromatography/mass spectrometry (LC/MS). Most of the analytes were detected in saliva and fingerprints, as well as in urine and blood. The time-courses of drug concentrations were similar between urine and fingerprints, and between blood and saliva. Compared to the other compounds, the acidic compounds, for example ibuprofen, acetylsalicylic acid, were more difficult to detect in all specimens. Acetaminophen, dihydrocodeine, and methylephedrine were detected in fingerprints at later sampling times than in urine. However, a relationship between the drug structures and their detection periods in each specimen was not found. Saliva and fingerprints could be easily sampled on site without using special techniques or facilities. In addition, fingerprints could be immediately analyzed after simple and rapid treatment. In cases where it would be difficult to immediately obtain urine and blood, saliva and fingerprints could be effective alternative specimens for drug testing. Copyright © 2015 John Wiley & Sons, Ltd.

  18. A simple cryo-holder facilitates specimen observation under a conventional scanning electron microscope.

    Science.gov (United States)

    Tang, Chih-Yuan; Huang, Rong-Nan; Kuo-Huang, Ling-Long; Kuo, Tai-Chih; Yang, Ya-Yun; Lin, Ching-Yeh; Jane, Wann-Neng; Chen, Shiang-Jiuun

    2012-02-01

    A pre-cryogenic holder (cryo-holder) facilitating cryo-specimen observation under a conventional scanning electron microscope (SEM) is described. This cryo-holder includes a specimen-holding unit (the stub) and a cryogenic energy-storing unit (a composite of three cylinders assembled with a screw). After cooling, the cryo-holder can continue supplying cryogenic energy to extend the observation time for the specimen in a conventional SEM. Moreover, the cryogenic energy-storing unit could retain appropriate liquid nitrogen that can evaporate to prevent frost deposition on the surface of the specimen. This device is proved feasible for various tissues and cells, and can be applied to the fields of both biology and material science. We have employed this novel cryo-holder for observation of yeast cells, trichome, and epidermal cells in the leaf of Arabidopsis thaliana, compound eyes of insects, red blood cells, filiform papillae on the surface of rat tongue, agar medium, water molecules, penicillium, etc. All results suggested that the newly designed cryo-holder is applicable for cryo-specimen observation under a conventional SEM without cooling system. Most importantly, the design of this cryo-holder is simple and easy to operate and could adapt a conventional SEM to a plain type cryo-SEM affordable for most laboratories.

  19. Ophiomusium acuferum (Ophiolepididae and Ophiomisidium pulchellum (Ophiuridae (Ophiuroidea: Echinodermata, redescription based on the Brazilian specimens

    Directory of Open Access Journals (Sweden)

    Michela Borges

    2011-04-01

    Full Text Available Ophiomusium (Ophiolepididae and Ophiomisidium (Ophiuridae are similar, but differ in features such as size of the adult, number of disc dorsal plates, length of the arms, shape of the first ventral arm plates and number of the tentacle. In this contribution, a large number of specimens of Ophiomusium acuferum Lyman, 1869 and Ophiomisidium pulchellum (Wyville Thomson, 1878 were sampled from southeastern and southern Brazilian at depths ranging from 46 to 1300 m. A close analysis has shown that specimens identified as Ophiomisidium pulchellum (C.W. Thomson, 1877 in several Brazilian museums are actually Ophiomusium acuferum Lyman, 1875. A total of 2330 individuals were examined: 2046 specimens of Ophiomusium acuferum ('Evaluation of the sustainable potential of living resources from the Brazilian Economic Exclusive Zone/Score South - Benthos' - REVIZEE; 'Rational usage of coastal ecosystems from the Brazilian Tropical Region: São Paulo State - Integrated Project/Subproject Benthos' - INTEGRADO; and the MD55/Brazil and 284 of Ophiomisidium pulchellum (MD55/Brazil. The disc diameter of each individual was measured and the specimens were digitally photographed. The samples studied are deposited in the Museum of Zoology of the University of Campinas and Institute of Biology at the Federal University of Rio de Janeiro. The specimens from the MD55 are deposited at the Paris Museum National d'Histoire Naturelle. An identification key to these species is provided here. A detailed morphological analysis and redescription of both species, comparisons, and their geographic distribution in Brazil are discussed.

  20. Conparison of Earnings Power between State Commercial Banks and Stock Banks

    Institute of Scientific and Technical Information of China (English)

    顾晓敏; 朱赟赟

    2004-01-01

    As earnings power is one of the primary capacities for commercial banks, by analyzing several indexes on banks'operation performance, this article compared the earnings power between the state banks and the stock banks in China. Through the analysis, some problems of domestic banks may be found and pointed out that the commercial bank should stress on the target of profit maximum to avoid the financial risks. With enough earnings power, the domestic banks can take the challenge with those foreign banks entering domestic money market.

  1. 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.

