WorldWideScience

Sample records for blood bank information

  1. 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.

  2. Cord-Blood Banking

    Science.gov (United States)

    ... cord blood mainly because of the promise that stem cell research holds for the future. Most of us would have little use for stem cells now, but research into using them to treat diseases is ongoing — ...

  3. Materials information data bank

    International Nuclear Information System (INIS)

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

  4. Materials information data bank

    Energy Technology Data Exchange (ETDEWEB)

    Mead, K.E.

    1978-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Justo Aznar Lucea

    2012-01-01

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

  6. Ethical considerations in umbilical cord blood banking.

    Science.gov (United States)

    Fox, Nathan S; Chervenak, Frank A; McCullough, Laurence B

    2008-01-01

    Pregnant patients have the option at delivery of having their cord blood collected and stored for future use. At many hospitals, they have the option of donating their cord blood to the public banking system for future use by anyone who is an appropriate match (public banking). Patients also have the option of having their cord blood stored for a fee with a commercial/private company for future use within their family (private banking). Currently, private banking is not recommended by major obstetric and pediatric professional organizations. We applied current evidence of the risks and benefits of private and public cord blood banking and accepted ethical principles to answer the following two related questions: 1) Do obstetricians have an ethical obligation to comply with a request for private banking? and 2) Do obstetricians have an ethical obligation to routinely offer private banking to women who do not request it? The only situation where there is a known benefit to private banking is when public banking is not available and the patient currently has an affected family member who may benefit from cord blood therapy. We conclude that when presented with a request for private banking, obstetricians have an ethical obligation to explain the lack of proven benefit of this procedure. If the patient still requests private banking, it would be appropriate to comply, because there is minimal or no risk to the procedure. However, obstetricians are not ethically obligated to offer private banking, even when public banking is not available, except in the limited circumstance when the patient currently has an affected family member who may benefit from cord blood therapy. PMID:18165407

  7. Maintaining quality in blood banking.

    Science.gov (United States)

    Harvey, E; Hewison, C; Nevalainen, D E; Lloyd, H L

    1995-03-01

    Regulation of transfusion or blood banking facilities has followed, rather than preceded the regulation of the pharmaceutical industry and today we find, in Europe and the United States, the basic regulations developed for the pharmaceutical industry being extended to blood transfusion centres (BTC)*. In this article we explore the role of voluntary accreditation or registration to quality systems standards such as ISO 9000 and discuss how these can be used to advantage and how these standards can provide a substantial base for meeting legislative requirements. In the UK there is also a voluntary accreditation procedure available for all clinical laboratories, known as Clinical Pathology Accreditation (CPA). Comparisons between ISO 9000, CPA and other standards are made. We also discuss how voluntary registration, particularly to ISO 9000 can provide an excellent basis for moving into more extensive and progressive Total Quality Management (TQM) programmes which in turn bring a variety of benefits, not least of which is increased staff involvement in your organisation. Experience of the route to quality through voluntary accreditation suggests that external assessment delivers new insights into the organisation that cannot easily be supplanted by internal audit. In Europe legislation relating to pharmaceuticals has steadily increased in scope and in detailed requirements from those set out in the 1965 Directive 65/65/EEC. The legislative framework has steadily increased, bringing plasma and plasma products as well as others such as radiopharmaceuticals, into the product licensing requirements. The progression of legislation seems unlikely to cease and it is debatable how long the Medicines Control Agency (MCA) and its Inspectorate will accept that BTCs can operate at a level which is different from that of the majority of pharmaceutical manufacturers. The change in emphasis in legislation particularly in Europe means that harm that is caused to a patient by a blood

  8. Ethical aspects of banking placental blood for transplantation.

    Science.gov (United States)

    Sugarman, J; Reisner, E G; Kurtzberg, J

    1995-12-13

    Transplantation of blood cells harvested from the umbilical cord immediately after birth has been effective in repopulating the bone marrow. These placental blood transplantations may be safer than conventional bone marrow transplantations and may suspend the need to harvest bone marrow, a process fraught with difficulties. Further understanding and advancement of this emerging technology require developing large banks of placental blood. In this article, we examine some of the ethical issues associated with placental blood banking, including (1) questions about ownership of the tissue, (2) the necessity and nature of obtaining informed consent from parents for harvesting placental blood and the information-gathering process associated with it, (3) obligations to notify parents and children of the results of medical testing for infectious diseases and genetic information, (4) matters of privacy and confidentiality related to such information, and (5) the need for fair and equitable harvesting of and access to placental blood. PMID:7500510

  9. Banking Safety Nets: Information Issues

    OpenAIRE

    Jorge Ponce

    2006-01-01

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

  10. Virtual blood banking in Hong Kong.

    Science.gov (United States)

    Wong, K F; Kwan, Angela M Y; Wong, Michael L G; Lam, Clarence C K; Yip, S C

    2012-08-01

    OBJECTIVE. To review our experience in virtual blood banking for intra-operative transfusion in Hong Kong. DESIGN. Retrospective study. SETTING. Three major acute hospitals and a specialised centre for joint replacement surgery with installation of an Operating Theatre Blood Transaction System. PATIENTS. Patients undergoing surgery under anaesthesia and requiring intra-operative transfusion for the period from the implementation of the system in individual institutes (Queen Elizabeth Hospital: June 1997; Princess Margaret Hospital: May 2001; Queen Mary Hospital: October 2009; and Hong Kong Buddhist Hospital: December 2010) till September 2011. RESULTS. Under the system, 58 923 units of red cells were released intra-operatively for 18 264 patients (11% of the total number of blood units issued by the blood banks in these institutes during the study period). About 1% of them (613 units) entailed unmatched red cells given to 183 patients for emergency transfusions during surgery. The mean time required for the issue of the first unit of red cells was less than 1 minute. A total of 1231 units of red cells were returned unused after being released. Among them, 95 units were deemed unfit for re-issue because they had left the temperature-monitored blood storage refrigerators in the operating theatres for more than 30 minutes. There was no delay in transfusion or postponement of surgery due to problems or downtime of the Operating Theatre Blood Transaction System. CONCLUSION. Our experience has shown that our virtual blood banking system was efficient and effective, and helped ensure that the right patient received the right amount of the right blood at the right time. The system can be implemented either locally in the same hospital with a central blood bank, or in a more remote and networked site without a nearby supporting blood bank. PMID:22865174

  11. Volume reduction in routine cord blood banking.

    Science.gov (United States)

    Solves, Pilar; Mirabet, Vicente; Roig, Roberto

    2010-12-01

    Umbilical cord blood (UCB) is an alternative source of hematopoietic progenitors for transplantation in the treatment of haematological malignancies, marrow failure, immunodeficiencies, hemoglobinopathies and inherited metabolic diseases. It has greatly contributed to increase the feasibility to transplantation for many patients in need. To date, more than 20,000 UCB transplants have been performed on children and adults, and more than 400,000 UCB units are available in more than 50 public CB banks. One of the most important objectives of banks is to cryopreserve and store high quality UCB units. Volume reduction is a usual process in cord blood banking that has some advantages as reducing the storage space and the DMSO quantity in final product. Volume reduction methodology must guarantee high cell recovery and red blood cell (RBC) depletion by reducing the UCB units to a standard volume. Hydroxyethyl starch (HES) sedimentation was the first method developed for this purpose by the New York Cord Blood Bank and implemented in many banks worldwide. The semi-automated top and bottom system, usually used for blood fractionation was further developed to simplify and short the process. Later, automatic devices as SEPAX and AXP have been developed in last years specifically for UCB volume reduction purpose. This review critically analyses the advantages and disadvantages of the different procedures. All of them have been used in Valencia Cord Blood Bank along 10 years. In general, automatic devices are preferred because of compliance with cGTP, closed systems, higher reproducibility and less influence of technician. PMID:20528760

  12. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  13. 27 CFR 22.105 - Hospitals, blood banks, and sanitariums.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Hospitals, blood banks... Tax-Free Alcohol § 22.105 Hospitals, blood banks, and sanitariums. (a) Tax-free alcohol withdrawn for use by hospitals, blood banks, and sanitariums shall be used exclusively for medicinal,...

  14. Herd Behavior, Bank Runs and Information Disclosure

    OpenAIRE

    Yorulmazer, Tanju

    2003-01-01

    I develop a dynamic model of bank runs that allows me to study important phenomena such as the role of information externalities and herd behavior of depositors as a source of bank runs. I show that eliminating bank runs completely, even they can be generated by herd behavior of depositors, has costs. Furthermore, a deposit contract that allows for runs can achieve higher levels of depositor welfare than a contract that completely eliminates them. Since early liquidation of bank's assets is c...

  15. Customer perceptions on Internet banking information protection

    Directory of Open Access Journals (Sweden)

    André Redlinghuis

    2010-08-01

    Full Text Available Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA, but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA, Standard Bank, Nedcor and First National Bank (FNB influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996 as consumers are attracted to the convenience, safety and lower costs of doing banking online. Trust is a significant component of Internet banking and online services and products.Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT.Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are

  16. Fostering public cord blood banking and research in Canada.

    Science.gov (United States)

    Isasi, Rosario; Dalpe, Gratien; Knoppers, Bartha M

    2013-12-01

    In June 2013, Canadian Blood Services (CBS) established the National Public Cord Blood Bank (NPCBB) accessible to Canadian and international patients and researchers. The NPCBB promotes efforts that contribute to research and improved clinical care by making units not suitable for banking or transplantation available for research. In the context of the NPCBB of the CBS, this article will focus on the practical tools (e.g., consent protocols) developed to optimize umbilical cord blood (UCB) banking and research while enabling ethical provenance of UCB stem cells. The Canadian approach represents an ideal model for comparison as it is a country in which the national public bank (and other regional/provincial public banks) coexists with private companies. PMID:24304072

  17. Pregnant women's perspectives on umbilical cord blood banking.

    Science.gov (United States)

    Sugarman, J; Kaplan, L; Cogswell, B; Olson, J

    1998-08-01

    Promising clinical results suggest that umbilical cord blood (UCB) collected after delivery of a child may have many advantages over bone marrow for transplantation. As there are an increasing number of options regarding the collection of UCB, including private and public banking, more pregnant women are likely to be asked to make decisions about UCB collection. We conducted three focus groups with pregnant women to learn about their perspectives on this emerging technology. All the women in these focus groups indicated that they would choose to have UCB collected. Reasons leading to this choice were that the UCB would otherwise be discarded and altruism. Participants indicated that possible reasons to decide not to have UCB collected include concerns about the safety of the mother and neonate, beliefs about the placenta, threats against confidentiality, rejection of UCB, and the influence of fathers. While feeling confident in making an anticipatory decision about UCB collection, women expressed a clear desire to learn much more about the collection, storage (including distinctions between public and private banking), and use of UCB. In addition, they believed that recruitment for UCB collection should occur after sufficient education about UCB and certainly not after delivery and collection. These data will be useful in guiding efforts to help women make decisions about having UCB collected and in developing an appropriate recruitment and informed consent process for donating UCB to a public bank. PMID:9718543

  18. The bank capital requirement and information asymmetry

    OpenAIRE

    Sangkyun Park

    1994-01-01

    This paper recognizes two main factors that cause the capital requirement to affect the weighted average cost of capital and hence the investment behavior of banks: underpriced debt resulting from the deposit insurance and information asymmetry between managers and the stock market. For a bank enjoying a low cost of debt (deposits), an increased proportion of equity financing raises the weighted average cost ofcapital. When the stock market underestimates the value of a bank due to informatio...

  19. Central banking and the economics of information

    OpenAIRE

    Green, Edward J.

    2001-01-01

    This article concerns the potential relevance of information technology to three aspects of central banking: setting the objectives of monetary policy, ensuring the integrity and security of financial system infrastructure, and maintaining the transparency of decision-making. Regarding integrity and security of infrastructure, a revised role for central banks may be appropriate. However, recent innovations in technology and advances in learning confirm the wisdom of central banks' efforts to ...

  20. Court upholds $405,000 award against blood banking industry.

    Science.gov (United States)

    1995-06-30

    The New Jersey Superior Court has ruled that the American Association of Blood Banks (AABB), the nation's largest blood bank trade group, was negligent during the early 1980s when it recommended that blood banks not screen and test donors to reduce the chance of HIV contamination of the nation's blood supply. [Name removed], who received HIV-contaminated blood in 1984 as a result of a transfusion at St. Joseph's Hospital in Paterson, sued and reached out-of-court settlements with his doctors and the Bergen Community Blood Center, which provided the blood. Only the AABB suit proceeded to trial, with the jury finding that one-third of the damages were attributable to the AABB's actions. In 1983, the Centers for Disease Control and Prevention (CDC) suggested that blood banks might reduce the risk of AIDS entering the blood supply by using the surrogate hepatitis B test. The AABB, the American Red Cross, and the Council of Community Blood Centers recommended against testing, saying that evidence of transmission by blood was inconclusive and unproven. In March 1985, the AABB adopted the ELISA test. This is the first time the AABB has been held responsible; the AABB said it may appeal the decision. The court disagreed with AABB's claim that it was immune from liability because it was a charity, saying it also performs a critical governance function in respect of the operation of blood banks. The decision puts considerable liability for the U.S. cases of HIV contracted through tainted blood transfusions on the AABB. PMID:11362633

  1. Private cord blood banking: current use and clinical future.

    Science.gov (United States)

    Hollands, Peter; McCauley, Catherina

    2009-09-01

    International private umbilical cord blood banking has expanded rapidly in recent years since the first cord blood transplant which was 20 years ago. Private companies offer parents the opportunity to store umbilical cord blood for the possible future use by their child or other family members. The private cord blood industry has been criticised by a number of professional bodies including the EU Ethics Committee, the Royal College of Obstetrics and Gynaecology, the Royal College of Midwives and the US College of Paediatrics. This review presents the arguments from the opponents of private cord blood banking, and then makes the case for private cord banking based on the latest scientific and clinical evidence. PMID:19603288

  2. Obstetricians and their role in cord blood banking: promoting a public model.

    Science.gov (United States)

    Herlihy, Mary M; Delpapa, Ellen H

    2013-04-01

    Umbilical cord blood, the blood remaining in the umbilical cord at birth, can be collected at birth and be a source of stem cells for a patient in need of a bone marrow transplant. Obstetricians and other health care practitioners are recognized as a patient's primary source for medical information affecting the mother and her neonate and frequently are asked to provide education and guidance regarding options of private and public cord blood banking. As the use of cord blood continues to grow in medicine and research uncovers more potential for cord blood, cord blood banking has become an important resource. The Stem Cell Therapeutic and Research Act has provided funding to expand public banking initiatives in the United States and to create a more ethnically diverse inventory of units. Private storage is not advocated unless there is an identified need in the family such that banked cord blood would offer a benefit. A recent report outlined the challenges of increasing participation and inventory, particularly among minority groups. Obstetricians and other health care practitioners should have a primary role in efforts to increase awareness of umbilical cord blood donation and be involved in initiatives to expand current public banking activities. PMID:23635686

  3. 21 CFR 864.9650 - Quality control kit for blood banking reagents.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 8 2010-04-01 2010-04-01 false Quality control kit for blood banking reagents... Manufacture Blood and Blood Products § 864.9650 Quality control kit for blood banking reagents. (a) Identification. A quality control kit for blood banking reagents is a device that consists of sera,...

  4. Informal economy and the World Bank

    OpenAIRE

    Benjamin, Nancy; Beegle, Kathleen; Recanatini, Francesca; Santini, Massimiliano

    2014-01-01

    Many countries have expressed an interest in the size, performance and motivation of the informal sector, especially where the informal sector provides the livelihood and employment for a critical segment of the population. This essay reviews recent literature, methodologies, and relevant Bank studies as a way to share information with country teams interested in expanding their knowledge ...

  5. MERCHANT BANKING ACTIVITIES IN INDIADETAILED INFORMATION

    OpenAIRE

    Waghamare Shivaji; Sandeep Kumar M

    2015-01-01

    Merchant banking ser vi ces str e n g t h e n t h e e c o n omi c development of a country as they acts as sources of funds and information for corporations. Considering the way the Indian economy is growing, the role of merchant banking services in India is indispensable. These financial institutes also act as corporate advisorybodiesto help,corporations rightly get involved in various financial activities. The need of merchant banking services in India arises from the fact that hig...

  6. Health care professionals’ knowledge, attitudes and practices relating to umbilical cord blood banking and donation: an integrative review

    OpenAIRE

    Peberdy, Lisa; Young, Jeanine; Kearney, Lauren

    2016-01-01

    Background Collection and storage of an infant’s cord blood at birth is an option available to many new parents. Antenatal health care providers have an important role in providing non-biased and evidence based information to expectant parents about cord blood and tissue banking options. The aim of this paper was to identify and review studies of health care professionals’ knowledge, attitudes and practices concerning cord blood banking and the sources by which healthcare professionals obtain...

  7. Can cord blood banks transform into induced pluripotent stem cell banks?

    Science.gov (United States)

    Zhou, Hongyan; Rao, Mahendra S

    2015-06-01

    The discovery of induced pluripotent stem cells (iPSCs) and the rapid evolution of clinically compliant protocols to generate such lines from a variety of tissue sources has raised the possibility that personalized medicine may be achievable in the near future. Several strategies to deliver iPSCs for iPSC-derived cell-based therapy have been proposed: one such model has been the cell-banking model, using processes developed by the cord blood industry. The cord blood industry has evolved primarily as a banking model in which units of cord blood harvested from discarded placenta are stored either in a public or a private cord blood bank for future use. The consideration of a cord blood--like banking model has been further spurred by the realization that this population of cells is an ideal starting sample to generate pluripotent cells. Spurred by these technological advances, major efforts are underway to develop a current Good Manufacturing Practice--compliant protocol to generate iPSCs from cord blood and to develop a haplobanking strategy. In this article, we discuss the issues that may affect such an effort. PMID:25770678

  8. Quality of transfusion products in blood banking.

    Science.gov (United States)

    Franchini, Massimo; Capuzzo, Enrico; Turdo, Rosalia; Glingani, Claudia

    2014-03-01

    The primary goal in transfusion medicine and cellular therapies is to promote high standards of quality and produce ever safer and more efficacious products. The establishment of a transfusion service quality management system, which includes several organizational structures, responsibilities, policies, processes, procedures, and resources, is now mandatory and widely regulated worldwide. In this review, we summarize the current knowledge on the quality system in transfusion medicine as applied to the production of blood components, including red blood cells, platelets, and fresh frozen plasma. PMID:24474089

  9. Erythropoietin reduces storage lesions and decreases apoptosis indices in blood bank red blood cells

    OpenAIRE

    Oscar Andrés Penuela; Fernando Palomino; Lina Andrea Gómez

    2015-01-01

    ABSTRACT Background: Recent evidence shows a selective destruction of the youngest circulating red blood cells (neocytolysis) trigged by a drop in erythropoietin levels. Objective: The aim of this study was to evaluate the effect of recombinant human erythropoietin beta on the red blood cell storage lesion and apoptosis indices under blood bank conditions. Methods: Each one of ten red blood cell units preserved in additive solution 5 was divided in two volumes of 100 mL and assigned to one...

  10. Saving the leftovers: models for banking cord blood stem cells.

    Science.gov (United States)

    Cogdell, Kimberly J

    2009-01-01

    Each year there are over four million live births in the United States. Each birth produces umbilical cord blood stem cells, which are usually discarded. The author argues that rather than discarding the umbilical cord, this valuable resource of cord blood should be banked and used for research and therapeutic purposes. Umbilical cord blood could provide a solution to the critical need to find matching donors for hematopoietic transplants in patients who have no matching bone marrow donors. Creating a system of universal donation to a public bank will greatlyincrease the number of donors and therefore, the number of matches for patients. Such a system will facilitate the development and use of new technologies and transplant procedures, while providing an opportunity for treatment to individuals who would otherwise not be able to find suitable donors. PMID:20101907

  11. [Research on Zhejiang blood information network and management system].

    Science.gov (United States)

    Yan, Li-Xing; Xu, Yan; Meng, Zhong-Hua; Kong, Chang-Hong; Wang, Jian-Min; Jin, Zhen-Liang; Wu, Shi-Ding; Chen, Chang-Shui; Luo, Ling-Fei

    2007-02-01

    This research was aimed to develop the first level blood information centralized database and real time communication network at a province area in China. Multiple technology like local area network database separate operation, real time data concentration and distribution mechanism, allopatric backup, and optical fiber virtual private network (VPN) were used. As a result, the blood information centralized database and management system were successfully constructed, which covers all the Zhejiang province, and the real time exchange of blood data was realised. In conclusion, its implementation promote volunteer blood donation and ensure the blood safety in Zhejiang, especially strengthen the quick response to public health emergency. This project lays the first stone of centralized test and allotment among blood banks in Zhejiang, and can serve as a reference of contemporary blood bank information systems in China. PMID:17490550

  12. Particle swarm optimization algorithm for optimizing assignment of blood in blood banking system.

    Science.gov (United States)

    Olusanya, Micheal O; Arasomwan, Martins A; Adewumi, Aderemi O

    2015-01-01

    This paper reports the performance of particle swarm optimization (PSO) for the assignment of blood to meet patients' blood transfusion requests for blood transfusion. While the drive for blood donation lingers, there is need for effective and efficient management of available blood in blood banking systems. Moreover, inherent danger of transfusing wrong blood types to patients, unnecessary importation of blood units from external sources, and wastage of blood products due to nonusage necessitate the development of mathematical models and techniques for effective handling of blood distribution among available blood types in order to minimize wastages and importation from external sources. This gives rise to the blood assignment problem (BAP) introduced recently in literature. We propose a queue and multiple knapsack models with PSO-based solution to address this challenge. Simulation is based on sets of randomly generated data that mimic real-world population distribution of blood types. Results obtained show the efficiency of the proposed algorithm for BAP with no blood units wasted and very low importation, where necessary, from outside the blood bank. The result therefore can serve as a benchmark and basis for decision support tools for real-life deployment. PMID:25815046

  13. Blood safety and availability: continuing challenges in China's blood banking system.

    Science.gov (United States)

    Shi, Ling; Wang, Jing-Xing; Stevens, Lori; Ness, Paul; Shan, Hua

    2014-02-01

    Social and economic development, along with increased health care coverage, has caused a sharp increase in the clinical demand for blood in China. Whole blood collection has increased rapidly in the past decade but has failed to keep pace with the ever-increasing demand. Overall, the country's blood safety has been improved with 99% of whole blood donations collected from voluntary unpaid donors. However, the unmet clinical demand for blood and the increasing incidence of human immunodeficiency virus and syphilis in the general population pose new challenges to China's blood banking system. To ensure a safe and adequate blood supply, continued efforts are required to recruit and retain a sufficient number of low-risk voluntary blood donors, improve donor prescreening and blood testing process, ease donor restrictions, and strengthen patient blood management. PMID:23710600

  14. Platelet Factor 4/Heparin Antibodies in Blood Bank Donors

    OpenAIRE

    Hursting, Marcie J; Pai, Poulomi J.; McCracken, Julianna E.; Hwang, Fred; Suvarna, Shayela; Lokhnygina, Yuliya; Bandarenko, Nicholas; Arepally, Gowthami M.

    2010-01-01

    Platelet factor 4 (PF4)/heparin antibody, typically associated with heparin therapy, is reported in some heparin-naive people. Seroprevalence in the general population, however, remains unclear. We prospectively evaluated PF4/heparin antibody in approximately 4,000 blood bank donors using a commercial enzyme-linked immunosorbent assay for initial and then repeated (confirmatory) testing. Antibody was detected initially in 249 (6.6%; 95% confidence interval [CI], 5.8%-7.4%) of 3,795 donors and...

  15. Awareness of cord blood banking among pregnant women in semi urban area

    Directory of Open Access Journals (Sweden)

    Poomalar G. K.

    2016-08-01

    Conclusions: Knowledge about cord blood banking is lacking among pregnant women. Especially majority of them are unaware of public cord blood banking. Private banking will be useful for those with family members affected with diseases amenable to HSC transplantation. More support from government and private organizations are required, which will help in better functioning of public cord blood bank services. [Int J Reprod Contracept Obstet Gynecol 2016; 5(8.000: 2601-2606

  16. Withdrawal history, private information, and bank runs

    OpenAIRE

    Carlos Garriga; Chao Gu

    2012-01-01

    This paper provides a simple two-depositor, two-stage model to understand how a bank’s withdrawal history affects an individual’s decision about withdrawals, which could possibly trigger bank runs. Individual depositors have private information about their personal consumption types and receive noisy private signals about the quality of the bank’s portfolio. Depositors make publicly observable withdrawal decisions in sequence. Computed examples indicate that the optimal contract contingent on...

  17. 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...

  18. Investment Bank Reputation, Information Production, and Financial Intermediation.

    OpenAIRE

    Chemmanur, Thomas J; Fulghieri, Paolo

    1994-01-01

    The authors model reputation acquisition by investment banks in the equity market. Entrepreneurs sell shares in an asymmetrically informed equity market either directly or using an investment bank. Investment banks, who interact repeatedly with the equity market, evaluate entrepreneurs' projects and report to investors in return for a fee. Setting strict evaluation standards (unobservable to investors) is costly for investment banks, inducing moral hazard. Investment banks' credibility, there...

  19. DONOR DEFERRAL PATTERN AMONG BLOOD DONORS IN BLOOD BANK OF A MEDICAL COLLEGE HOSPITAL OF CHHATTISGARH

    Directory of Open Access Journals (Sweden)

    Bhanu P .

    2015-09-01

    Full Text Available A 3 Years retrospective study conducted on “Donor Deferral Pattern among Blood Donors in Blood Bank’’ of a Medical College Hospital of Chhattisgarh. This study shows the major possible causes of deferrals for donation of blood in northern Chhattisgarh. Donor’s detail information on the donor deferral including the cause of deferral was recorded in deferral register. Donors deferred were analyzed and computed for study on the bas ic of medical examination. In the study done f ro m A ugust 2012 to July 2015 a total of 18773 donors were registered and the screened. Out of these 18153 were male and 620 were female. Among the male, 1486 were deferred which makes 8.18% of the total registe red. Among female, 339 were deferred which makes 54.67% of the total registered. The maximum numbers of deferrals were due to low Hb (17.97% the second most important cause for deferral in this region happens to be alcohol/ganja intake (11.61%. The third leading cause is skin puncture or ear piercing (10.57%. This figure is mainly due to professional donors who frequent around the hospital very often. Interestingly forth cause is deferral is medication (7.39% mostly over the counter drugs. Other major c ause for deferrals in descending order are low BP (6.68%, fever and cold (6.30%, hypertension (5.64%, underweight (4.54%, Typhoid (4.05%, menstrual cycle (3.39% and donated <3 month (2.41%. The least percentage of cause of deferral was due to breast feeding (0.10%. It is because of very low percentage of female donation. Strict screening of donor is compulsory to achieve safe blood equally important is to increase the number of voluntary donations with minimum deferral. To achieve this it is necessa ry to study and analyze various causes for donor deferral & categorize them under temporary & Permanent, so that temporary deferral can be converted to donations. Proper medical examination and Strict deferral system of the blood donors in blood banks redu ces the

  20. Whole blood donor deferral analysis at Genera l hospital blood bank – A retrospective study.

    Directory of Open Access Journals (Sweden)

    Hinal Gajjar

    2014-07-01

    Full Text Available Background: A blood transfusion is a life saving procedure in many instances and it requir es an adequate supply of safe blood. The most important is the selection of blood donors by donor selection criteria. A large number of blood donors are deferred from donating blood for several reasons either temporarily or permanently. A shortage of safe blood donor is frequent and it is important to understand the causes of deferral of potential donors. Aims: 1. Primary objective of this study was to record and document the current rate and reasons for donor deferred in our blood bank. 2. Apply relevant findings to modify recruitment strategy for blood donors. Materials and methods: Data for WBD presenting for blood donation in a blood bank V S General Hospital and outdoor camps over two and half years from January 2011 to June 2013 were analysed retrospectively. National Guidelines were used for selection & deferral of WBD. Results: 3836 (11.16% WBD were deferred out of 34373 registered donors during the study period. Donor deferrals were tabulated into temporary and permanent reasons. Temporary deferrals were 3113 (81.15% and permanent deferrals were 723 (18.85%. The most common reasons were low haemoglobin (48.33%, high blood pressure (11.94%, underweight donors (7.95% and history of medication use (6.13% among total deferral donors. Majority of donors (47.16% deferred were between 18 -30 years. Females were found to have higher deferral rate (25.48% than males (10.76%. Discussion and conclusion: A deferral study in blood donors may shed light on the health status of general population which may affect the present and future blood supply. It is important to provide donors with a clear message on their deferral status so that most of temporary deferral donors will return for donation in future.

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

    Directory of Open Access Journals (Sweden)

    Ahmad Y. Areiqat

    2012-01-01

    Full Text Available Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank. Results: The results showed that Jordanian banks showed highest attention toward risk management of e-banking, through their commitment to Basel Standards on risk management. Conclusion: Through the study, it will be clear that Jordanian banks committed to the standards of the Basel committee on safety and security of electronic banking services. These banks take into account all the potential risks before applying any system of electronic services. It is irrefutable evidence on the banks of Jordan keenness on protecting themselves and their customers from risk of theft through electronic means, the banks included their websites with detailed instructions to ensure that no customer fall prey to hackers.

  2. Signalment and Blood Types in Cats Being Evaluated as Blood Donors at Two Italian University Blood Banks

    OpenAIRE

    Eva Spada; Arianna Miglio; Daniela Proverbio; Maria Teresa Antognoni; Giada Bagnagatti de Giorgi; Elisabetta Ferro; Vittorio Mangili

    2014-01-01

    Data from potential feline blood donors presented at two university blood banks in Italy were recorded. Blood typing was performed using an immunochromatographic method. Over the three years of the study 357 cats representing 15 breeds, 45.3% female and 54.7% male, with a mean age of 3.8 years were evaluated. Of these 90.5% were blood type A, 5.6% type B, and 3.9% type AB. The majority of the cats (54.6%) were European DSH (92.3% were type A, 5.1% type B, and 2.6% type AB), and 21% were Maine...

  3. Reasons for discarding whole blood and its components in a tertiary care teaching hospital blood bank in South India

    OpenAIRE

    Suresh B; Sreedhar Babu KV; Arun R; Chandra Mouli P; Jothibai DS

    2015-01-01

    Introduction: Each unit of blood is precious and has to be utilized properly with minimal discards. The aim of this study was to find out the reasons for discarding blood and blood components. Materials and Methods: We retrospectively studied all whole blood and blood components collected during January 2013 to June 2014 at our tertiary care teaching hospital blood bank in South India. Results: Of the 5261 whole blood bags, 298 (5.7%) were discarded. Of these, 146 (49%) were discarded b...

  4. THE STUDY OF DEFERRED BLOOD DONORS AT TERTIARY LEVEL HOSPITAL BASED BLOOD BANK OF SOUTH GUJARAT

    Directory of Open Access Journals (Sweden)

    Snehal

    2015-03-01

    Full Text Available BACKGROUND: Pre - donation donor screening is must for the safety of the blood donor and recipient. Deferrals lead to loss of precious whole blood donors and blood units available for transfusion purposes. AIM: T o record and document the current rate and reasons for donor deferral in our tertiary care hospital based blood bank to modify recruitment strategy for blood donors. MATERIAL AND METHODS: Study was conducted by retrospective data analysis of whole blood donors ( V oluntary/ R eplacement , arrived for donating bloo d at blood bank and in outdoor camps , during the period 1 st July 2010 to 30 th June 2014. The donor selection was done by pre - donation screening tests like questionnaire followed by physical examination and haemoglobin estimation. National guidelines were used for selection and deferral of donors. The deferred donor’s data was analyzed statistically. RESULT: Out of 34380 blood donors who came to donate blood, 31049 (89 . 63 %, out of which 97 . 51 % voluntary donors were eligible for d onation and 3331 (10 . 37% blood donors were deferred. The deferral rate among male population 7 . 47% and female population 42 . 09% were observed. Odds ratio for deferral in female donors was 8 . 99, implying thereby that chance of deferral in females is nearly 9 times higher as compared to males. The five leading causes for male donor deferral were low haemoglobin, hypertension, medication, and malaria & alcohol intake in last 48 hours & for the female donor deferral were low haemoglobin, menstruation, medication, low weight & hypotension. CONCLUSIONS: Studying the frequency and the different causes of donor deferral will help to identify sections of the population which could be targeted for increasing and retaining of the existing pool of voluntary blood donors and also to guide and provide the necessary essential database for the policy design and programme implementation at local, regional, and national level.

  5. Code development of the national hemovigilance system and expansion strategies for hospital blood banks

    Directory of Open Access Journals (Sweden)

    Kim Jeongeun

    2012-01-01

    Full Text Available Objectives : The aims of this study were to develop reportable event codes that are applicable to the national hemovigilance systems for hospital blood banks, and to present expansion strategies for the blood banks. Materials and Methods : The data were obtained from a literature review and expert consultation, followed by adding to and revising the established hemovigilance code system and guidelines to develop reportable event codes for hospital blood banks. The Medical Error Reporting System-Transfusion Medicine developed in the US and other codes of reportable events were added to the Korean version of the Biologic Products Deviation Report (BPDR developed by the Korean Red Cross Blood Safety Administration, then using these codes, mapping work was conducted. We deduced outcomes suitable for practice, referred to the results of the advisory councils, and conducted a survey with experts and blood banks practitioners. Results : We developed reportable event codes that were applicable to hospital blood banks and could cover blood safety - from blood product safety to blood transfusion safety - and also presented expansion strategies for hospital blood banks. Conclusion : It was necessary to add 10 major categories to the blood transfusion safety stage and 97 reportable event codes to the blood safety stage. Contextualized solutions were presented on 9 categories of expansion strategies of hemovigilance system for the hospital blood banks.

  6. Automated nucleic acid amplification testing in blood banks: An additional layer of blood safety

    Directory of Open Access Journals (Sweden)

    Pragati Chigurupati

    2015-01-01

    Full Text Available Context: A total of 30 million blood components are transfused each year in India. Blood safety thus becomes a top priority, especially with a population of around 1.23 billion and a high prevalence rate of human immunodeficiency virus (HIV, hepatitis B virus (HBV and hepatitis C virus (HCV in general population. Nucleic acid amplification testing (NAT in blood donor screening has been implemented in many developed countries to reduce the risk of transfusion-transmitted viral infections (TTIs. NAT takes care of the dynamics of window period of viruses and offers the safest blood pack for donation. Aims: The aim of this study is to show the value of NAT in blood screening. Settings and Design: Dhanavantari Blood Bank, Rajahmundry, Andhra Pradesh, India. Subjects and Methods: Over a period of 1 year from January 2012 to December 2012, a total number of 15,000 blood donor samples were subjected to tests for HIV, HBV, and HCV by enzyme-linked immunosorbent assay (ELISA method and 8000 ELISA nonreactive samples were subjected for NAT using multiplex polymerase chain reaction technology. Results: Of the 15,000 donors tested, 525 were seroreactive. In 8000 ELISA negative blood samples subjected to NAT, 4 donor samples were reactive for HBV. The NAT yield was 1 in 2000. Conclusions: NAT could detect HIV, HBV, and HCV cases in blood donor samples those were undetected by serological tests. NAT could interdict 2500 infectious donations among our approximate 5 million annual blood donations.

  7. Erythropoietin reduces storage lesions and decreases apoptosis indices in blood bank red blood cells

    Directory of Open Access Journals (Sweden)

    Oscar Andrés Penuela

    2016-02-01

    Full Text Available ABSTRACT Background: Recent evidence shows a selective destruction of the youngest circulating red blood cells (neocytolysis trigged by a drop in erythropoietin levels. Objective: The aim of this study was to evaluate the effect of recombinant human erythropoietin beta on the red blood cell storage lesion and apoptosis indices under blood bank conditions. Methods: Each one of ten red blood cell units preserved in additive solution 5 was divided in two volumes of 100 mL and assigned to one of two groups: erythropoietin (addition of 665 IU of recombinant human erythropoietin and control (isotonic buffer solution was added. The pharmacokinetic parameters of erythropoietin were estimated and the following parameters were measured weekly, for six weeks: Immunoreactive erythropoietin, hemolysis, percentage of non-discocytes, adenosine triphosphate, glucose, lactate, lactate dehydrogenase, and annexin-V/esterase activity. The t-test or Wilcoxon's test was used for statistical analysis with significance being set for a p-value 6 weeks under blood bank conditions, with persistent supernatant concentrations of erythropoietin during the entire storage period. Adenosine triphosphate was higher in the Erythropoietin Group in Week 6 (4.19 ± 0.05 µmol/L vs. 3.53 ± 0.02 µmol/L; p-value = 0.009. The number of viable cells in the Erythropoietin Group was higher than in the Control Group (77% ± 3.8% vs. 71% ± 2.3%; p-value <0.05, while the number of apoptotic cells was lower (9.4% ± 0.3% vs. 22% ± 0.8%; p-value <0.05. Conclusions: Under standard blood bank conditions, an important proportion of red blood cells satisfy the criteria of apoptosis. Recombinant human erythropoietin beta seems to improve storage lesion parameters and mitigate apoptosis.

  8. Market Information and Signaling in Central Bank Operations, or, How Often Should a Central Bank Intervene?

    OpenAIRE

    International Monetary Fund

    1997-01-01

    A central bank must decide on the frequency with which it will conduct open market operations and the variability in short-term money market that it will allow. The paper shows how the optimal operating procedure balances the value of attaining an immediate target and broadcasting the central bank's intentions against the informational advantages to the central bank of allowing the free play of market forces to reveal more of the information available to market participants.

  9. Using CSR to mitigate information asymmetry in the banking sector

    OpenAIRE

    Semenescu Andreea; Curmei Cătălin Valeriu

    2015-01-01

    The paper examines the power of corporate social responsibility to reduce information asymmetry and to act as a marketing instrument in the banking sector. Trust is the most important asset of a bank. Therefore, banks are motivated to use the most effective instruments to diminish information asymmetry with their stakeholders. The fact that cash disbursements in CSR actions are not directed towards shareholders makes them more valuable signals to other stakeholders regarding the financial sou...

  10. Cord Blood Banking and Transplantation in China: A Ten Years Experience of a Single Public Bank.

    Science.gov (United States)

    Liu, Jinhui; He, Ji; Chen, Shu; Qin, Fei; Wang, Fang; Xu, Gang; Zhu, Faming; Lv, Hangjun; Yan, Lixing

    2012-02-01

    BACKGROUND: Umbilical cord blood (UCB) has successfully used for transplantation to treat hematologic malignancies and genetic diseases. Herein, we describe the experience generated in a single public UCB bank at Zhejiang Province in China. METHODS: Good manufacturing practice and standard operating procedures were used to address donor selection as well as UCB collection, processing, and cryopreservation. Total nucleated cells (TNCs), cellular viability, CD34+ cells, and colony-forming units were determined, and infectious diseases screening test, sterility test, and HLA typing for UCB units were done. RESULTS: Only 18.51% of all collected UCB units met storage criteria, and 7,056 UCB units were cryopreserved in 10 years. The volume of UCB units was 95.0 ± 22.0 ml. The number of TNCs before and after processing was 13.32 ± 3.63 × 10(8) and 10.63 ± 2.80 × 10(8), respectively, and the recovery rate was 80.71 ± 11.26%. 0.4344 ± 0.1874% of the TNCs were CD34+ cells. The CFU-GM was 32.1 ± 28.0 colonies per 1 × 10(5) nucleated cells. Based mainly on HLA and nucleated cell content, 26 UCB units were released for transplantation. CONCLUSIONS: A public UCB bank was successfully established in China; collection and processing of UCB units should be optimized in order to gain maximum volume and cell count. PMID:22896763

  11. Supporting Informal Learning by Traders in Investment Banks

    Science.gov (United States)

    Chivers, Geoffrey

    2011-01-01

    Purpose: The main aims of this paper are to determine the extent to which experienced traders in investment banks based in London are learning by informal methods, which methods are to the fore, and whether HRD staff are providing support for informal learning. It also seeks to find evidence that such investment banks were attempting to become…

  12. The Impact of Information Technology in Nigeria's Banking Industry

    CERN Document Server

    Oluwatolani, Oluwagbemi; Philip, Achimugu

    2011-01-01

    Today, information technology (IT) has become a key element in economic development and a backbone of knowledge-based economies in terms of operations, quality delivery of services and productivity of services. Therefore, taking advantage of information technologies (IT) is an increasing challenge for developing countries. There is now growing evidence that Knowledge-driven innovation is a decisive factor in the competitiveness of nations, industries, organizations and firms. Organizations like the banking sector have benefited substantially from e-banking, which is one among the IT applications for strengthening the competitiveness. This paper presents the current trend in the application of IT in the banking industries in Nigeria and gives an insight into how quality banking has been enhanced via IT. The paper further reveals that the deployment of IT facilities in the Nigerian Banking industry has brought about fundamental changes in the content and quality of banking business in the country. This analysis...

