WorldWideScience

Sample records for book load bank

  1. Book vs. fair value accounting in banking and intertemporal smoothing

    OpenAIRE

    Freixas, Xavier; Tsomocos, Dimitrios P.

    2004-01-01

    The aim of this paper is to examine the pros and cons of book and fair value accounting from the perspective of the theory of banking. We consider the implications of the two accounting methods in an overlapping generations environment. As observed by Allen and Gale(1997), in an overlapping generation model, banks have a role as intergenerational connectors as they allow for intertemporal smoothing. Our main result is that when dividends depend on profits, book value ex ante dominates fair va...

  2. Assessing and Reducing Miscellaneous Electric Loads (MELs) in Banks

    Energy Technology Data Exchange (ETDEWEB)

    Rauch, Emily M.

    2012-09-01

    Miscellaneous electric loads (MELs) are loads outside of a building's core functions of heating, ventilating, air conditioning, lighting, and water heating. MELs are a large percentage of total building energy loads. This report reviews methods for reducing MELs in Banks. Reducing MELs in a bank setting requires both local and corporate action. Corporate action centers on activities to prioritize and allocate the right resources to correct procurement and central control issues. Local action includes branch assessment or audits to identify specific loads and needs. The worksheet at the end of this guide can help with cataloging needed information and estimating savings potential. The following steps provide a guide to MEL reductions in Bank Branches. The general process has been adapted from a process developed for office buildings the National Renewable Energy Laboratory (NREL, 2011).

  3. The LG-bank control concept: An improved method for PWR load-following operation

    International Nuclear Information System (INIS)

    Park, Won Seok; Christenson, J.M.

    1990-01-01

    In this paper the authors present the results of an investigation of a new pressurized water reactor load-following control concept that utilizes light gray (LG) banks in combination with a single high-worth bank. The investigation determined a control strategy and a set of nuclear design parameters for the control banks that permits unrestricted load-following operation over a wide power range at both beginning-of-cycle and end-of-cycle conditions. Advantages of the LG-bank control concept are that flexible load-following maneuvers can be performed without either making changes in the boron concentration or requiring the continuous insertion of a high-worth control bank. These features remove both of the disadvantages of current gray-bank load-following designs, which generally require the continuous insertion of a high-worth bank and in some cases also involve changes in the boron concentration

  4. 1998 Pacific Northwest Loads and Resources Study: The White Book

    International Nuclear Information System (INIS)

    1998-01-01

    The Pacific Northwest Loads and Resources Study (White Book) is published annually by BPA and establishes the planning basis for supplying electricity to customers. It serves a dual purpose. First, the White Book presents projections of regional and Federal system load and resource capabilities, along with relevant definitions and explanations. Second, the White Book serves as a benchmark for annual BPA determinations made pursuant to the 1981 regional power sales contracts. Specifically, BPA uses the information in the White Book for determining the notice required when customers request to increase or decrease the amount of power purchased from BPA. The White Book compiles information obtained from several formalized resource planning reports and data submittals, including those from the Northwest Power Planning Council (Council) and the Pacific Northwest Utilities Conference Committee (PNUCC). The White Book is not an operational planning guide, nor is it used for inventory planning to determine BPA revenues. Operation of the Federal Columbia River Power System (FCRPS) is based on a set of criteria different from that used for resource planning decisions. Operational planning is dependent upon real-time or near-term knowledge of system conditions, including expectations of river flows and runoff, market opportunities, availability of reservoir storage, energy exchanges, and other factors affecting the dynamics of operating a power system. The 1998 White Book is presented in two documents: (1) this summary of Federal system and Pacific Northwest region loads and resources; and (2) a technical appendix detailing the loads and resources for each major Pacific Northwest generating utility. This analysis updates the December 1997 Pacific Northwest Loads and Resources Study

  5. 1998 Pacific Northwest Loads and Resources Study: The White Book.

    Energy Technology Data Exchange (ETDEWEB)

    United States. Bonneville Power Administration.

    1998-12-01

    The Pacific Northwest Loads and Resources Study (White Book) is published annually by BPA and establishes the planning basis for supplying electricity to customers. It serves a dual purpose. First, the White Book presents projections of regional and Federal system load and resource capabilities, along with relevant definitions and explanations. Second, the White Book serves as a benchmark for annual BPA determinations made pursuant to the 1981 regional power sales contracts. Specifically, BPA uses the information in the White Book for determining the notice required when customers request to increase or decrease the amount of power purchased from BPA. The White Book compiles information obtained from several formalized resource planning reports and data submittals, including those from the Northwest Power Planning Council (Council) and the Pacific Northwest Utilities Conference Committee (PNUCC). The White Book is not an operational planning guide, nor is it used for inventory planning to determine BPA revenues. Operation of the Federal Columbia River Power System (FCRPS) is based on a set of criteria different from that used for resource planning decisions. Operational planning is dependent upon real-time or near-term knowledge of system conditions, including expectations of river flows and runoff, market opportunities, availability of reservoir storage, energy exchanges, and other factors affecting the dynamics of operating a power system. The 1998 White Book is presented in two documents: (1) this summary of Federal system and Pacific Northwest region loads and resources; and (2) a technical appendix detailing the loads and resources for each major Pacific Northwest generating utility. This analysis updates the December 1997 Pacific Northwest Loads and Resources Study.

  6. Book review: Unholy trinity: The IMF, World Bank and WTO Richard Peet

    Directory of Open Access Journals (Sweden)

    M Breitenbach

    2014-05-01

    Full Text Available In this timely book Richard Peet and his team lay the foundation with an excellent analysis of the process of globalisation and the resultant emergence of the global economy. The authors are especially critical of the increasing influence of institutions like the International Monetary Fund (IMF, World Bank and World Trade Organisation (WTO on the economy and the consequences experienced by peoples, cultures and the environment. The single ideology of neo-liberalism is blamed for the undesirable outcomes. This book considers concepts of power, political interest, hegemony, discourse, responsibility and the power of practicality, in critically examining the IMF, World Bank and WTO. The conclusion is reached that “all three institutions play roles greatly different from those originally agreed to under the charters that set them up”.

  7. Banking and back-loading emission permits

    International Nuclear Information System (INIS)

    Chaton, Corinne; Creti, Anna; Peluchon, Benoît

    2015-01-01

    In this article we focus on the so-called back-loading policy adopted by the European Commission to increase the carbon market price. This environmental measure consists of removing a share of the allowances allocated for a given period in order to reallocate some or all of them later on. To analyze the impact of the permits back-loading, we determine the CO 2 price equilibrium with and without the policy measure, considering not only the market for permits but also the output market of regulated sectors. We propose a two-period model, where the market for permits is perfectly competitive, and the output market can be either competitive or oligopolistic. First, we define the condition under which banking from one period to another is optimal. This condition, that is the absence of arbitrage opportunities (AOA), depends not only from the period initial allocation but also on production market fundamentals. When this condition is satisfied, the market for emission is shown intertemporally efficient. Second, we point out that the back-loading measure may create inefficiencies or leave unaffected the permits price, if it alters the AOA. -- Highlights: •Relationship between the market for permits and the output market of regulated sectors. •Analysis of CO 2 prices and banking. •Impact of a recent environmental policy measure (backloading) on CO 2 prices

  8. New Book Recounts Exciting, Colorful History Of Radio Astronomy in Green Bank, West Virginia

    Science.gov (United States)

    2007-07-01

    A new book published by the National Radio Astronomy Observatory (NRAO) tells the story of the founding and early years of the Observatory at Green Bank, West Virginia. But it was Fun: the first forty years of radio astronomy at Green Bank, is not a formal history, but rather a scrapbook of early memos, recollections, anecdotes and reports. But it was Fun... is liberally illustrated with archival photographs. It includes historical and scientific papers from symposia held in 1987 and 1995 to celebrate the birthdays of two of the radio telescopes at the Observatory. Book cover The National Radio Astronomy Observatory was formed in 1956 after the National Science Foundation decided to establish an observatory in the eastern United States for the study of faint radio signals from distant objects in the Universe. But it was Fun... reprints early memos from the group of scientists who searched the mountains for a suitable site -- an area free from radio transmitters and other sources of radio interference -- "in a valley surrounded by as many ranges of high mountains in as many directions as possible," which was "at least 50 miles distant from any city or other concentration of people." The committee settled on Green Bank, a small village in West Virginia, and the book documents the struggles that followed to create a world-class scientific facility in an isolated area more accustomed to cows than computers. Groundbreaking at the Observatory, then a patchwork of farms and fields, took place in October 1957, only a few days after the launch of Sputnik by the Soviet Union. A year later, Green Bank's first telescope was dedicated, and the book contains a transcription of speeches given at that ceremony, when the Cold War, the space race and America's scientific stature were issues of the hour. The centerpiece of the new Observatory was to be a highly-precise radio telescope 140 feet in diameter, but it was expected that it would soon be surpassed by dishes of much greater

  9. 2012 White Book, Pacific Northwest Loads and Resources Study

    Energy Technology Data Exchange (ETDEWEB)

    None

    2013-06-06

    The White Book is a planning analysis produced by BPA that informs BPA of its load and resource conditions for sales and purchases. The White Book provides a 10-year look at the expected obligations and resources in the Federal system and PNW region. The White Book is used as a planning tool for the Columbia River Treaty (Treaty) studies, as an information tool for customers and regional interests, and as a publication of information utilized by other planning entities for their analyses. The White Book is not used to guide day-to-day operations of the Federal Columbia River Power System (FCRPS) or determine BPA revenues or rates.

  10. Biological Science: An Ecological Approach. BSCS Green Version. Teacher's Resource Book and Test Item Bank. Sixth Edition.

    Science.gov (United States)

    Biological Sciences Curriculum Study, Colorado Springs.

    This book consists of four sections: (1) "Supplemental Materials"; (2) "Supplemental Investigations"; (3) "Test Item Bank"; and (4) "Blackline Masters." The first section provides additional background material related to selected chapters and investigations in the student book. Included are a periodic table of the elements, genetics problems and…

  11. « Russell Banks goes Creole » : A Talk with the Author of The Book of Jamaica and Continental Drift

    Directory of Open Access Journals (Sweden)

    Kathleen Gyssels et Gaëlle Cooreman

    2008-05-01

    Full Text Available Cette interview avec Russell Banks, auteur consacré de notamment The Book of Jamaica (1980 et Continental Drift (1985, tous deux traduits en français chez Actes Sud, a été menée le 27 mai 2007 par Kathleen Gyssels et Gaëlle Cooreman (Université d’Anvers. Elles interrogent Banks sur son idée du Great American Novel, son engagement vis-à-vis de la diaspora africaine et ses romans « caribéens », The Book of Jamaica et Continental Drift.This interview with Russell Banks, acknowledged author of The Book of Jamaica (1980 and Continental Drift (1985, amongst others, was conducted on May 27th 2007 by Kathleen Gyssels and Gaëlle Cooreman (University of Antwerp. The main topics included are Banks’ idea of the Great American Novel, his involvement with the African diaspora and his « Caribbean » novels The Book of Jamaica and Continental Drift.

  12. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

    markdownabstract__Abstract__ What exactly are the rules banks are subject to, and are they fit for purpose? These are the two questions addressed in this book ‘Are EU banks safe?’ and its descriptive companion book ‘EU banking supervision’. The full rulebook on banks is difficult to find

  13. Free Books: Loading Brief MARC Records for Open-Access Books in an Academic Library Online Catalog

    OpenAIRE

    Beall, Jeffrey

    2009-01-01

    Mbooks are open-access, digitized books freely available on the Internet. This article describes the Auraria Library's experience of loading brief MARC records for Mbooks into its online public access catalog and looks at some of the issues that arose from the record-loading project. Despite the low quality of the records, librarians in Auraria Library thought that loading them into the catalog was advantageous because of the rich content in the collection, and because many of the records cou...

  14. The influence of capacitor banks on transformer load current

    Directory of Open Access Journals (Sweden)

    Jović Aleksandar S.

    2017-01-01

    Full Text Available This paper deals with the influence of capacitor banks used for reactive energy compensation on total load current of 10/0,4 kV/kV distribution transformers. The analysis regards distribution area of Leskovac which comprehends town Leskovac and nearby settlements. Differently from previously published references that treat excessively reactive energy consumption, the value of reactive power on low voltage side of transformer taking into account the presence of capacitor banks is observed primarily in this paper. Both theoretically possible cases are restated on the basis of measurements: the compensation is adequate or inadequate. The cases of insufficient compensation and overcompensation are regarded to be inadequate compensation. The adequate compensation is achieved when reactive power oscillates around 0 kvar. The special case of adequate compensation, called conditionally adequate compensation, is introduced. For all four cases that describe reactive energy compensation, the calculation results of relative change of low voltage transformer current in the presence of capacitor banks, in comparison to the current without installed banks are presented.

  15. A Text Book of Research Papers On 4G & 5G Technologies and its Applications on Online Learning and Banking

    OpenAIRE

    Krishna Prasad K

    2018-01-01

    This book contains research articles related to Mobile Wireless Communication Technologies 4G and 5G Technologies. This book also contains applications of 4G and 5G Technologies in Online Banking and Online Learning. These papers published already in peer-reviewed International Journals. This Book has written with an intention to get all papers together under one roof, which will benefit all the researchers of related areas.

  16. Teaching with Children's Books--Bi the Book

    Science.gov (United States)

    Von Drasek, Lisa

    2005-01-01

    In this article, the author presents the bilingual books suggested by Pistu Downey, a bilingual teacher that teaches Spanish to kids ages three to six at the Bank Street College School for Children. Downey claims that reading bilingual books--books that contain words in languages other than English--gives children a very good opportunity of…

  17. 12 CFR 552.11 - Books and records.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Books and records. 552.11 Section 552.11 Banks...-INCORPORATION, ORGANIZATION, AND CONVERSION § 552.11 Books and records. (a) Each Federal stock association shall keep correct and complete books and records of account; shall keep minutes of the proceedings of its...

  18. 12 CFR 914.3 - Access to books and records.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Access to books and records. 914.3 Section 914... BANKS DATA AVAILABILITY AND REPORTING § 914.3 Access to books and records. Each Bank shall make its books and records readily available for inspection and other supervisory purposes within a reasonable...

  19. Better Bankers Book Symposium

    DEFF Research Database (Denmark)

    Ringe, Georg

    2016-01-01

    Book review of: "Better Bankers, Better Banks: Promoting Good Business Through Contractual Commitment" by: Claire A Hill and Richard W. Painter (University of Chicago Press, 2015).......Book review of: "Better Bankers, Better Banks: Promoting Good Business Through Contractual Commitment" by: Claire A Hill and Richard W. Painter (University of Chicago Press, 2015)....

  20. 12 CFR 995.10 - Review of books and records.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Review of books and records. 995.10 Section 995.10 Banks and Banking FEDERAL HOUSING FINANCE BOARD NON-BANK SYSTEM ENTITIES FINANCING CORPORATION OPERATIONS § 995.10 Review of books and records. The Finance Board shall examine the Financing Corporation at...

  1. 12 CFR 995.4 - Book-entry procedure for Financing Corporation obligations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Book-entry procedure for Financing Corporation... FINANCING CORPORATION OPERATIONS § 995.4 Book-entry procedure for Financing Corporation obligations. (a) Authority. Any Federal Reserve Bank shall have authority to apply book-entry procedure to Financing...

  2. Relevansi Nilai Selisih Loans Book Value dan Loans Fair Value, Book Value Per Share, Earnings Per Share dan Ukuran Perusahaan

    Directory of Open Access Journals (Sweden)

    Dina Bakti Pertiwi

    2015-01-01

    Full Text Available One of the impacts of IFRS convergence is the tendency to leave historical cost to the fair value primarily for financial instruments, one of which is bank loans. Therefore, the benefit of the use of historical cost and fair value needs to be examined. This study aims to evaluate the relationship of the difference between loan book value and fair value, book value per share, earnings per share and the company size to the stock price of banks that use accounting standard that has been converged to IFRS. The samples used are banks listed in Indonesia Stock Exchange during the period of 2010-2013. The relationship between the difference loans book value and fair value, book value per share, earnings per share and the size with the stock price were analyzed using multiple linear regression. The results of this study indicate that the difference between loans book value and fair value, book value per share, earnings per share and the size can be used to predict the stock price of bank. Thus, the difference between loan book value and fair value of financial instruments have a relevant value.

  3. 12 CFR 1806.304 - Books of account, records and government access.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Books of account, records and government access..., DEPARTMENT OF THE TREASURY BANK ENTERPRISE AWARD PROGRAM Terms and Conditions of Assistance § 1806.304 Books... to the Awardee's offices and facilities, and all books, documents, records, and financial statements...

  4. 12 CFR 987.7 - Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks.

    Science.gov (United States)

    2010-01-01

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

  5. 12 CFR 615.5451 - Book-entry and definitive securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry and definitive securities. 615.5451... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Book-Entry Procedures for Farm Credit Securities § 615.5451 Book-entry and definitive securities. Subject to subpart C of this part: (a) Farm...

  6. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...

  7. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

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

  8. Minimization of Impact from Electric Vehicle Supply Equipment to the Electric Grid Using a Dynamically Controlled Battery Bank for Peak Load Shaving

    Energy Technology Data Exchange (ETDEWEB)

    Castello, Charles C [ORNL

    2013-01-01

    This research presents a comparison of two control systems for peak load shaving using local solar power generation (i.e., photovoltaic array) and local energy storage (i.e., battery bank). The purpose is to minimize load demand of electric vehicle supply equipment (EVSE) on the electric grid. A static and dynamic control system is compared to decrease demand from EVSE. Static control of the battery bank is based on charging and discharging to the electric grid at fixed times. Dynamic control, with 15-minute resolution, forecasts EVSE load based on data analysis of collected data. In the proposed dynamic control system, the sigmoid function is used to shave peak loads while limiting scenarios that can quickly drain the battery bank. These control systems are applied to Oak Ridge National Laboratory s (ORNL) solar-assisted electric vehicle (EV) charging stations. This installation is composed of three independently grid-tied sub-systems: (1) 25 EVSE; (2) 47 kW photovoltaic (PV) array; and (3) 60 kWh battery bank. The dynamic control system achieved the greatest peak load shaving, up to 34% on a cloudy day and 38% on a sunny day. The static control system was not ideal; peak load shaving was 14.6% on a cloudy day and 12.7% on a sunny day. Simulations based on ORNL data shows solar-assisted EV charging stations combined with the proposed dynamic battery control system can negate up to 89% of EVSE load demand on sunny days.

  9. 76 FR 18366 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2011-04-04

    ... attachment for Book-entry consolidated obligations. 1270.19 Reference to certain Department of Treasury... authorized Federal Home Loan Bank (Bank) liabilities and book-entry procedures for COs, as new part 1270 of... Agency and Recent Legislation Effective July 30, 2008, the Housing and Economic Recovery Act of 2008...

  10. Iris image recognition wavelet filter-banks based iris feature extraction schemes

    CERN Document Server

    Rahulkar, Amol D

    2014-01-01

    This book provides the new results in wavelet filter banks based feature extraction, and the classifier in the field of iris image recognition. It provides the broad treatment on the design of separable, non-separable wavelets filter banks, and the classifier. The design techniques presented in the book are applied on iris image analysis for person authentication. This book also brings together the three strands of research (wavelets, iris image analysis, and classifier). It compares the performance of the presented techniques with state-of-the-art available schemes. This book contains the compilation of basic material on the design of wavelets that avoids reading many different books. Therefore, it provide an easier path for the new-comers, researchers to master the contents. In addition, the designed filter banks and classifier can also be effectively used than existing filter-banks in many signal processing applications like pattern classification, data-compression, watermarking, denoising etc.  that will...

  11. Enhanced sediment loading facilitates point bar growth and accelerates bank erosion along a modelled meander bend on the Sacramento River, USA

    Science.gov (United States)

    Ahmed, J.; Constantine, J. A.; Hales, T. C.

    2017-12-01

    Meandering channels provide a conduit through which sediment and water is routed from the uplands to the sea. Alluvial material is periodically stored and transported through the channel network as permitted by the prevailing hydrologic conditions. The lowlands are typically characterised by accumulations of sediment attached to the inner banks of meander bends (point bars). These bedforms have been identified as important for facilitating a link between in-stream sediment supplies and channel dynamism. A 2D curvilinear hydrodynamic model (MIKE 21C) was used to perform a number of experiments in which the sediment load was adjusted to investigate how changes in alluvial material fluxes affect the development of point bars and the resultant patterns of bank erosion. A doubling of the sediment load caused a longitudinal increase in the bar in the upstream direction and caused a coeval doubling of the transverse channel slope at the meander apex. The upstream growth of the point bar was accompanied by an increase in length over which lateral migration took place at the outer bank. The magnitude of outer bank erosion was 9-times greater for the high-sediment simulation. These results suggest that enhanced sediment loads (potentially the result of changes in land use or climate) can trigger greater rates of bank erosion and channel change through the sequestration of alluvial material on point bars, which encourage high-velocity fluid deflection towards the outer bank of the meander. This controls riparian habitat development and exchanges of sediment and nutrients across the channel-floodplain interface.

  12. 12 CFR 701.3 - Member inspection of credit union books, records, and minutes.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Member inspection of credit union books... inspection of credit union books, records, and minutes. (a) Member inspection rights. A group of members of a...) Accounting books and records; and (2) Minutes of the proceedings of the credit union's members, board of...

  13. Test bank for college algebra

    CERN Document Server

    Kolman, Bernard; Levitan, Michael L

    1985-01-01

    Test Bank for College Algebra, Second Edition is a supplementary material for the text, College Algebra, Second Edition. The book is intended for use by mathematics teachers.The book contains standard tests for each chapter in the textbook. Each set of test aims to evaluate the level of understanding the student has achieved during the course. The answers for each chapter test and the final exam are found at the end of the book.Mathematics teachers teaching college algebra will find the book very useful.

  14. SEED BANKS FOR MAGNETIC FLUX COMPRESSION GENERATORS

    Energy Technology Data Exchange (ETDEWEB)

    Fulkerson, E S

    2008-05-14

    In recent years the Lawrence Livermore National Laboratory (LLNL) has been conducting experiments that require pulsed high currents to be delivered into inductive loads. The loads fall into two categories (1) pulsed high field magnets and (2) the input stage of Magnetic Flux Compression Generators (MFCG). Three capacitor banks of increasing energy storage and controls sophistication have been designed and constructed to drive these loads. One bank was developed for the magnet driving application (20kV {approx} 30kJ maximum stored energy.) Two banks where constructed as MFCG seed banks (12kV {approx} 43kJ and 26kV {approx} 450kJ). This paper will describe the design of each bank including switching, controls, circuit protection and safety.

  15. Out of the zenith Jodrell Bank : 1957-1970

    CERN Document Server

    Lovell, Bernard

    1973-01-01

    In an earlier book, The Story of Jodrell Bank (1986), Sir Bernard Lovell vividly described the construction of the famous radio telescope and the serious political and financial problems he faced while it was being built. In the present book he deals with the main aspects of the scientific work carried out at Jodrell Bank between 1957, when the telescope came into operation, and 1970, when it was temporarily withdrawn from service for modification and improvement.

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

    CERN Document Server

    Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

    2016-01-01

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

  17. Test bank for precalculus functions & graphs

    CERN Document Server

    Kolman, Bernard; Levitan, Michael L

    1984-01-01

    Test Bank for Precalculus: Functions & Graphs is a supplementary material for the text, Precalculus: Functions & Graphs. The book is intended for use by mathematics teachers.The book contains standard tests for each chapter in the textbook. Each set of test focuses on gauging the level of knowledge the student has achieved during the course. The answers for each chapter test and the final exam are found at the end of the book.Mathematics teachers teaching calculus will find the book extremely useful.

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

    Science.gov (United States)

    Eisenmann, J.

    2012-04-01

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

  19. Automatic Power Factor Correction Using Capacitive Bank

    OpenAIRE

    Mr.Anant Kumar Tiwari,; Mrs. Durga Sharma

    2014-01-01

    The power factor correction of electrical loads is a problem common to all industrial companies. Earlier the power factor correction was done by adjusting the capacitive bank manually [1]. The automated power factor corrector (APFC) using capacitive load bank is helpful in providing the power factor correction. Proposed automated project involves measuring the power factor value from the load using microcontroller. The design of this auto-adjustable power factor correction is ...

  20. 40 CFR 92.106 - Equipment for loading the engine.

    Science.gov (United States)

    2010-07-01

    ...: electrical resistance load bank; fans or other means for cooling of the load bank; wattmeter, including phase... electrical shunt and voltmeter is allowed for current measurement); meter(s) to measure the voltage across... locomotives are equipped with an internal electrical resistance load bank and fans for cooling of the load...

  1. 12 CFR 1511.6 - Authority of Federal Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... Funding Corporation Securities offered and sold by the Funding Corporation, in accordance with the Securities Documentation, and Federal Reserve Bank Operating Circulars; to service and maintain Book-entry..., Security Entitlements, and the operation of the Book-Entry System under this Part. ...

  2. 31 CFR 354.6 - Authority of Federal Reserve Banks.

    Science.gov (United States)

    2010-07-01

    ... accordance with the Securities Documentation, and Federal Reserve Bank Operating Circulars; to service and..., Security Entitlements, and the operation of the Book-entry System under this part. ... SECURITIES OF THE STUDENT LOAN MARKETING ASSOCIATION (SALLIE MAE) § 354.6 Authority of Federal Reserve Banks...

  3. Investigating different factors influencing on return of private banks

    Directory of Open Access Journals (Sweden)

    Pegah Motamedi

    2013-09-01

    Full Text Available Return of Investment has always been an interesting area of research among academics as well as investors. Although capital asset pricing model (CAPM is capable of estimating risk of investment, many people argue that CAPM is not able to predict long-term return, properly. This paper presents an empirical investigation to find the effects of different financial figures including systematic risk (Beta, size of firm, ratio of book value to market share, volume of trade and the ratio of price/earnings (P/E on return of private banks in Iran. The study gathers the necessary information over the period 2005-2011 from private banks in Iran. The study uses multiple regression technique to find the effects of mentioned variables on return of private banks. The results indicate that there are some meaningful and positive relationship between return of banks and systematic risk (Beta, size, volume of trade and P/E. The study also finds some meaningful and reverse relationship between bank return and book value on market value.

  4. NCBI Bookshelf: books and documents in life sciences and health care.

    Science.gov (United States)

    Hoeppner, Marilu A

    2013-01-01

    Bookshelf (http://www.ncbi.nlm.nih.gov/books/) is a full-text electronic literature resource of books and documents in life sciences and health care at the National Center for Biotechnology Information (NCBI). Created in 1999 with a single book as an encyclopedic reference for resources such as PubMed and GenBank, it has grown to its current size of >1300 titles. Unlike other NCBI databases, such as GenBank and Gene, which have a strict data structure, books come in all forms; they are diverse in publication types, formats, sizes and authoring models. The Bookshelf data format is XML tagged in the NCBI Book DTD (Document Type Definition), modeled after the National Library of Medicine journal article DTDs. The book DTD has been used for systematically tagging the diverse data formats of books, a move that has set the foundation for the growth of this resource. Books at NCBI followed the route of journal articles in the PubMed Central project, using the PubMed Central architectural framework, workflows and processes. Through integration with other NCBI molecular databases, books at NCBI can be used to provide reference information for biological data and facilitate its discovery. This article describes Bookshelf at NCBI: its growth, data handling and retrieval and integration with molecular databases.

  5. Carrying the (paper) burden: A portfolio view of systemic risk and optimal bank size

    NARCIS (Netherlands)

    Bos, J.W.B.; Lamers, M.; Purice, V.

    2014-01-01

    We examine the relationship between bank size and financial stability by viewing the supervisor of a banking system as an ‘investor’ holding a portfolio of banks. Based on this view, we investigate the role of large banks in determining the systemic risk in this portfolio. Our results, based on book

  6. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  7. Good Quality - the Routinization of Sperm Banking in China

    DEFF Research Database (Denmark)

    Wahlberg, Ayo

    Good Quality is an assemblage ethnography of how sperm banking came to be routinized in China. Based on 8 years of episodic fieldwork at China’s oldest and largest sperm bank in Changsha, Hunan province, the book meticulously chronicles how, beginning in the early 1980s, a unique style of sperm b...

  8. 12 CFR 987.5 - Obligations of the Banks and the Office of Finance; no Adverse Claims.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Obligations of the Banks and the Office of Finance; no Adverse Claims. 987.5 Section 987.5 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.5 Obligations of the Banks and the Office of Finance; no Adverse Claims. (a) Except...