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

    Science.gov (United States)

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

    2007-01-01

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

  3. Instrumented impact testing machine with reduced specimen oscillation effects

    Science.gov (United States)

    Rintamaa, R.; Ranka, K.; Wallin, K.; Ikonen, K.; Talja, H.; Kotilainen, H.; Sirkkola, E.

    1984-07-01

    A pendulum-type instrumented Charpy test apparatus based on inverted test geometry was developed. Geometry inversion reduces inertia load and specimen oscillation effects. Initial impact energy is double that of standard (300 J) impact testers, allowing the use of larger (10 x 20 x 110 mm) bend specimens than normal Charpy specimens. The rotation axis in the three point bending is nearly stationary, making COD-measurements possible. Inertia effects and specimen oscillations are compared with the conventional tester, and using an analytical finite element model for Charpy V-notch specimens. Better performance for the inverted geometry is reported.

  4. Apparatus and method for magnetically processing a specimen

    Science.gov (United States)

    Ludtka, Gerard M; Ludtka, Gail M; Wilgen, John B; Kisner, Roger A; Jaramillo, Roger A

    2013-09-03

    An apparatus for magnetically processing a specimen that couples high field strength magnetic fields with the magnetocaloric effect includes a high field strength magnet capable of generating a magnetic field of at least 1 Tesla and a magnetocaloric insert disposed within a bore of the high field strength magnet. A method for magnetically processing a specimen includes positioning a specimen adjacent to a magnetocaloric insert within a bore of a magnet and applying a high field strength magnetic field of at least 1 Tesla to the specimen and to the magnetocaloric insert. The temperature of the specimen changes during the application of the high field strength magnetic field due to the magnetocaloric effect.

  5. A general mixed mode fracture mechanics test specimen: The DCB-specimen loaded with uneven bending moments

    DEFF Research Database (Denmark)

    Sørensen, Bent F.; Jørgensen, K.; Jacobsen, T.K.;

    2004-01-01

    A mixed mode specimen is proposed for fracture mechanics characterisation of adhesive joints, laminates and multilayers. The specimen is a double cantilever beam specimen loaded with uneven bending moments at the two free beams. By varying the ratiobetween the two applied moments, the full mode...

  6. 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,...

  7. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

    .... Westbury Bank West Bend...... Wisconsin. Federal Home Loan Bank of Des Moines--District 8 Atkins Savings Bank & Trust.. Atkins......... Iowa. First State Bank Sumner......... Iowa. Northwestern Bank...

  8. Brain banks as key part of biochemical and molecular studies on cerebral cortex involvement in Parkinson's disease.

    Science.gov (United States)

    Ravid, Rivka; Ferrer, Isidro

    2012-04-01

    Exciting developments in basic and clinical neuroscience and recent progress in the field of Parkinson's disease (PD) are partly a result of the availability of human specimens obtained through brain banks. These banks have optimized the methodological, managerial and organizational procedures; standard operating procedures; and ethical, legal and social issues, including the code of conduct for 21st Century brain banking and novel protocols. The present minireview focuses on current brain banking organization and management, as well as the likely future direction of the brain banking field. We emphasize the potentials and pitfalls when using high-quality specimens of the human central nervous system for advancing PD research. PD is a generalized disease in which α-synuclein is not a unique component but, instead, is only one of the players accounting for the complex impairment of biochemical/molecular processes involved in metabolic pathways. This is particularly important in the cerebral cortex, where altered cognition has a complex neurochemical substrate. Mitochondria and energy metabolism impairment, abnormal RNA, microRNA, protein synthesis, post-translational protein modifications and alterations in the lipid composition of membranes and lipid rafts are part of these complementary factors. We have to be alert to the possible pitfalls of each specimen and its suitability for a particular study. Not all samples qualify for the study of DNA, RNA, proteins, post-translational modifications, lipids and metabolomes, although the use of carefully selected samples and appropriate methods minimizes pitfalls and errors and guarantees high-quality reserach.

  9. 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...

  10. Analisis Yuridis Terhadap Pemberian Kredit Jangka Pendek Melalui Kewenangan Bank Indonesia Terhadap Bank-Bank Bermasalah Dalam Pembayaran Kredit (Studi Terhadap Kasus Bank Century)

    OpenAIRE

    Pasaribu, Andreas Dimpos

    2012-01-01

    Bank Indonesia as the central bank has the authority issued a policy in the short-term loans to rescue troubled banks. Bank Indonesia may provide funds to banks experiencing liquidity problems through the Short Term Funding Facility (FPJP) in the form of credit to cope with short-term financial problems to be resolved because if not addressed will affect systemic. The problems discussed in this study were: first, how is the setting of short-term financing facility in the banking system in ...