  13. HIV prevalence among blood donors in a blood bank in Curitiba (Brazil

    Directory of Open Access Journals (Sweden)

    Andrade Neto José Luiz

    2002-01-01

    Full Text Available There still is no cure for the acquired immunodeficiency syndrome (AIDS. Its etiologic agent is the human immunodeficiency virus (HIV, and transmission occurs through sexual relationships, contacts with blood, and vertically (mother to child. In this study, we sought to determine the prevalence of HIV among blood donors at a blood bank in Curitiba. We studied 213,666 blood donations made from March 1, 1992, to April 25, 1999. Each potential blood donor first answered a questionnaire, submitted to a clinical examination, and filled out a self-exclusion card. Blood was collected and analyzed only from the candidates approved by the first two criteria. Two tests were used to detect HIV: ELISA for screening, and Western-Blot for confirmation. The results were analyzed statistically by determining the 95% confidence interval. Of the total number of donors, 156,942 were men, and 56,724 were women. There were 319 cases of HIV infection (244 men, 75 women. There were no significant differences between genders, or among the different age groups, or between first-donation and repeated-donation donors. There was a significant predominance of HIV infection among single individuals compared to married, widowed, and other individuals. The same occurred among married and divorced individuals compared to widowed subjects. The prevalence of HIV among blood donors was 0.149% (0.155% among men and 0.132% among women. The frequency of HIV was statistically identical among new blood donors and repeat donors. A large number of HIV-infected married women was also observed.

  14. 12 CFR 1.5 - Safe and sound banking practices; credit information required.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Safe and sound banking practices; credit information required. 1.5 Section 1.5 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY INVESTMENT SECURITIES § 1.5 Safe and sound banking practices; credit information required. (a)...

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

    Directory of Open Access Journals (Sweden)

    Nicholas M Fisk

    2005-02-01

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

  16. Self-Service Banking: Value Creation Models and Information Exchange

    Directory of Open Access Journals (Sweden)

    Ragnvald Sannes

    2001-01-01

    Full Text Available This paper argues that most banks have failed to exploit the potential of self-service banking because they base their service design on an incomplete business model for self-service. A framework for evaluation of self-service banking concepts is developed on the basis of Stabell and Fjeldstad's three value configurations. The value network and the value shop are consistent with self-service banking while the value chain is inappropriate. The impact of the value configurations on information exchange and self-service functionality is discussed, and a framework for design of such services proposed. Current self-service banking practices are compared to the framework, and it is concluded that current practice matches the concept of a value network and not the value shop. However, current practices are only a partial implementation of a value network-based self-service banking concept.

  17. Access to Credit Information Promotes Market Entries of European Banks

    OpenAIRE

    Nicola Jentzsch; Caterina Giannetti; Giancarlo Spagnolo

    2010-01-01

    When granting credit, banks depend on reliable information about the creditworthiness and risk structure of potential borrowers. This information is typically gathered by national credit bureaus. Nationally established banks depend on information from credit bureaus more than ever, particularly when entering a foreign market. This DIW study (which is partially based upon research by the same authors for the European Credit Research Institute and data collected by the institute) investigates w...

  18. Inside information in bank lending and the European insider directive

    OpenAIRE

    Franke, Günter

    1989-01-01

    The European Community has passed the European Insider Directive which prohibits insider trade in common stock and debt securities. Hence banks are not allowed to sell debt securities when they recieve unfavorable inside information on their borrowers. Until now, German banks have not only been allowed, but even have been expected to collect inside information and to react fast on unfavorable information to protect their solvency and hence the stability of the financial system. This paper ana...

  19. ADMINISTRATION OF THE INFORMATION AND THE PROCESS OF BANK NEGOTIATION

    OpenAIRE

    Almir Lindemann; Clea Beatriz Macagnan

    2009-01-01

    This paper analyzes the quality of the administration of information, identifying deficiencies in the information systems, used in the negotiation process for concession of bank credit, to small and mid-sized companies, under the business managers' perspective. The results make the deficiencies evident and confirm the need for change in the systems of administration of information, in order to allow for both an improvement in the negotiation process of bank credit as well as a larger economic...

  20. Using CSR to mitigate information asymmetry in the banking sector

    Directory of Open Access Journals (Sweden)

    Semenescu Andreea

    2015-12-01

    Full Text Available The paper examines the power of corporate social responsibility to reduce information asymmetry and to act as a marketing instrument in the banking sector. Trust is the most important asset of a bank. Therefore, banks are motivated to use the most effective instruments to diminish information asymmetry with their stakeholders. The fact that cash disbursements in CSR actions are not directed towards shareholders makes them more valuable signals to other stakeholders regarding the financial soundness of the bank. The empirical study conducted based on limited dependent variable models supports the effectiveness of the CSR as marketing instrument in banking. It reveals the circumstances associated to a higher probability of an active CSR policy conducted by a banking institution. The results support the hypothesis that in the banking sector CSR is perceived as an instrument which helps stakeholders reduce information asymmetry. As marketing instrument, CSR contributes to increasing the tangibility of the banking products, decreasing their perceived variability and thus making them more attractive for the clients and allowing for differentiation between competitors.

  1. Blood Banks, Published in Not Provided, Indiana State Department of Health.

    Data.gov (United States)

    NSGIC GIS Inventory (aka Ramona) — This Blood Banks dataset as of Not Provided. Data by this publisher are often provided in UTM coordinate system; in a Transverse Mercator projection; The extent of...

  2. Audit of bank's information security when working with electronic money

    OpenAIRE

    Melnychenko Oleksandr V.

    2013-01-01

    The article is devoted to the audit of the bank's information security when working with electronic money. The author considers main requirements and principles of conducting audit, identifies main directions of the audit, in particular, organisational-technical and legal provision of banks for prevention of violation of integrity, accessibility, confidentiality and observance of information systems, which ensure functioning of the electronic money systems. Moreover, the article pays attentio...

  3. Banks Information Policies, Financial Literacy and Household Wealth

    OpenAIRE

    Fort, Margherita; Manaresi, Francesco; Trucchi, Serena

    2012-01-01

    We investigate the causal effect of financial literacy on financial assets, exploiting banks information policies for identification. In Italy, banks who belong to the PattiChiari consortium have implemented policies aimed at increasing transparency and procedural simplification. These policies may affect individuals' financial literacy without involving any direct cost for clients in terms of time, effort or resources, as we show in the paper. We exploit confidential information on whether i...

  4. Banks Information Policies, Financial Literacy and Household Wealth A

    OpenAIRE

    Fort, Margherita; Manaresi, Francesco; Trucchi, Serena

    2012-01-01

    We investigate the causal effect of financial literacy on financial assets, exploiting banks information policies for identification. In Italy, banks who belong to the PattiChiari consortium have implemented policies aimed at increasing transparency and procedural simplification. These policies may affect individuals' financial literacy without involving any direct cost for clients in terms of time, effort or resources, as we show in the paper. We exploit confidential information on whether i...

  5. Acquisition versus greenfield: The impact of the mode of foreign bank entry on information and bank lending rates

    OpenAIRE

    Claeys, Sophie; Hainz, Christa

    2006-01-01

    Policy makers often decide to liberalize foreign bank entry but put limitations on the mode of entry. We study how different entry modes affect the lending rate set by foreign and domestic banks. Our model captures two essential features of banking competition in emerging markets: Domestic banks possess private information about their incumbent clients and foreign banks have better screening skills. Our model predicts that competition is stronger if foreign entry occurs through a greenfield i...

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

    OpenAIRE

    Nicholas M. Fisk; Roberts, Irene A. G.; Roger Markwald; Vladimir Mironov

    2005-01-01

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

  7. High quality cord blood banking is feasible with delayed clamping practices. The eight-year experience and current status of the national Swedish Cord Blood Bank.

    Science.gov (United States)

    Frändberg, Sofia; Waldner, Berit; Konar, Jan; Rydberg, Lennart; Fasth, Anders; Holgersson, Jan

    2016-09-01

    The National Swedish Cord Blood Bank (NS-CBB) is altruistic and publicly funded. Herein we describe the status of the bank and the impact of delayed versus early clamping on cell number and volume. Cord Blood Units (CBUs) were collected at two University Hospitals in Sweden. Collected volume and nucleated cell content (TNC) were investigated in 146 consecutive Cord Blood (CB) collections sampled during the first quarter of 2012 and in 162 consecutive CB collections done in the first quarter of 2013, before and after clamping practices were changed from immediate to late (60 s) clamping. NS-CBB now holds close to 5000 units whereof 30 % are from non-Caucasian or mixed origins. Delayed clamping had no major effect on collection efficiency. The volume collected was slightly reduced (mean difference, 8.1 ml; 95 % CI, 1.3-15.0 ml; p = 0.02), while cell recovery was not (p = 0.1). The proportion of CBUs that met initial total TNC banking criteria was 60 % using a TNC threshold of 12.5 × 10(8), and 47 % using a threshold of 15 × 10(8) for the early clamping group and 52 and 37 % in the late clamping group. Following implementation of delayed clamping practices at NS-CBB; close to 40 % of the collections in the late clamping group still met the high TNC banking threshold and were eligible for banking, implicating that that cord blood banking is feasible with delayed clamping practices. PMID:27342904

  8. A study of the noncompliance of blood banks on safety and quality parameters in blood donation camps in Bengaluru

    Directory of Open Access Journals (Sweden)

    Rajat Kumar Agarwal

    2015-01-01

    Full Text Available Aims: The compliance of safety and quality parameters laid out by national and international guidelines in outdoor blood donation camps has not been studied in India. Our study aimed at identifying, monitoring, analyzing, and developing preventive strategies for several key parameters associated with the quality and safety of outdoor voluntary blood donation camps (VBDC. Settings: The study covered a total of 424 VBDCs at various locations in Bengaluru, Karnataka (South India from 2009 to 2013. Seven government hospitals based blood banks, three private hospitals based blood banks and two voluntary standalone blood banks participated in the VBDCs included in the study. Materials and Methods: At the onset, the quality and safety standards to be followed were discussed and agreed upon. During the study, noncompliance (NC to the agreed upon standards were recorded and shared. Periodic trainings were also organized to help minimize NC. Results: One or more instances of NC in 73% of the VBDCs. Highest NC were observed associated with punctuality (34%, wearing gloves (16%, hemoglobin (Hb estimation (11% and donor screening and selection other than Hb check (8-9%. Conclusion: For all 16 parameters under study, significant NC was observed. As a whole private hospital based blood banks were more noncompliant. The high degree of NC to matters relating to quality and safety in VBDCs is high and warrants for urgent attention and further study. Our study also shows that regular monitoring and systematic and strategic intervention can decrease the rate of NC.

  9. Cord Blood Banking in the Arab World: Current Status and Future Developments.

    Science.gov (United States)

    Matsumoto, Monica M; Dajani, Rana; Matthews, Kirstin R W

    2015-07-01

    Umbilical cord blood transplants are now used to treat numerous types of immune- and blood-related disorders and genetic diseases. Cord blood (CB) banks play an important role in these transplants by processing and storing CB units. In addition to their therapeutic potential, these banks raise ethical and regulatory questions, especially in emerging markets in the Arab world. In this article, the authors review CB banking in five countries in the region, Jordan, Saudi Arabia, Egypt, Qatar, and the United Arab Emirates, selected for their different CB banking policies and initiatives. In assessing these case studies, the authors present regional trends and issues, including religious perspectives, policies, and demographic risk factors. This research suggests strong incentives for increasing the number of CB units that are collected from and available to Arab populations. In addition, the deficit in knowledge concerning public opinion and awareness in the region should be addressed to ensure educated decision-making. PMID:25687797

  10. Multiple-Bank Lending, Creditor Rights and Information Sharing

    OpenAIRE

    Alberto Bennardo; Marco Pagano; Salvatore Piccolo

    2008-01-01

    Multiple bank lending creates an incentive to overborrow and default. When creditor rights are poorly protected and collateral value is volatile, this incentive leads to rationing and non-competitive interest rates. If banks share information about past debts via credit reporting systems, the incentive to overborrow is mitigated: interest and default rates decrease; credit access improves if the value of collateral is not very volatile, but worsens otherwise. If credit reporting also allows b...

  11. Can Routine Commercial Cord Blood Banking Be Scientifically and Ethically Justified?

    OpenAIRE

    Nicholas M. Fisk; Roberts, Irene A. G.; Markwald, Roger; Mironov, Vladimir

    2005-01-01

    Background to the debate: Umbilical cord blood—the blood that remains in the placenta after birth—can be collected and stored frozen for years. A well-accepted use of cord blood is as an alternative to bone marrow as a source of hematopoietic stem cells for allogeneic transplantation to siblings or to unrelated recipients; women can donate cord blood for unrelated recipients to public banks. However, private banks are now open that offer expectant parents the option to pay a fee for the chanc...

  12. Analysis of reasons for discarding blood and blood components in a blood bank of tertiary care hospital in central India: A prospective study

    OpenAIRE

    Alok Kumar; Satish Sharma,; Narayan Shyamrao Ingole; Nitin Gangane

    2014-01-01

    Background: Many modern surgical procedures could not be carried out without the use of blood. There are no substitutes for human blood. Thus, proper utilization of blood is necessary with minimal wasting. Materials and Methods: A total of 10,582 donors donated blood during the study period of 19 months in blood bank of a tertiary care hospital, central India from 1 st of November 2009 to 31 st May 2011, which were screened. Results: A total of 346 whole blood bags were discarded. Out of thes...

  13. Institutionalization of Information Security: Case of the Indonesian Banking Sector

    Science.gov (United States)

    Nasution, Muhamad Faisal Fariduddin Attar

    2012-01-01

    This study focuses on the institutionalization of information security in the banking sector. This study is important to pursue since it explicates the internalization of information security governance and practices and how such internalization develops an organizational resistance towards security breach. The study argues that information…

  14. A Review of Factors Influencing the Banking of Collected Umbilical Cord Blood Units

    OpenAIRE

    David Allan; Tanya Petraszko; Heidi Elmoazzen; Susan Smith

    2013-01-01

    Umbilical cord blood banking efforts have increased dramatically in the past two decades in response to increasing demand for alternative sources of blood stem cells to support patients requiring hematopoietic stem cell transplantation. Transplant centres have accumulated increasing expertise in their understanding of umbilical cord blood characteristics that are associated with improved outcome following transplantation. These characteristics and factors can assist transplant centres in sele...

  15. Standardization of information systems development processes and banking industry adaptations

    CERN Document Server

    Tanrikulu, Zuhal

    2011-01-01

    This paper examines the current system development processes of three major Turkish banks in terms of compliance to internationally accepted system development and software engineering standards to determine the common process problems of banks. After an in-depth investigation into system development and software engineering standards, related process-based standards were selected. Questions were then prepared covering the whole system development process by applying the classical Waterfall life cycle model. Each question is made up of guidance and suggestions from the international system development standards. To collect data, people from the information technology departments of three major banks in Turkey were interviewed. Results have been aggregated by examining the current process status of the three banks together. Problematic issues were identified using the international system development standards.

  16. Analysis of reasons for discarding blood and blood components in a blood bank of tertiary care hospital in central India: A prospective study

    Directory of Open Access Journals (Sweden)

    Alok Kumar

    2014-01-01

    Full Text Available Background: Many modern surgical procedures could not be carried out without the use of blood. There are no substitutes for human blood. Thus, proper utilization of blood is necessary with minimal wasting. Materials and Methods: A total of 10,582 donors donated blood during the study period of 19 months in blood bank of a tertiary care hospital, central India from 1 st of November 2009 to 31 st May 2011, which were screened. Results: A total of 346 whole blood bags were discarded. Out of these 346 blood bags, 257 (74.30% were discarded because of seropositivity for transfusion transmissible infectious diseases. A total of 542 blood components were discarded against 3702 blood components prepared during the study period. Among blood components discarded, most common units were platelets. The most common cause of discarding the blood components was expiry of date due to non-utilization (87.00%. Conclusion: A properly conducted donor interview, notification of permanently deferred donors will help in discarding less number of bags from collected units. Similarly, properly implemented blood transfusion policies will also help in discarding less number of blood bags due to expiry. These discarded bags, because they are unutilized are both financially as well as socially harmful to the blood bank.

  17. INFORMATION AND COMMUNICATION TECHNOLOGY AND BANKS PROFITABILITY IN NIGERIA.

    Directory of Open Access Journals (Sweden)

    Obasan Kehinde Agbolade

    2011-08-01

    Full Text Available The role of information in the actualization of various organizational objectives cannot be over-emphasized has it ensure prompt delivery of resources essential to attain an enviable ends. The contemporary business milieu is very dynamic and experiences rapid changes due to creativity, innovation, hi-tech changes, increased perceptionand demands from clienteles. Business organizations, especially the banking industry is operating in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate with Information and Communication Technology (ICT is at the centre of the change curve. Using a primary data sourced through a structured questionnaire administered to selected banks in south-west Nigeria and the Ordinary Least Square approach econometric techniques, this study examined the nature of the relationship that exist between Banks Profitability and the Adoption of Information and Communication Technology. The data analysis showed that a positive correlation exists between ICT and banks profitability in Nigeria. This implies that a marginal change in the level of the investment and adoption of ICT in the banking industry will result to a proportionate increase in the profit level. This is confirmed by the level of the regression coefficient as well as the factor analysis which revealed that an insignificant size of profit exist without the introduction of the ICT

  18. Quality control measures in cord blood banking in India - critical appraisal and recommendations.

    Science.gov (United States)

    Vaidya, Anuradha; Singhania, Smita

    2013-01-01

    Umbilical cord blood (UCB) is a potential source of primitive hematopoietic stem and progenitor cells (HSPC) available for clinical application to reconstitute the hematopoietic system in patients lacking conventional stem cell donors. In the last decade because the frequency of UCB stem cell transplantation has increased, the quality of UCB available in banks has become an important criterion for the success of any UCB stem cell transplant. Moreover, with the growing numbers of cord blood banks there is not only a need to improvise quality issues but to also develop a more homogenous approach in setting standards and regulations for assessing them. The present article provides an insight on the importance of cord blood banking in India and the impending requirement to provide clarity on certain issues regarding UCB banking. Furthermore, the article discusses about certain practical approaches which could perhaps be referred to as guidelines (and by no means be solely adopted as the only measures) by cord blood banks in India for establishing or maintaining a standard for quality control (QC) measures. PMID:24698987

  19. A study on patterns of co-infections among blood donors at the blood bank of a tertiary care referral teaching hospital in South India

    OpenAIRE

    Suresh B; Sreedhar Babu KV; Chandra Mouli P; Jothibai DS

    2016-01-01

    Background: Blood serves as a vehicle for transmission of blood-borne pathogens including human immunodeficiency virus (HIV), hepatitis B virus (HBV), hepatitis C virus (HCV), malaria parasite (MP) and syphilis. Safe blood and blood products should be transfused to all patients in need for blood transfusion. Material and Methods: All blood donors attending to the blood bank during the period January 2009 to December 2014 were screened for hepatitis B surface antigen (HBsAg), anti HCV antib...

  20. Survival of Treponema pallidum in banked blood for prevention of Syphilis transmission

    Science.gov (United States)

    Adegoke, Adeolu O.; Akanni, Olufemi E.

    2011-01-01

    Background: Every year, millions of people are exposed to avoidable, life-threatening risks through the trans-fusion of unsafe blood. Aim: To determine the survival time of Treponema pallidum in banked donor blood. Material and Methods: Two groups of male Wistar rats (group A and B) were inoculated intratesticularly with 0.5ml of artificially infected donor blood (final density of Nichols treponemes: 5×105 /ml) stored at 4°C for various periods of time. In group A, a pair each of the rats was injected every 12 hours, starting at 0 hr, up to a maximal storage time of 96 hr. In group B, the rats were injected after 72, 120, 192 and 336 hours of storage of the treponemes-blood mixture. Group C which is a control group was injected with blood only, while group D rats were injected with heat-killed treponemes suspended in blood every 12 hours. The detection of Treponema pallidum IgG/IgM was based on the principle of double antigen sandwich immunoassay, in which purified recombinant antigens are employed sufficiently to identify antibodies to Syphilis. The outcomes of interest included the proportion of Syphilis positive rats and the maximal survival hours of T. pallidum in banked blood. Results: 14 rats (77.8%) out of the 18 rats that were involved in group A developed orchitis and positive serology up to 72 hours of storage time, p<0.05. 2 rats (25%) in group B developed orchitis after 72hrs of storage time. All the 18 rats (100%) in the control group C and D showed neither clinical nor serological changes. Conclusion: It was concluded that the survival time of T. pallidum in banked donor blood lies between 72-120hrs in this study. Regardless of blood banking temperature, T. pallidum and other transfusion transmissible infections should be screened for prior to allogeneic transfusion. PMID:22540107

  1. Survival of Treponema pallidum in banked blood for prevention of Syphilis transmission

    Directory of Open Access Journals (Sweden)

    Adeolu O. Adegoke

    2011-07-01

    Full Text Available Background: Every year, millions of people are exposed to avoidable, life-threatening risks through the trans¬fusion of unsafe blood. Aim: To determine the survival time of Treponema pallidum in banked donor blood. Material and Methods: Two groups of male Wistar rats (group A and B were inoculated intratesticularly with 0.5ml of artificially infected donor blood (final density of Nichols treponemes: 5x105/ml stored at 4oC for various periods of time. In group A, a pair each of the rats was injected every 12 hours, starting at 0 hr, up to a maximal storage time of 96 hr. In group B, the rats were injected after 72, 120, 192 and 336 hours of storage of the treponemes-blood mixture. Group C which is a control group was injected with blood only, while group D rats were injected with heat-killed treponemes suspended in blood every 12 hours. The detection of Treponema pallidum IgG/IgM was based on the principle of double antigen sandwich immunoassay, in which purified recombinant antigens are employed sufficiently to identify antibodies to Syphilis. The outcomes of interest included the proportion of Syphilis positive rats and the maximal survival hours of T. pallidum in banked blood. Results: 14 rats (77.8% out of the 18 rats that were involved in group A developed orchitis and positive serology up to 72 hours of storage time, p<0.05. 2 rats (25% in group B developed orchitis after 72hrs of storage time. All the 18 rats (100% in the control group C and D showed neither clinical nor serological changes. Conclusion: It was concluded that the survival time of T. pallidum in banked donor blood lies between 72-120hrs in this study. Regardless of blood banking temperature, T. pallidum and other transfusion transmissible infections should be screened for prior to allogeneic transfusion.

  2. Survival of Treponema pallidum in banked blood for prevention of Syphilis transmission

    Directory of Open Access Journals (Sweden)

    Adeolu O Adegoke

    2011-01-01

    Full Text Available Background: Every year, millions of people are exposed to avoidable, life-threatening risks through the trans-fusion of unsafe blood. Aim : To determine the survival time of Treponema pallidum in banked donor blood. Material and Methods : Two groups of male Wistar rats (group A and B were inoculated intratesticularly with 0.5ml of artificially infected donor blood (final density of Nichols treponemes: 5x10 5 /ml stored at 4 o C for various periods of time. In group A, a pair each of the rats was injected every 12 hours, starting at 0 hr, up to a maximal storage time of 96 hr. In group B, the rats were injected after 72, 120, 192 and 336 hours of storage of the treponemes-blood mixture. Group C which is a control group was injected with blood only, while group D rats were injected with heat-killed treponemes suspended in blood every 12 hours. The detection of Treponema pallidum IgG/IgM was based on the principle of double antigen sandwich immunoassay, in which purified recombinant antigens are employed sufficiently to identify antibodies to Syphilis. The outcomes of interest included the proportion of Syphilis positive rats and the maximal survival hours of T. pallidum in banked blood. Results : 14 rats (77.8% out of the 18 rats that were involved in group A developed orchitis and positive serology up to 72 hours of storage time, p<0.05. 2 rats (25% in group B developed orchitis after 72hrs of storage time. All the 18 rats (100% in the control group C and D showed neither clinical nor serological changes. Conclusion : It was concluded that the survival time of T. pallidum in banked donor blood lies between 72-120hrs in this study. Regardless of blood banking temperature, T. pallidum and other transfusion transmissible infections should be screened for prior to allogeneic transfusion.

  3. 45 CFR 61.12 - Requesting information from the Healthcare Integrity and Protection Data Bank.

    Science.gov (United States)

    2010-10-01

    ... SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION... Integrity and Protection Data Bank § 61.12 Requesting information from the Healthcare Integrity and Protection Data Bank. (a) Who may request information and what information may be available. Information...

  4. Information Technology and Accounting Information System in the Nigerian Banking Industry

    OpenAIRE

    Kabiru I. Dandago; Abdullahi Sani Rufai

    2014-01-01

    Information technology has tremendously stimulated expansion of the banking networks and range of the offered services during recent years. The information technology has become a critical business resource because its absence could result in poor decisions and ultimately business failure. This study intends to find out the information technology influence on accounting information production in the Nigerian banking industry. Both primary and secondary data were used and Analysis of Variance ...

  5. PSYCHOSOCIAL VARIABLES OF HIGHLY MOTIVATED VOLUNTARY BLOOD DONORS AT BLOOD BANK OF A MEDICAL COLLEGE

    OpenAIRE

    Bhalodia Jignasa N; Patel Kinara A; Oza Hiren V

    2012-01-01

    Background: The adequacy of blood depends on blood donation rates and numbers of blood donors. To prepare adequate blood supplies, it is essential to investigate the factors that motivate individuals from donating. This study aimed to identify the character of highly motivated donors. This study was undertaken to study the motivational factors leading to voluntary blood donation and understanding the psychosocial variables of blood donors. Methodology: We selected 50 regular blood donors who ...

  6. Information Contagion and Inter-Bank Correlation in a Theory of Systemic Risk

    OpenAIRE

    Acharya, Viral V; Yorulmazer, Tanju

    2003-01-01

    Two aspects of systemic risk, the risk that banks fail together, are modeled and their interaction examined. First, the ex-post aspect, in which the failure of a bank brings down a surviving bank as well, and second, the ex-ante aspect, in which banks endogenously hold correlated portfolios increasing the likelihood of joint failure. When bank loan returns have a systematic factor, the failure of one bank conveys adverse information about this systematic factor and increases the cost of borro...

  7. [Establishing an umbilical cord blood bank for unrelated allogenic stem cell transplantation].

    Science.gov (United States)

    Tichelli, A; Surbek, D; Huxol, H; Schmolck, C; John, L; Wicki, R; Hoffmann, T; Wodnar-Filipowicz, A; Passweg, J; Kühne, T; Imbach, P; Holzgreve, W; Gratwohl, A

    1998-10-17

    We report the establishment of a cord-blood bank in a routine hematological laboratory. Cord-blood collection was performed with placenta in utero by a trained team and immediately sent to the cord-blood bank. There, 6.8 ml cord-blood was used for analysis of nucleated cell counts, counts of CD34-positive cells, CFU's, complete HLA-typing, ABO and Rhesus blood groups, bacteriologic cultures and serology for HIV 1 and 2, HbsAg, HVC, CMV, syphilis and toxoplasmosis. The cord-blood collection was frozen and conserved at -192 degrees C. From each cord-blood vials of DNA, viable cells and plasma were cryopreserved. Between June 1997 and April 1998, 54 cord-bloods were collected. 40 of them were cryo-preserved, and 14 discarded because of low cell counts. The median volume was 109 ml with 1.4 x 10(9) nucleated cells. The in vitro capacity of proliferation of the cord-blood correlated well with the absolute counts of CD34-positive cells (r = 0.93), moderately with the relative counts of CD34 (r = 0.68) as well as the nucleated cells (r = 0.70), poorly with the volume (r = 0.44). Three of the 40 (7.5%) cord-blood products contained a bacterial contamination. This study shows that a cord-blood bank can be organised in a routine hematological laboratory, which is familiar with transplantation products. However, the procedure is time consuming, expensive and requires a highly qualified team and specialised technical equipment. PMID:9824889

  8. Automation and data processing with the immucor Galileo (R) system in a university blood bank

    OpenAIRE

    Wittmann, Georg; Frank, Josef; Schramm, Wolfgang; Spannagl, Michael

    2007-01-01

    Background: The implementation of automated techniques improves the workflow and quality of immuno-hematological results. The workflows of our university blood bank were reviewed during the implementation of an automated immunohematological testing system. Methods: Work impact of blood grouping and subgrouping, cross- matching and antibody search using the Immucor Galileo system was compared to the previous used standard manual and semi- automated methods. Results: The redesign of our workflo...

  9. Distribution of ABO and rhesus (D blood group antigens among blood donors at a tertiary care teaching hospital blood bank in south India

    Directory of Open Access Journals (Sweden)

    Suresh B

    2015-04-01

    Full Text Available Background: The ABO and Rhesus (Rh blood group systems are important for transfusion of blood and its components, organ transplantation, genetic studies and in medico-legal issues. Despite the long list of several other blood groups discovered so far, the knowledge and distribution of ABO and Rh-D blood group are essential for effective management of blood bank inventory. Methods: We retrospectively studied the distribution of ABO and Rh blood group antigens in donors presenting to our tertiary care teaching hospital blood bank in south India during the period January 2007 to August 2014. Blood group was determined by commercially available standard monoclonal antisera by test tube agglutination technique. Results: A total of 49,110 donor samples were tested during the study period for ABO grouping and Rh-D typing. Out of these 96.9% were males. The frequency of O, B, A, AB and Bombay blood groups were 41.7%, 32.2% 20%, 6.1% and 0.03% respectively. Rh (D positive and negative blood groups were seen in 92.8% and 7.2% respectively. The allele frequencies of the I A , IB and IO alleles were 0.1398, 0.2148 and 0.6454 respectively. In case of Rh-D group, the calculated gene frequencies for ID and Id were 0.7321 and 0.2679 respectively. Conclusion: Knowledge of blood group systems as documented in the present study helps in efficient management of blood bank and transfusion services in emergencies.

  10. Survival of Treponema pallidum in banked blood for prevention of Syphilis transmission

    OpenAIRE

    Adeolu O. Adegoke; Akanni, Olufemi E.

    2011-01-01

    Background: Every year, millions of people are exposed to avoidable, life-threatening risks through the trans-fusion of unsafe blood. Aim : To determine the survival time of Treponema pallidum in banked donor blood. Material and Methods : Two groups of male Wistar rats (group A and B) were inoculated intratesticularly with 0.5ml of artificially infected donor blood (final density of Nichols treponemes: 5x10 5 /ml) stored at 4 o C for various periods of time. In group A, a pair each of the rat...

  11. PSYCHOSOCIAL VARIABLES OF HIGHLY MOTIVATED VOLUNTARY BLOOD DONORS AT BLOOD BANK OF A MEDICAL COLLEGE

    Directory of Open Access Journals (Sweden)

    Bhalodia Jignasa N

    2012-02-01

    Full Text Available Background: The adequacy of blood depends on blood donation rates and numbers of blood donors. To prepare adequate blood supplies, it is essential to investigate the factors that motivate individuals from donating. This study aimed to identify the character of highly motivated donors. This study was undertaken to study the motivational factors leading to voluntary blood donation and understanding the psychosocial variables of blood donors. Methodology: We selected 50 regular blood donors who have donated blood five or more than five times. Results: It was observed that most of the voluntary donors were males (94% and belonged to age group 41-50 years (42%. Most of the donors (86% had studied up to graduate and above. 70% donors have donate up to 30 times and 88% donors have started their first donation before 25 years of age. 94% donors have donated blood first time in voluntary blood donation camp. Conclusion: Motivation, recruitment and retention of voluntary blood donors are important criteria to achieve safe blood donation. [National J of Med Res 2012; 2(1.000: 39-41

  12. New Media and Challenges of Information Control: A Study among Commercial Banks' Information Managers in Nigeria

    Directory of Open Access Journals (Sweden)

    Pius A. Onobhayedo

    2015-10-01

    Full Text Available Founded on digital technology, new media forms empower users to easily broadcast or narrowcast at low cost and without intermediary gatekeepers. Arguably, such empowerment may be frowned at by banks' information managers as their industry seem particularly vulnerable in the face of imprudent public dissemination of internal information. For example, negative information that goes viral on social media has the potential to cause grave damage to a bank's reputation and could even lead to a run on the bank. Despite the aforementioned new media empowerment and risk dilemma, the academic literature is surprisingly silent about the challenges facing sensitive industries like banks in the control of information in the new media age. We therefore carried out a study among information managers in selected commercial banks in Nigeria to find out their attitude towards the empowerment and risk dilemma posed by new media and how the latter affects their work as organization's information controllers or gatekeepers. Out of the 22 commercial banks that operate in Nigeria, 13 commercial banks were selected using lottery method. Survey and in-depth interviews were carried out among the banks' information managers. In addition, survey questionnaires were distributed among three other subgroups of stakeholders – bank customers, bank employees and journalists. Twelve of the thirteen information managers studied indicated that they use social media to disseminate organizational information. However, all agree that social media is the media form that poses the greatest challenge in terms of controlling the dissemination of information about their organization. Furthermore, in comparison to customers and employees, journalists were perceived by the information managers as the stakeholders that most undermine the ethics of communication. This position seems corroborated by the finding that majority (76% of the journalists surveyed affirmed that they've used their

  13. Tissue Banking: Relationship with Blood Donor and Organ Donor Card Status

    OpenAIRE

    McKenzie, Kenneth D.; Fitzpatrick, Patricia E.; Sheehan, John D.

    2012-01-01

    Understanding the relationships among altruistic health acts may serve to aid therapeutic research advances. In this paper, we report on the links between two such behaviours—donating blood and carrying an organ donor card—and willingness to donate urological tissue to a tissue bank. Reasons for the differential willingness to do so are examined in this paper. A systematic sample of 259 new and returning attendees at a tertiary urology referral clinic in Ireland completed a self-report questi...

  14. Development of a customer service program in a large, multi-site blood bank.

    Science.gov (United States)

    Barnes, D A; Goldman, R L

    1992-01-01

    The concepts of Total Quality Management (TQM) and Continuous Quality Improvement (CQI) have been widely applied but not in the unique ambulatory care setting represented by Irwin Memorial Blood Centers (IMBC). The traditional definition of quality for blood banks has been concerned with the products offered to physicians, hospitals and patients. This program expanded the definition to include customer service. A Quality of Service Steering Committee (QSSC) identified the needs and requirements of Irwin's key customer groups as a first step in embarking on its Quality of Service Program (QSP). PMID:10166345

  15. Cord blood banking - bio-objects on the borderlands between community and immunity.

    Science.gov (United States)

    Brown, Nik; Williams, Rosalind

    2015-01-01

    Umbilical cord blood (UCB) has become the focus of intense efforts to collect, screen and bank haematopoietic stem cells (HSCs) in hundreds of repositories around the world. UCB banking has developed through a broad spectrum of overlapping banking practices, sectors and institutional forms. Superficially at least, these sectors have been widely distinguished in bioethical and policy literature between notions of the 'public' and the 'private', the commons and the market respectively. Our purpose in this paper is to reflect more critically on these distinctions and to articulate the complex practical and hybrid nature of cord blood as a 'bio-object' that straddles binary conceptions of the blood economies. The paper draws upon Roberto Esposito's reflections on biopolitics and his attempt to transcend the dualistic polarisations of immunity and community, or the private and the public. We suggest that his thoughts on immunitary hospitality resonate with many of the actual features and realpolitik of a necessarily internationalised and globally distributed UCB 'immunitary regime'. PMID:26449725

  16. Public banking of umbilical cord blood or storage in a private bank: testing social and ethical policy in northeastern Italy

    Directory of Open Access Journals (Sweden)

    Parco S

    2013-04-01

    determination method. We found that the chemiluminescence method was more specific (97.0% than the TPHA (83.0% and nontreponemal rapid plasma reagin VDRL (75.0% tests (P < 0.05, χ2 test. The specificity link between the two automatic methods versus microscopes for WBC dosing and NRBC interference was r2 = 0.08 (ADVIA 120 and r2 = 0.94 (XE-2100. The public system does not include human T-cell lymphotropic virus testing; this is reserved for the population from endemic zones. Conclusion: In northeastern Italy current legislation prevents the establishment of private fee-based banks for storage of CB-SC. The cryopreservation, for future autologous personal or family use, is possible only by sending to foreign private banks, with a further fee of €300. These regulations confirm that Italian legislation tries to increase the anonymous allogenic donations and the number of CB-CS bags stored in the free-cost public system, that are available to anyone with therapeutic needs. Private banking is used almost exclusively by the wealthier local population. In the public system, many physicians continue to use older Italian laws regarding syphilis diagnosis, and NRBC interference on WBC count may have an impact on cord blood harvesting. Our findings suggest that in the EU there is no consensus policy on donor management. The value of storage for potential use within the family is useful only with collaboration between the public and the private systems. Keywords: cord blood collection, public system, private system, pregnant women's choice

  17. TRENDS AND PREVALENCE OF INFECTIOUS MARKERS AMONG BLOOD DONORS FROM BLOOD BANK OF A TERTIARY CARE HOSPITAL

    Directory of Open Access Journals (Sweden)

    Sujata Kumbhar

    2015-01-01

    Full Text Available SUMMARY: Blood transfusion services form an integral part of health care; but simultaneously carries the risk of transmission of transfusion transmissible infections. We conducted a 5yr retrospective cross sectional study to estimate the prevalence of various infectious markers in the blood donors which was found to be 2.04%. INTRODUCTION : Blood safety is a major concern among health care personnel. We undertook this study to assess the prevalence of transfusion transmissible infections (TTI's namely - HIV, Hepatitis C, Syphilis and Malaria among blood donors from blood bank of a tertiary care hospital, in Western Maharashtra, India. METHODS : A total of 21,293 blood units were collected from donors. All blood units were screened for HIV, HBs Ag and HCV using ELISA. Test for syphilis was done by Rapid Plasma Reagin card test and peripheral smear examination was done to detect malarial parasite. RESULTS : A total of 21,293 blood donors were tested, of which 19,940 (93.65% were voluntary donors and 1,353 (6.35% were replacement donors. The highest seroprevalence observed was for HBs Ag (1.55% followed by HIV (0.38%, HCV (0.08% and Syphilis (0.02%. No donor was found to be positive for malaria parasite. CONCLUSION : Strategies need to be implemented to improve donor selection, using highly sensitive and specific screening tests and a better structured voluntary donation system. Nucleic acid amplification test would help to detect donors in window period for HIV infection. In view of high prevalence, effective community based programs and health education with emphasis on sexually transmitted diseases may prove helpful to decrease the seroprevalence.