  9. Test bank to accompany Computers data and processing

    CERN Document Server

    Deitel, Harvey M

    1980-01-01

    Test Bank to Accompany Computers and Data Processing provides a variety of questions from which instructors can easily custom tailor exams appropriate for their particular courses. This book contains over 4000 short-answer questions that span the full range of topics for introductory computing course.This book is organized into five parts encompassing 19 chapters. This text provides a very large number of questions so that instructors can produce different exam testing essentially the same topics in succeeding semesters. Three types of questions are included in this book, including multiple ch

  10. MacBook Pro Portable Genius

    CERN Document Server

    Miser, Brad

    2012-01-01

    Discover loads of tips and techniques for the newest MacBook Pro You're already ahead of the game with a MacBook Pro. Now you can get even more out the popular Apple notebook with the new edition of this handy, compact book. Crammed with savvy insights and tips on key tools and shortcuts, this book will help you increase your productivity and keep your Apple digital lifestyle on track. From desktop sharing and wireless networking to running Windows applications, this book avoids fluff, doesn't skimp on the essentials, saves you time and hassle, and shows you what you most want to know. Include

  11. Wind Loads on Structures

    DEFF Research Database (Denmark)

    Dyrbye, Claes; Hansen, Svend Ole

    Wind loads have to be taken into account when designing civil engineering structures. The wind load on structures can be systematised by means of the wind load chain: wind climate (global), terrain (wind at low height), aerodynamic response (wind load to pressure), mechanical response (wind...... pressure to structural response) and design criteria. Starting with an introduction of the wind load chain, the book moves on to meteorological considerations, atmospheric boundary layer, static wind load, dynamic wind load and scaling laws used in wind-tunnel tests. The dynamic wind load covers vibrations...... induced by wind turbulence, vortex shedding, flutter and galloping. The book gives a comprehensive treatment of wind effects on structures and it will be useful for consulting engineers designing wind-sensitive structures. It will also be valuable for students of civil engineering as textbook...

  12. The Little Data Book on Africa 2012/13

    OpenAIRE

    World Bank

    2013-01-01

    The Little Data Book on Africa 2012/2013 is a pocket edition of Africa Development Indicators 2012/2013. It contains some 115 key indicators on economics, human development, governance, and partnership and is intended as a quick reference for users of the Africa Development Indicators 2010 book and African Development Indicators Online. The country tables present the latest available data for World Bank member countries in Sub-Saharan Africa, covering about 1,700 indicators from 1961 to 2011....

  13. Strategic Planning And Performance Of Commercial Banks In Nigeria

    Directory of Open Access Journals (Sweden)

    Hope Ngozi Nzewi

    2015-05-01

    Full Text Available Abstract This study explored the relationship between strategic planning and performance of commercial banks in Nigeria. Specifically it determined the nature of relationship that existed between total assets and profit after tax of the selected banks. Exploratory research design was employed.Secondary data were sourced from the Nigerian Exchange Fact Book 2011 to 2013. Linear regression and Pearson bivariate correlation analytical techniques were used. Findings revealed that there is a weak positive relationship between the total assets and profit after tax of the selected commercial banks. The policy implication is that any meaningful profitability of the commercial banks in Nigeria must ensure proper institution and comprehensive execution of the strategic planning processes by the various managers of the selected commercial banks.

  14. A review of research on corporate social responsibility in the banking sector

    Directory of Open Access Journals (Sweden)

    Yenni Viviana Duque Orozco

    2012-07-01

    Full Text Available This paper reviews the studies on corporate social responsibility (CSR in the banking sector. It seeks to identify the main issues analyzed in this regard in scientific literature, as well as the methodologies used, through an extensive review of research articles, books and book chapters published in the Scopus and Journal Citation Index (previously ISI databases between 1998 and 2011. Results show a high interest among researchers in studying the dissemination of CSR in the banking sector using quantitative and qualitative methods; however, phenomena such as the perception of stakeholders in regards to the social and environmental performance of banks, the impact of CSR practices in the local or national development in developing countries (especially in Latin America and the sector’s responsibility in bankarization have not been addressed in depth.

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

    Directory of Open Access Journals (Sweden)

    DAVID DELIA

    2012-07-01

    Full Text Available The way crossed by the Romanian banking system until the present time is one governed by profound reforms which have been made in regards to the European Union. The strategies embraced by Romanian banks, in 1990 and until the present time, are meant to develop and to improve the performances so that they can compete with European banks and they can respond in an efficient manner to the customers’ needs. The purpose of this paper is to underline the main stages of evolution of the Romanian banking system since 1990 and to lay emphasize the perspectives on its evolution in the context of the actual economic crisis. By going through the stages previously mentioned in this paper , we can see that the Romanian banking system evolved positively, from the moment of the transition to the market economy, but in order for it to be functional and to contribute to the development of the economy as a whole, aspects related to the the supervision of the financial stability should be taken into consideration and in order to assure the stability of the financial system, the increase of the administrative capacity of the Central Bank should be considered, as well as balancing the structure of the creditation process, on coins, the improvement of the banking assets’ quality, the qualitative study of the NBR’s surveillance process, managing the contagion risk, etc. In order to achieve these objectives, the documentation by the investigation of a significant volume of works has been done, by scientifically acknowledged publications, analysis being applied, by deduction method and a significant volume of quantitative information was submitted to professional judgment. Concerns regarding this subject have been found in various paper works and in specialized books. We mention here the doctoral thesis of Elena Teodorescu Georgescu “The evaluation pattern of credit institutions’ prudential surveillance efficacy”, the author of

  16. 31 CFR 354.2 - Law governing rights and obligations of Federal Reserve Banks, and Sallie Mae; rights of any...

    Science.gov (United States)

    2010-07-01

    ... on the books of a Federal Reserve Bank pursuant to § 354.4(c)(1), is governed by the law (not... recorded on the books of a Federal Reserve Bank pursuant to § 354.14(c)(1), is governed by the law... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Law governing rights and obligations...

  17. Rational inefficiency and non-performing loans in Chinese banking: A non-parametric bootstrapping approach

    OpenAIRE

    Matthews, Kent; Guo, Jianguang; Zhang, Nina

    2007-01-01

    The existing Chinese banking system was born out of a state-planning framework focussed on the funding of state-owned enterprises. Despite the development of a modern banking system, numerous studies of Chinese banking point to its high level of average inefficiency. Much of this inefficiency relates to the high level of non-performing loans held on the banks books. This study argues that a significant component of inefficiency relates to a defunct bureaucratic incentive structure. Using boot...

  18. Large Banks of Negative Differential Resistance Nonlinear Loads: A Hidden Threat to Power System Quality

    Directory of Open Access Journals (Sweden)

    Mahmood Ahmad

    2018-01-01

    Full Text Available DSM (Demand Side Management is a short term and comparatively low cost solution for energy starved countries. Replacement of IB (Incandescent Bulbs with CFL (Compact Fluorescent Lamps has proved its success throughout the world. The same solution, at larger scale, was proposed to Pakistan to mitigate power shortage on short term basis. Accordingly in year 2008, ADB (Asian Development Bank conducted a study and it was found that replacement of conventional IB with 30 million CFL will result into series of benefits for the stake holders and above all the Environment. The study, unfortunately didn’t take enough consideration of effect of CFLs on the power system being nonlinear device and so the power quality issues remained a secondary consideration. The focus of this paper remains on the effect of such non-linear load on consumers, it also envisages the erratic behaviour of such large penetration of CFLs on direct single phase, three phase, digital as well as electromechanical energy meters, under different loading conditions e.g. resistive load, SMPS (Switch Mode Power Supply, half and full-wave rectifiers. It also reflects harmonic pollution caused by CFLs, their effect on power system quality and the registration ability of electromechanical as well as digital energy meters. To this end Harmonic spectrum was recorded up to the 31st harmonic.

  19. The impact of switching capacitor banks with very high inrush current on switchgear

    NARCIS (Netherlands)

    Smeets, R.P.P.; Wiggers, R.; Bannink, H.; Kuivenhoven, S.; Chakraborty, S.; Sandolache, G.

    2012-01-01

    Capacitor banks are installed in an increasing number in order to control power quality issues in the transmission and distribution networks. Due to load fluctuation, switching of capacitor banks is normally a daily operation. Although the current to be switched (e.g. the normal load current) is far

  20. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

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

  1. The effect of lateral banking on the kinematics and kinetics of the lower extremity during lateral cutting movements.

    Science.gov (United States)

    Wannop, John W; Graf, Eveline S; Stefanyshyn, Darren J

    2014-02-01

    There are many aspects of cutting movements that can limit performance, however, the implementation of lateral banking may reduce some of these limitations. Banking could provide a protective mechanism, placing the foot and ankle in orientations that keep them out of dangerous positions. This study sought to determine the effect of two banking angles on the kinematics and kinetics of the lower extremity during two athletic maneuvers. Kinematic and kinetic data were collected on 10 recreational athletes performing v-cuts and side shuffle movements on different banked surfaces (0°, 10°, 20°). Each sample surface was rigidly attached to the force platform. Joint moments were calculated and compared between conditions using a repeated measures ANOVA. Banking had a pronounced effect on the ankle joint. As banking increased, the amount of joint loading in the transverse and frontal planes decreased likely leading to a reduction in injury risk. Also an increase in knee joint loading in the frontal plane was seen during the 20° bank during the v-cut. Conversely loading in the sagittal plane at the ankle joint increased with banking and coupled with a reorientation of the ground reaction vector may facilitate a performance increase. The current study indicates that the 10° bank may be the optimal bank, in that it decreases ankle joint loading, as well as increases specific performance variables while not increasing frontal plane knee joint loading. If banking could be incorporated in footwear it may be able to provide a protective mechanism for athletes. Copyright © 2013 Elsevier B.V. All rights reserved.

  2. In situ determination of the static inductance and resistance of a plasma focus capacitor bank

    International Nuclear Information System (INIS)

    Saw, S. H.; Lee, S.; Roy, F.; Chong, P. L.; Vengadeswaran, V.; Sidik, A. S. M.; Leong, Y. W.; Singh, A.

    2010-01-01

    The static (unloaded) electrical parameters of a capacitor bank are of utmost importance for the purpose of modeling the system as a whole when the capacitor bank is discharged into its dynamic electromagnetic load. Using a physical short circuit across the electromagnetic load is usually technically difficult and is unnecessary. The discharge can be operated at the highest pressure permissible in order to minimize current sheet motion, thus simulating zero dynamic load, to enable bank parameters, static inductance L 0 , and resistance r 0 to be obtained using lightly damped sinusoid equations given the bank capacitance C 0 . However, for a plasma focus, even at the highest permissible pressure it is found that there is significant residual motion, so that the assumption of a zero dynamic load introduces unacceptable errors into the determination of the circuit parameters. To overcome this problem, the Lee model code is used to fit the computed current trace to the measured current waveform. Hence the dynamics is incorporated into the solution and the capacitor bank parameters are computed using the Lee model code, and more accurate static bank parameters are obtained.

  3. In situ determination of the static inductance and resistance of a plasma focus capacitor bank

    Energy Technology Data Exchange (ETDEWEB)

    Saw, S. H. [INTI University College, Nilai 71800 (Malaysia); Institute for Plasma Focus Studies, 32 Oakpark Drive, Chadstone, Victoria 3148 (Australia); Lee, S. [INTI University College, Nilai 71800 (Malaysia); Institute for Plasma Focus Studies, 32 Oakpark Drive, Chadstone, Victoria 3148 (Australia); National Institute of Education, Nanyang Technological University, Singapore 637616 (Singapore); Roy, F.; Chong, P. L.; Vengadeswaran, V.; Sidik, A. S. M.; Leong, Y. W.; Singh, A. [INTI University College, Nilai 71800 (Malaysia)

    2010-05-15

    The static (unloaded) electrical parameters of a capacitor bank are of utmost importance for the purpose of modeling the system as a whole when the capacitor bank is discharged into its dynamic electromagnetic load. Using a physical short circuit across the electromagnetic load is usually technically difficult and is unnecessary. The discharge can be operated at the highest pressure permissible in order to minimize current sheet motion, thus simulating zero dynamic load, to enable bank parameters, static inductance L{sub 0}, and resistance r{sub 0} to be obtained using lightly damped sinusoid equations given the bank capacitance C{sub 0}. However, for a plasma focus, even at the highest permissible pressure it is found that there is significant residual motion, so that the assumption of a zero dynamic load introduces unacceptable errors into the determination of the circuit parameters. To overcome this problem, the Lee model code is used to fit the computed current trace to the measured current waveform. Hence the dynamics is incorporated into the solution and the capacitor bank parameters are computed using the Lee model code, and more accurate static bank parameters are obtained.

  4. Accounting Discretion of Banks During a Financial Crisis

    NARCIS (Netherlands)

    Huizinga, H.P.; Laeven, L.

    2009-01-01

    This paper presents evidence of banks using accounting discretion to overstate the value of distressed assets. In particular, we show that the stock market applies far greater discounts to a bank’s real estate loans and mortgage-backed securities than are implicit in the book values of these assets,

  5. Polyphase Filter Banks for Embedded Sample Rate Changes in Digital Radio Front-Ends

    DEFF Research Database (Denmark)

    Awan, Mehmood-Ur-Rehman; Le Moullec, Yannick; Koch, Peter

    2011-01-01

    . A non-maximally-decimated polyphase filter bank (where the number of data loads is not equal to the number of M subfilters) processes M subfilters in a time period that is less than or greater than the M data loads. A polyphase filter bank with five different resampling modes is used as a case study...

  6. Customer satisfaction with retail banking services in Ghana

    DEFF Research Database (Denmark)

    Narteh, Bedman; Kuada, John

    2014-01-01

    This article reports a study of the determinants of customer satisfaction of retail banking services in Ghana and discusses the strategic implications of the findings for the retail banks. We reviewed the extant literature to identify theoretical determinants of customer satisfaction in retail......, core and tangible dimensions of service to be the major determinants of customer satisfaction in retail banking in Ghana. Technology also loaded onto the core and tangible dimensions of service quality...... banking and their measurement scales. These were adapted to build a conceptual framework for the empirical investigation conducted. Data were collected using a questionnaire administered through personal interviews to 650 customers of retail banks and the results were factor analysed. We found relational...

  7. Assessing Efficiency of Taxation of Banks and Enterprises of the Real Sector of Economy of Ukraine

    Directory of Open Access Journals (Sweden)

    Olkhovyk Volodymyr V.

    2013-12-01

    Full Text Available The article analysis the tax load for the banking system in general. Analysis showed the tax load of the banks is rather low and does not reach the fifth part of 1 percent. At the same time, by individual branches of the real sector of economy this indicator is in an average for 5 years 5 – 8 percent, which confirms violation of the principle of proportionality of the taxation system of Ukraine. The ratio of elasticity of taxes of the banks showed unevenness of distribution of taxes if compared with dynamics of change of GDP. However, taxes of the real sector are distributed in proportion to the change of the GDP share. Calculation of the Herfindahl index allowed assessment of efficiency of taxation of banks in the structure of the economy of Ukraine. The index of concentration of taxation of banks had a rather low value during the analysed period (2008 – 2012, which is confirmed by data on a low tax load of the banks if compared to rather high values of tax load at enterprises of the real sector of economy.

  8. Fast risetime one megajoule capacitor bank

    International Nuclear Information System (INIS)

    Markins, D.; Baker, W.L.; Reinovsky, R.E.; Clark, J.G.

    1976-01-01

    A 100 kV, 1.1 MJ capacitor bank for plasma research experiments has been constructed for the Air Force Weapons Laboratory. The system consists of twenty, individual, low inductance capacitor modules, each utilizing a four element switch package approximately 2 meters wide. Each module contains twenty-four ''scyllac'' type 1.85 μF capacitors. A 100 kV output pulse is obtained by charging the top half of each module to +50 kV and the bottom half to -50 kV. A pressurized, low inductance multichannel switch package incorporating four separately triggered elements is designed to fit into the parallel plate transmission line system of the capacitor module. The bank is configured in a cross shape with twenty modules spaced uniformly around the perimeter of a parallel plate transmission line. The transmission line is constructed with 32 mil aluminum and insulated with 60 mils of mylar. The bank is designed to feed an easily replaceable central coaxial load. The entire system has been repeatedly fired at 100 kV with a dummy resistive load and has delivered 2.2 x 10 7 amperes of current with a risetime of 1.1 μsec. The total measured system inductance is 2.2 nH. This system represents a significant advance in the development of reliable, fast, high current capacitor banks

  9. Size, Diversification and Risk: Preliminary Evidence from Commercial Banks in Pakistan

    Directory of Open Access Journals (Sweden)

    Ayesha Afzal

    2012-12-01

    Full Text Available The aim of this paper is to provide some preliminary evidence on relation between size, diversification and risk in commercial banks of Pakistan. Using a panel of Pakistani banks, we investigated whether bigger banks are better diversified than smaller banks.The results suggested that larger banks were more diversified than their smaller counterparts mainly on account of their outreach and size of credit portfolio. On the risk side, based on accounting and market based risk measures, we explored if there is any impact of diversification on risk. We could not deduce significant result in favor of accounting risk measure of impaired lending signaling that banks find no incentive in diversification of credit books. The market based measures of VaR and Default indicator were significantly related to diversification signifying that market participants consider diversification as a relevant tool for risk mitigation. These findings have policy implications for regulators and risk management to ensure stability in financial system.

  10. Power quality improvement in highly varying loads using thyristor-switched capacitor

    Energy Technology Data Exchange (ETDEWEB)

    Poshtan, M. [Petroleum Inst., Abu Dhabi (United Arab Emirates). Dept. of Electrical Engineering; Mokhtari, H.; Esmaeili, A. [Sharif Univ. of Technology, Tehran (Iran, Islamic Republic of). Dept. of Electrical Engineering

    2007-07-01

    Ordinary contactor-based-capacitor (CBC) banks may not be able to response quickly enough in highly varying electrical loads such as welding machines or arc furnace loads. Thyristor-switched capacitor (TSC) banks are therefore used to compensate for reactive power of highly varying loads. In this paper, the performance of a TSC was compared to CBC banks. The 2 systems, were also compared in terms of energy saving in transmission systems. Simulations carried out using PSCAD/EMTDC software showed that there was a considerable difference in the performance of the 2 systems. The shortcomings of existing CBC systems include slow response of mechanical switching systems; problem of switching more than one bank into the system; and, voltage/current transients during on-off switching. 3 refs., 6 tabs., 14 figs.

  11. A design study of the consolidated data bank for the evaluated nuclear data libraries

    International Nuclear Information System (INIS)

    Hasegawa, Akira

    1987-11-01

    A design study establishing a consolidated data bank covering almost all evaluated nuclear data libraries available in the world was made. Broad user requirements known as data consolidation, data independence and data protection are highly considered in the fundamental system design. To realize the system a sophisticated data structuring method for the data consolidation, a high level language for query facility and data protection methods for data security were developed. From the work a data bank named EDFSRS: Evaluated Data Files Storage and Retrieval System has been developed, which is an operational data base system for the evaluated nuclear data libraries compiled in the major three formats: ENDF/B, UKNDL and KEDAK. This system consists of more than fifteen independent programs and some 180 Mega-byte data files and index files (data-base) of the loaded data. It is designed to be operated in the on-line TSS (Time Sharing System) mode, so that users can get any information from their desk top terminals available in these major three formats. Equipped functions are very wide from data loading up to data retrieval, data calculations, data presentation in graphs, index book production and preparation of user accounts. The constructed system is a stand alone system with a characteristic of self-contained system for a data base system thus it gains high portability for the transplantation to other machines. This system is a reflection of user needs to consolidate data in secure, reliable way and to provide easy end-user access to these data. (author)

  12. Measuring and Understanding the Energy Use Signatures of a Bank Building

    Energy Technology Data Exchange (ETDEWEB)

    Xie, YuLong; Liu, Bing; Athalye, Rahul A.; Baechler, Michael C.; Sullivan, Greg

    2012-08-12

    The Pacific Northwest National Laboratory measured and analyzed the energy end-use patterns in a bank building located in the north-eastern United States. This work was performed in collaboration with PNC Financial Service Group under the US DOE’s Commercial Building Partnerships Program. This paper presents the metering study and the results of the metered data analysis. It provides a benchmark for the energy use of different bank-related equipments. The paper also reveals the importance of metering in fully understanding building loads and indentifying opportunities for energy efficiency improvements that will have impacts across PNC’s portfolio of buildings and were crucial to reducing receptacle loads in the design of a net-zero bank branches. PNNL worked with PNC to meter a 4,000 ft2 bank branch in the state of Pennsylvania. 71 electrical circuits were monitored and 25 stand-alone watt-hour meters were installed at the bank. These meters monitored the consumption of all interior and exterior lighting, receptacle loads, service water heating, and the HVAC rooftop unit at a 5-minute sampling interval from November 2009 to November 2010. A total of over 8 million data records were generated, which were then analyzed to produce the end-use patterns, daily usage profiles, rooftop unit usage cycles, and inputs for calibrating the energy model of the building.

  13. EU Banking Union: Lessons for non-eurozone transition countries

    Directory of Open Access Journals (Sweden)

    Šoškić Dejan

    2015-01-01

    Full Text Available Eurozone has gone through turmoil of sovereign debt crisis just after the detrimental effect of global financial crises of 2007/2008. Sovereign debt crisis of the eurozone was caused by bank-sovereign interdependence and lack of fiscal union in the eurozone. Financial fragmentation in the eurozone financial markets was an immediate outcome. Banking union of the EU is a regulatory and institutional remedy for main financial problems of the eurozone post global financial crisis. It is clear signal that lessons have been learned from the two crises. Stricter regulation (single rule book aims to increase the quality of banks. Single Supervisory Mechanism (SRM, and Single Resolution Mechanism (SRM aim to unify and better the standards of supervision and resolution in the EU. With emphasis on bail-ins, and EU level backstops, bank-sovereign interdependence should be dismantled and chances of financial crisis reoccurrence with huge costs for taxpayers should be significantly lower. There are important elements of Banking Union that could be introduced in non-eurozone transition countries both members and nonmembers of the EU.

  14. Middle East and North Africa Data Book, September 2014

    OpenAIRE

    Devarajan, Shanta; Mottaghi, Lili

    2014-01-01

    The Middle East and North Africa (MENA) data book serves as a quick reference and a reliable dataset for monitoring economic and social developments in the region. The data are drawn from the 2014 World Bank's World Development Indicators (WDI) and International Monetary Fund's (IMF's) direction of trade statistics. It contains macroeconomic, sectoral, and social indicators for 19 countrie...

  15. Behavior of Capstone and Honeywell microturbine generators during load changes; TOPICAL

    International Nuclear Information System (INIS)

    Yinger, Robert J.

    2001-01-01

    This report describes test measurements of the behavior of two microturbine generators (MTGs) under transient conditions. The tests were conducted under three different operating conditions: grid-connect; stand-alone single MTG with load banks; and two MTGs running in parallel with load banks. Tests were conducted with both the Capstone 30-kW and Honeywell Parallon 75-kW MTGs. All tests were conducted at the Southern California Edison /University of California, Irvine (UCI) test facility. In the grid-connected mode, several test runs were conducted with different set-point changes both up and down and a start up and shutdown were recorded for each MTG. For the stand-alone mode, load changes were initiated by changing load-bank values (both watts and VARs). For the parallel mode, tests involved changes in the load-bank settings as well as changes in the power set point of the MTG running in grid-connect mode. Detailed graphs of the test results are presented. It should be noted that these tests were done using a specific hardware and software configuration. Use of different software and hardware could result in different performance characteristics for the same units

  16. Improvements in Quantifying Bank Erosion for Sediment Budgets within the Chesapeake Bay Watershed by Integrating Structure-From-Motion Photogrammetry

    Science.gov (United States)

    Bell, J. M.; Cashman, M. J.; Nibert, L.; Jackson, S.

    2017-12-01

    Fine sediment is a major source of pollution due to its ability to attenuate light, smother habitat, and sorb and transport nutrients, such as phosphorus and nitrogen. Piedmont streams in the Mid-Atlantic region of the United States are frequently characterized as incised with steep, highly erodible banks of legacy sediment that can contribute to high sediment loads. Multiple sediment fingerprinting studies in this region have demonstrated that stream banks can contribute a large proportion of the total sediment load, but stream banks are frequently overlooked in sediment delivery models and Total Maximum Daily Load allocations. The direct quantification of bank erosion is therefore essential to producing accurate sediment budgets, which are needed to inform the targeted mitigation and remediation of degraded fluvial systems. This study contrasts the use of traditional bank pin measurements, structure-from-motion photogrammetric techniques, and aerial LIDAR at sites within Maryland, USA. Bank pin measurements, representing only single points in space, were found to be highly variable with subjective initial placement often missing nearby, large-scale bank failures. In contrast, photogrammetric techniques, using structure-from-motion, were able to capture a more spatially-complete streambank profile. Using a Nikon D810 camera, bank scans were able to reconstruct banks with a RMSE as low as 0.1mm and repeat scan alignment resolution of bank-erosion over multi-year timescales. Future work will include difference mapping channel features at watershed scales. This photogrammetric approach of quantifying geomorphic change, when coupled with bank-sediment bulk density, has promise to accurately quantify volumetric change as well as sediment loads originating from bank erosion, and may provide valuable data of the quantification of bank erosion for incorporation into regional sediment models.

  17. Application of load follow operation to equilibrium cycle of OPR1000

    Energy Technology Data Exchange (ETDEWEB)

    Lee, Kyeongju; Choe, Jiwon; Lee, Deokjung [Interdisciplinary School of Green Energy, Ulsan National Institute of Science and Technology, Ulsan (Korea, Republic of)

    2012-10-15

    All nuclear power plants in Korea are operated at a base load, that is 100% rated power, and do not rely largely on power tracking control except for startup, shutdown, and some minor problem occurrences. However, if the electricity from nuclear power plants exceeds 50% of total electricity generation according to national energy plan, load follow operation is necessary to efficiently use the electrical energy. But it is very difficult to control the axial power distribution and reactor core reactivity at the same time as needed because of variations in nuclear system parameters. In 1990s, an advanced reactor control algorithm, Mode-K, was developed which uses regulation banks, boron control, and a heavy-worth bank (H-bank). The regulation banks and boron control are used for core reactivity control and the H-bank is used for the control of axial power shape. In this study, reactor core simulations with HELIOS/MASTER code system using Mode-K strategy are applied to the daily load follow operation in equilibrium cycle of OPR1000.

  18. Load flow optimization and optimal power flow

    CERN Document Server

    Das, J C

    2017-01-01

    This book discusses the major aspects of load flow, optimization, optimal load flow, and culminates in modern heuristic optimization techniques and evolutionary programming. In the deregulated environment, the economic provision of electrical power to consumers requires knowledge of maintaining a certain power quality and load flow. Many case studies and practical examples are included to emphasize real-world applications. The problems at the end of each chapter can be solved by hand calculations without having to use computer software. The appendices are devoted to calculations of line and cable constants, and solutions to the problems are included throughout the book.

  19. Effect of flood-induced chemical load on filtrate quality at bank filtration sites

    Science.gov (United States)

    Ray, C.; Soong, T.W.; Lian, Y.Q.; Roadcap, G.S.

    2002-01-01

    Riparian municipal wells, that are located on riverbanks, are specifically designed to capture a portion of the river water through induced infiltration. Runoff from agricultural watersheds is found to carry enormous amounts of pesticides and nitrate. While the risk of contamination for a vast majority of sites with small-capacity vertical wells is low, potential exists for medium to large capacity collector wells to capture a fraction of the surface water contaminants during flood. Prior monitoring and current modeling results indicate that a small-capacity (peak pumpage 0.0315 m3/s) vertical bank filtration well may not be affected by river water nitrate and atrazine even during flood periods. For a medium capacity (0.0875-0.175 m3/s) hypothetical collector well at the same site, potential exists for a portion of the river water nitrate and atrazine to enter the well during flood periods. Various combinations of hydraulic conductivity of the riverbed or bank material were used. For nitrate, it was assumed either no denitrification occurred during the period of simulation or a half-life of 2 years. Equilibrium controlled sorption (organic carbon partition coefficient of 52 ml/g) and a half-life of between 7.5 and 15 weeks were considered for atrazine. Combinations of these parameters were used in various simulations. Peak concentrations of atrazine or nitrate in pumped water could vary from less than 1% to as high as 90% of that in the river. It was found that a combination of river stage, pumping rates, hydraulic properties of the riverbed and bank, and soil/pesticide properties could affect contaminant entry from river water to any of these wells. If the hydraulic conductivity of the bed and bank material were low, atrazine would not reach the pumping well with or without sorption and degradation. However, for moderately low permeable bank and bed materials, some atrazine from river water could enter a hypothetical collector well while pumping at 0.0875 m3/s. It

  20. Diagnostics system for the 67 MJ, 50 kV pulsed power capacitor bank

    Energy Technology Data Exchange (ETDEWEB)

    Galakhov, I V; Gasheev, A S; Gruzin, I A; Gudov, S N; Murugov, V M; Osin, V A; Pankratov, V I; Pegoev, I N [All-Russian Scientific Research Inst. of Experimental Physics, Sarov (Russian Federation)

    1997-12-31

    The diagnostics system is designed for charging and discharging to the load of the large 67 MJ and 50 kV capacitor bank for the iodine laser pulse power of ISKRA-5 facility. Discharging diagnostics of the capacitor bank uses a technique to measure a sequence of times between representative discharge events for 665 discharge circuits of the bank. Benefits of the measurement techniques are discussed. (author). 3 figs., 3 refs.