  11. THEORETICAL CONCEPTS ON BANK OF FUTURE

    OpenAIRE

    2013-01-01

    Bank of the future has become the subject of scientific polemics in economic domain. Bank of the future - it is a bank with a set of unique technologies that allow customers to perform financial transactions from anywhere, at any time of day and any day of the week, quickly, effectively and safely. The establishment of this type of bank will take place through the formation in accordance with the design of “Bank 2.0” conception and training to “Bank 3.0”. This will lead to quantitative and qu...

  12. Automated serial extraction of DNA and RNA from biobanked tissue specimens

    OpenAIRE

    Mathot, Lucy; Wallin, Monica; Sjöblom, Tobias

    2013-01-01

    Background: With increasing biobanking of biological samples, methods for large scale extraction of nucleic acids are in demand. The lack of such techniques designed for extraction from tissues results in a bottleneck in downstream genetic analyses, particularly in the field of cancer research. We have developed an automated procedure for tissue homogenization and extraction of DNA and RNA into separate fractions from the same frozen tissue specimen. A purpose developed magnetic bead based te...

  13. Evaluation of hybrid composite materials in cylindrical specimen geometries

    Science.gov (United States)

    Liber, T.; Daniel, I. M.

    1976-01-01

    Static and fatigue properties of three composite materials and hybrids were examined. The materials investigated were graphite/epoxy, S-glass/epoxy, PRD-49 (Kevlar 49)/epoxy, and hybrids in angle-ply configurations. A new type of edgeless cylindrical specimen was developed. It is a flattened tube with two flat sides connected by curved sections and it is handled much like the standard flat coupon. Special specimen fabrication, tabbing, and tab region reinforcing techniques were developed. Axial modulus, Poisson's ratio, strength, and ultimate strain were obtained under static loading from flattened tube specimens of nine laminate configurations. In the case of graphite/epoxy the tubular specimens appeared to yield somewhat higher strength and ultimate strain values than flat specimens. Tensile fatigue tests were conducted with all nine types of specimens and S-N curves obtained. Specimens surviving 10 million cycles of tensile loading were subsequently tested statically to failure to determine residual properties.

  14. Adequacy of urine cytology specimens: an assessment of collection techniques.

    Science.gov (United States)

    Hundley, Andrew F; Maygarden, Susan; Wu, Jennifer M; Visco, Anthony G; Connolly, AnnaMarie

    2007-09-01

    The objective of this study was to determine whether the method of urine collection impacts the adequacy and cell counts of cytology specimens in a low-risk population. Voided, post-cystometrogram (CMG), and bladder irrigant specimens were collected and evaluated for cytologic adequacy and average cell count by a single cytopathologist masked to the source of each sample. Data were analyzed to detect differences in specimen adequacy and cell counts based on method of collection. Both the voided and post-CMG specimens (97.3%, 93.7% respectively) were significantly more likely to be adequate compared to the bladder irrigant specimen (11.7%, p urine dipstick (p = 0.03). No cytologic abnormalities were diagnosed. Whereas both spontaneously voided and post-CMG specimens were consistently adequate for interpretation, spontaneous voided specimens were optimal with regard to maximizing cell count/hpf.

  15. Recording and submitting specimen history data

    Science.gov (United States)

    Bodenstein, Barbara L.; Franson, J. Christian; Friend, Milton; Gibbs, Samantha E.J.; Wild, Margaret A.

    2016-06-14

    SummaryIn wildlife disease investigations, determining the history or background of a problem is the first significant step toward establishing a diagnosis and aiding agencies with management considerations. The diagnostic process and overall investigation is often greatly expedited by a chronological record accompanying specimens submitted for laboratory evaluation. Knowing where and when the outbreak is taking place, what the environmental conditions and species involved are, and clinical signs in sick animals, along with necropsy findings and diagnostic test results are important for understanding the natural history or epizootiology of disease outbreaks. It becomes increasingly difficult to retrospectively obtain all of the pertinent history as time passes. The most helpful information is that which is obtained at the time of the die-off event by perceptive field biologists and other observers. Significant events preceding morbidity and/or mortality also provide valuable information on which to base corrective actions. In this chapter, readers will find information regarding what type of information should be recorded, how it should be recorded and why it is relevant to a disease investigation. A thoughtful approach in providing as much information as possible surrounding the situation including about host species and the biotic and abiotic environment, greatly aids in determining the most likely causative agent(s).