  18. 75 FR 60347 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2010-09-30

    ...). See 69 FR 38811 (June 29, 2004), codified at 12 CFR part 998. Each Bank subsequently registered a... Among Federal Home Loan Banks AGENCY: Federal Housing Finance Agency. ACTION: Notice of proposed... (HERA) amended the Federal Home Loan Bank Act (Bank Act) to require the Federal Housing Finance...

  19. Trend of Hepatitis B Surface Antigen (HBsAg) among blood donors at the blood bank of a tertiary care referral teaching hospital in Southern India

    OpenAIRE

    Yashovardhan A.; Sreedhar Babu K.V.; Jothi Bai D.S.

    2015-01-01

    Background: Blood is a scarce, but lifesaving resource; it is also the most efficient vehicle for the transmission of Hepatitis B virus (HBV). Hence there is a need for accurate screening of hepatitis B surface antigen (HBsAg) among blood donors. The present study was designed to assess the seroprevalence of HBsAg, among the voluntary and replacement blood donors in the blood bank of a tertiary care referral teaching hospital in Andhra Pradesh. Methods: This is a prospective cross sectiona...

  20. Mine Blood Donors Information through Improved K-Means Clustering

    OpenAIRE

    Venkateswarlu, Bondu; Raju, Prof G. S. V. Prasad

    2013-01-01

    The number of accidents and health diseases which are increasing at an alarming rate are resulting in a huge increase in the demand for blood. There is a necessity for the organized analysis of the blood donor database or blood banks repositories. Clustering analysis is one of the data mining applications and K-means clustering algorithm is the fundamental algorithm for modern clustering techniques. K-means clustering algorithm is traditional approach and iterative algorithm. At every iterati...

  1. Seroprevalence of transfusion transmissible infections among blood donors at the blood bank of a Medical College of Kolkata

    Directory of Open Access Journals (Sweden)

    Prasanta Ray Karmakar

    2014-01-01

    Full Text Available Seroprevalence of transfusion transmissible infections (TTIs among blood donors can be used to monitor the prevalence among apparently healthy adult population. The present study was conducted to determine the profile of blood donors and seroprevalence of TTI among them. Retrospective analysis of the donors of a blood bank attached with a tertiary care hospital of Kolkata in 2011 was carried out. Data were analyzed with SPSS version 17. Majority (85% of the donors were male, two-third in the age group of 21-40 years. Among the donors 2.79% were positive for any of the screened TTIs. Seroprevalence was highest for hepatitis B (1.41% followed by human immunodeficiency virus (0.60% and hepatitis C (0.59% and least for syphilis (0.23%. Seropositivity increased with age up to 50 years. There was no significant difference in seropositivity between male and female. Highly sensitive donor screening and public awareness program can make transfusion of blood products safe.

  2. Business on hope: a case study on private cord blood stem cell banking.

    Science.gov (United States)

    Kiatpongsan, Sorapop

    2008-04-01

    Traditionally, medical practice has been recognized as one of the professional practices with high honors. The interaction between physicians and patients is to provide health care services without the profit orientation. In modernized economy and in today's world of business, the relationship between doctors and patients has been dramatically changed. This transformation is very obvious in the private sector. Health care providers sell their services. Patients have been approached as customers. Decisions to make an investment on new medical technologies or new services would accompany with careful consideration on cost-benefit ratio, on marketing and also on short and long term return of the investment. However most of the medical services available in the past were focusing on the "real" and "tangible" products. This means that the patients or the customers would obtain diagnosis, treatment, palliation or prevention for the fees they paid. They can at least obtain and can feel some direct or indirect health benefits from the services. With the advancement of science and technology, there is recently a new model of business that sells only the hope for future use. Private cord blood stem cell banking is a good example for this business model. Actually, business on hope is not the brand new business model. Insurance is a well-known classical prototype of business on hope. However, when this kind of business model is applied for medical services, there should be some precautions and also intervention including an oversight system from the government sector to make sure that all the information delivered to the clients and family is accurate and unbiased. From the public policy perspective, this business of hope should be appropriately regulated to preserve consumer rights while promoting the advancement of science and technology through sustainable business development. PMID:18556871

  3. Production of dendritic cells and cytokine-induced killer cells from banked umbilical cord blood samples

    Directory of Open Access Journals (Sweden)

    Phuc Van Pham

    2015-11-01

    Full Text Available Umbilical cord blood (UCB is considered to be a source of hematopoietic stem cells (HSCs. All UCB banks have recently become interested in the isolation and storage of HSCs for the treatment of hematological diseases. However, UCB was also recently confirmed as a source of immune cells for immunotherapy such as dendritic cells (DCs and cytokine-induced killer cells (CIKs. This study aimed to exploit this source of immune cells in banked UCB samples. After collection of UCB samples, mononuclear cells (MNCs containing stem cells, progenitor cells, and mature cells were isolated by Ficoll-Hypaque-based centrifugation. The MNCs were subjected to freezing and thawing according to a previously published protocol. The banked MNCs were used to produce DCs and CIKs. To produce DCs, MNCs were induced in RPMI 1640 medium supplemented with GM-CSF (50 ng/ml and IL-4 (40 ng/ml for 14 days. To produce CIKs, MNCs were induced in RPMI 1640 medium supplemented an anti-CD3 monoclonal antibody, IL-3, and GMC-SF for 21 and ndash;28 days. Both DCs and CIKs were evaluated for their phenotypes and functions according to previously published protocols. The results showed that banked UCB samples can be successfully used to produce functional DCs and CIKs. These samples are valuable sources of immune cells for immunotherapy. The present results suggest that banked UCB samples are useful not only for stem cell isolation, but also for immune cell production. [Biomed Res Ther 2015; 2(11.000: 402-408

  4. ANALYSIS OF DISCARD OF WHOLE BLOOD AND BLOOD COMPONENTS IN GOVERNMENT HOSPITAL BLOOD BANK IN CENTRAL INDIA

    OpenAIRE

    Vedita Bobde; Sanjay Parate; Dinkar Kumbhalkar

    2015-01-01

    BACKGROUND: Transfusion requests are always more than the supply due to advances in health care delivery . Injudicious use of whole blood and blood components strains the transfusion services. This mandates the proper analysis of real need of transfusion and the discard of this scarce resource. MATERIALS & METHODS: Total 31143 voluntary and...

  5. Information Production, Banking Industry Structure and Credit Allocation

    OpenAIRE

    Chiesa, G

    1998-01-01

    Does the removal of intra-state entry barriers increase welfare? Will all banks survive? Will it lead to a consolidation of the banking industry? The experience of credit market deregulation has not been always successful. Credit market liberalisation, via the removal of entry barriers, of limitations of activity and of markets for funding is generally recognised at the origin of banking crises like the American Savings & Loans, the Scandinavian countries’ banking crises at the end of the 80’...

  6. Unusual spontaneous cold auto-hemagglutination phenomenon in blood units stored under blood bank condition: A retrospective analysis

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    Sanmukh R Joshi

    2015-01-01

    Full Text Available Background: Cold agglutinins (CA are benign naturally occurring low titer autoantibodies present in most individuals. Those with moderate strength are found in infections, malignancies or autoimmune conditions with diagnostic importance. Aim: Present report deals with CA that brought spontaneous hemagglutination in blood units stored at 2-6°C. Study design: Over 32 months period between July 1993 and December 1995, blood units were inspected for spontaneous cold auto-hemagglutination (SpCA phenomenon. The plasma from these units was separated and investigated for serological specificity using in house red cell panel and standard serological methods. Results: Among 51,671 blood units, 112 units showed SpCA phenomenon. A rising trend seen in first half of study period significantly fell in remaining half. Specificities of the antibodies detected include anti-I (27, anti-i (53, anti-Pr (21 with remaining few being undetermined specificity. Absorption of serum using enzyme-treated red cells revealed a presence of anti-Pr among the cases, the two of which with new specificities that reacted preferentially with red cells from either new-born or adults and were tentatively named as anti-Pr Fetal and anti-Pr adult , respectively. While 9 cases showed optimum reaction at neutral pH of 7, 68 (62% cases reacted at pH 5.8 through 8.0, 28 (26% cases preferred an acidic pH 5.8 and 4 cases opted an alkaline pH 8. Of 28 cases with antibodies preferentially reacting in acidic medium, 17 (60% cases were anti-i and 7 (25% cases were anti-Pr. Conclusion: Unique SpCA phenomenon observed in blood units stored under blood bank conditions seems to be due to CA developed in response to vector-borne infectious agents. Majority of the cases displayed their specificities, otherwise are rare to be encountered.

  7. Directed sibling cord blood banking for transplantation: the 10-year experience in the national blood service in England.

    Science.gov (United States)

    Smythe, Jon; Armitage, Sue; McDonald, Dorothy; Pamphilon, Derwood; Guttridge, Martin; Brown, Juliette; Green, Ann; Brown, Colin; Warwick, Ruth M; Lankester, Alan; Fehily, Deirdre; Contreras, Marcela; Navarrete, Cristina; Watt, Suzanne M

    2007-08-01

    Umbilical cord blood (UCB) is an important source of hematopoietic stem cells for transplantation. Although UCB is often collected from unrelated donors, directed umbilical cord blood (DCB) from sibling donors also provides an important source of UCB for transplantation. This report summarizes the experience in collection, testing, storage, and transplantation of DCB units by the National Blood Service for England and North Wales over 10 years. Eligibility for collection was based on an existing sibling suffering from a disease that may be treated by stem cell transplantation or a family history that could result in the birth of a sibling with a disease that could be treated by stem cell transplantation. Collections were made on the provision that the sibling's clinician was willing to financially support the collection and to take responsibility for medical review of the mother and potential recipient. Given the high investment in UCB banking and the introduction of new regulations and mandatory licensing under the European Union Tissues and Cells Directive and those proposed in the U.S., this report details the procedures that we have used for DCB donations, the outcome data where donations have been used for transplantation, and it provides some timely recommendations for best practices. Disclosure of potential conflicts of interest is found at the end of this article. PMID:17510215

  8. A Need for Renewed and Cohesive US Policy on Cord Blood Banking.

    Science.gov (United States)

    Matsumoto, Monica M; Matthews, Kirstin R W

    2015-12-01

    Stem cells obtained from umbilical cord blood (CB) are used to treat more than 80 different diseases and are a standard treatment for many types of leukemias, lymphomas, myelodysplasias, and inherited immune system disorders. CB transplants have been carried out in humans for over 25 years, and hundreds of clinical trials are currently underway investigating CB's therapeutic potential for a wide range of disorders, including autism, diabetes, cerebral palsy, and spinal cord injury. Extensive storage facilities have been established in the United States and around the world to collect, test, and freeze CB for later use in medical procedures. However, a divide between two different banking models-public versus private-has emerged, presenting several policy challenges. While the Food and Drug Administration currently regulates CB storage and use in the United States, other state and federal guidelines on CB education, awareness, and ethical considerations remain variable, and no mandatory international guidelines exist. In addition, federal funding for an important CB collection initiative that specifically targets minority populations is set to expire by the end of FY2015. To help organize and coordinate efforts across the United States and other nations, policymakers should implement regulations for: high quality standards for both private and public CB banks, a commitment to ethical practices, and an investment in educational campaigns and training programs for all steps of the CB banking process. PMID:26239848

  9. Prevalence of Trypanosoma cruzi infection in blood banks of seven departments of Bolivia

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    Roxana Carrasco

    1990-03-01

    Full Text Available Trypanosoma cruzi infection was studied in 1,298 sera samples of blood banks from 7 capital departments of Bolivia, using the immunofluorescence test (IFI and Enzyme Linked Immunosorbent Assay (Elisa. The percentages of positivity in these 7 departments have an average of 28% and are distributed as follows: Sta. Cruz 51%, Tarija 45%, Cochabamba 28%, Sucre 39%, La Paz 4.9%, Oruro 6% and Potosi 24%. The prevalence is related with the altitude levels of the different departments. However in Potosi (3,945 m we found a 24% of prevalence, probably due to the proximity of endemic valleys to the city. The authors suggest a strict control in blood donors since there exists a great risk of infection

  10. SEROPREVALENCE OF TRANSFUSION TRANSMITTED INFECTIONS IN A TEACHING HOSPITAL BLOOD BANK

    Directory of Open Access Journals (Sweden)

    Shariff

    2014-02-01

    Full Text Available BACKGROUND: Blood transfusion is a life - saving procedure. However , the recipient has the potential risk of acquiring transfusion - transmissible infections (TTI , important infectious agents being Human Immunodeficiency Virus (HIV , Hepatitis B & C viruses , and Treponema pallidum. AIM: This study was undertaken to know the prev alence of TTI in our hospital blood bank and hence evaluate the safety of the blood units . MATERIAL AND METHOD: The present study was conducted at the Blood Bank of our Medical College Hospital. Data was collected retrospectively for a 4.5 - year period from January 2008 to June 2012. Donor data including demographic details and results of the screening tests were recorded. RESULTS: In the 4.5 - year period , there were 7128 donors – both voluntary and replacement donors. The donors were in the age group 18 to 5 0 years. Out of the 116 donors tested positive for any test , there were 5 female donors and the 111 male donors. The donors who tested positive formed 1.6% of the total number of donors. The maximum number of donors were positive for HBsAg (n=47 , followed by positivity for HCV (n=45. The seroprevalence of HBsAg , HCV , HIV and Syphilis was 0.66% , 0.63% , 0.25% and 0.1% respectively. There was no case with smear positive for malaria parasite. CONCLUSION: The seroprevalence of TTI is minimal in our set up. The risk can be kept to a minimum by proper donor selection and testing of the collected units

  11. Information system development process improvement in the case of banking system

    OpenAIRE

    Gruden, Miha

    2014-01-01

    The thesis is based on the case of developing banking information system in the bank where I am working. The banking information system is a result of our own knowledge and is based on the existing development process that was set in 2005. The process is based on the waterfall and spiral model, the classical principles of project management and UML modeling techniques. All phases of the existing development process are presented in the first part of the thesis. The participant roles, tec...

  12. A Localized and Secure Method for Transferring Bank Information by SMS for Persian Banks

    Directory of Open Access Journals (Sweden)

    M. Hassan Shirali-Shahreza

    2008-05-01

    Full Text Available Nowadays m-banking (mobile banking is widely used in many banks. It has embarked upon supply of various services based on different systems and with the aid of various services such as the Short Message Service (SMS. However in developing countries such as Iran, m-banking is facing some challenges. One of these challenges is the issue of language of this system, because the main language of this system, in both side of bank system and customer mobile phone, is English. Also one of the main issues in m-banking services is the security of the systems. For solving the above problems, we proposed a method in this paper. By this method we send secure banking messages as well as Persian SMS for mobile phones even they are lacking the support of Persian language. In this method, the Persian SMS message is changed into an SMS picture message and this picture is sent to the customer. Therefore any mobile phone can receive the message correctly in Persian language and also the security of sending the message is increased. This project is written in J2ME language (Java 2 Micro Edition and has been implemented on Nokia mobile phones, models N71, 6680 and 3310.

  13. Malaria seroprevalence in blood bank donors from endemic and non-endemic areas of Venezuela

    Directory of Open Access Journals (Sweden)

    Carmen Elena Contreras

    2011-03-01

    Full Text Available In Venezuela, a total of 363,466 malaria cases were reported between 1999-2009. Several states are experiencing malaria epidemics, increasing the risk of vector and possibly transfusion transmission. We investigated the risk of transfusion transmission in blood banks from endemic and non-endemic areas of Venezuela by examining blood donations for evidence of malaria infection. For this, commercial kits were used to detect both malaria-specific antibodies (all species and malaria antigen (Plasmodium falciparum only in samples from Venezuelan blood donors (n = 762. All samples were further studied by microscopy and polymerase chain reaction (PCR. The antibody results showed that P. falciparum-infected patients had a lower sample/cut-off ratio than Plasmodium vivax-infected patients. Conversely, a higher ratio for antigen was observed among all P. falciparum-infected individuals. Sensitivity and specificity were higher for malarial antigens (100 and 99.8% than for antibodies (82.2 and 97.4%. Antibody-positive donors were observed in Caracas, Ciudad Bolívar, Puerto Ayacucho and Cumaná, with prevalences of 1.02, 1.60, 3.23 and 3.63%, respectively. No PCR-positive samples were observed among the donors. However, our results show significant levels of seropositivity in blood donors, suggesting that more effective measures are required to ensure that transfusion transmission does not occur.

  14. Tissue banking: relationship with blood donor and organ donor card status.

    Science.gov (United States)

    McKenzie, Kenneth D; Fitzpatrick, Patricia E; Sheehan, John D

    2012-01-01

    Understanding the relationships among altruistic health acts may serve to aid therapeutic research advances. In this paper, we report on the links between two such behaviours-donating blood and carrying an organ donor card-and willingness to donate urological tissue to a tissue bank. Reasons for the differential willingness to do so are examined in this paper. A systematic sample of 259 new and returning attendees at a tertiary urology referral clinic in Ireland completed a self-report questionnaire in an outpatient setting. In addition to demographic details, details of known diagnosis of malignancy and family history of cancer; attitudes to tissue donation for research purposes were gauged using a 5-point Likert scale. Both blood donors and organ donor card carriers were more likely to be willing to donate tissue for research purposes. Blood donors were more likely want to know their overall results in comparison to nonblood donors and want their samples to be used for nonprofit research. Our hypothesis that being a blood donor would be a better predictor to donate urological tissue than being an organ donor card carrier borne out by the trends reported above. PMID:22567418

  15. Implementation of new Information Technologies in bank information system based on deposit information system

    OpenAIRE

    Dimitrovski, Igor

    2016-01-01

    Change in the banking business model from product orientation to client orientation is the main cause for the appearance of the need for modernisation and transformation of the banking IS in order to offer the customer a comprehensive range of personalised banking products and services. From a technological point of view, the solution lies in the introduction of service-oriented architecture and business process management systems. The first part of the master's thesis presents the reasons an...

  16. Normative evaluation of blood banks in the Brazilian Amazon region in respect to the prevention of transfusion-transmitted malaria

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    Daniel Roberto Coradi Freitas

    2014-12-01

    Full Text Available Objective:To evaluate blood banks in the Brazilian Amazon region with regard to structure and procedures directed toward the prevention of transfusion-transmitted malaria (TTM.Methods:This was a normative evaluation based on the Brazilian National Health Surveillance Agency (ANVISA Resolution RDC No. 153/2004. Ten blood banks were included in the study and classified as 'adequate' (≥80 points, 'partially adequate' (from 50 to 80 points, or 'inadequate' (<50 points. The following components were evaluated: 'donor education' (5 points, 'clinical screening' (40 points, 'laboratory screening' (40 points and 'hemovigilance' (15 points.Results:The overall median score was 49.8 (minimum = 16; maximum = 78. Five blood banks were classified as 'inadequate' and five as 'partially adequate'. The median clinical screening score was 26 (minimum = 16; maximum = 32. The median laboratory screening score was 20 (minimum = 0; maximum = 32. Eight blood banks performed laboratory tests for malaria; six tested all donations. Seven used thick smears, but only one performed this procedure in accordance with Ministry of Health requirements. One service had a Program of External Quality Evaluation for malaria testing. With regard to hemovigilance, two institutions reported having procedures to detect cases of transfusion-transmitted malaria.Conclusion:Malaria is neglected as a blood–borne disease in the blood banks of the Brazilian Amazon region. None of the institutions were classified as 'adequate' in the overall classification or with regard to clinical screening and laboratory screening. Blood bank professionals, the Ministry of Health and Health Surveillance service managers need to pay more attention to this matter so that the safety procedures required by law are complied with.

  17. Evaluating Banking Productivity and Information Technology Using the Translog Production Function

    Directory of Open Access Journals (Sweden)

    Madueme Ifeoma Stella

    2010-04-01

    Full Text Available This empirical study tried to assess the impact of Information Communication Technology (ICT on the productivity of the Nigerian banking sector. Impact on Productivity was conceptualized as ability to make positive contributions to output after deductions for depreciation and labour expenses has been made. The Trancendental Logarithimic Production function and the CAMEL rating were used for the study. Results showed that bank output such as loans and other assets increased significantly to changes in expenditure on information communication technology. Information communication technology labour expenses impacted more on bank output more than capital expenditure on ICT gadgets. The recommendation centered on the need to increase investments in information technology in order to increase productivity of banks. This is based on the purview that increased productivity in many instances leads to improved operational efficiency and profitability which are the laudable goals of any banking establishment.

  18. Strategic Application of Information and Communication Technology for Effective Service Delivery in Banking Industry

    OpenAIRE

    Adeosun, O.O; T.H. Adeosun; I.A. Adetunde

    2009-01-01

    Problem statement: This study deals with strategic application of information and communication technology for effective service delivery in banking industry. Approach: This study emphasized on the advantages and disadvantages in using digital ICTs in banking activities for effective service delivery. Results: Solving complex problems in banking requires the expertise knowledge of several individuals scattered all over remote areas of the world, resulting in work groups. Conclusion: This rese...

  19. Benefits to blood banks of a sales and operations planning process.

    Science.gov (United States)

    Keal, Donald A; Hebert, Phil

    2010-12-01

    A formal sales and operations planning (S&OP) process is a decision making and communication process that balances supply and demand while integrating all business operational components with customer-focused business plans that links high level strategic plans to day-to-day operations. Furthermore, S&OP can assist in managing change across the organization as it provides the opportunity to be proactive in the face of problems and opportunities while establishing a plan for everyone to follow. Some of the key outcomes from a robust S&OP process in blood banking would include: higher customer satisfaction (donors and health care providers), balanced inventory across product lines and customers, more stable production rates and higher productivity, more cooperation across the entire operation, and timely updates to the business plan resulting in better forecasting and fewer surprises that negatively impact the bottom line. PMID:21128950

  20. Standardization of information systems development processes and banking industry adaptations

    OpenAIRE

    Tuna Ozcer; Zuhal Tanrikulu

    2011-01-01

    This paper examines the current system development processes of three major Turkish banks in terms of compliance to internationally accepted system development and software engineering standards to determine the common process problems of banks. After an in-depth investigation into system development and software engineering standards, related process-based standards were selected. Questions were then prepared covering the whole system development process by applying the classical Waterfall l...

  1. A Framework for Evaluating th e Effectiveness of Information Systems at Jordan Banks: An Empirical Study

    Directory of Open Access Journals (Sweden)

    Ahmad Mashhour

    2008-04-01

    Full Text Available Banks and other financial institutions in Jordan are one of the largest investors in the fields of information systems (IS, and there are many indications that these trends to continue in the future. However, there is a concern among CEOs and top managers that the IS investments are not yielding the anticipated outcomes. This paper investigates the investment of information systems at Jordan banks and reports the results of an empirical study that evaluates the contribution of IS in the effectiveness of banks operations. The paper measures the factors which determine information systems effectiveness at Jordan main banks. These va riables are presumably system decision performance, system usage and user satisfaction among others that are considered the most effective variables in banks performance

  2. Strategic Application of Information and Communication Technology for Effective Service Delivery in Banking Industry

    Directory of Open Access Journals (Sweden)

    O. O. Adeosun

    2009-01-01

    Full Text Available Problem statement: This study deals with strategic application of information and communication technology for effective service delivery in banking industry. Approach: This study emphasized on the advantages and disadvantages in using digital ICTs in banking activities for effective service delivery. Results: Solving complex problems in banking requires the expertise knowledge of several individuals scattered all over remote areas of the world, resulting in work groups. Conclusion: This research considered the problem of providing dependable, high performance and consistent banking services with little or no service interruption.

  3. Learning by observing: information spillovers in the execution and valuation of commercial bank M&As

    OpenAIRE

    Gayle DeLong; Robert DeYoung

    2004-01-01

    We hypothesize that banks become better able to manage acquisitions, and investors become better able to value those acquisitions, as these parties ‘learn-by-observing’ information that spills-over from previous bank M&As. We find evidence consistent with these hypotheses for 216 M&As of large, publicly traded U.S. commercial banks between 1987 and 1999. Our theory and our results are predicated on the idea that acquisitions of large and increasingly complex commercial banks were a relatively...

  4. Perception of Information Security of Management of Banking and Insurance Companies in Countries of Western Balkans

    OpenAIRE

    Edin Osmanbegovic; Sejfudin Zahirović

    2013-01-01

    In this paper it is described aspects of standardisation of information security and itsimplementation in banking and insurance companies in countries of Western Balkans. Interms of approaching the standards of EU, one of the areas that need to be fully justified isthe information security. It has been identified and applied a new dual methodology whichcovers measurement of same variables of information security into two opposite populations.Authors identify banking and insurance sector as a ...

  5. Finding out about sperm banking: what information is available online for men diagnosed with cancer?

    Science.gov (United States)

    Merrick, H; Wright, E; Pacey, A A; Eiser, C

    2012-09-01

    Sperm banking is routinely offered to men where there is a risk of infertility following cancer treatment but uptake is lower than expected. Since these men may turn to the internet for information, we used the search engine www.google.com to identify the material available about sperm banking and fertility preservation options. Sixty-six resources (NHS/Private Clinic, Charity, Press Releases, General and Forums/Blogs) fulfilled the criteria for inclusion and were examined for quality including readability, layout and content. The most frequently reported information related to: (1) effects of cancer treatment on fertility (77.3%); (2) reasons to bank sperm (69.7%); and (3) fertility recovery after treatment (57.6%). Information about maintaining contact with the sperm bank (18.2%) and disposal of banked samples (10.6%) was less often included. The quality of information available on the Internet about sperm banking was variable. The readability of all resources was assessed as 'fairly difficult', i.e. reading skills required were too complex for the average member of the public to understand. Furthermore, visual presentation of material (e.g. lay out) did not facilitate easy reading. More attention should be given to information about longer-term issues, such as fertility recovery and the use or disposal of banked sperm. PMID:22746362

  6. Using Market Information for Banking System Risk Assessment

    OpenAIRE

    Elsinger, Helmut; Lehar, Alfred; Summer, Martin

    2005-01-01

    We propose a new method for the analysis of systemic stability of a banking system relying mostly on market data. We model both asset correlations and interlinkages from interbank borrowing so that our analysis gauges two major sources of systemic risk: correlated exposures and mutual credit relations that may cause domino effects of insolvencies. We apply our method to a data set of the ten major UK banks and analyze insolvency risk over a one-year horizon. We also suggest a stress-testing p...

  7. Implications of the Operational Risk Practices Applied in the Banking Sector on the Information Systems Area

    OpenAIRE

    Pavel NASTASE; Simona Felicia UNCHIASU

    2013-01-01

    In financial services organizations, the degree of automation is usually high, while the human intervention low. Banks depend on information technology and information management, complex infrastructure and applications, thus controls are required to support the business processes. Furthermore, the information used by financial institution is often entirely IT generated, managed and controlled, therefore the confidentiality, availability and reliability of financial information is crucial. As...

  8. Effect Of Perception Use Of Information Technology Safety And Perception Of Interest Trust Online Trading System Using Internet Banking Study Empris In Bri Bank Branch Office Tangerang 2014

    Directory of Open Access Journals (Sweden)

    Endraria

    2015-06-01

    Full Text Available Abstract The purpose of this study was to examine and analyze the influence of the perception of the use of information technology to transact online interests perceptions of comfort against the interest of transacting online trust in transacting online interest the perception of the use of information technology the perception of comfort and confidence simultaneously affect the interest of transacting online using internet system banking Empris Studies at Bank BRI Branch Office Tangerang 2014. With usability Theoretical where research results can be used to enrich the study of accounting keprilakuan in particular and science in general accounting uses for which the Bank can enrich the concept or theory in its contribution to the development of science so useful as a reference for those who need both from within Bank and outside the institution itself and able to provide input to what extent the perception of the use of information technology the perception of comfort and confidence can give a positive contribution to the interests transact online using internet banking system Study Empris at Bank BRI Branch Office Tangerang 2014 and usability for the Government where the results of this study are expected to be used as a correction and input the extent to which the perception of the use of information technology the perception of comfort and confidence can give a positive contribution to the interests transact online using internet banking system Study Empris at Bank BRI Branch Office Tangerang 2014 especially in the City Tangerang. The hypothesis proposed in this study in which there is significant influence use of information technology to transact interest perceptions of comfort on the interest on the interest of trust online transacting online transactions simultaneous perception of the use of information technology the perception of comfort and confidence in the interests transact online using Internet Banking System Study Empris Bank BRI

  9. The Effect of Electronic Commerce on the Accounting Information System of Jordanian Banks

    OpenAIRE

    Adel M. Qatawneh

    2012-01-01

    This study aimed to determine the effect of electronic commerce (e-commerce) on Accounting Information System (AIS) in Jordanian banks. The study importance arises from the need to recognize e-commerce and AIS as the greatest development in the world of business, the variables that will be affected by e-commerce are: reliability of AIS on the bank, the operational performance, cost of reduction, customer services. To achieve the objectives of the study a questionnaire was designed and distrib...

  10. Information technology innovations and commercial banking: A review and appraisal from an historical perspective

    OpenAIRE

    Bernardo Batiz-Lazo; Douglas Wood

    2002-01-01

    Technological innovation in general and information technology (IT) applications in particular, have had a major effect in banking and finance. Following Garbade and Silber (1978), this research reviews the effects on banking organisations with reference to front office or external changes as described by the nature of product and service offerings. Following Morris (1986) and Quintás (1991), the research also considers innovations in the back office or internal (operational function) changes...

  11. Scientific and Organizational Problems Connected with the Establishment of Bone-Marrow and Blood-Component Banks

    International Nuclear Information System (INIS)

    The author describes the results of studies carried out with a view to devising rational means for the long-term preservation of bone-marrow and blood cells at ultra- low temperatures. Attention is especially directed to freezing conditions and cryoprotective agents. The paper stresses the significance of the apparatus that has been constructed for programmed freezing operations and analyses the data regarding bone-marrow donors. The present level of knowledge in regard to the preservation of bone-marrow and blood components makes it possible to organize banks for their long-term storage, thereby permitting more extensive clinical use of bone-marrow transplantation and haemotherapy. (author)

  12. A study on patterns of co-infections among blood donors at the blood bank of a tertiary care referral teaching hospital in South India

    Directory of Open Access Journals (Sweden)

    Suresh B

    2016-04-01

    Full Text Available Background: Blood serves as a vehicle for transmission of blood-borne pathogens including human immunodeficiency virus (HIV, hepatitis B virus (HBV, hepatitis C virus (HCV, malaria parasite (MP and syphilis. Safe blood and blood products should be transfused to all patients in need for blood transfusion. Material and Methods: All blood donors attending to the blood bank during the period January 2009 to December 2014 were screened for hepatitis B surface antigen (HBsAg, anti HCV antibody, anti HIV-1, 2 antibodies and HIV p24 antigen by using the appropriate enzyme-linked immunosorbent assay (ELISA method and further confirmed using an ELISA kit from a different manufacturer. Malarial antigen testing was done by rapid diagnostic device, which is based on immunochromatographic technique. The rapid plasma reagin (RPR test was used for estimation of syphilis infection and further confirmed by Treponema pallidum haemagglutination assay (TPHA. Results: Of the 41,785 donors who were screened during the study period, 20 (0.05% were reactive for different combination of infections. The various combination of infections seen were as follows; HBV+HCV and HBV+HIV (6/20 each, HIV+HCV (3/20, HIV + syphilis (2/20 and HBV+HIV+HCV, HBV+MP, HBV+syphilis (1/20 each; and HIV+Syphilis constituted for 10% (2/20. Conclusion: A properly conducted donor screening, notification and counseling of permanently deferred donors will help in reducing these co-infection rates.

  13. An experience of the introduction of a blood bank automation system (Ortho AutoVue Innova) in a regional acute hospital.

    Science.gov (United States)

    Cheng, Yuk Wah; Wilkinson, Jenny M

    2015-08-01

    This paper reports on an evaluation of the introduction of a blood bank automation system (Ortho AutoVue(®) Innova) in a hospital blood bank by considering the performance and workflow as compared with manual methods. The turnaround time was found to be 45% faster than the manual method. The concordance rate was found to be 100% for both ABO/Rh(D) typing and antibody screening in both of the systems and there was no significant difference in detection sensitivity for clinically significant antibodies. The Ortho AutoVue(®) Innova automated blood banking system streamlined the routine pre-transfusion testing in hospital blood bank with high throughput, equivalent sensitivity and reliability as compared with conventional manual method. PMID:25863409

  14. Public banking of umbilical cord blood or storage in a private bank: testing social and ethical policy in northeastern Italy

    OpenAIRE

    Parco S; Vascotto F; Visconti P

    2013-01-01

    Sergio Parco, Fulvia Vascotto, Patrizia Visconti Institute for Maternal and Child Health, Trieste, Italy Background: In northeastern Italy, according to Italian legislation, authorized public facilities can accept the donation and preservation of cord blood stem cells (CB-SC). Attitudes and knowledge in pregnant women differs between the local and immigrant (non-European Union [EU]) population. In this study we assessed the choices that pregnant women have with respect to the public and priva...

  15. Public banking of umbilical cord blood or storage in a private bank: testing social and ethical policy in northeastern Italy

    OpenAIRE

    Parco, Sergio

    2013-01-01

    Sergio Parco, Fulvia Vascotto, Patrizia Visconti Institute for Maternal and Child Health, Trieste, Italy Background: In northeastern Italy, according to Italian legislation, authorized public facilities can accept the donation and preservation of cord blood stem cells (CB-SC). Attitudes and knowledge in pregnant women differs between the local and immigrant (non-European Union [EU]) population. In this study we assessed the choices that pregnant women have with respect to the public and priv...

  16. 45 CFR 61.14 - Confidentiality of Healthcare Integrity and Protection Data Bank information.

    Science.gov (United States)

    2010-10-01

    ... GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON HEALTH CARE PROVIDERS, SUPPLIERS AND PRACTITIONERS Disclosure of Information by the Healthcare Integrity... 45 Public Welfare 1 2010-10-01 2010-10-01 false Confidentiality of Healthcare Integrity...

  17. Effect Of Perception Use Of Information Technology Safety And Perception Of Interest Trust Online Trading System Using Internet Banking Study Empris In Bri Bank Branch Office Tangerang 2014

    OpenAIRE

    Endraria

    2015-01-01

    Abstract The purpose of this study was to examine and analyze the influence of the perception of the use of information technology to transact online interests perceptions of comfort against the interest of transacting online trust in transacting online interest the perception of the use of information technology the perception of comfort and confidence simultaneously affect the interest of transacting online using internet system banking Empris Studies at Bank BRI Branch Office Tangerang 201...

  18. Effectiveness of confidential unit exclusion in screening blood donors of the regional blood bank in Londrina, Paraná State

    OpenAIRE

    Ingridt Hildegard Vogler; Mariza Saito; Adriana Aparecida Spinosa; Marilza Celina da Silva; Egberto Munhoz; Edna Maria Vissoci Reiche

    2011-01-01

    BACKGROUND: For transfusion purposes, blood donors must be accepted both in clinical and serological evaluations and must not have excluded their own donation using the confidential unit exclusion. AIMS: The objective of this study was to verify whether blood donors who choose self exclusion are more likely to be positive in serological tests than donors who do not. METHODS: A cross-sectional analysis was carried out of 51,861 consecutive whole blood donations from January 2004 to December 20...

  19. Seroprevalence of transfusion transmitted infection among blood donors at Jijiga blood bank, Eastern Ethiopia: retrospective 4 years study

    OpenAIRE

    Mohammed, Yusuf; Bekele, Alemayehu

    2016-01-01

    Background A transfusion transmissible infection (TTI) is any infection that is transmissible from person to- person through parenteral administration of blood or blood products. The magnitude of transfusion-transmitted infections (TTI) varies from country to country depending on TTI’s load in that particular population. Measuring their severity, WHO (World Health Organization) has recommended pre-transfusion blood test for Human immunodeficiency virus (HIV), Hepatitis B virus (HBV), Hepatiti...

  20. Monetary policy, bank capital and credit supply: a role for discouraged and informally rejected firms

    OpenAIRE

    Popov, Alexander

    2013-01-01

    This paper conducts the first empirical study of the bank balance sheet channel using data on discouraged and informally rejected firms in addition to information on the formal loan granting process. I take advantage of a unique survey data on the credit experience of firms in 8 economies that use the euro or are pegged to it over 2004-2007, and analyze the effect of monetary policy and the business cycle on bank lending and risk-taking. Identification rests on exploiting 1) the exogeneity of...

  1. Dextrose in the banked blood products does not seem to affect the blood glucose levels in patients undergoing liver transplantation

    OpenAIRE

    Cheng, Kwok-Wai; Chen, Chao-Long; Cheng, Yu-Fan; Tseng, Chia-Chih; Wang, Chih-Hsien; Chen, Yaw-Sen; Wang, Chih-Chi; Huang, Tung-Liang; Eng, Hock-Liew; Chiu, King-Wah; Wang, Shih-Hor; Lin, Chih-Che; Lin, Tsan-Shiun; Liu, Yueh-Wei; Jawan, Bruno

    2005-01-01

    AIM: Hyperglycemia commonly seen in liver transplantation (LT) has often been attributed to the dextrose in the storage solution of blood transfusion products. The purpose of the study is to compare the changes of the blood glucose levels in transfused and non-transfused patients during LT.

  2. The Marine Realms Information Bank, a coastal and marine digital library at USGS

    Science.gov (United States)

    Marincioni, Fausto; Lightsom, Frances L.; Riall, Rebecca L.; Linck, Guthrie A.; Aldrich, Thomas C.

    2003-01-01

    The Marine Realms Information Bank (MRIB) is a distributed geolibrary of the USGS Coastal and Marine Geology Program that (1) prioritizes search and display of information by place (location on the Earth's surface), and (2) links information existing in distributed and independent sources. The MRIB aims to provide easy access to knowledge pertaining to the ocean and the associated atmospheric and terrestrial environments to scientists, decision-makers, and the interested members of the public.

  3. Establishing a public umbilical cord blood stem cell bank for South Africa: an enquiry into public acceptability.

    Science.gov (United States)

    Meissner-Roloff, Madelein; Pepper, Michael S

    2013-12-01

    South Africa (SA) faces a large unmet need for bone marrow (BM) transplantation, which could be alleviated in part by establishing a public umbilical cord blood stem cell bank (UCB SCB). Umbilical cord blood is an increasingly utilised source of hematopoietic stem cells for BM transplantation in addition to BM or mobilized peripheral blood stem cells. Establishing a public UCB SCB would therefore be a positive step towards improving the quality of health care in SA by providing for an important unmet need. This study takes the form of an enquiry into the acceptability of establishing a public bank through an interview with and questionnaire completed by mothers-to-be in the antenatal clinic of a large public hospital in SA. Initial results are positive, with 85 % of the participants in favour of establishing a public UCB SCB in SA. This initial probe will serve as a model for a more comprehensive national enquiry into public support and acceptability in different clinics, hospitals and provinces in SA. PMID:23943126

  4. Prevailing of sensitive blood driving to AIDS/HIV. Provincial Blood Bank of Sancti Spíritus. 2007-2008.

    Directory of Open Access Journals (Sweden)

    Martha Quesada Concepción

    2011-09-01

    Full Text Available Because of blood transfusions are one of the ways of transmitting the immune deficiency syndrome (AIDS/HIV; it constitutes warriness from the epidemiological point of view. A descriptive research was done with the objective of determining the prevailing of sensitive blood driving AIDS/HIV in the Provincial Blood Bank from Sancti Spíritus from January 1 st , 2007 to December 31 st, 2008. The sample was conformed by 312 donants with positive diagnosis to AIDS/HIV. Some variables were used such as prevailing, age, sex, race, home town. The scores of higher prevailing to AIDS/HIV were shown by the male sex (4,42, the 26-33 year old group (1,55; it prevailing volunteer blood driving (81,0 % , and Sancti Spíritus municipality gave more cases (27,5% .Just because sensibility to tests based on antibody, that is why it is important the constant checking of all processes that guarantee blood driving to be sired.