  1. Diagnostics system for the 67 MJ, 50 kV pulsed power capacitor bank

    International Nuclear Information System (INIS)

    Galakhov, I.V.; Gasheev, A.S.; Gruzin, I.A.; Gudov, S.N.; Murugov, V.M.; Osin, V.A.; Pankratov, V.I.; Pegoev, I.N.

    1996-01-01

    The diagnostics system is designed for charging and discharging to the load of the large 67 MJ and 50 kV capacitor bank for the iodine laser pulse power of ISKRA-5 facility. Discharging diagnostics of the capacitor bank uses a technique to measure a sequence of times between representative discharge events for 665 discharge circuits of the bank. Benefits of the measurement techniques are discussed. (author). 3 figs., 3 refs

  2. Plundering the poor: the role of the World Bank in the Third World.

    Science.gov (United States)

    Feder, E

    1983-01-01

    The World Bank, the most important so-called development assistance agency, annually dispenses billions of dollars to Third World governments, ostensibly to "develop" their economics through a variety of loan projects. But even a superficial analysis reveals that the Bank is the perfect mechanism to help (i.e., subsidize) the large transnational corporations from the industrial countries to expand their industrial, commercial, and financial activities in the Third World, at the expense of the latter and particularly at the expense of the rural and urban proletariat. This article discusses Cheryl Payer's recent book, The World Bank: A Critical Analysis, in which she analyzes the Bank's role in the Third World and sets forth the major reasons why poverty, hunger, and malnutrition, as well as unemployment, and all the adverse social phenomena associated with them, are on the increase.

  3. A Battery Power Bank with Series-Connected Buck–Boost-Type Battery Power Modules

    Directory of Open Access Journals (Sweden)

    Tsung-Hsi Wu

    2017-05-01

    Full Text Available The operation of a battery power bank with series-connected buck–boost-type battery power modules (BPMs was investigated in this study. Each BPM consisted of a battery pack with an associated buck–boost converter for individually controlling battery currents. With a proposed discharging scenario, load voltage regulation with charge equalization among batteries was performed by controlling the battery currents in accordance with their state-of-charges (SOCs estimated by real-time battery-loaded voltages detected under the same operating condition. In addition, the fault tolerance was executed to isolate exhausted or faulty batteries from the battery power bank without interrupting the system operation. Experiments were conducted to verify the effectiveness of the discharging scenario for a laboratory battery power bank with four series buck–boost BPMs.

  4. EPR: High load variation performances with the 'Tmode' core control

    International Nuclear Information System (INIS)

    Grossetete, A.

    2008-01-01

    The load variation performances on a PWR are directly linked to the core control design. This design is mainly characterized by the definition of the control rod banks and the way to both perform the banks movements and to modify the core boron concentration by injection of boric acid or water. The following paper presents the principles of the T mode, the new fully automatic core control mode for the EPR which provides high performance in terms of maneuverability and optimizes the effluents. First, the paper describes the division of the control rods into two control banks (Pbank for temperature and Hbank for power distribution). Then typical movements of these banks during power changes are shown. Then, the principle of the 3 control loops (Tave, AO, Pmax), used to obtain these desired control rod movements, is given. Finally, a load following transient simulation is presented. (authors)

  5. EPR: high load variation performances with the 'TMODE' core control

    International Nuclear Information System (INIS)

    Pairot, Frederic

    2008-01-01

    The load variation performances on a PWR are directly linked to the core control design. This design is mainly characterized by the definition of the control rod banks and the way to both perform the banks movements and to modify the core boron concentration by injection of boric acid or water. The following paper presents the principles of the T mode, the new fully automatic core control mode for the EPR which provides high performance in terms of maneuverability and optimizes the effluents. First, the paper describes the division of the control rods into two control banks (Pbank for temperature and Hbank for power distribution). Then typical movements of these banks during power changes are shown. Then, the principle of the 3 control loops (Tave, AO, Pmax), used to obtain these desired control rod movements, is given. Finally, a load following transient simulation is presented. (author)

  6. Enhanced electricity system analysis for decision making - A reference book

    International Nuclear Information System (INIS)

    2000-01-01

    (ESCAP), the International Atomic Energy Agency (IAEA), the International Bank for Reconstruction and Development (IBRD/World Bank), the International Institute for Applied Systems Analysis (IIASA), the Nuclear Energy Agency of the OECD (OECD/NEA), the Organization of Petroleum Exporting Countries (OPEC), the United Nations Industrial Development Organization (UNIDO) and the World Meteorological Organization (WMO). The main elements and achievements of the DECADES project are described in the different chapters of this book. Additional details are provided in the chapter references and in the bibliography. The Joint Steering Committee for the DECADES project hopes that this book will contribute to the process of strengthening and improving capabilities for the design and implementation of sustainable strategies in the power sector, in particular in developing countries and countries in transition to market economies. The reference book has been prepared with the assistance of many contributors, coming from national and international organizations active in the field of electricity system analysis. The initial drafting of the different chapters and annexes was carried out by highly qualified experts (see the list of contributors to preparation, drafting and review) who served as leading or contributing authors, drawing from their experience and know-how on the subject matter. The draft chapters prepared by the lead authors and contributors were harmonised and technically edited jointly by staff members of: the IAEA Planning and Economic Studies Section, the Nuclear Development Division of the OECD Nuclear Energy Agency, and the Industry and Energy Department of the World Bank (IBRD)

  7. 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.

  8. 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...

  9. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  10. 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.

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

    NARCIS (Netherlands)

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

    2017-01-01

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

  12. Phosphorus load to surface water from bank erosion in a Danish lowland river basin.

    Science.gov (United States)

    Kronvang, Brian; Audet, Joachim; Baattrup-Pedersen, Annette; Jensen, Henning S; Larsen, Søren E

    2012-01-01

    Phosphorus loss from bank erosion was studied in the catchment of River Odense, a lowland Danish river basin, with the aim of testing the hypothesis of whether stream banks act as major diffuse phosphorus (P) sources at catchment scale. Furthermore, the study aimed at analyzing the impact of different factors influencing bank erosion and P loss such as stream order, anthropogenic disturbances, width of uncultivated buffer strips, and the vegetation of buffer strips. A random stratified procedure in geographical information system (GIS) was used to select two replicate stream reaches covering different stream orders, channelized vs. naturally meandering channels, width of uncultivated buffer strips (≤ 2 m and ≥ 10 m), and buffer strips with different vegetation types. Thirty-six 100-m stream reaches with 180 bank plots and a total of 3000 erosion pins were established in autumn 2006, and readings were conducted during a 3-yr period (2006-2009). The results show that neither stream size nor stream disturbance measured as channelization of channel or the width of uncultivated buffer strip had any significant ( erosion and P losses during each of the 3 yr studied. In buffer strips with natural trees bank erosion was significantly ( erosion amounted to 13.8 to 16.5 and 2.4 to 6.3 t P, respectively, in the River Odense catchment during the three study years. The net P input from bank erosion equaled 17 to 29% of the annual total P export and 21 to 62% of the annual export of P from diffuse sources from the River Odense catchment. Most of the exported total P was found to be bioavailable (71.7%) based on a P speciation of monthly suspended sediment samples collected at the outlet of the river basin. The results found in this study have a great importance for managers working with P mitigation and modeling at catchment scale. Copyright © by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America, Inc.

  13. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

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

  14. Development of a computer program for the simulation of ice-bank system operation, part II: Verification

    Energy Technology Data Exchange (ETDEWEB)

    Grozdek, Marino; Halasz, Boris; Curko, Tonko [University of Zagreb, Faculty of Mechanical Engineering and Naval Architecture, Ivana Lucica 5, 10 000 Zagreb (Croatia)

    2010-12-15

    In order to verify the mathematical model of an ice bank system developed for the purpose of predicting the system performance, experimental measurements on the ice bank system were performed. Static, indirect, cool thermal storage system, with an external ice-on-coil building/melting was considered. Cooling energy stored in the form of ice by night is used for the rapid cooling of milk after the process of pasteurization by day. The ice bank system was tested under real operating conditions to determine parameters such as the time-varying heat load imposed by the consumer, refrigeration unit load, storage capacity, supply water temperature to the load and to find charging and discharging characteristics of the storage. Experimentally obtained results were then compared to the computed ones. It was found that the calculated and experimentally obtained results are in good agreement as long as there is ice present in the silo. (author)

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  17. Capacitor Bank 'CHANDI' for Plasma Target Production for Liner Plasma Interaction

    International Nuclear Information System (INIS)

    Shukla, R.; Sharma, S.K.; Debnath, K.; Shyam, A.

    2006-01-01

    A capacitor bank is fabricated to drive (JXB) Plasma gun to generate hot plasma (target) for liner plasma investigation. The bank will also be used for driving other pintch experiments. The bank consists of 8 capacitors connected in parallel, each having capacitance of 178 μF giving a total of 1424uF. The bank is charged at 15 kV using a 28 kV power supply charging the capacitors in 65 seconds utilizing full wave charging technique. The total energy of the bank is 160kJ at 15kV. A modeling of power supply was done so that all the components involved are utilized to their operating limit safely. Moreover to give fault protection to the capacitor bank we have implemented the neutral control technique in the power supply. The capacitor bank is discharged to the inductive load through an ignitron switch of very high coulomb rating and capable of withstanding high voltages at its electrodes. The cables used for connecting capacitor bank with ignitron switch are used in parallel to give them collective capability of bearing capacitor discharge currents. These cables are capable of holding high DC voltages (40kV), which appear at the time of charging of the bank. The bank is tested and is operational

  18. Android Fully Loaded

    CERN Document Server

    Huddleston, Rob

    2012-01-01

    Fully loaded with the latest tricks and tips on your new Android! Android smartphones are so hot, they're soaring past iPhones on the sales charts. And the second edition of this muscular little book is equally impressive--it's packed with tips and tricks for getting the very most out of your latest-generation Android device. Start Facebooking and tweeting with your Android mobile, scan barcodes to get pricing and product reviews, download your favorite TV shows--the book is positively bursting with practical and fun how-tos. Topics run the gamut from using speech recognition, location-based m

  19. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

  20. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    OpenAIRE

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

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

  1. Parcelling activity of the National Bank for Agriculture in interwar Poland in the years 1924-1929

    Directory of Open Access Journals (Sweden)

    Mirosław Kłusek

    2009-01-01

    Full Text Available Scientific literature related to the problem in focus is exceptionally poor. The only book publication concerns the National Bank for Agriculture in the twenty-year interwar period is book position of Marek Nowak’s authorship [Nowak 1988]. But, on account of its modest range, bank agrarian activity has been treated too generally. In this publication author’s opinion is that this activity needs deeper analysis. Parcelling is an economic process which took part in Poland and lasted from the moment of grant freehold. It ran with special intensification towards the end of XIX century and at the beginning of XX century. In inter-war period, on account of source of parcelled soil, parcellation was divided into private and governmental. Governmental parcellation, which related to public property, included lands by Regional District Councils and territories included by military settlement. However, lands allocated by the National Bank for Agriculture and by individual people made private parcellation. The beginning of the National Bank for Agriculture’s agrarian activity’ was enabled by Poland President’s directive from 1924. One of the main tasks put against NBA was support: parcellation and settlement, agricul-tural regulations by landed estates purchase for parcelling aims and giving long-term credits for land purchase. However, according to status, the National Bank for Agriculture was able to parcel out landed properties, both purchased for private property and entrusted to commission state. Tasks put against parcellation conducted by the National Bank for Ag-riculture were not carried out in a satisfactory way. The Bank’s activity did not contribute to shopping the process of farms fragmentation at serious level and process of agrarian overpopulation’s growth among fewer ownership. Similarly, it also was not an essential source of establishing new farms capable of competing with vast-land ownership.

  2. A national study of the provision of oncology sperm banking services among Canadian fertility clinics.

    Science.gov (United States)

    Yee, S; Buckett, W; Campbell, S; Yanofsky, R A; Barr, R D

    2013-07-01

    The purpose of this study was to survey the current state of oncology sperm banking services provided by fertility clinics across Canada. A total of 78 Canadian fertility facilities were invited to complete a questionnaire related to the availability, accessibility, affordability and utilisation of sperm banking services for cancer patients. The total response rate was 59%, with 20 (69%) in vitro fertilisation clinics and 26 (53%) other fertility centres returning the survey. A total of 24 responding facilities accepted oncology sperm banking referrals. The time frame to book the first banking appointment for 19 (79%) facilities was within 2 days. Inconsistent practice was found regarding the consent process for cancer patients who are of minority age. Eight (33%) facilities did not provide any subsidy and charged a standard banking fee regardless of patients' financial situations. Overall, the utilisation of oncology sperm banking services was low despite its availability and established efficacy, suggesting that Canadian cancer patients are notably underserved. The study has highlighted some important issues for further consideration in improving access to sperm banking services for cancer patients, especially for adolescents. Better collaboration between oncology and reproductive medicine to target healthcare providers would help to improve sperm banking rates. © 2013 John Wiley & Sons Ltd.

  3. 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.

  4. AKAD BAKU PADA PEMBIAYAAN MURABAHAH DI BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Trisadini Prasastinah Usanti

    2013-01-01

    Full Text Available The implementation of standard contract has become a business necessity which is acceptable by the community with all its pros and cons. Terms of kontrak baku is derived from the translation of Standard Contract in English language. Standard contract is an agreement which has been determined and manifested in a form. The use of standard contract is a manifestation of the businessman’s business efficiency. In the practice of Islamic banking, murabahah financing contract set forth in the form of raw materials, the customer who received the financing facilities would not be given the opportunity to negotiate the murabahah financing contract substations. The existence of standard contract in murabahah financing in Islamic banks is not contrary to Islamic principles. The substance of standard contract in murabahah financing in some Islamic banks has loaded articles that match with the characteristics of murabahah financing and has also contained minimum requirements that must be present in the contract as specified in the Fatwa of National Sharia Council which are formulated in Bank Indonesia Regulation.

  5. Relationship between macroeconomic aggregates and bank performance

    Directory of Open Access Journals (Sweden)

    Mitrović Ranka

    2016-01-01

    Full Text Available The aim of the paper is relations between some macroeconomic aggregates and performance of banks. This paper show analysis of trends in gross domestic product, exchange rates, interest rates, inflation load, developments in the balance of payments. On the business side, performance is achieved insight into the liquidity, capital adequacy, and the amount of non-performable loans. The aim of the research is to refute or confirm the interconnectedness of movement values of macroeconomic aggregates and bank performance. The analysis confirmed the association of two set variables. The negative value movements of macroeconomic aggregates directly or indirectly have an impact on the quality of performance of the banking sector. Therefore, it is necessary to define an adequate strategy of the economy, would not it safer to carry out the process of adapting to new developments in the market, such as the global financial crisis, the rise in unproductive enterprises, distrust customers etc.

  6. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

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

  7. 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…

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  9. 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...

  10. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  11. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

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

  12. A stable systemic risk ranking in China's banking sector: Based on principal component analysis

    Science.gov (United States)

    Fang, Libing; Xiao, Binqing; Yu, Honghai; You, Qixing

    2018-02-01

    In this paper, we compare five popular systemic risk rankings, and apply principal component analysis (PCA) model to provide a stable systemic risk ranking for the Chinese banking sector. Our empirical results indicate that five methods suggest vastly different systemic risk rankings for the same bank, while the combined systemic risk measure based on PCA provides a reliable ranking. Furthermore, according to factor loadings of the first component, PCA combined ranking is mainly based on fundamentals instead of market price data. We clearly find that price-based rankings are not as practical a method as fundamentals-based ones. This PCA combined ranking directly shows systemic risk contributions of each bank for banking supervision purpose and reminds banks to prevent and cope with the financial crisis in advance.

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

    African Journals Online (AJOL)

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

  14. Determination of aggregated load power consumption, under non-sinusoidal supply using an improved load model

    International Nuclear Information System (INIS)

    Bagheri, R.; Moghani, J.S.; Gharehpetian, G.B.; Mirtalaei, S.M.M.

    2009-01-01

    The harmonic content of supply voltage results in additional power losses and hence increases the load power consumption. The role of the power quality equipments on the power consumption without using an accurate model cannot be determined, too. In this paper, an improved model for aggregated loads proposed, which estimates the effects of voltage harmonics on the power consumption. The distinguished aspect of the proposed model is its parameters identification method which is based on the practical techniques, such as employing a capacitor bank or varying dummy loads in steps. The proposed model has been verified by the comparison of measured and simulated results.

  15. Numerical Analysis of Vibrations of Structures under Moving Inertial Load

    CERN Document Server

    Bajer, Czeslaw I

    2012-01-01

    Moving inertial loads are applied to structures in civil engineering, robotics, and mechanical engineering. Some fundamental books exist, as well as thousands of research papers. Well known is the book by L. Frýba, Vibrations of Solids and Structures Under Moving Loads, which describes almost all problems concerning non-inertial loads. This book presents broad description of numerical tools successfully applied to structural dynamic analysis. Physically we deal with non-conservative systems. The discrete approach formulated with the use of the classical finite element method results in elemental matrices, which can be directly added to global structure matrices. A more general approach is carried out with the space-time finite element method. In such a case, a trajectory of the moving concentrated parameter in space and time can be simply defined. We consider structures described by pure hyperbolic differential equations such as strings and structures described by hyperbolic-parabolic differential equations ...

  16. Impact of E-Banking on Traditional Banking Services

    OpenAIRE

    Vyas, Shilpan Dineshkumar

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  18. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  19. Simulation evaluation of capacitor bank impact on increasing supply current for alumunium production

    Science.gov (United States)

    Hasan, S.; Badra, K.; Dinzi, R.; Suherman

    2018-03-01

    DC current supply to power the electrolysis process in producing aluminium at PT Indonesia Asahan Aluminium (Persero) is about 193 kA. At this condition, the load voltage regulator (LVR) transformer generates 0.89 lagging power factor. By adding the capacitor bank to reduce the harmonic distortion, it is expected that the supply current will increase. This paper evaluates capacitor bank installation impact on the system by using ETAP 12.0 simulation. It has been obtained that by installing 90 MVAR capacitor bank in the secondary part of LVR, the power factor is corrected about 8% and DC current increases about 13.5%.

  20. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

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

  1. BUILDING A BANKING UNION IN THE EUROPEAN UNION – A SOLUTION TO THE FINANCIAL CRISIS?

    Directory of Open Access Journals (Sweden)

    Monica (ŞAGUNA FIGHIROAE

    2015-07-01

    Full Text Available The financial crisis of 2008 highlighted the need for a deeper integration of the banking system, as a warranty to support long-term financial stability. It was argued that the grounds of the crisis lie also in an uncoordinated national response to the failure of banks, in a fragmentation of the Single Market in lending and funding and, therefore, a better regulation and supervision of the financial sector can ensure financial stability and growth in the European Union. In order to restore the proper functioning of the internal market and to avoid future crisis, the European Commission launched a set of initiatives, in order to assure a safer and sounder financial sector for the single market; are included here: stronger prudential requirements for banks, improved depositor protection and rules for managing failing banks and a single rulebook for all the 28 Member States of the European Union. The single rule book is the step towards the Banking Union sits. The banking union consists of three pillars: a Single Supervisory Mechanism, a Single Resolution Mechanism and a joint deposit-insurance scheme. As on 4 November 2014 the European Central Bank assumed responsibility for euro area banking supervision, the Banking Union is still under construction. In this framework, the purpose of my paper is to analyse the process of building a Banking Union in Europe. Therefore, the objectives of my paper are to explore the steps to fulfilling a real integration of the European banking system, as a solution to the financial crisis.

  2. Is banking supervision central to central banking?

    OpenAIRE

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

    1997-01-01

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

  3. Book Review: Book review

    Science.gov (United States)

    Manohar, C. S.

    2015-02-01

    The subject of the theory of vibrations has carried an aesthetic appeal to generations of engineering students for its richness of ideas, and for the intellectual challenges it offers. Also, the diverse range of its applications (covering civil, mechanical, automotive, and aerospace structures) has provided obvious motivations for its study. For most students, the subject provides, perhaps, the first encounter in substantial application of mathematical tools (differential equations, calculus of variations, Fourier/Laplace transforms, and matrix algebra) to engineering problems. The intimate relationship that the subject of mechanics has with mathematics strikes home probably for the first time. While teaching this subject, the instructor is spoilt for choice in selecting a text book and so are the students who wish to pursue a self-study of the subject. Many luminaries in the field have offered their own exposition of the subject: starting from the classics of Rayleigh, Timoshenko, Den Hartog, Bishop and Johnson, and the works of more recent vintage (e.g., the books by Meirovich, Clough, and Penzien, and works with computational flavour, such as, those by Bathe and Petyt), several works easily come to one's mind. Given this milieu, it requires a distinctive conviction to write a new book on this subject. And, here we have a book, written by a practitioner, which aims to deal with fundamental aspects of vibrations of engineering systems. The scepticism that this reviewer had on the need for having one more such book vanished as he browsed through the book and read selectively a few sections. The author's gift for elegant explanations is immediately noticeable even in such a preliminary reading. After a more careful reading, the reviewer has found this book to be insightful and he considers the book to be a welcome addition to the family of books on vibration engineering. The author has struck a fine balance between physical explanations, mathematical niceties

  4. Book selling and e-books in Sweden

    Directory of Open Access Journals (Sweden)

    Elena Maceviciute

    2015-07-01

    Full Text Available This paper addresses the issue of the understanding of the book-selling situation as Swedish booksellers see it. It pursues the answers to the following questions: 1. What are the perceptions of Swedish booksellers of the impact of e-books on their business? 2. What drivers are important for Swedish booksellers for adopting and developing e-book sales through their own sales channels? 3. What do they perceive as barriers to e-book selling through their own channels? The authors have employed the analysis of the secondary statistical data and a survey of Swedish booksellers to answer their questions. The results of the investigation have shown that the Swedish booksellers do not feel their bookshops, or business in general, are threatened by e-books. The opinions on e-books do not differ between the few selling e-books and others who do not offer this product. The reasons for selling e-books are well-functioning routines and personal interest in the product. The reasons for not selling the books are the lack of demand and technical resources as well as contractual agreements with e-book publishers or vendors. So, technical resources for e-book sales, routines, and contracts with publishers are the main premises for this activity. The biggest barriers to e-book sales are: a the price as one can see not only in the answers of the booksellers, but also in the drop of sales obviously related to the rise of prices during 2014; b lack of demand from customers who do not enquire about e-books in bookshops. This leads to the belief that e-books will be sold mostly online either directly from publishers and authors or through online booksellers. However, an equal number of booksellers believe that physical bookshops will be selling printed books and e-books in the future. The future of e-books seems to be quite secure and non-threatening to printed books from the point of view of booksellers. The growth of e-book sales is quite slow and the respondents

  5. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

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

  6. Evaluating the Financial Stability of Banking System, Considering the Emergence Property

    Directory of Open Access Journals (Sweden)

    Lesik Vitaliy O.

    2017-03-01

    Full Text Available The article is concerned with analyzing the existing approaches to evaluation of the financial stability of banking system, substantiating the expedience of accounting, and generalizing the characteristics of the emergence property to determine its level. The article considers the interrelation of concepts of «financial stability» and «financial sustainability», the necessity of their correlation, taking account of the time factor, has been substantiated. A critical analysis of the approaches to evaluating the financial stability of banking system has been carried out, their eligibility according to the criteria of accounting of the identification attributes of systemacity and the analytical data aggregation has been examined. To determine the status of banking system as a system phenomenon, the necessity of carrying out an evaluation of its financial stability on the basis of the emergence approach has been substantiated, including the following directions: intensity of credit and financial interaction in the interbank market; functional load of the banking system as to ensuring the macroeconomic development; structural changes and financial disparities in the banking system; scale effects that arise as a consequence of change in the main financial parameters of the system banks.

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

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

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

  8. 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.

  9. In company pre-intermediate student's book with CD-ROM

    CERN Document Server

    Clarke, Simon; Sharma, Pete

    2009-01-01

    In Company has established itself as the Business English course for professionals because of its immediate results through topic-based content, active skills, and real-world tasks that are instantly relevant to everyday business English development. In Company Second Edition builds on the success of the original but is now updated and improved with a host of new features. For extra online practice for your students, take a look at the new Second Edition In Company Practice Online solution. Accompanying the popular In Company series in British English, these online courses provide carefully designed resources to supplement the Student's Books at all levels. Units are clearly defined as Topic or Skills based NEW phrase banks with useful phrases for reference and revision 5 NEW case studies, within the Student's Book reflect real-life business scenarios Second Edition CD-ROM now includes a new interactive glossary and the class audio as a donwloadable MP3.

  10. MODEL IKATAN HUBUNGAN, NILAI PELANGGAN TERHADAP LOYALITAS NASABAH PADA BANK PEMERINTAH DI JAWA TENGAN

    Directory of Open Access Journals (Sweden)

    Naili Farida

    2017-03-01

    Full Text Available The study discussed about the integration of relational bonding, relational quality,on service quality and customer loyalty at the state-owned bank in Central Java. The loca-tions of research included Semarang City, Surakarta City, and Cilacap City. Research methodused multi stage sampling. The sample of research counted 278 customers of Regular Savingfrom Bank Negara Indonesia (BNI, Bank Mandiri, Bank Rakyat Indonesia, Bank TabunganNegara, and Bank Pembangunan Central of Java. The hypothesis test in this research em-ployed descriptive analysis and Structural Equation Modeling (SEM. The descriptive analysishad loading factor and 5 % significance rate. The objective of research was to understandand to analyze the relational bonding between the Bank customers through corporate im-age, customer value, and relational quality as well as service quality on customer loyalty. Thestate-owned banks in Central Java already used this model. Result of research, related to theresult of SEM analysis, indicated that the relevancy of relational bonding, corporate image,customer value, and service quality had significant effect on customer loyalty. Therefore, thismodel should be developed by the state-owned banks to increase the customer loyalty.

  11. The Atlas load protection switch

    CERN Document Server

    Davis, H A; Dorr, G; Martínez, M; Gribble, R F; Nielsen, K E; Pierce, D; Parsons, W M

    1999-01-01

    Atlas is a high-energy pulsed-power facility under development to study materials properties and hydrodynamics experiments under extreme conditions. Atlas will implode heavy liner loads (m~45 gm) with a peak current of 27-32 MA delivered in 4 mu s, and is energized by 96, 240 kV Marx generators storing a total of 23 MJ. A key design requirement for Atlas is obtaining useful data for 95601130f all loads installed on the machine. Materials response calculations show current from a prefire can damage the load requiring expensive and time consuming replacement. Therefore, we have incorporated a set of fast-acting mechanical switches in the Atlas design to reduce the probability of a prefire damaging the load. These switches, referred to as the load protection switches, short the load through a very low inductance path during system charge. Once the capacitors have reached full charge, the switches open on a time scale short compared to the bank charge time, allowing current to flow to the load when the trigger pu...

  12. Modelling river bank erosion processes and mass failure mechanisms using 2-D depth averaged numerical model

    Science.gov (United States)

    Die Moran, Andres; El kadi Abderrezzak, Kamal; Tassi, Pablo; Herouvet, Jean-Michel

    2014-05-01

    Bank erosion is a key process that may cause a large number of economic and environmental problems (e.g. land loss, damage to structures and aquatic habitat). Stream bank erosion (toe erosion and mass failure) represents an important form of channel morphology changes and a significant source of sediment. With the advances made in computational techniques, two-dimensional (2-D) numerical models have become valuable tools for investigating flow and sediment transport in open channels at large temporal and spatial scales. However, the implementation of mass failure process in 2D numerical models is still a challenging task. In this paper, a simple, innovative algorithm is implemented in the Telemac-Mascaret modeling platform to handle bank failure: failure occurs whether the actual slope of one given bed element is higher than the internal friction angle. The unstable bed elements are rotated around an appropriate axis, ensuring mass conservation. Mass failure of a bank due to slope instability is applied at the end of each sediment transport evolution iteration, once the bed evolution due to bed load (and/or suspended load) has been computed, but before the global sediment mass balance is verified. This bank failure algorithm is successfully tested using two laboratory experimental cases. Then, bank failure in a 1:40 scale physical model of the Rhine River composed of non-uniform material is simulated. The main features of the bank erosion and failure are correctly reproduced in the numerical simulations, namely the mass wasting at the bank toe, followed by failure at the bank head, and subsequent transport of the mobilised material in an aggradation front. Volumes of eroded material obtained are of the same order of magnitude as the volumes measured during the laboratory tests.

