Aligning Work Processes and the Adviser Portal Bank System

DEFF Research Database (Denmark)

Jørgensen, Jens Bæk; Lassen, Kristian Bisgaard

2006-01-01

The Adviser Portal (AP) is a new IT system for 15 Danish banks. The main goal of AP is to increase the efficiency and quality of bank advisers’ work. Re- quirements engineering for AP includes describing new work processes that must be supported by AP using a combination of: (1) prose and informal...... drawings; (2) The Adviser Portal (AP) is a new IT system for 15 Danish banks. The main goal of AP is to increase the efficiency and quality of bank advisers' work. Requirements engineering for AP includes describing new work processes that musty be supported by AP using a combination of: (1) prose...... and informal drawings; (2) formal models; (3) graphical animation. This representation helps users and system analysts to align new work processes and AP via early experiments in a prototyping fashion. The contribution of this paper is to present and reflect upon the analysis and descrition of one specific...

Improvement of the system of management of business processes of the bank

Directory of Open Access Journals (Sweden)

Pereverzev Pavel Petrovich

2013-07-01

Full Text Available The aim is to develop a scientific - methodological and scientific - methodological issues of the effective technologies for managing business processes of the bank. It is shown that the development and implementation of detailed functional models of management for all business processes of the bank, establishing a structural relationship between the functions of planning, organizing, recording, monitoring, analysis, management and improvement of the business process management object, and development of additional management information systems, will significantly increase the level of automation of the bank, to improve the existing banking information system and improve the competitiveness of the bank.

The processes of mergers and acquisitions in the Russian banking business

Directory of Open Access Journals (Sweden)

Gritsenko S. E.

2017-02-01

Full Text Available the article is dedicated to the changes in the banking sector due to sales and aggregation of the small and medium-sized banks. This paper describes the processes of consolidation and aggregation of the banking sector in Russia, it analyses the dynamics of the M&A deals and identifies the main trends in this market segment for 2017–2018. Based on the overview of the Russian M&A market (M&A means mergers and acquisitions in the banking sector for the past years a conclusion is drawn about the aims and rationale of the modern processes of mergers and acquisitions in the Russian banking business.

Minimizing Banking Risk in a Lévy Process Setting

Directory of Open Access Journals (Sweden)

F. Gideon

2007-01-01

Full Text Available The primary functions of a bank are to obtain funds through deposits from external sources and to use the said funds to issue loans. Moreover, risk management practices related to the withdrawal of these bank deposits have always been of considerable interest. In this spirit, we construct Lévy process-driven models of banking reserves in order to address the problem of hedging deposit withdrawals from such institutions by means of reserves. Here reserves are related to outstanding debt and acts as a proxy for the assets held by the bank. The aforementioned modeling enables us to formulate a stochastic optimal control problem related to the minimization of reserve, depository, and intrinsic risk that are associated with the reserve process, the net cash flows from depository activity, and cumulative costs of the bank's provisioning strategy, respectively. A discussion of the main risk management issues arising from the optimization problem mentioned earlier forms an integral part of our paper. This includes the presentation of a numerical example involving a simulation of the provisions made for deposit withdrawals via treasuries and reserves.

Business Process Reengineering Of Funding On Indonesia’s Islamic Banks

Directory of Open Access Journals (Sweden)

Aslam Mei Nur Widigdo

2016-02-01

Full Text Available This research attempts to analyze the value chain of Islamic banking business processes and to develop a business processes model on depositors’ funds in order to improve the performance of Islamic banks. Four models of Islamic banking operating in Indonesia are used as the objects of the study. This research applies qualitative study (exploratory approach and utilizes primary data obtained from questionnaire and interviews. This data are then processed by value stream mapping and process activity mapping. This study shows that the waiting time for services is the sub-stage of business process that does not have value added and categorized as pure waste based on VSM criteria.The reengineering of business process of the third party fundraising may reduce collection time up to 1490 minutes for corporate customer and 22 minutes for individual customer.DOI: 10.15408/aiq.v8i1.2506

SPECIFIC ASPECTS OF THE PROCESS OF BANKING CONCENTRATION AND CONSOLIDATION IN THE EUROPEAN UNION

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COPIL CRINA ANGELA

2015-04-01

Full Text Available In this paper I proposed to anaylze the main aspect that characterized the process of bank concentration and consolidation in the European union, knowing their evolutions and particularities on the European and world bank sector and the effects that they have on the banks and the economy altogether. I presented the evolution of the number of banks, evolution that reflects the degree of consolidation of the bank system. Based on the financial crisis begun in 2008 the number of credit institutions decreased continuously as a consequence of the processes of bank mergers and acquisitions generated by the uncertainties of the economic perspectives. Also I analyzed the evolution of the degree of bank concentration in the European countries, process that underlines the degree of domination of the banking market accomplished by some great banks. We consider essential the knowing of this process because the increase of the bank concentration leads to the creating of some bank entities with very large dimensions, that in the periods of crisis can generate macro economic imbalances by involving the state in their subventioning. The research is based mainly on compiled statistic data offered by the European Central Bank (BCE, data that are published annualy and that were processed to be able to offer an overview on the most important modifications that took place in the European union and in its representative countries.

RESEARCH OF PROCESS OF FINANCIAL MONITORING ORGANIZING IN BANKS

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Viktoriia Kovalenko

2017-03-01

Full Text Available The article aims to study methods and tools for financial monitoring by banks. It is proved that one of the main global financial problems in recent years is increasing number of cases of banks participating in the money laundering. It causes banks huge losses, undermines the credibility of honest depositors, in addition, circulation of funds like these hurts the national economy. The article is to develop recommendations to improve the effectiveness of financial monitoring in banks. It is proved that the current model of the national financial monitoring system includes the following elements: the purpose of macroeconomic and microeconomic levels; principles; function; facilities; subjects; types of financial monitoring; methods of implementation and regulatory prevue regulation. It is proved that the major problems related to the financial monitoring of banks are the following: lack of legislatively established quality requirements of customer information; persons engaged in legalization of illegal incomes are highly qualified, which greatly facilitates them through the bank of suspicious transactions; the process of settlement bank failure in the conduct of questionable transactions. Keywords: financial monitoring, suspicious transactions, bank, money laundering, financing of terrorism.

An Australian Brain Bank: a critical investment with a high return!

Science.gov (United States)

Garrick, T.; Dedova, I.; Hunt, C.; Miller, R.; Sundqvist, N.; Harper, C.

2012-01-01

Research into neuropsychiatric disorders, including alcohol-related problems, is limited in part by the lack of appropriate animal models. However, the development of new technologies in pathology and molecular biology means that many more questions can be addressed using appropriately stored human brain tissues. The New South Wales Tissue Resource Centre (TRC) in the University of Sydney (Australia) is a human brain bank that can provide tissues to the neuroscience research community studying alcohol-related brain disorders, schizophrenia, depression and bipolar disorders. Carefully standardised operational protocols and integrated information systems means that the TRC can provide high quality, accurately characterised, tissues for research. A recent initiative, the pre-mortem donor program called “Using our Brains”, encourages individuals without neuropsychiatric illness to register as control donors, a critical group for all research. Community support for this program is strong with over 2,000 people registering their interest. Discussed herein are the protocols pertaining to this multifaceted facility and the benefits of investment, both scientific and financial, to neuroscience researchers and the community at large. PMID:18543078

Process of Internationalization in Islamic Banking: The Case of Serbia

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Aida Hanić

2017-12-01

Full Text Available Islamic banks are financial institutions operating in accordance with religious Islamic law (Sharia. Although it is familiar as non interest banking, because the interest is forbidden, Islamic banking represents a complete set of moral and ethical activities that must be taken into account when making investment decisions and financing business activities. Share of Islamic banking in Islamic finance is around 80% with the value of approximately $ 1.57 trillion by the end of 2015 (IFSI Stability Report 2016. Islamic banking in Western Balkan is present only in Bosnia and Herzegovina (B&H that has one Islamic bank, Bosna Bank International (BBI established in 2000. Serbia, as a country that has attracted many Arab investors, doesn’t have any Islamic bank operating in the country. The aim of this research is to explore is there a public interest in Islamic banking, especially among the commercial banks in Serbia and are there possibilities for development of Islamic banking in this country. To explore these two main questions, author conducted a research by using a questionnaire among the chairmen and members of the administrative Board of 12 commercial banks in Serbia. The result of the research show that commercial banks in Serbia are not interested in this type of a banking activity. On the other hand they are also not sufficiently familiar with the concept of Islamic banking. The research showed that process of internationalization of Islamic banking is not present in Serbia.

Business process reengineering and Nigerian banking system efficiency

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2017-12-01

Full Text Available Prior to 2000, and before banks in Nigeria embraced the NBS was inefficient, characterized by frauds, long queues, nonperforming loans, illiquidity and distress. As one way of overcoming these challenges banks started to focus on BPR as a veritable tool to drive efficiency customer satisfaction and improved shareholder value. With the advent of BPR and process improvement efficiency gradually strolled back in to the NBS Against the prereengineering era when the liquidity ratio of the NBS was minus 15.92 percent in 1996 with no bank meeting the 30 percent minimum prudential requirement, the NBS had a positive average liquidity ratio of 65.69 in 2011 with all the banks meeting the 30 percent minimum liquidity ratio. The banks that introduced BPR early in the 2000s have remained without distress, liquid, efficient with high growths in gross earnings, total assets profitability and total equity. The research design was deployed for the study, and it was found that BPR has positive effect on NBS efficiency.

WORLD BANK: Status of Grievance Process Reform

National Research Council Canada - National Science Library

1999-01-01

In June 1998, in response, to concerns about the fairness of its employee grievance process and as part of a broader effort to reform its human resource policies, the World Bank appointed an internal...

Analysis of changing bank services in globalization process of financial business

Directory of Open Access Journals (Sweden)

A.Mumi

2017-12-01

Full Text Available The process of economic development of every country is closely connected with the functioning of effective infrastructure of financial market, in the carter of which is a bank system. The success of market relations, the provision of intensive economic growth, the increasing country’s competitiveness at the world market and the growth of population well-being are determined by the fact of how much effectively banks are able to act at different segments of bank services. The innovations in the bank field are closely connected with the innovations in the global and world financial sector. The issues about the influence of globalization on bank activities, the development of market of bank services, empirical researches are of great interest nowadays. Special attention is paid to the Ukrainian market of bank services. The analysis of the current state of the bank sector of the Ukrainian economy gives an opportunity to disclose some problems in the bank sphere as: political and financial instability in the country, the low quality of bank assets, the decrease of liquidity of bank assets, the low credit to the bank system among population, unstable legal framework in the state, the high level of vulnerability of the bank system to the country’s currency policy conducted by NBU.

The importance of brain banks for molecular neuropathological research: The New South Wales Tissue Resource Centre experience.

Science.gov (United States)

Dedova, Irina; Harding, Antony; Sheedy, Donna; Garrick, Therese; Sundqvist, Nina; Hunt, Clare; Gillies, Juliette; Harper, Clive G

2009-01-01

New developments in molecular neuropathology have evoked increased demands for postmortem human brain tissue. The New South Wales Tissue Resource Centre (TRC) at The University of Sydney has grown from a small tissue collection into one of the leading international brain banking facilities, which operates with best practice and quality control protocols. The focus of this tissue collection is on schizophrenia and allied disorders, alcohol use disorders and controls. This review highlights changes in TRC operational procedures dictated by modern neuroscience, and provides examples of applications of modern molecular techniques to study the neuropathogenesis of many different brain disorders.

The Peculiarities of Building Motivational Process in Bank (on the Example of PJSC CB «PrivatBank»

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Izyumtseva Natalya V.

2017-11-01

Full Text Available The article considers the motivational process in bank. The essence of material and intangible component of encouraging employees to work has been disclosed. Attention is paid to the model of staff motivation on the example of PJSC CB «PrivatBank». The main disadvantages of motivational process have been identified and ways of improvement of the existing system of staff motivation have been suggested in favor of obtaining the best labor productivity.

Psychometric evaluation of the pediatric and parent-proxy Patient-Reported Outcomes Measurement Information System and the Neurology and Traumatic Brain Injury Quality of Life measurement item banks in pediatric traumatic brain injury.

Science.gov (United States)

Bertisch, Hilary; Rivara, Frederick P; Kisala, Pamela A; Wang, Jin; Yeates, Keith Owen; Durbin, Dennis; Zonfrillo, Mark R; Bell, Michael J; Temkin, Nancy; Tulsky, David S

2017-07-01

The primary objective is to provide evidence of convergent and discriminant validity for the pediatric and parent-proxy versions of the Patient-Reported Outcomes Measurement Information System (PROMIS) Anxiety, Depression, Anger, Peer Relations, Mobility, Pain Interference, and Fatigue item banks, the Neurology Quality of Life measurement system (Neuro-QOL) Cognition-General Concerns and Stigma item banks, and the Traumatic Brain Injury Quality of Life (TBI-QOL) Executive Function and Headache item banks in a pediatric traumatic brain injury (TBI) sample. Participants were 134 parent-child (ages 8-18 years) days. Children all sustained TBI and the dyads completed outcome ratings 6 months after injury at one of six medical centers across the United States. Ratings included PROMIS, Neuro-QOL, and TBI-QOL item banks, as well as the Pediatric Quality of Life inventory (PedsQL), the Health Behavior Inventory (HBI), and the Strengths and Difficulties Questionnaire (SDQ) as legacy criterion measures against which these item banks were validated. The PROMIS, Neuro-QOL, and TBI-QOL item banks demonstrated good convergent validity, as evidenced by moderate to strong correlations with comparable scales on the legacy measures. PROMIS, Neuro-QOL, and TBI-QOL item banks showed weaker correlations with ratings of unrelated constructs on legacy measures, providing evidence of discriminant validity. Our results indicate that the constructs measured by the PROMIS, Neuro-QOL, and TBI-QOL item banks are valid in our pediatric TBI sample and that it is appropriate to use these standardized scores for our primary study analyses.