  5. A study on relationship between information technology facilities and performance of banking industry

    Directory of Open Access Journals (Sweden)

    M. Khodaei Valahzaghard

    2013-03-01

    Full Text Available The recent advances on information technology have made tremendous change on traditional banking. These days, people do not carry cash and prefer to use electronic devices such as point of sale system (POS or PIN entry devices (PinPad to do desirable transactions. These technologies could facilitate e-business and increase profitability in various industries including banking sector. The purpose of this paper is to investigate the effect of five new products namely ATM, POS Machines, PinPad machines, online and swift branches on banking performance indicators including return on assets (ROA, return on equities (ROE and operating investment return (OIR. We use the information of 19 private and governmental banks, which were active in Iran over the period of 2005-2010. The study uses linear regression analysis as well as VAR technique to study the effects of the independent variables on bank performance indicators. The results indicate that while there are some weak and positive relationships between three technology indicators including POS, PinPad and online businesses and ROA as well as ROE, there is relatively strong and positive relationship between these three independent variables and OIR. In addition, while the results of VAR analysis have shown that any reduction on PinPad will reduce OIR but this reduction will disappear after approximately four periods.

  6. 77 FR 70544 - Agency Information Collection Activities; Proposed Information Collection; Comment Request; Bank...

    Science.gov (United States)

    2012-11-26

    ... Collection; Comment Request; Bank Secrecy Act/Money Laundering Risk Assessment AGENCY: Office of the... Secrecy Act/Money Laundering Risk Assessment,'' also known as the Money Laundering Risk (MLR) System... this document. Bank Secrecy Act/Money Laundering Risk Assessment (OMB Control Number...

  7. The Impact of Information Technology in Nigeria's Banking Industry

    OpenAIRE

    Oluwatolani, Oluwagbemi; Joshua, Abah; Philip, Achimugu

    2011-01-01

    Today, information technology (IT) has become a key element in economic development and a backbone of knowledge-based economies in terms of operations, quality delivery of services and productivity of services. Therefore, taking advantage of information technologies (IT) is an increasing challenge for developing countries. There is now growing evidence that Knowledge-driven innovation is a decisive factor in the competitiveness of nations, industries, organizations and firms. Organizations li...

  8. How to Use the Marine Realms Information Bank (MRIB) Digital Libraries

    Science.gov (United States)

    Lightsom, Frances L.; Allwardt, Alan O.

    2009-01-01

    Marine Realms Information Bank (MRIB) digital libraries provide access to free online scientific resources about oceans, coasts, and coastal watersheds. MRIB allows category, geographic, and keyword searching, alone or in combination. Instructions for searching the three MRIB libraries and for refining the searches are explained in detail.

  9. Detection of HBsAg and Anti HBc on donors of a blood bank by IRMA and ELISA methods

    International Nuclear Information System (INIS)

    Comparative evaluation of two methods, Immunoradiometric Assay (IRMA) and Enzyme Immunoassay (ELISA), for detecting HBsAg and Anti HBc was made for determining which is the most advantageous and reliable. The study was made on 300 donors of the Hospital San Juan de Dios Blood Bank. In comparison with the reference method (IRMA), ELISA shows 91.67% of sensitivity. The Anti HBc detection by IRMA is more reliable than the HBsAg detection by IRMA and ELISA for determining the carrier state

  10. Dextrose in the banked blood products does not seem to affect the blood glucose levels in patients undergoing liver transplantation

    Institute of Scientific and Technical Information of China (English)

    Kwok-Wai Cheng; King-Wah Chiu; Shih-Hor Wang; Chih-Che Lin; Tsan-Shiun Lin; Yueh-Wei Liu; Bruno Jawan; Chao-Long Chen; Yu-Fan Cheng; Chia-chih Tseng; Chih-Hsien Wang; Yaw-Sen Chen; Chih-Chi Wang; Tung Liang Huang; Hock-Liew Eng

    2005-01-01

    AIM: Hyperglycemia commonly seen in liver transplantation (LT) has often been attributed to the dextrose in the storage solution of blood transfusion products. The purpose of the study is to compare the changes of the blood glucose levels in transfused and non-transfused patients during LT. METHODS: A retrospective study on 60 biliary pediatric patients and 16 adult patients undergoing LT was carried out. Transfused pediatric patients were included in Group Ⅰ (GI), those not transfused in Group Ⅱ (GⅡ). Twelve adult patients were not given transfusion and assigned to Group Ⅲ (GⅢ); whereas, four adult patients who received massive transfusion were assigned to Group Ⅳ (GⅣ). The blood glucose levels, volume of blood transfused, and the volume of crystalloid infused were recorded, compared and analyzed. RESULTS: Results showed that the changes in bloodglucose levels during LT for both non-transfused and minimally transfused pediatric groups and non-transfused and massively-transfused adult groups were almost the same. CONCLUSION: We conclude that blood transfusion does not cause significant changes in the blood glucose levels inthis study.

  11. Utility of the microculture method for Leishmania detection in non-invasive samples obtained from a blood bank.

    Science.gov (United States)

    Ates, Sezen Canim; Bagirova, Malahat; Allahverdiyev, Adil M; Kocazeybek, Bekir; Kosan, Erdogan

    2013-10-01

    In recent years, the role of donor blood has taken an important place in epidemiology of Leishmaniasis. According to the WHO, the numbers of patients considered as symptomatic are only 5-20% of individuals with asymptomatic leishmaniasis. In this study for detection of Leishmania infection in donor blood samples, 343 samples from the Capa Red Crescent Blood Center were obtained and primarily analyzed by microscopic and serological methods. Subsequently, the traditional culture (NNN), Immuno-chromatographic test (ICT) and Polymerase Chain Reaction (PCR) methods were applied to 21 samples which of them were found positive with at least one method. Buffy coat (BC) samples from 343 blood donors were analyzed: 15 (4.3%) were positive by a microculture method (MCM); and 4 (1.1%) by smear. The sera of these 343 samples included 9 (2.6%) determined positive by ELISA and 7 (2%) positive by IFAT. Thus, 21 of (6.1%) the 343 subjects studied by smear, MCM, IFAT and ELISA techniques were identified as positive for leishmaniasis at least one of the techniques and the sensitivity assessed. According to our data, the sensitivity of the methods are identified as MCM (71%), smear (19%), IFAT (33%), ELISA (42%), NNN (4%), PCR (14%) and ICT (4%). Thus, with this study for the first time, the sensitivity of a MCM was examined in blood donors by comparing MCM with the methods used in the diagnosis of leishmaniasis. As a result, MCM was found the most sensitive method for detection of Leishmania parasites in samples obtained from a blood bank. In addition, the presence of Leishmania parasites was detected in donor bloods in Istanbul, a non-endemic region of Turkey, and these results is a vital importance for the health of blood recipients. PMID:23806567

  12. IMPACT OF INFORMATION TECHNOLOGY (IT INVESTMENTS ON THE COST EFFICIENCY OF INDIAN BANKING SECTOR - A STOCHASTIC FRONTIER APPROACH (SFA

    Directory of Open Access Journals (Sweden)

    S. T. Surulivel

    2013-04-01

    Full Text Available This research study explores the Cost efficiency of Indian banking sector by employing Stochastic Frontier Approach (SFA. This paper empirically evaluated the impact of Information Technology (IT on theCost efficiency of the Indian banks .The present study is based on panel data over the period of 2009-2013. For this paper 77 banks of India are being considered. This paper identifies the average cost efficiency of Indian banks found to be 61 percent over the entire period of study. The findings of this paper suggest that to some extent IT impact the cost efficiency of Indian banks.There is significant difference among Indian banks on their cost inefficiency in bank-wise. There is no significant difference among Indian banks on their cost inefficiency in year-wise. The difference in costinefficiency between the best and worst performance banks is significantly reduced by 78.8% for the study period by Information technology investments. Thus, Information Technology contributes to cost efficiency to Indian banking industry.

  13. Ancestry informative markers and complete blood count parameters in Brazilian blood donors

    OpenAIRE

    Gabriela E. S. Felix; Kiyoko Abe-Sandes; Taísa M. Bonfim; Maria T. Bendicho; Patrícia Cisneiros; Rosalina Guedes; Cláudio J. F. Brandão; Alex J. L. Torres; Carlos Brites; Eduardo M. Netto; Roberto Meyer; Songeli M. Freire

    2010-01-01

    A complete blood count is very useful in clinical diagnoses when reference ranges are well established for the population. Complete blood counts and allele frequencies of Ancestry Informative Markers (AIMs) were analyzed in Brazilians with the aim of characterizing the hematological values of an admixed population. Positive associations were observed between gender and neutrophils, monocytes, eosinophils, erythrocytes, hemoglobin, hematocrit, MCV, MCHC and platelet counts. No significant diff...

  14. Integrated Framework for Information Security in Mobile Banking Service Based on Smart Phone

    Science.gov (United States)

    Shin, Yong-Nyuo; Chun, Myung Geun

    Since Apple launched the iPhone service in November 2009 in Korea, smartphone banking users are increasing dramatically, forcing lenders to develop new products to deal with such demand. The bank of korea took the lead in jointing together to create a mobile banking application that each bank can adapt for its own use. In providing smartphone services, it is of critical importance to take the proper security measures, because these services, while offering excellent mobility and convenience, can be easily exposed to various infringement threats. This paper proposes a security framework that should be taken into account by the joint smartphone-based mobile banking development project. The purpose of this paper lies in recognizing the value of smartphones as well as the security threats that are exposed when smartphones are introduced, and provides countermeasures against those threats, so that an integrated information security framework for reliable smartphone-based mobile financial services can be prepared, by explicitly presenting the difference between personal computers and smartphones from the perspective of security.

  15. Financial management information systems 25 years of World Bank experience on what works and what doesn't

    CERN Document Server

    Dener, Cem; Dorotinsky, William Leslie

    2011-01-01

    Since 1984, the World Bank has financed 87 Financial Management Information System (FMIS) projects in 51 countries totaling over US 2.2 billion, of which US 938 million was for FMIS related information and communication technology (ICT) solutions. This study presents the World Bank?s experience with these investment operations to share the achievements and challenges observed, and provide guidance for improving the performance of future projects. The report is structured according to four overarching questions:?What historical patterns emerge from World Bank financed Treasury/FMIS projects?Thi

  16. Constructing Uniform Resource Locators (URLs) for Searching the Marine Realms Information Bank

    Science.gov (United States)

    Linck, Guthrie A.; Allwardt, Alan O.; Lightsom, Frances L.

    2009-01-01

    The Marine Realms Information Bank (MRIB) is a digital library that provides access to free online scientific information about the oceans and coastal regions. To search its collection, MRIB uses a Common Gateway Interface (CGI) program, which allows automated search requests using Uniform Resource Locators (URLs). This document provides an overview of how to construct URLs to execute MRIB queries. The parameters listed allow detailed control of which records are retrieved, how they are returned, and how their display is formatted.

  17. Perspectives on information and supply chains within investment banking

    OpenAIRE

    Sharif, AM

    2008-01-01

    Supply chain concepts are usually confined to industries where there are core sourcing, manufacture and delivery processes. These industries are usually to be found within the industrial products, aerospace, automotive, chemical and pharmaceutical sectors. Supply Chain Management (SCM) concepts, have not necessarily been associated with financial services, apart from concepts of information management and process flow, in the loosest sense. This paper attempts to describe how supply chain con...

  18. The Effect of Information Provision on Voluntary Contributions to Public Goods: A Field Experiment on Blood Donation

    OpenAIRE

    Sobei Oda; Erika Seki; Yan Zhou

    2013-01-01

    When the provision of public goods requires contributions from individuals with different abilities, solicitation of efficient voluntary contributions from heterogeneous individuals becomes important. Blood banks are one such public resource. Blood banks perform a challenging task in ensuring a balanced supply of blood types to provide effective blood transfusion services. This study designs a field experiment in conjunction with a blood donation campaign to examine whether making potential d...

  19. Assessment of performance of professionals in immunohematology proficiency tests of the public blood bank network of the state of Minas Gerais

    OpenAIRE

    Stela Brener; Ângela Melgaço Ferreira; Ricardo Vilas Freire de Carvalho; Marcele Cunha Ribeiro do Valle; Helio Moraes-Souza

    2012-01-01

    BACKGROUND: Despite significant advances, the practice of blood transfusion is still a complex process and subject to risks. Factors that influence the safety of blood transfusion include technical skill and knowledge in hemotherapy mainly obtained by the qualification and training of teams. OBJECTIVE: This study aimed to investigate the relationship between professional categories working in transfusion services of the public blood bank network in the State of Minas Gerais and their performa...

  20. Non-ABO blood group systems phenotyping in non-human primates for blood banking laboratory and xenotransplantation.

    Science.gov (United States)

    Ramis, G; Martínez-Alarcon, L; Quereda, J J; Mrowiec, A; Funes, C; Ríos, A; Ramírez, P; Muñoz, A; Majado, M J

    2013-04-01

    Some biomedical research procedures, such as organ xenotransplantation, usually require intensive hemotherapy. Knowledge of the whole phenotype of blood donor and graft could be useful in the field of xenotransplantation. Human and simian-type categories of blood groups have been established and they can be tested by standard methods used for human blood grouping. The aim of this work was to study the incidence of non-ABO blood group systems in different species of non-human primates, which are employed in biomedical research. The phenotype of Rh, Lewis, Kidd, Kell, MNSs, Lutheran, P and Duffy antigens was investigated in olive baboon (n = 48), chacma baboon (n = 9), Guinea baboon (n = 14), Rhesus macaque (n = 38) and squirrel monkey (n = 30) by using commercial microtyping cards. Kell, Lutheran, Kidd and Duffy antigens have been detected in all species, Rh in squirrel monkey, MNSs in rhesus macaque and squirrel monkey, and Lewis in baboon and rhesus macaque. There were differences in frequency and haemagglutination scores between species regardless of their gender and age. The main differences were found in squirrel monkey when compared with baboons and macaques. This typing system provides a tool to assess the presence of antigens in animals used for experimental procedures, such as xenotransplantation and xenotransfusion. PMID:23563364

  1. Loan quality determinants: evaluating the contribution of bank-specific variables, macroeconomic factors and firm level information

    OpenAIRE

    Belaid, Faiçal

    2014-01-01

    This paper uses probit and ordered probit methods to examine the impact of banks’ policies in terms of cost efficiency, capitalization, activity diversification, credit growth and profitability, on the loan quality in the Tunisian banking sector after controlling for the effects of firm-specific characteristics and macroeconomic conditions. Using a data set with detailed information for more than 9 000 firms comprising the portfolios of the ten largest Tunisian banks, we show that banks which...

  2. An Assessment of Benefits and Challenges of Information and Communication Technology to Office Managers in the Banking Industry

    Directory of Open Access Journals (Sweden)

    Omoniyi EO

    2015-12-01

    Full Text Available The objective of this paper is to assess the benefits and the challenges of information and communication technology (ICT to office managers in the banking industry, in order to ascertain the level of success of ICT to the industry, using questionnaire administered to bank staff and customers (n = 130 of Access Bank Plc and Skye Bank Plc in Bida, Niger State, Nigeria. The findings indicated that the office managers of the banks have high rate of exposure to modern information technology IT. The banks staff opined that IT has resulted to reduction in the cost of operations. About 50 percentile of the staff ranked the rate at which IT enhances the confidentiality of information as high. However, the study led to the inference that the staff of the two banks have very low rate for acquiring new skills through capacity development. About 60 percentile of the bank staff have very high tendency to respond to changes in innovation brought about by IT; while 75 percentile indicated that the use of IT by office managers leads to very low rate of fraudulent access to stored information. Also, 58 percentile of the bank customers rated the ease of access to their account as excellent due to the use of IT; and ranked IT excellent in terms of the time saved by customers in accessing their accounts. In addition, the customers rated the use of IT in boosting inter-bank relationship as very good. The challenges of IT to customer service as stated by the customers are: fraud by bank staff (0.5%, delay in inter-bank transaction (10%, poor communication network (40%, poor computer literacy (29.5%, and bridge in the relationship between staff and customers (20%. Therefore, workshop and enlightenment is needed for capacity development on ICT in order to maximally utilize the benefits.

  3. Confidential unit exclusion at the Regional Blood bank in Montes Claros: Fundação Hemominas

    Directory of Open Access Journals (Sweden)

    Caroline Nogueira Maia

    2012-01-01

    Full Text Available OBJECTIVE: This study aimed at analyzing the rate of self-exclusion at the Regional Blood Bank in Montes Claros. METHODS: Data of self-excluding donors from August 2008 to August 2010 were analyzed. The following variables were considered: age, marital status, gender, ethnical background, blood group, Rh factor, number of donations, type of donation and serologic results. RESULTS: During the analyzed period, 34,778 individuals donated blood, 215 (0.62% of which were self-excluded; 12% of donors did not answer, 6.3% ballots were spoilt and 13.6% of the responses were considered non-compliant. The profile of the donors was: male (81.9%, single (50.7%, aged between 19 and 29 years old (52.1%, Mulatto (48.3%, blood group O (32.1% and positive Rh (32.1%. Most individuals were donating for the 2nd to 5th time (43.7% and had negative serology (94.4%. CONCLUSIONS: It was not evident that self-excluding donors had higher rates of seropositivity.

  4. Assessing ABO/Rh Blood Group Frequency and Association with Asymptomatic Malaria among Blood Donors Attending Arba Minch Blood Bank, South Ethiopia.

    Science.gov (United States)

    Alemu, Getaneh; Mama, Mohammedaman

    2016-01-01

    Background. Determination of the various ABO/Rh blood group distributions and their association with malaria infection has paramount importance in the context of transfusion medicine and malaria control. Methods. Facility based cross-sectional study was conducted from February to June, 2015, to assess ABO/Rh blood groups distribution and their association with asymptomatic malaria. A structured questionnaire was used to collect data. Blood grouping was done using monoclonal antibodies. Thin and thick blood films were examined for Plasmodium parasites. Data were analyzed using SPSS version 20.0. Results. A total of 416 blood donors participated with median age of 22 ± 0.29 (median ± standard error of the mean). Distribution of ABO phenotypes, in decreasing order, was O (175, 42.1%), A (136, 32.7%), B (87, 20.9%), and AB (18, 4.3%). Most of them were Rh+ (386, 92.8%). The overall malaria prevalence was 4.1% (17/416). ABO blood group is significantly associated with malaria infection (P = 0.022). High rate of parasitemia was seen in blood group O donors (6.899, P = 0.003) compared to those with other ABO blood groups. Conclusion. Blood groups O and AB phenotypes are the most and the least ABO blood groups, respectively. There is significant association between ABO blood group and asymptomatic malaria parasitemia. PMID:26925291

  5. Human immunodeficiency virus test-seeking blood donors in a large blood bank in Sao Paulo, Brazil.

    OpenAIRE

    Goncalez, T; Sabino, E; Sales, N; Chen, YH; D. Chamone; Busch, M.; Murphy, E; Custer, B; McFarland, W

    2010-01-01

    BACKGROUND: Persons with human immunodeficiency virus (HIV) risk behaviors are excluded from donation to reduce the risk of transfusion-transmitted infection. Persons donating to be tested for HIV may therefore deny risk behaviors. STUDY DESIGN AND METHODS: A random sample of donors completed a survey on motivations, knowledge, and attitudes on the screening process. Donors were considered test seekers if they agreed with two statements "I think that blood donation is a good, fast, and anonym...

  6. Medical Laboratory Technician--Hematology, Serology, Blood Banking, and Immunohematology (AFSC 90470).

    Science.gov (United States)

    Thompson, Joselyn H.

    This three-volume student text is designed for use by Air Force personnel enrolled in a self-study extension course for medical laboratory technicians. Covered in the individual volumes are hematology (the physiology of blood, complete blood counts and related studies, erythrocyte studies, leukocyte and thrombocyte maturation, and blood…

  7. Insolvency costs and incomplete information in commercial banks: Implications for financial reform in Eastern Europe

    OpenAIRE

    Buch, Claudia M

    1994-01-01

    The development of financial markets in the emerging market economies of Eastern Europe is considered one of the crucial elements of the overall reform process. Under central planning, banks used to be passive recipients of orders from the planners; they did not engage in any credit screening activity. At the same time, financial intermediaries have the potential to assume an important role in the transformation process from plan to market. They could gather information on enterprises, sort o...

  8. Bank Stress Tests as an Information Device for Emerging Markets: The Case of Russia

    OpenAIRE

    Fungáčová, Zuzana; Petr JAKUBÍK

    2012-01-01

    The recent financial crisis emphasized the need for effective financial stability analyses and tools for detecting systemic risk. This paper looks at the assessment of banking sector resilience through stress testing. We argue such analyses are valuable even in emerging economies, which suffer from limited data availability, short time series, and structural breaks. We propose a top-down stress test methodology that employs relatively limited information to overcome this data problem. Moreove...

  9. Soft Information,Core Competitive Edge and Private Relationship Lending——A Case of Village Banks

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    In view of the development problems of village banks,through introducing the concept of private relationship lending,the functions of soft information,the channels of village banks for collecting soft information,and the private relationship lending of village banks under Chinese rural human environment of highlighting relationship while despising rationality are proved.According to the recognition standard of core competitive edge,it can be concluded that the core competitive edge of village banks is private relationship lending.In the first place,these kinds of small and medium-sized quarter banks have competitive advantages in launching private relationship lending;in the second place,the lending businesses of village banks based on soft information attracts small and medium clients;in the third place,the private relationship lending has realized the scale economy.Furthermore,the reasons why village banks can not display the core competitive edge have been analyzed:firstly,village banks have not found that private relationship lending is their core competitive edge;secondly,the internal motivation on establishing private relationship lending of village banks is insufficient;thirdly,village banks have not prepared well in developing private relationship lending;The relevant policies and countermeasures are put forward,including transforming idea and vigorously developing private relationship lending;intensifying training and improving the quality of personnel involved;strengthening supervision and avoiding the violation behaviors of personnel involved;emulating experiences and perfecting the private relationship lending mechanism of village banks.

  10. Cord blood banking: regulations, ethics and practice in a disputed Italian case.

    Science.gov (United States)

    Petrini, C

    2012-01-01

    Current Italian regulations allow the free storage in public biobanks within the Italian National Health Service (SSN) of voluntarily donated cord blood, which can then be made available for transplantation in Italian and foreign patients. The same regulations allow the free storage of cord blood for directed use (in other words, for all cases in which it can be used for a family member suffering from a disease that can be cured through the use of hematopoietic stem cells) and in cases where a family runs a high risk of genetic disorders. This article briefly describes and discusses an episode involving an Italian hospital: an appeal by a woman led to a court provision imposing the collection and storage of a cord blood unit outside the conditions established by law. The provision aroused controversy and led to a series of inappropriate actions. PMID:22362241

  11. Ancestry informative markers and complete blood count parameters in Brazilian blood donors

    Directory of Open Access Journals (Sweden)

    Gabriela E. S. Felix

    2010-01-01

    Full Text Available A complete blood count is very useful in clinical diagnoses when reference ranges are well established for the population. Complete blood counts and allele frequencies of Ancestry Informative Markers (AIMs were analyzed in Brazilians with the aim of characterizing the hematological values of an admixed population. Positive associations were observed between gender and neutrophils, monocytes, eosinophils, erythrocytes, hemoglobin, hematocrit, MCV, MCHC and platelet counts. No significant differences were found for age, alcohol consumption, educational status, ethnicity, smoking in respect to the complete blood count values. In general, men had higher red blood cell values, while women had higher values for white blood cells and platelets. The study of the population was highly heterogeneous with mean proportions (± SE of African, European and Amerindian ancestry being 49.0 ± 3.0%, 44.0 ± 9.0% and 7.0 ± 9.0%, respectively. Amerindian ancestry showed limited contribution to the makeup of the population, but estimated ancestral proportions were statistically significant (r = 0.9838; P<0.001. These hematologic values are similar to Afro-Americans, another admixed population.

  12. The miRNA Profile of Platelets Stored in a Blood Bank and Its Relation to Cellular Damage from Storage.

    Science.gov (United States)

    Pontes, Thaís Brilhante; Moreira-Nunes, Caroline de Fátima Aquino; Maués, Jersey Heitor da Silva; Lamarão, Letícia Martins; de Lemos, José Alexandre Rodrigues; Montenegro, Raquel Carvalho; Burbano, Rommel Mário Rodriguez

    2015-01-01

    Millions of blood products are transfused each year, and many lives are directly affected by transfusion. Platelet concentrate (PC) is one of the main products derived from blood. Even under good storage conditions, PC is likely to suffer cell damage. The shape of platelets changes after 5 to 7 days of storage at 22°C. Taking into consideration that some platelet proteins undergo changes in their shape and functionality during PC storage. Sixteen PC bags were collected and each PC bag tube was cut into six equal pieces to perform experiments with platelets from six different days of storage. Thus, on the first day of storage, 1/6 of the tube was used for miRNA extraction, and the remaining 5/6 was stored under the same conditions until extraction of miRNAs on each the following five days. Samples were sequenced on an Illumina Platform to demonstrate the most highly expressed miRNAs. Three miRNAs, mir127, mir191 and mir320a were validated by real-time quantitative PCR (RQ-PCR) in 100 PC bags tubes. Our method suggests, the use of the miRNAs mir127 and mir320a as biomarkers to assess the "validity period" of PC bags stored in blood banks for long periods. Thus, bags can be tested on the 5th day of storage for the relative expression levels of mir127 and mir320a. Thus, we highlight candidate miRNAs as biomarkers of storage damage that can be used as tools to evaluate the quality of stored PC. The use of miRNAs as biomarkers of damage is unprecedented and will contribute to improved quality of blood products for transfusions. PMID:26121269

  13. Transaction Cost and Asymmetry of Information -The Twin Odds of Indian Commercial Banks in Rural Credit Market: Theoretical Fragility

    OpenAIRE

    Choudhury, Saswati

    2004-01-01

    This paper delves into the issues of transaction cost and asymmetry of information in the rural credit market. The first two sections deal with theoretical postulation of bank intermediation. The third section discusses the policy and administrative interventions in the rural credit market in India. The fourth section discusses the problem of asymmetry of information and high transaction cost the faced by the commercial banks in the rural credit market in India. The fifth section analyses the...

  14. 77 FR 38838 - Compliance Policy Guide Sec. 230.110-Registration of Blood Banks, Other Firms Collecting...

    Science.gov (United States)

    2012-06-29

    ... HUMAN SERVICES Food and Drug Administration Compliance Policy Guide Sec. 230.110--Registration of Blood... Administration (FDA) is announcing the withdrawal of the compliance policy guide (CPG) entitled ``Sec. 230.110.... FOR FURTHER INFORMATION CONTACT: Robert L. Hummel, Division of Compliance Policy (HFC-230), Food...

  15. Platelet aggregation and quality control of platelet concentrates produced in the Amazon Blood Bank

    OpenAIRE

    Maria José Dantas Coêlho; Taysa de Castro Monteiro; Felicien Gonçalves Vasquez; Kátia Luz Torres Silva; Kleber Sandro Brasil dos Santos; Viviana Maria Araújo de Oliveira; Francimary de Oliveira Cavalcante

    2011-01-01

    BACKGROUND: The study of platelet aggregation is essential to assess in vitro platelet function by different platelet activation pathways. OBJECTIVE: To assess aggregation and biochemical parameters of random platelet concentrates produced at the Fundação HEMOAM using the quality control tests defined by law. METHODS: Whole blood samples from 80 donors and the respective platelet concentrate units were tested. Platelet concentrates were tested (platelet count, aggregation and pH) on days 1, 3...

  16. Impact of Investment in Information Technology on Financial Performance of Nigerian Banks: Is There a Productivity Paradox?

    Directory of Open Access Journals (Sweden)

    BILKISU KABIRU USMAN FAROUK

    2015-04-01

    Full Text Available This research investigates the impact of investment in Information Technology (IT on the financial performance of banks in Nigeria. The study covers post-Banking (2006-2010 consolidation period of 5 years. The population of the study comprises of all the 24 banks, and a random sampling of 10 banks was made. The study employs secondary data generated from annual reports and accounts of the banks, records maintained by the Nigerian Stock Exchange (NSE and Central Bank of Nigeria (CBN reports. The data obtained were analyzed using the panel data regression model where investment in IT (hardware, software and Automated Teller Machine [ATM], total earnings (TR and total cost (TC of the 10 sampled banks were used as the independent variables while financial performance is the dependent variable, proxied by return on assets (ROA, return on equity (ROE, net profit margin (NPM and earnings per share (EPS. Four hypotheses were developed and tested in line with the proxies to the dependent variables. The result from the panel regression revealed that there is a significant relationship between the independent variables and the dependent variables, but the test revealed that the impact of IT investment on the financial performance of Nigeria banks is significant for ROA, ROE and EPS at 5% significance level but not significant for NPM at 5% and 10% significance level. The effect of TR is positive and that of TC is negative on all the four financial performance measures, but the effect of IT investment on all the four financial performance variables is negative, which is not an expected sign. This means that an increase on IT spending leads to a decrease in the financial performance of Nigerian banks, that is to say heavy IT investment does not increase banks profitability, hence there is existence of IT productivity paradox in the Nigeria banking industry.

  17. Aspects of career development and information management policies at the Bank of Japan - a frank interview with a former central banker

    OpenAIRE

    Werner, R. A.

    2004-01-01

    Relatively little empirical research has been published on the internal affairs of central banks. Secrecy is a key aspect of central banking, and this has posed a major obstacle to researchers. In this paper, an experienced and senior former Bank of Japan official is interviewed concerning the personnel management and information management policies, as well as the informal ‘guidance’ at the Bank of Japan. A number of surprising details emerge concerning the personnel management and info...

  18. Employee retention within the Information Technology Division of a South African Bank

    Directory of Open Access Journals (Sweden)

    Joy Mohlala

    2012-02-01

    Full Text Available Orientation: The information technology industry is faced with a shrinking pool of skilled employees causing demand to increase for these employees. This places organisations under pressure to devise retention strategies to retain these employees. This study was conducted in the Information Technology Division of a South African Bank.Research purpose: To understand the challenges faced by the bank’s information technology leadership team to retain employees.Motivation for the study: To understand the challenges faced in attracting and retaining information technology professionals, and how this can serve as input for reducing skills shortages in Information Technology Divisions.Research design, approach and method: An interpretive approach employing a case study strategy and qualitative methods was employed. Semi structured interviews were conducted with thirteen senior managers and four directors of the bank’s Information Technology Division, who were selected on a purposive basis. Data were subjected to Creswell’s four stage data analysis process.Main findings: Findings indicate that employee turnover is the main contributor of skills shortages within the studied division. The lack of a retention strategy is making it difficult for leadership to identify crucial skills that must be retained.Practical/managerial implications: Evidence suggests that this bank, although they would like to retain information technology professionals, is not creating an environment conducive to do this, as little attention is paid to the unique demands of this group of employees.Contribution/value-add: This study investigates a specific group of employees for which a unique retention strategy does not exist. In understanding the challenges that impact on attracting and retaining information technology professionals, this study can contribute to the development of a retention strategy for these employees.

  19. Security and Acceptance of Web Based Marketing Information System among Microfinance Banks in Nairobi Region, Kenya

    Directory of Open Access Journals (Sweden)

    Silvance O. Abeka

    2012-10-01

    Full Text Available Information system (IS acceptance has been the subject of much research in the past two decades. Researchers have concentrated their efforts on identifying the conditions or factors that could facilitate the acceptance of information system (IS into microfinance banks. The purpose of this paper is to find out if there is a significant relationship between security and acceptance of web based marketing information system (MKIs among micro- finance banks in Nairobi Region, Kenya. It also tends to provide deeper understanding on the current security and acceptance level of web based MKIS. Anonymous and self-administered questionnaires were distributed to 383 respondents. A total of 370 usable responses were received, resulting in a response rate of 96.6% which was considered satisfactory for subsequent analysis. Due to the quantitative nature of the study, the results are analysed with statistical measures. The results indicated that Security was influential determinant of acceptance with t= 2.0541, β= 0.120, p< 0.01 at 1% significant level though most respondents indicated that the current security level of the system was low. Theoretical contributions and practical implications of the findings are discussed and suggestions for future research are presented.

  20. Data Quality Approach of the Informative System from the Central Bank of Cuba.

    Directory of Open Access Journals (Sweden)

    Verónica Évora Torres

    2012-09-01

    payments and a monetary convenient politics for an economic sustained growth. To assume these functions it was needed an Informative Bank (SIB System designed for the reception, storage and centralized distribution of the information coming from the Organisms of the Central Administration of the State (OACE and the institutions of the Financial National Bank System, open to the incorporation of new functions characteristic of their activity. The data are critical assets for any organization. If they present lack of quality, are incomplete or are not very efficient, the information will be provided with terrible quality; therefore the success is in achieving a management of Quality of Data. The objective of the work is the definition of the Procedure of Quality of Financial Data by means of a methodological support that guarantees the improvement of automated integrated services: Online (validation services and services Batch (verification, assuring financial data and/or reliable, precise and consistent accountants, exercising a positive impact for the analysts in the execution of their functions.

  1. 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.

  2. Quality management series. How we implemented TQM in our laboratory and our blood bank.

    Science.gov (United States)

    Beesley, J; Helton, H D; Merkley, A; Swalberg, E D

    1993-01-01

    Our experience in laboratory and blood services at LDS Hospital within Intermountain Health Care (IHC) is evidence that the theories behind total quality management (TQM) can be implemented into daily work. Some of the changes and results we have seen are increased employee accountability, paradigm shifts, process improvements, assessment using tools and measurement, increased customer and employee satisfaction, and cost savings. Some areas of the new TQM culture that we have focused on and made tremendous strides in are education in continuous quality improvement (CQI), CQI teams, quality councils, vision setting, self-managed work groups, change of management style, and celebrating success. We have learned that changes in culture take time and patience; managers must be willing to change their style; the CQI process and tools must be used; building trust and aligning values are important; education is key; making mistakes is how we learn; a customer focus is vital; significant change follows finding root causes; and we must just do it and not worry about all the little details. To make the change to a TQM culture, an organization must have faith in its employees, educate them, and be customer focused! PMID:10126513

  3. Estructura y funcionamiento de los bancos de sangre en 4 provincias cubanas Structure and functioning of the blood banks in 4 Cuban provinces

    Directory of Open Access Journals (Sweden)

    María E Alfonso Valdés

    2004-04-01

    Full Text Available Se desarrolló una investigación para estudiar la estructura y funcionamiento de 4 bancos de sangre provinciales del país, su influencia en la calidad de esta actividad y el grado de satisfacción de los donantes, con el empleo de la guía metodológica para investigación de aspectos socio-culturales relacionados con la donación voluntaria de sangre de la Organización Panamericana de la Salud. El estudio arrojó que, en sentido general, los bancos cuentan con la estructura y equipamiento mínimo indispensable para desarrollar su actividad, pero en la mayoría de los casos, necesitan labores de mantenimiento, remodelación de algunas áreas, así como la adquisición y modernización del equipamiento. El funcionamiento general de estos centros es satisfactorio, pero deben mejorarse algunos aspectos como la calidad de la atención a los donantes, la información que se les brinda, las tareas de promoción de la donación y la retención de donantesA research was developed to study the structure and functioning of 4 provincial blood banks in the country, their influence on the quality of this activity and the satisfaction degree of the donors. To this end, it was used the PHO’s methodological guide for investigating the sociocultural aspects related to voluntary blood donations. The study showed that, in general, the banks have the structure and indispensable minimum equipment to develop their activity, but in most of the cases they need maintenance, remodelation of some areas, as well as the purchasing and modernization of equipment. The general functioning of these centers is satisfactory, but some aspects as the quality of the attention to donors, the information given, the activities carried out to promote donations and the retention of donors should be improved

  4. 45 CFR 61.15 - How to dispute the accuracy of Healthcare Integrity and Protection Data Bank information.

    Science.gov (United States)

    2010-10-01

    ... HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON HEALTH CARE PROVIDERS, SUPPLIERS AND PRACTITIONERS Disclosure of Information by the Healthcare... 45 Public Welfare 1 2010-10-01 2010-10-01 false How to dispute the accuracy of...

  5. Impact and Challenges of Information Communication Technology Adoption in the Tanzanian Banking Sector

    OpenAIRE

    Martin Onsiro Ronald; Masese Chuma Benard; Basweti Ogachi Kevin

    2013-01-01

    The banking sector across the globe is embracing ICT technologies and using as part of business strategy for expansion, revenue increase, extension of customer network and creating competitive advantage among banking institutions .This paper is an effort to investigate the impacts and challenges of ICT adoption in the Tanzanian banks. The population is forty eight respondents, four managers were selected from twelve banks and out of the 48 questionnaires distributed, 42 were collected i.e 87....

  6. Information Technology in Malaysia: E - service quality and Uptake of Internet banking

    OpenAIRE

    Murali Raman; Richard Stephen a us; Nafis Alam; Mudiarasan Kuppusamy

    2008-01-01

    I nternet banking is one of the most popular services utilized by the Malaysian retail banking customers in recent years. Despite its attractiveness, studies have shown that the quality of e - services is core a issue that influences adoption of Internet banki ng services worldwide. The objective of this study is to evaluate consumer perceptions on quality of e - services and Internet banking adoption in Malaysia. Results show that Internet banking users ...

  7. 78 FR 28619 - Proposed Information Collection; Fish and Wildlife Service Conservation Banking Survey

    Science.gov (United States)

    2013-05-15

    ... Banking Survey AGENCY: Fish and Wildlife Service, Interior. ACTION: Notice; request for comments. SUMMARY... impediments to the habitat conservation banking program, and develop possible options for encouraging expanded... and purchasers of conservation banking credits. The surveys will benefit the Service by helping...

  8. Information Technology in Malaysia: E - service quality and Uptake of Internet banking

    Directory of Open Access Journals (Sweden)

    Murali Raman

    2008-08-01

    Full Text Available I nternet banking is one of the most popular services utilized by the Malaysian retail banking customers in recent years. Despite its attractiveness, studies have shown that the quality of e - services is core a issue that influences adoption of Internet banki ng services worldwide. The objective of this study is to evaluate consumer perceptions on quality of e - services and Internet banking adoption in Malaysia. Results show that Internet banking users and non - users have different expectation towards e - service q uality preferences. The implications are discussed and recommendations are made in order to improve Internet banking service quality in Malaysia

  9. Essays on banking

    OpenAIRE

    Tumer-Alkan, G.

    2008-01-01

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

  10. Interaction between information systems and work in the brazilian banking sector

    Directory of Open Access Journals (Sweden)

    Elaine Tavares

    2011-01-01

    Full Text Available This article presents the results of a research to understand the conditions of interaction between work and three specific information systems (ISs used in the Brazilian banking sector. We sought to understand how systems are redesigned in work practices, and how work is modified by the insertion of new systems. Data gathering included 46 semi-structured interviews, together with an analysis of system-related documents. We tried to identify what is behind the practices that modify the ISs and work. The data analysis revealed an operating structure: a combination of different practices ensuring that the interaction between agents and systems will take place. We discovered a structure of reciprocal conversion caused by the increased technical skills of the agent and the humanization of the systems. It is through ongoing adjustment between work and ISs that technology is tailored to the context and people become more prepared to handle with technology.

  11. Restoration of intracellular ATP production in banked red blood cells improves inducible ATP export and suppresses RBC-endothelial adhesion.