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

    OpenAIRE

    Angel, Christania Graciella

    2014-01-01

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

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

    OpenAIRE

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

    2017-01-01

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

  15. GUARANTEEING THE TROUBLE-FREE OPERATION OF CAPACITOR BANKS IN POWER-SUPPLY SYSTEMS OF INDUSTRIAL ENTERPRISES

    Directory of Open Access Journals (Sweden)

    D.A. Gapon

    2016-03-01

    Full Text Available Purpose. The problem of resonance phenomena in power systems of industrial enterprises using capacitor banks for reactive power compensation was detected. Circuit of the capacitor banks tier to downshift main substation tires is present. But there is no common algorithm to calculate and avoid such trouble. The main goal of this article is to introduce some basics for power supply systems with possible resonant circuits engineering. Methodology. At the first step the data on the change of the current in the chemical company network when changing capacitor banks value are received. For these purposes the oscilloscope function of digital protection relay was used. Current data samples were analyzed by spectrum detection software. Most significant levels of the 3rd and 5th harmonics were achieved. Comparison of harmonic distortion levels with and without capacitor bank is given. Results. Achieved data allow making conclusion about overloading reasons of capacitor banks while higher harmonics currents presence. A voltage and current harmonious composition measuring in the absence of power quality analyzers using digital protection relay terminals or emergencies registers are proposed. The necessity of power quality monitoring near capacitor banks connections to avoid resonance phenomena (current and voltage resonance in industrial power supply systems is proven. The control algorithm of capacitor banks to provide electromagnetic compatibility, while various modes of nonlinear load operation is given. Originality. Using of digital protection relay oscilloscoping for current resonant detection can allow to significally reduce time and cost of solution. Replacement parallel circuit comprising a branch and one active-inductive load to another branch network in the presence of higher harmonics source are proposed. Practical value. A sequence for measuring the levels of harmonic components at the connections of capacitor banks in the absence of specialized

  16. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  17. Optimal Capacitor Bank Capacity and Placement in Distribution Systems with High Distributed Solar Power Penetration

    Energy Technology Data Exchange (ETDEWEB)

    Hodge, Brian S [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Mather, Barry A [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Cho, Gyu-Jung [Sungkyunkwan University, Korea; Oh, Yun-Sik [Sungkyunkwan University, Korea; Kim, Min-Sung [Sungkyunkwan University, Korea; Kim, Ji-Soo [Sungkyunkwan University, Korea; Kim, Chul-Hwan [Sungkyunkwan University, Korea

    2018-02-01

    Capacitor banks have been generally installed and utilized to support distribution voltage during period of higher load or on longer, higher impedance, feeders. Installations of distributed energy resources in distribution systems are rapidly increasing, and many of these generation resources have variable and uncertain power output. These generators can significantly change the voltage profile across a feeder, and therefore when a new capacitor bank is needed analysis of optimal capacity and location of the capacitor bank is required. In this paper, we model a particular distribution system including essential equipment. An optimization method is adopted to determine the best capacity and location sets of the newly installed capacitor banks, in the presence of distributed solar power generation. Finally we analyze the optimal capacitor banks configuration through the optimization and simulation results.

  18. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

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

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

    African Journals Online (AJOL)

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

  20. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  1. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

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

  2. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

  3. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-08-01

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

  5. 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....

  6. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

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

  7. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

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

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

    Science.gov (United States)

    2010-03-02

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

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

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

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

  10. Hydraulic design of Three Gorges right bank powerhouse turbine for improvement of hydraulic stability

    International Nuclear Information System (INIS)

    Shi, Q

    2010-01-01

    This paper presents the hydraulic design of Three Gorges Right Bank Powerhouse turbine for improvement of hydraulic stability. The technical challenges faced in the hydraulic design of the turbine are given. The method of hydraulic design for improving the hydraulic stability and particularly for eliminating the upper part load pressure pulsations is clarified. The final hydraulic design results of Three Gorges Right Bank Powerhouse turbine based on modern hydraulic design techniques are presented.

  11. Hydraulic design of Three Gorges right bank powerhouse turbine for improvement of hydraulic stability

    Energy Technology Data Exchange (ETDEWEB)

    Shi, Q, E-mail: qhshi@dfem.com.c [Dong Fang Electrical Machinery Co., Ltd., DEC 188, Huanghe West Road, Deyang, 618000 (China)

    2010-08-15

    This paper presents the hydraulic design of Three Gorges Right Bank Powerhouse turbine for improvement of hydraulic stability. The technical challenges faced in the hydraulic design of the turbine are given. The method of hydraulic design for improving the hydraulic stability and particularly for eliminating the upper part load pressure pulsations is clarified. The final hydraulic design results of Three Gorges Right Bank Powerhouse turbine based on modern hydraulic design techniques are presented.

  12. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

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

  13. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-26

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

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

    Directory of Open Access Journals (Sweden)

    Ir Ascarya

    2008-08-01

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

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

    Directory of Open Access Journals (Sweden)

    Dwi Umardani

    2017-05-01

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

  16. 75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-04

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

  17. Do Adolescents Prefer Electronic Books to Paper Books?

    Directory of Open Access Journals (Sweden)

    Margaret K. Merga

    2015-11-01

    Full Text Available While electronic books offer a range of benefits and may be supposed to be more appealing to young people than paper books, this assumption is often treated as fact by educational researchers. Understanding adolescents’ true current preferences is essential, as incorrect assumptions can lead to decisions which restrict adolescent access to their preferred book mode. The belief that adolescents prefer electronic books to paper books has already led to some school libraries being expunged of paper books. As adolescents show a higher level of aliteracy than younger children, and regular reading offers a broad range of benefits for young people, it is imperative that school’s decisions around providing access to books are responsive to adolescent students’ genuine preferences. This paper analyses the current and relevant academic research around adolescent preferences for book modes, finding that, at present, the contention that adolescents prefer electronic books is not supported by the available research. In addition, there are a number of issues identified that make analyzing the findings in this area problematic. Future studies in this area are needed before an adolescent preference for electronic books can be unequivocally substantiated.

  18. Book Review - CAPITAL IN THE 21ST CENTURY, BY THOMAS PIKETTY

    Directory of Open Access Journals (Sweden)

    Elena Gurgu

    2016-07-01

    Full Text Available Only few books of economy in the recent past years have had a similar effect on public opinion as the work of Professor Thomas Piketty from Paris School of Economics, in which he attempts to explain the dynamics of the last two centuries income inequality in developed countries. Shortly after the release of the English version, appeared excellent reviews from some major economists like Robert Solow, Paul Krugman, Robert Shiller, all three Nobel Prize winners, as we all know.             "It is the most important book of the century" concluded Esquire magazine, and Paul Krugman, Nobel Prize winner for Economics, described it as "a volume really superb" and "an extraordinary work [...] certainly the most economic important book of the year if not the decade."             In turn, Martin Wolf, one of the most influential writers on economic issues worldwide, says that the work of Piketty is "extremely important" and Branko Milanovic, a former World Bank economist, said it is "one of the primary work of economic thought ".

  19. GenBank

    OpenAIRE

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

    2002-01-01

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

  20. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

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

  1. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  2. Fifty years of genetic load

    International Nuclear Information System (INIS)

    Wallace, B.

    1991-01-01

    This book discusses the radiation effects on Drosophila. It was originally thought that irradiating Drosophila would decrease the average fitness of the population, thereby leading to information about the detrimental effects of mutations. Surprisingly, the fitness of the irradiated population turned out to be higher than that of the control population. The original motivation for the experiment was as a test of genetic load theory. The average fitness of a population is depressed by deleterious alleles held in the population by the balance between mutation and natural selection. The depression is called the genetic load of the population. The load dose not depend on the magnitude of the deleterious effect of alleles, but only on the mutation rate

  3. 1993 Pacific Northwest Loads and Resources Study, Technical Appendix: Volume 2, Book 1, Energy.

    Energy Technology Data Exchange (ETDEWEB)

    United States. Bonneville Power Administration.

    1993-12-01

    The 1993 Pacific Northwest Loads and Resources Study establishes the Bonneville Power Administration`s (BPA) planning basis for supplying electricity to BPA customers. The Loads and Resources Study is presented in three documents: (1) this technical appendix detailing loads and resources for each major Pacific and Northwest generating utility, (2) a summary of Federal system and Pacific Northwest region loads and resources, and (3) a technical appendix detailing forecasted Pacific Northwest economic trends and loads. This analysis updates the 1992 Pacific Northwest Loads and Resources Study Technical Appendix published in December 1992. This technical appendix provides utility-specific information that BPA uses in its long-range planning. It incorporates the following for each utility (1) Electrical demand firm loads; (2) Generating resources; and (3) Contracts both inside and outside the region. This document should be used in combination with the 1993 Pacific Northwest Loads and Resources Study, published in December 1993, because much of the information in that document is not duplicated here.

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

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  6. Analysis of book colections Great picture book for preschoolers

    OpenAIRE

    Cunk, Tina

    2013-01-01

    Thesis entitled ˝Analysis of book collections Great picture book for preschoolers˝ is based on theoretical approach and empirical study. In the theoretical part I focused on the development of youth literature and the definition of the latter, furthermore I described Great picture book and definition of picture book, I presented four versions of picture books in the Slovenian area, described types of picture books and wrote translation of Maria Nikolaeva´s picture book and her point of view...

  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. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  9. Artists of both banks of the Prut river participating in the exhibitions of the Biennale of Illustrations Bratislava (1967–2015

    Directory of Open Access Journals (Sweden)

    Vladimir Kravchenko

    2017-10-01

    Full Text Available The paper provides data on the almost fifty-year-long participation of artists from the Romanian cultural region in the BIB exhibitions, one of the world’s most prestigious. The issue has not been studied earlier because of the lack of scholarly interest in children’s book illustration. The paper examines artworks executed by professional artists from the left bank of the Prut or the Prut-Nistru area (the Moldavian Soviet Socialist Republic / the Republic of Moldova and the right bank of the Prut (the Romanian Socialist Republic / the Republic of Romania. Both regions are considered since they have a common literary folk heritage. In the paper, the illustrations are examined both in terms of the evolution of national traditions in illustrating children’s literature, and in terms of the impact of European art. Since the very beginning, the participation of artists has been conditioned by the publication of illustrations. Thus, any illustration presented at the BIB could be examined as an individual artwork, and also as a piece of book design. The organizers of the contest have been guided by the provisions of the Declaration of the Rights of the Child (1959, the Universal Copyright Convention (1952 and also the statements of the International Board on Books for Young (founded 1953 concerning support in publishing and distributing books for children around the world.

  10. Books Received

    Indian Academy of Sciences (India)

    Home; Journals; Resonance – Journal of Science Education. Books Received. Articles in Resonance – Journal of Science Education. Volume 1 Issue 1 January 1996 pp 118-118 Books Received. Books Received · More Details Fulltext PDF. Volume 1 Issue 2 February 1996 pp 120-120 Books Received. Books Received.

  11. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  12. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

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

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

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  14. Il controllo degli istituti finanziari in Gran Bretagna: problemi e proposte. (Regulation and control of the United Kingdom banking and financial structure

    Directory of Open Access Journals (Sweden)

    J.S.G. WILSON

    2014-08-01

    Full Text Available Britain has tended to avoid, except as a last resort, formal regulatory arrangements. Indeed, bank regulation so far has largely been by “suasion”, with no formal framework for bank examination and inspection. There seems now, however, to be an awakening interest in the possibility of a more comprehensive regulation of financial institutions, due in part to the splitting off a “secondary” banking system, and the emergence of a complex of parallel money markets. The present work analyses the regulation and control of the banking and financial structure in the United Kingdom. The author first briefly considers the extent of relevant legislation that is currently found on the statute books. The main objectives of any comprehensive legislation to regulate banks and similar financial institutions are then outlined. Finally, the appropriate legislation to achieve such objectives is considered.JEL: G18, G28

  15. 78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-21

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

  16. PENGARUH KINERJA KEUANGAN BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA TERHADAP RETURN SAHAM

    OpenAIRE

    ' Sumarno

    2014-01-01

    ABSTRACT Financial performance is information acquired regarding company’s internal condition such as portrayed in financial statements. Financial statement information is composed of various ratios such as liquidity,  activity, profitability, and leverage ratios. The purpose of this study was to assess financial performances of national  private banks which have foreign exchange division based on impact of Debt To Equity Ratio (DER), Loan to Deposit Ratio (LDR), Price to Book Value (PBV),...

  17. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

    OpenAIRE

    Masami Imai; Peter Hull

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

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

  20. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

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

  1. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

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

  2. Ordering E-Books From a Print Book Vendor

    OpenAIRE

    Culley, Jennifer R.; Human, Cindy

    2017-01-01

    The University of Southern Mississippi began ordering e-books through its primary print book vendor, Midwest Library Service, in 2016. The demand to purchase e-books has steadily increased, and when the opportunity arose to save valuable staff time searching over several vendor sites for e-books and print books by consolidating the search interface, a change was made. There were multiple steps to set up this program; however, the time invested was worth it. While there were challenges along t...

  3. Power factor improvement in three-phase networks with unbalanced inductive loads using the Roederstein ESTAmat RPR power factor controller

    Science.gov (United States)

    Diniş, C. M.; Cunţan, C. D.; Rob, R. O. S.; Popa, G. N.

    2018-01-01

    The paper presents the analysis of a power factor with capacitors banks, without series coils, used for improving power factor for a three-phase and single-phase inductive loads. In the experimental measurements, to improve the power factor, the Roederstein ESTAmat RPR power factor controller can command up to twelve capacitors banks, while experimenting using only six capacitors banks. Six delta capacitors banks with approximately equal reactive powers were used for experimentation. The experimental measurements were carried out with a three-phase power quality analyser which worked in three cases: a case without a controller with all capacitors banks permanently parallel connected with network, and two other cases with power factor controller (one with setting power factor at 0.92 and the other one at 1). When performing experiments with the power factor controller, a current transformer was used to measure the current on one phase (at a more charged or less loaded phase).

  4. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

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

  5. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

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

  6. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

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

  7. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

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

  8. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  9. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  10. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

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

  11. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

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

  12. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

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

  13. 78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-03

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

  14. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

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

  15. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

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

  16. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

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

  17. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

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

  18. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

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

  19. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

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

  20. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

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

  1. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

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

  2. 78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-29

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

  3. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

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

  4. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

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

  5. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

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

  6. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

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

  7. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

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

  8. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

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

  9. 77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-17

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

  10. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

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

  11. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

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

  12. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

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

  13. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

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

  14. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

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

  15. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

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

  16. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

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

  17. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

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

  18. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

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

  19. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

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

  20. 77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-16

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

  1. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

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

  2. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

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

  3. 78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-15

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

  4. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

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

  5. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

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

  6. 77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-02

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

  7. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

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

  8. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Rudy Haryanto Rudy Haryanto

    2012-07-01

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

  10. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  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.

  12. Electronic book – paperless book

    Directory of Open Access Journals (Sweden)

    Mateja Ločniškar-Fidler

    2003-01-01

    Full Text Available The article presents the electronic book, which is accessible on the Internet, with particularities and drawbacks that the present and future users and librarians may encounter.It also presents devices (such as scanners and hand-helds and software required for reading and designing electronic books, as well as the details we should pay attention to when buying and using the above mentioned devices. Some of the most significant web pages dedicated to the selling and promoting of electronic books are also presented. The protection of authors’ works, distributed via the Internet and digital media, is gaining importance. In September 1999, Slovenia also joined the international agreement on the protection of copyrights. It is expected that electronic books will gradually become part of the collection of all types of libraries. Therefore, libraries will need appropriate technical equipment as well as trained personnel for the usage of this new medium.

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

    Directory of Open Access Journals (Sweden)

    Virimai Mugobo

    2015-11-01

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

  14. Evaluation of the Effects of Nationwide Conservation Voltage Reduction on Peak-Load Shaving Using SOMAS Data

    Directory of Open Access Journals (Sweden)

    Soon-Ryul Nam

    2013-12-01

    Full Text Available In this paper we propose a new method to evaluate the effects of nationwide conservation voltage reduction (CVR on peak-load shaving, using substation operating results management system (SOMAS data. Its evaluation is based on a national CVR factor, which is defined as the weighted average of CVR factors associated with all transformer banks and weighting coefficients are determined by the reconstructed loads corresponding to each transformer bank. To make use of the data resulting from nationwide CVR without installing additional measuring devices, we adopt a linearized static-load model with a linearizing parameter. SOMAS data are used to evaluate the effects of nationwide CVR on peak-load shaving in the Korean power system. Evaluation results show that the national CVR factor of the Korean power system has small values in the summer season and large values in the winter season. This means that the effect of nationwide CVR on peak-load shaving in the Korean power system presents stronger benefits during winter months.

  15. Using a micro computer based test bank

    International Nuclear Information System (INIS)

    Hamel, R.T.

    1987-01-01

    Utilizing a micro computer based test bank offers a training department many advantages and can have a positive impact upon training procedures and examination standards. Prior to data entry, Training Department management must pre-review the examination questions and answers to ensure compliance with examination standards and to verify the validity of all questions. Management must adhere to the TSD format since all questions require an enabling objective numbering scheme. Each question is entered under the enabling objective upon which it is based. Then the question is selected via the enabling objective. This eliminates any instructor bias because a random number generator chooses the test question. However, the instructor may load specific questions to create an emphasis theme for any test. The examination, answer and cover sheets are produced and printed within minutes. The test bank eliminates the large amount of time that is normally required for an instructor to formulate an examination. The need for clerical support is reduced by the elimination of typing examinations and also by the software's ability to maintain and generate student/course lists, attendance sheets, and grades. Software security measures limit access to the test bank, and the impromptu method used to generate and print an examination enhance its security

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

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  17. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  18. From book to eBook : towards a print conception of the eBook

    OpenAIRE

    Berry, Katherine Rachel L

    2005-01-01

    Denne avhandlingen er en analyse av eBook som beskrevet av to eBook forlag via ebooks.com og ereader.com på internett. Avhandlingen inkluderer også en analyse av tre andre programmer; Abode Reader, Microsoft Reader og eReader. Ut fra websidens innhold som fokuserer på en visuell presentasjon av eBook og språket som blir brukt i forbindelse med eBook så vil analysen ta dette i betraktning. I forbindelse med reader programmet så vil den visuelle presentasjonen, funksjoner, skriveområde og sp...

  19. Promoting Reading Through The use of Book Talk, Story books and ...

    African Journals Online (AJOL)

    Promoting Reading Through The use of Book Talk, Story books and book mobile Among Children in Selected Schools in ... Keywords: Reading culture, book talk, story book, book mobile, School Children ... AJOL African Journals Online.

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

    Directory of Open Access Journals (Sweden)

    Mohammad Nazim Uddin

    2018-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Florin Alexandru LUCA

    2016-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  3. GenBank

    OpenAIRE

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

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  5. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  6. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

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

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

    OpenAIRE

    Dr. S. Anthony Rahul Golden

    2016-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

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

  9. TEKNOLOGI BERBASIS LAYANAN MANDIRI UNTUK KASUS E-BANKING

    Directory of Open Access Journals (Sweden)

    Edy Purwo Saputro

    2010-12-01

    Full Text Available Revolusi dan evolusi perkembangan teknologi informasi dan sistem informasi memicu transformasi dalam semua bidang dan hal ini kemudian menimbulkan fenomena tentang e-lifestyle yaitu mulai dari e-mail, e-banking, e-shopping, e-book, e-wallets, e-learning, e-news, e-commerce, e-trading, e-election, e-business, e-market, e-service dan e-cards. Di satu sisi, e-lifestyle memberikan banyak kemudahan tapi di sisi lain ini menimbulkan ancaman terutama dikaitkan dengan jaminan keamanan di semua transaksi yang terkait e-lifestyle. Terkait ini, jika aspek keamanan tidak mendapatkan prioritas perhatian dari semua pihak, maka akan terjadi fenomena: ‘don’t trust anyone, don’t trust anything’ dan kepercayaan akan menjadi “blind trust”. Hal ini tentu sangat dimungkinkan karena di cyber economy ada berbagai kasus yang mendasari misalnya ‘phising’ (kegiatan pengiriman e-mail palsu yang di dalamnya terkandung link ke sebuah situs web, yang bisa mengarahkan seseorang untuk menyerahkan identitas pribadi, atau ‘clickjacking’ (yaitu kode jahat yang tersembunyi di balik tombol klik di sebuah situs yang dikunjungi oleh seseorang. Aspek keamanan menjadi sangat penting karena fakta perkembangan e-lifestyle di Indonesia pada umumnya dan adopsi e-banking khususnya masih berada pada tahap pertumbuhan

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Yen Sun

    2011-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Muhammad Shakil AHMAD

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  14. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  15. Economic load dispatch of wind-solar-thermal system using ...

    African Journals Online (AJOL)

    Economic load dispatch (ELD) problem is an essential optimization problem ..... The data for radiation and average ambient temperature is adopted as per (Solar Radiation Hand Book, et al.,2008) ..... Reference temperature for cell efficiency.

  16. BOOK MANAGERS CHOICE BOOKS RECEIVED

    African Journals Online (AJOL)

    The receipt of these books is acknowledged, and this listing must be regarded as sufficient return for the courtesy of the sender. Books that appear to be of particular interest will be reviewed as space permits. The SAMJ does not publish unsolicited reviews. ABO-incompatible Kidney Transplantation... By Kota. Takahashi.

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

    Directory of Open Access Journals (Sweden)

    ELENA SILVIA DINCULESCU

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Selly Maulina

    2016-12-01

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

  20. Development of E-Book Multimedia Model to Increase Critical Thinking of Senior High School Students

    OpenAIRE

    Suparno Suparno

    2018-01-01

    This study aims to develop the interactive e-book multimedia model to improve the students' critical thinking ability (KBK). Critical thinking is very important to develop because it provides a high level of reasoning thinking that provides permanent experience to students through conscious and controlled decision making in a rational, reflective, responsible manner with the optimization of potential. Flash-based e-book media is capable of interactively loading videos, pictures, practice ques...

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

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    刘春红; 宋玮

    2004-01-01

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

  3. Hardware Architecture of Polyphase Filter Banks Performing Embedded Resampling for Software-Defined Radio Front-Ends

    DEFF Research Database (Denmark)

    Awan, Mehmood-Ur-Rehman; Le Moullec, Yannick; Koch, Peter

    2012-01-01

    , and power optimization for field programmable gate array (FPGA) based architectures in an M -path polyphase filter bank with modified N -path polyphase filter. Such systems allow resampling by arbitrary ratios while simultaneously performing baseband aliasing from center frequencies at Nyquist zones......In this paper, we describe resource-efficient hardware architectures for software-defined radio (SDR) front-ends. These architectures are made efficient by using a polyphase channelizer that performs arbitrary sample rate changes, frequency selection, and bandwidth control. We discuss area, time...... that are not multiples of the output sample rate. A non-maximally decimated polyphase filter bank, where the number of data loads is not equal to the number of M subfilters, processes M subfilters in a time period that is either less than or greater than the M data-load’s time period. We present a load...

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

    Directory of Open Access Journals (Sweden)

    Farhan Ahmed

    2018-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Dr. Irwan Ch

    2017-06-01

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

  6. MMRW-BOOKS, Legacy books on slowing down, thermalization, particle transport theory, random processes in reactors

    International Nuclear Information System (INIS)

    Williams, M.M.R.

    2007-01-01

    Description: Prof. M.M..R Williams has now released three of his legacy books for free distribution: 1 - M.M.R. Williams: The Slowing Down and Thermalization of Neutrons, North-Holland Publishing Company - Amsterdam, 582 pages, 1966. Content: Part I - The Thermal Energy Region: 1. Introduction and Historical Review, 2. The Scattering Kernel, 3. Neutron Thermalization in an Infinite Homogeneous Medium, 4. Neutron Thermalization in Finite Media, 5. The Spatial Dependence of the Energy Spectrum, 6. Reactor Cell Calculations, 7. Synthetic Scattering Kernels. Part II - The Slowing Down Region: 8. Scattering Kernels in the Slowing Down Region, 9. Neutron Slowing Down in an Infinite Homogeneous Medium, 10.Neutron Slowing Down and Diffusion. 2 - M.M.R. Williams: Mathematical Methods in Particle Transport Theory, Butterworths, London, 430 pages, 1971. Content: 1 The General Problem of Particle Transport, 2 The Boltzmann Equation for Gas Atoms and Neutrons, 3 Boundary Conditions, 4 Scattering Kernels, 5 Some Basic Problems in Neutron Transport and Rarefied Gas Dynamics, 6 The Integral Form of the Transport Equation in Plane, Spherical and Cylindrical Geometries, 7 Exact Solutions of Model Problems, 8 Eigenvalue Problems in Transport Theory, 9 Collision Probability Methods, 10 Variational Methods, 11 Polynomial Approximations. 3 - M.M.R. Williams: Random Processes in Nuclear Reactors, Pergamon Press Oxford New York Toronto Sydney, 243 pages, 1974. Content: 1. Historical Survey and General Discussion, 2. Introductory Mathematical Treatment, 3. Applications of the General Theory, 4. Practical Applications of the Probability Distribution, 5. The Langevin Technique, 6. Point Model Power Reactor Noise, 7. The Spatial Variation of Reactor Noise, 8. Random Phenomena in Heterogeneous Reactor Systems, 9. Associated Fluctuation Problems, Appendix: Noise Equivalent Sources. Note to the user: Prof. M.M.R Williams owns the copyright of these books and he authorises the OECD/NEA Data Bank

  7. Channel Bank Cohesion and the Maintenance of Suspension Rivers

    Science.gov (United States)

    Dunne, K. B. J.; Jerolmack, D. J.

    2017-12-01

    always submerged. The toe is more compacted and more resistant to erosion than the subaerially-exposed upper bank. We find mounting evidence that sand-bedded rivers are much like gravel-bedded river; they are near-threshold channels in which the suspended load does not play a controlling role in the determination of equilibrium hydraulic geometry.

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

  9. Modern approaches to the assessment of the cost of commercial bank

    Directory of Open Access Journals (Sweden)

    Natal’ya I. Malykh

    2016-01-01

    adequately applied to banks. To assess financial institutions using the comparative method, it can be mainly used the multipliers based on the value of own capital – the ratio «price/earnings» (PE, and the ratio of «price/book value» (PBV.The authors emphasize that the evaluation of the market value of the business or assets is needed today not only in the framework of transactions of sale and purchase or in determining of the collateral value of the object, but also to make competent strategic and management decisions.A comprehensive analysis determines the competitiveness, reliability and attractiveness of the bank for the customer and for the investor.Thus, after analyzing the financial situation of any bank, with a considerable degree of confidence among banks-counterparts we can choose the most attractive and ensure its reliability, a further operation and for the bank’s customers, feeling more safe in cash transferring for the management and effectiveness of services.

  10. Bank Stability and Competition: Evidence from Albanian Banking Market

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

    Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.

  11. Design issues in the production of hyper-books and visual-books

    Directory of Open Access Journals (Sweden)

    Nadia Catenazzi

    1993-12-01

    Full Text Available This paper describes an ongoing research project in the area of electronic books. After a brief overview of the state of the art in this field, two new forms of electronic book are presented: hyper-books and visual-books. A flexible environment allows them to be produced in a semi-automatic way starting from different sources: electronic texts (as input for hyper-books and paper books (as input for visual-books. The translation process is driven by the philosophy of preserving the book metaphor in order to guarantee that electronic information is presented in a familiar way. Another important feature of our research is that hyper-books and visual-books are conceived not as isolated objects but as entities within an electronic library, which inherits most of the features of a paper-based library but introduces a number of new properties resulting from its non-physical nature.

  12. An empirical analysis of macroeconomic and bank-specific factors affecting liquidity of Indian banks

    Directory of Open Access Journals (Sweden)

    Anamika Singh

    2016-06-01

    Full Text Available This paper investigates bank-specific and macroeconomic factors that determine the liquidity of Indian banks. To explore the association, we perform OLS, fixed effect and random effect estimates on a data set of 59 banks from 2000 to 2013. Studied bank-specific factors include bank size, profitability, cost of funding, capital adequacy and deposits. GDP, inflation and unemployment are the macroeconomic factors considered. We also perform liquidity trend analysis of Indian banks based on ownership. Findings reveal that bank ownership affects liquidity of banks. Based on panel data analysis, we suggest that bank-specific (except cost of funding and macroeconomic (except unemployment factors significantly affect bank liquidity. These include bank size, deposits, profitability, capital adequacy, GDP and inflation. Further, bank size and GDP were found to have a negative effect on bank liquidity. On the other hand, deposits, profitability, capital adequacy and inflation showed a positive effect on bank liquidity. Cost of funding and unemployment showed an insignificant effect on bank liquidity. Our paper highlights new facts for enhanced understanding of liquidity in emerging economies like India.

  13. The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2017-02-01

    Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

  14. KEWAJIBAN BANK UNTUK LAPOR PERPAJAKAN ATAS DATA NASABAH BANK YANG MENGGUNAKAN JASA KARTU KREDIT DITINJAU DARI PRINSIP KERAHASIAAN BANK

    OpenAIRE

    Haryono, Carissa Amelia

    2016-01-01

    Bank is the main actor in a country's economic. however, bank has a high dependency on their customers, which that means bank cannot operate without the people, in this case the customers who use their services. To maintain its bond with the customers, bank have to at least fulfill three principles, and one of those principles is principle of confidentiality. With the principle of confidentiality, bank have to keep well their customers privacy, but there are some affiliated party ...