Magnitude and processes of bank erosion at a small stream in Denmark

DEFF Research Database (Denmark)

Veihe, Anita; Jensen, Niels H.; Schiøtz, Iris Gunia

2011-01-01

River banks are important sources of sediment and phosphorus to fluvial systems, and the erosion processes operating on the banks are complex and change over time. This study explores the magnitude of bank erosion on a cohesive streambank within a small channelized stream and studies the various...... (17Ð6–30Ð1 mm year-1) and total P content on the banks were relatively high, which makes the bank an important source of sediment and phosphorus to the stream, and it was estimated that 0Ð27 kg Ptot year-1 ha-1 may potentially be supplied to the stream from the banks. Yearly pin erosion rates...

ADMINISTRATION OF THE INFORMATION AND THE PROCESS OF BANK NEGOTIATION

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Almir Lindemann

2009-07-01

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

Prioritizing the client trust factors in electronic banking using analytic hierarchy process

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Hossein vazifedust

2014-04-01

Full Text Available This paper prioritizes the trust factors among electronic banking clients of an Iranian bank named Parsian Bank. The study first analyzes and reviews the literature and interviews with experts of electronic banking and academicians and determines client trust as the most important factor for development of electronic banking. The study also determines different factors associated with trust, which includes individual factors, banking factors and infrastructural factors. The sample populations consist of 25 experts who are academicians, managers and bank officers, clients of electronic banking. The necessary data was collected through conducting interviews and questionnaires and they are analyzed using analytic hierarchy process (AHP. The research findings indicate that the attitudinal factors, telecommunication infrastructure and cultural factors were the most influential factors accordingly and the customer orientation and ease of access were the least influential factors.

Process quality in the Trade Finance unit from the perspective of corporate banking employees

OpenAIRE

Mikkola, Henri

2013-01-01

This thesis examines the quality of the processes in the Trade Finance unit of Pohjola Bank, from the perspective of the corporate banking employees at Helsinki OP Bank. The Trade Finance unit provides methods of payment for foreign trade. Such services are intended for companies and the perspective investigated in this thesis is that of corporate banking employees. The purpose of this thesis is to define the quality of the processes and to develop solutions for difficulties discovered. The q...

Physical processes and sedimentation on a broad, shallow bank

Science.gov (United States)

Murray, S. P.; Hsu, S. A.; Roberts, H. H.; Owens, E. H.; Crout, R. L.

1982-02-01

An integrated study of the meteorology, physical oceanography, sedimentationand coastal morphology on the broad, shallow Miskito Bank off the eastern coast of Nicaragua has uncovered systematic interrelationships between driving forces. Bank geometry and sedimentologic environments on the Bank. Extremely high rainfall results from an interaction between meteorological processes over the Bank and topographic effects along the coast. Both acoustic and radio sounding of the lower atmosphere have documented the feedback between convective plumes, inversion layers and the incessant rainfall, which brings three times more freshwater and 15 times more sediment down to a unit length of coast than on the U.S. Atlantic shore. The resultant brackish, turbid coastal water moves as a highly organized band of water parallel to the coast. Seaward of this coastal boundary layer, offshore water from the Caribbean Current rides up on the Bank and provides an environment ideal for carbonate production. A zone of fine-grained terrigenous sediment underlying the coastal boundary current merges abruptly into a smooth carbonate plain covering most of the surface of the Bank. These central Bank carbonates are composed primarily of the disintegration products of prolific calcareous green algae. A trend of high relief, luxuriant coral reef growth is aligned along the steep dropoff at the Bank edge, a zone of observed upwelling of cooler and saltier basin water. A threefold southerly increase in wave energy at the shoreline due to the decreasing width of the shallow shelf results in wave-dominated coastal morphologies in the south compared to fluvial domination in the north and a systematic change from straight, linear bars and beaches in the north to rhythmic topography in the south.

Collecting, storing, and mining research data in a brain bank.

Science.gov (United States)

Webster, Maree J; Kim, Sanghyeon

2018-01-01

The Stanley Medical Research Institute Brain Collection distributes samples from specified cohorts that contain demographically matched groups of subjects with mental illnesses such as schizophrenia, bipolar disorder, and major depression, as well as unaffected controls. The groups are matched by age, sex, race, postmortem interval, pH, side of brain, and mRNA quality. The samples are distributed coded so that all data must be returned in order to obtain the demographic information. The database contains more than 5000 individual data sets, as well as data from high-throughput microarray, sequencing, and proteomic studies. While most data were generated from the frontal cortex and hippocampus, the cerebellum has the most data sets that differ significantly between diagnostic groups and controls. The database contains interactive features and statistical tools that enable online data mining and real-time data analysis. The decrease in density of parvalbumin-positive neurons in schizophrenia, one of the most replicated findings in the field, is used to illustrate features of the brain bank. We describe how this finding can be replicated and validated in this database. We also show how the density of parvalbumin-positive neurons is correlated with markers of immune activation in the neuropathology data sets, how it is correlated with immune-related genes in a microarray data set, and how it is associated with a single-nucleotide polymorphism in the immune complement system. Copyright © 2018 Elsevier B.V. All rights reserved.

Ensuring the Process of Realisation of Financial Planning of Banking Activity

OpenAIRE

Kirkach Svitlana M.

2014-01-01

The article studies theoretical aspects of the process of realisation of financial planning of the bank's activity and identifies and justifies its six main stages: 1) goal formation stage; 2) preparation stage; 3) assessment; 4) financial plan approval; 5) financial plan execution, and 6) stage of the financial plan monitoring, control and adjustment. The above sequence of stages of the process of realisation of financial planning of the bank's activity allows a trustworthy assessment of the...

The importance of establishing an international network of tissue banks and regional tissue processing centers.

Science.gov (United States)

Morales Pedraza, Jorge

2014-03-01

During the past four decades, many tissue banks have been established across the world with the aim of supplying sterilized tissues for clinical use and research purposes. Between 1972 and 2005, the International Atomic Energy Agency supported the establishment of more than sixty of these tissue banks in Latin America and the Caribbean, Asia and the Pacific, Africa and Eastern Europe; promoted the use of the ionizing radiation technique for the sterilization of the processed tissues; and encouraged cooperation between the established tissue banks during the implementation of its program on radiation and tissue banking at national, regional and international levels. Taking into account that several of the established tissue banks have gained a rich experience in the procurement, processing, sterilization, storage, and medical use of sterilized tissues, it is time now to strengthen further international and regional cooperation among interested tissue banks located in different countries. The purpose of this cooperation is to share the experience gained by these banks in the procurement, processing, sterilization, storage, and used of different types of tissues in certain medical treatments and research activities. This could be done through the establishment of a network of tissue banks and a limited number of regional tissue processing centers in different regions of the world.

HPDB-Haskell library for processing atomic biomolecular structures in Protein Data Bank format.

Science.gov (United States)

Gajda, Michał Jan

2013-11-23

Protein DataBank file format is used for the majority of biomolecular data available today. Haskell is a lazy functional language that enjoys a high-level class-based type system, a growing collection of useful libraries and a reputation for efficiency. I present a fast library for processing biomolecular data in the Protein Data Bank format. I present benchmarks indicating that this library is faster than other frequently used Protein Data Bank parsing programs. The proposed library also features a convenient iterator mechanism, and a simple API modeled after BioPython. I set a new standard for convenience and efficiency of Protein Data Bank processing in a Haskell library, and release it to open source.

Process Innovation with Blockchain in Banking - A case study of how Blockchain can change the KYC process in banks.

OpenAIRE

Thavanathan, Jenitha

2017-01-01

Innovation is the key to prosperity in competitive markets, as almost every significant business venture can trace its roots to an original spark of innovation, and on occasion, ground breaking innovation would foster a new way of thinking. Enter Blockchain, an emerging factor contributing to the industry's forced transition into a digital-first age. This thesis aims to uncover how process innovation with Blockchain technology can reinvent KYC processes in the banking industry today. This is ...

TECHNOLOGIES OF BRAIN IMAGES PROCESSING

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O.M. Klyuchko

2017-12-01

Full Text Available The purpose of present research was to analyze modern methods of processing biological images implemented before storage in databases for biotechnological purposes. The databases further were incorporated into web-based digital systems. Examples of such information systems were described in the work for two levels of biological material organization; databases for storing data of histological analysis and of whole brain were described. Methods of neuroimaging processing for electronic brain atlas were considered. It was shown that certain pathological features can be revealed in histological image processing. Several medical diagnostic techniques (for certain brain pathologies, etc. as well as a few biotechnological methods are based on such effects. Algorithms of image processing were suggested. Electronic brain atlas was conveniently for professionals in different fields described in details. Approaches of brain atlas elaboration, “composite” scheme for large deformations as well as several methods of mathematic images processing were described as well.

Database Security for an Integrated Solution to Automate Sales Processes in Banking

OpenAIRE

Alexandra Maria Ioana FLOREA

2013-01-01

In order to maintain a competitive edge in a very active banking market the implementation of a web-based solution to standardize, optimize and manage the flow of sales / pre-sales and generating new leads is requested by a company. This article presents the realization of a development framework for software interoperability in the banking financial institutions and an integrated solution for achieving sales process automation in banking. The paper focuses on presenting the requirements for ...

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...

Corporate Choice of Banks: Decision Factors, Decision Maker, and Decision Process – First Evidence

NARCIS (Netherlands)

Ongena, S.; Tumer Alkan, G.; Vermeer, B.

2011-01-01

In this paper, we investigate how firms choose their banks. We focus on the role played by the decision factors, the decision maker and the decision process in determining firm-bank relationships. We have access to a unique survey that was run by a major bank in the Czech Republic. We find that

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...

Database Security for an Integrated Solution to Automate Sales Processes in Banking

Directory of Open Access Journals (Sweden)

Alexandra Maria Ioana FLOREA

2013-05-01

Full Text Available In order to maintain a competitive edge in a very active banking market the implementation of a web-based solution to standardize, optimize and manage the flow of sales / pre-sales and generating new leads is requested by a company. This article presents the realization of a development framework for software interoperability in the banking financial institutions and an integrated solution for achieving sales process automation in banking. The paper focuses on presenting the requirements for security and confidentiality of stored data and also on presenting the identified techniques and procedures to implement these requirements.

Banking for the future: an Australian experience in brain banking.

Science.gov (United States)

Sarris, M; Garrick, T M; Sheedy, D; Harper, C G

2002-06-01

The New South Wales (NSW) Tissue Resource Centre (TRC) has been set up to provide Australian and international researchers with fixed and frozen brain tissue from cases that are well characterised, both clinically and pathologically, for projects related to neuropsychiatric and alcohol-related disorders. A daily review of the Department of Forensic Medicine provides initial information regarding a potential collection. If the case adheres to the strict inclusion criteria, the pathologist performing the postmortem examination is approached regarding retention of the brain tissue. The next of kin of the deceased is then contacted requesting permission to retain the brain for medical research. Cases are also obtained through donor programmes, where donors are assessed and consent to donate their brain during life. Once the brain is removed at autopsy, the brain is photographed, weighed and the volume determined, the brainstem and cerebellum are removed. The two hemispheres are divided, one hemisphere is fresh frozen and one fixed (randomised). Prior to freezing, the hemisphere is sliced into 1-cm coronal slices and a set of critical area blocks is taken. All frozen tissues are kept bagged at -80 degrees C. The other hemisphere is fixed in 15% buffered formalin for 2 weeks, embedded in agar and sliced at 3-mm intervals in the coronal plane. Tissue blocks from these slices are used for neuropathological analysis to exclude any other pathology. The TRC currently has 230 cases of both fixed and frozen material that has proven useful in a range of techniques in many research projects. These techniques include quantitative analyses of brain regions using neuropathological, neurochemical, neuropharmacological and gene expression assays.

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

Science.gov (United States)

Keal, Donald A; Hebert, Phil

2010-12-01

A formal sales and operations planning (S&OP) process is a decision making and communication process that balances supply and demand while integrating all business operational components with customer-focused business plans that links high level strategic plans to day-to-day operations. Furthermore, S&OP can assist in managing change across the organization as it provides the opportunity to be proactive in the face of problems and opportunities while establishing a plan for everyone to follow. Some of the key outcomes from a robust S&OP process in blood banking would include: higher customer satisfaction (donors and health care providers), balanced inventory across product lines and customers, more stable production rates and higher productivity, more cooperation across the entire operation, and timely updates to the business plan resulting in better forecasting and fewer surprises that negatively impact the bottom line. © 2010 American Association of Blood Banks.

International Heart Valve Bank Survey: A Review of Processing Practices and Activity Outcomes

Science.gov (United States)

Albrecht, Helmi; Lim, Yeong Phang; Manning, Linda

2013-01-01

A survey of 24 international heart valve banks was conducted to acquire information on heart valve processing techniques used and outcomes achieved. The objective was to provide an overview of heart valve banking activities for tissue bankers, tissue banking associations, and regulatory bodies worldwide. Despite similarities found for basic manufacturing processes, distinct differences in procedural details were also identified. The similarities included (1) use of sterile culture media for procedures, (2) antibiotic decontamination, (3) use of dimethyl sulfoxide (DMSO) as a cryoprotectant, (4) controlled rate freezing for cryopreservation, and (5) storage at ultralow temperatures of below −135°C. Differences in procedures included (1) type of sterile media used, (2) antibiotics combination, (3) temperature and duration used for bioburden reduction, (4) concentration of DMSO used for cryopreservation, and (5) storage duration for released allografts. For most banks, the primary reasons why allografts failed to meet release criteria were positive microbiological culture and abnormal morphology. On average, 85% of allografts meeting release criteria were implanted, with valve size and type being the main reasons why released allografts were not used clinically. The wide variation in percentage of allografts meeting release requirements, despite undergoing validated manufacturing procedures, justifies the need for regular review of important outcomes as cited in this paper, in order to encourage comparison and improvements in the HVBs' processes. PMID:24163756

Management control of credit risk in the bank lending process

NARCIS (Netherlands)

Scheffer, S.B.