  16. The World Bank and poverty.

    Science.gov (United States)

    Lipton, M; Shakow, A

    1982-06-01

    During the 1970s it was World Bank policy to use its funds to raise the productivity and living standards of the poor. It has increased its lending for sector and subsectors considered to offer the most direct benefits to the poor such as rural development, population, health, and nutrition. Projects with particular emphasis on poverty have benefitted large numbers of poor people and have had good economic rates of return. Lending for rural projects increased in the 1970s from US$2.6 billion in 1969-73 to over US$13 billion in 1978-81; rural development projects audited in 1979 benfitted 660 small farmers for every US$1 million loaned compared with 47 farmers/US$1 million in other agricultural projects. Some problems are: 1) low-risk technical packages appropriate for poor farmers in semi-arid rainfed areas are not readily available; 2) the Bank's rural development strategy seeks mainly to raise the production of small farms, but other aspects need to be emphasized; 3) domestic pricing and postharvest policies often undermine the success of projects aimed at the rural poor; and 4) success in rural development often rests on sociological and cultural factors, difficult areas that deserve more attention. For urban areas the Bank has strongly endorsed providing "sites and sources" instead of structures; since 1972, 52 Bank projects centered on urban shelter involving US$1.6 billion have been undertaken. Cost recovery is established at 66-95%. About 5% of Bank lending is for education and despite the importance of population, health, and nutrition, these areas absorb less than 1% of the Bank's total lending program. Only US$400 million in population loans were made to 13 countries in the 1970s and only recently have separate health projects been started. Emphasis for the 1980s must be on rural development, urban shelter, primary education, health, education, and population.

  17. 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...

  18. Population and the World Bank.

    Science.gov (United States)

    Sankaran, S

    1973-12-01

    The World Bank Group regards excessive population growth as the single greatest obstacle to economic and social advance in the underdeveloped world. Since 1969 the Bank and the International Development Agency have provided countries with technical assistance through education, fact-finding, and analysis and given 65.7 million dollars for population projects. These projects, in India, Indonesia, Iran, Jamaica, and Malaysia provide training centers, population education, research, and evaluation as well as actual construction of clinics and mobile units. Because population planning touches sensitive areas of religion, caste, race, morality, and politics, the involved nation's political commitment to plan population growth is critical to the success of any program.

  19. Utopian Narratives of I. Banks

    Directory of Open Access Journals (Sweden)

    Novikova V. G.

    2013-01-01

    Full Text Available In the article art forms of utopian ideas embodiment in the novels of the Scottish writer I. Banks are considered. Utopian narratives are found both in the science-fiction cycle devoted to the civilization of Culture and in the novel "Business". Art modeling of the fundamental strategies of the society development characteristic for the New time, reveals their internal inconsistencies. Preindustrial, patriarchal living forms are offered instead. Novels by I. Banks visually demonstrate the feature of modern public consciousness and the absence of ideal future representations. In the article fantastic and realistic I. Banks’ novels are compared from the point of this utopian ideal.

  20. Remuneration in European Commercial Banks

    Directory of Open Access Journals (Sweden)

    József Tóth

    2016-04-01

    Full Text Available According to the new rules to be applied in the European Union, data on compensation of material risk takers are to be disclosed from year 2014. This paper overviews the different expectations regarding remuneration of bank managers highlighting the requirements of European Parliament and Council. Furthermore, it analyses data of 18 European banks disclosed based on the new lawful requirements. Based on empirical study it proves there is correlation between number of material risk takers and value of total assets. However this correlation is not too strong.

  1. 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.

  2. 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.

  3. Fundamental Technical Elements of Freeze-fracture/Freeze-etch in Biological Electron Microscopy

    Science.gov (United States)

    Freeze-fracture/freeze-etch describes a process whereby specimens, typically biological or nanomaterial in nature, are frozen, fractured, and replicated to generate a carbon/platinum "cast" intended for examination by transmission electron microscopy. Specimens are subjected to u...

  4. Assessment of Correspondent Banks Case Study

    Directory of Open Access Journals (Sweden)

    Abeer F.A.A. Abbadi

    2011-01-01

    Full Text Available Problem statement: This study aims at evaluating corresponding banks in Jordan. Characterizing the goals, instruments and profitability under unfavorable conditions of financial setbacks and unfair competition among banks. Focuses on the feasibility and profitability of Philadelphia Investment Bank in its international trade via its Correspondent banks. Approach: Problems and setbacks shall be screened out; reasoned and appropriate optimal recommendations are to be presented. Results: The study followed the analytical approach and depended on “History Documents” and “In depth Interview” techniques and puts a major emphasis on the fact that correspondent banking has become an essential cornerstone of international business amid the new era of world trade, globalization, external competition and cartels from the major opponents to Jordanian Banks, the main conclusion is realized the importance of correspondent banks in the international trade, so Philadelphia bank benefited from correspondent banks for the cheap cost of market entry and services were tailored to the scale of required locale. But there was no big investment in staff facilities. And there are setbacks in dealing with correspondent banks, such as fund delay in reaching destinations on time. Moreover, Jordanian banks have suffered in general from these correspondent banks because they deal with these correspondent banks individually. Conclusion/Recommendations: The recommendation of the study is, it is the time to consider solidification and forming one financial block, or a sort of cartel and face these correspondent banks in one unit. They are also called for developing collective strategies. Small banks should merge and form huge capital blocks. Another strategy is that Jordanian banks should minimize the reliance on foreign banks and should develop their own, by establishing international branches abroad to help financing their international activities.