    Science.gov (United States)

    Kirby, Brett S; Hanna, Gabi; Hendargo, Hansford C; McMahon, Timothy J

    2014-12-15

    Transfusion of banked red blood cells (RBCs) has been associated with poor cardiovascular outcomes. Storage-induced alterations in RBC glycolytic flux, attenuated ATP export, and microvascular adhesion of transfused RBCs in vivo could contribute, but the underlying mechanisms have not been tested. We tested the novel hypothesis that improving deoxygenation-induced metabolic flux and the associated intracellular ATP generation in stored RBCs (sRBCs) results in an increased extracellular ATP export and suppresses microvascular adhesion of RBCs to endothelium in vivo following transfusion. We show deficient intracellular ATP production and ATP export by human sRBCs during deoxygenation (impairments ~42% and 49%, respectively). sRBC pretreatment with a solution containing glycolytic intermediate/purine/phosphate precursors (i.e., "PIPA") restored deoxygenation-induced intracellular ATP production and promoted extracellular ATP export (improvement ~120% and 50%, respectively). In a nude mouse model of transfusion, adhesion of human RBCs to the microvasculature in vivo was examined. Only 2% of fresh RBCs (fRBCs) transfused adhered to the vascular wall, compared with 16% of sRBCs transfused. PIPA pretreatment of sRBCs significantly reduced adhesion to just 5%. In hypoxia, adhesion of sRBCs transfused was significantly augmented (up to 21%), but not following transfusion of fRBCs or PIPA-treated sRBCs (3.5% or 6%). Enhancing the capacity for deoxygenation-induced glycolytic flux within sRBCs increases their ability to generate intracellular ATP, improves the inducible export of extracellular anti-adhesive ATP, and consequently suppresses adhesion of stored, transfused RBCs to the vascular wall in vivo. PMID:25305182

  12. Impact of Information Technology (IT Investments on the Cost Efficiency of Indian Private Sector Banks-A Stochastic Frontier Approach (SFA

    Directory of Open Access Journals (Sweden)

    S.T. Surulivel

    2013-08-01

    Full Text Available This research study explores the Cost efficiency of Indian Private Sector banks by employing Stochastic Frontier Approach (SFA. This paper empirically evaluated the impact of Information Technology (IT on the Cost efficiency of the Indian private sector banks .The present study is based on panel data over the period of 2009-2013. For this study, all the 13 old private sector banks and 7 new private sector banks of India are being considered. This study identifies the average cost efficiency of old private sector banks found to be 94.9% and for new private sector banks 82.6% over the entire period of study. The findings of this study suggest that to some extent IT impact the cost efficiency of Indian private sector banks. Some of Old private sector bank cost inefficiency reduced by 28% for the study period by Information Technology (IT and for New private sector banks cost inefficiency reduced by 11.3% Information Technology (IT. Thus, Information Technology contributes to cost efficiency to both old and new private sector banks.

  13. Do Asymmetric Information and Ownership Structure Matter for Dividend Payout Decisions? Evidence from European Banks

    OpenAIRE

    Lepetit, Laetitia; Meslier, Celine; Wardhana, Leo Indra

    2015-01-01

    We empirically examine whether banks' dividend decisions are influenced by their degree of opacity and ownership structure. We find that banks with concentrated or dispersed ownership structure pay lower dividends when they have high degrees of opacity. These results would be consistent with the entrenchment behavior hypothesis, with insiders (managers or majority shareholders) paying lower dividends to extract higher levels of private benefits when banks' opacity is high. Higher levels of sh...

  14. 路径管理在血站体采科中的应用探讨%The application of the administer of pathway in the Physical examination & blood collection department of the Blood-bank

    Institute of Scientific and Technical Information of China (English)

    陈秀兰

    2012-01-01

    Objective To investigate the effcet on of the application of the administer of pathway in the Physical examination & blood collection department of the Blood-bank. Methods The 400 blood donors were probabilistically separated for the control group and the experimental group, based on 200 cases each group. The analysis to evaluate was proceed by the degree of the blood donors satisfaction and the incidence rate of the blood donation reaction. Results The degree of the blood donors satisfaction: The total degrees of the blood donors satisfaction for the control group and the experimental group are 94.5% and 99.5%, and the degree of the blood donors satisfaction for the experimental group was obviously improved. The results of both the degrees of the blood donors satisfaction were compared, and their differences all were statistically significant (p<0.01). The incidence rate of the blood donation reaction: The incidence rates of the blood donation reaction for the control group and the experimental group are 4.5% and 1%, and the incidence rate of the blood donation reaction for the experimental group was obviously reduced. The results of both t the incidence rates of the blood donation reaction were compared, and their differences all were statistically significant (p<0.05). Conclusions It is ideal to repair the soft tissue defect of the thumb’s fingertips, and there is a high survival rate and a good sensory function recovery, which was worth selecting and applying reasonably, basing on environment concerned therapy. The administer of the blood collection pathway to carry out could improve the whole service function of the the Physical examination & blood collection department of the Blood-bank, and the social benefit and the quality of the job for the Blood-bank, which was worth to extend.%目的探讨路径管理在血站体采科应用的影响.方法将400例献血者随机分为对照组和实验组,每组200例,对两组献血者的满意度和献血反

  15. Impact of Corporate Governance on Social and Environmental Information Disclosure of Malaysian Listed Banks: Panel Data Analysis

    OpenAIRE

    Mohamad Akhyar Adnan; Hafiz Majdi Ab. Rashid; Sheila Nu Nu Htay; Ahamed Kameel Mydin Meera

    2012-01-01

    This study investigates the impact of corporate governance on social and environmental information disclosure of Malaysian listed banks by using a panel data analysis. The proxies for good corporate governance are board leadership structure, board composition, board size, director ownership, institutional ownership and block ownership. Social and environmental information disclosure index is developed and content analysis is conducted by cross checking between the social and environm...

  16. CORPORATE GOVERNANCE „ACTORS”’ CAPABILITY AND RISK INFORMATION TRANSPARENCY – EMPIRICAL STUDY ON EUROPEAN BANKING SYSTEM

    OpenAIRE

    STEFANESCU Cristina Alexandrina

    2014-01-01

    The purpose of our empirical study is to assess the relationship between corporate governance „actors”’ capability and risk information transparency in European banking system. The research methodology used for achieving our goal is based on correlation tests and regression analyses for identifying and assessing the relationships between the “risk information disclosure index” developed and the experience and education of both board of directors and audit committees’ members. The results of t...

  17. Oculina Banks Habitat Area of Particular Concern Geographic Information System 2002 (NODC Accession 0090252)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — OGIS provides a comprehensive, interactive data source for the Oculina Banks Habitat Area of Particular Concern (OHAPC), a marine protected area off the east coast...

  18. 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.

  19. The Role of Information Technology in Reduction of Administrative Corruption through Increasing of Information transparency, Improvement of Accountability and Promotion of Integrity; A Case Study of Saderat Bank Branches in Isfahan

    OpenAIRE

    Hosein Sharifi-Renani; Mohammad Hosein Moshref-Javadi; Marzieh Hajipoor

    2014-01-01

    The purpose of this study is to investigate the relationship between information transparency, improve accountability and enhance the reliability and accuracy of the use of information technology (telephone, fax, computer and electronic banking services) to reduce corruption in Saderat Bank Branches in Isfahan. The method of this study is Solidarity-Survey. This study uses Cohen, Morgan and Krejcie table and selectes 269 samples randomly among the 900 employees of Saderat Bank Branches. The d...

  20. 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.

  1. Impact and Challenges of Information Communication Technology Adoption in the Tanzanian Banking Sector

    Directory of Open Access Journals (Sweden)

    Martin Onsiro Ronald

    2013-02-01

    Full Text Available The banking sector across the globe is embracing ICT technologies and using as part of business strategy for expansion, revenue increase, extension of customer network and creating competitive advantage among banking institutions .This paper is an effort to investigate the impacts and challenges of ICT adoption in the Tanzanian banks. The population is forty eight respondents, four managers were selected from twelve banks and out of the 48 questionnaires distributed, 42 were collected i.e 87.5% response, purposive sampling was used and the data collected was analyzed using SPSS, the researcher employed use of mean and standard deviation. The study found out that there is a need for bankers to educate public in the use of online banking products, invest more into ICT infrastrure and the government to reduce tax of ICT gadgets. This study recommends that individual technologies need to be investigated, impact of adopting other individual technologies, profitability and performance issues should also be investigated to open up and clear the way for policy and business decisions.

  2. What Is a Blood Transfusion?

    Science.gov (United States)

    ... see "What Are the Risks of a Blood Transfusion?" ) Blood bank staff also screen each blood donation to find out whether it's type A, B, AB, or O and whether it's Rh-positive or Rh-negative. Getting a blood type that ... blood for a transfusion, some blood banks remove white blood cells. This ...

  3. Banking of pluripotent adult stem cells as an unlimited source for red blood cell production: potential applications for alloimmunized patients and rare blood challenges.

    Science.gov (United States)

    Peyrard, Thierry; Bardiaux, Laurent; Krause, Claire; Kobari, Ladan; Lapillonne, Hélène; Andreu, Georges; Douay, Luc

    2011-07-01

    The transfusion of red blood cells (RBCs) is now considered a well-settled and essential therapy. However, some difficulties and constraints still occur, such as long-term blood product shortage, blood donor population aging, known and yet unknown transfusion-transmitted infectious agents, growing cost of the transfusion supply chain management, and the inescapable blood group polymorphism barrier. Red blood cells can be now cultured in vitro from human hematopoietic, human embryonic, or human-induced pluripotent stem cells (hiPSCs). The highly promising hiPSC technology represents a potentially unlimited source of RBCs and opens the door to the revolutionary development of a new generation of allogeneic transfusion products. Assuming that in vitro large-scale cultured RBC production efficiently operates in the near future, we draw here some futuristic but realistic scenarios regarding potential applications for alloimmunized patients and those with a rare blood group. We retrospectively studied a cohort of 16,486 consecutive alloimmunized patients (10-year period), showing 1 to 7 alloantibodies with 361 different antibody combinations. We showed that only 3 hiPSC clones would be sufficient to match more than 99% of the 16,486 patients in need of RBC transfusions. The study of the French National Registry of People with a Rare Blood Phenotype/Genotype (10-year period) shows that 15 hiPSC clones would cover 100% of the needs in patients of white ancestry. In addition, one single hiPSC clone would meet 73% of the needs in alloimmunized patients with sickle cell disease for whom rare cryopreserved RBC units were required. As a result, we consider that a very limited number of RBC clones would be able to not only provide for the need for most alloimmunized patients and those with a rare blood group but also efficiently allow for a policy for alloimmunization prevention in multiply transfused patients. PMID:21377319

  4. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  5. Bank Funding Modes

    OpenAIRE

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

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

  6. Cryopreservation of blood mononuclear leukocytes and stem cells suspended in a large fluid volume. A preclinical model for a blood stem cell bank.

    Science.gov (United States)

    Fliedner, T M; Körbling, M; Calvo, W; Bruch, C; Herbst, E

    1977-09-29

    It was the purpose of this study to establish and evaluate a freezing-and-thawing method for preservation of hemopoietic stem cells from the peripheral blood. Blood leukocytes collected by means of an IBM Blood-Cell-Separator were frozen in plastic bags using 10% DMSO and controlled cooling rates. Thawing was performed rapidly, and DMSO was diluted and removed prior to the in-vitro and in-vivo assays. The mean recovery of mononuclear cells collected from 82 leukaphereses was 86%. To assess the recovery of cryopreserved hemopoietic stem cells, the soft agar culture method adapted for the dog was used. There was no significant difference in the CFUc recovery per 1 X 10(6) mononuclear cells or in per leukapheresis after different cryopreservation times (1--6 and 7--27 months). To evaluate the hemopoietic repopulation capability of cryopreserved blood stem cells, leukapheresis-derived leukocytes were transfused into 1200 R whole body x-irradiated dogs. The hemopoietic repopulation pattern at day 10 after transfusion of comparable numbers of fresh or frozen leukocytes was not significantly different, as measured in bone marrow smears and sections and by granulocyte concentration in the peripheral blood. PMID:912104

  7. Blood banks meet the paradox of Gabriel's Horn: what are the options to maintain supply as demand decreases?

    Science.gov (United States)

    Beckman, N; Yazer, M; Land, K; Chesneau, S; Caulfield, J

    2016-06-01

    Blood services worldwide have observed a decline in the demand for red blood cells (RBC). Despite this general decline, the demand profile has changed significantly with the demand for O D negative RBCs being maintained; whereas B D positive and AB D positive RBC demand has been reduced. In 2015, the blood type O D negative was seen in 6·3% of the combined first time donors among the five American Blood Centres involved in this study and 7·4% of first time Australian donors in 2014/2015, whereas O D negative distributions accounted for 10·5% of all red cell units issued by the American centres and 13·9% by the Australian centres. Inventory can therefore be of sufficient overall quantity but may not be adequate for the demand for units with specific blood types. Recruitment of new donors may need to become more targeted and/or financial or inventory control measures could also be required to ensure inventory matches demand. Blood Services will need to consider the available options in order to ensure that sufficiency of supply is secure and the donor panel is optimised to meet the new demand paradigm. PMID:27138691

  8. Prevalence and trends of transfusion transmitted infections among blood donors of blood bank attached to government hospital of South Gujarat, India

    Directory of Open Access Journals (Sweden)

    Gopi H. Dobariya

    2016-09-01

    Conclusions: Prevalence of TTIs in the present study was lower as compare to other studies of the India. The reasons behind this finding may be better pre-donation counseling, better life style, higher proportion of voluntary blood donation (> 99% and high pre-donation deferral rate (11.17%. [Int J Res Med Sci 2016; 4(9.000: 4123-4127

  9. Isolation of mesenchymal stromal/stem cells from small-volume umbilical cord blood units that do not qualify for the banking system.

    Science.gov (United States)

    Yoshioka, Satoshi; Miura, Yasuo; Iwasa, Masaki; Fujishiro, Aya; Yao, Hisayuki; Miura, Masako; Fukuoka, Masaaki; Nakagawa, Yoko; Yokota, Asumi; Hirai, Hideyo; Ichinohe, Tatsuo; Takaori-Kondo, Akifumi; Maekawa, Taira

    2015-08-01

    The clinical application of mesenchymal stromal/stem cells (MSCs) has been extensively explored. In this study, we examined the availability of freshly donated umbilical cord blood (UCB) units that do not qualify for the Japanese banking system for transplantation because of their small volume as a source of MSCs. Forty-five UCB units were used. The median volume of each UCB unit and number of nucleated cells per unit were 40 mL and 5.39 × 10(8), respectively. MSCs were successfully isolated from 18 of 45 units (40 %). The MSC isolation rate was not affected by cell processing method or the interval between delivery and cell processing. The volume of the UCB unit and the mononuclear cell count were predictive factors of the MSC isolation rate. MSCs were effectively isolated by selecting UCB units with a volume of ≥54 mL and containing ≥1.28 × 10(8) mononuclear cells, yielding a MSC isolation rate of >70 %. UCB-derived MSCs were similar to bone marrow-derived MSCs in terms of their morphology, surface marker expression, and differentiation potential, apart from adipogenesis. Our data indicate that UCB units that are currently discarded due to inadequate volume should be reconsidered as a source of MSCs using the well-established UCB banking system. PMID:26121953

  10. 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.

  11. Islamic Banking

    OpenAIRE

    BLÁHA, Jakub

    2014-01-01

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

  12. The Component Event Data Bank: a tool for collecting and organizing information on NPPs component behaviour

    International Nuclear Information System (INIS)

    The Component Event Data Bank - CEDB - is an organized collection of failure/repair events for nuclear and conventional power plant components, in which are specified the ''pedigree'', operational duties and environmental conditions of the components concerned. The main scope of the CEDB within the European Reliability Data System and its present status are presented. The development of the project from 1984 up to now is described, along with some particular achievements. (author)

  13. An Industry Analysis: The Impact of Information Technology on Commercial Banking Business in Malaysia

    OpenAIRE

    Wong, Whye Keong

    2003-01-01

    The local banking industry has undergone significant transformation in recent years. In just a few years’ time, waves of consolidation and modernization have fundamentally altered the industry’s landscape. While regulatory change was noted as the driving force behind the transformation, there were nevertheless other forces at work as well. The purpose of this study is to identify and analyze these forces individually and collectively, and then single out IT to determine its roles and impact o...

  14. Initiative, Incentives and Soft Information. How Does Delegation Impact The Role of Bank Relationship Managers?

    OpenAIRE

    Jose Maria Liberti

    2004-01-01

    This paper empirically examines how changes in the hierarchical structure of a large organization can affect incentives. The empirical analysis exploits a change in the hierarchical structure of the Corporate Division of a private foreign commercial bank in Argentina between 1999 and 2001. Using detailed hand collected data on credit approvals, as well as perceived effort measures for each relationship manager from quality surveys done to borrowing firms, I test whether delegation of authorit...

  15. The use of disruptive information technologies for competitive advantage in the banking sector of South Africa.

    OpenAIRE

    Windell, Anneke C.; Kroeze, Jan H

    2009-01-01

    The main focus of this paper is to determine the impact of disruptive technology in the ICT environment and how new technologies can be managed in a secured architecture framework of organisations in the banking sector. Change management has a specific role to play as any introduction of new technology in the workplace is dependent on a successful change management process. Furthermore, the purpose of the research is to provide insight and principles when companies need to make informat...

  16. The miRNA Profile of Platelets Stored in a Blood Bank and Its Relation to Cellular Damage from Storage

    OpenAIRE

    Pontes, Thaís Brilhante; Moreira-Nunes, Caroline de Fátima Aquino; Maués, Jersey Heitor da Silva; Lamarão, Letícia Martins; de Lemos, José Alexandre Rodrigues; Montenegro, Raquel Carvalho; Burbano, Rommel Mário Rodriguez

    2015-01-01

    Millions of blood products are transfused each year, and many lives are directly affected by transfusion. Platelet concentrate (PC) is one of the main products derived from blood. Even under good storage conditions, PC is likely to suffer cell damage. The shape of platelets changes after 5 to 7 days of storage at 22°C. Taking into consideration that some platelet proteins undergo changes in their shape and functionality during PC storage. Sixteen PC bags were collected and each PC bag tube wa...

  17. Informational Capacity of the Financial Statements of Brazilian Banks: An Analysis from the Perspective of Liquidity Risk

    Directory of Open Access Journals (Sweden)

    Orleans Silva Martins

    2012-12-01

    Full Text Available This study aims to analyze the financial statements of Brazilian banks, from the perspective of liquidity risk by exploring whether the Statements of Cash Flows and Notes to these companies meet the requirements concerning the dissemination of liquidity risk demands by IFRS 7 and the principles of the Basel Committee. Additionally, we investigated whether the coefficients of box cover these companies, calculated from the DFC, show some respect to compliance with those requirements. For that, was raised a theoretical framework about liquidity and liquidity risk, and the role of DFC and Notes before the disclosure of information relating to liquidity. Accordingly, an exploratory study was conducted with the 28 companies that comprise the Banks segment of the BM&F Bovespa, through its financial statements for the year 2009. The main results indicate a low capacity of these informative statements about the situation and liquidity risk, given that only 60.71% of the requirements contained in the standards were met. Still, we conclude that the mere fact that it has good cash coverage ratios is not a necessary condition to be among the companies that meet the disclosure requirements of the situation and liquidity risk, or vice versa. Thus, even when companies have good liquidity indicators, the information required by the IASB and the BCBS has not been disclosed in its financial statements.

  18. Development and Countermeasures of Internet Banking in the Information Age%信息时代下网络银行的发展及对策

    Institute of Scientific and Technical Information of China (English)

    辛娜

    2016-01-01

    With the development of China's e-commerce platform, internet banking into the banking sector carrying the train of science and technology. Internet banking use their advantage of being free from time and space constraints, breaking information symmetry, realized the 3A (anytime\\anywhere\\anyway), so as to provide customers with convenient and efficient financial services. In this paper, the comparison between the internet bank and the traditional bank, describes the development and countermeasures of internet banking in the information age from the business model, risk types and business regulation three aspects, thus further promote the development of internet banking.%我国电子商务平台的快速发展,网络银行以其不受时间、空间的限制、打破信息对称的优势,实现了3A (anytime\\anywhere\\anyway)为客户提供方便快捷的金融服务。通过网络银行与传统银行的对比,从经营模式、风险类型和业务监管,从三个方面全面阐释信息时代下网络银行的发展及对策。

  19. THE BANK LOANS IMPORTANCE, INFORMATION ASYMMETRY AND THE IMPACT OF FINANCIAL AND ECONOMIC CRISIS ON CORPORATE FINANCING

    OpenAIRE

    Mircea Tiberiu Ducai

    2012-01-01

    Bank loans have an increasing role for corporate activities. In most countries, bank loans are the main source of financing for small and medium-sized enterprises. Even though the role of banks decreased in the last years, banks take advantage of a privileged position which allows them to provide liquidity cheaply than other intermediaries. The activity of bank lending is often influenced by the adverse selection due to the fact that corporate clients are often reluctant, in providing the com...

  20. Information on Blood Alcohol Concentration: Evaluation of Two Alcohol Nomograms.

    Science.gov (United States)

    Werch, Chudley E.

    1988-01-01

    Compared utility of two common alcohol nomograms on impacting decisions regarding drinking, driving after drinking, knowledge of relationship between personal alcohol consumption and the legal level of intoxication, and consumer evaluation measures, to utility of alcohol information warning card. Nomograms were no more effective than cards warning…

  1. Bank Customers Management System

    OpenAIRE

    Ebubeogu Amarachukwu Felix

    2015-01-01

    ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is A...

  2. Does quantity matter? : An investigation of the quantity of information in risk reports  effect on the financial performance of EU banks

    OpenAIRE

    Holm, Jesper; Bergström, Emelie

    2014-01-01

    Banks within Europe have a major role in the European financial system. The financial collapse in 2008 made regulators well aware of the importance of corporate transparency to allow stakeholders to assess the banks health and maintain a stable market. Risk reporting within the European Union (EU) contributes to transparency in terms of disclosing information on risk management activities. The heavy regulations and demand from investors have caused the extent of risk reports to increase over ...

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

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

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

  4. The Perception of Bank Employee s towards Cost of Adoption, Risk of Innovation, and Sta ff Training’s Influence on The Adoption of Information and Co mmunication Technology in The Rwandan Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abiud Moronge Machogu

    2012-08-01

    Full Text Available The developments in information technology are radically changing the platform of business transactions in Rwanda. However, the adoption and usage is essentially an aftermath of banks’ perception and willingness to embrace and internalize change. This assumption was investigated among the commercial banks in Rwanda with regard to ICTs’ cost of adoption, risk of innovation, and staff training. This research was perceptual-tailored and relationship-orient ed; identifying the underpinning elements and pinpointing relationships on how the principal factors foster the adoption and usage of ICT in Rwandan commercial banks. Hence, the research is descriptive and correlation research design. Data was collected through a self-constructed and statistically validated questionnaire, thus five commercial banks were used for the research. A sample size of 274 employees of different managerial positions was used for the study. Stratified sampling technique was adopted to sample the employees in each department from the various banks headquarters, and the random sampling technique was used to administer the questionnaires to the respondents. A total of 353 questionnaires were distributed and 274 usable questi onnaires were retr ieved and utilized for the statistical analysis. The statistical results indicate that cost of adoption, risk of innovation, staff training had perceived and significant influence on ICT adoption and usage among the surveyed commercial banks in Rwanda.

  5. Tissue-Informative Mechanism for Wearable Non-invasive Continuous Blood Pressure Monitoring

    Science.gov (United States)

    Woo, Sung Hun; Choi, Yun Young; Kim, Dae Jung; Bien, Franklin; Kim, Jae Joon

    2014-10-01

    Accurate continuous direct measurement of the blood pressure is currently available thru direct invasive methods via intravascular needles, and is mostly limited to use during surgical procedures or in the intensive care unit (ICU). Non-invasive methods that are mostly based on auscultation or cuff oscillometric principles do provide relatively accurate measurement of blood pressure. However, they mostly involve physical inconveniences such as pressure or stress on the human body. Here, we introduce a new non-invasive mechanism of tissue-informative measurement, where an experimental phenomenon called subcutaneous tissue pressure equilibrium is revealed and related for application in detection of absolute blood pressure. A prototype was experimentally verified to provide an absolute blood pressure measurement by wearing a watch-type measurement module that does not cause any discomfort. This work is supposed to contribute remarkably to the advancement of continuous non-invasive mobile devices for 24-7 daily-life ambulatory blood-pressure monitoring.

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

    OpenAIRE

    Zhengwei Ma; Luying Ma; Jinkun Zhao

    2011-01-01

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

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

    OpenAIRE

    Ali Sanayei; Arash Shahin; Hamideh Salimian

    2014-01-01

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

  8. Evaluation of surrogate markers for human immunodeficiency virus infection among blood donors at the blood bank of "Hospital Universitário Regional Norte do Paraná", Londrina, PR, Brazil

    Directory of Open Access Journals (Sweden)

    Reiche Edna Maria Vissoci

    2003-01-01

    Full Text Available This study evaluated the usefulness of the anti-HBc, hepatitis C virus antibodies (anti-HCV, human T cell lymphotropic virus I and II antibodies (anti-HTLV I/II, serologic tests for syphilis, and surface antigen of hepatitis B virus (HBsAg as surrogate markers for the risk for HIV infection in 80,284 serum samples from blood donors from the Blood Bank of "Hospital Universitário Regional Norte do Paraná", Londrina, Paraná State, Brazil, analyzed from July 1994 to April 2001. Among 39 blood donors with positive serology for HIV, 12 (30.8% were anti-HBc positive, 10 (25.6% for anti-HCV, 1 (2.6% for anti-HTLV I/I, 1 (2.6% was positive for syphilis, and 1 (2.6% for HBsAg. Among the donors with negative serology for HIV, these markers were detected in 8,407 (10.5%, 441 (0.5%, 189 (0.2%, 464 (0.6%, and 473 (0.6% samples, respectively. The difference was statistically significant (p < 0.001 for anti-HBc and anti-HCV. Although the predictive positive value for these surrogate markers were low for HIV infection, the results confirmed the anti-HBc and anti-HCV as useful surrogate markers for HIV infection thus reinforcing the maintenance of them in the screening for blood donors contributing to the prevention of the small number of cases in which HIV is still transmitted by transfusion.

  9. The Role of Information Technology in Reduction of Administrative Corruption through Increasing of Information transparency, Improvement of Accountability and Promotion of Integrity; A Case Study of Saderat Bank Branches in Isfahan

    Directory of Open Access Journals (Sweden)

    Hosein Sharifi-Renani

    2014-02-01

    Full Text Available The purpose of this study is to investigate the relationship between information transparency, improve accountability and enhance the reliability and accuracy of the use of information technology (telephone, fax, computer and electronic banking services to reduce corruption in Saderat Bank Branches in Isfahan. The method of this study is Solidarity-Survey. This study uses Cohen, Morgan and Krejcie table and selectes 269 samples randomly among the 900 employees of Saderat Bank Branches. The data were obtained from the two questionnaires with content validity that confirmed by experts and stationary with Cronbach's alpha coefficients for the 0.96 and 0.92. Results were analyzed statistically with the use of descriptive statistics, Pearson correlation coefficient, multiple regression analysis and path analysis. Results showed that information transparency, improve accountability and enhance the reliability and integrity of information technology, including telephone and fax, computer and electronic banking services and have a direct relation with the reduction of corruption.

  10. Assessment of performance of professionals in immunohematology proficiency tests of the public blood bank network of the state of Minas Gerais

    Directory of Open Access Journals (Sweden)

    Stela Brener

    2012-01-01

    Full Text Available BACKGROUND: Despite significant advances, the practice of blood transfusion is still a complex process and subject to risks. Factors that influence the safety of blood transfusion include technical skill and knowledge in hemotherapy mainly obtained by the qualification and training of teams. OBJECTIVE: This study aimed to investigate the relationship between professional categories working in transfusion services of the public blood bank network in the State of Minas Gerais and their performance in proficiency tests. METHODS: This was an observational cross-sectional study (2007-2008 performed using a specific instrument, based on evidence and the results of immunohematology proficiency tests as mandated by law. RESULTS: The error rates in ABO and RhD phenotyping, irregular antibody screening and cross-matching were 12.5%, 9.6%, 43.8% and 20.1%, respectively. When considering the number of tests performed, the error rates were 4.6%, 4.2%, 26.7% and 11.0%, respectively. The error rates varied for different professional categories: biochemists, biologists and biomedical scientists (65.0%, clinical pathology technicians (44.1% and laboratory assistants, nursing technicians and assistant nurses (74.6%. A statistically significant difference was observed when the accuracy of clinical pathology technicians was compared with those of other professionals with only high school education (p-value < 0.001. This was not seen for professionals with university degrees (p-value = 0.293. CONCLUSION: These results reinforce the need to invest in training, improvement of educational programs, new teaching methods and tools for periodic evaluations, contributing to increase transfusion safety and improve hemotherapy in Brazil.

  11. Cord Blood

    Directory of Open Access Journals (Sweden)

    Saeed Abroun

    2014-05-01

    Full Text Available   Stem cells are naïve or master cells. This means they can transform into special 200 cell types as needed by body, and each of these cells has just one function. Stem cells are found in many parts of the human body, although some sources have richer concentrations than others. Some excellent sources of stem cells, such as bone marrow, peripheral blood, cord blood, other tissue stem cells and human embryos, which last one are controversial and their use can be illegal in some countries. Cord blood is a sample of blood taken from a newborn baby's umbilical cord. It is a rich source of stem cells, umbilical cord blood and tissue are collected from material that normally has no use following a child’s birth. Umbilical cord blood and tissue cells are rich sources of stem cells, which have been used in the treatment of over 80 diseases including leukemia, lymphoma and anemia as bone marrow stem cell potency.  The most common disease category has been leukemia. The next largest group is inherited diseases. Patients with lymphoma, myelodysplasia and severe aplastic anemia have also been successfully transplanted with cord blood. Cord blood is obtained by syringing out the placenta through the umbilical cord at the time of childbirth, after the cord has been detached from the newborn. Collecting stem cells from umbilical blood and tissue is ethical, pain-free, safe and simple. When they are needed to treat your child later in life, there will be no rejection or incompatibility issues, as the procedure will be using their own cells. In contrast, stem cells from donors do have these potential problems. By consider about cord blood potency, cord blood banks (familial or public were established. In IRAN, four cord blood banks has activity, Shariati BMT center cord blood bank, Royan familial cord blood banks, Royan public cord blood banks and Iranian Blood Transfusion Organ cord blood banks. Despite 50,000 sample which storage in these banks, but the

  12. Retail Banking

    OpenAIRE

    Adam Szafarczyk

    2008-01-01

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

  13. Public Disclosure and Bank Failures

    OpenAIRE

    Eduardo Levy Yeyati; Tito Cordella

    1998-01-01

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

  14. Cognitive interviewing methodology in the development of a pediatric item bank: a patient reported outcomes measurement information system (PROMIS study

    Directory of Open Access Journals (Sweden)

    DeWalt Darren A

    2009-01-01

    Full Text Available Abstract Background The evaluation of patient-reported outcomes (PROs in health care has seen greater use in recent years, and methods to improve the reliability and validity of PRO instruments are advancing. This paper discusses the cognitive interviewing procedures employed by the Patient Reported Outcomes Measurement Information System (PROMIS pediatrics group for the purpose of developing a dynamic, electronic item bank for field testing with children and adolescents using novel computer technology. The primary objective of this study was to conduct cognitive interviews with children and adolescents to gain feedback on items measuring physical functioning, emotional health, social health, fatigue, pain, and asthma-specific symptoms. Methods A total of 88 cognitive interviews were conducted with 77 children and adolescents across two sites on 318 items. From this initial item bank, 25 items were deleted and 35 were revised and underwent a second round of cognitive interviews. A total of 293 items were retained for field testing. Results Children as young as 8 years of age were able to comprehend the majority of items, response options, directions, recall period, and identify problems with language that was difficult for them to understand. Cognitive interviews indicated issues with item comprehension on several items which led to alternative wording for these items. Conclusion Children ages 8–17 years were able to comprehend most item stems and response options in the present study. Field testing with the resulting items and response options is presently being conducted as part of the PROMIS Pediatric Item Bank development process.

  15. Bank ties and firm performance in Japan

    OpenAIRE

    McGuire, Patrick

    2015-01-01

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

  16. Influences of Formal Learning, Personal Characteristics, and Work Environment Characteristics on Informal Learning among Middle Managers in the Korean Banking Sector

    Science.gov (United States)

    Choi, Woojae

    2010-01-01

    The purpose of this study was to investigate the influences of formal learning, personal characteristics, and work environment characteristics on informal learning among middle managers in the Korean banking sector. The conceptual framework identified three factors influencing informal learning. For this study, data collection was conducted in the…

  17. 商业银行信息系统整合的设计与实现%Design and implementation of commercial bank information system integration

    Institute of Scientific and Technical Information of China (English)

    孙萌婧

    2014-01-01

    商业银行中的信息系统的整合从20世纪50年代,国外先进的商业银行引入计算机技术,信息化的发展管理包括;数据管理阶段、信息管理阶段和知识管理阶段和知识管理阶段等。我国商业银行系统的功能,有着银行广域网的数据传输,地区商业银行用应用交付网络建设,网上银行应用安全性,,服务器虚拟化系统搞可用性及应用, ATM前置机负载,银行文件存储。金融业在世界经济中有着主要的调节作用,商业银行作为金融业的主要成分,对国家之间的经济安全、社会稳定。综合性的商业银行信息系统整合中的信贷风险防范尤为重要,要如何建立一个以信息技术强化商业银行系统的实现,是我国的主要任务之一。%The information system of commercial bank integration from the 50's of the twentieth Century, the foreign advanced commercial banks introducing computer technology,including the development of information management; data management,information management and knowledge management and knowledge management stage. The system of commercial banks in China,a data bank of wide area network, regional commercial banks with application delivery network construction,security, Internet banking application,server virtualization systems availability and application,ATM front-end load, bank file storage.The financial industry has a major role in the world economy,commercial banks as the main component of the financial sector, between the national economic security, social stability.Integration of commercial bank information system integrated in the credit risk management is particularly important, how to establish an information technology to enhance the commercial bank system, is one of the main task of our country.

  18. Integrating Trust and Computer Self - Efficacy with TAM: An Empirical Assessment of Customers’ Acceptance of Banking Information Systems (BIS in Jamaica

    Directory of Open Access Journals (Sweden)

    Michael Reid

    2008-08-01

    Full Text Available Financial institutions all over the world are providing banking services via information systems, such as: automated teller machines (ATMs, Internet banking, and tel ephone banking, in an effort to remain competitive as well as enhancing customer service. However, the acceptance of such banking information systems (BIS in developing countries remains open. The classical Technology Acceptance Model (TAM has been well validated over hundreds of studies in the past two decades. This study contributed to the extensive body of research of technology acceptance by attempting to validate the integration of trust and computer self - efficacy (CSE constructs into the classical TAM model. Moreover, the key uniqueness of this work is in the context of BIS in a developing country, namely Jamaica. Based on structural equations modeling using data of 374 customers from three banks in Jamaica, this study results indicated that the cla ssic TAM provided a better fit than the extended TAM with Trust and CSE. However, the results also indicated that trust is indeed a significant construct impacting both perceived usefulness and perceived ease - of - use. Additionally, test for gender differenc es indicated that across all study participants, only trust was found to be significantly different between male and female bank customers. Conclusions and recommendations for future research are also provided

  19. A Case Study on E - Banking Security – When Security Becomes Too Sophisticated for the User to Access Their Information

    Directory of Open Access Journals (Sweden)

    Aaron M. French

    2012-08-01

    Full Text Available While eBanking security continues to increase in sophistication to protect against threats, the usability of the eBanking decreases resulting in poor security behaviors by the users. The current research evaluates se curity risks and measures taken for eBanking solutions. A case study is presented describing how increased complexity decreases vulnerabilities online but increases vulnerabilities from internal threats and eBanking users

  20. Varying Impacts of Electronic Banking on the Banking Industry

    Directory of Open Access Journals (Sweden)

    Sali Bakare

    2015-08-01

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

  1. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

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

  2. Representation of functional information in the SWISS-PROT data bank.

    Science.gov (United States)

    Junker, V L; Apweiler, R; Bairoch, A

    1999-12-01

    Functional information in SWISS-PROT results, primarily, from assessment of articles reporting characterization. Predicted information is labeled with flags describing the evidence level (e.g. potential, probable, by similarity). PMID:10746001

  3. 78 FR 15121 - Agency Information Collection Activities; Submission for OMB Review; Comment Request; Bank...

    Science.gov (United States)

    2013-03-08

    ... information related to risk management processes. The OCC's evaluation of the institution's full risk... respond to, an information collection unless it displays a currently valid Office of Management and Budget... automated collection techniques or other forms of information technology; and (e) Estimates of capital...

  4. Association of ABO and Rh blood groups to HBV, HCV infections among blood donors in a blood bank of tertiary care teaching hospital in Southern India: A retrospective study

    Directory of Open Access Journals (Sweden)

    Sreedhar Babu KV

    2015-07-01

    Conclusion: In this study conducted to determine the predominant blood group antigen and its association with HBV and HCV seroreactivity, there was no association between blood group antigens with these infections. [Int J Res Med Sci 2015; 3(7.000: 1672-1676

  5. Gender and chronological age affect erythrocyte membrane oxidative indices in citrate phosphate dextrose adenine-formula 1 (CPDA-1) blood bank storage condition.

    Science.gov (United States)

    Erman, Hayriye; Aksu, Uğur; Belce, Ahmet; Atukeren, Pınar; Uzun, Duygu; Cebe, Tamer; Kansu, Ahmet D; Gelişgen, Remisa; Uslu, Ezel; Aydın, Seval; Çakatay, Ufuk

    2016-07-01

    It is well known that in vitro storage lesions lead to membrane dysfunction and decreased number of functional erythrocytes. As erythrocytes get older, in storage media as well as in peripheral circulation, they undergo a variety of biochemical changes. In our study, the erythrocytes with different age groups in citrate phosphate dextrose adenine-formula 1 (CPDA-1) storage solution were used in order to investigate the possible effect of gender factor on oxidative damage. Oxidative damage biomarkers in erythrocyte membranes such as ferric reducing antioxidant power, pro-oxidant-antioxidant balance, protein-bound advance glycation end products, and sialic acid were analyzed. Current study reveals that change in membrane redox status during blood-bank storage condition also depends on both gender depended homeostatic factors and the presence of CPDA-1. During the storage period in CPDA-1, erythrocytes from the male donors are mostly affected by free radical-mediated oxidative stress but erythrocytes obtained from females are severely affected by glyoxidative stress. PMID:27045670

  6. Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden

    OpenAIRE

    Karilainen, Miia

    2014-01-01

    Recent research has focused more on the needs and usage of accounting information in favor of its investors. Hence, there has been less attention towards creditors’ information needs. Additionally, it has been criticized that accounting information has lost its relevance to its users (Francis & Schipper 1999; Hail 2013). As Allen and Cote (2005) stated, it is hard to make any improvements to financial reporting if creditors’ decision making behavior is not well investigated. Thus, the aim...

  7. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  8. Organization of eye bank

    International Nuclear Information System (INIS)

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

  9. 76 FR 18573 - Notice of Proposed Information Collection; Comment Request; National Resource Bank

    Science.gov (United States)

    2011-04-04

    ..., repurposing land use, and business cluster and job market analysis, to name a few. Agency form numbers, if... Control Number, if applicable: None. Description of the need for the information and proposed use: This...