2004-01-01

Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

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

The endocannabinoid system in brain reward processes.

Science.gov (United States)

Solinas, M; Goldberg, S R; Piomelli, D

2008-05-01

Food, drugs and brain stimulation can serve as strong rewarding stimuli and are all believed to activate common brain circuits that evolved in mammals to favour fitness and survival. For decades, endogenous dopaminergic and opioid systems have been considered the most important systems in mediating brain reward processes. Recent evidence suggests that the endogenous cannabinoid (endocannabinoid) system also has an important role in signalling of rewarding events. First, CB(1) receptors are found in brain areas involved in reward processes, such as the dopaminergic mesolimbic system. Second, activation of CB(1) receptors by plant-derived, synthetic or endogenous CB(1) receptor agonists stimulates dopaminergic neurotransmission, produces rewarding effects and increases rewarding effects of abused drugs and food. Third, pharmacological or genetic blockade of CB(1) receptors prevents activation of dopaminergic neurotransmission by several addictive drugs and reduces rewarding effects of food and these drugs. Fourth, brain levels of the endocannabinoids anandamide and 2-arachidonoylglycerol are altered by activation of reward processes. However, the intrinsic activity of the endocannabinoid system does not appear to play a facilitatory role in brain stimulation reward and some evidence suggests it may even oppose it. The influence of the endocannabinoid system on brain reward processes may depend on the degree of activation of the different brain areas involved and might represent a mechanism for fine-tuning dopaminergic activity. Although involvement of the various components of the endocannabinoid system may differ depending on the type of rewarding event investigated, this system appears to play a major role in modulating reward processes.

hPDB – Haskell library for processing atomic biomolecular structures in protein data bank format

OpenAIRE

Gajda, Michał Jan

2013-01-01

Background Protein DataBank file format is used for the majority of biomolecular data available today. Haskell is a lazy functional language that enjoys a high-level class-based type system, a growing collection of useful libraries and a reputation for efficiency. Findings I present a fast library for processing biomolecular data in the Protein Data Bank format. I present benchmarks indicating that this library is faster than other frequently used Protein Data Bank parsing programs. The propo...

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.

Using autopsy brain tissue to study alcohol-related brain damage in the genomic age.

Science.gov (United States)

Sutherland, Greg T; Sheedy, Donna; Kril, Jillian J

2014-01-01

The New South Wales Tissue Resource Centre at the University of Sydney, Australia, is one of the few human brain banks dedicated to the study of the effects of chronic alcoholism. The bank was affiliated in 1994 as a member of the National Network of Brain Banks and also focuses on schizophrenia and healthy control tissue. Alcohol abuse is a major problem worldwide, manifesting in such conditions as fetal alcohol syndrome, adolescent binge drinking, alcohol dependency, and alcoholic neurodegeneration. The latter is also referred to as alcohol-related brain damage (ARBD). The study of postmortem brain tissue is ideally suited to determining the effects of long-term alcohol abuse, but it also makes an important contribution to understanding pathogenesis across the spectrum of alcohol misuse disorders and potentially other neurodegenerative diseases. Tissue from the bank has contributed to 330 peer-reviewed journal articles including 120 related to alcohol research. Using the results of these articles, this review chronicles advances in alcohol-related brain research since 2003, the so-called genomic age. In particular, it concentrates on transcriptomic approaches to the pathogenesis of ARBD and builds on earlier reviews of structural changes (Harper et al. Prog Neuropsychopharmacol Biol Psychiatry 2003;27:951) and proteomics (Matsumoto et al. Expert Rev Proteomics 2007;4:539). Copyright © 2013 by the Research Society on Alcoholism.

Brain Migration Revisited

Science.gov (United States)

Vinokur, Annie

2006-01-01

The "brain drain/brain gain" debate has been going on for the past 40 years, with irresolvable theoretical disputes and unenforceable policy recommendations that economists commonly ascribe to the lack of reliable empirical data. The recent report of the World Bank, "International migration, remittances and the brain drain", documents the…

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.

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

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...

Dynamic of Mud Banks In French Guiana : An Experimental Investigation of Sediment Settling Processes

Science.gov (United States)

Gratiot, N.; Lefebvre, J. P.

The coast of French Guiana is characterized by the periodic northwestward migration of mud banks originated from the Amazone mouth. From previous studies, the char- acteristical size of banks has been estimated by remote sensing processing as well as their mean rate of alongshore transport. However, the physical mecanisms leading to their displacements are not yet fully quantified. The present work aimed at investigating different processes known to be involved in coastal and estuarine dynamics and expected to occur during the migration of mud banks. The relative magnitudes of flocculation, hindered settling and consolidation have been determined. The material tested has been sampled during a field survey of the french National Pro- gram of Coastal Environment (PNEC-Chantier Guyane). Settling column experiments have been performed under quiescent condition for various mean sediment concen- trations in the range of 2-110g/l. The time dependent vertical profiles of suspended sediment concentration were monitored by mean of a 32 pre-calibrated optical sen- sors device. The corresponding settling velocity was deduced from the conservation of mass equation. This study yields usefull information for a better understanding of settling processes related to the fluid mud layer observed on the forepart of the bank. Time scales of hindering and consolidation processes are larger than these of mixing mecanisms such as tides or propagating waves. Therefore, it prevents any consolidation to occur. At the opposite, the individual floc settling velocity is too small to counterbalance the turbulent mixing induced by breaking waves. The experiments also pointed out that additional flocculation by differential settling should enhance sedimentation during slack water conditions.

Information Security Monitoring Process Research in Russian Federation Banking System Organization

Directory of Open Access Journals (Sweden)

Anton Sergeevich Zaytsev

2013-09-01

Full Text Available In this article the author considers documents and scientific articles that should be used to configure monitoring and information security incident management process in an organization of banking system of Russia. Also key principles of monitoring configuration were marked up and a technique of monitoring configuration was proposed. Principles of monitoring system configuration were defined and a set of documents used to legitimate monitoring and information incident management process was considered.

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...

An assessment Model for Customer Relationship Management Process in Iranian Private-Commercial Banks

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Tahmoures Hasangholi Pour

2012-03-01

Full Text Available According to several reports, in spite of huge investment on customer relationship management (CRM, risk of implementing such projects is high. One of failure factors is having no method to assess CRM success comprehensively. Nowadays, classic financial methods are common ways for assessing marketing and CRM initiatives. But, the mentioned models are unsuitable to assess investments like CRM that we expect to have intangible, indirect and strategic benefits. So, we need a process-oriented approach to assess all tangible and intangible factors of CRM process and complete existing models. In this paper, using a qualitative approach and grounded theory, a comprehensive and process-oriented CRM assessment model will be provided that considers all factors of customer relationship management in private-commercial banks of Iran. Finally, based on analysis of developed model, some suggestions will be offered for banking managers and future researchers.

Biological Activity Alterations of Human Amniotic Membrane Pre and Post Irradiation Tissue Banking.

Science.gov (United States)

Nemr, Waleed; Bashandy, A S; Araby, Eman; Khamiss, O

Innate immunity of Human Amniotic Membrane (HAM) and its highly active secretome that rich with various types of growth factors and anti-inflammatory substances proposed it as a promising material for many medical studies and applications. This study evaluate the biological activity of cultivated HAM pre and post tissue banking process in which freeze-dried HAM was sterilized by 25 KGray (kGy) dose of γ radiation. The HAM's antimicrobial activity, viability, growth of isolated human amniotic epithelial cells (HAECs), hematopoietic stimulation of co-cultivated murine bone marrow cells (mammalian model), scaffold efficiency for fish brain building up (non-mammalian model) and self re-epithelialization after trypsin denuding treatment were examined as supposed biological activity features. Native HAM revealed viability indications and was active to kill all tested microorganisms; 6 bacterial species (3 Gram-positive and 3 Gram-negative) and Candida albicans as a pathogenic fungus. Also, HAM activity promoted colony formation of murine hematopoietic cells, Tilapia nilotica brain fragment building-up and self re-epithelialization after trypsin treatment. In contrary, radiation-based tissue banking of HAM caused HAM cellular death and consequently lacked almost all of examined biological activity features. Viable HAM was featured with biological activity than fixed HAM prepared by irradiation tissue banking.

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

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

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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.

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...

NGOs' Active Roles in the Process of Using Mudaraba as Financing Model in Interest-free Banking

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M. Salih KUMAŞ

2016-04-01

Full Text Available Today, it is commonly accepted fact that conventional banking fails in the fair distribution of economic wealth and in the provision of sustainable economic development. It seems almost impossible for Islamic Banking to be a strong alternative to interest-based banking with its current practice.  That is the reason why the alternative financing methods of Islamic Finance should be improved. In this context, the major obstacle for Islamic Banking to be an alternative to conventional counterpart is that it confines itself to murâbaha financing. Although the Mudaraba financing model suits better to the spirit of Islamic Banking and its historic advancement, it is observed that it is nearly not practiced or cannot be practiced. The reason behind this and major problem of Mudaraba model is having lack of enough entrepreneurs and not being able to raise them. In this sense, we believe that NGOs like MUSIAD and ASKON can contribute for the enhancement of the Islamic Banking as we have witnessed that many NGOs had considerable contributions by taking important roles in the past. This process which sort of means the integration of NGOs and Islamic Banking can be carried out in three stages.

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...

17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

Science.gov (United States)

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Form F-N, appointment of agent for service of process by foreign banks and foreign insurance companies and certain of their holding... agent for service of process by foreign banks and foreign insurance companies and certain of their...

12 CFR 7.4002 - National bank charges.

Science.gov (United States)

2010-01-01

... judgment and safe and sound banking principles. A national bank establishes non-interest charges and fees in accordance with safe and sound banking principles if the bank employs a decision-making process... of the competitive position of the bank in accordance with the bank's business plan and marketing...

Business Process Flow Diagrams in Tissue Bank Informatics System Design, and Identification and Communication of Best Practices: The Pharmaceutical Industry Experience.

Science.gov (United States)

McDonald, Sandra A; Velasco, Elizabeth; Ilasi, Nicholas T

2010-12-01

Pfizer, Inc.'s Tissue Bank, in conjunction with Pfizer's BioBank (biofluid repository), endeavored to create an overarching internal software package to cover all general functions of both research facilities, including sample receipt, reconciliation, processing, storage, and ordering. Business process flow diagrams were developed by the Tissue Bank and Informatics teams as a way of characterizing best practices both within the Bank and in its interactions with key internal and external stakeholders. Besides serving as a first step for the software development, such formalized process maps greatly assisted the identification and communication of best practices and the optimization of current procedures. The diagrams shared here could assist other biospecimen research repositories (both pharmaceutical and other settings) for comparative purposes or as a guide to successful informatics design. Therefore, it is recommended that biorepositories consider establishing formalized business process flow diagrams for their laboratories, to address these objectives of communication and strategy.

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.

The Influence of Large-scale Bank Roughness and Floodplain Composition on Spatial and Temporal Variations in Bank Erosion

Science.gov (United States)

Hackney, C. R.; Darby, S. E.; Leyland, J.; Aalto, R. E.; Best, J.; Parsons, D. R.; Nicholas, A. P.

2016-12-01

Knowledge of bank erosion processes and rates along the world's largest rivers remains incomplete, primarily due to the difficulties of obtaining data pertaining to the key driving processes (i.e., during the floods that drive most bank retreat). Recently, larger scale bank roughness elements (slump blocks and embayments) have been shown to impact upon rates and locations of bank erosion. However, a complete understanding of the way such features affect rates of bank erosion is currently hindered by the lack of detailed concurrent observations of slump block geometry, embayment geometry and flow at formative discharges in natural environments. Here, we report on high spatial resolution topographic (Terrestrial Laser Scanner and Multibeam Echo Souder) and flow (Acoustic Doppler Current Profiler) surveys undertaken on the Mekong River, Cambodia, from which we extract the geometric properties of roughness elements across a range of scales. We combine this data with sub-bottom profile data, revealing the composition of the surrounding floodplain, to link, for the first time, scales of bank roughness to bank material composition. Through the categorisation of a series of cut river banks by roughness geometry, we show how rates and locations of bank erosion are dependent on that roughness and associated bank material changes. We test how observed patterns of bank erosion conform to previously detailed models of embayment development, and provide new insight into processes affecting the retreat of large river banks.

IS ATTENTION AN APPROPRIATE CONCEPT FOR EXPLAINING BRAIN PROCESSES

NARCIS (Netherlands)

DALENOORT, GJ

In interpreting measurements of brain processes it is necessary to make the model used explicit. A concept such as attention cannot be used in the description of brain activities without a model of the relation of mental and neural processes.

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

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

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.

Mechanism of case processing in the brain: an fMRI study.