  5. PROSPECTS OF ISLAMIC BANKING: REFLECTIONS FROM PAKISTAN

    Directory of Open Access Journals (Sweden)

    Muhammad Akram

    2011-06-01

    Full Text Available This study examines the growth and development phases as well as prospects of Islamic banking in Pakistan. The role of Islamic banking is explained with special regards to corporate social responsibility (CSR as now days this concept is growing vastly. Awareness in public also has been growing and people are moving towards Islamic banking system. As we live in a Muslim country so it is very essential to have some basic knowledge about the Islamic banking. In this paper growth and performance of Islamic banking is discussed and compared among the financial years from 2003 to 2010 in terms of growth parameters like assets, deposits, sources and uses of funds. The performance indicators are also discussed to evaluate the growth and performance of Islamic banking system. In the last eight years, Islamic banking paved with the rapid market share of banking services. Moreover the efforts made by the central bank in Pakistan (SBP are also remarkable in growth of Islamic banking. By seeing the present growth of Islamic banking, it is anticipated that in near future, Islamic banking with get major share in banking industry in Pakistan.

  6. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

    ... Bank Valrico Florida Grand Bank & Trust of Florida West Palm Beach Florida The Perkins State Bank... Rockland Massachusetts South Coastal Bank Rockland Massachusetts The Cooperative Bank Roslindale... Delmarva Seaford Delaware First Southern Bank Boca Raton Florida Platinum Bank Brandon Florida...

  7. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to voting shares of Anchor Commercial...

  8. 76 FR 66719 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-10-27

    ... From the Federal Register Online via the Government Publishing Office ] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to acquire additional voting shares of...

  9. 76 FR 17521 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-03-30

    ... 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation (FDIC... Register of February 25, 2011 (76 FR 10672), regarding Assessments, Large Bank Pricing. This...

  10. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the

  11. Competing for Private Banking Pie in China

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ China's private banking: A big piece of the pie PricewaterhouseCoopers (PWC) released a report on the global private banking sector in 2007 after top executives from 265 companies in 43 countries answered responded to a questionnaire.

  12. 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.

  13. Specific Features of Internal Audit in Banks

    Directory of Open Access Journals (Sweden)

    Ivo Mijoč

    2011-12-01

    Full Text Available The aim of the paper is to investigate internal audit in Croatian banks and to point to its more efficient implementation. The paper provides an explanation of key terms related to internal audit in banks, defining audit, types of audit as well as its objectives and roles. In addition to specific properties of the banking system, implementation of internal audit in banks is explained as well. The year 2005 is significant due to the adoption of the Bank Act which is primarily based on provisions of BIS (Banking Information System. The Act has brought about significant changes in the concept of internal audit in banks. The general message of this paper is that internal audit, being a relatively young profession, is marked by accelerated growth, and Croatian banks should adapt their business accordingly.

  14. 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.

  15. 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. 

  16. 高校建立生物多样性标本馆的意义%The significance of biodiversity specimen museum in university

    Institute of Scientific and Technical Information of China (English)

    黄晓红

    2011-01-01

    Biodiversity specimen museum is a species gene bank,it is of importance for education and scientific research.Student's study initiative will be accelerated and thus general quality will be improved if the biodiversity specimen museum's function was fully exerted.%生物多样性标本馆可以作为物种的基因库,有利于教学科研和科普工作。充分利用它,能激发学生兴趣,促进学生自主学习能力,提高学生能够综合素质。

  17. Systems for Guaranteeing Bank Deposits

    OpenAIRE

    Florin Untaru

    2013-01-01

    The advent of the financial crisis and the latest event that occurred in Cyprus bring new light to how states intervene when commercial banks are facing the risk of bankruptcy. While until now institutions had a clear traditional role to protect depositors, currently there is a trend to transfer damage to companies and individuals that hold deposits.

  18. 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 r

  19. Essays on competition in banking

    NARCIS (Netherlands)

    van Boxtel, A.A.

    2015-01-01

    This thesis consists of three chapters of a theoretical nature, all related to the topic of competition in the financial sector. The first chapter studies how competition for talented workers induces banks to set variable wage schemes, and how these wage schemes can lead to excessive risk. The secon

  20. 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…

  1. 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…

  2. Learning and the central bank

    OpenAIRE

    Charles T. Carlstrom; Timothy S. Fuerst

    2001-01-01

    It is well known that sunspot equilibria may arise under an interest-rate operating procedure in which the central bank varies the nominal rate with movements in future inflation (a forward-looking Taylor rule). This paper demonstrates that these sunspot equilibria may be learnable in the sense of E-stability.

  3. Transportation Environment Data Bank index

    Energy Technology Data Exchange (ETDEWEB)

    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.

  4. Strengthening E - Banking security using Keystroke Dynamics

    OpenAIRE

    AHMAD KABIR USMAN; MAHMOOD HUSSA IN SHAH

    2013-01-01

    This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literat...