  10. INFORMATION AND COMMUNICATION IN BANKS - KEY ELEMENTS OF THE INTERNAL CONTROL SYSTEM #8211; AN EMPIRICAL ANALYSIS BETWEEN ROMANIAN, AMERICAN AND CANADIAN MODELS OF CONTROL

    Directory of Open Access Journals (Sweden)

    Bota-Avram Cristina

    2009-05-01

    Full Text Available The purpose of this paper is to focus on one of the most important aspect of the internal control in banking system #8211; information and communication - trying to identify on which of the two well-known international models of control (COSO or CoCo i

  11. From waste to (fool's) gold: promissory and profit values of cord blood.

    Science.gov (United States)

    Haw, Jennie

    2015-12-01

    According to biomedical discourse, cord blood has been transformed from 'waste' to 'clinical gold' because of its potential for use in treatments. Private cord blood banks deploy clinical discourse to market their services to prospective parents, encouraging them to pay to bank cord blood as a form of 'biological insurance' to ensure their child's future health. Social scientists have examined new forms of (bio)value produced in biological materials emergent with contemporary biotechnologies. This paper contributes to this literature by examining the social and technical production of value in cord blood units collected for private banking. Value, in this paper is defined as a socio-cultural concept in which an object is made meaningful, or valuable, through its relations with social actors and within specific regimes of value. I draw on in-depth interviews with women who banked cord blood and key informants in private banks in Canada, to analyze how social actors produced cord blood as a valuable biological object. I show that a cord blood unit holds promissory value for women who bank and profit value for private banks and that these values are folded into each other and the biological material itself. Analyzing how specific cord blood units are made valuable provides insight into the multiple and possibly competing values of biological materials and the tensions that may arise between social actors and forms of knowledge during the valuing process. PMID:26712610

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

    Directory of Open Access Journals (Sweden)

    Dr. Abu Zafar Mahmudul Haq

    2013-02-01

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

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

    OpenAIRE

    Dr. Abu Zafar Mahmudul Haq

    2013-01-01

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

  14. The Integration of Materials Data Banks into a European Information Service Network.

    Science.gov (United States)

    Krockel, H.; Steven, G.

    1987-01-01

    This review of the events leading to a planned materials information system in Europe focuses on national policies and actions the Commission of the European Communities. Recommendations issued by a 1982 workshop are discussed, and the objectives and development of a planned demonstrator program are outlined. (11 references) (CLB)

  15. 75 FR 4655 - National Practitioner Data Bank for Adverse Information on Physicians and Other Health Care...

    Science.gov (United States)

    2010-01-28

    ... Administration published a proposed rule in the Federal Register (71 FR 14135) designed to implement section 1921...-103, Rockville, MD 20857; telephone number: (301) 443- 2300. SUPPLEMENTARY INFORMATION: I. Background..., dentist or other practitioner that are so serious that they warrant a sanction recommendation by the...

  16. OPERATIONAL RISK DISCLOSURE IN ROMANIAN COMMERCIAL BANKS

    OpenAIRE

    Roxana HERGHILIGIU

    2013-01-01

    This paper aims to assess the actual operational risk disclosure in Romanian banks. Therefore we focus on the operational risk information that Romanian banks reveal and if they conform to the requirements of the National Bank of Romania. The study methodology consists in testing the annual financial reports for Romanian commercial banks. The analysis shows that the financial reports of Romanian banks are not in consonance with the requirements of the National Bank of Romania relating to oper...

  17. 信息化背景下的银行股行情分析%Analysis on the bank share market under the background of information

    Institute of Scientific and Technical Information of China (English)

    祁智国; 马殷琳

    2013-01-01

      本文根据信息化背景下银行业的基本面信息和技术面信息,对银行股价的走势进行了分析并作出了预测。分析表明,银行业整体状况较好,银行股的股价也成上升趋势。从近一年来银行股的走势来看,持有银行股相对于银行存款来说并不划算。但长远来看,持有银行股还是一种不错的投资方式。%Based on the fundamental information and of the banking industry under the background of,this paper analyzes and makes a forecast on the bank’s share price movements.Analysis shows that the banking sector is in a good condition,the bank’s share price tends to increase.From the trends of share price in recent year,bank shares are not worthwhile relative to bank deposits.But in the long run,holding bank shares is still a good investment.

  18. A proteomic approach for the rapid, multi-informative and reliable identification of blood.

    Science.gov (United States)

    Patel, E; Cicatiello, P; Deininger, L; Clench, M R; Marino, G; Giardina, P; Langenburg, G; West, A; Marshall, P; Sears, V; Francese, S

    2016-01-01

    Blood evidence is frequently encountered at the scene of violent crimes and can provide valuable intelligence in the forensic investigation of serious offences. Because many of the current enhancement methods used by crime scene investigators are presumptive, the visualisation of blood is not always reliable nor does it bear additional information. In the work presented here, two methods employing a shotgun bottom up proteomic approach for the detection of blood are reported; the developed protocols employ both an in solution digestion method and a recently proposed procedure involving immobilization of trypsin on hydrophobin Vmh2 coated MALDI sample plate. The methods are complementary as whilst one yields more identifiable proteins (as biomolecular signatures), the other is extremely rapid (5 minutes). Additionally, data demonstrate the opportunity to discriminate blood provenance even when two different blood sources are present in a mixture. This approach is also suitable for old bloodstains which had been previously chemically enhanced, as experiments conducted on a 9-year-old bloodstain deposited on a ceramic tile demonstrate. PMID:26596622

  19. Immunoelectrophoresis - blood

    Science.gov (United States)

    IEP - serum; Immunoglobulin electrophoresis - blood; Gamma globulin electrophoresis; Serum immunoglobulin electrophoresis ... A blood sample is needed. For information on how this is done, see: Venipuncture

  20. 78 FR 73415 - Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance

    Science.gov (United States)

    2013-12-06

    ... From the Federal Register Online via the Government Publishing Office ] FEDERAL HOUSING FINANCE... Finance AGENCY: Federal Housing Finance Agency. ACTION: Notification. SUMMARY: Section 20A of the Federal Home Loan Bank Act (Bank Act), requires the Director of the Federal Housing Finance Agency (FHFA)...

  1. Studying acceptance of online banking information system: A structural equation model

    OpenAIRE

    Chandio, Fida Hussain

    2011-01-01

    This thesis was submitted for the degree of Doctor of Philosophy and awarded by Brunel University. Acceptance of information technology (IT) has remained a topic of interest for a last few decades. Several theories, specifically over the conceptualisation of the technology acceptance model (TAM) have emerged and they have been applied in different contexts to investigate new insights into the acceptance behaviour at individual and organisational levels. However, despite TAM’s maturity ...

  2. Bank panics in transition economies

    OpenAIRE

    Niinimäki, Juha-Pekka

    2002-01-01

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

  3. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

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

  4. Credit risk in Egyptian banks

    OpenAIRE

    Abdou, Hussein

    2006-01-01

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

  5. 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...

  6. Banking Information System Security Risk Analysis and Control Measures%银行信息系统安全风险分析与控制对策

    Institute of Scientific and Technical Information of China (English)

    张春明; 燕辉

    2012-01-01

    银行是金融产业的核心构成,银行内部经营管理水平关系着社会产业结构的变动,对金融业经济实现效益增收有着较大的影响。信息时代背景下计算机技术在银行信息系统管理中的运用更加普遍,促进了银行内部办公自动化模式的形成。由于计算机系统自身存在漏洞及操作缺陷,往往导致银行信息系统承受着巨大的安全风险,不利于其长期性的市场经营。针对这一点,本文主要分析了银行信息系统安全风险的成因及控制策略。%Bank constitute the core of the financial industry, the bank management level relationships within the industrial structure of society changes, the financial sector to achieve economic benefits of income has a greater impact. The context of the information age of computer technology in the banking information system management application more generally, to promote the bank's internal model of the formation of office automation. As the computer operating system itself is flawed and defective, often leads to bank information systems are under enormous security risk, detrimental to their long-term market operations. On this point, this paper analyzes the banking information system security risk causes and control strategies.

  7. The Marine Realms Information Bank family of digital libraries: access to free online information for coastal and marine science

    Science.gov (United States)

    Lightsom, Frances L.; Allwardt, Alan O.

    2007-01-01

    Searching the World Wide Web for reliable information about specific topics or locations can be frustrating: too many hits, too little relevance. A well-designed digital library, offering a carefully selected collection of online resources, is an attractive alternative to web search engines. The U.S. Geological Survey (USGS) provides three digital libraries for coastal and marine science to serve the needs of a diverse audience--scientists, public servants, educators, and the public.

  8. Using Blood Informative Transcripts in Geographical Genomics: Impact of Lifestyle on Gene Expression in Fijians

    OpenAIRE

    Nath, Artika Praveeta; Arafat, Dalia; Gibson, Greg

    2012-01-01

    In previous geographical genomics studies of the impact of lifestyle on gene expression inferred from microarray analysis of peripheral blood samples, we described the complex influences of culture, ethnicity, and gender in Morocco, and of pregnancy in Brisbane. Here we describe the use of nanofluidic Fluidigm quantitative RT-PCR arrays targeted at a set of 96 transcripts that are broadly informative of the major axes of immune gene expression, to explore the population structure of transcrip...

  9. Shadow banking

    OpenAIRE

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

    2010-01-01

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

  10. Investment banks

    OpenAIRE

    Lejot, P

    2013-01-01

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

  11. Blood Types

    Science.gov (United States)

    ... confidence to respond in emergency situations with the skills that can help to save a life. Learn more » Red Cross Information Donating Blood Learn About Blood Hosting a Blood Drive For Hospitals Engage with Us About Us Media ...

  12. 基于MapGIS的土地储备信息系统的设计与实现%The design and realization of land banking information system based on MapGIS

    Institute of Scientific and Technical Information of China (English)

    孙中原; 李永树

    2012-01-01

    The land banking system was discussed. There are two problems in the work of land banking. One is the process of data analysis is heavy and complicated; the other is the decision-making of land banking is baseless. On account of these problems, the land banking information system was designed and realized. The land banking database can be dynamically managed, and the amount of land banking can be forecast with this information system. With the help of the land banking information system, the efficiency of the land banking was improved, and it will contribute to the decision-making of land banking.%介绍我国的土地储备机制,针对土地储备管理工作中面临的数据分析过程繁琐、储备数量决策缺乏依据等问题,基于MapGIS K9平台完成了土地储备信息系统的设计与开发,实现土地储备数据库的动态管理、储备数量预测等功能,有效提高土地收购储备工作效率,并为土地储备科学决策提供参考依据.

  13. 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.

  14. Central bank transparency, private information and the predictability of monetary policy in the financial markets : theoretical, experimental and empirical evidence

    NARCIS (Netherlands)

    Middeldorp, M.H.

    2010-01-01

    Central banks worldwide have become considerably more communicative about their policies and forecasts. An important reason is that democratic societies expect such transparency from public institutions. Central bankers, supported by a significant body of empirical research, also believe that sharin

  15. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  16. Determination of Rate and Causes of Wastage of Blood and Blood Products in Iranian Hospitals

    Directory of Open Access Journals (Sweden)

    Rafat Mohebbi Far

    2014-06-01

    Full Text Available OBJECTIVE: The purpose of this study was to determine the rate and causes of wastage of blood and blood products (packed red cells, plasma, platelets, and cryoprecipitate in Qazvin hospitals. METHODS: The study was conducted in all hospitals in Qazvin, including 5 teaching hospitals, 2 social welfare hospitals, 3 private hospitals, 1 charity hospital, and 1 military hospital. This descriptive study was based on available data from hospital blood banks in the province of Qazvin. The research instrument was a 2-part questionnaire. The first part was related to demographic characteristics of hospitals and the second part elicited information about blood and blood component wastage. The collected data were then analyzed using descriptive statistic methods and SPSS 11.5. RESULTS: Blood wastage may occur for a number of reasons, including time expiry, wasted imports, blood medically or surgically ordered but not used, stock time expired, hemolysis, or miscellaneous reasons. Data indicated that approximately 77.9% of wasted pack cell units were wasted for the reason of time expiry. Pack cell wastage in hospitals is reported to range from 1.93% to 30.7%. Wastage at all hospitals averaged 9.8% among 30.913 issued blood products. Overall blood and blood product (packed red cells, plasma, platelets, and cryoprecipitate wastage was 3048 units and average total wastage per participant hospital for all blood groups was 254 units per year. CONCLUSION: Blood transfusion is an essential part of patient care. The blood transfusion system has made significant advancements in areas such as donor management, storage of blood, cross-matching, rational use of blood, and distribution. In order to improve the standards of blood banks and the blood transfusion services in Iran, comprehensive standards have been formulated to ensure better quality control in collection, storage, testing, and distribution of blood and its components for the identified major factors

  17. Trends of T. cruzi infection based on data from blood bank screening Monitorização da infecção pelo T. cruzi através do rastreamento sorológico em bancos de sangue

    Directory of Open Access Journals (Sweden)

    Fabio Zicker

    1990-04-01

    Full Text Available Between October 1988 and April 1989 a cross-sectional survey was carried out in six out of eight blood banks of Goiânia, Central Brazil. Subjects attending for first-time blood donation in the mornings of the study period (n = 1358 were interviewed and screened for T. cruzi infection as a part of a major study among blood donors. Tests to anti-T. cruzi antibodies were performed, simultaneously, by indirect hem agglutination test (IHA and complement fixation test (CFT. A subject was considered seropositive when any one of the two tests showed a positive result. Information on age, sex, place of birth, migration and socio-economic level was recorded. Results from this survey were compared with seroprevalence rates obtained in previous studies in an attempt to analyse trend of T. cruzi infection in an endemic urban area. The overall seroprevalence of T. cruzi infection among first-time donors was found to be 3.5% (95% confidence interval 2.5%-4.5% . The seroprevalence rate increased with age up to 45 years and then decreased. Migrants from rural areas had higher seroprevalence rates than subjects from urban counties (1.8%-16.2% vs. 0%-3.6%. A four fold decrease in prevalence rates was observed when these rates were compared with those of fifteen years ago. Two possible hypotheses to explain this difference were suggested: 1. a cohort effect related with the decrease of transmission in rural areas and/or 2. a differential proportion of people of rural origin among blood donors between the two periods. The potential usefulness of blood banks as a source of epidemiological information to monitor trends of T. cruzi infection in an urban adult population was stressed.Dados de soroprevalência para doença de Chagas em primo-doadores de sangue obtidos num estudo seccional foram comparados com estimativas prévias obtidas há 15 anos na mesma população no intuito de estudar tendência temporal da infecção pelo T. cruzi. Durante o período de outubro

  18. Consumer protection in banking

    OpenAIRE

    Pohanková, Martina

    2013-01-01

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

  19. Development of blood transfusion service in Sultanate of Oman

    Directory of Open Access Journals (Sweden)

    Joshi Sanmukh

    2010-01-01

    Full Text Available Background: Sultanate of Oman is geographically situated in south-west of Asia, having common borders on western side by the land with United Arab Emirates, Saudi Arabia and Yemen and with the Arabian Sea and the Gulf of Oman in the east and the north respectively. The country enjoys one of the best health care facilities including blood transfusion services in the region. Study design: Information was collected through informal personal interviews, digging out the past records, and the report presentations at various forums. Results: A modest start by providing blood units through import, the country is now self-reliant on procuring blood units from voluntary non-remunerate blood donors within the sultanate. A steady growth of blood banks is witnessed in every aspect of blood banking including blood collection, blood processing and supply. Various modalities are adapted in promoting voluntary blood donation programme. Conclusion: Sultanate of Oman has created one of the best blood transfusion services in the region in providing safe blood for transfusion through voluntary donation, a use of blood components and irradiating blood products.

  20. 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:

  1. Shadow banking

    OpenAIRE

    Rahm, Jiří

    2013-01-01

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

  2. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  3. INFORMATION AND COMMUNICATION TECHNOLOGIES TO DELIVER FINANCIAL SERVICES FOR THE LOW-INCOME POPULATION: CORRESPONDENT BANKING AT BANCO LEMON

    Directory of Open Access Journals (Sweden)

    Cesar Akira Yokomizo

    2010-12-01

    Full Text Available Brazilian banks have developed innovative initiatives to deliver financial services for the lowincome population through correspondent banking (CB. Banco Lemon is such an interesting case to be studied because it has implemented a business model based exclusively on CB outlets and its focus was on low-income clients. This paper describes Banco Lemon’s adoption process of the CB technology to deliver financial services for the low-income population, promoting a historical description of the bank’s activities, since its creation and up to the year 2009. Eventually, this paper concludes that bill payment initiatives were successful while credit initiatives led to unexpressive outcomes.

  4. Blood Transfusion

    Science.gov (United States)

    ... to infections including those we develop from our vaccinations (such as poliovirus antibodies, which are made by ... the Transfusion Medicine Unit, Blood Bank, and Stem Cell Storage Facility University of Rochester Medical ... and health educators who are available by phone Monday through Friday, 9 am to 9 pm ( ...

  5. Can Technology Even Things Up for Community Banks?

    OpenAIRE

    Rose M. Prasad

    1997-01-01

    Community banks are the smallest of the commercial banks in the United States. They have been bracing to cope with the impact of interstate banking, with the distinct possibility of large banks encroaching on their hitherto protected market territories. The challenge for these banks has been one of survival in an environment dominated by ÒmegaÓ banks and non-bank financial firms able to provide the customers with an array of services at lower cost. In this environment, information technology ...

  6. BANK GUARANTEES

    Directory of Open Access Journals (Sweden)

    VASILE NEMES

    2012-05-01

    Full Text Available The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of financial - banking commitments with various practical issues which are occurred by the use of those. From the legal point of view, the bank guarantees are not under an own legal regulation and are based on the common law, used in the guarantees domain. Through the new aspects of the actual Civil Code it are the legal regulation of the letter of bank guarantee and of the comfort letter, which shall constitute the main regulation in the negotiation and conclusion of a letter of bank guarantee or a bank comfort letter. For the legal reports with foreign elements, the parties can also use the Uniform Rules regarding the Guarantees at Request (URGR Publish no.758/2010.

  7. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

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

    OpenAIRE

    Rachdi Houssem; Trabelsi Mohamed Ali; Trad Naama

    2013-01-01

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

  9. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  10. Oligopoly banking and capital accumulation

    OpenAIRE

    Nicola Cetorelli; Pietro F. Peretto

    2000-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Nathalie Janson

    2009-10-01

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

  12. Research on Accounting Information Disclosure of Commercial Bank%商业银行会计信息披露问题研究

    Institute of Scientific and Technical Information of China (English)

    刘静

    2013-01-01

    目前我国商业银行会计信息披露存在的问题主要表现在表外业务信息披露不充分、非财务信息披露较少、信息披露制度不统一以及会计信息失真等方面。这些问题主要是由于缺乏外部监督管理、治理结构不完善和缺乏统一的法律法规等原因造成的。因此,为完善商业银行会计信息披露,必须重视表外业务信息及公司治理信息的披露,并不断完善公司治理结构和提高管理技术水平。%The main problems existed in China's accounting information disclosure of commercial bank are the inadequate off-balance sheet information disclosure, less non-financial information disclosure, not unified information disclosure system, false accounting infor-mation and so on, which are caused by the lack of external supervision and management, unperfected governance structure and lack of unified legal laws and regulations. Therefore, to improve the accounting information disclosure of commercial bank, we should paid at-tention to the off-balance sheet information disclosure and corporate governance information disclosure, improve corporate governance structure and enhance management technology level.

  13. Analysis of banking activity by business line

    OpenAIRE

    E. Crété.

    2012-01-01

    Against a backdrop of financial tensions and banking regulation reforms, discussions about the various bank business lines have come into sharper focus and, in the light of the highly diversified profi le of French banking groups, in September 2011 the CNIS (Conseil national de l’information statistique – National Council for Statistical Information) set up a working group on bank business lines in which the Banque de France participated. Published in May 2012, the group’s report sets out var...

  14. BANK GUARANTEES

    OpenAIRE

    VASILE NEMES

    2012-01-01

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

  15. The rationale behind collecting umbilical cord blood

    Directory of Open Access Journals (Sweden)

    Nicolas H. Zech

    2010-06-01

    Full Text Available Umbilical cord blood (UCB is an increasingly important and rich source of stem cells. These cells can be used for the treatment of many diseases, including cancers and immune and genetic disorders. For patients for whom no suitable related donor is available, this source of hematopoietic stem cells offers substantial advantages, notably the relative ease of procurement, the absence of risk to the donor, the small likelihood of transmitting clinically important infections, the low risk of severe graft-versus-host disease (GVHD and the rapid availability of placental blood for transplantation centers. Even though almost 80 diseases are treatable with cord blood stem cells, 97 percent of cord blood is still disposed of after birth and lost for patients in need! To improve availability of stem cells to a broader community, efforts should be undertaken to collect cord blood and expectant parents should be properly informed of their options with regard to cord blood banking.

  16. Application of information technology may increase the efficacy of Confidential Unit Exclusion (CUE) in blood donors

    OpenAIRE

    Jalalian, Mehrdad; Mahboobi, Hamidreza

    2013-01-01

    Confidential Unit Exclusion (CUE) refers to a procedure by which a blood donor designates confidentially whether his or her blood might not be safe for transfusion. It applies to situations in which an individual who is not eligible for blood donation in terms of blood safety feel pressured by others to donate his or her blood. A potential problem in the CUE system is misunderstanding of the procedure and its significance by blood donors as well as the lack of their confidence regarding the c...

  17. 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.

  18. A STUDY ON M-BANKING OFFERED BY BANKS AGAINST MOBILE OPERATORS IN INDIA

    OpenAIRE

    Jaideep Jadhav; Kunal S Badade

    2015-01-01

    Mobile banking is a system that allows customers of a financial institution to conduct a number of financial transactions through a mobile device such as a mobile phone or personal digital assistant. Mobile Banking allows you to bank anytime anywhere through ones mobile phone. One can access the banking information and make transactions on Savings Account, Demat Accounts, Loan Accounts and Credit Cards at absolutely no cost. Mobile banking is on the cusp of transformation from a niche serv...

  19. CUSTOMERS’ PREFERENCE FOR E – BANKING SERVICES: A CASE STUDY OF SELECTED BANKS IN SIERRA LEONE

    OpenAIRE

    R.A. Gbadeyan; O. O. AKINYOSOYE – GBONDA

    2011-01-01

    The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive ...

  20. [Refinement of presumptive antimicrobial therapy based on initial microbiological information on positive blood culture].

    Science.gov (United States)

    Aoki, Yosuke

    2010-05-01

    Positive blood culture represents either true bacteremia or contaminants of the normal skin flora. The number of positive bottles, rapidity with which blood culture turns positive, and appropriate interpretation of Gram-stain findings usually assist physicians or technologists in deciding whether it reflects true-positive results or contamination. In the case of true bacteremia, two aspects of the Gram-stain findings, Gram-positive or negative, cocci or rod, are important initial findings that safely guide physicians to select appropriate antimicrobial agents. Gram-positive cocci in clusters strongly suggest Staphylococci, and "in-chains" indicates Streptococci or Enterococci. Although distinction between the latter two organisms is occasionally difficult, glycopeptide should be the first choice, especially in critically ill patients. Gram-positive rods, when first reported, also require the empiric administration of glycopeptides, and sometimes their false Gram-negative staining could result in errors of pathogen identification, resulting in the inappropriate choice of antibiotics. The detection of gas production by Gram-negative rods, which indicates Enterobacteriaceae, is helpful initial information to start cephalosporin antibiotics, whereas the absence of gas would suggest nonfirmentative rod bacteremia, for which the administration of anti-pseudomonal agents is strongly warranted. Gram-negative cocci, such as Moraxella or Acinetobacter sp., may initially be reported as Gram-positive, so empiric antimicrobial drugs should be carefully selected taking into account these pitfalls and patients' conditions, and the situation regarding the development of diseases (community-acquired vs. nosocomial). The rapid and appropriate treatment of bacteremia thus requires careful interepretation of Gram-stain findings as described above, and should always be integrated with pathognomonic features of individual patients. PMID:20560459

  1. Estudo comparativo entre metodologias de triagem para detecção de hemoglobina S em bancos de sangue Comparative study between methods of screening for detection of hemoglobin S in the blood banks

    Directory of Open Access Journals (Sweden)

    Letícia Loi Giovelli

    2011-04-01

    Full Text Available INTRODUÇÃO: O traço falciforme é a presença em heterozigose da hemoglobina S (HbS. A partir de junho de 2004, por meio da RDC 153/04, tornou-se obrigatória a triagem de hemoglobinas anormais em doadores de sangue. OBJETIVO: O objetivo deste estudo foi a comparação de diferentes metodologias de triagem utilizadas nos bancos de sangue para a detecção da HbS. Material e método: No período de abril de 2007 a abril de 2008, foram realizados três métodos de detecção de HbS em 4.108 doadores de sangue aptos que se apresentaram ao banco de sangue do Hospital Universitário de Santa Maria (HUSM. O estudo comparativo entre as metodologias incluiu os testes de solubilidade e de gel-centrifugação, tendo como referência de positividade a presença de HbS na eletroforese de hemoglobina. RESULTADOS: Dos 4.108 doadores estudados, 23 (0,56% apresentaram resultado positivo para HbS e dois (0,05% para HbC. Das amostras positivas para HbS detectadas por eletroforese qualitativa, 22 (95,6% foram detectadas pelo teste de solubilidade e 20 (86,9% pelo de gel-centrifugação. CONCLUSÃO: A eletroforese de hemoglobinas representou a melhor metodologia na identificação de hemoglobinas variantes e, portanto, deve ser valorizada quando se trata de diagnóstico para triagens em bancos de sangue pelo seu grau de sensibilidade, minimizando ao máximo os resultados falsos negativos e garantindo a qualidade do sangue que estará sendo utilizado.INTRODUCTION: The sickle cell trait is the presence of hemoglobin S (HbS in heterozygosity. According to RDC regulation 153/04, abnormal hemoglobin screening has become mandatory in blood donation samples since June 2004. OBJECTIVE: The aim of this study was to compare different screening methods used in blood banks for HbS detection. Material and method: From April 2007 to April 2008, three HbS detection methods were applied in 4,108 suitable blood samples from the blood bank of the University Hospital of Santa

  2. Blood Clotting and Pregnancy

    Medline Plus

    Full Text Available ... educational meetings and webinars ASH Image Bank Educational Web-based library of hematologic imagery In This Section: ... Blood Publishing Office . Patient Groups A list of Web links to patient groups and other organizations that ...

  3. Blood Clotting and Pregnancy

    Medline Plus

    Full Text Available ... If you find that you are interested in learning more about blood diseases and disorders, here are ... For Patients ASH Academy ASH On Demand ASH Image Bank Advocacy Action Alerts Policy News Advocacy Leadership ...

  4. The Development of Opacity in U.S. Banking

    OpenAIRE

    Gary Gorton

    2013-01-01

    An examination of U.S. banking history shows that economically efficient private bank money requires that information-revealing securities markets for bank liabilities be closed. That is, banks are optimally opaque, which is why they are regulated and examined. I show this by examining the transition from private bank notes, the predominant form of money before the U.S. Civil War, to demand deposits and show that markets endogenous closed. The opacity of bank money in the recent financial cri...

  5. Blood glucose testing and primary prevention of diabetes mellitus type 2 - evaluation of the effect of evidence based patient information

    Directory of Open Access Journals (Sweden)

    Giani Guido

    2010-01-01

    Full Text Available Abstract Background Evidence-based patient information (EBPI has been recognised as important tool for informed choice in particular in the matter of preventive options. An objective, on the best scientific evidence-based consumer information about subthreshold elevated blood glucose levels (impaired fasting glucose and impaired glucose tolerance and primary prevention of diabetes, is not available yet. Thus we developed a web-based EBPI and aim to evaluate its effects on informed decision making in people 50 years or older. Methods/Design We conduct a web-based randomised-controlled trial to evaluate the effect of information about elevated blood glucose levels and diabetes primary prevention on five specific outcomes: (i knowledge of elevated blood glucose level-related issues (primary outcome; (ii attitudes to a metabolic testing; (iii intention to undergo a metabolic testing; (iv decision conflict; (v satisfaction with the information. The intervention group receives a specially developed EBPI about subthreshold elevated blood glucose levels and diabetes primary prevention, the control group information about this topic, available in the internet. The study population consists of people between 50 and 69 years of age without known diabetes. Participants will be recruited via the internet page of the cooperating health insurance company, Techniker Krankenkasse (TK, and the internet page of the German Diabetes Centre. Outcomes will be measured through online questionnaires. We expect better informed participants in the intervention group. Discussion The design of this study may be a prototype for other web-based prevention information and their evaluation. Trial registration Current Controlled Trial: ISRCTN22060616.

  6. Banks and Financial Services, Banks and Churches, Published in 2008, Iron County.

    Data.gov (United States)

    NSGIC GIS Inventory (aka Ramona) — This Banks and Financial Services dataset, was produced all or in part from Other information as of 2008. It is described as 'Banks and Churches'. The extent of...

  7. NEA Data Bank

    International Nuclear Information System (INIS)

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

  8. On Internet Banking

    Directory of Open Access Journals (Sweden)

    Jeffrey E Jarrett

    2015-08-01

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

  9. Disclosure of executive remuneration in large banks

    OpenAIRE

    Schott, Max

    2008-01-01

    The first part of this thesis analyzes and quantifies the magnitude of executive remuneration disclosure of the world?s 245 largest exchange-listed banks, using annual reports as the primary source of information, and the diverse disclosure rules in the 31 countries in which these banks are domiciled. Descriptive statistics suggests that banks located in common law countries have higher (more than three times in terms of the quantifying proxy) disclosure compared to banks in civil law countri...

  10. The evolving landscape of banking

    NARCIS (Netherlands)

    A.W.A. Boot; M. Marinč

    2008-01-01

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

  11. BANKING INNOVATIONS RISK – PROFITABILITY RELATIONSHIP IN THE BANKING SYSTEM OF THE REPUBLIC OF MOLDOVA

    OpenAIRE

    Stela Ciobu; Ivan Luchian; Alina Birladeanu

    2008-01-01

    The level of information technologies development in modern banks represents an essential factor in maintenance and consolidation of the position on the market. In this respect all Moldovan banks develop risk management policies with regard to banking IT’s and e-products and services, which they consider as the main part of banking innovations at the moment. The purpose of this article is to analyze each innovation (Information Security Services, Business Systems Controls, Business Continuity...

  12. Banking consolidation and small business lending

    OpenAIRE

    Takáts, Elod

    2004-01-01

    The paper investigates small business lending as an information problem. It models the effects of information asymmetries within the bank combined with fixed wages. Two kinds of inefficiencies arise in equilibrium: the credit officer either sometimes shirks or he is occasionally fired. In both cases lending falls below the first-best level. The solution, when the bank accepts the information asymmetries, is called the centralized structure. Under decentralized structure the bank employs addit...

  13. The Bank of England Bank Liabilities Survey

    OpenAIRE

    Bell, Venetia; Butt, Nick; Talbot, James

    2013-01-01

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

  14. Prevalencia de anticuerpos contra Trypanosoma cruzi en donadores de sangre del IMSS, Orizaba, Veracruz, México Prevalence of antibodies against Trypanossoma cruzi in blood bank donors from the IMSS General Hospital in Onizaba, Veracruz, Mexico

    Directory of Open Access Journals (Sweden)

    Angel Ramos-Ligonio

    2006-02-01

    Full Text Available OBJETIVO: Determinar la prevalencia de anticuerpos contra Trypanosoma cruzi en donadores del Hospital General Regional del Instituto Mexicano del Seguro Social (IMSS en la ciudad de Orizaba, Veracruz. MATERIAL Y MÉTODOS: Se examinaron muestras de donadores del banco de sangre del Hospital General Regional (HGRO del IMSS para la búsqueda de antiT. cruzi por ELISA, Western blot e IFI, utilizando una proteína recombinante (MBP::Hsp70 y un extracto crudo de epimastigotes. Las muestras fueron obtenidas entre los meses de octubre de 2001 a enero de 2002. RESULTADOS: Los 420 donadores de sangre analizados fueron seronegativos para HBV, HCV, BrA, VDRL y HIV. Después del tamizaje de los 420 donadores, se identificaron dos individuos seropositivos por las pruebas de ELISA, Western blot e IFI, con una seroprevalencia de 0.48%. CONCLUSIONES: En este estudio se muestran evidencias de seropositividad para T. cruzi en donadores de sangre del HGRO, lo que sugiere la existencia de riesgo de contaminación por transfusión sanguínea. Por tal motivo, es necesario aplicar programas para el tamizaje serológico a través de técnicas inmunológicas con alta sensibilidad y especificidad.OBJECTIVE: To estimate the prevalence of antibodies against Trypanosoma cruzi in blood donors from Hospital General Regional (HGRO of the Mexican Institute of Social Security (IMSS per its abbreviation in Spanish. MATERIAL AND METHODS: Between October 2001 and January 2002, blood samples were collected from voluntary donors at the blood bank of the Hospital General Regional of IMSS in Orizaba; Veracruz, Mexico. The samples were assayed for anti-T. cruzi by ELISA, Western blot and IFI, using a recombinant protein (MBP::Hsp70, and crude extract from epimastigotes. RESULTS: A total of 420 blood donors were studied; two of them were seropositive for ELISA, Western blot and IFI, with a seroprevalence of 0.48%. CONCLUSIONS: Some blood donors at the HGRO hospital were seropositive for T

  15. Blood Clotting and Pregnancy

    Medline Plus

    Full Text Available ... 6, 2016, San Diego, CA Abstracts Registration Housing Travel Information Government Concierge View all meetings Publications Blood ... Blood Clots Blood Clotting and Pregnancy Clots and Travel DVT Myths vs. Facts Blood Detectives Find a ...

  16. Blood Clotting and Pregnancy

    Medline Plus

    Full Text Available ... Housing Travel Information Government Concierge View all meetings Publications Blood Current Issue First Edition Abstracts Blood Advances ... reflect the most recent scientific research View all publications For Patients Blood Basics Blood Disorders Anemia Bleeding ...

  17. E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-10-01

    Full Text Available Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.

  18. Lithuania : Banking System Assessment

    OpenAIRE

    World Bank

    2009-01-01

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

  19. 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...

  20. Improving health profile of blood donors as a consequence of transfusion safety efforts

    DEFF Research Database (Denmark)

    Edgren, Gustaf; Tran, Trung Nam; Hjalgrim, Henrik;

    2007-01-01

    ,110,329 blood donors were followed for up to 35 years from first computer-registered blood donation to death, emigration, or December 31, 2002. Standardized mortality and incidence ratios expressed relative risk of death and cancer comparing blood donors to the general population. RESULTS: Blood donors had an...... selection criteria for blood donation. Blood donors recruited in more recent years exhibited a lower relative mortality than those who started earlier. CONCLUSION: Blood donors enjoy better than average health. Explicit and informal requirements for blood donation in Scandinavia, although mostly of a simple......BACKGROUND: Transfusion safety rests heavily on the health of blood donors. Although they are perceived as being healthier than average, little is known about their long-term disease patterns and to which extent the blood banks' continuous efforts to optimize donor selection has resulted in...

  1. WLAN助力银行网点无线信息化改造建设%WLAN Wireless Networks Help Banks Build Information Transformation

    Institute of Scientific and Technical Information of China (English)

    孙捷

    2014-01-01

    At present, the bank's telephone banking, personal online banking, mobile banking and TV banks have opened for the public. In order to provide better electronic financial services to customers, create “four in one” experience area of electronic banking, the bank requires the deployment of WLAN in all outlets to achieve Wi-Fi wireless network coverage.%目前,银行的电话银行、个人网上银行、手机银行和电视银行均已面向社会公众开放。为了向客户提供更好的电子金融服务,打造“四位一体”的电子银行体验区,银行要求在各营业网点部署WLAN,实现Wi-Fi无线网络覆盖。

  2. A case of Hepatitis E in a blood donor

    Directory of Open Access Journals (Sweden)

    Anita A Tendulkar

    2015-01-01

    Full Text Available The threat of hepatitis E is being felt in blood banks in recent times. The disease is usually self-limiting, but may progress to a fulminant fatal form. We report a unique case of a hepatitis E virus (HEV-positive asymptomatic blood donor who later developed jaundice and informed the blood bank. A blood donor passed all eligibility criteria tests and donated blood. After 20 days, the blood bank was informed by the donor that he had developed vomiting and jaundice 1 day postdonation. He was investigated by a local laboratory 1 day postdonation for liver profile, which was high. There had been a major outbreak in his community of similar symptoms during the same period. HEV IgM antibody by enzyme-linked immunosorbent assay was positive. Silent infections may be lurking in apparently healthy donors. Donors need to be encouraged to revert in case of any significant developments after donation and maintain open channels of communication.

  3. The costs and benefits of bank supervisory disclosure

    OpenAIRE

    Edward Simpson Prescott; Stephen Slivinski

    2009-01-01

    Bank examinations, like the recent "stress test," yield information of interest to the market. Releasing those results may increase transparency. For routine annual bank exams, however, doing so could impede a supervisor's ability to collect information.

  4. Ancestry informative markers and complete blood count parameters in Brazilian blood donors Marcadores informativos de ancestralidade e parâmetros no hemograma de doadores de sangue brasileiros

    Directory of Open Access Journals (Sweden)

    Gabriela E. S. Felix

    2010-01-01

    Full Text Available A complete blood count is very useful in clinical diagnoses when reference ranges are well established for the population. Complete blood counts and allele frequencies of Ancestry Informative Markers (AIMs were analyzed in Brazilians with the aim of characterizing the hematological values of an admixed population. Positive associations were observed between gender and neutrophils, monocytes, eosinophils, erythrocytes, hemoglobin, hematocrit, MCV, MCHC and platelet counts. No significant differences were found for age, alcohol consumption, educational status, ethnicity, smoking in respect to the complete blood count values. In general, men had higher red blood cell values, while women had higher values for white blood cells and platelets. The study of the population was highly heterogeneous with mean proportions (± SE of African, European and Amerindian ancestry being 49.0 ± 3.0%, 44.0 ± 9.0% and 7.0 ± 9.0%, respectively. Amerindian ancestry showed limited contribution to the makeup of the population, but estimated ancestral proportions were statistically significant (r = 0.9838; PO hemograma é muito útil no diagnóstico quando o intervalo de referência é adequadamente estabelecido para população. Com o objetivo de verificar os valores hematológicos em população heterogênea foi analisado o hemograma e frequências alélica de marcadores informativos de ancestralidade de brasileiros. Foi observada associação positiva entre sexo e os valores de neutrófilos, monócitos, eosinófilos, eritrócitos, hemoglobina, hematócrito, MCV, MCHC e plaquetas (IC 95%; P0,05. Os homens apresentaram valores maiores no eritrograma, enquanto no leucograma e plaquetograma foram as mulheres. Foi observado também que a população é altamente heterogênea e as médias proporcionais (±DP de ancestralidade Africana, Europeia e Ameríndia estimada foram: 49,0 ± 3,0 %, 44,0 ± 9,0% e 7,0 ± 9,0%, respectivamente. A contribuição ancestral ameríndia se

  5. Informality in Credit Relations Between Banks and Business Entities – a Risk on Standardization and Modernization of Kosovo Economy

    OpenAIRE

    Krasniqi, Armand

    2016-01-01

    In terms of modern societies, the definition of the notion of certain forms of informal activities in the economy has evolved dynamically. In general, the definition used for the informal economy by lawyers and economists, involves economic transactions or operations in which state institutions not only have no control over them, but they also fail to take action to stop them. Precisely in this form, informality has become one of the most discussed problems in Kosovo politics. Reducing it is ...