Directory of Open Access Journals (Sweden)

Satoru Yokoyama

Full Text Available In sentence comprehension research, the case system, which is one of the subsystems of the language processing system, has been assumed to play a crucial role in signifying relationships in sentences between noun phrases (NPs and other elements, such as verbs, prepositions, nouns, and tense. However, so far, less attention has been paid to the question of how cases are processed in our brain. To this end, the current study used fMRI and scanned the brain activity of 15 native English speakers during an English-case processing task. The results showed that, while the processing of all cases activates the left inferior frontal gyrus and posterior part of the middle temporal gyrus, genitive case processing activates these two regions more than nominative and accusative case processing. Since the effect of the difference in behavioral performance among these three cases is excluded from brain activation data, the observed different brain activations would be due to the different processing patterns among the cases, indicating that cases are processed differently in our brains. The different brain activations between genitive case processing and nominative/accusative case processing may be due to the difference in structural complexity between them.

Designing a Virtual Item Bank Based on the Techniques of Image Processing

Science.gov (United States)

Liao, Wen-Wei; Ho, Rong-Guey

2011-01-01

One of the major weaknesses of the item exposure rates of figural items in Intelligence Quotient (IQ) tests lies in its inaccuracies. In this study, a new approach is proposed and a useful test tool known as the Virtual Item Bank (VIB) is introduced. The VIB combine Automatic Item Generation theory and image processing theory with the concepts of…

Deep water overflow in the Faroe Bank Channel; modelling, processes, and impact

DEFF Research Database (Denmark)

Rullyanto, Arief

, creating new water masses with distinct temperature, salinity and density characteristics. The change of water mass characteristics not only affects the local environment, but also far distant regions. The Faroe Bank Channel, which is located in the southern part of Faroe Islands, is one of the most...... under different circumstances. The focus is on the Faroe Bank Channel, a relatively small region, which has a significant impact on the global ocean circulation and marine organisms that live in its environment....... or tides, but also deep beneath the surface, where deep-water currents circulate waters throughout the world’s oceans. In certain very-localized regions, the flow of the deep-water has to travel over a sill in a narrow submarine channel. This overflow process mixes the deep water with overlying waters...

Transformation of the Polish Banking Sector

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Marek Stefański

2009-07-01

Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single

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.

NRC/RSR Data Bank Program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program to provide a means of collecting, processing, and making available experimental data from the many domestic and foreign water reactor safety research programs. The NRC/RSR Data Bank Program collects qualified engineering data from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users. The program is designed to be user oriented to minimize the effort required to obtain and manipulate data of interest. The data bank concept and structure embodied in the data bank processing system are applicable to any program where large quantities of scientific (numeric) data are generated and require compiling, storage, and accessing in order to be collected and made available to multiple users. 3 figures

Development of tissue bank

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R P Narayan

2012-01-01

Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

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"

RUSSIAN BANK ACTIVITY STRATEGIC MANAGEMENT PROBLEMS

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V. B. Pogosyan

2011-01-01

Full Text Available Main strategic management problems characteristic for the majority of Russian bank are: absence of systems making it possible to adapt bank activity elements to changing outer and inner business conditions; obsolete client service system; traditional liquidity and risk managementmechanisms; absence of systems of coordinating bank strategic management process participants’ interests with the banks aims. Ways of overcoming basic difficulties in bank activity strategic management are defined.

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.

Functional brain imaging study on brain processes involved in visual awareness

International Nuclear Information System (INIS)

Kobayashi, Tetsuo; Futakawa, Hiroyuki; Tokita, Shohko; Jung, Jiuk

2003-01-01

Recently, there has been great interest in visual awareness because it is thought that it may provide valuable information in understanding aspects of consciousness. An important but still controversial issue is what region in the brain is involved in visual awareness. When viewing ambiguous figures, observers can be aware of only one of multiple competing percepts at any given moment, but experience spontaneous alternations among the percepts over time. This phenomenon is known as multistable perceptions and thought to be essential in understanding the brain processes involved in visual awareness. We used functional magnetic resonance imaging to investigate the brain activities associated with multistable perceptions. Two separate experiments were performed based on two different multistable phenomena known as binocular rivalry and perceptions of ambiguous figures. Significant differential activations in the parietal and prefrontal areas were commonly observed under multistable conditions compared to monostable control conditions in the two separate experiments. These findings suggest that neural processes in the parietal and prefrontal areas may be involved in perceptual alternations in situations involving multistable phenomena. (author)

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.)

Actual versus perceived central bank transparency: the case of the European Central Bank

NARCIS (Netherlands)

van der Cruijsen, C.; Eijffinger, S.

2008-01-01

Central banks have become more and more transparent about their monetary policy making process. In the central bank transparency literature the distinction between actual and perceived transparency is often lacking. However, as perceptions are crucial for the actions of economic agents this

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.

Human Reliability Data Bank: evaluation results

International Nuclear Information System (INIS)

Comer, M.K.; Donovan, M.D.; Gaddy, C.D.

1985-01-01

The US Nuclear Regulatory Commission (NRC), Sandia National Laboratories (SNL), and General Physics Corporation are conducting a research program to determine the practicality, acceptability, and usefulness of a Human Reliability Data Bank for nuclear power industry probabilistic risk assessment (PRA). As part of this program, a survey was conducted of existing human reliability data banks from other industries, and a detailed concept of a Data Bank for the nuclear industry was developed. Subsequently, a detailed specification for implementing the Data Bank was developed. An evaluation of this specification was conducted and is described in this report. The evaluation tested data treatment, storage, and retrieval using the Data Bank structure, as modified from NUREG/CR-2744, and detailed procedures for data processing and retrieval, developed prior to this evaluation and documented in the test specification. The evaluation consisted of an Operability Demonstration and Evaluation of the data processing procedures, a Data Retrieval Demonstration and Evaluation, a Retrospective Analysis that included a survey of organizations currently operating data banks for the nuclear power industry, and an Internal Analysis of the current Data Bank System

Parallel workflow tools to facilitate human brain MRI post-processing

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Zaixu eCui

2015-05-01

Full Text Available Multi-modal magnetic resonance imaging (MRI techniques are widely applied in human brain studies. To obtain specific brain measures of interest from MRI datasets, a number of complex image post-processing steps are typically required. Parallel workflow tools have recently been developed, concatenating individual processing steps and enabling fully automated processing of raw MRI data to obtain the final results. These workflow tools are also designed to make optimal use of available computational resources and to support the parallel processing of different subjects or of independent processing steps for a single subject. Automated, parallel MRI post-processing tools can greatly facilitate relevant brain investigations and are being increasingly applied. In this review, we briefly summarize these parallel workflow tools and discuss relevant issues.

Considerations on the Role of Foreign Banks in the Improvement of Romanian Bank System’s Performance

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Daniel Badulescu

2008-01-01

Full Text Available On the general background of restructuring and privatization processes in Romanian banking system, the presence of foreign capital recorded an increasingly trend after 1996, especially in the form of banks located in Romania. The foreign banks involved in Romania, especially multinational banks’ affiliates, proved to be remarkable about capital adequacy and profitability. All these developments are driven both by the access to cheaper resources from their parent bank or other banks in the group and by a more pronounced propensity to risk, as they are fully covered.

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

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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.

Relative Efficiency Indicators of the Credit Management Process in a Colombian Bank by Means of Data Envelopment Analysis (DEA)

OpenAIRE

Sánchez-Gooding, Sandra Paola; Universidad Nacional de Colombia; Rodríguez-Lozano, Gloria Isabel; Universidad Nacional de Colombia

2017-01-01

The purpose of this work is to measure the relative efficiency of the units that take part in the credit management process in a Colombian bank by means of the use of Data Envelopment Analysis (DEA). Using a doublé optimization process, this advanced linear programmingmethodology generates a single relative efficiency index for each one of the units being studied, although it is capable of including multiple resources and multiple outputs. In the bank that was used as the object of this study...

Human milk banking.

Science.gov (United States)

O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

2013-01-01

Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

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

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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.

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...

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...

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.

Filter Bank Regularized Common Spatial Pattern Ensemble for Small Sample Motor Imagery Classification.

Science.gov (United States)

Park, Sang-Hoon; Lee, David; Lee, Sang-Goog

2018-02-01

For the last few years, many feature extraction methods have been proposed based on biological signals. Among these, the brain signals have the advantage that they can be obtained, even by people with peripheral nervous system damage. Motor imagery electroencephalograms (EEG) are inexpensive to measure, offer a high temporal resolution, and are intuitive. Therefore, these have received a significant amount of attention in various fields, including signal processing, cognitive science, and medicine. The common spatial pattern (CSP) algorithm is a useful method for feature extraction from motor imagery EEG. However, performance degradation occurs in a small-sample setting (SSS), because the CSP depends on sample-based covariance. Since the active frequency range is different for each subject, it is also inconvenient to set the frequency range to be different every time. In this paper, we propose the feature extraction method based on a filter bank to solve these problems. The proposed method consists of five steps. First, motor imagery EEG is divided by a using filter bank. Second, the regularized CSP (R-CSP) is applied to the divided EEG. Third, we select the features according to mutual information based on the individual feature algorithm. Fourth, parameter sets are selected for the ensemble. Finally, we classify using ensemble based on features. The brain-computer interface competition III data set IVa is used to evaluate the performance of the proposed method. The proposed method improves the mean classification accuracy by 12.34%, 11.57%, 9%, 4.95%, and 4.47% compared with CSP, SR-CSP, R-CSP, filter bank CSP (FBCSP), and SR-FBCSP. Compared with the filter bank R-CSP ( , ), which is a parameter selection version of the proposed method, the classification accuracy is improved by 3.49%. In particular, the proposed method shows a large improvement in performance in the SSS.

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

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...

Human Milk Banking.

Science.gov (United States)

Haiden, Nadja; Ziegler, Ekhard E

2016-01-01

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

Virtual blood bank

Directory of Open Access Journals (Sweden)

Kit Fai Wong

2011-01-01

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

Filter bank canonical correlation analysis for implementing a high-speed SSVEP-based brain-computer interface

Science.gov (United States)

Chen, Xiaogang; Wang, Yijun; Gao, Shangkai; Jung, Tzyy-Ping; Gao, Xiaorong

2015-08-01

Objective. Recently, canonical correlation analysis (CCA) has been widely used in steady-state visual evoked potential (SSVEP)-based brain-computer interfaces (BCIs) due to its high efficiency, robustness, and simple implementation. However, a method with which to make use of harmonic SSVEP components to enhance the CCA-based frequency detection has not been well established. Approach. This study proposed a filter bank canonical correlation analysis (FBCCA) method to incorporate fundamental and harmonic frequency components to improve the detection of SSVEPs. A 40-target BCI speller based on frequency coding (frequency range: 8-15.8 Hz, frequency interval: 0.2 Hz) was used for performance evaluation. To optimize the filter bank design, three methods (M1: sub-bands with equally spaced bandwidths; M2: sub-bands corresponding to individual harmonic frequency bands; M3: sub-bands covering multiple harmonic frequency bands) were proposed for comparison. Classification accuracy and information transfer rate (ITR) of the three FBCCA methods and the standard CCA method were estimated using an offline dataset from 12 subjects. Furthermore, an online BCI speller adopting the optimal FBCCA method was tested with a group of 10 subjects. Main results. The FBCCA methods significantly outperformed the standard CCA method. The method M3 achieved the highest classification performance. At a spelling rate of ˜33.3 characters/min, the online BCI speller obtained an average ITR of 151.18 ± 20.34 bits min-1. Significance. By incorporating the fundamental and harmonic SSVEP components in target identification, the proposed FBCCA method significantly improves the performance of the SSVEP-based BCI, and thereby facilitates its practical applications such as high-speed spelling.

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

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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

Cash efficiency for bank branches.

Science.gov (United States)

Cabello, Julia García

2013-01-01

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

Unveiling the mystery of visual information processing in human brain.

Science.gov (United States)

Diamant, Emanuel

2008-08-15

It is generally accepted that human vision is an extremely powerful information processing system that facilitates our interaction with the surrounding world. However, despite extended and extensive research efforts, which encompass many exploration fields, the underlying fundamentals and operational principles of visual information processing in human brain remain unknown. We still are unable to figure out where and how along the path from eyes to the cortex the sensory input perceived by the retina is converted into a meaningful object representation, which can be consciously manipulated by the brain. Studying the vast literature considering the various aspects of brain information processing, I was surprised to learn that the respected scholarly discussion is totally indifferent to the basic keynote question: "What is information?" in general or "What is visual information?" in particular. In the old days, it was assumed that any scientific research approach has first to define its basic departure points. Why was it overlooked in brain information processing research remains a conundrum. In this paper, I am trying to find a remedy for this bizarre situation. I propose an uncommon definition of "information", which can be derived from Kolmogorov's Complexity Theory and Chaitin's notion of Algorithmic Information. Embracing this new definition leads to an inevitable revision of traditional dogmas that shape the state of the art of brain information processing research. I hope this revision would better serve the challenging goal of human visual information processing modeling.