  5. Analisis Perbandingan Sistem Pemberian Kredit Pada Bank Konvensional (PT. Bank Cimb Niaga) Dan Sistem Pembiayaan Murabahah Pada Bank Syariah (PT. Bank Cimb Niaga Syariah) Di Medan

    OpenAIRE

    Kardina, Tika

    2011-01-01

    Tujuan penelitian ini adalah untuk mengetahui sistem pembiayaan KPR (Kredit Pemilikan Rumah) bank konvensional khususnya Bank CIMB Niaga dan sistem Pembiayaan kepemilikan Rumah (PKR) khususnya Bank CIMB Niaga Syariah di Medan. Metode Analisis data yang digunakan dalam penelitian ini adalah metode analisis deskriptif, yaitu data yang dikumpulkan mula-mula disusun, diklasifikasikan, dan dianalisis sehingga akan memberikan gambaran yang jelas mengenai sistem pembiayaan KPR di bank konvensional d...

  6. Shadow Banking – International and Domestic Developments

    OpenAIRE

    Josef Manalo; Kate McLoughlin; Carl Schwartz

    2015-01-01

    One of the lessons from the global financial crisis is that systemic risk to the financial system can arise from outside the regular banking system, in so-called ‘shadow banking’. This article reviews post-crisis international and domestic trends in shadow banking, and regulatory efforts to better understand and address potential risks that may arise. In Australia, systemic risks arising from shadow banking appear limited given its relatively small size and minimal links to the banking system...

  7. Context-aware application for mobile banking

    OpenAIRE

    Polak, Marko

    2011-01-01

    The field of mobile applications is rapidly evolving. The reason for this lies in the development of smartphones and in the beginning of their wider usage. The development of mobile applications is therefore spreading into different fields. One of them is mobile banking. Mobile banking represents new possibilities in the banking sector. It enables banking services that are independent from time and location and, with transition to smartphones, it also enables the usage of advantages of mo...

  8. Capitalizing Central Banks: A Net Worth Approach

    OpenAIRE

    Alain Ize

    2005-01-01

    This paper provides a simple, quantitative, net worth-based, approach to assessing the need for central bank capital. It derives a concept of "core capital" (a function of the central bank's operating expenditures and the carrying cost of its international reserves) as the minimum capital needed by a central bank to ensure the credibility of its inflation target. The approach is illustrated with the published accounts of three loss-making central banks and selected accounting entries for a br...

  9. Development of the banking system in Georgia

    OpenAIRE

    Kbiltsetskhlashvili, Tea

    2008-01-01

    Over fifteen years have passed since the beginning of the reconstruction of the transition countries' banking systems. The analysis of the development of commercial banking in Georgia and other transition countries points out several features, which are typical for the starting period of financial sector reforms. It turns out from this article that the success of the reconstruction of banking sector in certain countries differs substantially. Since the starting of reforms the Georgian banking...

  10. EME banking systems and regional financial integration

    OpenAIRE

    Bank for International Settlements

    2014-01-01

    This report - prepared by a Study Group chaired by Andrew Khoo (Monetary Authority of Singapore) - develops a central bank perspective on the regional integration of EME banking systems and financial markets, assesses the drivers of these developments, and draws broad conclusions for policymakers. The findings are based on data from the BIS international banking statistics (IBS) and various other public sources, interviews with the private sector, inputs from central banks from non-CGFS juris...

  11. Perbandingan Penawaran Investasi Depostio Bank Syariah

    OpenAIRE

    Hery Harjono Muljo; Holly D

    2010-01-01

    From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing), investment conditions, and bank fascilities. The ...

  12. ACCEPTANCE OF E-BANKING AMONG CUSTOMERS

    OpenAIRE

    K.T. Geetha; V.Malarvizhi

    2012-01-01

    Financial liberalization and technology revolution have allowed the developments of newand more efficient delivery and processing channels as well as more innovative products andservices in banking industry. Banking institutions are facing competition not only from each otherbut also from non-bank financial intermediaries as well as from alternative sources of financing.Another strategic challenge facing banking institutions today is the growing and changing needsand expectations of consumers...

  13. Neutron scattering for the analysis of biological structures. Brookhaven symposia in biology. Number 27

    Energy Technology Data Exchange (ETDEWEB)

    Schoenborn, B P [ed.

    1976-01-01

    Sessions were included on neutron scattering and biological structure analysis, protein crystallography, neutron scattering from oriented systems, solution scattering, preparation of deuterated specimens, inelastic scattering, data analysis, experimental techniques, and instrumentation. Separate entries were made for the individual papers.

  14. 12 CFR Appendix D to Part 229 - Indorsement, Reconverting Bank Identification, and Truncating Bank Identification Standards

    Science.gov (United States)

    2010-01-01

    ... asterisk outside the arrow at each end of the routing number to identify the bank as a reconverting bank... asterisk at each end of the number to identify the bank as a reconverting bank; (B) The indorsement date... nine-digit routing number (without arrows) and an asterisk at each end of the number. (iii)...