  15. An analysis of river bank slope and unsaturated flow effects on bank storage.

    Science.gov (United States)

    Doble, Rebecca; Brunner, Philip; McCallum, James; Cook, Peter G

    2012-01-01

    Recognizing the underlying mechanisms of bank storage and return flow is important for understanding streamflow hydrographs. Analytical models have been widely used to estimate the impacts of bank storage, but are often based on assumptions of conditions that are rarely found in the field, such as vertical river banks and saturated flow. Numerical simulations of bank storage and return flow in river-aquifer cross sections with vertical and sloping banks were undertaken using a fully-coupled, surface-subsurface flow model. Sloping river banks were found to increase the bank infiltration rates by 98% and storage volume by 40% for a bank slope of 3.4° from horizontal, and for a slope of 8.5°, delay bank return flow by more than four times compared with vertical river banks and saturated flow. The results suggested that conventional analytical approximations cannot adequately be used to quantify bank storage when bank slope is less than 60° from horizontal. Additionally, in the unconfined aquifers modeled, the analytical solutions did not accurately model bank storage and return flow even in rivers with vertical banks due to a violation of the dupuit assumption. Bank storage and return flow were also modeled for more realistic cross sections and river hydrograph from the Fitzroy River, Western Australia, to indicate the importance of accurately modeling sloping river banks at a field scale. Following a single wet season flood event of 12 m, results showed that it may take over 3.5 years for 50% of the bank storage volume to return to the river. © 2011, The Author(s). Ground Water © 2011, National Ground Water Association.

  16. Foreign bank entry impacted domestic-owned banks in Ghana from 1975 to 2008

    Directory of Open Access Journals (Sweden)

    Nsiah K. Acheampong

    2013-12-01

    Full Text Available This article empirically examines the effects of foreign bank entry on the financial performance of Merchant Bank Ghana Limited and Ghana Commercial Banks Limited in Ghana from 1975 to 2008. The main result of the pooled regression was that foreign bank entry relatively increased domestic banks’ return on assets for the period 1992-2008; a period with a high influx of foreign banks into Ghana. This result supported the studies by Beck, Demirguc-Kunt, and Levine (2006 and Boldrin and Levine (2009 that found that foreign bank entry enhanced domestic banks profitability margins. The presence of foreign-owned banks was not detrimental to the financial performance of the domestic-owned banks in Ghana.

  17. Capital Adequacy in Banks: Reflections on Selected Banks in ...

    African Journals Online (AJOL)

    In principle, bank capital serves two functions. First, it represents the value of shareholder's equity, and secondly, it is the value of the buffer stock available to absorb unexpected losses. Because of this second function, it is argued that a bank's capital must be adequate. Adequate capital is the foundation of any banking ...

  18. Bank Control and the Number of Bank Relations of Japanese Firms

    NARCIS (Netherlands)

    Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

    2005-01-01

    We explore the determinants of the number of long-term bank relations of listed Japanese firms using a unique data set covering the period 1982-1999. Having a relation with a top-equity holding bank reduces the number of bank relations, while debt-rich and cash-poor firms have more bank relations.

  19. CERN Book Fair 2010 - Events and book presentations

    CERN Multimedia

    CERN Library

    2010-01-01

    A series of events and book presentations is scheduled for the 2010 CERN Book Fair.   -Springer will present its new products and services (eBooks, MyCopy Softcover Editions, SpringerBriefs, and a new physics journal: "Historical Perspectives on Contemporary Physics") and SpringerMaterials, the electronic version of the Landolt Boernstein book series. -Wiley will present two books: "A History of International Research Networking : The People who Made it Happen", edited by B. Bressan and H. Davies, and "Field computation for accelerator magnets : analytical and numerical methods for electromagnetic design and optimization" by S. Russenschuck. -Finally, World Scientific will present the series "Reviews of Accelerator Science and Technology (RAST)". The calendar is available here: http://indico.cern.ch/conferenceDisplay.py?confId=105651      

  20. Efficiency and Competition in the Malaysian Banking Market: Foreign versus Domestic Banks

    Directory of Open Access Journals (Sweden)

    Rossazana Ab-Rahim

    2017-08-01

    Full Text Available The aim of this paper is to investigate efficiency performance of Malaysian banking market using data envelopment analysis approach in the context of the increasing presence of foreign banks. Specifically, two measures of efficiency are constructed, cost and profit efficiency by utilizing bank-level data of Malaysian commercial banks, over the period 2003 to 2014. The results obtained show the domestic banks are more efficient than the foreign banks counterparts for both measures of efficiency. Next, the Lerner Index approach is employed to measure competition and finally, Granger causality tests are undertaken to answer the question, does competition foster efficiency? The results of causality tests support a positive effect of competition on cost and profit efficiency of Malaysian banks. With regard to the financial liberalization, the findings imply that higher competitive pressure may be offset the market power of individual banks; however, eventually it will results in efficiency gains of Malaysian banks.

  1. Does Concentration Matter for Bank Stability? Evidence from the Albanian Banking Sector

    Directory of Open Access Journals (Sweden)

    Shijaku Gerti

    2017-09-01

    Full Text Available Motivated by the debate on the concentration-stability nexus, this paper studies the impact of bank concentration on the likelihood of a country suffering systemic bank fragility. For this reason, we followed a new approach using on-site bank balance sheet information to construct our proxy that represents each bank stability condition and uses a variety of internal and external factors to estimate a balance panel dynamic two-step General Method of Moments (GMM approach for the period 2008 - 2015. First, results provide supportive evidence consistent with the concentration-fragility view. Second, macroeconomic variables seem to have a significant effect on bank stability, which is not found for the sovereignty primary risk. By contrast, the bank-specific variables have also a significant effect on bank stability conditions. Finally, non-systemic banks are found to be more sensitive to macroeconomic condition and market concentration, while the better capitalised banks are less sensitive to fragility at the expense of lower operation efficiency.

  2. Pricing linkage between Islamic banking and conventional banking: The case of Bangladesh

    Directory of Open Access Journals (Sweden)

    Sarwar Uddin Ahmed

    2014-11-01

    Full Text Available Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.   On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

  3. BLC Bank - Lebanon : Leading in Banking on Women

    OpenAIRE

    International Finance Corporation

    2016-01-01

    The overall objective of this study is to learn about the impact of International Finance Corporation’s (IFC) Banking on Women (BoW) Program in the Europe and Central Asia and the Middle East and North Africa (EMENA) through BLC Bank of Lebanon. The objective of this specific case study is to understand the success of the BoW program for BLC Bank in Lebanon in terms of the program’s contri...

  4. Four Popular Books on Consumer Debt: A Context for Quantitative Literacy

    Directory of Open Access Journals (Sweden)

    Andrew J. Miller

    2011-01-01

    Full Text Available The topics of credit cards, mortgages, subprime lending, and fringe banking are rich sources of problems and discussions for classes focused on quantitative literacy. In this theme book review, we look at four recent books on the consumer debt industry: Credit Card Nation, by Robert Manning; Maxed Out, by James Scurlock; Collateral Damaged, by Charles Geisst; and Broke, USA, by Gary Rivlin. Credit Card Nation takes a scholarly look at the history of credit in America with a focus on the genesis and growth of the credit card industry up to the turn of the 20th century. Maxed Out also examines the credit card industry, but its approach is to highlight the stories of individuals struggling with debt and thereby examine some of the damaging effects of credit card debt in the United States. Collateral Damaged is a timely exploration of the root causes at the institutional level of the credit crisis that began in 2008. Broke USA focuses on high-cost financing (pawn shops, payday loans, title loans, describing the history of what Rivlin calls the "poverty industry" and the political and legal challenges critics have mounted against the industry. Each of these books has something to offer a wide variety of quantitative literacy classes, providing scenarios, statistics, and problems worthy of examination. After reviewing each of the four books, we provide several examples of such quantitative literacy applications and close with some thoughts on the relationship between financial literacy and quantitative literacy.

  5. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

    Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

  6. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

    Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.

  7. Voltage stability analysis using a modified continuation load flow ...

    African Journals Online (AJOL)

    This paper addresses the rising problem of identifying the voltage stability limits of load buses in a power system and how to optimally place capacitor banks for voltage stability improvement. This paper uses the concept of the continuation power flow analysis used in voltage stability analysis. It uses the modified ...

  8. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  9. Cognitive Load in eCommerce Applications—Measurement and Effects on User Satisfaction

    Directory of Open Access Journals (Sweden)

    Peter Schmutz

    2009-01-01

    Full Text Available Guidelines for designing usable interfaces recommend reducing short term memory load. Cognitive load, that is, working memory demands during problem solving, reasoning, or thinking, may affect users' general satisfaction and performance when completing complex tasks. Whereas in design guidelines numerous ways of reducing cognitive load in interactive systems are described, not many attempts have been made to measure cognitive load in Web applications, and few techniques exist. In this study participants' cognitive load was measured while they were engaged in searching for several products in four different online book stores. NASA-TLX and dual-task methodology were used to measure subjective and objective mental workload. The dual-task methodology involved searching for books as the primary task and a visual monitoring task as the secondary task. NASA-TLX scores differed significantly among the shops. Secondary task reaction times showed no significant differences between the four shops. Strong correlations between NASA-TLX, primary task completion time, and general satisfaction suggest that NASA-TLX can be used as a valuable additional measure of efficiency. Furthermore, strong correlations were found between browse/search preference and NASA-TLX as well as between search/browse preference and user satisfaction. Thus we suggest browse/search preference as a promising heuristic assessment method of cognitive load.

  10. E-Books and E-Book Apps: Considerations for Beginning Readers

    Science.gov (United States)

    Bates, Celeste C.; Klein, Adria; Schubert, Barbara; McGee, Lea; Anderson, Nancy; Dorn, Linda; McClure, Erin; Ross, Rachael Huber

    2017-01-01

    This article highlights considerations for teachers when selecting and using e-books and e-book applications (apps) with beginning readers during guided and independent reading. A framework for examining e-books and e-book apps is suggested, and several apps and related digital features are described. The article also includes an overview of…

  11. Solar heating system at Quitman County Bank, Marks, Mississippi. Final report

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-06-01

    Information is provided on the solar heating system installed in a single story wood frame, cedar exterior, sloped roof building, the Quitman County Bank, a branch of the First National Bank of Clarksdale, Mississippi. It is the first solar system in the geographical area and has promoted much interest. The system has on-site temperature and power measurements readouts. The 468 square feet of Solaron air flat plate collectors provide for 2000 square feet of space heating, an estimated 60% of the heating load. Solar heated air is distributed to the 235 cubic foot rock storage box or to the load (space heating) by a 960 cubic feet per minute air handler unit. A 7.5 ton Carrier air-to-air heat pump with 15 kilowatts of electric booster strips serve as a back-up (auxiliary) to the solar system. Motorized dampers control the direction of airflow and back draft dampers prevent thermal siphoning of conditioned air. The system was turned on in September 1979, and acceptance testing completed in February 1980. This is a Pon Cycle 3 Project with the Government sharing $13,445.00 of the $24,921 Solar Energy System installation cost.

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

    Directory of Open Access Journals (Sweden)

    Sundas Rauf

    2013-12-01

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

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

    NARCIS (Netherlands)

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

    2010-01-01

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

  14. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  15. Analisis Perbandingan Kinerja pada Bank Nasional dan Bank Asing dengan Menggunakan Analisis Rasio Keuangan

    OpenAIRE

    Angel, Christania Graciella; Pusung, Rudy

    2014-01-01

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

  16. Simulation and analysis of transient over voltages due to capacitor banks switching

    International Nuclear Information System (INIS)

    Jadid, Sh.; Yazdanpanah, D.

    2002-01-01

    The switching of any capacitor bank produces over voltages. Transient overvoltage will always occur in the switching device, the switching of shunt capacitor bank has become the most common source of transient voltage on power systems. Transient over voltages due to switching the capacitor bands hurt not only to the capacitor banks, but also to other equipment, such as circuit breakers and transformers. Several methods are available for reducing energising transients. These devices include pre-insertion resistors, pre-insertion inductors,synchronous closing, and MOV arresters. However, not all are practical or economical. The other important problem is existence of capacitor banks in presence of harmonics.Capacitors do not produce harmonics;however,the addition of capacitors to the electrical system will change the frequency response characteristics of the system will change the frequency response characteristics of the system, and in some cases can result in magnification of the voltage and current distortion in the system. In other word in presence of harmonic-producing loads,the capacitors used for power factor correction,may cause parallel resonance with the system inductance, so they increase the total harmonic distortion of voltage and current waveforms

  17. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  18. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

  19. Best Books 1982.

    Science.gov (United States)

    School Library Journal, 1982

    1982-01-01

    This annotated bibliography lists 45 children's books and 29 young adult books selected by School Library Journal's Book Review staff and Young Adult Review committee, respectively. Arrangement is alphabetical by author with the grade level indicated for children's books. (EJS)

  20. STUDI KOMPARATIF KINERJA BANK SYARIAH DAN BANK KONVENSIONAL DALAM MENGHADAPI KRISIS GLOBAL BERDASARKAN RASIO KEUANGAN

    Directory of Open Access Journals (Sweden)

    Rohmawati Kusumaningtias

    2009-10-01

    Full Text Available At the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis. Keywords: shariah banking, conventional banking, performance.

  1. 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...

  2. GenBank

    OpenAIRE

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

    2012-01-01

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

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  4. Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

    OpenAIRE

    Astrini, Dwi Ayu

    2015-01-01

    Tujuan dilakukan penelitian ini adalah untuk mengetahui bagaimana peratuan Perundang-undangan yang melindungi nasabah bank pengguna internet banking dari ancaman cybercrime, dan bagaimana mekanisme perlindungan dan tanggungjawab yang diberikan pihak bank terhadap nasabah yang mengalami masalah dalam pengguna internet banking. Berdasarkan penelitian normatif disimpulkan bahwa; 1. Sumber hukum formal mengenai bidang perbankan, adalah UUD 1945 (Pasal 1 ayat 3), Undang-undang Nomor 7 Tahun 1992 ...

  5. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  6. Bank Ownership, Board Characteristics and Performance: Evidence from Commercial Banks in India

    Directory of Open Access Journals (Sweden)

    Jayati Sarkar

    2018-02-01

    Full Text Available We study the effect of board governance in state-owned and private banks by undertaking a study of commercial banks in India that has both bank groups. Covering a ten-year period from 2003 to 2012 that witnessed a large number of governance reforms in India, the results of our empirical analysis provide evidence of strong ownership effects with board independence exhibiting a significant positive correlation with the performance of private banks and a significant but negative correlation with the performance of state-owned banks. The effect of CEO duality is negative in state-owned banks where incidence of CEO duality is high. We find that a longer CEO tenure has significant positive effects on bank outcomes with these effects strengthening in the later years of CEO tenure. Our results have governance implications for strengthening the composition of board of directors and CEO tenure especially in state-owned banks.

  7. BOOK REVIEW. FUNCTION AND MEANING OF NGUSABA GEDE LANANG KAPAT RITUALS IN TRUNYAN VILLAGE

    Directory of Open Access Journals (Sweden)

    Nopita Trihastutie

    2015-06-01

    Full Text Available This book is the result of a historical, sociological and cultural study on the Ngusaba Gede Lanang Kapat ritual promoted by the Preservation Office of Balinese Cultural Values. In his forwards, the chairman states that this book is an effort to save the endangered cultural work and to load the local content in the areas where this work culture is alive and thriving (p. xi. Conducted in Trunyan, a village in which the daily life of the people governed by customary law, the result of the study presented in this book, as noted in the authors’ remarks (p. xii, provides a comprehensive understanding of Trunyan local genius as expressed in their customary rules, arts, rituals, and folklores.

  8. The banking union and the financial and banking system reform in EU

    Directory of Open Access Journals (Sweden)

    Alina Ligia Dumitrescu

    2013-04-01

    Full Text Available Coordination among supervisors in financial and banking system is vital, but the financial crisis has shown that is not enough, and especially in the context of a single currency would require more common actions in EU. Therefore, the European Commission proposed “the creation of a banking union”, in order to place the banking sector on a more solid base and to restore confidence in the single currency, as part of a longer-term vision for the promotion of the economic and fiscal integration. Therefore, the new direction of the reform of the financial sector is "the creation of a banking union", that will help: to strengthen banks supervision, to ensure better deposits security, to recapitalize banks and last but not least to achieve the centralized management of the banking crises.

  9. Development of E-Book Multimedia Model to Increase Critical Thinking of Senior High School Students

    Directory of Open Access Journals (Sweden)

    Suparno Suparno

    2018-03-01

    Full Text Available This study aims to develop the interactive e-book multimedia model to improve the students' critical thinking ability (KBK. Critical thinking is very important to develop because it provides a high level of reasoning thinking that provides permanent experience to students through conscious and controlled decision making in a rational, reflective, responsible manner with the optimization of potential. Flash-based e-book media is capable of interactively loading videos, pictures, practice questions and learning with directed directions from the teacher. The research method developed is research and development. The output products are learning plan, KBK evaluation question, flash-based interactive e-book multimedia, and quasi experiment to see media effectiveness to KBK. The results showed that e-book multimedia is able to significantly increase the KBK of high school students in economic learning.

  10. Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

    Directory of Open Access Journals (Sweden)

    Muhamad Abduh

    2008-01-01

    Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

  11. ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

    Directory of Open Access Journals (Sweden)

    Gatot Nazir Ahmad

    2014-04-01

    Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

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

    OpenAIRE

    Makosana, Musa

    2014-01-01

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

  13. FEATURES OF SELECTION OF CAPACITOR BANKS IN ELECTRIC NETWORKS WITH INTERHARMONIC SOURCES

    Directory of Open Access Journals (Sweden)

    Yu. L. Sayenko

    2017-10-01

    Full Text Available Purpose. Development of a methodology for selecting capacitor bank parameters designed to compensate for reactive power, if there are sources of interharmonics in the electrical network. Development of a methodology for selecting the parameters of capacitor banks that are part of resonant filters of higher harmonics and interharmonics. Methodology. For the research, we used the decomposition of the non-sinusoidal voltage (current curve into the sum of the harmonic components with frequencies as multiple of the fundamental frequency - higher harmonics, and not multiple fundamental frequencies - interharmonics. Results. Expressions are obtained for checking the absence of inadmissible overloads of capacitor banks by voltage and current in the presence of voltage (current in the curve, along with higher harmonics, of the discrete spectrum of interharmonics. When selecting capacitor banks, both for reactive power compensation and for filter-compensating devices, the necessity of constructing the frequency characteristics of the input and mutual resistances of the electrical network for analyzing possible resonant phenomena is confirmed. Originality. The expediency of simplified calculation of the voltage variation at the terminals of the banks of the capacitors of the higher harmonics filters and interharmonics due to the presence of the reactor in the filters is substantiated. Practical value. The use of the proposed approaches will make it possible to resolve a number of issues related to the choice of parameters of capacitor banks in networks with nonlinear loads, including: ensuring reliable operation of capacitor banks when their parameters deviate from their nominal values, as well as deviations in the parameters of the supply network and sources of harmonic distortion; ensuring the absence of resonant phenomena at frequencies of both higher harmonics and interharmonics.

  14. Note: Compact high voltage pulse transformer made using a capacitor bank assembled in the shape of primary.

    Science.gov (United States)

    Shukla, Rohit; Banerjee, Partha; Sharma, Surender K; Das, Rashmita; Deb, Pankaj; Prabaharan, T; Das, Basanta; Adhikary, Biswajit; Verma, Rishi; Shyam, Anurag

    2011-10-01

    The experimental results of an air-core pulse transformer are presented, which is very compact (capacitor bank that is fabricated in such a way that the capacitor bank with its switch takes the shape of single-turn rectangular shaped primary of the transformer. A high voltage capacitor assembly (pulse-forming-line capacitor, PFL) of 5.1 nF is connected with the secondary of transformer. The transformer output voltage is 160 kV in its second peak appearing in less than 2 μS from the beginning of the capacitor discharge. The primary capacitor bank can be charged up to a maximum of 18 kV, with the voltage delivery of 360 kV in similar capacitive loads.

  15. 76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-27

    ..., and Logan County Bank, Lincoln, Illinois. C. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen L. Grobel, Tabb... thereby indirectly acquire voting shares of First Community Bank, Glasgow, Montana. In addition, Stephen L...

  16. Book Review

    Directory of Open Access Journals (Sweden)

    Adrian Brown

    2011-01-01

    Full Text Available Phillip M. Morse and Herman Feshbach, Professors of Physics at the MIT, published their biblical-sized textbook ‘Methods of Theoretical Physics’ with McGraw-Hill in May 1953. At 1978 pages and published in two books, it is an intimidating twin tome that should still be atop the reading lists or the bookshelves of every mathematical physicist. What material is covered in this book? In the most concise of terms, this book is devoted to the study of differential equations and associated boundary conditions that describe physical fields. The thirteen chapters address what circumstances warrant the use of which differential equations, and most often addresses the question of coordinate system transformations, for example, how do Green's functions for Laplace's Equation transform under different coordinate systems? Under what circumstances the solutions can be expected to be separable? Many examples are covered to illustrate these points. Why is this book relevant to Software Programmers? This book is part of the background that any scientific programmer is likely to need in dealing with physical fields. This book was written before personal computers became ubiquitous, however it is still an outstanding effort to tie the methods of solving differential equations governing fields together in one book. The book never received a second edition, however, it was reprinted to an outstanding standard by Feshbach Publishing since 2004, run by the children of Herman Feshbach. Their website is feshbachpublishing.com. The majority of this review is a mini-commentary of the book showing what is covered in a very terse fashion, which may be useful as a summary even for those who have already read the full text. I then give a brief analysis of the approach to mathematical physics taken by the book. Finally, I will discuss who will benefit from reading this magnificent treatise, nearly 60 years after it was first published.

  17. Effects of e-banking on growth of customer base in kenyan banks

    OpenAIRE

    Okibo, Bichanga Walter; Wario, Ali Yattani

    2014-01-01

    The study highlights the effects of E-banking services on growth of customer base in Kenyan banks for over the last five years. It addresses issues that affect effective utilization of E-banking facilities by customers. The study generally investigates how lack of technological know-how, illiteracy, unreliability, and transaction limits has hindered growth of on-line customer base in Kenyan banks. E-banking provides enormous benefits to consumers in terms of time saving and cost of transactio...

  18. FAKTOR PENENTU RETURN SAHAM DENGAN PRICE TO BOOK VALUE SEBAGAI VARIABEL MODERASI DI BURSA EFEK INDONESIA

    Directory of Open Access Journals (Sweden)

    Sri Lestari Kurniawati

    2017-03-01

    Full Text Available The purpose of this study was to exemine the effect of the company’s financial performance variables consistingof earning growth ratio, dividend payout ratio and size, the variable return equity price to book value as amoderating variable. The samples in this study were all companies listed on the Indonesia Stock Exchangefrom 2005 to 2010 by using purposive sampling with criteria that the company had a positive book value ofequity during the study period. The company splitted the cash dividend and the company did not do corporateactions such as stock splits, reverse stock, stock dividend. The data used in this study were all companies listedon the Indonesia Stock Exchange from 2005 to 2010 (except for companies engaged in finance and banking byusing multiple linear regression to test the interaction or Multiple Regresion Analysis (MRA. The studyfound that the price to book value was not able to significantly moderate the effect of earning growth ratio,dividend payout ratio and size toward the stock return variable for the interaction test results showed thesignificant value was greater than interaction of alpha as 5%.

  19. Children’s Book Illustrations: Visual Language of Picture Books

    Directory of Open Access Journals (Sweden)

    Hladíková Hana

    2014-01-01

    Full Text Available High-quality picture books that merge text and illustration together in order to tell a story are eminent for healthy mental and social growth of children. This paper is to outline the benefits picture books bring to children between the ages three to eight, determine functions of its illustrative language, examine the process of its production, and point out a set of elements that, according to number of professional children's book illustrators, significantly contribute to the success of a picture book

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

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

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

  1. GenBank

    OpenAIRE

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

    2008-01-01

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

  2. EVALUASI PENERAPAN PENGUKURAN KINERJA BANK DENGAN PENDEKATAN BALANCED SCORECARD PADA BANK PAPUA (Persero)

    OpenAIRE

    TRI REJEKI, TALHA

    2014-01-01

    2014 ABSTRAK Evaluasi Penerapan Pengukuran Kinerja Bank Dengan Pendekatan Balanced Scorecard Pada Bank Papua (Persero). Evaluation of the Implementation of Bank Performance Measurement Balanced Scorecard Approach To Bank of Papua ( Persero ) . Talha Tri Rejeki Yulianus Sampe M. Christian Mangiwa Penelitian ini bertujuan untuk mengetahui gambaran kinerja Bank Papua Persero), Tbk dengan pendekatan balanced scorecard dari segi ...

  3. The Consolidation on Banking Supervision in the Context of a Pan European Banking System

    Directory of Open Access Journals (Sweden)

    Teodora Barbu

    2007-03-01

    Full Text Available The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must be emphasized the necessity of consolidating banking supervision at an European level, considering that the International Banking Community studies the problematic of banking regulations at a global level. The two dimensions of the prudential and European bank supervision device – the geographic and the institutional – demand the creation of a structural reform in order to ensure the functioning of a Pan European system of banking supervision and regulations. The considerations on the Consolidation of European Banking Supervision draws into discussion the Financial Supervision Authority which has generalized as an applicable model in numerous European countries and has been mentioned as an alternative of Pan European banking supervision. In the process of the integration of the banking sector, the Basel II Accord represents an opportunity in reaching a convergence of national regulations and practices in matters of risk management, considering that these actions are in line with the preoccupations of realizing a Pan European banking system. Thus, the creation of Pan European banking system involves actions in more directions: legal, institutional, operational meant to ensure the consolidation of banking supervision.

  4. English Book Club

    CERN Multimedia

    English Book Club

    The minutes of the AGM held on Tuesday November 17th can now be found on the club web-site: http://club-englishbookclub.web.cern.ch. A new version of the club’s book data-base is also available on the web: http://club-englishbookclub.web.cern.ch/club-englishbookclub/Export/index.html The last book selection for 2009 is done and the order for the new books has been placed, with luck they will be on the shelves before the end of year break. The English Book Club has a growing collection of over 4500 English language books, mostly general fiction with a sprinkling of nonfiction and children’s books. New books are purchased regularly and the books are shelved in our club room which is accessible to members at all times. Membership is open to all (staff and external) and there is a special tariff for short term students. See the club’s website at http://cern.ch/englishbookclub for more details.

  5. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

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

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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

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

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

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

  8. The Bankers’ New Clothes – What’s Wrong with Banking and What to Do about It

    Directory of Open Access Journals (Sweden)

    Fernando Moreira

    2017-05-01

    Full Text Available Sometimes inaccurate arguments are repeated so often and with impressive (apparent authority that most people take them for granted. Anat Admati and Martin Hellwig illustrate one of these situations in their book The Bankers’ New Clothes: What’s Wrong with Banking and What to Do about It. By using a pun inspired by the classic tale The Emperor’s New Clothes by Hans Andersen, Admati and Hellwig guide us around the world of the “bankers’ new clothes”, that is,  “flawed and misleading claims that are made in discussions about banking regulation” (p. 9. In the tale, everybody initially pretends to see the emperor’s invisible clothes in order not to appear stupid given that the invisible clothes were made by two (allegedly highly skilled weavers.   

  9. Legibility difference between e-books and paper books by using an eye tracker.

    Science.gov (United States)

    Kim, Jung-Yong; Min, Seung-Nam; Subramaniyam, Murali; Cho, Young-Jin

    2014-01-01

    The aim of the study was to evaluate the difference in legibility between e-books and paper books by using an eye tracker. Eight male and eight female subjects free of eye disease participated in the experiment. The experiment was conducted using a 2 × 3 within-subject design. The book type (e-book, paper book) and font size (8 pt, 10 pt, 12 pt) were independent variables, and fixation duration time, saccade length, blink rate and subjective discomfort were dependent variables. In the results, all dependent variables showed that reading paper books provided a better experience than reading e-books did. These results indicate that the legibility of e-books needs further improvement, considering fixation duration time, saccade movement, eye fatigue, device and so on. This study evaluated the legibility difference between e-books and paper books from the viewpoint of readability, eye fatigue and subjective discomfort by using an eye tracker. The results showed that paper books provided a better experience than e-books. This indicates that the readability of e-books needs further improvement in relation to paper books.

  10. The Effects of Foreign Bank Participation on the Turkish Banking System and Crisis

    Directory of Open Access Journals (Sweden)

    Suleyman Degirmen

    2015-08-01

    Full Text Available There is an assertion that the participation of foreign banks in emerging markets is often thought to improve overall bank soundness. Therefore, if the share of foreign banks in a national banking system is large, the system will quickly overcome both financial or currency crises, and quickly recover itself. Since Turkey has been experienced mentioned crises, the aim of this study is to reveal if the assertion is valid for Turkey. Our expectation from the study using VAR method is to reach a conclusion that countries with large market share of foreign banks have safely passed the crises by virtue of foreign banks’ best management policies. The test results indicate that foreign banks have more positive effect for helping TBS capital structure; foreign bank participation did not cause any decline in loans and last one, after crisis, existence of foreign banks worsens TBS’ liquidity in interest and exchange rate shocks.