MODEL KONSEPTUAL UNTUK MENGUKUR ADAPTABILITAS BANK SAMPAH DI INDONESIA

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Helena J Kristina

2014-01-01

Full Text Available Munculnya bank sampah sebagai upaya penerapan dari UU No18 thn 2008, merupakan suatu cara pengelolaan sampah dalam aksi nyata melalui gerakkan 3R (reduce, reuse, recycle dengan melibatkan langsung masyarakat. Untuk pemerintah sendiri, bank sampah menjadi langkah awal yang baik untuk melakukan pemberdayaan masyarakat dalam memperlakukan sampah sebagai sesuatu yang mempunyai nilai guna dan manfaat. Program bank sampah yang diberdayakan di Indonesia tentunya diharapkan dapat memberikan sebuah sistem yang efektif dan efisien sehingga proses bisnis dari bank sampah yang diselenggarakan dapat maksimal. Sistem yang efektif dan efisien ini terangkum dalam suatu proses yang dikenal dengan proses adaptabilitas. Adaptabilitas bank sampah adalah kemampuan sistem bank sampah untuk bereaksi secara positip ketika proses atau kondisi faktor kunci mengalami perubahan.  Belum adanya penelitian mengenai sistem pengukuran adaptabilitas bank sampah di Indonesia, maka makalah ini menyajikan suatu ide model konseptual untuk mengukur adaptabilitas bank sampah, dengan harapan akan terbentuk pemahaman yang mendalam dari keseluruhan permasalahan atau sistem elemen yang membentuk sistem adaptabilitas bank sampah. Jika sistem adaptabilitas ini kelak bisa teramati dan terukur, maka akan berguna bagi pengambilan keputusan dalam pengalokasian sumber daya dan membuat perencanaan keberlanjutan dalam proses manajemen bank sampah. Kata kunci: bank sampah, adaptabilitas, keberlanjutan   Abstract The emergence of garbage banks as an effort to implement UU No18, 2008, is a method of waste management in a real action through the 3Rs (reduce, reuse, recycle by involving the public directly. For the government, a garbage bank is a good initial step for community empowerment in treating waste as something of value and beneficial. Garbage bank program empowered in Indonesia is, of course, expected to provide an effective and efficient system so that the business processes of the program

Robust estimation of autoregressive processes using a mixture-based filter-bank

Czech Academy of Sciences Publication Activity Database

Šmídl, V.; Anthony, Q.; Kárný, Miroslav; Guy, Tatiana Valentine

2005-01-01

Roč. 54, č. 4 (2005), s. 315-323 ISSN 0167-6911 R&D Projects: GA AV ČR IBS1075351; GA ČR GA102/03/0049; GA ČR GP102/03/P010; GA MŠk 1M0572 Institutional research plan: CEZ:AV0Z10750506 Keywords : Bayesian estimation * probabilistic mixtures * recursive estimation Subject RIV: BC - Control Systems Theory Impact factor: 1.239, year: 2005 http://library.utia.cas.cz/separaty/historie/karny-robust estimation of autoregressive processes using a mixture-based filter- bank .pdf

Pelaksanaan Hukum Mediasi dalam Penyelesaian Sengketa antara Bank dan Nasabah

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Iwan Rizky

2016-04-01

ABSTRACT. Article 2 of PBI Number 10/1/2008 states that the dispute between Banks and its customers, which is caused by the unfulfilled financial demands by banks in solving the reports of the customers, could be solved through Banking Mediation. However, there is the fact that the settlement of the disputes nominal under the provisions of the PBI as well as the regulation of Bank Mandiri, aiming to provide protection to the rights of customers. This research aims to examine the disputes between the Aceh’s Bank of Mandiri and the customers, the mediation process in the settlement of disputes between the banks and the customer, and the legal force of the mediation process. This is empirical and normative legal research. Despite of de facto, the process of mediation is final by the peace agreement between the parties written in the act binding both parties. The legal force of the document is equal with a final judicial decision, and the decisions cannot be appealed to the appeal or the supreme courts. In conducting the process of banking mediation, the bank is expected to follow the comprehensive provisions of Indonesia Bank Regulation Number 10/1/PBI/2008.

[Schizophrenia: neurodevelopmental disorder or degenerative brain process?].

Science.gov (United States)

Gross, G; Huber, G

2008-05-01

of an irreversible pure dynamic-cognitive deficiency can be correlated with distinct brain imaging changes. There are associations between brain imaging and psychopathological findings and also between the progression of neuroradiological and psychopathological changes. The investigation of the long-term course of schizophrenia with progression to different residual syndromes has shown some hints that schizophrenia certainly is not a neurodegenerative process in the usual sense, but may be a special neuroregressive illness in the majority of cases. Data, relevant for this assumption are, that the disorder in 78% shows no full remitting courses; that the progression concerns only 5 until 10 years after onset; that chronic defect psychoses can remit still after decades of course to non-psychotic pure deficiency syndromes; that some cases (15%) can progress even after years and decades of remitting course and, finally, that altogether no correlation exists between the duration of course and outcome. The data prove that schizophrenia is not an illness progressing continuously over the whole lifelong course in the sense of a primary neurodegenerative process, but rather a disorder, progressing transiently in brief stages and afterwards coming to a standstill. That schizophrenia is not neurodegenerative in the traditional sense, does not mean that it is a ND disorder. This applies only to a small subgroup, while the assumption of a non-ND subgroup with an only transitory, in short periods advancing special regressive brain process seems to be plausible. There are analogies to organic brain disorders . Hence ensues the interpretation of the brain findings in a subgroup of schizophrenia as "premature, locally accentuated involution of advanced age". The argument that at time of the first psychotic episode the brain changes already have developed without progressing in the further course, can be refuted by neuropsychiatric observations in brain atrophic processes and the

Differential impact of thalamic versus subthalamic deep brain stimulation on lexical processing.

Science.gov (United States)

Krugel, Lea K; Ehlen, Felicitas; Tiedt, Hannes O; Kühn, Andrea A; Klostermann, Fabian

2014-10-01

Roles of subcortical structures in language processing are vague, but, interestingly, basal ganglia and thalamic Deep Brain Stimulation can go along with reduced lexical capacities. To deepen the understanding of this impact, we assessed word processing as a function of thalamic versus subthalamic Deep Brain Stimulation. Ten essential tremor patients treated with thalamic and 14 Parkinson׳s disease patients with subthalamic Deep Brain Stimulation performed an acoustic Lexical Decision Task ON and OFF stimulation. Combined analysis of task performance and event-related potentials allowed the determination of processing speed, priming effects, and N400 as neurophysiological correlate of lexical stimulus processing. 12 age-matched healthy participants acted as control subjects. Thalamic Deep Brain Stimulation prolonged word decisions and reduced N400 potentials. No comparable ON-OFF effects were present in patients with subthalamic Deep Brain Stimulation. In the latter group of patients with Parkinson' disease, N400 amplitudes were, however, abnormally low, whether under active or inactive Deep Brain Stimulation. In conclusion, performance speed and N400 appear to be influenced by state functions, modulated by thalamic, but not subthalamic Deep Brain Stimulation, compatible with concepts of thalamo-cortical engagement in word processing. Clinically, these findings specify cognitive sequels of Deep Brain Stimulation in a target-specific way. Copyright © 2014 Elsevier Ltd. All rights reserved.

THE IMPACT OF FINANCIAL LIBERALIZATION ON ROMANIAN BANKING SYSTEM EFFICIENCY

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Ciupac-Ulici Maria-Lenuta

2013-07-01

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

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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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

RETAIL BANKING BUSINESS: CURRENT STATE ANDSPECIFIC FEATURES

Directory of Open Access Journals (Sweden)

Гузель Рефкадовна Фаизова

2013-04-01

Full Text Available The role and importance of the retail banking business in the banking sector continueto grow. The current state of the retail banking business is considered and specific features of this area in the face of growing demand for banking products and services by the public and interest from lending institutions are identified by the article.Purpose: Research of current state of retail banking business and detection specific features of this area.Methodology: In the process of analysis and researchof the question the methods of economical and statistical analysis, methods of comparison and generalizationwereused.Results: The conclusion is that interest in the retail banking business continues to grow.There were revealed the role and the importance of standardized service processes and standardized products and services delivering as one of the main line of development in the segment of retail business.DOI: http://dx.doi.org/10.12731/2218-7405-2013-3-2

The brain as a distributed intelligent processing system: an EEG study.

Science.gov (United States)

da Rocha, Armando Freitas; Rocha, Fábio Theoto; Massad, Eduardo

2011-03-15

Various neuroimaging studies, both structural and functional, have provided support for the proposal that a distributed brain network is likely to be the neural basis of intelligence. The theory of Distributed Intelligent Processing Systems (DIPS), first developed in the field of Artificial Intelligence, was proposed to adequately model distributed neural intelligent processing. In addition, the neural efficiency hypothesis suggests that individuals with higher intelligence display more focused cortical activation during cognitive performance, resulting in lower total brain activation when compared with individuals who have lower intelligence. This may be understood as a property of the DIPS. In our study, a new EEG brain mapping technique, based on the neural efficiency hypothesis and the notion of the brain as a Distributed Intelligence Processing System, was used to investigate the correlations between IQ evaluated with WAIS (Wechsler Adult Intelligence Scale) and WISC (Wechsler Intelligence Scale for Children), and the brain activity associated with visual and verbal processing, in order to test the validity of a distributed neural basis for intelligence. The present results support these claims and the neural efficiency hypothesis.

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...

Nonprofit Human Milk Banking in the United States.

Science.gov (United States)

Updegrove, Kimberly

2013-01-01

Human milk, widely understood to be beneficial for infants, can be lifesaving for preterm neonates, especially in reducing the risk of necrotizing enterocolitis. Donor human milk (DHM) is an option when mothers are unable to provide milk or have an inadequate supply for their infants. Nonprofit donor human milk banks are established to provide safe, processed human milk from milk donated by healthy lactating mothers who have undergone a rigorous screening process. These milk banks, operating under the auspices of the Human Milk Banking Association of North America, obtain, process, and dispense human milk under strict guidelines set by the association. Increasing the supply of donor human milk to meet a dramatic increase in demand poses a significant challenge for nonprofit milk banks. Efforts to increase supply nationwide include education of providers, use of social media to engage potential donors, and outreach to news media. In parallel, milk banks are establishing regional depots to collect donations, and additional milk banks are being developed. This article describes the current nonprofit milk bank industry in the United States, its challenges, and its future prospects. © 2013 by the American College of Nurse‐Midwives.

Reliability data banks

International Nuclear Information System (INIS)

Cannon, A.G.; Bendell, A.

1991-01-01

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

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.

A proposal framework for investigating website success in the context of e-banking:an analytic network process approach

OpenAIRE

Salehi, Mona; Keramati, Abbas

2009-01-01

This study proposes a framework to investigate website success factors, and their relative importance in selecting the most preferred e-banking website. For one thing, Updated Delone and Mclean IS success model is chosen to extract significant website success factors in the context of e-banking in Iran. Secondly, Updated Delone and McLean IS success model is extended through applying an analytic network process (ANP) approach in order to investigate the relative importance of each factor and ...

Direct Electrical Stimulation in the Human Brain Disrupts Melody Processing.

Science.gov (United States)

Garcea, Frank E; Chernoff, Benjamin L; Diamond, Bram; Lewis, Wesley; Sims, Maxwell H; Tomlinson, Samuel B; Teghipco, Alexander; Belkhir, Raouf; Gannon, Sarah B; Erickson, Steve; Smith, Susan O; Stone, Jonathan; Liu, Lynn; Tollefson, Trenton; Langfitt, John; Marvin, Elizabeth; Pilcher, Webster H; Mahon, Bradford Z

2017-09-11

Prior research using functional magnetic resonance imaging (fMRI) [1-4] and behavioral studies of patients with acquired or congenital amusia [5-8] suggest that the right posterior superior temporal gyrus (STG) in the human brain is specialized for aspects of music processing (for review, see [9-12]). Intracranial electrical brain stimulation in awake neurosurgery patients is a powerful means to determine the computations supported by specific brain regions and networks [13-21] because it provides reversible causal evidence with high spatial resolution (for review, see [22, 23]). Prior intracranial stimulation or cortical cooling studies have investigated musical abilities related to reading music scores [13, 14] and singing familiar songs [24, 25]. However, individuals with amusia (congenitally, or from a brain injury) have difficulty humming melodies but can be spared for singing familiar songs with familiar lyrics [26]. Here we report a detailed study of a musician with a low-grade tumor in the right temporal lobe. Functional MRI was used pre-operatively to localize music processing to the right STG, and the patient subsequently underwent awake intraoperative mapping using direct electrical stimulation during a melody repetition task. Stimulation of the right STG induced "music arrest" and errors in pitch but did not affect language processing. These findings provide causal evidence for the functional segregation of music and language processing in the human brain and confirm a specific role of the right STG in melody processing. VIDEO ABSTRACT. Copyright © 2017 Elsevier Ltd. All rights reserved.

Global Banking System Regulatory Environment

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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.

Features of accounting organization of innovative banking products

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V.P. Matvienko

2015-06-01

Full Text Available The article deals with the features of the accounting organization and procedure, particularly the formation of significant accounting policies in banks. Since commercial banks are an important part of the economy, the article identifies factors affecting the accounting organization and formation of accounting policy. The paper characterized the organizational, methodological and technological components of the accounting organization of innovative banking products. In this paper, the attention paid to the organizational structure of the accounting department and its changes in connection with the bank innovation. This article describes the structure of the accounting policies of the innovative banking products. Defined the role of of accounting policies of the innovative banking products in the organization of the accounting process. In the development of the Degree of the accounting policy of the bank should take into account certain elements of the accounting organization of innovative banking products. This will increase the information content and to accelerate the provision of answers to questions, providing the information to optimize the management of innovation processes and the identification of the bank’s assets and expenses for banking innovation.

Credit risk management in banks

OpenAIRE

Pětníková, Tereza

2014-01-01

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

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.

Türkiye’de Banka Kredi Kanalının İşleyişi: Ampirik Bir Analiz(Processing of Bank Lending Channel in Turkey: An Empirical Analysis

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Osman PEKER

2011-01-01

Full Text Available In this study, processing of bank lending channel in Turkey was tested with the help of vector auto regression (VAR method by using 1990:01-2008:11 period monthly data. Processing of bank lending channel was investigated on the basis of two different monetary policy variables. According to the empirical findings of the study, on the contrary overnight interest rate, money supply was found to be a more effective monetary policy variable. In case of controling money supply, Central Bank can operate effectively bank credit channels and therefore the amount of output and inflation is going to be directed more easily. In this context it can be said that the processing of the bank lending channel is effective in Turkey.