  15. Bank Ownership and Credit over the Business Cycle : Is Lending by State Banks Less Procyclical?

    NARCIS (Netherlands)

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

    2012-01-01

    Abstract: This paper finds that lending by state banks is less procyclical than lending by private banks, especially in countries with good governance. Lending by state banks in high income countries is even countercyclical. On the liability side, state banks expand potentially unstable non-deposit

  16. Bank ownership and credit over the business cycle : Is lending by state banks less procyclical?

    NARCIS (Netherlands)

    Bertay, A.C.; Demirguc-Kunt, Asli; Huizinga, Harry

    2015-01-01

    This paper finds that lending by state banks is less procyclical than lending by private banks, especially in countries with good governance. Lending by state banks in high income countries is even countercyclical. On the liability side, state banks expand their total liabilities and, in particular,

  17. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan associations, and cooperative banks. 1.581-2 Section 1.581-2 Internal Revenue INTERNAL REVENUE SERVICE... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While...

  18. Vice Premier Zeng Peiyan Meets with Michael Cohrs, CEO of Corporate & Investment Banking of Deutsche Bank

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    <正>Invited by the CPAFFC, Michael Cohrs, Chief Executive Officer of the Corporate and Investment Banking of Deutsche Bank, visited Beijing from February 26 to 28, 2004. Vice Premier Zeng Peiyan of the State Council met with Cohrs and his party. Deutsche Bank AG, a global multipurpose bank

  19. 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 m

  20. 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...

  1. New perspectives in human milk banks

    Directory of Open Access Journals (Sweden)

    Enrico Bertino

    2015-10-01

    Full Text Available Mother’s own milk (MOM is the first choice in preterm infant feeding, and when it is not available or is insufficient, donor human milk (DHM is recommended. It has been shown that feeding preterm infants with human milk is less related to major morbidities, enhances feeding tolerance and prevents metabolic syndrome in childhood. As The Committee on Nutrition of the European Society for Pediatric Gastroenterology, Hepatology, and Nutrition (ESPGHAN states, specific guidelines for Human Milk Banks (HMB are needed to guarantee the best possible compromise between microbiological safety and nutritional/biological quality of human milk (HM. Currently, Holder pasteurization (HoP: pasteurization process at 62.5-63°C for 30 minutes is recommended by all international guidelines: this method inactivates bacterial and viral pathogens but it also affects some nutritional and biological properties of human milk. New methods to ameliorate the biological quality and safety of DHM are under investigation in the last years. High Pressure Processing (HPP is a non- thermal process used in food industries: this technology inactivates pathogenic microorganisms by applying hydrostatic high pressure, however further researches are required before applying this technology in milk banking. Ultraviolet-C irradiation (UV-C is another non-thermal method capable of reducing vegetative bacteria in human milk and it also seems to preserve higher levels of immunological proteins than HoP. High-temperature short-time pasteurization (HTST: flash pasteurization, 72°C for 5-15 seconds currently is available only at industrial level, but it could represent an alternative to HoP seeming to maintain the protein profile and some of the key active components of DHM. Further researches are needed to define the optimal treatment of DHM. Proceedings of the 11th International Workshop on Neonatology and Satellite Meetings · Cagliari (Italy · October 26th-31st, 2015 · From the womb

  2. Macromolecular recognition in the Protein Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    Janin, Joël, E-mail: joel.janin@ibbmc.u-psud.fr [Laboratoire d’Enzymologie et de Biochimie Structurales, UPR9063, CNRS, 91198 Gif-sur-Yvette (France); Institut de Biochimie et Biologie Moléculaire et Cellulaire, UMR8619, Bâtiment 430, Université Paris-Sud, 91405 Orsay (France); Rodier, Francis [Laboratoire d’Enzymologie et de Biochimie Structurales, UPR9063, CNRS, 91198 Gif-sur-Yvette (France); Chakrabarti, Pinak [Department of Biochemistry, Bose Institute, P-1/12 CIT Scheme VIIM, Calcutta 700 054 (India); Bahadur, Ranjit P. [Institut de Biochimie et Biologie Moléculaire et Cellulaire, UMR8619, Bâtiment 430, Université Paris-Sud, 91405 Orsay (France); Department of Biochemistry, Bose Institute, P-1/12 CIT Scheme VIIM, Calcutta 700 054 (India); Laboratoire d’Enzymologie et de Biochimie Structurales, UPR9063, CNRS, 91198 Gif-sur-Yvette (France)