  11. Book Review: Book review

    Science.gov (United States)

    Wegener, Daan

    Writing a biography of a complex personality and mastermind like Albert Einstein is a daunting task for any historian of science. Yet the sheer temptation of writing his biography has apparently helped to overcome scholarly scruples, as biographies of Einstein have appeared quite regularly on the market. One of them is Einstein: his Life and Universe by journalist Walter Isaacson. It is a best-seller, which is one of the reasons the book deserves a critical evaluation. Isaacson is a man of considerable repute: he has been the chairman of CNN and managing editor of Time magazine. Isaacson's Einstein is written in a style that is accessible to a wide audience. Scholars who are already familiar with Einstein's physics may still enjoy the parts of the book that deal with the relation between Einstein and the press. Indeed, the breadth of its scope is the book's major merit, as it connects the personal, scientific, public and political dimensions of Einstein's life. In this review, I discuss Isaacson's treatment of these dimensions one-by-one.

  12. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  13. The book thief

    Directory of Open Access Journals (Sweden)

    Leandro Diniz

    2008-04-01

    Full Text Available The Book Thief (The Book Thief, in the original is an Australian writer of the novel juvenile Markus Zusak, published in 2006. In Brazil, his work was launched in March 2007 by the publisher Intrinsically, translated by Vera Ribeiro, and so far has sold nationally more than 105 thousand copies. Among the nine books that the author has published, only two books have translated into Portuguese: I am the messenger and The Book Thief.

  14. Modular load flow for restructured power systems

    CERN Document Server

    Hariharan, M V; Gupta, Pragati P

    2016-01-01

    In the subject of power systems, authors felt that a re-look is necessary at some conventional methods of analysis. In this book, the authors have subjected the time-honoured load flow to a close scrutiny. Authors have discovered and discussed a new load flow procedure – Modular Load Flow. Modular Load Flow explores use of power – a scalar – as source for electrical circuits which are conventionally analysed by means of phasors – the ac voltages or currents. The method embeds Kirchhoff’s circuit laws as topological property into its scalar equations and results in a unique wonderland where phase angles do not exist! Generators are shown to have their own worlds which can be superimposed to obtain the state of the composite power system. The treatment is useful in restructured power systems where stakeholders and the system operators may desire to know individual generator contributions in line flows and line losses for commercial reasons. Solution in Modular Load Flow consists of explicit expression...

  15. moriam Books

    African Journals Online (AJOL)

    This slim, plastic covered, 'pocket' book comprises a total of 144 pages. It is written in text book form with a user- friendly indexing system. The book has a number of special features: • It is brief, contains core material, yet does not omit discussion on problems of definition and classification. • It straddles both ICD 10 and DSM ...

  16. Islamic Banking in the West : the Need for Islamic Banking in the Uk

    OpenAIRE

    Alowd, Jehad; Wodie, Astede

    2013-01-01

    The Islamic banking system has gained momentum worldwide. The last two decades have witnessed the emergence of Islamic banking as a viable banking system. This study is designed to investigate the awareness, needs, and motives of Muslims towards Islamic Banking in the UK. The objectives of the study are as follow; to find out the motives and needs of Muslims in the UK towards Islamic banking, to test Muslim's attitudes towards some of the principles of Islamic banking, and to find out the lev...

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

    OpenAIRE

    Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

    2010-01-01

    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 tell...

  18. Adapting to e-books

    CERN Document Server

    Miller, William

    2013-01-01

    Electronic books are now having a major impact on library collections. This book provides models for acquisitions policies and reports on several surveys of faculty and librarian attitudes toward e-books. It discusses issues in acquiring cataloguing and collection development regarding this important new library resource.Its subject matter deals with the different types of e-books, statistical data available for e-book usage, the development of e-book collections, learning environments, integrating e-books into local catalogues, acquisitions and usage monitoring of e-books.Thi

  19. TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Muchlis Yahya

    2017-03-01

    Full Text Available banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1, Moslem customers that saved money both in shariah and conventional banks (n2, non-Moslemcustomers (n3. This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.

  20. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  1. 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

  2. Banks and Banking Business in Russia in the Face of International Sanctions

    Directory of Open Access Journals (Sweden)

    Galina S. Panova

    2016-01-01

    Full Text Available The article provides an analysis of the present condition and prospects of development of banks and the banking business in the face of international sanctions. It identifies current trends, problems and the risks of banks and banking in Russia and in the world. Special attention is paid to the analysis of sectoral international sanctions against the Russian banks and the need to minimize negative impact of sanctions on the banking business, both nationally and internationally. Great value in these conditions has the state monetary policy. Anti-crisis policy pursued by the Bank of Russia, in a context of stagnating economy, leads to a reduction in the Russian share in the world economy and increases in the standard of living gap with the developed countries. The article argues that Russia's economic growth opportunities in 2016 are limited by restriction level of bank interest, the high volatility of the exchange rate of the national currency, insufficient development of credit relations, tough, high-budget (at the level of developed Europe tax burden, increasing administrative costs, dramatically increasing the concentration of risks of subjective decisions at the present stage of the electoral cycle. In a situation of uncertainty of predictions regarding the scope and duration of the application of sanctions, the Russian Government and the Central Bank of the Russian Federation had rightly seek to use a combination of anti-sanctions measures of austerity measures on introduction of contra-sanctions to create more comfortable conditions for doing business in Russia and her allies from member countries of Eurasian Economic Union, SCO, BRICS. The article examines the strategic aspects of development banks and banking business in Russia under the new circumstances. Given the practical recommendations on improvement of the development strategy of banks in Russia. The necessity to improve the theoretical, conceptual, methodological, her reasoning

  3. PENGARUH KUALITAS PELAYANAN INTERNET BANKING TERHADAP KEPUASAN DAN LOYALITAS KONSUMEN PADA BANK SWASTA

    Directory of Open Access Journals (Sweden)

    Yusnaini -

    2012-03-01

    Full Text Available Tujuan Penelitian ini adalah untuk mengkaji mutu internet banking terhadap kepuasan pelanggan. Pesertanya sebanyak 145 pelanggan yang biasanya menggunakan internet banking dalam melakukan transaksi pada 5 perbankan di Palembang. Regresi ganda dan sederhana digunakan untuk menguji hipotesis. Hasilnya menunjukkan bahwa kualitas internet banking bisa mempengaruhi kepuasan pelanggan. Dimension of tangible, responsiveness and empathy mempunyai dampak yang signifikan, tetapi tidak berlaku untuk dimension of reliability and assurance.  Penelitian ini juga menemukan bahwa kepuasan pelanggan berdampak signifikan terhadap kesetiaan pelanggan bank. AbstractThis study examines the effects of internet banking quality to the customer satisfaction. A number of 145 customers that use internet banking for their transactions in 5 banks located in Palembang are selected as the data. Multiple and simple regressions are used to investigate hypothesis.The result shows that internet banking quality can influence the customer satisfaction. Dimensions of tangible, responsiveness and empathy have significant effects, but dimension of reliability and assurance are unsignificant. This study also finds that the customer satisfaction has significant effect to the bank customer loyalty. Keywords: internet banking; service quality; customer satisfaction

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

    African Journals Online (AJOL)

    The spate of armed robbery attack on banks in the last decade has been alarming. It is hoped with the current Central Bank of Nigeria (CBN) cashless policy there will be a drastic drop in such incidents. However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount ...

  5. PENGARUH IKATAN HUBUNGAN, CITRA PERUSAHAAN, NILAI PELANGGAN, KUALITAS DAN KEPUASAN NASABAH TERHADAP LOYALITAS NASABAH BANK PEMERINTAH DI JAWA TENGAH

    Directory of Open Access Journals (Sweden)

    Naili Farida

    2012-05-01

    Full Text Available Abstract The study discusses about the integration of relational bonding, relational quality, customer satisfaction, and customer loyalty at the state-owned bank in Central Java. The locations of research include Semarang City, Surakarta City, and Cilacap City. Research method uses multi stage sampling. The sample of research counts to 278 customers of Regular Saving from Bank Negara Indonesia (BNI, Bank Mandiri, Bank Rakyat Indonesia, Bank Tabungan Negara, and Bank Pembangunan Jateng. The hypothesis test in this research employs descriptive analysis and Structural Equation Modeling (SEM. The descriptive analysis has loading factor and 5 % significance rate. The objective of research will be to understand and to analyze the relational bonding between the Bank customers through corporate image, customer value, and relational quality as well as customer satisfaction on customer loyalty. The state-owned banks in Central Java already use this model. Result of research in relative with the result of SEM analysis indicates that the relevancy of relational bonding, corporate image, customer value, and customer satisfaction has significant effect on customer loyalty. Therefore, this model should be developed by the state-owned banks to increase the customer loyalty. Keywords: Relational bonding, Corporate image, Customer value, Relational quality, Service quality, Customer loyalty

  6. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  7. Excellency in banking services - A new road map for banks in the emerging new competition

    Directory of Open Access Journals (Sweden)

    R. K. Uppal

    2011-01-01

    Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

  8. Analysis on Corporate Governance Influences toward Banking Efficiency with Bank Category as Moderator Variable

    Directory of Open Access Journals (Sweden)

    Lidiyawati Lidiyawati

    2015-05-01

    Full Text Available Corporate governance system of Sharia financial institution that based on Islamic law may result more  variables principles then conventional owns. The restriction of usury are highly speculative transaction, embedded prohibited matter are main features in Sharia business institution. Sharia Supervisory Board, as board that supervises banking practices conforms to Sharia stipulations, hold strong important role within Islamic banking. Both important points above had direct effects on efficiency which attained by Islamic banking compared with conventional banking. This study examines the influence of corporate governance implementation toward efficiency banking sector with bank category as moderator variable. This study hypothesize that corporate governance has significant influences toward bank’s efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamicbank efficiencies is higher than conventional bank. Measurement of efficiencies is using Stochastic Frontier Approach program, and then using SPSS in procces hypothetical model. The results of the study do not support the hypothesis. Examined result shows that statically corporate governance is not influenced by bank efficiency achievement. Corporate governance influences over Islamic bank has not show higher significance than conventional and Islamic bank efficiencies remain steady. Data limitations, complexity of the efficiency measures and the complexity of the operation of Islamic banks may explain the finding.

  9. 78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-07

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

  10. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    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

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

    Directory of Open Access Journals (Sweden)

    ALINA LIGIA DUMITRESCU

    2014-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Memdani Laila

    2017-08-01

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

  13. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... such activities constitute a materially important line of business to its members. Also, investments... banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615...

  14. Bank Financing for SMEs : Evidence Across Countries and Bank-Ownership Types

    NARCIS (Netherlands)

    Beck, T.H.L.; Demirgüc-Kunt, A.; Martinez Peria, M.

    2009-01-01

    Using data for 91 large banks from 45 countries, this paper finds few differences in the extent, type, and pricing of SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different lending technologies and have different organizational

  15. 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...

  16. Electricity Crisis and Load Management in Bangladesh

    Directory of Open Access Journals (Sweden)

    Rajib Kanti Das

    2012-09-01

    Full Text Available Bangladesh is a densely populated country. Only a small part of her area is electrified which cover around 18% of total population. The people who are in the electrified area are suffering from severe load shedding. A systematic load management procedure related to demand side may improve the situation is the research problem. The major objectives serve by the research are to analyze contemporary electricity status with a view to drawing inference about demand supply gap and extracting benefits from load management. Data supplied by the Bangladesh Power Development Board, World Bank and outcome of survey are analyzed with some simple statistical tools to test the hypothesis. Analysis discloses that with properly managed uses of electricity with load switch and rotation week-end can improve the concurrent condition of electricity. Moreover, introducing smart distribution system, reducing system loss, shifting load to off-peak, large scale use of prepaid mete, observing energy week and using energy efficient home and office appliance are recommended to improve load through demand side management. Some other recommendations such as introducing alternative energy, public private partnership and using renewable energy development and producing energy locally are made for load management from the supply side.

  17. Inelastic behavior of materials and structures under monotonic and cyclic loading

    CERN Document Server

    Brünig, Michael

    2015-01-01

    This book presents studies on the inelastic behavior of materials and structures under monotonic and cyclic loads. It focuses on the description of new effects like purely thermal cycles or cases of non-trivial damages. The various models are based on different approaches and methods and scaling aspects are taken into account. In addition to purely phenomenological models, the book also presents mechanisms-based approaches. It includes contributions written by leading authors from a host of different countries.

  18. COGNITIVE LOAD THEORY Written by John SWELLER, Paul AYRES, and Slava KALYUGA,

    Directory of Open Access Journals (Sweden)

    Reviewed by Kadir KOZAN

    2013-04-01

    Full Text Available Cognitive load theory (2011 by John Sweller, Paul Ayres, and Slava Kalyuga presents the state-of-the art form of cognitive load theory (CLT including instructional guidelines produced by the theory so far. The book achieves this in a precise, detailed and well-organized manner thereby being very informative from the very beginning to the very end. For instance, even the preface provides an ample amount of information about CLT after stating the main premise of this theory: “Without knowledge of human cognitive processes, instructional design is blind.” (p. v. As stated in the book, CLT is that sort of a theory that informs instructional design from a cognitive perspective or on the basis of how human cognition works.

  19. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

    Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

  20. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  1. The effect of quality of electronic banking services on agility of a bank

    Directory of Open Access Journals (Sweden)

    Hooman Pourmohammad

    2016-07-01

    Full Text Available Studies have shown that in service organizations, quality can have a growth in customer satisfaction as its consequence, and when it regards the banking services, factors are brought up with regard to the quality of banking services, which include the speed in responding, providing products proportionate to the customer needs, and gaining competence. These concepts are shared by the issue of organizational agility; hence, the qualities as well as the bank's agility of the banking system embrace these concepts in common. Therefore, the study aims at studying the effect of the quality of electronic banking services on the bank's agility, and assesses the role of two mediator variables of the quality of service system and personnel behavior quality. Using a questionnaire comprised of 76 items about the above components and asking the line personnel in Bank Saderat Iran (BSI in the branches both inside and outside of Iran, the research data was collected, and stratified random sampling was used. To analyze the data, the Structural Equation Model (SEM was used and the PLS software was employed to perform the computations. Results indicated that the model of the study has a high Goodness of Fit, and the quality of the electronic banking services had a significant effect on the bank's agility. In addition, the quality of electronic banking services affects the service system quality. The system service quality, also affects the employees' behavior. Therefore, it can be said that the electronic services quality and the bank's agility affect the personnel behavior quality through the mediated effect of the service system quality. The results of the present study can help the bank's executives to promote their bank's agility and the personnel behavior quality.

  2. PELAKSANAAN SHARIA COMPLIANCE PADA BANK SYARIAH (STUDI KASUS PADA BANK SYARIAH MANDIRI, JAKARTA)

    OpenAIRE

    Ade Sofyan Mulazid

    2016-01-01

    The Implementation of Sharia Compliance at Islamic Bank (Case Study on Mandiri Syariah Bank, Jakarta). This study is aimed at finding out the controlling system and the implementation of supervision of compliance of Bank Indonesia (BI) and Sharia Supervisory Board toward the Mandiri Syariah Bank; how is the implementation and its internal audit, what are the roles and responsibilities of the director of compliance for all stakeholders of compliance unit of Bank Syariah Mandiri. Th...

  3. The anatomy of bank performance during transition: A separate efficient frontier analysis of Ukrainian banks

    Directory of Open Access Journals (Sweden)

    Ihsan Isik

    2016-04-01

    Full Text Available By drawing on Ukrainian experience, this paper analyzes the anatomy of bank efficiency in a transitional economy. Acknowledging the vast disparities in the business technology of different size banks, in this comprehensive study, we innovatively estimate group-specific (distinct frontiers for small, medium, and large size banks. The results from separate frontiers reveal that Ukrainian banks record 38% technical inefficiency, 26% pure technical inefficiency, and 17% scale inefficiency on average. Apparently, banks in transition waste about the two fifths of their factor inputs during the production of financial services. The cardinal source of sub-performance in transitional banks seems to be managerial inefficiencies. We also found that banks operating in areas with more political influence and more developed infrastructure outperform the banks operating in politically and economically weaker regions. The results also indicate that larger banks, enjoying public trust in a risky business climate, dominate smaller banks in all forms of efficiency. However, such bias for size causes large banks to suffer from decreasing returns to scale and small banks from idle capacity. Consequently, the policies promoting consolidation between small and large banks may alleviate the excess (idle capacity for large (small banks in a transitional economy.

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

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

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

  5. Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

    Directory of Open Access Journals (Sweden)

    Ali Rezaeian

    2018-03-01

    Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

  6. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  7. Learning anatomy via mobile augmented reality: Effects on achievement and cognitive load.

    Science.gov (United States)

    Küçük, Sevda; Kapakin, Samet; Göktaş, Yüksel

    2016-10-01

    Augmented reality (AR), a new generation of technology, has attracted the attention of educators in recent years. In this study, a MagicBook was developed for a neuroanatomy topic by using mobile augmented reality (mAR) technology. This technology integrates virtual learning objects into the real world and allow users to interact with the environment using mobile devices. The purpose of this study was to determine the effects of learning anatomy via mAR on medical students' academic achievement and cognitive load. The mixed method was applied in the study. The random sample consisted of 70 second-year undergraduate medical students: 34 in an experimental group and 36 in a control group. Academic achievement test and cognitive load scale were used as data collection tool. A one-way MANOVA test was used for analysis. The experimental group, which used mAR applications, reported higher achievement and lower cognitive load. The use of mAR applications in anatomy education contributed to the formation of an effective and productive learning environment. Student cognitive load decreased as abstract information became concrete in printed books via multimedia materials in mAR applications. Additionally, students were able to access the materials in the MagicBook anytime and anywhere they wanted. The mobile learning approach helped students learn better by exerting less cognitive effort. Moreover, the sensory experience and real time interaction with environment may provide learning satisfaction and enable students to structure their knowledge to complete the learning tasks. Anat Sci Educ 9: 411-421. © 2016 American Association of Anatomists. © 2016 American Association of Anatomists.

  8. 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...

  9. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

    Full Text Available The study analyzes the competition on the banking market and proposes an overview of debt collection companies through the economic crisis which has profoundly affected the banking sector. Article scroll through the main features of competition on the banking market as well as the domain weaknesses that negatively influenced the banking system performance. Even if there is not a sufficiently transparent and functional legal framework and debt recovery market is not supervised enough, it is among the few markets that increase from year to year. Increasing competition from adjacent companies that compete with banks, namely, a non-banking entity, it is stimulating the banking system which will thus become more constructive. It is estimated, that in terms of customers, there will be no differentiation between the banking industry and non-banking entities that will reshape the Romanian banking system soon. Also, the study aims to highlight the existence of debt collection companies, implicitly, the specific markets, it is only a consequence of excessive, unnecessary and dangerous borrowing from previous years. Avoiding bad loans from banks, a fair competition from banks and from non-banking institutions, in the long term, it will generate a balance in the market and it will support economic growth of Romania.

  10. Book Review: Book review

    Science.gov (United States)

    Wang, Christina Yan

    2017-02-01

    The world class Ni-Cu-PGE sulfide deposits associated with the Sudbury Igneous Complex (SIC) are quite unique on earth in the sense that the energy source and origin were triggered by a large meteorite impact event. The ore deposits in the SIC make up one of the largest Ni-Cu-PGE sulfide deposit camps in the world and have now been mined for over 100 years. This is the first complete reference book that focuses entirely on the SIC and covers the fields of economic geology, petrology, geochemistry and geophysics. The purpose of this book is to explore the linkage between sulfide and silicate magmas generated by the 1.85 Ga Sudbury impact event and to unite an understanding of the process of crustal melt sheet evolution with the formation of the magmatic sulfide mineralization. The author, Peter Lightfoot, has been based in Sudbury for 25 years. As a top scientist on magmatic Ni-Cu-PGE sulfide deposits and a Chief Geologist with the Brownfield Exploration group at Vale Base Metals, Peter has been positioned to develop and assemble the ideas presented in this book, which are perfectly balanced between industry and academia.

  11. The role of bank collapse on tidal creek ontogeny: A novel process-based model for bank retreat

    Science.gov (United States)

    Gong, Zheng; Zhao, Kun; Zhang, Changkuan; Dai, Weiqi; Coco, Giovanni; Zhou, Zeng

    2018-06-01

    Bank retreat in coastal tidal flats plays a primary role on the planimetric shape of tidal creeks and is commonly driven by both flow-induced bank erosion and gravity-induced bank collapse. However, existing modelling studies largely focus on bank erosion and overlook bank collapse. We build a bank retreat model coupling hydrodynamics, bank erosion and bank collapse. To simulate the process of bank collapse, a stress-deformation model is utilized to calculate the stress variation of bank soil after bank erosion, and the Mohr-Coulomb failure criterion is then applied to evaluate the stability of the tidal creek bank. Results show that the bank failure process can be categorized into three stages, i.e., shear failure at the bank toe (stage I), tensile failure on the bank top (stage II), and sectional cracking from the bank top to the toe (stage III). With only bank erosion, the planimetric shapes of tidal creeks are funneled due to the gradually seaward increasing discharge. In contrast to bank erosion, bank collapse is discontinuous, and the contribution of bank collapse to bank retreat can reach 85%, highlighting that the expansion of tidal creeks can be dominated by bank collapse process. The planimetric shapes of tidal creeks are funneled with a much faster expansion rate when bank collapse is considered. Overall, this study makes a further step toward more physical and realistic simulation of bank retreat in estuarine and coastal settings and the developed bank collapse module can be readily included in other morphodynamic models.

  12. Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

    OpenAIRE

    Muhamed Saeed Baashar, Yahya Abd Elwahab

    2010-01-01

    Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

  13. Role of Islamic Banking and Conventional Against Poverty with The Dual Banking System

    Directory of Open Access Journals (Sweden)

    Iwan Setiawan

    2016-12-01

    Full Text Available Islamic banking in Indonesia is present in a dual banking system. Islamic banking is expected to contribute more in the process of economic development and improving people’s welfare. The  main  objective of  this  study is  to  analyze the  role  of  financing Islamic banking and conventional banking credit to the improvement of people’s welfare as measured by reductions in poverty. The study was conducted using  the explanatory method, applying the  panel  regression estimation techniques simultaneously with the  Two Stage Least Square  method (TSLS  using  data from the period 1992-2012. Results  of the study reveals that the increased of  financing Islamic banking and conventional banking credit assign roles  to poverty reduction in Indonesia. The role of Islamic banking financing is lower  than conventional bank  credit role  in reducing poverty. In addition to improve financing and credit, changes should be applied in the value  of the instruments of monetary policy, economic growth, unequal distribution  of income and  the depreciation  of the local  currency that contribute towards poverty conditions.

  14. The Economics of Books

    NARCIS (Netherlands)

    Canoy, M.F.M.; van Ours, J.C.; van der Ploeg, F.

    2005-01-01

    The tensions between books and book markets as expressions of culture and books as products in profit-making businesses are analysed and insights from the theory of industrial organisation are given.Governments intervene in the market for books through laws concerning prices of books, grants for

  15. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

    Banking supervision must keep pace with technical innovations in the banking industry. The international Basel Committee on Banking Supervision currently is reviewing public comments on its proposed new method for judging whether a bank maintains enough capital to absorb unexpected losses. This Economic Commentary explains how existing standards became obsolete and describes the new plan.

  16. Experimental Evaluation of a Switching Matrix Applied in a Bank of Supercapacitors

    Directory of Open Access Journals (Sweden)

    Maria Guadalupe Reveles-Miranda

    2017-12-01

    Full Text Available Distributed power generation systems (DPGSs integrate power sources that tend to be smaller than the typical utility scale, such as for renewable energy sources and other applications. Storage systems that incorporate supercapacitors (SCs have been proposed to extend the life of batteries and to increase the power capacity of the DPGSs, guaranteeing maximum efficiency. The extraction of energy in SCs is more demanding than in the case of batteries; when SCs have delivered only 75% of their energy, their voltage has already decreased to 50%. Beyond this value, the banks fail to meet the requirements demanded by loads that require a minimum voltage to operate correctly, leaving 25% of the energy unused, thereby limiting the deep charge/discharge cycles that occur. This paper presents a model of a switching matrix applied in a bank of SCs. The model allows the use of a simpler circuit to achieve a large number of serial/parallel-configuration connections (levels, improving the utilization of energy to obtain deep discharge cycles in each SC; therefore, by increasing the average energy extracted from each SC, it extends the power delivery time in the storage bank. The efficiency was verified by experimental results obtained using a bank of six SCs.

  17. Perceptions Towards On-line Banking Security: An Empirical Investigation of a Developing Country`s Banking Sector, how secure is On-line Banking

    OpenAIRE

    Bongani Ngwenya; Khanyisa Malufu

    2012-01-01

    The increase in computer crime has led to scepticism about themove made by the banks to introduce on-line banking. Someview this as a noble move which has made the banking systemmore efficient, reliable and secure, while others view it as arisky and insecure way of banking. The aim of this study wasto assess whether on-line banking in the developing countriesis secure or not. The researcher chose a descriptive-quantitativeresearch design. Data was collected using a self constructedquestionnai...

  18. English Book Club

    CERN Multimedia

    English Book Club

    2012-01-01

    The CERN English Book Club will hold its 2012 AGM at 17h30 on Monday 5th March in the club rooms (club barrack 564). Club members are invited to attend. Any members wishing to add points on to the agenda should contact one of the committee before February 27th. The English Book Club has a collection of over 4500 English language books, mostly general fiction with a sprinkling of nonfiction and children’s books. New books are purchased regularly and the books are shelved in our club room which is accessible to members at all times. Membership is open to all (staff and external) and there is a special tariff for short term students. See the club’s website at http://cern.ch/englishbookclub for more details.

  19. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  20. THE APPLICATION OF RISK BASED BANK RATING ON BANKRUPTCY PREDICTION OF BANKS IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Evi Sistiyarini

    2017-04-01

    Full Text Available The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating ratio’s to predict bankruptcy of conventional Banks in Indonesia. Ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. Dependent variable was bank bankruptcy using dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression.The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CARhad no significant influence to bankruptcy of the bank.

  1. Expectancy of an open-book test decreases performance on a delayed closed-book test.

    Science.gov (United States)

    Agarwal, Pooja K; Roediger, Henry L

    2011-11-01

    Two experiments examined the influence of practice with, and the expectancy of, open-book tests (students viewed studied material while taking the test) versus closed-book tests (students completed the test without viewing the studied material) on delayed retention and transfer. Using GRE materials specifically designed for open-book testing, participants studied passages and then took initial open- or closed-book tests. Open-book testing led to better initial performance than closed-book testing, but on a delayed criterial (closed-book) test both types of testing produced similar retention after a two-day delay in Experiment 1. In Experiment 2 participants were informed in advance about the type of delayed criterial test to expect (open- or closed-book). Expecting an open-book test (relative to a closed-book test) decreased participants' time spent studying and their delayed test performance on closed-book comprehension and transfer tests, demonstrating that test expectancy can influence long-term learning. Expectancy of open-book tests may impair long-term retention and transfer compared to closed-book tests, despite superior initial performance on open-book tests and students' preference for open-book tests.

  2. Operational Efficiency of Bank Loans and Deposits: A Case Study of Vietnamese Banking System

    Directory of Open Access Journals (Sweden)

    Tram Nguyen

    2018-01-01

    Full Text Available This paper examines whether there is a causal relationship between bank loans and deposits in the Vietnamese banking system and the efficiency of the use of loans and deposits by the Vietnamese banks. In a country such as Vietnam, where inter-bank money markets are relatively underdeveloped, one would expect a reasonably strong relationship between deposits and loans. A pooled cross-sectional sample of financial ratios is collected from annual reports of 44 Vietnamese banks covering the period 2008–2015. The explanatory power of instrumental variables in relation to the endogenous variables is tested. A deterministic frontier model based on corrected ordinary least squares, estimated by three-stage least squares on a simultaneous equations model, is employed to derive the frontiers for the sampled banks as well as to estimate the causality between bank loans and deposits. Our findings suggest that, in an underdeveloped banking system such as Vietnam, bank deposits have a positive and significant impact on bank loans, but the reverse relationship is not significant. It is further suggested that in deposit-taking and loan-creating activities, Vietnamese banks performed moderately well over the period examined; however, in the near future, they should start to focus more on deposit-taking activities.

  3. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... without violating 12 U.S.C. 36, 12 U.S.C. 81 and 12 CFR 5.30, provided that a third party is used to...