Studying frequency processing of the brain to enhance long-term memory and develop a human brain protocol.

Science.gov (United States)

Friedrich, Wernher; Du, Shengzhi; Balt, Karlien

2015-01-01

The temporal lobe in conjunction with the hippocampus is responsible for memory processing. The gamma wave is involved with this process. To develop a human brain protocol, a better understanding of the relationship between gamma and long-term memory is vital. A more comprehensive understanding of the human brain and specific analogue waves it uses will support the development of a human brain protocol. Fifty-eight participants aged between 6 and 60 years participated in long-term memory experiments. It is envisaged that the brain could be stimulated through binaural beats (sound frequency) at 40 Hz (gamma) to enhance long-term memory capacity. EEG recordings have been transformed to sound and then to an information standard, namely ASCII. Statistical analysis showed a proportional relationship between long-term memory and gamma activity. Results from EEG recordings indicate a pattern. The pattern was obtained through the de-codification of an EEG recording to sound and then to ASCII. Stimulation of gamma should enhance long term memory capacity. More research is required to unlock the human brains' protocol key. This key will enable the processing of information directly to and from human memory via gamma, the hippocampus and the temporal lobe.

Credit Risk Management. A study on risk integration in the bank lending process.

NARCIS (Netherlands)

Sleddens, Linda Elsa Wilhelmina

2011-01-01

Credit risk management has been a topic much written about in the last decade. Substantial credit risk losses can undermine the stability of the bank. Both banks and national bank supervisors have realized the need to invest in credit risk management. Partly driven by regulations such as the Basel

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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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

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…

BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

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Copil Crina Angela

2014-07-01

Full Text Available In this paper I proposed to myself to analyse the main bank acquisitions and mergers from Romania after 1989, causes that led to their appearance, their effects on the bank system and their future perspectives on the Romanian bank market. In the context of adherence to the European bank system a solution for the Romanian banks is the concentration of the bank system by mergers and acquisitions or the increase of the bank capitals because in the period of transition the smaller banks are vulnerable, don’t dispose of an infrastructure that would alow them to offer financial services comparable to those offered by the great bank groups, can’t offer large credits and is addressing to the smaller and average enterprise, which in their turn are exposed to all the shocks that are felt in the economy. The strategies of concentration and consolidation applied by the banks in this period implemented by the transactions with mergers and acquisitions are essential because of their success depends the existence of the bank, the rank it will have on the market, the profit of the bank, the efficiency, the increase of the satisfaction degree of the clients and the increase of the shares’ value. The increase of the interest of the investor in mergers and acquisitions determined the creating of the great financial conglomerates that offer a large range of services, operates simultaneously on many markets and include beside the bank activity insurance, leasing subsidiaries, investment funds, pension funds, subsidiaries specialized in credit saving. In the last decades the Romanian bank financial system suffered significant changes, registering an ample consolidation process, the number of bank institutions decreased and in the context of the present financial crisis, the continuing of the process of restructuring is anticipated.The main reason for choosing this subject if the fact that in the evolution of the concentration the bank mergers and acquisitions

Design of special purpose database for credit cooperation bank business processing network system

Science.gov (United States)

Yu, Yongling; Zong, Sisheng; Shi, Jinfa

2011-12-01

With the popularization of e-finance in the city, the construction of e-finance is transfering to the vast rural market, and quickly to develop in depth. Developing the business processing network system suitable for the rural credit cooperative Banks can make business processing conveniently, and have a good application prospect. In this paper, We analyse the necessity of adopting special purpose distributed database in Credit Cooperation Band System, give corresponding distributed database system structure , design the specical purpose database and interface technology . The application in Tongbai Rural Credit Cooperatives has shown that system has better performance and higher efficiency.

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

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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.

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...

E-BANKING- MODERN BANKING SERVICES

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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

Organization of eye bank

International Nuclear Information System (INIS)

Reddy, S.C.

1999-01-01

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

The brain as a distributed intelligent processing system: an EEG study.

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Armando Freitas da Rocha

Full Text Available BACKGROUND: Various neuroimaging studies, both structural and functional, have provided support for the proposal that a distributed brain network is likely to be the neural basis of intelligence. The theory of Distributed Intelligent Processing Systems (DIPS, first developed in the field of Artificial Intelligence, was proposed to adequately model distributed neural intelligent processing. In addition, the neural efficiency hypothesis suggests that individuals with higher intelligence display more focused cortical activation during cognitive performance, resulting in lower total brain activation when compared with individuals who have lower intelligence. This may be understood as a property of the DIPS. METHODOLOGY AND PRINCIPAL FINDINGS: In our study, a new EEG brain mapping technique, based on the neural efficiency hypothesis and the notion of the brain as a Distributed Intelligence Processing System, was used to investigate the correlations between IQ evaluated with WAIS (Wechsler Adult Intelligence Scale and WISC (Wechsler Intelligence Scale for Children, and the brain activity associated with visual and verbal processing, in order to test the validity of a distributed neural basis for intelligence. CONCLUSION: The present results support these claims and the neural efficiency hypothesis.

The Brain as a Distributed Intelligent Processing System: An EEG Study

Science.gov (United States)

da Rocha, Armando Freitas; Rocha, Fábio Theoto; Massad, Eduardo

2011-01-01

Background Various neuroimaging studies, both structural and functional, have provided support for the proposal that a distributed brain network is likely to be the neural basis of intelligence. The theory of Distributed Intelligent Processing Systems (DIPS), first developed in the field of Artificial Intelligence, was proposed to adequately model distributed neural intelligent processing. In addition, the neural efficiency hypothesis suggests that individuals with higher intelligence display more focused cortical activation during cognitive performance, resulting in lower total brain activation when compared with individuals who have lower intelligence. This may be understood as a property of the DIPS. Methodology and Principal Findings In our study, a new EEG brain mapping technique, based on the neural efficiency hypothesis and the notion of the brain as a Distributed Intelligence Processing System, was used to investigate the correlations between IQ evaluated with WAIS (Whechsler Adult Intelligence Scale) and WISC (Wechsler Intelligence Scale for Children), and the brain activity associated with visual and verbal processing, in order to test the validity of a distributed neural basis for intelligence. Conclusion The present results support these claims and the neural efficiency hypothesis. PMID:21423657

Efficient Implementation of Complex Modulated Filter Banks Using Cosine and Sine Modulated Filter Banks

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Viholainen Ari

2006-01-01

Full Text Available The recently introduced exponentially modulated filter bank (EMFB is a -channel uniform, orthogonal, critically sampled, and frequency-selective complex modulated filter bank that satisfies the perfect reconstruction (PR property if the prototype filter of an -channel PR cosine modulated filter bank (CMFB is used. The purpose of this paper is to present various implementation structures for the EMFBs in a unified framework. The key idea is to use cosine and sine modulated filter banks as building blocks and, therefore, polyphase, lattice, and extended lapped transform (ELT type of implementation solutions are studied. The ELT-based EMFBs are observed to be very competitive with the existing modified discrete Fourier transform filter banks (MDFT-FBs when comparing the number of multiplications/additions and the structural simplicity. In addition, EMFB provides an alternative channel stacking arrangement that could be more natural in certain subband processing applications and data transmission systems.

Internet Banking integration within the banking system

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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.

Influence of Marketing on Consumer's Adoption of E-Banking

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MSc. Ganimete Podvorica

2014-02-01

Full Text Available The financial system plays an extraordinary role in developing and enriching the domestic economy. E-banking service as an innovative software product and service for customers was introduced few years ago in the country from variety of national and international banks: ProCredit Bank, Raiffeissen Bank, Teb Bank, NLB Bank etc., enabling consumers to have access to their bank accounts over the internet. Since internet usage grows rapidly in the country even adoption of e-banking is expected to flourish. Behavior of customers toward adoption is explained using different behavioral model. The objective of this study is to analyze the consumer-adoption process toward e-banking. The survey is used in this respect, to find out the way they learn, try, and adopt or reject e-banking service. Furthermore, the hypothesis those females are significantly different from males on adoption of e-banking services, it prevails the null hypothesis that gender doesn’t affect adoption of e-banking services. The study reveals the characteristics of the consumers toward ebanking adoption process, such as differences in individual readiness to try new product; the information searching; advertisement and direct marketing influence; and speed rates of adoption and non adoption among genders.

Selected Banks Economic Efficiency Indicators

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Adam Szafarczyk

2007-04-01

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

75 FR 72611 - Assessments, Large Bank Pricing

Science.gov (United States)

2010-11-24

... interpolation is used to convert loss severity scores between the cutoffs into a loss severity measure. The... four consecutive quarters, or (2) a processing bank or trust company that has had $10 billion or more... processing bank or trust company would be defined as an institution whose last 3 years' non-lending interest...

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 ...

The Internet and the Banks' Strategic Distribution Channel Decisions.

Science.gov (United States)

Mols, Niels Peter

1998-01-01

Discusses two strategic distribution channel decisions facing banks, one regarding whether to target the Internet banking segment of customers versus the branch banking segment, and the other regarding the geographical area banks aim to serve. Future distribution channels, the change process, and local, national, and international strategies are…

The Effectiveness Analysis of Waiting Processes in the Different Branches of a Bank by Queue Model

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Abdullah ÖZÇİL

2015-06-01

Full Text Available Despite the appreciable increase in the number of bank branches every year, nowadays queues for services don’t decrease and even become parts of our daily lives. By minimizing waiting processes the least, increasing customer satisfaction should be one of branch managers’ main goals. A quick and also customer oriented service with high quality is the most important factor for customer loyalty. In this study, Queueing theory, one of Operation Research techniques, is handled and in application, the data are obtained related to waiting in queue of customer in six different branches of two banks operating in Denizli and then they are analyzed by Queueing theory and also calculated the average effectiveness of the system. The study’s data are obtained by six branches of two banks called as A1, A2, A3, B1, B2 and B3. At the end of study it is presented to the company some advices that can bring benefits to the staff and customers. In this study, Queueing theory, one of Operation Research techniques, is handled and in application, the data are obtained related to waiting in queue of customer in three different branches of a bank operating in Denizli and then they are analyzed by Queueing theory and also calculated the average effectiveness of the system. The study’s data are obtained by three branches of the bank called A1, A2 and A3. At last it is presented to the company some advices that can bring more benefits to the staff and clients.

IT use, productivity, and market power in banking

NARCIS (Netherlands)

Koetter, Michael; Noth, Felix

2013-01-01

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

The harmonization of banking legislation in the EU

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Shkëlqesa Çitaku

2016-03-01

Full Text Available This paper attempts to assess the current legislation of banking in the European Union. The process of unification in Europe is also followed by efforts to harmonize and unify the laws of the member states. In the field of banking industry the precondition for harmonization of laws is the integration of internal market with the free movement of capital. The regulation and supervision of banks in EU still remains fragmented. European member states still have diverse regulations concerning the role of the state. The European Commission has the important function of proposing EU legislation on financial services including banks and ensuring that EU law is properly applied throughout the EU. Banks are considered as a key industry enabling all the economic activities via depositing, crediting and arranging of payments. A number of secondary legislation has been adopted by the EU institutions to harmonize the national banking law of Member States. The principles and objectives set by the European Commission Treaty depend on four EU freedoms with the aim of effective and open market including banks. Therefore it was a continuous process of harmonization of national banking regulation via secondary law since the 70’s.

Contemporary models of access to bank customers

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Grujić-Rajevac Jadranka

2016-01-01

Full Text Available We are witnesses of fast changes in banking environment in this country. Key to all the changes is the new concept of how to approach the bank's clients, whose objective is to increase sales of products and services making the sales one of the basic banking functions. Namely, the goal is the sale of high-quality banking product, keeping the current clients, attracting new clients and at the same time being competitive. In the new approach to clients, banks apply the concept of customer relationship management - CRM which supports effective selling processes by means of cross-selling.

Skin bank development and critical incident response.

Science.gov (United States)

Hamilton, Kellie T; Herson, Marisa R

2011-05-01

The Donor Tissue Bank of Victoria (DTBV), situated in Melbourne, Australia developed a skin banking program in 1994. It remains Australia's only operational skin bank, processing cryopreserved human cadaveric skin for the treatment of burns. The demand for allograft skin in Australia has steadily increased since the development of the program. The bank has been involved in the provision of skin for a number of critical incidences or disasters both in Australia and overseas. Demand always exceeds supply, and in the absence of other local skin banks, the DTBV has needed to develop strategies to enable increased provision of allograft skin nationally.

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.

The rise and growth of Serbian banking until World war I: Part one: Creation of preconditions for the rise of Serbian banking until 1878

Directory of Open Access Journals (Sweden)

Stojanović Biljana

2016-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Peace Conference. In the first stage, until 1878, the vassal state of Serbia had been introducing necessary political, economic and institutional preconditions for the rise of banking that led to the creation of the first organized credits and banks. At the end of this stage, there were two types of proper banks: state banks and privately-owned banks. Since the authorities of the vassal state of Serbia played a key role in preparing institutional framework for the banking operations and in organizing the first credit facilities, it could be argued that Serbian banking arose in the 19th century as a result of both state-backed and growthinduced processes.

The Vulnerability of Correspondent Banking on Money Laundering

OpenAIRE

Handoyo, Sigit

2017-01-01

Bank has important role in process of converting illicit money to be legal proceeds. Once opportunity appears, money launderer will take advantage of that situation. Generally, banks which have poor anti-money laundering control become the main priority for offenders to process laundering their illicit money. These typical banks are usually high risk engaged in criminal behaviour, because they do not know whether or not their clients are engaged in money laundering activities. Offenders in ot...