    2007-01-01

    X-ray structures in the PDB illustrate both the specific recognition of two polypeptide chains in protein–protein complexes and dimeric proteins and their nonspecific interaction at crystal contacts. Crystal structures deposited in the Protein Data Bank illustrate the diversity of biological macromolecular recognition: transient interactions in protein–protein and protein–DNA complexes and permanent assemblies in homodimeric proteins. The geometric and physical chemical properties of the macromolecular interfaces that may govern the stability and specificity of recognition are explored in complexes and homodimers compared with crystal-packing interactions. It is found that crystal-packing interfaces are usually much smaller; they bury fewer atoms and are less tightly packed than in specific assemblies. Standard-size interfaces burying 1200–2000 Å{sup 2} of protein surface occur in protease–inhibitor and antigen–antibody complexes that assemble with little or no conformation changes. Short-lived electron-transfer complexes have small interfaces; the larger size of the interfaces observed in complexes involved in signal transduction and homodimers correlates with the presence of conformation changes, often implicated in biological function. Results of the CAPRI (critical assessment of predicted interactions) blind prediction experiment show that docking algorithms efficiently and accurately predict the mode of assembly of proteins that do not change conformation when they associate. They perform less well in the presence of large conformation changes and the experiment stimulates the development of novel procedures that can handle such changes.

  3. Geographic Diversification, Competition and Bank Survival

    NARCIS (Netherlands)

    T. Jochem

    2013-01-01

    This article analyzes the effects from portfolio diversification and banking competition on the stability of U.S. banks during the 2008-2011 banking crisis. To do so, it uses exogenous cross-sectional and time-series variation in states' branching restrictions between 1997-2005, the degree of local

  4. A Method for Simulating Bank Reconciliation

    Science.gov (United States)

    Klemin, Vernon W.

    1974-01-01

    A method of simulation to tie check writing, making deposits, finding outstanding checks, receiving bank statements, and bank reconciliation into a process is presented as a way to convey to students a feeling of a procedure completed. A step-by-step teaching procedure and examples of bank statements are included. (AG)

  5. Central bank independence and inflation revisited

    NARCIS (Netherlands)

    Klomp, Jeroen; de Haan, Jakob

    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 perio

  6. 40 CFR 89.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 89.205 Section 89.205... EMISSIONS FROM NEW AND IN-USE NONROAD COMPRESSION-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 89.205 Banking. (a) Requirements for Tier 1 engines rated at or above 37 kW. (1) A...

  7. 40 CFR 96.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.255 Section 96.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.255 Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in...

  8. 40 CFR 60.4155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for...

  9. 40 CFR 97.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.155 Section 97.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a compliance account or...

  10. 40 CFR 96.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.55 Section 96.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.55 Banking. (a) NOX allowances may be banked for future use or transfer in...

  11. 40 CFR 96.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.155 Section 96.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.155 Banking. (a) CAIR NOX allowances may be banked for future use or transfer in...

  12. 40 CFR 96.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.355 Section 96.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Allowance Tracking System § 96.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for...

  13. 40 CFR 90.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 90.205 Section 90.205... EMISSIONS FROM NONROAD SPARK-IGNITION ENGINES AT OR BELOW 19 KILOWATTS Certification Averaging, Banking, and Trading Provisions § 90.205 Banking. (a)(1) Beginning August 1, 2007, a manufacturer of a Class I...

  14. 40 CFR 97.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.55 Section 97.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. NOX allowances may be banked for future use or transfer in a compliance account, an...

  15. 40 CFR 97.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.355 Section 97.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... System § 97.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future use or transfer...

  16. 40 CFR 97.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.255 Section 97.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a compliance account or...

  17. The risks of trading by banks

    NARCIS (Netherlands)

    Boot, A.; Ratnovski, L.; Danielson, J.

    2015-01-01

    Liikanen, Vickers, and Volcker all question current banking-trading links. This chapter offers analytic scaffolding for thinking about the separation of banking and trading. Banking generates low risk returns from relationship-based activities; trading generates high-risk returns from short-term con

  18. Leverage, Bank Employee Compensation and Institutions

    NARCIS (Netherlands)

    Bertay, Ata; Uras, Burak

    2016-01-01

    This paper investigates the empirical relationship between financial structure and employee compensation in the banking industry. Using an international panel of banks, we show that well-capitalized banks pay higher wages to their employees. Our results are robust to changes in measurement, model sp

  19. ELECTRONIC BANKING AS ANS COMPETITIVE EDGE FOR COMMERCIAL BANKS OF PAKISTAN: ROE MODEL

    Directory of Open Access Journals (Sweden)

    Sundas Rauf

    2013-12-01

    Full Text Available The impact of electronic banking on the profitability of commercial banks has been measured by developing the integrated model based on Return on Equity for the period of 2002 to 2012. Three major banks named as National Bank of Pakistan, Habib Metropolitan Bank, and Askari Bank Limited have been incorporated into the sample of this study, by applying the Ordinary Least Square (OLS , it has been concluded that services of E-Banking have significant impact on the profitability of recent adopters in terms of Return on Equity.

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

    Directory of Open Access Journals (Sweden)

    ELENA SILVIA DINCULESCU

    2010-01-01

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