  6. Tissue-Informative Mechanism for Wearable Non-invasive Continuous Blood Pressure Monitoring

    OpenAIRE

    Woo, Sung Hun; Choi, Yun Young; Kim, Dae Jung; Bien, Franklin; Kim, Jae Joon

    2014-01-01

    Accurate continuous direct measurement of the blood pressure is currently available thru direct invasive methods via intravascular needles, and is mostly limited to use during surgical procedures or in the intensive care unit (ICU). Non-invasive methods that are mostly based on auscultation or cuff oscillometric principles do provide relatively accurate measurement of blood pressure. However, they mostly involve physical inconveniences such as pressure or stress on the human body. Here, we in...

  7. Accuracy of a probabilistic record-linkage methodology used to track blood donors in the Mortality Information System database

    Science.gov (United States)

    Capuani, Ligia; Bierrenbach, Ana Luiza; Abreu, Fatima; Takecian, Pedro Losco; Ferreira, João Eduardo; Sabino, Ester Cerdeira

    2016-01-01

    The probabilistic record linkage (PRL) is based on a likelihood score that measures the degree of similarity of several matching variables. Screening test results for different diseases are available for the blood donor population. In this paper, we describe the accuracy of a PRL process used to track blood donors from the Fundação Pró-Sangue (FPS) in the Mortality Information System (SIM), in order that future studies might determine the blood donor’s cause of death. The databases used for linkage were SIM and the database made up of individuals that were living (200 blood donors in 2007) and dead (196 from the Hospital das Clinicas de São Paulo that died in 2001–2005). The method consists of cleaning and linking the databases using three blocking steps comparing the variables “Name/Mother’s Name/ Date of Birth” to determine a cut-off score. For a cut-off score of 7.06, the sensitivity and specificity of the method is 94.4% (95%CI: 90.0–97.0) and 100% (95%CI: 98.0–100.0), respectively. This method can be used in studies that aim to track blood donors from the FPS database in SIM. PMID:25210903

  8. 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

  9. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  10. The Determinants of Banking Performance: Empirical evidence from Tunisian Listed Banks

    Directory of Open Access Journals (Sweden)

    Khalfaoui Hamdi

    2015-06-01

    Full Text Available This paper aims to identify the determinants of performance of the Tunisian banking sector. The results found, following an empirical study using panel data of Tunisian banks listed on the stock market over the period 2000-2013, show that credit risk, liquidity, total assets and disclosure of information relating to credit are the main determinants of banking performance.

  11. 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. PMID:19069993

  12. 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.

  13. IT use, productivity, and market power in banking

    NARCIS (Netherlands)

    Koetter, Michael; Noth, Felix

    2013-01-01

    Information management is a core process in banking that can resolve information a symmetries and thereby help to mitigate competitive pressure. We test if the use of information technology (IT) contributes to bank output, and how IT-augmented bank productivity relates to differences in market power

  14. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

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

  15. Banking, Inside Money and Outside Money

    OpenAIRE

    Sun, Hongfei

    2007-01-01

    This paper presents an integrated theory of money and banking. I address the following question: when both individuals and banks have private information, what is the optimal way to settle debts? I develop a dynamic model with micro-founded roles for banks and a medium of exchange. I establish two main results: first, markets can improve upon the optimal dynamic contract at the presence of private information. Market prices fully reveal the aggregate states and help solve the incentive proble...

  16. Valuation of opacity in Turkish banking industry

    OpenAIRE

    Eren, Barış Memduh

    2013-01-01

    ABSTRACT: This study investigates Turkish banking industry in terms of opacity. Opacity can be defined as a market condition where consumers have limited information about each bank’s asset portfolio and its ability to repay the debt. Recent studies proved that banking sector in general has an opaque nature and it is difficult for markets to evaluate their fair value. Such asymmetric information may lead banks to be vulnerable in times of internal and external disturbances. Turkey had experie...

  17. Financing decisions between bank and retailer under asymmetric sale price information%市场价格信息不对称的银企融资决策

    Institute of Scientific and Technical Information of China (English)

    刘克宁; 宋华明

    2016-01-01

    研究市场价格信息不对称下,受资金约束的零售商为获取最优订货量从资本市场借贷的供应链运营和融资决策问题.采用Stackelberg博弈,构建并分析混同契约和甄别契约模型.研究表明:甄别契约能更好地激励零售商透露真实信息,使供应链整体利润增加;银行更偏好高价格零售商以降低借贷风险,银行在甄别契约下的期望利润总是大于混同契约下的期望利润;高价格零售商的期望利润受到价格波动和其类型比例的双重影响,在一定条件下选择甄别契约会得到额外的信息租金.%Based on the asymmetric sale price information,the interactions of operational and financing decision problems are studied in the supply chain,where a capital-constraint retailer borrows from the capital market to get the optimal ordering.With the Stackelberg game,the pooling contract and the screening contract are modeled under asymmetric information.The conclusions indicate that the screening contract is more helpful to motivate retailers to tell the private information and also to increase the profit of the whole supply chain than the pooling contract.The commercial bank prefers the retailer with higher price to reduce the credit risks.The screening model brings more profit to the bank than the pooling contract.The profit of the higher price retailer is influenced by the proportionality factor and the difference between two prices.The retailer with higher price will get information rent as the proportion of lower price retailers exceeds the threshold.

  18. Ist die Bank der Zukunft eine Bank?

    OpenAIRE

    Spremann, Klaus

    1997-01-01

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

  19. Derivation of a measure of systolic blood pressure mutability: a novel information theory-based metric from ambulatory blood pressure tests.

    Science.gov (United States)

    Contreras, Danitza J; Vogel, Eugenio E; Saravia, Gonzalo; Stockins, Benjamin

    2016-03-01

    We provide ambulatory blood pressure (BP) exams with tools based on information theory to quantify fluctuations thus increasing the capture of dynamic test components. Data from 515 ambulatory 24-hour BP exams were considered. Average age was 54 years, 54% were women, and 53% were under BP treatment. The average systolic pressure (SP) was 127 ± 8 mm Hg. A data compressor (wlzip) designed to recognize meaningful information is invoked to measure mutability which is a form of dynamical variability. For patients with the same average SP, different mutability values are obtained which reflects the differences in dynamical variability. In unadjusted linear regression models, mutability had low association with the mean systolic BP (R(2) = 0.056; P < .000001) but larger association with the SP deviation (R(2) = 0.761; P < .001). Wlzip allows detecting levels of variability in SP that could be hazardous. This new indicator can be easily added to the 24-hour BP monitors improving information toward diagnosis. PMID:26965751

  20. Norges Bank Watch 2011

    OpenAIRE

    Bjørnland, Hilde C.; Wilhelmsen, Bjørn Roger

    2011-01-01

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

  1. Adoption of Internet Banking: An Empirical Investigation of Indian Banking Sector

    OpenAIRE

    Balwinder Singh; Pooja Malhotra

    2004-01-01

    The tremendous advances in technology and the aggressive infusion of information technology had brought in a paradigm shift in banking operations. Internet banking that has revolutionized the banking industry world wide has turned out to be the nucleus issue of various studies all over the world. However there has constantly been a literature gap on the issue in India. The purpose of this paper is to help fill significant gaps in knowledge about the Internet banking landscape in India. The pa...

  2. A STUDY OF BANK CUSTOMERS’ PERCEIVED USEFULNESS OF ADOPTING ONLINE BANKING

    OpenAIRE

    Hsueh-Ying Wu; Chun-Chun Lin; Cheng-Lung Li; Hsing-Hui Lin

    2010-01-01

    As information technology rapidly changes the fabrics of industries in recent years, the trade of online banking has become more diversified. Specializing in unlimited, speedy and convenient services, online banking has transformed traditional banking in many countries. The managements’ ability to anticipate and respond to such changes in the financial marketplace, thus, has a decisive influence on the success or failure of many retail banks. The present study, exploratory in nature, was in...

  3. Banking Efficiency in European Banking

    OpenAIRE

    Michaelidou, Vasiliki

    2012-01-01

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

  4. INTEGRATED COMMUNICATIONS OF BANK MARKETING

    OpenAIRE

    Valeria Arina Balaceanu

    2008-01-01

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

  5. Pattern Analysis On Banking Dataset

    OpenAIRE

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

    2015-01-01

    Abstract Everyday refinement and development of technology has led to an increase in the competition between the Tech companies and their going out of way to crack the system andbreak down. Thus providing Data mining a strategically and security-wise important area for many business organizations including banking sector. It allows the analyzes of important information in the data warehouse and assists the banks to look for obscure patterns in a group and discover unknown relationship in the ...

  6. 浅谈网络信息背景下的银行人力资源管理%Introduction to human resource management of bank under the background of network information

    Institute of Scientific and Technical Information of China (English)

    荀濛; 毕霞

    2013-01-01

      当前已经逐步成为信息化、网络化,各个银行之间的竞争主要体现在其核心能力的竞争。人力资源在银行竞争中具有重要的地位和作用,在银行竞争优势中也是一种难以模仿的特定资源,是保持银行竞争优势的源泉,更是决定银行在信息化社会中竞争成败与否的关键因素。本文以网络信息时代下人力资源管理理论为基础分析我国现阶段银行人力资源管理的特点和所存在的一些问题,并针对这些问题提出对策建议,以提高人力资源管理效率,推进我国银行的发展。%  With the development of information and network,the competition between banks is mainly reflected in its core competitive power.Human resource,a source of competitive advantage of banks, has an important position and role in bank competition.As a specific resource,human resources is difficult to imitate,is a key determinant of bank competition in the information society.Based on the theory of human resource management in network information era, the author analyzes the characteristics of the present stage of our country bank human resources management and some existing problems, and puts forward some countermeasures and suggestions,in order to improve the efficiency of human resource management,to promote the development of China's banks.

  7. Internet versus Mobile Banking: A Study of Peshawar City (Pakistan

    Directory of Open Access Journals (Sweden)

    MUHMMAD ZEESHAN AHMAD KHAN

    2012-12-01

    Full Text Available The aim of this research is to consider the market status for difference between mobile and internet banking. The worldwide improvement of information technology has affected the banking industry. In the banking segment the impact of information technology is the preface of internet banking and mobile banking. The internet has created an incredible market space, another technology is the mobile phone has emerged to take more important role in business and society. Users attitude and behavioral characteristics for internet and mobile bank were examined in this study. A structured questionnaire was designed to collect responses. Bankers and common mobile business executives included which use their cell phone for financial transactions and check their balances on cell phones. This research and its results give a close view that only the perceive usefulness of mobile banking and internet banking are same. Research also emphasize on more study on this regard that mobile banking is not same as internet banking.

  8. Types of Blood Transfusions

    Science.gov (United States)

    ... Home » Health Information for the Public » Health Topics » Blood Transfusion » Types of Blood Transfusions Explore Blood Transfusion What Is... ... Share this page from the NHLBI on Twitter. Types of Blood Transfusions Blood is transfused either as whole blood ( ...

  9. Empirical Study of Distinct Features and Challenges of Joint Development of Information Systems: The Case of ABC Bank

    Institute of Scientific and Technical Information of China (English)

    MAO Jiye; SONG Wenmo

    2008-01-01

    The internal development and outsourced development of information systems have been studied intensively, but little research has been conducted on the joint development mode. This paper describes the benefits and problems encountered in the joint development of accounting management information systems based on a real case. The case illustrates some distinct advantages, such as full control over the development schedule, the flexibility with resource allocation, and insurance for sustained active participation by the end-users. However, this development mode also involves potential problems, e.g., potential conflicts arising from diverse backgrounds and cultures of the various stakeholders and challenges to manage personnel from outside partners.

  10. What Bulgarian Banks offer via Internet: an Overview (v2)

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

    The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

  11. What Bulgarian Banks offer via Internet: an Overview

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

    The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

  12. Lobbying on Regulatory Enforcement Actions: Evidence from Banking

    OpenAIRE

    Lambert, Thomas

    2016-01-01

    This paper analyzes the relationship between bank lobbying and supervisory decisions of regulators, and documents its moral hazard implications. Exploiting bank-level information on the universe of commercial and savings banks in the United States, I find that regulators are less likely to initiate enforcement actions against lobbying banks. In addition, I show that lobbying banks are riskier and reliably underperform their non-lobbying peers. Overall, these results appear rather inconsistent...

  13. Collaborative Management of Risks and Complexity in Banking Systems

    OpenAIRE

    Ion IVAN; Cristian CIUREA; Mihai DOINEA; Arthur AVRAMIEA

    2012-01-01

    This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different...

  14. Performance Evaluation and Labeling Comprehension of a New Blood Glucose Monitoring System with Integrated Information Management

    Science.gov (United States)

    List, Susan M; Starks, Nykole; Baum, John; Greene, Carmine; Pardo, Scott; Parkes, Joan L; Schachner, Holly C; Cuddihy, Robert

    2011-01-01

    Background This study evaluated performance and product labeling of CONTOUR® USB, a new blood glucose monitoring system (BGMS) with integrated diabetes management software and a universal serial bus (USB) port, in the hands of untrained lay users and health care professionals (HCPs). Method Subjects and HCPs tested subject's finger stick capillary blood in parallel using CONTOUR USB meters; deep finger stick blood was tested on a Yellow Springs Instruments (YSI) glucose analyzer for reference. Duplicate results by both subjects and HCPs were obtained to assess system precision. System accuracy was assessed according to International Organization for Standardization (ISO) 15197:2003 guidelines [within ±15 mg/dl of mean YSI results (samples system features and ease-of-use were evaluated by subject questionnaires. Results All subjects who completed the study (N = 74) successfully performed blood glucose measurements, connected the meter to a laptop computer, and used key features of the system. The system was accurate; 98.6% (146/148) of subject results and 96.6% (143/148) of HCP results exceeded ISO 15197:2003 criteria. All subject and HCP results were clinically accurate (97.3%; zone A) or associated with benign errors (2.7%; zone B). The majority of subjects rated features of the BGMS as “very good” or “excellent.” Conclusions CONTOUR USB exceeded ISO 15197:2003 system performance criteria in the hands of untrained lay users. Subjects understood the product labeling, found the system easy to use, and successfully performed blood glucose testing. PMID:22027308

  15. Linkage between online banking service quality and customers

    Directory of Open Access Journals (Sweden)

    S.Baskar

    2010-10-01

    Full Text Available Banks have expanded the scope of competition to an e-environment with online banking. The commercial banks in India are introducing online banking to their customers in order to retain their customers from the competition given by foreign banks. Even though, these are so many empirical studies related online banking service quality and customers satisfaction. Hence, the present study has an attempt to fill up the research gap. The findings of the study reveals that the online customers service quality, online information system quality and banking service product quality are significantly and positively influencing the customer satisfaction.

  16. A STUDY OF BANKING SECTOR IN INDIA AND OVERVIEW OF PERFORMANCE OF INDIAN BANKS WITH REFERENCE TO NET INTEREST MARGIN AND MARKET CAPITALIZATION OF BANKS

    OpenAIRE

    Limbore Nilesh V; Mane Baban . S

    2014-01-01

    Finance and banking is the life blood of trade, commerce and industry. Now-a-days, banking sector acts as the backbone of modern business. Development of any country mainly depends upon the banking system. A bank is a financial institution which deals with deposits and advances and other related services. It receives money from those who want to save in the form of deposits and it lends money to those who need it. The banking is one of the most essential and important parts of...

  17. The Relation Studying between Information Technique Innovation and Core Competence Formation in National Commercial Banking%国有商业银行信息化创新与核心竞争力培育相关性研究

    Institute of Scientific and Technical Information of China (English)

    廖晓莉; 熊艳; 张同健

    2011-01-01

    国有商业银行的信息化建设已走过二十年之路,目前已进入信息化创新阶段。信息化投资很难使国有商业银行摆脱"信息化悖论"的影响,信息化创新已成为提高国有商业银行信息化应用效率的重要手段,有效地促进了国有商业银行核心竞争力的培育和成长。国有商业银行的信息化创新体系可分为信息化管理创新、信息化流程再造、信息化技术创新和信息化环境创新四个要素。信息化创新和核心竞争力培育相关性的经验性分析可以有效地揭示国有商业银行信息化创新对核心竞争力培育的微观激励性传导机理,为国有商业银行进一步提高信息化建设效率、增强国有商业银行的核心竞争力提供可靠的理论借鉴。%The information technique construction of national commercial bank has been twenty years and begins to enter the innovation stage.The information technique investment can't make the national commercial bank get rid of the influence of "information technique paradox",and the information technique innovation has become the important method to raise the application efficiency of information technique of national commercial bank,and then strengthens the core competence of national commercial bank.The information technique innovation system of national commercial bank includes management innovation,process reengineering,technique innovation and environment innovation.This research may disclose the conduction mechanism of information technique innovation to the formation of core competence and provide valid theory identification for national commercial bank to raise the information technique innovation efficiency and theirs core competence.

  18. An Analysis of Internet Banking Security of Foreign Subsidiary Banks in Australia: A Customer Perspective

    Directory of Open Access Journals (Sweden)

    Panida Subsorn

    2012-03-01

    Full Text Available Internet banking has been deployed more frequently over the past few decades to support and improve the operational and managerial performance within the banking industry. However, the security issues of confidentiality, integrity and privacy have become increasingly more serious concerns in Internet banking systems because of the potential negative impact on the banks and its customers. In a previous research paper, the security of the Internet banking systems of 16 selected Australian banks was examined. This paper further examines Internet banking security in nine foreign subsidiary banks in Australia for comparison with the results and findings of the previous research in order to produce a more practical and comprehensive guideline, as well as to include a weight rating of security related website information for the banking industry in Australia. The findings of both the previous research paper and this paper revealed that there was lack of related Internet banking security information in all the selected Australian owned and foreign owned banks websites which have the potential to impact on the confidentiality of the banks and its customers as well as future potential customers.

  19. 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...

  20. 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.

  1. Editorial – Wisdom of the Crowds: Extending the Domain of Medical Information to Case Banks and Online Forums

    Directory of Open Access Journals (Sweden)

    Ashok Shyam

    2013-04-01

    Full Text Available As Evident in earlier Editorials [1,2,3], we at JOCR are striving for a bette understanding at Clinical Decision Making and better A Patient Care. Human deliberations and Single observations have been highlighted as important concepts in building a comprehensive paradigm for individual patient management [2,3]. A re-view of the quality and direction of current body of ‘Selective’ literature, which is highly biased towards Evidence Based Medicine (EBM, is needed. EBM has its own role and important place in literature but it might be suffering from a ‘Central Control’ phenomenon in terms of few ‘Chosen’ groups of experts dig the Evidence and instruct others on how to interpret and utilize ‘Evidence’. Here I will like to introduce a concept from Cybernetics called ‘Variety’ which represents possible alternatives or possible bits of information. The concept of variety is embodied by Ashby’s Law which is stated (and also applicable in many forms. The most useful form for us is as stated by Steve Hickey and Hillary Roberts: “Ashby’s Law stipulates that the minimum amount of information needed to give an accurate answer is exactly the amount needed to specify the problem” [4]. This is interpreted as; if the question has lot of variety the answer too will have same amount of variety. A complicated question will not have a simple answer. Management of a complex fracture in patient with multiple co-morbidites in a resourcefully challenged situation cannot be resolved by ‘Cookbook’ approach that EBM will like us to believe. Thus if we need an answer to a complex situation, more information will be needed and on a large scale ‘Wisdom of Crowds’ will be more effective than a controlled guideline. Every one of us holds a part of knowledge about management of these cases and when put together will be much more helpful than the group statistics of large clinical trials. Again as surgeons we need to predict the individual

  2. Quality indicators for discarding blood in the National Blood Center, Kuala Lumpur

    Directory of Open Access Journals (Sweden)

    Mohammed Morish

    2012-01-01

    Full Text Available Background and Objective: The implementation of quality system and continuous evaluation of all activities of the Blood Transfusion Services (BTS can help to achieve the maximum quantity and quality of safe blood. Optimizing blood collection and processing would reduce the rate of discard and improve the efficiency of the BTS. The objective of this study is to determine the rate of discard of blood and blood component and identify its reasons at the National Blood Centre (NBC, Kuala Lumpur, during the year of 2007 in order to introduce appropriate intervention. Study Designs and Methods: Data on the number of discarded whole blood units and its components, reasons for discard, and the number of blood components processed as well as the number of collected blood units were obtained from the Blood Bank Information System - NBC database. These were analyzed. Results: The total number of blood units collected in 2007 was 171169 from which 390636 units of components were prepared. The total number of discarded whole blood units and its components was 8968 (2.3%. Platelet concentrate recorded the highest of discard at 6% (3909 followed by whole blood at 3.7% (647, fresh frozen plasma (FFP at 2.5% (2839, and cryoprecipitate at 2% (620. The rate of discarded packed red blood cells RBCs, plasma aphaeresis, and PLT aphaeresis was less than 1% at 0.6% (902, 0.6% (37, and 0.29% (14, respectively. RBC contamination of PLT and plasma were the major cause of discard at 40% (3558. Other causes include leakage (26% - 2306, lipemia (25% - 2208, and underweight (4% - 353. Conclusion: Good donor selection, training and evaluation of the staff, as well as implementation of automation will help to improve processes and output of BTS. This would reduce discard of blood components and wastage caused by non conformance.

  3. Becoming a Blood Stem Cell Donor

    Medline Plus

    Full Text Available ... cell donation experience at the National Institutes of Health Clinical Center in Bethesda, MD. Bone marrow transplantation ( ... About Cord Blood Banking - Duration: 49:19. Children's Health 26,035 views 49:19 Scott: Donating Blood ...

  4. Becoming a Blood Stem Cell Donor

    Medline Plus

    Full Text Available ... cell donation experience at the National Institutes of Health Clinical Center in Bethesda, MD. Bone marrow transplantation ( ... About Cord Blood Banking - Duration: 49:19. Children's Health 27,845 views 49:19 Scott: Donating Blood ...

  5. 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.

  6. 12 CFR 12.101 - National bank disclosure of remuneration for mutual fund transactions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank disclosure of remuneration for... Interpretations § 12.101 National bank disclosure of remuneration for mutual fund transactions. A national bank may fulfill its obligation to disclose information on the source and amount of remuneration,...

  7. 12 CFR 211.3 - Foreign branches of U.S. banking organizations.

    Science.gov (United States)

    2010-01-01

    ... CFR part 204). (e) Conditional approval; access to information. The Board may impose such conditions... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Foreign branches of U.S. banking organizations. 211.3 Section 211.3 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL...

  8. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

  9. REFORM, ORGANISATION AND CONSOLIDATION OF THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    ION Gr. IONESCU

    2012-01-01

    Full Text Available Banking system, making the economic environment and the resources it provides, the subsystem consists of macro economic and social. He is in continuous interaction with the economic environment, which takes "input" in various forms - human, financial, information they process into "outputs" - products and banking services, financial derivatives used in banking, financial and banking information, etc. In other words, and the banking system is now an open system. What is specific to open systems, and hence the banking system is that it regulates activity by reverse connection (feed back, so they are capable of self.

  10. Technology outsourcing : a community bank perspective

    OpenAIRE

    Eric Robbins; Joe Van Walleghem

    2004-01-01

    This article provides an overview of the technology industry that has evolved to provide technology outsourcing services for community banks, and the risk management issues associated with outsourcing. The service provider industry is in a transition phase being brought about by changing economic fundamentals in banking and in information technology. These factors have contributed to significant consolidation among the technology companies that serve the banking industry, especially among tec...

  11. Internationalization of banks : The consumer perspective

    OpenAIRE

    Olsson, Kristina; Gankhuyag, Tsolmon

    2008-01-01

    Increased deregulation, cross-border activities of non-financial companies and improved information communications technology led to an increased consolidation of financial institutions across borders. Commercial banking sector in particular, have witnessed trenmendous amount of cross-border bank merger and acquisitions’ (M&As) deals through out the recent years. The reasons behind cross-border bank M&As are examined from different theoritical perspectives, such as a mode of entry int...

  12. The ProCard mobile banking system

    OpenAIRE

    Traian SURCEL; Felician ALECU

    2007-01-01

    The mobile banking involves the use of some mobile telecommunication devices (such phones or PDAs - Personal Digital Assistants) in order to complete, in a secure manner, banking transactions (like payments, transfers, account information and so on). It doesn't matter where the user is physically located. Also, the hour when the services are requested is not important anymore, because, thanks to the internet banking, the offices are virtually opened 24 hours per day. The ProCard system repres...

  13. Bank Borrowers and Loan Sales: New Evidence on the Uniqueness of Bank Loans

    OpenAIRE

    Sandeep Dahiya; Manju Puri; Anthony Saunders

    2003-01-01

    This article examines the information content of the sale announcement of a borrower's loans by its lending bank. We find significant negative stock returns for the borrower on the loan sale announcement, particularly for subpar loan sales, where the bank's information advantage is greatest. Further, a large proportion of these borrowers file for bankruptcy after the loan sale. The evidence supports the hypothesis that the news of a bank loan sale conveys negative certification, which is vali...

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

    OpenAIRE

    Ross Levine

    2003-01-01

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

  15. Internal Reporting Systems, Compensation Contracts, and Bank Regulation

    OpenAIRE

    Lóránth, Gyöngyi; Morrison, Alan

    2009-01-01

    We examine the interdependency between loan officer compensation contracts and commercial bank internal reporting systems (IRSs). The optimal incentive contract for bank loan officers may require the bank headquarters to commit not to act on certain types of information. The headquarters can achieve this by running a basic reporting system that restricts information flow within the bank. We show that origination fees for loan officers emerge naturally as part of the optimal contract in our se...

  16. 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.

  17. Pengaruh Sistem Informasi Akuntansi terhadap keefektifan pengendalian Internal pada Bank-bank umum yang terdaftar paada Bursa efek Indonesia

    OpenAIRE

    Ardhynatha S.

    2015-01-01

    Internal control system is the important element in management of a bank. I's a basic system to do a safe and healthy bank operational that can develop properly. Internal control system can help the managerial of bank to protect bank asset, to guarantee certified financial report and reliable accurate managerial. Accounting system information is a series of formal procedures which is every financial transaction collected and processed due to be applicable accounting information for user. ...

  18. Pengaruh Sistem Informasi Akuntansi terhadap Keefektifan Pengendalian Internal pada Bank-Bank umum yang terdaftar di BEI

    OpenAIRE

    Nurafni

    2013-01-01

    “THE IMPACT OF ACCOUNTING INFORMATION SYSTEM ON EFFECTIVENESS OF INTERNAL CONTROL IN COMMERCIAL BANKS LISTED IN BEI” The purpose of the present study is to identify the impact of accounting information systems of the effectiveness of internal controls on commercial banks listed on the Stock Exchange through the analysis of management oversight and internal controls. To collect data, used for distributing questionnaires to banking staff who work on a sample of banks in this study. Out of 39...

  19. Peripheral blood fibrocytes: new information to explain the dynamics of Leishmania infection

    Directory of Open Access Journals (Sweden)

    Roger Magno Macedo-Silva

    2014-02-01

    Full Text Available Fibrocytes are important for understanding the progression of many diseases because they are present in areas where pathogenic lesions are generated. However, the morphology of fibrocytes and their interactions with parasites are poorly understood. In this study, we examined the morphology of peripheral blood fibrocytes and their interactions with Leishmania (L. amazonensis . Through ultrastructural analysis, we describe the details of fibrocyte morphology and how fibrocytes rapidly internaliseLeishmania promastigotes. The parasites differentiated into amastigotes after 2 h in phagolysosomes and the infection was completely resolved after 72 h. Early in the infection, we found increased nitric oxide production and large lysosomes with electron-dense material. These factors may regulate the proliferation and death of the parasites. Because fibrocytes are present at the infection site and are directly involved in developing cutaneous leishmaniasis, they are targets for effective, non-toxic cell-based therapies that control and treat leishmaniasis.

  20. Peripheral blood fibrocytes: new information to explain the dynamics of Leishmania infection.

    Science.gov (United States)

    Macedo-Silva, Roger Magno; Santos, Carina de Lima Pereira dos; Diniz, Vanessa Alvaro; Carvalho, Jorge José de; Guerra, Camila; Côrte-Real, Suzana

    2014-02-01

    Fibrocytes are important for understanding the progression of many diseases because they are present in areas where pathogenic lesions are generated. However, the morphology of fibrocytes and their interactions with parasites are poorly understood. In this study, we examined the morphology of peripheral blood fibrocytes and their interactions with Leishmania (L.) amazonensis . Through ultrastructural analysis, we describe the details of fibrocyte morphology and how fibrocytes rapidly internalise Leishmania promastigotes. The parasites differentiated into amastigotes after 2 h in phagolysosomes and the infection was completely resolved after 72 h. Early in the infection, we found increased nitric oxide production and large lysosomes with electron-dense material. These factors may regulate the proliferation and death of the parasites. Because fibrocytes are present at the infection site and are directly involved in developing cutaneous leishmaniasis, they are targets for effective, non-toxic cell-based therapies that control and treat leishmaniasis. PMID:24626303

  1. Peripheral blood fibrocytes: new information to explain the dynamics of Leishmania infection

    Science.gov (United States)

    Macedo-Silva, Roger Magno; dos Santos, Carina de Lima Pereira; Diniz, Vanessa Alvaro; de Carvalho, Jorge José; Guerra, Camila; Côrte-Real, Suzana

    2013-01-01

    Fibrocytes are important for understanding the progression of many diseases because they are present in areas where pathogenic lesions are generated. However, the morphology of fibrocytes and their interactions with parasites are poorly understood. In this study, we examined the morphology of peripheral blood fibrocytes and their interactions with Leishmania (L.) amazonensis . Through ultrastructural analysis, we describe the details of fibrocyte morphology and how fibrocytes rapidly internalise Leishmania promastigotes. The parasites differentiated into amastigotes after 2 h in phagolysosomes and the infection was completely resolved after 72 h. Early in the infection, we found increased nitric oxide production and large lysosomes with electron-dense material. These factors may regulate the proliferation and death of the parasites. Because fibrocytes are present at the infection site and are directly involved in developing cutaneous leishmaniasis, they are targets for effective, non-toxic cell-based therapies that control and treat leishmaniasis. PMID:24626303

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

    OpenAIRE

    Aditya Wardhana

    2015-01-01

    The research aim was to assess the influence of the service quality of mobile banking (m-banking) against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking) were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking ...

  3. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  4. An analysis of decision making in cord blood donation through a participatory approach.

    Science.gov (United States)

    Salvaterra, Elena; Casati, Sara; Bottardi, Simonetta; Brizzolara, Antonella; Calistri, Daniela; Cofano, Rosanna; Folliero, Emanuela; Lalatta, Faustina; Maffioletti, Cristina; Negri, Mariangela; Rebulla, Paolo

    2010-06-01

    We analysed knowledge, comprehension, opinions, attitudes and choices related to cord blood donation in seven heterogeneous focus groups including pregnant women, future parents, cord blood donors, midwives and obstetricians/gynaecologists. Comparative evaluations focused on attitudes before versus after delivery and preferences of public versus private banking. The study outlined large support to altruistic cord blood donation and need for better health professionals education in this field. Collected information was presented in a public conference and used to develop an informative brochure which was tested for readability and clearliness in four workshops and finally distributed to 26 regional delivery suites. PMID:20381426

  5. USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    ALIN ISAC

    2013-12-01

    Full Text Available Technology and applications of mobile phones offer many opportunities for businesses, they also presenting a continuous development and new challenges. Although this service is currently viewed with reluctance by customers, banks need to overcome this drawback and understand how this service can be combined with other alternative channels such as social media, to create value for customers. In this paper I presented information about present and perspectives in mobile applications industry, what can a mobile application do in banking, banking mobile applications in Romania, mobile banking applications worldwide.

  6. ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

    Directory of Open Access Journals (Sweden)

    Paun Dragos

    2010-12-01

    Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

  7. The ENZYME data bank.

    Science.gov (United States)

    Bairoch, A

    1994-01-01

    The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any). PMID:7937072

  8. Image data bank

    International Nuclear Information System (INIS)

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

  9. What is Shadow Banking?

    OpenAIRE

    Stijn Claessens; Lev Ratnovski

    2014-01-01

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

  10. 76 FR 17521 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-03-30

    ... Register of February 25, 2011 (76 FR 10672), regarding Assessments, Large Bank Pricing. This correction... 17th Street, NW., Washington, DC 20429. SUPPLEMENTARY INFORMATION: In FR Doc. 2011-3086, appearing on... 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation...

  11. Techniques for measuring customers’ satisfaction in Banks

    Directory of Open Access Journals (Sweden)

    Elena Lidia MELNIC

    2016-07-01

    Full Text Available The major concern of banks today is to recover and maintain customer trust. Customers need to feel that banks are considering their best interests. Customers are seeking for easy and personalized information. They want to better understand their financial situation and to control it. They want to know both the benefits, as well as the risks. Clients want to work with banks that are concerned about them and about their personal goals. However, only an attractive offer of banks is not the key to success today if is not supported by a superior service culture, that can make notable differentiation in the market. Many banks all over the world are systematically measuring how well they treat customers, identifying the factors shaping satisfaction, and changing operations and marketing as a result. Wise banks measure customer satisfaction regularly because it is one key to customer retention.

  12. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  13. 射频识别血液信息管理系统在海军医院船上的应用%Application of blood information management system based on RFID technology in boat hospital

    Institute of Scientific and Technical Information of China (English)

    郑长青; 冯帅; 李露嘉; 王曙光; 刘鹏; 姚雪

    2014-01-01

    Objective To give an intelligent, real -time and accurate blood information management by using RFID technology to replace the existing barcode based systems that have exposed certain technical weaknesses in boat hospital. Methods Suspended leukocyte-reduce red blood cells,fresh frozen plasma and temperature monitoring were used to detect the stability and environmental adaptability of new blood management system adopting RFID technology in boat hospial. Results Comprehensive information management of blood ranging from reception, warehousing, storage, transportion and quality control to delivery,and the safety of blood management greatly was enhanced. The system had the characteristics of automatic recognition, data updated in real -time, automatic warning, adapting sea environment, etc. Conclusion It may be realized an intelligent management and information sharing of blood information system between military blood center,blood bank and boat hospital through improving correlated software and hardware in future.%目的:检测基于RFID的血液智能化管理系统在海洋环境下的稳定性、准确性、环境适应性及影响因素分析,为改进适合海上环境的RFID血液信息管理系统提供依据。方法在海军医疗船上进行少白细胞的红细胞悬液和新鲜冰冻血浆的贮运、清点、出入库及贮运血箱温度监控试验。结果系统在不同海况下运行情况比较稳定、工作流程较为合理;电子标签和智能读取装置能够承受海洋环境下的高盐、高湿等恶劣环境,具有较强的环境适应性。温度监控系统在准确性、稳定性、灵敏度方面未达到预期的使用要求,需要进一步实验验证。结论基于RFID技术的血液管理系统在战备血液管理方面具有明显的优越性,通过相关软硬件改进,有可能实现军队血液中心、野战血站、医疗船(医疗队)等相关部门及过程的信息共享。

  14. Oman; Banking Sector Resilience

    OpenAIRE

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

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

  15. The Chinese Banking System

    OpenAIRE

    Grant Turner; Nicholas Tan; Dena Sadeghian

    2012-01-01

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

  16. Shadow bank monitoring

    OpenAIRE

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

    2013-01-01

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

  17. 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.

  18. 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

  19. Bank branches in supermarkets

    OpenAIRE

    Lawrence J. Radecki; John Wenninger; Daniel Orlow

    1996-01-01

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

  20. Bank Profitability during Recessions

    OpenAIRE

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

    2010-01-01

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

  1. Norges Bank Watch 2008

    OpenAIRE

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

    2008-01-01

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

  2. Selling Failed Banks

    OpenAIRE

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

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

  3. Outsourcing central banking

    OpenAIRE

    Khoury, Sarkis Joseph; Wihlborg , Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervision can be "outsourced" in an open economy with substantial foreign direct investment (FDI) in the banking sector if political nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could...

  4. Understanding Banking Sector Globalization

    OpenAIRE

    Linda S. Goldberg

    2009-01-01

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

  5. Solving shortage in a priceless market: Insights from blood donation.

    Science.gov (United States)

    Sun, Tianshu; Lu, Susan Feng; Jin, Ginger Zhe

    2016-07-01

    Shortage is common in many markets, such as those for human organs or blood, but the problem is often difficult to solve through price adjustment, given safety and ethical concerns. In this paper, we study two non-price methods that are often used to alleviate shortage for human blood. The first method is informing existing donors of a current shortage via a mobile message and encouraging them to donate voluntarily. The second method is asking the patient's family or friends to donate in a family replacement (FR) program at the time of shortage. Using 447,357 individual donation records across 8 years from a large Chinese blood bank, we show that both methods are effective in addressing blood shortage in the short run but have different implications for total blood supply in the long run. We compare the efficacy of these methods and discuss their applications under different scenarios to alleviate shortage. PMID:27263024

  6. Analysis of differential item functioning in the depression item bank from the Patient Reported Outcome Measurement Information System (PROMIS: An item response theory approach

    Directory of Open Access Journals (Sweden)

    JOSEPH P. EIMICKE

    2009-06-01

    Full Text Available The aims of this paper are to present findings related to differential item functioning (DIF in the Patient Reported Outcome Measurement Information System (PROMIS depression item bank, and to discuss potential threats to the validity of results from studies of DIF. The 32 depression items studied were modified from several widely used instruments. DIF analyses of gender, age and education were performed using a sample of 735 individuals recruited by a survey polling firm. DIF hypotheses were generated by asking content experts to indicate whether or not they expected DIF to be present, and the direction of the DIF with respect to the studied comparison groups. Primary analyses were conducted using the graded item response model (for polytomous, ordered response category data with likelihood ratio tests of DIF, accompanied by magnitude measures. Sensitivity analyses were performed using other item response models and approaches to DIF detection. Despite some caveats, the items that are recommended for exclusion or for separate calibration were "I felt like crying" and "I had trouble enjoying things that I used to enjoy." The item, "I felt I had no energy," was also flagged as evidencing DIF, and recommended for additional review. On the one hand, false DIF detection (Type 1 error was controlled to the extent possible by ensuring model fit and purification. On the other hand, power for DIF detection might have been compromised by several factors, including sparse data and small sample sizes. Nonetheless, practical and not just statistical significance should be considered. In this case the overall magnitude and impact of DIF was small for the groups studied, although impact was relatively large for some individuals.

  7. Physical and operational infrastructure of transfusion services of the public blood bank network in the State of Minas Gerais, Brazil, 2007/2008 Infraestrutura física e operacional das agências transfusionais da hemorrede pública do Estado de Minas Gerais, Brasil, 2007/2008

    Directory of Open Access Journals (Sweden)

    Stela Brener

    2010-01-01

    Full Text Available INTRODUCTION: Within the context of transfusion safety, the immunohematological study of donors and recipients of blood products is currently the most fragile link in the transfusion chain of the public blood bank network of Minas Gerais. OBJECTIVE: The objective of this work was to provide a critical and situational overview of the physical and operational infrastructure of the transfusion services in the state. Method: This was an observational cross-sectional, evidence-based study covering 226 transfusion services; only 19 belong to the Hemominas Foundation and 207 are non-Hemominas transfusion services. The investigation involved the application of questionnaires and red cell panel tests. RESULTS: The results revealed considerable non-compliance with the national law and with the norms of Hemominas. These findings were obtained for the two groups studied; however the frequencies were higher among non-Hemominas transfusion services. CONCLUSION: The study provides information about the situation of the physical and operational infrastructure of transfusion services that may be used to help plan effective measures for improvement and serve as the basis for an evaluation of the impact of future interventions regarding the quality, reliability and safety of transfusions. As primordial factors, we propose compliance with the law, qualified personnel and investment in further qualifications, a review of training methods, and more rigorous inspection of transfusion services. As a suggestion, we propose the establishment of an External Quality Control Program in Immunohematology for the entire network of blood banks in the state and the adoption of the methods presented in this study as a tool to monitor transfusion service performance.INTRODUÇÃO: No contexto da segurança transfusional, o estudo imuno-hematológico do doador e do receptor de hemocomponentes é hoje o elo mais frágil da cadeia transfusional na hemorrede pública de Minas Gerais

  8. ANALYSIS OF INCOMES, EXPENSES AND PROFITABILITY IN BANKS

    Directory of Open Access Journals (Sweden)

    MIRELA MONEA

    2011-01-01

    Full Text Available The paper is centered on presenting some aspects regarding incomes, expenses and results of commercial banks from Romanian banking system such as: income dynamics and structure, expenses dynamics and structure, a set of indicators which reflects the main banks performances. Discussion is focused on a comparative analysis between two commercial banks from Romanian banking system, taking into consideration date from a certain period of time. Profitability indicators are very usefully from banks management having an important informational value, the main discussion being focused on: return on assets, return on equity, net assets margin, rate of profit, equity multiplier, expenses to income ratio.