Monetary policy and bank behavior: Empirical evidence from India

OpenAIRE

Ghosh, Saibal

2006-01-01

The paper develops an empirical model to explore the role that bank characteristics play in influencing the monetary transmission process. Employing data on Indian commercial banks for the period 1992-2004, the findings indicate that for banks classified according to size and capitalization, a monetary contraction lowers bank lending, although large and well-capitalized banks are able to shield their loan portfolio from monetary shocks.

Process-Based Model for Computation of Erosion and Deposition on Shrub-Protected Banks

Science.gov (United States)

Kean, J. W.; Smith, J.

2001-12-01

Determination of erosion and deposition rates on riverbanks requires a detailed knowledge of the near-bank boundary shear stress field. Riverbanks typically are irregular in planiform geometry owing to the presence of vegetation on them, and the effects of vegetation-caused bank irregularity in reducing flow in the neighborhood of the toes of banks must be taken into account in calculating the appropriate boundary shear stress fields. Form drag on roots, stems, and branches of shrubs and trees that protrude into the flow must be carefully evaluated. Methods for calculating the boundary shear stress and sediment transport fields on and near vegetated banks have been developed over the past several years. More recently, the direct effects of roots, stems, and branches in reducing the shear stresses on banks have been investigated in conjunction with research on arroyo channels having nearly trapezoidal cross sections and banks covered with sandbar willow and tamarisk. A model for computing flow and sediment transport in such channels is presented and then used to demonstrate the relative importance of the various environmental factors and their interactions. The primary environmental factors include (1) the cross-sectional geometry of the flow, which controls the structure of the cross-sectional distribution of the streamwise-averaged boundary shear stress, (2) the micro topography of the bed and banks, which determines the local ratio of streamwise-averaged boundary shear stress to skin friction and, thus, the cross-sectional structure of the sediment transport field in the channel, and (3) the bed-sediment size distribution, which controls the importance of density stratification in the flow and, thereby, the vertical structure of the velocity field. The model demonstrates that woody vegetation on sloping banks affects the flow in several ways. First, it forces the high velocity core toward the center of the channel, increasing the streamwise-averaged boundary

The importance of business intelligence in the bank strategic marketing

Directory of Open Access Journals (Sweden)

Đorđević Bojan

2006-01-01

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

Brain's tumor image processing using shearlet transform

Science.gov (United States)

Cadena, Luis; Espinosa, Nikolai; Cadena, Franklin; Korneeva, Anna; Kruglyakov, Alexey; Legalov, Alexander; Romanenko, Alexey; Zotin, Alexander

2017-09-01

Brain tumor detection is well known research area for medical and computer scientists. In last decades there has been much research done on tumor detection, segmentation, and classification. Medical imaging plays a central role in the diagnosis of brain tumors and nowadays uses methods non-invasive, high-resolution techniques, especially magnetic resonance imaging and computed tomography scans. Edge detection is a fundamental tool in image processing, particularly in the areas of feature detection and feature extraction, which aim at identifying points in a digital image at which the image has discontinuities. Shearlets is the most successful frameworks for the efficient representation of multidimensional data, capturing edges and other anisotropic features which frequently dominate multidimensional phenomena. The paper proposes an improved brain tumor detection method by automatically detecting tumor location in MR images, its features are extracted by new shearlet transform.

A Red Oak Data Bank for Computer Simulations of Secondary Processing

Science.gov (United States)

Charles J. Gatchell; Janice K. Wiedenbeck; Elizabeth S. Walker

1993-01-01

An extensive data bank for red oak lumber that is compatible with most secondary manufacturing computer simulator tools is now available. Currently, the data bank contains 10,718 board feet in 1,578 boards. The National Hardwood Lumber Associations (NHLA) Special Kiln Dried Rule was used to grade the boards. The percentage of a boardâs surface measure contained in...

Role of Foreign Banks in Integration of Banking Industry

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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.

Tutorial: Signal Processing in Brain-Computer Interfaces

NARCIS (Netherlands)

Garcia Molina, G.

2010-01-01

Research in Electroencephalogram (EEG) based Brain-Computer Interfaces (BCIs) has been considerably expanding during the last few years. Such an expansion owes to a large extent to the multidisciplinary and challenging nature of BCI research. Signal processing undoubtedly constitutes an essential

Marketing Aspect of Banking Competition

Directory of Open Access Journals (Sweden)

Nieizviestna Olena V.

2015-03-01

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

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...

Message processing in the human brain. III

Energy Technology Data Exchange (ETDEWEB)

Gerke, P

1983-10-07

For pt.II see ibid., no.19, p.95-100 (1983). The general problem of the possibly achievable super brain is discussed, and subtle differences between various linkages leading to selective processes, creativity decision making and speculative assessments are pointed out and translated into possible approaches to the making of machine intelligence. Generally, associative sequences for processing of large data flows cannot be attempted without the provision of generally valid linkage rules. Such coordination steps are considered first, the brain-machine simulation being built-up vertically on 6 levels and horizontally as recognition stages in an event. These six levels are: repertoire (i.e. vocabulary); definition; scene; happenings; spatial linkages; temporal linkages. Event simulation proceeds from the descriptive to the cognitive situation. Speculative discussions continue with the gradual introduction of computer hardware and software concepts to be adapted for intelligence simulation; thus, the simplest associative process could start with an adder network and proceed to a virtual expert system, which would include teaching by example, autonomous control, non-procedural language, all these governed by schedules.

Central Bank independence

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Vasile DEDU

2012-08-01

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

Collaborative Management of Risks and Complexity in Banking Systems

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Ion IVAN

2012-01-01

Full Text Available This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different configurations are bases for improvements. The Halstead relative complexity function synthesizes system complexity from the point of view of the size of the variables analyzed and the heterogeneity between the variables. Section four was realized by Catalin SBORA.

Investment Appraisal Process in the Banking & Finance Industry

NARCIS (Netherlands)

M.M. Akalu; J.R. Turner (Rodney)

2002-01-01

textabstractWe have studied how the banking and finance industry performs investment appraisal, measures subsequent follow-up and designates project success or failure. Furthermore, the authors looked into the extent of use of the new generation value management models. The result shows that firms

Computation and brain processes, with special reference to neuroendocrine systems.

Science.gov (United States)

Toni, Roberto; Spaletta, Giulia; Casa, Claudia Della; Ravera, Simone; Sandri, Giorgio

2007-01-01

The development of neural networks and brain automata has made neuroscientists aware that the performance limits of these brain-like devices lies, at least in part, in their computational power. The computational basis of a. standard cybernetic design, in fact, refers to that of a discrete and finite state machine or Turing Machine (TM). In contrast, it has been suggested that a number of human cerebral activites, from feedback controls up to mental processes, rely on a mixing of both finitary, digital-like and infinitary, continuous-like procedures. Therefore, the central nervous system (CNS) of man would exploit a form of computation going beyond that of a TM. This "non conventional" computation has been called hybrid computation. Some basic structures for hybrid brain computation are believed to be the brain computational maps, in which both Turing-like (digital) computation and continuous (analog) forms of calculus might occur. The cerebral cortex and brain stem appears primary candidate for this processing. However, also neuroendocrine structures like the hypothalamus are believed to exhibit hybrid computional processes, and might give rise to computational maps. Current theories on neural activity, including wiring and volume transmission, neuronal group selection and dynamic evolving models of brain automata, bring fuel to the existence of natural hybrid computation, stressing a cooperation between discrete and continuous forms of communication in the CNS. In addition, the recent advent of neuromorphic chips, like those to restore activity in damaged retina and visual cortex, suggests that assumption of a discrete-continuum polarity in designing biocompatible neural circuitries is crucial for their ensuing performance. In these bionic structures, in fact, a correspondence exists between the original anatomical architecture and synthetic wiring of the chip, resulting in a correspondence between natural and cybernetic neural activity. Thus, chip "form

Innovative Trends Of International Banking Business (Case Of Azerbaijan

Directory of Open Access Journals (Sweden)

F. F. Murshudli

2018-01-01

Full Text Available Development of the international banking business, the formation of its new paradigm in the context of globalization of the financial system and the intensification of global economic relations in recent years requires the innovative component. The combination of innovations, financial and external economic environment is one of the most important factors that characterize the phenomenon of the “new economy”. Therefore, innovative processes should be considered in conjunction with the changes of the processes connected with the foreign trade banking. The article gives a brief overview of the scientific literature on the international banking business and its innovative trends. Prerequisites are disclosed, direction and purpose of banking innovations, the area of their implementation and multi-vector forms of manifestation, reveals problems of innovative development of the international banking business, identifies potential paths of their solutions. The necessity of implementation of the innovative methods and instruments of bank service of foreign economic activity is justified and measures for their introduction in this process are offered. A wide spectrum of innovative trends of international banking business is defined as internal competitive environment, and external vectors. The author draws the attention to the contribution of the improvement of the sustainability and competitiveness of the business in terms of volatility of market processes. In the article on the example of the Republic of Azerbaijan presents practical recommendations on the development of innovative technologies in the banking system, the implementation of main tasks in this area, which are aimed to the development of effective management decisions on innovative international banking business in the foreseeable short and medium term.

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...

Interconnectedness between shadow and traditional banking systems in Europe

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Popović Svetlana

2017-01-01

Full Text Available The financial crisis that emerged in the US quickly spread across Europe, causing a severe banking and sovereign debt crisis. That revealed the importance of short-term financing for traditional banks, which increased their exposure to the financial conditions on the interbank market. Financial innovations, especially the securitization process led to the growing importance of different institutions within the shadow banking system - which undergo a credit, liquidity and maturity transformation, without accessing the central bank liquidity or other forms of guarantees. The European banks had an active role in the US securitization process, but also securitized the products from the European market. The authors used the available data from the ECB statistics on shadow bank entities, broadly and narrowly defined, in order to analyze the various measures of interconnectedness between the shadow and traditional banking systems. The analysis showed that non-regulated financial institutions pose severe systemic risks, not just because of their size, but also due to the strong web of interconnectedness with the regulated banking sector.

Dissociable meta-analytic brain networks contribute to coordinated emotional processing.

Science.gov (United States)

Riedel, Michael C; Yanes, Julio A; Ray, Kimberly L; Eickhoff, Simon B; Fox, Peter T; Sutherland, Matthew T; Laird, Angela R

2018-06-01

Meta-analytic techniques for mining the neuroimaging literature continue to exert an impact on our conceptualization of functional brain networks contributing to human emotion and cognition. Traditional theories regarding the neurobiological substrates contributing to affective processing are shifting from regional- towards more network-based heuristic frameworks. To elucidate differential brain network involvement linked to distinct aspects of emotion processing, we applied an emergent meta-analytic clustering approach to the extensive body of affective neuroimaging results archived in the BrainMap database. Specifically, we performed hierarchical clustering on the modeled activation maps from 1,747 experiments in the affective processing domain, resulting in five meta-analytic groupings of experiments demonstrating whole-brain recruitment. Behavioral inference analyses conducted for each of these groupings suggested dissociable networks supporting: (1) visual perception within primary and associative visual cortices, (2) auditory perception within primary auditory cortices, (3) attention to emotionally salient information within insular, anterior cingulate, and subcortical regions, (4) appraisal and prediction of emotional events within medial prefrontal and posterior cingulate cortices, and (5) induction of emotional responses within amygdala and fusiform gyri. These meta-analytic outcomes are consistent with a contemporary psychological model of affective processing in which emotionally salient information from perceived stimuli are integrated with previous experiences to engender a subjective affective response. This study highlights the utility of using emergent meta-analytic methods to inform and extend psychological theories and suggests that emotions are manifest as the eventual consequence of interactions between large-scale brain networks. © 2018 Wiley Periodicals, Inc.

SETTLEMENT OF BANKING DISPUTE IN INDONESIA

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Denico Doly

2014-03-01

Full Text Available This article talks about dispute between costumer and the bank. Settlement of disputes should be resolved by the principle of fast, accurate and cheap. Issues raised in this paper is how an ideal dispute resolution process to resolve dispute banking. This paper describes the advantages and disadvantages in any dispute resolution process both through litigation and non litigation. Based in the principles of fast, accurate and cheap it is explained that banks in Indonesia must resolve their disputes through non litigation or ADR. Tulisan ini membicarakan mengenai penyelesaian sengketa antara nasabah dengan bank. Penyelesaian sengketa harusnya diselesaikan dengan prinsip cepat, tepat dan murah. Permasalahan yang diangkat dalam tulisan ini yaitu bagaimana proses penyelesaian sengketa yang ideal dalam menyelesaikan sengketa perbankan. Tulisan ini menggambarkan mengenai kelebihan dan kekurangan dalam setiap proses penyelesaian sengketa baik melalui jalur litigasi maupun non litigasi. Berdasarkan prinsip cepat, tepat dan murah maka dipaparkan bahwa perbankan di Indonesia harus menyelesaikan sengketanya melalui jalur non litigasi atau ADR.

Leading research on brain functional information processing; No kino joho shori no sendo kenkyu

Energy Technology Data Exchange (ETDEWEB)

NONE

1997-03-01

This research aims at searching the concept of an information processing device with a fully different architecture from a previous ones based on the study on human brain function, sense and perception, and developing the basic fabrication technology for such system, and realizing the human-like information processing mechanism of memorization, learning, association, perception, intuition and value judgement. As an approach deriving biological and technological models from experimental brain studies, the model was derived from the brain functional information processing based on brain development/differentiation mechanism, the control mechanism/material of brain activities, and the knowledge obtained from brain measurement and study. In addition, for understanding a brain oscillation phenomenon by computational neuroscience, the cerebral cortex neural network model composed of realistic neuron models was proposed. Evaluation of the previous large-scale neural network chip system showed its ability of learning and fast processing, however, the next-generation brain computer requires further R and D of some novel architecture, device and system. 184 refs., 41 figs., 2 tabs.