  4. Effects of Ecohydraulic Bank Stabilization Structures on Bank Stability and Macroinvertebrate Community in Surabaya River

    Directory of Open Access Journals (Sweden)

    Daru Setyo Rini

    2018-01-01

    Full Text Available There were 18 accelerated erosion sites identified along 7 km of Surabaya River Fishery Sanctuary Area. A model of ecohydraulic bank stabilization was applied to reduce bank erosion in Surabaya River at Gresik Regency Indonesia. The model is combination of reprofiled and revegetated bank with rock toe reinforcement and  addition of log groynes. Various native plant species were planted and naturally grown to establish multi-strata littoral vegetation structure. This study assessed effects of ecohydraulic bank stabilization on bank morphology, near bank velocity and littoral macroinvertebrate community during September 2014 to August 2016. The study found that rock toe enforcement, log groynes and reprofiled bank slope could stabilized the eroded bank, and littoral vegetation formation reduced near bank velocity at restored sites. There were 31 families of macroinvertebrate found in Surabaya River with high abundance of moderately pollution sensitive taxa Atyidae and pollution tolerant taxa Corixidae, Chironomidae and Tubificidae. The taxa richness, diversity index and abundance of sensitive and moderately sensitive macroinvertebrate group were increased after application of ecohydraulic bank stabilization at restored area. The results shown that ecohydraulic bank stabilization structure provides multi-benefits in improving bank stabilization against erosion and providing new micro-habitats for biotic community. Keywords:  ecohydraulic bank stabilization, macroinvertebrates, riparian restoration

  5. Penilaian Tingkat Kesehatan Bank Dengan Menggunakan Pendekatan Risiko (Risk-Based Bank Rating

    Directory of Open Access Journals (Sweden)

    Masnawati .

    2016-04-01

    Full Text Available This  study  aimed  to  analyze  techniques  of  the  bank’s  health  assessment  and determine  which  strategies  should  be  done  in  order  to  improve  the  health  of the bank. The method used is the approach of Risk (Risk Based-Bank Rating in accordance with Bank Indonesia Regulation on Rating Bank that PBI Number: 13/1/PBI/2011  which  entered  into  force  on  January  1,  2012.  Bank  health assessment  performed  using  four  (4  factors:  Risk  Profile,  Good  Corporate Governance (GCG, Earning, and Capital. Object  of  this  study  is  PT.  Bank  Pembangunan  Daerah  Kalimantan  Selatan period  2012.  The  results  showed  that  the  health  of  banks  in  PT.  Bank Pembangunan  Daerah  Kalimantan  Selatan  getting  ranked  2,  meaning  can be  categorized  good.  Strategies  to  improve  the  health  value  of  a  bank  is  to improve aspects of Earnings and Capital. Strategis Steps that must to increase credit expansion, improve the quality and quantity of human resources, product innovation, and increase fee-based income. Keywords: Healthy  banks,  Risk  Profile,  Good  Corporate  Governance  (GCG,  Earnings, Capital

  6. BookFinder.com

    CERN Document Server

    BookFinder.com is produced by the bibliophiles at 13th Generation Media of Berkeley, California. Our goal is to provide fellow readers unbiased realtime information about books available online. Rather than selling books ourselves (does the world rea Amazon.com wannabe?), we've teamed up with over 15,000 of the finest booksellers online to bring you the largest book catalog available anywhere, either online or offline.

  7. Best Books of 1977

    Science.gov (United States)

    Gerhardt, Lillian N.; And Others

    1977-01-01

    School Library Journal book review editors have selected and annotated their choices for the best children's and young adults' books from those books that were submitted for review during 1977 by general book trade book publishers. Included in the annotations are: author, title, publisher, price, and recommended reading and interest levels. (JPF)

  8. Monetary policy, bank size and bank lending: evidence from Australia(new version)

    OpenAIRE

    liu, luke

    2012-01-01

    This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

  9. Estimation of potential benefits of the implementation of the fundamental review of the trading book and leverage ratio

    OpenAIRE

    ALESSI LUCIA; CANNAS GIUSEPPINA; DI GIROLAMO FRANCESCA; OSSOLA ELISA; PAPANAGIOTOU EVANGELIA; PETRACCO GIUDICI Marco; ROSSI EDUARDO

    2016-01-01

    The Fundamental Review of the Trading Book (FRTB) introduces changes in capital requirements as a consequence of changes in the calculation of risk weighted assets (RWAs), as agreed in the Basel Committee on Banking Supervision. This report performs an ex-ante assessment of the benefits of this new legislative proposal and is included as an annex to the Impact Assessment of the Capital Requirement Regulation II (CRR II). The analysis is conducted by estimating the required variation in ban...

  10. Croatian banking sector research: relationship between ownership structure, concentration, owners’ type and bank performance

    Directory of Open Access Journals (Sweden)

    Igor Tomičić

    2012-12-01

    Full Text Available Banks are important financial intermediaries of any national economy, and corporate governance has an important role in banking sector; especially due to processes of the globalization and the internationalization, and also because of the sensitivity of the activities between the interest groups. The objective of this paper is to examine the relationship between ownership structure, concentration, owners’ type and bank performance. The authors made a research of banks' ownership structure using publicly available data. Using statistical tools authors discovered relationships between bank ownership structure and bank performance indicators (average asset, total asset, average equity, profit (loss before taxes, profit (loss after taxes, ROAA, ROAE. Further they discuss the relationships between ownership structure and a number of consequences for the bank performance. The authors discovered significant correlation between bank ownership structure and performance indicators variables that are described in the paper.

  11. 24 CFR 350.2 - Definitions.

    Science.gov (United States)

    2010-04-01

    ... Security) maintained in the Book-entry System, as set forth in Federal Reserve Bank Operating Circulars. (b...: Book-entry Ginnie Mae Security. A Ginnie Mae Security issued or maintained in the Book-entry System... Reserve Banks. Book-entry System. The automated book-entry system operated by the Federal Reserve Banks...

  12. REFORMING THE EUROPEAN FINANCIAL AND BANKING ARCHITECTURE IN THE CRISIS CONTEXT. THE BANKING UNION CONCEPT

    Directory of Open Access Journals (Sweden)

    Magdalena, RADULESCU

    2014-11-01

    Full Text Available Deep financial crisis which started in 2007 proved to be extremely contagious affecting the financial and banking EU system. Achieving an integrated banking market is the main component of the European policy in the financial-banking services area. The latest developments underlined that the difficulties faced by the banks can negatively impact on the entire financial stability of the member states. That's why, the European Central Bank will be entitled to supervise any bank of the euro area, especially the ones that benefit of public support. Reforming the financial and banking system must be shaped in the frame of insuring some durable national finances, of an urgent recapitalizing of the banks that need that and of elaborating some common fiscal and financial and banking regulations effective in the eurozone.

  13. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  14. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

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

    African Journals Online (AJOL)

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

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

    NARCIS (Netherlands)

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

    2006-01-01

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

  17. Pricing Models of e-Books When Competing with p-Books

    Directory of Open Access Journals (Sweden)

    Yan Li

    2013-01-01

    Full Text Available With the rise in popularity of e-books, there is a growing need to reexamine the pricing strategy in the e-book supply chain. In this paper, we study two forms of pricing models widely used in the book industry: wholesale and agency pricing models. We first assume a stylized deterministic demand model in which the demand depends on the price, the degree of substitution, and the overall market potential. Subsequently, we employ the game theory to determine the price equilibriums and profit distribution under different pricing models. Finally, we explore the behavior of the publisher and the retailer under different preferences and degrees of substitution through a computational study. Our findings indicate that the e-book price will be lower under the agency pricing model than under the wholesale pricing model, which is counterintuitive. The publishers have higher incentives to adopt the agency pricing model than the wholesale pricing model. The agency pricing model benefits the whole system and can provide readers with books at lower prices. The degree of substitution between the two forms of books and the readers’ preference toward e-book will affect the books’ price and the profit distribution between the publisher and the retailers.

  18. Health Sciences Patrons Use Electronic Books More than Print Books

    Directory of Open Access Journals (Sweden)

    Robin Elizabeth Miller

    2017-09-01

    Full Text Available A Review of: Li, J. (2016. Is it cost-effective to purchase print books when the equivalent e-book is available? Journal of Hospital Librarianship, 16(1, 40-48. http://dx.doi.org/10.1080/15323269.2016.1118288 Abstract Objective – To compare use of books held simultaneously in print and electronic formats. Design – Case study. Setting – A health sciences library at a public comprehensive university with a medical college in the southern United States. Subjects – Usage data for 60 books held by the library simultaneously in print and electronically. The titles were on standing order in print and considered “core” texts for clinical, instructional, or reference for health sciences faculty, students, and medical residents. Methods – Researchers collected usage data for 60 print titles from the integrated library system and compared the data to COUNTER reports for electronic versions of the same titles, for the period spanning 2010-2014. Main Results – Overall, the 60 e-book titles were used more than the print versions, with the electronic versions used a total of 370,695 times while the print versions were used 93 times during the time period being examined. Conclusion – The use of electronic books outnumbers the use of print books of the same title.

  19. Bringing back the book through digital experiences: e-Books and ...

    African Journals Online (AJOL)

    Bringing back the book through digital experiences: e-Books and digital media as platforms for reading among school children. ... for technology has changed the format of books and reading platforms from print to ereaders. ... print. Findings further showed that there is no significant difference in the attitude of boys and girls ...

  20. Books as Culture/Books as Commerce: An Analysis of the Text and Format of the "New York Times Book Review."

    Science.gov (United States)

    Haugland, Ann

    The oldest of the mass communication technologies, books, needs to be examined in mass communication research. Accordingly a study analyzed the structure and format of the "New York Times Book Review" to identify its dual roles: evaluating books and providing information crucial to book marketing. Also explored was how the text of the…

  1. Financial performance after the Spanish banking reforms: A comparative study of 19 commercial banks

    Directory of Open Access Journals (Sweden)

    Pison F. Irene

    2014-06-01

    Full Text Available A diagnostic review of the Spanish financial system during the 2008 financial crisis reveals the emergency need for banking reform in the sector. In an attempt to evaluate the impact of the Spanish reform, the present study examines the bank´s performance before/after the reform was adopted, using data of 19 Spanish commercial banks extracted from the Global Vantage research database (Standard and Poor’s over the period 2006 to 2013. This study uses multivariable regression method to investigate the impact of the CAMELS rating system: capital adequacy, asset quality, management quality, liquidity and sensitivity to market risks on the bank´s performance such as earnings efficiency. The time-line of the study is essential because it helps us to determine the financial performance of Spanish commercial banks before the banking reforms during the financial crisis and an important set in terms of mergers and acquisition in the banking industry. The empirical results have found strong and positive evidence that Capital Adequacy, Management Capacity, Liquidity and Sensitivity to Market Risk are useful predictors of banks performance (earnings efficiency, thus, any reform pilot toward this banking indicators will eventually have a positive impact on banking performance. Base on the present study, the Spanish reform was so vital for better banking performance. Therefore, this study serves not only to academics but also to policy makers

  2. Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain

    Directory of Open Access Journals (Sweden)

    Tri Wahyuningsih

    2016-09-01

    Full Text Available This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL, Loan to Deposit Ratio (LDR, Adecuacy Capital Ratio (CAR, Return on Assets (ROA and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of  Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to  digital banking. Keywords: Non-Performing Loans, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Revenues and Operating Expenses of Operational Income, Bank BNI, Bank BUMN.

  3. Comparing Safari Tech Books Online and Books24x7 E-Book Collections: A Case Study from the University of British Columbia Library

    Science.gov (United States)

    Barsky, Eugene; Schattman, Lisa; Greenwood, Aleteia

    2009-01-01

    Most academic libraries are seeking to provide electronic access to the very dynamic and changing field of technology related material. "Safari Tech Books Online" and "Books24x7" are the major e-book collections in this area. We compared the "Safari Tech Books Online" and "Books24x7" e-book packages as to…

  4. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  5. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  6. Book Reviews | Sheppey | African Zoology

    African Journals Online (AJOL)

    Book Authors: Edited by Richard E. Brown & David W. Macdonald. Oxford University Press, Oxford, 1985. 556 pp. Book Review 4. Book Title: Biology of Communication. Book Authors: D. Brian Lewis & D. Michael Gower. Blackie & Son, Glasgow. 239 pp. Book Review 5. Book Title: Animal Osmoregulation. Book Authors: J.

  7. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

    This paper is an introduction to the NEA data bank. The essential programs and data for nuclear energy calculations are available from the Data Bank. The Data Bank's role, in co-operation with other centers, is to protect the technological capital represented by the programs and data in its collection, which is unique in covering nearly the whole field of reactor physics at a single center (Saclay). The compilation and exchange of experimental and evaluated neutron and other nuclear data is carried out through a world-wide information network. The tasks now assigned to the Data Bank are in the areas of computer program packaging, neutron data compilation, assembly and benchmark testing of the Joint Evaluated File (JEF) of neutron cross-section data, and servicing the NEA scientific committees, as well as providing a computer service to the main NEA secretariat. In all areas the emphasis is on developing a ''value added'' element to the incoming data or computer codes, by validation documentation and presentation of information in a convenient standard form. The services offered by the Data Bank and the computers used by the Data Bank are presented

  8. English Book Club

    CERN Document Server

    CERN English Book Club

    2010-01-01

    AGM  --  AGM  -- 2010 --  AGM  --  AGM The CERN ENGLISH BOOK CLUB will hold its 2010 AGM at 18h00 on Monday November 22nd in the club rooms (club barrack 564). Club members are invited to attend. Any members wishing to add points on to the agenda should contact one of the committee before November 12th. AGM  --  AGM  -- 2010 --  AGM  --  AGM The English Book Club has a collection of over 4500 English language books, mostly general fiction with a sprinkling of nonfiction and children’s books. New books are purchased regularly and the books are shelved in our club room which is accessible to members at all times. Membership is open to all (staff and external) and there is a special tariff for short term students. See the club’s website at http://cern.ch/englishbookclub for more details.  

  9. Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri

    Directory of Open Access Journals (Sweden)

    Siti Aisjah

    2015-09-01

    Full Text Available The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness, and tazkiyah (sanctification. There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.

  10. Analisis Perbandingan Kinerja Keuangan Bank Swasta Nasional Dan Bank Pemerintah Yang Terdaftar Di Bursa Efek Indonesia (Bei

    Directory of Open Access Journals (Sweden)

    Sri Hastuti

    2011-10-01

    Full Text Available Performance or performance of bank is the image of reached achievement in banking operational in all aspect, covering monetary management of bank and ability of bank’s assets had to yield profit efficiently, so bank can stay and compete in the middle of inflation distortion and policy of Bank Indonesia, hence the bank had to have up to standard performance or performance - condition health of bank determined by Bank Indonesia. This research aim to analyse and prove the difference flattens which isn't it in monetary performance Private National Bank and State Bank pursuant to ratioes of CAMEL. Sampel the used to amount to 12 banks, consist of 9 Private National Bank and 3 taken State Bank pursuant to Purposive Sampling with criterion enlist in Indonesia Stock Exchange (BEI, routine deliver financial statement, period of year 2005-2007.

  11. ANTESEDEN ATTITUDE TOWARDS M-BANKING DAN DAMPAKNYA TERHADAP BEHAVIORAL INTENTION TO ADOPT M-BANKING

    Directory of Open Access Journals (Sweden)

    Titon Adrinanto

    2016-02-01

    Full Text Available The background of this research was m­banking users in Indonesia is still low despite the mobile phone users in developed and developing countries in the world has increased rapidly since 21st century. Some bank companies in Indonesia has been offering m­banking service but the use of m­banking for financial transaction is still low and limited. The objectives of this research was to analyze the antecedents of attitude towards m­banking and its impact on behavioral intention to adopt m­banking. The design of this research applies hypothesis testing. 200 samples selected from prospective user of 3 government bank. The sampling technique was purposive sampling with cross­sectional study. Data analysis used in this research was collected by questionnaire technique with item of statements for each variable. In order to obtain valid and reliable instrument tool, validity and reliability test has been done. The result of this research conclude that there is positive effect perceived usefulness, perceived ease of use, perceived competence, perceived communication, perceived privacy and security, society influence, and facilitating condition on attitude towards m­banking. This study supports that there is positive influence on attitude towards m­banking on behavioral intention to adopt m­banking.

  12. World Bank Development Sector Adjustment Operation Life Line to Nigerian Universities: Impact on Information Demand and Supply in the University of Agriculture, Makurdi Library.

    Science.gov (United States)

    Ozowa, Vincent Nnamdi

    1995-01-01

    Provides an overview of the rationale behind the World Bank credit line to Nigerian universities and examines the impact of the credit facility on the information demand and supply in the University of Agriculture, Makurdi Library (Nigeria). Discusses problems, such as poor quantity and quality of books and journals, lack of equipment, and lack of…

  13. Bank and sovereign debt risk

    OpenAIRE

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

    2013-01-01

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

  14. Banking towards development: Evidence from the Spanish banking expansion plan

    OpenAIRE

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

    During the period 1965-1987 Spain was an emerging market in full transition from developing to developed status. During the same period the Spanish banking system underwent an unprecedented episode of expansion growing from 5,000 to over 30,000 bank branches. We examine whether the latter process partly caused the former by focusing on the relationship between branch expansion and entrepreneurship in the wholesale and retail trade industries. To address the non-random allocation of bank branc...

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

    OpenAIRE

    Muhammad Shakil AHMAD; Shahid RASHID; Muhammad Tahir MASOOD; Ehtesham UL MUJEEB

    2011-01-01

    This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception abo...

  16. Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    @@ Beijing Olympic Committee announced recently that Bank of China become a partner of 2008 Olympic Games. Bank of China will provide abundant fund, banking financial products and related services for Beijing 2008 Olympic Games, and Paralympic Games, Beijing Olympic Organizing Committee and China Olympic Committee and China Sports team to participate in 2006 Winter Olympic Games and 2008 Olympic Games.

  17. 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.

  18. By the Book: An Annotated Bibliography of Music-Based Picture Books.

    Science.gov (United States)

    Sotherden, Emily

    2002-01-01

    Provides an annotated bibliography of music related picture books that can be used in the music classroom. Discusses the benefits of using picture books for all ages. Includes books in ten categories, such as instruments, ensembles, and styles of music. (CMK)

  19. 31 CFR 103.187 - Special measures against Myanmar Mayflower Bank and Asia Wealth Bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Special measures against Myanmar... measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...) Myanmar Mayflower Bank means all headquarters, branches, and offices of Myanmar Mayflower Bank operating...

  20. Nothing special about banks : Competition and bank lending in Britain 1885-1925

    NARCIS (Netherlands)

    Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

    2017-01-01

    We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British

  1. Branch of bank, change of its status and its value in contemporary Czech banking system.

    OpenAIRE

    Čížek, Martin

    2009-01-01

    This study concerns view of contemporary branch of bank. It shortly deals with history of bank branch in Czech environment after 1989. Further the study analyses its importance, advantages and disadvantages comparing direct banking - online banking in particular. The key point of the study is to answer the question if there is a future of branch of bank. Whether it will cooperate successfully with internet online channels of communication or it will be superseded by online banking at all.

  2. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

    ... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... voting shares of Northview Bank, Sandstone, Minnesota, and First Independent Bank, Russell, Minnesota...

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

    Directory of Open Access Journals (Sweden)

    Yibing Chen

    2014-01-01

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

  4. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  5. Experimental determination of harmonic conditions amplification in a distribution network by capacitor bank switching

    DEFF Research Database (Denmark)

    Baloi, Alexandru; Kocewiak, Lukasz Hubert; Bak, Claus Leth

    2012-01-01

    The paper presents a study comprising laboratory measurements for the evaluation of the harmonic amplification due to capacitor bank switching. The mathematical model of the amplification factors of the current flowing on the circuit elements is presented. Theoretical aspects, regarding the total...... harmonic distortion (THD) of the capacitor current computed using the amplification factor, are originally presented. Nonlinear loads as six pulse rectifier and National Instruments measurement sensors together with LabView software were used on the laboratory set-up. The main instrument of the method...... is the harmonic impedance, “seen” in the bus of the capacitor bank switching. MatLab Simulink is used for the determination of the harmonic impedance....

  6. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  7. Mothers' Complex Talk When Sharing Books with Their Toddlers: Book Genre Matters

    Science.gov (United States)

    Nyhout, Angela; O'Neill, Daniela K.

    2013-01-01

    This study investigated the influence of book genre (narrative or didactic) on mothers' language use during a book sharing interaction with their 18- to 25-month-olds. Mother-child dyads were videotaped sharing both a narrative and a didactic book, adapted from two commercially available books, and matched in terms of length, quantity of text, and…

  8. Measuring brand equity in banking industry: A case study of Mellat Bank

    Directory of Open Access Journals (Sweden)

    Maryam Nadernezhad

    2013-08-01

    Full Text Available This study examines the influencing factors on brand equity in banking industry. The proposed study designs a questionnaire consists of 16 questions for measuring brand loyalty, brand awareness, brand compatibility and perceived quality in one of Iranian banks named Mellat Bank. Using a descriptive and non-experimental study, the proposed study gathers data and analyze them using t-student test. The results indicate that three components including brand loyalty, brand awareness and brand equity compatibility on brand equity of Mellat bank branches in Mazandaran province are in desirable level but the effect of perceived quality indicator on brand equity of Mellat Bank is not desirable. The study provides necessary suggestions to improve the quality of services for the proposed case study.

  9. PENGARUH RASIO KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH PERIODE 2010-2013

    Directory of Open Access Journals (Sweden)

    Iwan Fakhruddin

    2015-09-01

    Full Text Available The research was aimed to analyze the effect of risk base bank ratio to the financial performance of syariah bank listed in Central Bank of Indonesia. The population covered all syariah Bank and the sample was 11 syariah Bank. Then, the data analyze through double regression. The research showed that Capital Adequacy Ratio (CAR, Non Performing Ratio (NPF, Operational efficiency Ratio (OER, Financing to Deposit Ratio (FDR, Quality of Productive Active (KAP effected simultaneously to Return of Asset (ROA. CAR variable had positive and significant effects to ROA. NPF contributed negative and significant effects to ROA. OER comprised negative and significant effect to ROA. FDR had positive and significant effect to ROA. KAP got negative and significant effect to ROA.

  10. The New Russian Book

    DEFF Research Database (Denmark)

    Pristed, Birgitte Beck

    This book takes up the obtrusive problem of visual representation of fiction in contemporary Russian book design. By analyzing a broad variety of book covers, the study offers an absolutely unique material that illustrates a radically changing notion of literature in the transformation of Soviet ...... the fields of Russian studies, contemporary book and media history, art, design, and visual studies.......This book takes up the obtrusive problem of visual representation of fiction in contemporary Russian book design. By analyzing a broad variety of book covers, the study offers an absolutely unique material that illustrates a radically changing notion of literature in the transformation of Soviet...... print culture to a post-Soviet book market. It delivers a profound and critical exploration of Russian visual imaginary of classic, popular, and contemporary prose. Among all the carelessly bungled covers of mass-published post-Soviet series the study identifies gems from experimental designers...

  11. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  12. Advanced operational strategy for the IRIS reactor: Load follow through mechanical shim (MSHIM)

    International Nuclear Information System (INIS)

    Franceschini, Fausto; Petrovic, Bojan

    2008-01-01

    The renaissance of nuclear power brings more attention to advanced reactor designs and their improved performance and flexibility, including their enhanced load follow capability. Reactor control strategy used to perform transients including power changes has impact on the overall control system design. In particular, as the power change is performed within a load follow maneuver, several modifications occur in the core from a neutronic view point: the fuel and moderator temperature change, the xenon concentration and distribution are modified, the power distribution skewed axially, etc. These changes need to be adequately counterbalanced to keep both the core critical and the power distribution acceptable. The traditional approach in PWRs is to compensate for the reactivity change due to the power variation by adjusting the soluble boron concentration and moving a limited number of control rod banks. However, advanced reactors may adopt a different strategy for a variety of reasons. For example, water-cooled reactors that do not use soluble boron in coolant obviously cannot use its adjustment for this purpose. Moreover, Integral Primary System Reactors (IPSRs) using soluble boron, due to their integral design, have a large inventory of primary coolant. Therefore dilution/boration strategy, while in principle an option, becomes expensive for short time changes and leads to large volume of liquid effluent, in particular toward the end of cycle. Therefore, a capability to perform load follow without changing soluble boron concentration is very desirable for a range of reactor designs. International Reactor Innovative and Secure (IRIS) is an advanced medium-size IPSR that has been selected as the reference reactor for the purpose of this study. A capability to perform load follow maneuvers without changing soluble boron concentration has been examined and demonstrated through implementation of the Westinghouse Mechanical Shim (MSHIM) control strategy. A control bank

  13. Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

      Beijing Olympic Committee announced recently that Bank of China become a partner of 2008 Olympic Games. Bank of China will provide abundant fund, banking financial products and related services for Beijing 2008 Olympic Games, and Paralympic Games, Beijing Olympic Organizing Committee and China Olympic Committee and China Sports team to participate in 2006 Winter Olympic Games and 2008 Olympic Games.……

  14. Book Reviews Boekbesprekings

    African Journals Online (AJOL)

    Book Reviews. HYPOTHALAMIC HORMONES. Hypothalamic Hypophysiotropic Hormones. Physiological and clinical studies. Proceedings of the Conference .... tricians, it certainly succeeds in its aim. 'A book is of little use if it has no pictures', thought Alice. This book has many. Of particular interest is the last chapter in ...

  15. Credit Risk Management in Banking Institutions: Comparison between Chinese Banks and UK Banks

    OpenAIRE

    YU, LIN

    2009-01-01

    The recent international financial market turmoil has a great effect on the banking industry; accordingly it is very necessary to investigate the topic of the credit risk management. This paper mainly discusses the importance, current situation, ways and guidelines of the credit risk management for the banking industry. A large number of literatures are integrated in order to illustrate and explain recent developments in both methods and principles of credit risk management. Meanwhile, some e...

  16. An experimental comparison of conventional two-bank and novel four-bank dynamic MLC tracking

    International Nuclear Information System (INIS)

    Davies, G A; Clowes, P; McQuaid, D; Evans, P M; Webb, S; Poludniowski, G

    2013-01-01

    The AccuLeaf mMLC featuring four multileaf-collimator (MLC) banks has been used for the first time for an experimental comparison of conventional two-bank with novel four-bank dynamic MLC tracking of a two-dimensional sinusoidal respiratory motion. This comparison was performed for a square aperture, and for three conformal treatment apertures from clinical radiotherapy lung cancer patients. The system latency of this prototype tracking system was evaluated and found to be 1.0 s and the frequency at which MLC positions could be updated, 1 Hz, and therefore accurate MLC tracking of irregular patient motion would be difficult with the system in its current form. The MLC leaf velocity required for two-bank-MLC and four-bank-MLC tracking was evaluated for the apertures studied and a substantial decrease was found in the maximum MLC velocity required when four-banks were used for tracking rather than two. A dosimetric comparison of the two techniques was also performed and minimal difference was found between two-bank-MLC and four-bank-MLC tracking. The use of four MLC banks for dynamic MLC tracking is shown to be potentially advantageous for increasing the delivery efficiency compared with two-bank-MLC tracking where difficulties are encountered if large leaf shifts are required to track motion perpendicular to the direction of leaf travel. (paper)

  17. The Vixen Star Book user guide how to use the star book ten and the original star book

    CERN Document Server

    Chen, James

    2016-01-01

    This book is for anyone who owns, or is thinking of owning, a Vixen Star Book Ten telescope mount or its predecessor. A revolution in amateur astronomy has occurred in the past decade with the wide availability of high tech, computer-driven, Go-To telescopes. Vixen Optics is leading the way by offering the Star Book Ten system, with its unique star map graphics software. The Star Book Ten is the latest version of computer telescope control using star map graphics as a user interface, first introduced in the original Star Book first offered in 2003. The increasingly complicated nature of this software means that learning to optimize this program is not straightforward, and yet the resulting views when all features are correctly deployed can be phenomenal. After a short history of computerized Go-To telescopes for the consumer amateur astronomer market, Chen offers a treasury of technical information. His advice, tips, and solutions aid the user in getting the most out of the Star Book Ten system in observing s...

  18. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

    This review surveys the theoretical and empirical literature on the causes and consequences of banking crises, and summarizes the lessons learned from policy interventions to resolve banking crises. Despite their different origins, banking crises display similar patterns. Their causes lie in

  19. 78 FR 20919 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-08

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

  20. The Consolidation on Banking Supervision in the Context of a Pan European Banking System

    OpenAIRE

    Teodora Barbu; Georgeta Vintila

    2007-01-01

    The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must...

  1. The impact of the recent banking crisis on customer loyalty in the banking sector

    DEFF Research Database (Denmark)

    Skowron, Lukasz; Kristensen, Kai

    2012-01-01

    . The second part of the paper demonstrates statistical analysis of the obtained data from the Polish and European banking sector. The authors also present socio-demographic characteristic of the research samples and the character of the bank-client relations, comparative analysis of customer satisfaction...... and loyalty levels than clients of banks in Western Europe. Second, the recent banking crisis has affected the level of customer satisfaction much more strongly in developing European countries than in developed ones. Third, the recent banking crisis has changed the character of the process of building...... customer satisfaction and loyalty in Poland by strengthening the influence of the image area. Originality/value – Hardly anyone has tried to measure the influence of the banking crises at the level of customers’ satisfaction and the structure of the process of building long-term relations between banks...