  9. The World Bank Group A to Z 2016

    OpenAIRE

    World Bank Group

    2015-01-01

    The World Bank Group A to Z provides concise and essential information about the mission, policies, procedures, products, and services of the new World Bank Group. This second edition is a follow-up to the first volume released for the 2014 Annual Meetings. The World Bank Group A to Z series builds on previous editions of A Guide to the World Bank to include features not found in its predecessors including: a graphical introduction to the World Bank Group, highlighting the Bank Group’s g...

  10. Strategies for informative displays of blood vessels using magnetic resonance imaging data

    International Nuclear Information System (INIS)

    Algorithms which aid three-dimensional visualization of particular structures have been developed for MRI. This involves identifying regions of interest, placing them in a three-dimensional context, and displaying projections onto a two-dimensional monitor. The images can be displayed from various perspectives, contrast-enhanced, or encoded by color or grey scale to show relationships other than signal intensity to differentiate tissues. In order to be useful, the new images must provide more information or facilitate some other even more tedious procedure. The MRI vessel reconstructions, in addition to the improved anatomic visualization, display information about flow and patent area which is difficult to determine by looking at the original slices. (Auth.)

  11. Using geographic information systems to assess risk for elevated blood lead levels in children.

    OpenAIRE

    Roberts, James R.; Hulsey, Thomas C.; Curtis, Gerald B.; Reigart, J. Routt

    2003-01-01

    OBJECTIVES: Targeted screening for childhood lead poisoning depends on assessment of risk factors including housing age. Using a geographic information system (GIS), we aim to determine high-risk regions in Charleston County, South Carolina, to assist public health officials in developing targeted lead-screening. METHODS: Properties built before 1978 were geocoded (assigned latitude and longitude coordinates) from tax assessor data. Addresses of Charleston County children who have been screen...

  12. Transportation Environment Data Bank index

    Energy Technology Data Exchange (ETDEWEB)

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

    1976-11-01

    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.

  13. 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.

  14. Transportation Environment Data Bank index

    International Nuclear Information System (INIS)

    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

  15. 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…

  16. Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

    Directory of Open Access Journals (Sweden)

    Nafis Alam

    2010-08-01

    Full Text Available Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and teller interactions. Online banking has managed to provide customers the convenience, efficiency, effe ctiveness, and most importantly, the speed needed in today’s dynamic world. As more banks around the world are offering online banking to its customers, it is becoming a rather popular trend. Online banking is an asset both to the bank and the customer. However, countries like Sudan are yet to join the frenzy of this new innovation in an effective manner. This paper will investigate what are the challenges faced by Sudanese banks in implementing online banking.

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

    Directory of Open Access Journals (Sweden)

    Ali Sanayei

    2014-01-01

    Electronic banking is one of the electronic commerce tools that has been accepted by the banking industry. Development of electronic banking activities based on information and communication technology has caused the emergence of another type of bank, which is called virtual bank that performs its products and services through electronic distribution channels without branch. Due to the differences between virtual bank and electronic banking and the importance of virtual bank activities in the banking system, the aim of this study is to analyze factors influencing on acceptance of virtual bank in Iran. For this purpose, Technology Acceptance Model (TAM has been considered as the main model and in addition to perceived benefits and perceived ease of use, trust, government support and advertising have been also studied. An electronic questionnaire has been designed and the statistical population included Iranian electronic citizens that had received and completed the questionnaire via email in three months period. The results of analyzing 247 questionnaires imply that the perceived benefits, trust and government support have influence on acceptance of virtual bank. Also the effect of perceived ease of use on perceived benefits and trust is confirmed. Finally, some suggestions for future research have been presented.

  18. 12 CFR 611.515 - Information statement.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Information statement. 611.515 Section 611.515 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Transfer of Authorities § 611.515 Information statement. (a) The bank and association shall prepare an information...

  19. Mobile banking: near future of banking

    OpenAIRE

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

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

  20. Present Scenario and Future Prospects of E- Banking in Indian Banking Sector

    Directory of Open Access Journals (Sweden)

    Prof. Gajanan T. Waghmare

    2012-03-01

    Full Text Available Now-a-days banking is known as innovative banking. Developments in Information technology have given a rise to innovations in the product & service designing and their supply in the banking sector and finance industries, customer services and satisfaction are their centre point of all the efforts. One of the most important areas of banking where Information Technology have a positive influence so on substitutes for traditional funds movement services. With the advent of online banking, electronic funds transfer and other similar products & services for funds transfer within quick time which was impossible a few years age. With networking and inter connection new problems are taking place related to security, privacy and confidentiality to e-banking transactions.

  1. A STUDY OF E-SERVICES OF BANKS WITH SPECIAL REFERENCE TO YES BANK, KOLHAPUR

    Directory of Open Access Journals (Sweden)

    Sajida H. Nadaf

    2015-06-01

    Full Text Available E-banking means electronic banking which is popularly known as anywhere banking. Electronic banking, also known as electronic funds transfer (EFT, is simplythe use of electronic means to transfer funds directly from one account to another, rather than by cheque or cash. New Information technology has takenimportant place in the future development of financial services, especially banking sector transition are affected more than any other financial provider groups.Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attentiontowards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information andCommunication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Although it is proving boon to all sectors especially to all types of customers and financial sector but itsgrowing use without awareness has also attracted many crimes and frauds.

  2. The evolution of bank lending to small business

    OpenAIRE

    Joe Peek; Eric Rosengren

    1998-01-01

    This article examines how consolidation, along with the use of credit-scoring models for lending, may be reflected in recent patterns of small business lending by banks. The authors find that the market for small business lending has been substantially influenced both by the wave of bank consolidations and by the adoption of efficiency-enhancing information technologies at banks.

  3. 45 CFR 60.1 - The National Practitioner Data Bank.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false The National Practitioner Data Bank. 60.1 Section... PRACTITIONER DATA BANK FOR ADVERSE INFORMATION ON PHYSICIANS AND OTHER HEALTH CARE PRACTITIONERS General Provisions § 60.1 The National Practitioner Data Bank. The Health Care Quality Improvement Act of 1986,...

  4. The role of banks in influencing regional flow of funds

    OpenAIRE

    Katherine A. Samolyk

    1989-01-01

    A presentation of a theoretical model of regional banking using plausible information asymmetries to explain how local bank capital may affect the funding of regional investments, concluding that regional banking conditions can affect the efficiency of investment and the level of future aggregate output.

  5. Banks, Financial Markets and Growth

    OpenAIRE

    Deidda, Luca Gabriele; Fattouh, Bassam

    2005-01-01

    We analyze the interaction between bank and market finance in a model where bankers gather information through monitoring and screening.We show that,if a market is established characterized by a disclosure law such that entrepreneurs wishing to raise market finance can credibly disclose their sources of financing,this might undermine bankers'incentive to screen,even when screening is effcient.Correspondingly,other things being equal,the change from a bank-based system to one in which market-f...

  6. Effect of Trust on E-Banking User’s Satisfaction: A Review

    OpenAIRE

    Ma’en Mahmoud Ali Alsheyyab; Dalbir Singh

    2013-01-01

    The emergence of electronic banking (e-banking) provides excellent opportunity for efficient services and promotes competitiveness to meets consumer demands through the creation of improve banking transaction route that reduces overall banking costs. Resultant improved performance from the adoption of e-banking services has rapidly increased with the introduction of World Wide Web. However, lack of trust has constrained the adoption of e-banking services as users information are exposed unkno...

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

    OpenAIRE

    Adalet, Müge

    2009-01-01

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

  8. Evaluation of Social Networks Sites in the Banking Sector: An Analysis of Top 200International Banks

    OpenAIRE

    FRANCISCO JAVIER MIRANDA; ANTONIO CHAMORRO; SERGIO RUBIO; VÍCTOR MORGADO

    2013-01-01

    Social networks have become an interesting marketing tool for the banking sector to manage contact and interaction with their actual and potential customers. The purpose of this study was to evaluate the use of Facebook by the top 200 international banks. Our paper proposes a new instrument called Facebook Assessment Index (FAI), which uses three categories to evaluate the essential information on a firm's Facebook page: popularity, interactivity, and content. Only 60% of the banks tested had...

  9. Effective Factors on the Use of Internet Banking Services by Customers (Case: Mellat Bank)

    OpenAIRE

    Mohammad Taghi Taghavifard; Mohsen Zahedi Adib; Mostafa Torabi

    2012-01-01

    This study extended the Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB) and the trust factor to study the factors affecting the use of information technology and Internet banking in Iran, especially from Internet banking customers Mellat Bank of Iran has paid. Technology Acceptance Model by Davis (1986) is one of the theories that were attended by many researchers. He believed that two factors, customer perception of level of perceived benefit and ease of use, influence in...

  10. Identifying web usage behavior of bank customers

    Science.gov (United States)

    Araya, Sandro; Silva, Mariano; Weber, Richard

    2002-03-01

    The bank Banco Credito e Inversiones (BCI) started its virtual bank in 1996 and its registered customers perform currently more than 10,000 Internet transactions daily, which typically cause les than 10% of traditional transaction costs. Since most of the customers are still not registered for online banking, one of the goals of the virtual bank is to increase then umber of registered customers. Objective of the presented work was to identify customers who are likely to perform online banking but still do not use this medium for their transactions. This objective has been reached by determining profiles of registered customers who perform many transactions online. Based on these profiles the bank's Data Warehouse is explored for twins of these heavy users that are still not registered for online banking. We applied clustering in order to group the registered customers into five classes. One of these classes contained almost 30% of all registered customers and could clearly be identified as class of heavy users. Next a neural network assigned online customers to the previously found five classes. Applying the network trained on online customers to all the bank customers identified twins of heavy users that, however had not performed online transactions so far. A mailing to these candidates informing about the advantages of online banking doubled the number of registrations compared to previous campaigns.

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

    OpenAIRE

    Miranda Petronella VLAD; Mariana Rodica TIRLEA

    2012-01-01

    E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accoun...

  12. Practical use of computerized hospital information systems to improve blood transfusion.

    Science.gov (United States)

    Butch, S H

    1997-04-01

    Data collection can be enhanced with the use of computers. Care must be taken, however, to ensure that the data collected have a purpose and meet either the quality assessment needs or business functions of the transfusion service. Required data elements are frequently in several data repositories and must be merged to obtain needed information. Effective data collection may be hindered by several factors, including a lack of data elements in the computer systems, data retention limitations, and changes in the computer system or collection needs. Personal computers with commonly available spreadsheet and database management software are useful in preparing summarized reports. An ideal report is legibly printed on one side of a sheet of paper and includes graphs and charts that enhance data presentation and facilitate trend analysis. PMID:9124230

  13. The changing business activities of banks in Canada

    OpenAIRE

    Jim Armstrong

    1997-01-01

    Over the last 30 years, the business mix of banks in Canada has changed significantly. Progress in information-processing technology, legislative changes, and market forces have combined to blur the traditional distinctions between banks and other financial institutions and have allowed banks to offer a much wider range of products and services. In this article, the author reviews the expansion of bank lending to households over this period and their recent movement into personal wealth manag...

  14. Technological and Structural Change in the European Banking Industry

    OpenAIRE

    Panapoulou, Maria

    2002-01-01

    The world banking industry is undergoing a large-scale transformation. Banking systems and financial markets, both domestic and international, have been undergoing a series of profound changes. One of the main driving forces of these worldwide changes is the introduction of innovations in new information technologies. Against these trends, industrial structure in the banking industry and banking regulation have sometimes encouraged these trends and sometimes adapted to them. The aim of this p...

  15. Modern Approaches of the Banking Services in Knowledge Based Economy

    OpenAIRE

    ZAMFIR Andreea

    2007-01-01

    Nowadays, the unprecedented development of the information and communication technologies generates profound and irreversible changes of the entire society. Because of its specific characteristic features, the banking services’ field is one of the most dynamic sectors in the economy. Therefore, the paper presents some issues regarding the development of the electronic banking services and the importance of the creativity and innovation of banking services. The success factors in banking servi...

  16. Benefits of relationship banking: evidence from consumer credit markets

    OpenAIRE

    Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; Nicholas S. Souleles

    2010-01-01

    This paper empirically examines the benefits of relationship banking to banks, in the context of consumer credit markets. Using a unique panel dataset that contains comprehensive information about the relationships between a large bank and its credit card customers, we estimate the effects of relationship banking on the customers' default, attrition, and utilization behavior. We find that relationship accounts exhibit lower probabilities of default and attrition, and have higher utilization r...

  17. E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

    OpenAIRE

    IMOLA DRIGĂ; CLAUDIA ISAC

    2014-01-01

    Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wid...

  18. Internet Banking

    OpenAIRE

    Felician ALECU

    2009-01-01

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

  19. West Bank Gaza Geo-MIS System

    Data.gov (United States)

    US Agency for International Development — The Geo-MIS System is USAID/West Bank and Gaza's primary system for capturing and managing projectrelated information. Its purpose is to assist USAID and its...

  20. CUSTOMERS’ PREFERENCE FOR E – BANKING SERVICES: A CASE STUDY OF SELECTED BANKS IN SIERRA LEONE

    Directory of Open Access Journals (Sweden)

    R. A. GBADEYAN

    2011-08-01

    Full Text Available The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. There are some associated risks identified in the study that seem to hinder the success of e-banking services and thus constitute major concern to both financial institutions and customers. This paper therefore, examines, if customers’ choice of banks is influenced by the quality of e–banking services provided. Stratified sampling was used; while the survey Instrument was a developed Questionnaire comprising open ended and Likert type of questions. The Likert type questions have a 4 point scale (indicating 1 = very comfortable and 4 = uncomfortable divided into two (2 sections: personal details and customers’ e-banking preference in Sierra Leone. The instrument contained 36 items and was administered to about 400 respondents, while 360 completed and returned their Questionnaire. The statistical techniques used for the analysis were the Chi–Square and correlation. The Chi–Square analysis revealed that the quality of e–banking services offered by banks have significant influence on their customers at 95%, 3 degree of freedom. The paper recommends that various measures should be put in place to ensure more security such as installation of encrypted software, verification system of customer’s identification cards, frequent change of password, examining test questions and using mixed password such as the use of alphanumeric amongst others. The paper concludes that e –banking has become important phenomenon in

  1. Analyzing Banks' Opinions on the Loan Supply and Loan Demand Using Multi-Country Bank Lending Survey Data

    OpenAIRE

    Defne Mutluer Kurul

    2013-01-01

    In the aftermath of the financial crisis, understanding the lending behavior of banks has become more important than ever. In this context, bank lending surveys, which are regularly conducted by central banks, enable us to disentangle the drivers of loan supply and loan demand. This paper attempts to analyze the information content of lending surveys, by making advantage of the cross-sectional dimension of seventeen comparative country data. Statistical analyses support that in overall, banks...

  2. Effects of Electronic Media Advertising on Rural Banking in Ghana: A Study of Unity Rural Bank Limited, Ho Ghana

    OpenAIRE

    Israel Kofi Nyarko

    2013-01-01

    Advertising which uses electronic energy to transmit information to the end user is called electronic media advertising. It appears as TV, radio, internet. The objective of this study is to establish the contribution of electronic media advertising to rural banking in Ghana. Hitherto, studies have covered advertising rural banks; the outcome of this study will help reveal contributions of electronic media ads to rural banking. Questionnaires were administered to 350 rural bank customers in Ho...

  3. Bank Risk and the Declining Franchise Value of the Banking Systems in the United States and Japan

    OpenAIRE

    Howard Lee; Liliana Rojas-Suárez; Steven Riess Weisbrod

    1992-01-01

    This paper associates both the increase in risk taken by wholesale banks in the United States and the decline in earnings at wholesale banks in Japan with a reduction in the franchise value of wholesale banking. In contrast with the conventional view that relates the franchise value of banking to informational advantages over other lenders, this paper argues that banks’ franchise value originates in their provision of liquidity and payments services to their customers. Therefore, the decline ...

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

    OpenAIRE

    Kashmari A; Nejad AHG; Nayebyazdi A

    2016-01-01

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

  5. 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.

  6. 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...

  7. Blood Clots

    Science.gov (United States)

    ... Index A-Z Blood Clots Blood clots are semi-solid masses of blood that can be stationary (thrombosis) ... treated? What are blood clots? Blood clots are semi-solid masses of blood. Normally, blood flows freely through ...

  8. Innovation in Banking and Excessive Loan Growth

    OpenAIRE

    International Monetary Fund

    2008-01-01

    The volume of credit extended by a bank can be an informative signal of its abilities in loan selection and management. It is shown that, under asymmetric information, banks may therefore rationally lend more than they would otherwise in order to demonstrate their quality, thus negatively affecting financial system soundness. Small shifts in technology and uncertainty associated with new technology may lead to large jumps in equilibrium outcomes. Prudential measures and supervision are theref...

  9. Significant association between ABO blood group and pancreatic cancer

    Institute of Scientific and Technical Information of China (English)

    Julia; B; Greer; Mark; H; Yazer; Jay; S; Raval; M; Michael; Barmada; Randall; E; Brand; David; C; Whitcomb

    2010-01-01

    AIM:To evaluate whether the ABO blood group is related to pancreatic cancer risk in the general population of the United States.METHODS:Using the University of Pittsburgh's clinicalpancreatic cancer registry,the blood donor database from our local blood bank (Central Blood Bank),and the blood product recipient database from the regional transfusion service (Centralized Transfusion Service) in Pittsburgh,Pennsylvania,we identified 274 pancreatic cancer patients with previously determined serological ABO bloo...

  10. Genome resource banking of biomedically important laboratory animals.

    Science.gov (United States)

    Agca, Yuksel

    2012-11-01

    Genome resource banking is the systematic collection, storage, and redistribution of biomaterials in an organized, logistical, and secure manner. Genome cryobanks usually contain biomaterials and associated genomic information essential for progression of biomedicine, human health, and research. In that regard, appropriate genome cryobanks could provide essential biomaterials for both current and future research projects in the form of various cell types and tissues, including sperm, oocytes, embryos, embryonic or adult stem cells, induced pluripotent stem cells, and gonadal tissues. In addition to cryobanked germplasm, cryobanking of DNA, serum, blood products, and tissues from scientifically, economically, and ecologically important species has become a common practice. For revitalization of the whole organism, cryopreserved germplasm in conjunction with assisted reproductive technologies, offer a powerful approach for research model management, as well as assisting in animal production for agriculture, conservation, and human reproductive medicine. Recently, many developed and developing countries have allocated substantial resources to establish genome resources banks which are responsible for safeguarding scientifically, economically, and ecologically important wild type, mutant, and transgenic plants, fish, and local livestock breeds, as well as wildlife species. This review is dedicated to the memory of Dr. John K. Critser, who has made profound contributions to the science of cryobiology and establishment of genome research and resources centers for mice, rats, and swine. Emphasis will be given to application of genome resource banks to species with substantial contributions to the advancement of biomedicine and human health. PMID:22981880

  11. 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

  12. 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...

  13. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  14. Securitization and Bank Performance

    OpenAIRE

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

    2013-01-01

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

  15. The Shanxi Banks

    OpenAIRE

    Randall Morck; Fan Yang

    2010-01-01

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

  16. Early public banks

    OpenAIRE

    Roberds, William; Velde, François R.

    2014-01-01

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

  17. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  18. Boards of Banks

    OpenAIRE

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

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

  19. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  20. 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

  1. 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.

  2. 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

  3. Polymer bank notes

    OpenAIRE

    Brian Lang; John Barry

    1999-01-01

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

  4. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  5. More Localized Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  6. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  7. SysBank: A Knowledge Base for Systematic Reviews of Randomized Clinical Trials

    OpenAIRE

    Carini, Simona; Sim, Ida

    2003-01-01

    The Systematic Review Bank (SysBank) is a structured knowledge base that captures information about the design, execution, and results of systematic reviews of randomized controlled trials (RCTs). The SysBank data model has been adapted from RCT Bank, a knowledge base of randomized trials, and refined using three published systematic reviews. SysBank links directly to the RCT Bank entries of studies included in the systematic review. SysBank builds upon RCT Bank to support computer-assisted e...

  8. Bank Borrowing and Financing of Medium-sized Firms in Indonesia

    OpenAIRE

    Hamada, Miki

    2008-01-01

    The improvement of financial intermediation functions is crucial for a robust banking system. When lending, banks have to cope with such problems as information asymmetry and adverse selection. In order to mitigate these problems, banks have to product information and improve their techniques of lending. During the 1998 financial crisis, Indonesia's banking system suffered severe damage and revealed that the country's banking intermediation functions did not work well. This paper examines the...

  9. How does relationship banking influence credit financing? Evidence from the financial crisis

    OpenAIRE

    Hainz, Christa; Wiegand, Manuel

    2013-01-01

    During the financial crisis asymmetric information in credit markets became moresevere. Did relationship banking help firms to avoid impaired credit financing andwhich credit financing problems did relationship banking help to circumvent? We usesurvey data for 1,139 German firms to analyze how relationship banking works. Wefind that it lowers the probability of higher information requirements from banks. Itdoes not, however, help to avoid constrained availability of bank credit. If credit isg...

  10. Enhancing online banking transaction authentication by using tamper proof & cloud computing.

    OpenAIRE

    Elhag, Hatim

    2016-01-01

    The recent information technology development has vastly helped in accelerating and facilitating the banking services and operations in general. In spite of this accelerated development in the banking sector, the risk of invading electronic banking systems is evident. This is manifested in many harmful functions such as unauthorised money transfer, disclosure of client information, denial of online banking services as well as various threats linked with online banking at different lineages es...

  11. 考虑筹资成本内生性的商业银行信息披露策略研究%A Research on Information Disclosure Strategies of Commercial Banks Considering the Endogeneity of Financing Cost

    Institute of Scientific and Technical Information of China (English)

    王宗润; 江玲妍

    2016-01-01

    文章在考虑银行筹资成本内生性的条件下,以信息披露度作为传递信号构建信号博弈模型,研究了不完全信息条件下不同风险承担类型的银行对于信息披露度的选择问题。证明了合并均衡、分离均衡以及混合均衡解存在的条件。并用2006-2013年国内32家银行的面板数据分析证明了信息披露对商业银行风险承担的约束效应以及隐性存款保险制度对约束效应的影响。研究发现,只有隐性存款保险制度的赔付比例较低、监管机构对于高风险银行的处罚力度较大并且由高信息披露带来的竞争劣势成本较小时,高效率的分离均衡才会出现,此时低风险银行以较低成本获得投资、高风险银行被淘汰、信号传递有效、投资者的投资风险降低。%Considering the context of the endogeneity of commercial banks financing cost, this paper uses the degree of infor⁃mation disclosure as the transmission signal to commercial banks to build a signaling game model, and examines the problem of how banks that assume different kinds of risk choose the degree of information disclosure under the condition of incomplete information. We prove the conditions for the existence of pooling equilibrium, separating equilibrium, and mixed equilibrium. Furthermore, we offer an econometric test for the relationship between information disclosure and risk taking under the implic⁃it deposit insurance in China with a panel data of 32 commercial banks from 2006 to 2013. The study shows that an efficient separating equilibrium will appear only when the proportion of payouts of implicit deposit insurance systems is relatively low, the power of regulatory institutions to punish banks facing high degrees of risk is relatively high and the competitive cost disad⁃vantages caused by high degrees of information disclosure are relatively small. Under these same conditions, low-risk banks obtain investment at a relatively

  12. Satisfaction Mayhem in the Danish Banking Industry

    DEFF Research Database (Denmark)

    Grünbaum, Niels Nolsøe

    2015-01-01

    Larger Danish banks score lower on customer satisfaction than minor Danish banks. The purpose of this empirical qualitative study is to enlighten this satisfaction paradox. The findings revealed that different satisfactions models are in play. More specifically, the larger banks in Denmark have...... undergone a transformation from a physical realm to a virtual realm. Hence, the personal relationship between the customer and bank employee has also changed. The customer perception of this is rather problematic. More specifically, the changes have diminished customers possibilities to form satisfaction...... judgments. Moreover, the larger banks also loose valuable insights in what the customers value. Without this knowledge a string of strategic business decisions will not be made based on ideal information. The originality of this study is examining and emphasizing coherence in satisfaction models in a buyer...

  13. The ProCard mobile banking system

    Directory of Open Access Journals (Sweden)

    2007-01-01

    Full Text Available The mobile banking involves the use of some mobile telecommunication devices (such phones or PDAs - Personal Digital Assistants in order to complete, in a secure manner, banking transactions (like payments, transfers, account information and so on. It doesn't matter where the user is physically located. Also, the hour when the services are requested is not important anymore, because, thanks to the internet banking, the offices are virtually opened 24 hours per day. The ProCard system represents a suite of applications used to perform mobile banking. It was intended to be a universal solution that allows EFT, Internet and mobile banking in a single package. No special software or hardware is required

  14. An Investigation on Islamic Bank Selection Criteria in Malaysia

    Directory of Open Access Journals (Sweden)

    Asma’ Rashidah Idris,

    2011-06-01

    Full Text Available Islamic bank in Malaysia was established in 1983. The development of Islamic bank is increasingly challenging with the participation of more conventional banks offering banking products and services based on Islamic principles. Therefore, it is crucial for Islamic bank to better position themselves in order to undertake and respond aggressively to the heftiness of the dual banking environment. This paper analyzes the factors considered as important by academicians in public institutions of higher learning in selecting a particular bank. The study reveals that religious value appears to be the most important factor. Other factors perceived to be important include trustworthiness, product variety, service facility and service efficiency. The results will benefit bank management in view of the stipulated vital information on the selection criteria.

  15. 基于专利管理图的中国银行业专利信息分析%Analysis on Patent Information of Banking Industry in China Based on Patent Management Map

    Institute of Scientific and Technical Information of China (English)

    邱洪华

    2012-01-01

    Based on searching the patent information of banking industry in China,the pateny management maps of Chinese banking industry are demonstrated from the perspectives of annual trend, patent types, patent inventors and applicators as well as legal status of patent applications, which purport to know the status quo of patent protection for banking industry. It is suggested that, as to the domestic banks, the patent quality and innovative efficiency should be concerned, the effective management system and active encourage mechanism should be enforced; the legal status of patent technologies should be analyzed during the R&D activities.%为了了解中国银行业专利保护现状,论文在检索中国银行业专利信息的基础上,从专利类型、专利申请年度趋势、专利申请人、专利发明人和专利申请法律状态等角度去绘制中国银行业的专利管理图。研究认为,中国内资银行在不断增加专利申请数量的同时,也应当关注专利申请的质量和创新效率的提高,应当实施有效的发明人队伍管理制度和积极的创新激励措施,在研发过程中,应当全面分析现有专利技术的法律状态。

  16. Better borrowers, fewer banks?

    OpenAIRE

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

    2010-01-01

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

  17. Technical efficiency of blood component preparation in blood centres of 10 European countries

    OpenAIRE

    Veihola, Marketta

    2008-01-01

    Various reasons, such as ethical issues in maintaining blood resources, growing costs, and strict requirements for safe blood, have increased the pressure for efficient use of resources in blood banking. The competence of blood establishments can be characterized by their ability to predict the volume of blood collection to be able to provide cellular blood components in a timely manner as dictated by hospital demand. The stochastically varying clinical need for platelets (PLTs) sets a specif...

  18. The impact of bank ownership concentration on impaired loans and capital adequacy

    NARCIS (Netherlands)

    Shehzad, Choudhry Tanveer; de Haan, Jakob; Scholtens, Bert

    2010-01-01

    This paper examines the impact of bank ownership concentration on two indicators of bank riskiness, namely banks' non-performing loans and capital adequacy. Using balance sheet information for around 500 commercial banks from more than 50 countries averaged over 2005-2007, we find that concentrated

  19. A Study of Segment Reporting Practices: Empirical Evidence from Romania�s Banks

    OpenAIRE

    Mariana Vlad

    2016-01-01

    Banking and capital market liberalization has substantially increased the level of information required to achieve financial stability, while providing useful information, appropriate to participants and their transactions has become essential for maintaining orderly and efficient markets. This requires banks to provide appropriate and timely information that will satisfy the requirements of every user of the banking and financial information. Disclosure provided by banks has gradually improv...

  20. Extreme Spillover Between Shadow Banking and Regular Banking

    OpenAIRE

    Paraschiv, Florentina; Qin, Minzi

    2013-01-01

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

  1. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    OpenAIRE

    Mirela CIOCAN

    2014-01-01

    The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return ...

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

    OpenAIRE

    Cargill, Thomas F.

    2006-01-01

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

  3. 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...

  4. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  5. General Information about Liver (Hepatocellular) Cancer

    Science.gov (United States)

    ... This may lead to liver cancer. Blood banks test all donated blood for hepatitis B, which greatly lowers the risk of getting the ... This may lead to liver cancer. Blood banks test all donated blood for hepatitis C, which ... infected with hepatitis B. It is caused by hepatitis D virus (HDV) ...

  6. High Blood Pressure (Hypertension)

    Science.gov (United States)

    ... Radiation-Emitting Products Vaccines, Blood & Biologics Animal & Veterinary Cosmetics Tobacco Products For Consumers Home For Consumers Consumer Information by Audience For Women High Blood Pressure (Hypertension) Share Tweet Linkedin Pin ...

  7. Blood Clotting and Pregnancy

    Medline Plus

    Full Text Available ... San Diego, CA Abstracts Registration Housing Travel Information Government Concierge View all meetings Publications Blood Current Issue ... clot. Blood clots in pregnant women tend to form in the deep veins of the legs or ...

  8. Bank commercial loan fair value practices

    OpenAIRE

    John Tschirhart; James M. O'Brien; Michael Moise; Emily Yang

    2007-01-01

    Recent accounting changes, for the first time, permit the use of fair value in the primary financial statements for held-to-maturity (HTM) bank loans. While the use of fair value has historically attracted significant discussion and debate, there is little information in the public domain on how banks would measure fair value or use it in loan management. This study presents and analyzes results from in-depth discussions with seven large internationally-active banks on their fair value use an...

  9. Bank loans versus bond finance: implications for sovereign debtors

    OpenAIRE

    Misa Tanaka

    2005-01-01

    This paper develops a model to analyse the optimal choice between bank loans and bond finance for a sovereign debtor. We show that if banks have better information about their borrowers compared to bondholders, only the least risky sovereigns issue bonds. But if borrowers can be 'publicly monitored' by an outside agency that disseminates the information about their creditworthiness, their choice between bank loans and bond finance is determined endogenously by the trade-off between two deadwe...

  10. Risk Taking, Limited Liability and the Competition of Bank Regulators

    OpenAIRE

    Sinn, Hans-Werner

    2001-01-01

    Limited liability and asymmetric information between an investment bank and its lenders provide an incentive for a bank to undercapitalise and finance overly risky business projects. To counter this market failure, national governments have imposed solvency constraints on banks. However, these constraints may not survive in systems competition, as systems competition is likely to suffer from the same type of information asymmetry which induced the private market failure and which brought in t...

  11. CUSTOMER PERCEPTION OF ONLINE BANKING IN INDIA: PUNJAB

    OpenAIRE

    Singh, Zorawar

    2012-01-01

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

  12. Análise de eficiência dos Bancos Brasileiros: um enfoque nos investimentos realizados em Tecnologia de Informação (TI Measuring the efficiency of Brazilian Banks: assessing the value of Information Technology (IT investments

    Directory of Open Access Journals (Sweden)

    João Luiz Becker

    2003-01-01

    Full Text Available O setor bancário tem investido bilhões de dólares em Tecnologia de Informação (TI, sendo a concorrência e a rivalidade os principais fatores que têm justificado esta prática. Entretanto, ainda é tema de discussão no meio acadêmico se estes investimentos trazem benefícios reais às organizações.Neste estudo, avalia-se a eficiência de 74 bancos brasileiros, destacando-se os investimentos realizados em TI. O modelo proposto é baseado na técnica não-paramétrica Data Envelopment Analysis (DEA, que analisa a conversão dos investimentos realizados em TI (inputs em valores que possam trazer retornos (outputs para as organizações analisadas - apontando indicadores de sucesso e insucesso. Os resultados indicam que: (a os bancos que mais investem em TI apresentam melhores índices de eficiência; (b os bancos "Estrangeiros" e com capital "Privado Nacional e Participação Estrangeira" apresentam os melhores índices médios de eficiência global; e (c nenhum banco "Público Estadual" é classificado como eficiente.Banking sector has spent billions of dollars in Information Technology (IT. Competition and rivalry have been considered the main reasons to justify them. However, whether the investments done in IT actually bring real benefits to the organizations is still a matter of debate in the academy. This study evaluates the efficiency of 74 Brazilian banks, regarding their investments on IT. The proposed model is based on the non-parametric technique of Data Envelopment Analysis (DEA, which analyze the conversion of the IT investments (inputs to specific outcomes (outputs - pointing out both successful and unsuccessful indicators. We found that (a banks which most invested in IT show better efficiency rates; (b banks classified by capital as "Private and National with foreign share" and "Foreign" show the highest efficiency rates in the global stage; and (c No "State Public" bank is classified as efficient.

  13. Research and Development of Information and Communication Technology-based Home Blood Pressure Monitoring from Morning to Nocturnal Hypertension.

    Science.gov (United States)

    Kario, Kazuomi; Tomitani, Naoko; Matsumoto, Yuri; Hamasaki, Haruna; Okawara, Yukie; Kondo, Maiko; Nozue, Ryoko; Yamagata, Hiromi; Okura, Ayako; Hoshide, Satoshi

    2016-01-01

    Asians have specific characteristics of hypertension (HTN) and its relationship with cardiovascular disease. The morning surge in blood pressure (BP) in Asians is more extended, and the association slope between higher BP and the risk for cardiovascular events is steeper in this population than in whites. Thus, 24-hour BP control including at night and in the morning is especially important for Asian patients with HTN. There are 3 components of "perfect 24-hour BP control": the 24-hour BP level, adequate dipping of nocturnal BP (dipper type), and adequate BP variability such as the morning BP surge. The morning BP-guided approach using home BP monitoring (HBPM) is the first step toward perfect 24-hour BP control. After controlling morning HTN, nocturnal HTN is the second target. We have been developing HBPM that can measure nocturnal BP. First, we developed a semiautomatic HBPM device with the function of automatic fixed-interval BP measurement during sleep. In the J-HOP (Japan Morning Surge Home Blood Pressure) study, the largest nationwide home BP cohort, we successfully measured nocturnal home BP using this device with data memory, 3 times during sleep (2, 3, and 4 am), and found that nocturnal home BP is significantly correlated with organ damage independently of office and morning BP values. The second advance was the development of trigger nocturnal BP (TNP) monitoring with an added trigger function that initiates BP measurements when oxygen desaturation falls below a variable threshold continuously monitored by pulse oximetry. TNP can detect the specific nocturnal BP surges triggered by hypoxic episodes in patients with sleep apnea syndrome. We also added the lowest heart rate-trigger function to TNP to detect the "basal nocturnal BP," which is determined by the circulating volume and structural cardiovascular system without any increase in sympathetic tonus. This double TNP is a novel concept for evaluating the pathogenic pressor mechanism of nocturnal BP

  14. An Evaluation of Bank Customer Satisfaction in Pakistan, Comparing Foreign and Islamic Banks

    Directory of Open Access Journals (Sweden)

    Haroon Rasheed

    2012-07-01

    Full Text Available Banks play the most important role in economic and financial system of any country by performing their core function of intermediation. Pakistani banking industry witnessed a no. of drastic changes since its inception after the establishment of country. The major historical developments include commercial bank establishment, nationalization, liberalization and privatization and privatization of banks. The most recent advances in this regard are start of Islamic banking system and introduction of foreign banks and use of modern Information Technology methods and tools. All these developments have resulted in focus of banking organizations turned towards Customer Satisfaction due to increased competition in the industry to increase and retain the number of customers. This study presents a comparative study of customer satisfaction taking foreign banks and Islamic banks as case. With the help of statistical methods like arithmetic mean calculation, Correlation, a positive relationship between customer satisfaction and factors has been found. The study results propose more emphasis on quality of customer service and product assortment and innovation to increase the level of customer satisfaction.

  15. Stress Testing of the Montenegrin Banking System with Aggregated and Bank-Specific Data

    Directory of Open Access Journals (Sweden)

    Vuković Sanja

    2014-05-01

    Full Text Available There are many different approaches to the process of stress testing and two of them will be investigated in this paper. The first one is a stress test performed on aggregated data i.e. the banking system as a whole. The variable of interest in both exercises is the Loan Loss Provision ratio (hereinafter: the LLP. The main goal of the thesis is to find an answer to the following question: what are the macroeconomic variables that influence LLP the most and how will LLP, as a variable of interest, behave in a situation when all these variables were to experience negative performance at the same time? The resilience of the banking system to such scenario will be tested through the capital adequacy ratio. In order to find out more about the management practices of banks, microlevel data on banks were also used in the analysis. The focus was to see which of the variables are able to explain the LLP ratio for each bank individually and how is this information helpful for possible improvements in the banking sector. The relations between these variables will be able to explain some of the banks’ losses and some of the banks’ practices regarding credit activities. The analysis there will provide for some recommendations for the banks but also for the Central Bank and its way to influence the practices in the banking sector.

  16. Business Continuity Management in Banks

    OpenAIRE

    Sunil Rai; Lakshmi Mohan

    2006-01-01

    Advances in the banking sector have ushered in an era of multi-productand multi-services being delivered using multiple yet integratedchannels. The use of information and communication technology (ICT) ison the increase and encompasses nearly the entire gamut of bankingoperations. Rising competition and customer expectations havecompelled top management to implement, and continuously upgrade, agileand scalable ICT practices and solutions. The enormity and range ofbanking services combined wit...

  17. 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...

  18. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  19. Customer Experience in Banking Industry

    OpenAIRE

    Michálková, Anna

    2015-01-01

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

  20. CONSUMER APPRAISAL OF THE IMPLEMENTATION OF ELECTRONIC BANKING SYSTEM IN NIGERIA

    Directory of Open Access Journals (Sweden)

    UDE SYLVIA

    2012-04-01

    Full Text Available This paper tries to find out consumer perception on service delivery in banks since the implementation of electronic banking. It also brings out the problems of electronic banking in Nigeria. Three research objectives guided the study and primary data were collected through interviews and questionnaires. Data were analysed descriptively. Results show that though many banks have adopted information technology (IT facilities for electronic banking yet their service delivery were not quite efficient. This resulted in long consumer queues in banks and difficulties in banking transactions. Some problems with e banking center on unreliable facilities required for e banking, epileptic power supplies, incompetent IT staff etc. Some of the recommendations centre on improvements in the area of banking staff and internet facilities so that the laudable objectives of e banking will be realized in the Nigerian society.