  2. Book Sprint: A new model for rapid book authoring and content development

    International Nuclear Information System (INIS)

    Zennaro, M.; Canessa, E.; Fonda, C.; Belcher, M.; Flickenger, R.

    2007-01-01

    We discuss our experiences and successes with the new 'Book Sprint' methodology for use in rapid authoring and content development for technical books and documentation, using a distributed team and appropriate on-line collaborative technologies. A sprint begins by assembling a group of domain experts for a short period of time-intensive content creation. The outline, scope, and approximate length of the book are established, and key contributors are identified. This is followed by remote and distributed work over a period of a few months, focussing on the bulk of the book. The Sprint Book methodology has already been used in the 'Wireless Networking in the Developing World' and 'Bandwidth Optimization and Management' books. Both of these are freely available under a Creative Commons License. (author)

  3. 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.

  4. Give a Book, Take a Book | Poster

    Science.gov (United States)

    Collection has begun for the 15th Annual Book & Media Swap sponsored by the Scientific Library. NCI at Frederick staff can use this opportunity to clear out personal book and DVD shelves of unwanted materials, donate them to the swap, and then receive “new” materials in return. The library staff will collect materials through Tuesday, Oct. 27. Kick-off day for the event is

  5. 77 FR 35680 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-14

    ..., New York, New York 10045-0001: 1. Muhammad Habib, Zurich, Switzerland; to retain a controlling... of Habib American Bank, New York, New York. B. Federal Reserve Bank of Atlanta (Chapelle Davis...

  6. Customer Satisfaction and Loyalty Among Internet Banking Users of Philippine National Bank in Batangas City

    Directory of Open Access Journals (Sweden)

    EDWARD KERVIN B. MOJARES

    2014-04-01

    Full Text Available One of the most vital challenges of the Internet as a service delivery channel is providing and maintaining service quality. This study aimed to describe the profile of the respondents with regards to socio-demographic and bank-related variables; to identify the effects of internet banking among its clients in Batangas City; to determine the level of customer’s satisfaction in terms of speed and accuracy, accessibility and convenience, and security features; to determine the respondents level of loyalty; to test the relationship between effects of internet banking service and customer satisfaction and loyalty variables; and lastly, to propose effective measures on how to enhance the quality of internet banking service offered by PNB in Batangas City. The descriptive-correlation method was utilized in the conduct of the study. The respondents of the study are the top 100 or 30% of the three hundred thirty four active users of internet banking service of Philippine National Bank in Batangas City during the period of October 2012 as generated by the bank’s system. The study revealed that the respondents are generally satisfied with the speed and accuracy, accessibility and convenience, and security features of the internet banking service facility. It was also found out that only speed and accuracy showed significant relationship on the effect of internet banking. Internet banking users are still considering the speed and accuracy of the banks service to make them satisfied despite that internet banking provides lower cost delivery channel, gives customers to almost any type of banking transactions and gives breadth and depth customer service. However, customers’ level of loyalty is not affected by the effects of internet banking services. This proves that as long as the customers are being provided with an excellent service, customer loyalty/retention could still be possibly attained by the bank

  7. RELIGION AND BANKING SYSTEM: THE FUTURE OF SYARIAH BANKING PRACTICES Historical and Contemporary Fiqh Perspectives

    Directory of Open Access Journals (Sweden)

    Hamka Siregar

    2014-12-01

    Full Text Available The momentum of the development of Sharia banking has been noticed since the 1970s, which generally had two patterns: first, establishing the Islamic bank side by side with conventional one (dual-banking system as practiced in Egypt, Malaysia, Saudi Arabia, Jordan, Kuwait, Bahrain, and Bangladesh; and second, restructuring the banking system as a whole in accordance with Islamic Sharia (full-fledged Islamic financial system as applied in Sudan, Iran and Pakistan. The development of the Sharia-based banks which have been established across the world since the 1970s, became the motivation of the Indonesian ulemas to draft law on Sharia banking, so that Sharia banking could also be developed. As a result, these last few years, the banking world in Indonesia has witnessed the establishment of the public Sharia banks and Sharia business units, like Bank Muamalat and Bank Syariah Mandiri to mention a few. Using historical and contemporary jurisprudence perspective, this paper provides discussion on the future of Sharia banking.

  8. The Leporello Book

    DEFF Research Database (Denmark)

    2017-01-01

    Referring to the festival's overall framework "Distribution and Markets" this historical photobook exhibition will discuss the mass-produced travel books of the 19th century and their impact on the global development of the city as a commodity and tourist attraction. The exhibition focuses...... examples from the nineteenth century and contemporary ones. It showcases books from many countries, books of different sizes and qualities, with or without text, and containing black-and-white photographs or colour reproductions. It illustrates the variety of the book typology and documents its development...

  9. 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.

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

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

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

  11. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  12. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  13. Bank equity connections, intellectual property protection and enterprise innovation – A bank ownership perspective

    Directory of Open Access Journals (Sweden)

    Xing Liu

    2016-09-01

    Full Text Available This study investigates the effects of bank equity connections and intellectual property protection on enterprises’ innovation behavior, and the regulating effect of intellectual property protection on the relationship between bank equity connections and innovation. In general, bank equity connections and intellectual property protection not only significantly increase innovation input, but also improve innovation performance. However, the efficiency of bank equity connections is influenced by the heterogeneity of enterprises and the value orientation of the subjects. Bank equity connections have a more significantly positive effect on innovation in private and central enterprises, whereas the principal-agent problem and government intervention may weaken the marginal contribution of bank equity connections to the innovation of local state-owned enterprises. Bank equity connections and intellectual property protection are complementary in promoting enterprise innovation. Not only are the combined effects of bank equity connections and intellectual property protection greater than the individual effects, but when the latter is relatively weak, the former’s positive effect on innovation is obviously weakened and may even crowd out innovation.

  14. The Impacts of Liquidity on Profitability in Banking Sectors of Iraq: A Case of Iraqi Commercial Banks.

    OpenAIRE

    Sardar Shaker Ibrahim

    2017-01-01

    This study examines the influence of liquidity on the profitability of Iraqi commercial banks. Five banks based in Iraq namely: North bank, Iraqi Islamic bank, Sumer bank, Dar Es-Salam bank and Babylon bank randomly selected and analyzed for the current study over the period 2005 to 2013. Moreover,  annual reports of these banks have studied and the main ratios of profitability and liquidity were calculated. These reports are available at Iraqi Stock Exchange site. The variables that were ide...

  15. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  16. Book Reviews | Bernard | African Zoology

    African Journals Online (AJOL)

    Abstract. Book Review 1. Book Title: The Physiology of Reproduction. Book Authors: Editors-in-Chief: E. Knobil, & J.D. Kneill. Raven Press, 1988. 2633 pages. Book Review 2. Book Title: Long-term Studies in Ecology: Approaches and Alternatives. Book Author: Gene E. Likens. Springer-Verlag, New York, 1988. 214 pages ...

  17. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  18. 76 FR 11781 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-03

    ... Bank, both of Hazel Green, Alabama. 3. P. Byron DeFoor, Ooltewah, Tennessee, and Winston A. Porter... indirectly acquire voting shares of Northside Bank, both of Adairsville, Georgia. 4. Michael Hull Erdman...

  19. E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria

    Directory of Open Access Journals (Sweden)

    Haadi Babatunde Asiyanbi

    2018-09-01

    Full Text Available This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100 bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%, internet banking (85%, electronic transfer (97%. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

  20. Development of Electronic Book (E-Book EPUB-Based for Display Course

    Directory of Open Access Journals (Sweden)

    Oktafiany Widhi Astuti

    2017-09-01

    Full Text Available The aim of this research is to produce a source of learning in the form of electronic book (e-book with EPUB format for the Product Management Subject, and measuring the effectiveness of the use of e-book as a source for student learning independently. The study was conducted using the development model proposed by Sugiyono. This study used a questionnaire to obtain data validated by an expert. Students are as audience in learning using e-book based EPUB. The average of validation result and trial of effectiveness of EPUB-based e-book used calculation of joint validity which resulted percentage of 86,14% which means very valid and suitable to be used as alternative learning source for the Product Management Subject.

  1. How do e-book readers enhance learning opportunities for distance work-based learners?

    Directory of Open Access Journals (Sweden)

    Gabi Witthaus

    2011-12-01

    Full Text Available We report on the incorporation of e-book readers into the delivery of two distance-taught master's programmes in Occupational Psychology (OP and one in Education at the University of Leicester, UK. The programmes attract work-based practitioners in OP and Teaching English to Speakers of Other Languages, respectively. Challenges in curriculum delivery included the need for more flexibility in the curricula, better access to essential readings and maximising the benefit of learners' limited study time. As part of a suite of pilot changes to curriculum design and delivery, 28 Sony PRS-505™ e-book readers were pre-loaded with course materials and sent out to students. The evidence suggests that the students' learning experiences improved as a result of four key benefits afforded by the e-book readers: enhanced flexibility in curriculum delivery to accommodate the mobile lifestyle of our learners, improved efficiency in the use of study time, especially short breaks during the working day, new strategies for reading course materials and cost. We discuss the opportunities and limitations associated with the e-book readers used and the challenges encountered in the study.

  2. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

    Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

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

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2017-02-01

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

  4. Book Review: Book review

    Science.gov (United States)

    Martínez, Alberto A.

    The title Einstein's Generation immediately suggests names such as Ehrenfest, Ritz, Kaufmann, Born, Laue, and Laub. Staley's book discusses these individuals, but it actually has a broader scope. Both the title and the subtitle are not quite appropriate. A much more fitting title would be Michelson, Electrons, and the Rise of "Modern" Physics. The emphasis on Albert Michelson is evident in the Index: almost four columns on him, compared to just one and a half on Einstein. Likewise, "Einstein's generation" includes, for Staley, many other physicists who were quite older than Einstein, such as Lorentz, Planck, Poincaré, and Minkowski. The book exhibits a composite character because it includes and expands upon four articles that Staley had published earlier on Michelson, relativity, and the co-creation of modern and classical physics. Hence the book is partly a bridging work; it ambitiously connects areas in the history of physics, from the 1880s until 1911. Staley identifies how diverse interests produced crossfertilization, and how various disciplinary boundaries were crossed. He wants to discuss material culture, experiment, and theory, all on the same footing. Every page of the introduction seems to quadruple the scope; he writes about individuals and communities, consolidation and diversification, power and weakness, memory and neglect, the cultural and the material, the classical and the modern, and the absolute and the relative.

  5. 12 CFR 225.115 - Applicability of Bank Service Corporation Act in certain bank holding company situations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Applicability of Bank Service Corporation Act... Applicability of Bank Service Corporation Act in certain bank holding company situations. (a) Questions have... Service Corporation Act (Pub. L. 87-856, approved October 23, 1962) in cases involving service...

  6. Animation Augmented Reality Book Model (AAR Book Model) to Enhance Teamwork

    Science.gov (United States)

    Chujitarom, Wannaporn; Piriyasurawong, Pallop

    2017-01-01

    This study aims to synthesize an Animation Augmented Reality Book Model (AAR Book Model) to enhance teamwork and to assess the AAR Book Model to enhance teamwork. Samples are five specialists that consist of one animation specialist, two communication and information technology specialists, and two teaching model design specialists, selected by…

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

    Science.gov (United States)

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

    2006-06-01

    The Protein Circular Dichroism Data Bank (PCDDB) is a new deposition data bank for validated circular dichroism spectra of biomacromolecules. Its aim is to be a resource for the structural biology and bioinformatics communities, providing open access and archiving facilities for circular dichroism and synchrotron radiation circular dichroism spectra. It is named in parallel with the Protein Data Bank (PDB), a long-existing valuable reference data bank for protein crystal and NMR structures. In this article, we discuss the design of the data bank structure and the deposition website located at http://pcddb.cryst.bbk.ac.uk. Our aim is to produce a flexible and comprehensive archive, which enables user-friendly spectral deposition and searching. In the case of a protein whose crystal structure and sequence are known, the PCDDB entry will be linked to the appropriate PDB and sequence data bank files, respectively. It is anticipated that the PCDDB will provide a readily accessible biophysical catalogue of information on folded proteins that may be of value in structural genomics programs, for quality control and archiving in industrial and academic labs, as a resource for programs developing spectroscopic structural analysis methods, and in bioinformatics studies. Copyright 2006 Wiley-Liss, Inc.

  8. Comparison of the Performance of SOEs Banks and Private Banks and its Influece to the Stock Prices

    Directory of Open Access Journals (Sweden)

    Husnul Insan

    2017-09-01

    Full Text Available Banking industry is one of the industries which show the presence of tight competition. The competition itself can be seen from the number of banks which operates in Indonesia in 2014, that is 119 banks. The aim of doing this research is to analyze the different financial performances between Significant effect on the level of 5% and Private banks, and also to analyze the variable influence of bank finance performances to the stock price. The analyzing method which will be used on this research is radar and regression analyzing graphic illustration techniques. The result of this research shows that financial performances of SEOs Banks is better than Private Banks according to the profitability, productivity, and growth potential aspect, while on the aspect of liquidity, private banks has a better performance than SOEs banks. In terms of solvability, both banks have the same financial performances. According to the regression analysis, it is known that the bank financial performance on CAS and NIM variable has a positive and significant influence to the stock prices, while on LDR, CRR, CAR, DRR, and ROA variables they have a negative and significant influence to the stock prices. This shows that the investors have made those variables as a benchmark in their investing policies and they tend to pursue the stocks from SOEs banks rather than private banks, because generally SOEs banks have a better financial performance than private banks.Keywords: regression analysis, bank, stock prices, financial performances, radar method

  9. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

    The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

  10. Banking services for everyone? Barriers to bank access and use around the world

    NARCIS (Netherlands)

    Beck, T.H.L.; Demirgüc-Kunt, A.; Martinez Peria, M.

    2008-01-01

    Using information from 209 banks in 62 countries, we develop new indicators of barriers to banking services around the world, show their correlation with existing measures of outreach, and explore their association with other bank and country characteristics suggested by theory as potential

  11. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

    ... RESOLUTION FUNDING CORPORATION § 996.2 Bank employees. Upon the request of the Directorate of the Resolution..., employees, or agents of the Banks are authorized to act for and on behalf of the Resolution Funding... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank employees. 996.2 Section 996.2 Banks and...

  12. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  13. Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC

    OpenAIRE

    Arshad, Rizwan

    2012-01-01

    The current study aimed at investigating the impact of foreign banks on domestic banks in (Brazil, Russia, India and China) BRIC group of countries during 2001-2011. The importance of this topic is due to instability of financial industry and continuously changing financial markets. Financial liberalization did not only give boom to banking industry but also made it more competitive and unstable. To stay in competition, banks follow risky practices that do not only create problems within fina...

  14. 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...

  15. Radioactivity content of books

    International Nuclear Information System (INIS)

    Lalit, B.Y.; Shukla, V.K.; Ramachandran, T.V.

    1981-01-01

    The natural and fallout radioactivity was measured in a large number of books produced in various countries after 1955. Results of these measurements showed that the books contained radioactivity due to fallout 137 Cs and 226 Ra, 228 Th and 40 K radioisotopes of primordial origin. Books printed in the U.S.A. had low radioactivity of 40K and 226 Ra origin compared to books printed in the European subcontinent. Books printed during high fallout rate (1962-64) or thereafter did not exhibit any significantly higher 137 Cs levels. The maximum radiation dose to the eyes calculated for the radioactivity content of the books was 0.8 μR/hr and the minimum was 0.07 μR/hr; most of the books were in the range 0.3-0.5 μR/hr. (U.K.)

  16. book reviews

    African Journals Online (AJOL)

    book reviews. Self-testing in ... This book is a useful tool for registrar trainees and practising psy- chiatrists alike. ... sultation service and is a Professor of Psychiatry at Harvard. Medical ... It is recommended as a study aid and provides the ideal ...

  17. Design reflowable digital book template

    Science.gov (United States)

    Prasetya, Didik Dwi; Widiyaningtyas, Triyanna; Arifin, M. Zainal; Wahyu Sakti G., I.

    2017-09-01

    Electronic books (e-books or digital books) increasingly in demand and continue to grow in the form of future books. One of the standard format electronic books that potential is EPUB (electronic publication) published by the International Digital Publishing Forum (IDPF). This digital book has major advantages are able to provide interactive and reflowable content, which are not found in another book format, such as PDF. Reflowable content allows the book can be accessed through a variety of reader device, like desktop and mobile with a fit and comfort view. However, because the generating process of an EPUB digital book is not as easy a PDF, so this format is less popular. Therefore, in order to help overcome the existing problems, this paper develops digital reflowable text book templates to support electronic learning, especially in Indonesia. This template can be used by anyone to produce a standard digital book quickly and easily without requiring additional specialized knowledge.

  18. Digital Banking 2025

    OpenAIRE

    Gasser, Urs; Gassmann, Oliver; Hens, Thorsten; Leifer, Larry; Puschmann, Thomas; Zhao, Leon

    2017-01-01

    As time-to-market for digital banking products becomes shorter and shorter, thousands of Financial Technology (FinTech) startups and other non-banks are rising to the occasion by developing new products, services, and business models for all areas of banking in payments,investments, and financing along the entire value chain, touching all areas from front to back office, as client adoption of these new services accelerates. The lighting Company Osram, for example, recently had to reduce its w...

  19. Structural requirements of research tissue banks derived from standardized project surveillance.

    Science.gov (United States)

    Herpel, E; Koleganova, N; Schreiber, B; Walter, B; Kalle, C V; Schirmacher, P

    2012-07-01

    Tissue banks constitute decisive and rate-limiting resource and technology platforms for basic and translational biomedical research, notably in the area of cancer. Thus, it is essential to plan and structure tissue banking and allocate resources according to research needs, but essential requirements are still incompletely defined. The tissue bank of the National Center of Tumor Diseases Heidelberg (NCT) was founded with the intention to provide tissues of optimal quality and to prioritize the realization of research projects. We analysed its structure and prospective project management registration as well as tracking records for all projects of the NCT tissue bank as of its start in 2005 in order to obtain information that may be relevant for tissue bank planning. All project proposals submitted to the NCT tissue bank (n = 681) were included in the study. For a detailed evaluation of provided services, only projects that were completed until July 2011 (n = 605) were analysed. For these 605 projects, NCT tissue bank provided 769 specific services. In all projects/services, we recorded project leader, type and amount of material provided, type of research (basic/translational), work load of project and project completion. Furthermore, all completed projects were tracked after 90 days according to a standard protocol to determine principal investigators' (PI) satisfaction and quality of the provided material. Until July 2011, 605 projects had been successfully completed as documented by material transfer agreement. Of the projects, 72.7 % addressed basic research, 22.3 % were translational research projects and 3 % concerned epidemiological research; 91 % (n = 546) concerned a single PI and the NTC tissue bank. For these projects, 769 specific services were provided. Of these services, 288 concerned providing formalin-fixed and paraffin-embedded (FFPE) tissue (extracts, full size sections), 126 providing fresh frozen materials (including fresh frozen

  20. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  1. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

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

  2. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

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

  3. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

    Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

  4. Ownership concentration and bank risk (A study on banking sectors in Indonesia

    Directory of Open Access Journals (Sweden)

    Etikah Karyani

    2015-08-01

    Full Text Available The purpose of this study is to test empirically the relationship between ownership concentration and risk taking by banks which are proxied by the CAR and LDR (li-quidity ratio. The study was motivated by the limited previous studies that analyze the structure of ownership in financial institutions and the weaknesses in sampling. Our analysis focused on Indonesia because this country has implemented the Basel Accord II standards successfully. This regulatory compliance is expected can control banking risk. Using data from 2009 until 2013 and panel data. We found that the ownership concentration become important determinants of bank liquidity. These findings are expected to provide policy guidance for regulators, especially relating to the ownership structure of the bank. However, the ownership concentration proved to be involved in the management decision to risk taking in banks.

  5. Actual versus Perceived Central Bank Transparency : The Case of the European Central Bank

    NARCIS (Netherlands)

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

    2007-01-01

    Central banks have become more and more transparent about their monetary policy making process. In the central bank transparency lit- erature the distinction between actual and perceived central bank trans- parency is often lacking. However, as perceptions are crucial for the ac- tions of economic

  6. Pemanfaatan Sigil Untuk Pembuatan E-Book (Electronic Book dengan Format EPub

    Directory of Open Access Journals (Sweden)

    Rahmat Hidayat

    2017-04-01

    Full Text Available Memiliki koleksi buku yang berusia jutaan tahun akan membutuhkan biaya yang besar untuk merawatnya selain itu semakin banyaknya penulis menerbitkan buku-bukunya semakin banyak juga ruangan yang disediakan untuk menyimpan buku-buku tersebut. Dengan berkembangnya dunia teknologi, sekarang sudah ada buku digital atau lebih dikenal dengan elektronik book (e-book. E-book dapat dibaca dengan perangkat komputer, laptop bahkan perangkat seluler. Berbagai macam format e-book yang telah digunakan namun yang dapat menampilkan e-book sesuai dengan perangkat seluler dengan ukuran layar yang bervariasi adalah format electronic publication (epub. Jadi epub adalah standar format e-boook yang diperkenalkan oleh Intenational Digital Publishing Forum (IDPF pada oktober 2011 dengan aplikasi editornya sigil. Sigil adalah sebuah editor Open Source yang mudah didapatkan oleh semua penulis maupun pembaca.

  7. Children's Books in Review: Books on Strengthening Family Ties.

    Science.gov (United States)

    Winfield, Evelyn T.

    1991-01-01

    Reviews children's books that emphasize the strengthening of family ties. Characters in the books realize the importance and influence of family relationships as they struggle with sibling rivalry, self-discovery, peer relationships, a search for heritage, adoption, and death. (SM)

  8. READING ENGAGEMENT: A COMPARISON BETWEEN E-BOOKS AND TRADITIONAL PRINT BOOKS IN AN ELEMENTARY CLASSROOM

    Directory of Open Access Journals (Sweden)

    Troy Jones

    2011-07-01

    Full Text Available Electronic books (e-books are gaining popularity for personal reading. Options for access to a large selection of book titles and “anytime/anywhere” reading choices have added to the increased use of e-books. For this study, 22 third-grade students completed satisfaction surveys and reading comprehension tests on three separate reading sessions: one traditional print-based and two e-book titles. Indicators of reading engagement included motivation for independent reading and comprehension as measured by standardized tests on the print book and both e-books. Results showed that format was not as important as students’ identification with setting, characters, and theme of the book. Students did, however, indicate a preference for e-books when given the option of a wide selection of titles and the freedom to choose their own e-book. Students further indicated a preference for the amenities associated with e-book reading such as pop-up definitions and pronunciations of words, automatic page turning, and the option of read-aloud narration. The authors concluded that children quickly become comfortable with e-books and welcomed the technology. However, they are not completely ready to disregard print books.

  9. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

    Full Text Available The integration of different states in a already existing union or in a new one represents a long-lasting process involving harmonisations on various fields – political, economic, legislative, social, cultural, technological, informational, etc. Besides the integration of the states and of the different authorities in a common mechanist, the business organizations also have to comply with certain standards and to align to certain procedures. The banking system is not an exception being probably one of the pillars of the economic and financial integration of a state in a union. Banking integration may be considered the process leading to a convergence towards a single market for all products, processes, procedures, standards, transactions from the banking field. All sets of standards, mechanisms and procedures should be observed both by banks, regulation and control bodies, but also by customers. Only in this way one can create the premises for the most favourable banking transactions. The integration of the banking system in a union is determined, conditioned and influenced by a series of factors. Based on the data published by the Bank for International Settlements, the authors carry out a close and pertinent empirical analysis of the banking assets flows between the Eurozone countries in the period 2000-2014. The paper also deals with the commitments that the recent economic-financial crisis created on the banking assets flows. The authors resort to regression equations in order to demonstrate the connection between the effects of banking integration and various factors involved (the relative dimension of the country, the significance of the banks in the financial system, the Herfindhal index, the degree of concentration or dispersion of the property on banks, the degree of independence, the tradition of law. In order to measure the level of banking integration of the national bank systems, the indices we used are the degree of openness

  10. Supporting Book Search

    DEFF Research Database (Denmark)

    Bogers, Toine; Petras, Vivien

    2017-01-01

    of information needs. In this paper, we present a large-scale empirical comparison of the effectiveness of book metadata elements for searching complex information needs. Using a test collection of over 2 million book records and over 330 real-world book search requests, we perform a highly controlled and in......-depth analysis of topical metadata, comparing controlled vocabularies with social tags. Tags perform better overall in this setting, but controlled vocabulary terms provide complementary information, which will improve a search. We analyze potential underlying factors that contribute to search performance......, such as the relevance aspect(s) mentioned in a request or the type of book. In addition, we investigate the possible causes of search failure. We conclude that neither tags nor controlled vocabularies are wholly suited to handling the complex information needs in book search, which means that different approaches...

  11. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fe...

  12. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  13. Animals, Kids & Books: A Guide for Putting Humane Books into the Hands of Children.

    Science.gov (United States)

    Freedman, Barbara

    This guide for choosing humane children's books (i.e., books in which animals are not eaten, expolited, or treated with cruelty) presents reviews of over 100 books for children up to age 7. Both subtle and blatant examples of animal exploitation portrayed in children's picture books are examined. Reviews are grouped into 3 categories: kind books,…

  14. Long-term stability analysis of the left bank abutment slope at Jinping I hydropower station

    Directory of Open Access Journals (Sweden)

    Long Zhang

    2016-06-01

    Full Text Available The time-dependent behavior of the left bank abutment slope at Jinping I hydropower station has a major influence on the normal operation and long-term safety of the hydropower station. To solve this problem, a geomechanical model containing various faults and weak structural planes is established, and numerical simulation is conducted under normal water load condition using FLAC3D, incorporating creep model proposed based on thermodynamics with internal state variables theory. The creep deformations of the left bank abutment slope are obtained, and the changes of principal stresses and deformations of the dam body are analyzed. The long-term stability of the left bank abutment slope is evaluated according to the integral curves of energy dissipation rate in domain and its derivative with respect to time, and the non-equilibrium evolution rules and the characteristic time can also be determined using these curves. Numerical results show that the left bank abutment slope tends to be stable in a global sense, and the stress concentration is released. It is also indicated that more attention should be paid to some weak regions within the slope in the long-term deformation process.

  15. Experimental Cowpox Virus (CPXV) Infections of Bank Voles: Exceptional Clinical Resistance and Variable Reservoir Competence.

    Science.gov (United States)

    Franke, Annika; Ulrich, Rainer G; Weber, Saskia; Osterrieder, Nikolaus; Keller, Markus; Hoffmann, Donata; Beer, Martin

    2017-12-19

    Cowpox virus (CPXV) is a zoonotic virus and endemic in wild rodent populations in Eurasia. Serological surveys in Europe have reported high prevalence in different vole and mouse species. Here, we report on experimental CPXV infections of bank voles ( Myodes glareolus ) from different evolutionary lineages with a spectrum of CPXV strains. All bank voles, independently of lineage, sex and age, were resistant to clinical signs following CPXV inoculation, and no virus shedding was detected in nasal or buccal swabs. In-contact control animals became only rarely infected. However, depending on the CPXV strain used, inoculated animals seroconverted and viral DNA could be detected preferentially in the upper respiratory tract. The highest antibody titers and virus DNA loads in the lungs were detected after inoculation with two strains from Britain and Finland. We conclude from our experiments that the role of bank voles as an efficient and exclusive CPXV reservoir seems questionable, and that CPXV may be maintained in most regions by other hosts, including other vole species. Further investigations are needed to identify factors that allow and modulate CPXV maintenance in bank voles and other potential reservoirs, which may also influence spill-over infections to accidental hosts.

  16. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

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

  17. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

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

  18. Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions

    Directory of Open Access Journals (Sweden)

    Roro Hindun

    2016-12-01

    Full Text Available People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders.   Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA

  19. The Role of Book Familiarity and Book Type on Mothers' Reading Strategies and Toddlers' Responsiveness

    Science.gov (United States)

    Fletcher, Kathryn L.; Finch, W. Holmes

    2015-01-01

    The purpose of the current study was to examine how maternal reading strategies and book type would impact on toddlers' responsiveness as they became familiar with three books. Eleven mothers and their 2- to 3-year-olds were recorded reading the same set of three different books (i.e. word book, narrative book and no narrative book) on four…

  20. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

    In a theoretical model of the Diamond-Dybvig style, in which deposit-taking banks and financial markets coexist, bank behavior is analyzed taking into account a positive ex-ante probability of a future financial crisis. We focus on the role of the interaction of market liquidity and banks' funding liquidity in the propagation of shocks in the financial system. Our findings suggest that in particular bank-dominated financial systems are prone to contagious bank runs due to asset price deterior...