Lateralization of Egocentric and Allocentric Spatial Processing after Parietal Brain Lesions

Science.gov (United States)

Iachini, Tina; Ruggiero, Gennaro; Conson, Massimiliano; Trojano, Luigi

2009-01-01

The purpose of this paper was to verify whether left and right parietal brain lesions may selectively impair egocentric and allocentric processing of spatial information in near/far spaces. Two Right-Brain-Damaged (RBD), 2 Left-Brain-Damaged (LBD) patients (not affected by neglect or language disturbances) and eight normal controls were submitted…

Revitalisasi Pengelolaan Bank Sampah Di Palabuhanratu

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Budi Prasetyo Samadikun

2017-11-01

Full Text Available Bank sampah di Kelurahan Palabuhanratu sudah berdiri sejak tahun 2010. Bank sampah ini adalah salah satu bank sampah diantara dua bank sampah lain, yang baru berdiri pada tahun  2016. Volume sampah pada tahun 2015 sebesar 134,89 m3 per hari, mencakup 89% wilayah Kelurahan Palabuhanratu ternyata masih belum optimal dalam pengolahannya, karena  sampah yang direduksi masih sekitar 5% dari total timbulan sampah yang dikirim ke TPA Cimenteng yang berlokasi sekitar 70 km dari Kelurahan Palabuhanratu. Kinerja bank sampah eksisting masih kurang, karena satu bank sampah hanya mampu melayani satu RW dan belum dapat melayani satu kelurahan. Selain itu, pengolahan sampah organik untuk dijadikan kompos belum dilakukan secara serentak oleh seluruh masyarakat, karena pengetahuan masyarakat yang masih kurang. Tujuan penelitian adalah mengetahui kondisi eksisting pengelolaan sampah dan merumuskan upaya revitalisasi Bank Sampah eksisting sebagai pihak pendukung pengelolaan sampah di TPS Kelurahan Palabuhanratu. Metode penelitian menggunakan metode survei, dengan menggunakan kuesioner, wawancara mendalam, dan observasi. Teknik analisis menggunakan analisis kuantitatif dan analisis kualitatif. Hasil penelitian menunjukkan bahwa masyarakat yang melakukan pemilahan sampah dari sumber hanya penduduk RT 01 RW 33. Selain itu jumlah TPS di Kelurahan Palabuhanratu masih terbatas, sehingga membutuhkan tambahan 5 unit TPS yang terintegrasi dengan bank sampah di kelurahan ini. Kata kunci: revitalisasi, bank sampah, Palabuhanratu The  waste bank in Palabuhanratu Village  has been established since 2010. This waste bank is one of the waste bank among two other waste banks, newly established in 2016.  The volume of waste in 2015 is 134,89 m3 per day, covering 89% of Palabuhanratu Village area  is still not optimal in its processing, because the reduced waste is still about 5% of the total waste generation delivered to the Cimenteng Final Diposal Site (FDS, which located

&A, COMPETITION AND PERFORMANCE IN THE SLOVENIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Andreea Nicoleta Popovici

2014-04-01

Full Text Available The process of mergers and acquisitions is the main method used by financial institution to grow and to obtain better performance. The main effect of the implication of banks in mergers and acquisitions (M&A translates into a higher degree of market share of the banks and also that the small banks will soon become global banks. This article underlines the relationship between bank performance and degree of concentration of the Slovenian banking sector during 2006-2012 using a simple linear regression model.

Pattern Analysis On Banking Dataset

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Amritpal Singh

2015-06-01

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

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

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.

Geometry Processing of Conventionally Produced Mouse Brain Slice Images.

Science.gov (United States)

Agarwal, Nitin; Xu, Xiangmin; Gopi, M

2018-04-21

Brain mapping research in most neuroanatomical laboratories relies on conventional processing techniques, which often introduce histological artifacts such as tissue tears and tissue loss. In this paper we present techniques and algorithms for automatic registration and 3D reconstruction of conventionally produced mouse brain slices in a standardized atlas space. This is achieved first by constructing a virtual 3D mouse brain model from annotated slices of Allen Reference Atlas (ARA). Virtual re-slicing of the reconstructed model generates ARA-based slice images corresponding to the microscopic images of histological brain sections. These image pairs are aligned using a geometric approach through contour images. Histological artifacts in the microscopic images are detected and removed using Constrained Delaunay Triangulation before performing global alignment. Finally, non-linear registration is performed by solving Laplace's equation with Dirichlet boundary conditions. Our methods provide significant improvements over previously reported registration techniques for the tested slices in 3D space, especially on slices with significant histological artifacts. Further, as one of the application we count the number of neurons in various anatomical regions using a dataset of 51 microscopic slices from a single mouse brain. To the best of our knowledge the presented work is the first that automatically registers both clean as well as highly damaged high-resolutions histological slices of mouse brain to a 3D annotated reference atlas space. This work represents a significant contribution to this subfield of neuroscience as it provides tools to neuroanatomist for analyzing and processing histological data. Copyright © 2018 Elsevier B.V. All rights reserved.

Stochastic and deterministic processes regulate spatio-temporal variation in seed bank diversity

Science.gov (United States)

Alejandro A. Royo; Todd E. Ristau

2013-01-01

Seed banks often serve as reservoirs of taxonomic and genetic diversity that buffer plant populations and influence post-disturbance vegetation trajectories; yet evaluating their importance requires understanding how their composition varies within and across spatial and temporal scales (α- and β-diversity). Shifts in seed bank diversity are strongly...

The World Bank's innovation market.

Science.gov (United States)

Wood, Robert Chapman; Hamel, Gary

2002-11-01

Large, tradition-bound organizations can make space for radical, low-cost (and therefore low-risk) innovations. Just ask executives at the World Bank. The story of this best practice begins in 1998, when a young new-products group at the international funding agency proposed holding an Innovation Marketplace to capture novel ideas within the Bank for alleviating poverty. The forum, which eventually was opened to external participants, let people informally present their antipoverty ideas to potential funding sources. Funders could move among hundreds of booths and evaluate proposals for, say, a program that would provide postdisaster reconstruction insurance in developing countries or a vaccination development initiative. The marketplace truncated the Bank's standard project-review processes, which often stretched to a year or more, and gave funders permission to make commitments in the tens of thousands of dollars, rather than in the tens of millions more typical of Bank-financed projects. The marketplace concept met with some skepticism at the beginning. Some senior executives at the Bank felt no group had the right to spend the agency's money without following its well-established resource allocations process. But the marketplace team believed an open process for allocating grants would produce more breakthrough ideas in the long run than a centralized one. In this article, the authors describe how the new-products team brainstormed to create a market for ideas, how it got senior management's support, and how it has expanded on the original concept for these innovation marketplaces. The program's success, they contend, offers hope both for the world's poor and for business leaders looking to find new ideas under the hard crust of corporate dogma, conformance, and bureaucracy.

Development of the NSRR experimental data bank system, (1)

International Nuclear Information System (INIS)

Ishijima, Kiyomi; Uemura, Mutsumi; Ohnishi, Nobuaki

1981-01-01

To promote collection, arrangement, and utilization of the NSRR experimental data, development of the NSRR experimental data bank system was intended. Fundamental parts of the NSRR experimental data bank system, including the processing program DTBNK, have been completed. Data of the experiments performed so far have been collected and stored. Outline of the processing program and the method of utilization and the present status of the data bank system are discussed. (author)

Do Cooperative Banks Really Serve Agricultural Sector in Poland?

OpenAIRE

Zawojska, Aldona; Siudek, Tomasz

2005-01-01

The aim of the paper is to assess the potential of cooperative banks for serving agricultural sector in Poland and to identify the areas with the most development potential. We discuss the transformation process in the cooperative banking system under market economy, and in particular investigate importance of cooperative banks for farms' financing on the basis of our survey of banks. Moreover, the role of cooperative banks in transmission of Government policy supporting farm sector in Poland...

Can banks offer digital keys for health care?

Science.gov (United States)

Casillas, John

2013-01-01

In the quest to implement electronic health care records, health care stakeholders have uncovered an elephant in the room - how to implement patient identity and integrity solutions. Without this, linking the unique records of an individual is impossible. An inaccurate record can be dangerous for prescribing treatment. Yet many consider a unique patient identifier as an unacceptable privacy risk. Medical banking, or the convergence of banking and heath IT systems, is spawning new ideas that could impact on this difficult area. This article suggests that new forms of efficiency in payment processing may yield a common, cross-industry technology platform for managing digital identity by banks. Redefining a bank based on core competencies, the article looks at three areas: (1) the "identity theft arms race"; (2) innovations in payment processing; and (3) consumer engagement, and suggests that, as banking and health care systems converge, digital identity may become the new money. This realization may find banks fully engaged in helping health care to overcome the challenge of patient identity and integrity.

Critical challenges affecting Islamic banking growth in India using Analytical Hierarchy Process (AHP)

OpenAIRE

Mosab I. Tabash

2017-01-01

The banking sector plays a vital role in growth-supporting factor for economic growth in the world’s fastest-growing economies like India. Recently, Islamic banking has become an increasingly popular method for alleviating poverty, financial inclusion and economic development around the world. Its importance is highly needed in developing and emerging countries such as India. The main purpose of the paper is to identify and prioritize the critical impeding factors for Islamic banking growth i...

Factors Influencing Customer Trust in Mobile Banking: Case of Latvia

Directory of Open Access Journals (Sweden)

Skvarciany Viktorija

2017-12-01

Full Text Available The banking sector has developed and extended the use of its services in the past decade. In fact, nowadays mobile banking (M-banking is the most developing service offered by a bank. In order to encourage customers to use m-banking services, it is extremely important to get clients to trust the M-banking services provided by the bank. This article discusses private clients’ trust in mobile banking in Latvia. Hence, the goal of the research is to identify the key factors driving individual customer’s confidence in mobile banking. In order to determine the weight of each factor, expert evaluation method based on analytic hierarchy process (AHP was used. The results showed that the most vital factor affecting private clients’ trust in mobile banking is customer characteristics, especially customers’ computer literacy. However, after summarizing all the subfactors, it became clear that the most powerful in the trust-building process is convenience/practicality of using a mobile application. However, there is a limitation – the survey was conducted by interviewing experts, which means that the results may differ from the responses of the clients themselves.

In situ ultrahigh-resolution optical coherence tomography characterization of eye bank corneal tissue processed for lamellar keratoplasty.

Science.gov (United States)

Brown, Jamin S; Wang, Danling; Li, Xiaoli; Baluyot, Florence; Iliakis, Bernie; Lindquist, Thomas D; Shirakawa, Rika; Shen, Tueng T; Li, Xingde

2008-08-01

To use optical coherence tomography (OCT) as a noninvasive tool to perform in situ characterization of eye bank corneal tissue processed for lamellar keratoplasty. A custom-built ultrahigh-resolution OCT (UHR-OCT) was used to characterize donor corneal tissue that had been processed for lamellar keratoplasty. Twenty-seven donor corneas were analyzed. Four donor corneas were used as controls, whereas the rest were processed into donor corneal buttons for lamellar transplantation by using hand dissection, a microkeratome, or a femtosecond laser. UHR-OCT was also used to noninvasively characterize and monitor the viable corneal tissue immersed in storage medium over 3 weeks. The UHR-OCT captured high-resolution images of the donor corneal tissue in situ. This noninvasive technique showed the changes in donor corneal tissue morphology with time while in storage medium. The characteristics of the lamellar corneal tissue with each processing modality were clearly visible by UHR-OCT. The in situ characterization of the femtosecond laser-cut corneal tissue was noted to have more interface debris than shown by routine histology. The effects of the femtosecond laser microcavitation bubbles on the corneal tissue were well visualized at the edges of the lamellar flap while in storage medium. The results of our feasibility study show that UHR-OCT can provide superb, in situ microstructural characterization of eye bank corneal tissue noninvasively. The UHR-OCT interface findings and corneal endothelial disc thickness uniformity analysis are valuable information that may be used to optimize the modalities and parameters for lamellar tissue processing. The UHR-OCT is a powerful approach that will allow us to further evaluate the tissue response to different processing techniques for posterior lamellar keratoplasty. It may also provide information that can be used to correlate with postoperative clinical outcomes. UHR-OCT has the potential to become a routine part of tissue

Perencanaan Infrastruktur Teknologi Informasi pada Bank dengan Framework TOGAF

Directory of Open Access Journals (Sweden)

Rika Kharlina Ekawati

2017-11-01

Full Text Available Implementation of information technology is intended to achieve business process alignment, especially in the field of banking. Some of the obstacles faced by banks include system of services transaction processing and data access. Lack of awareness in infrastructure planning results in company losses and inappropriately targeted use. The aim of the research is is to plan the information technology infrastructure and simplify the existing system in Bank, with case study at one of national private bank. The research use the organization's information technology architecture planning methodology based on the concept of information technology solutions that have been mapped and implementing the TOGAF framework, The proposed system to support the development of implementation strategies as a foundation for information technology architecture. The results of gap analysis show that there are several applications that must be developed to connect the management and customers and to manage transaction data and customer data. It also needs to develop mobile banking to maximize the 24-hour service. From this planning is expected to improve the performance of bank service and implement the right information technology system to support the smoothness of business process.

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...

Challenges of the Banking Integration Process in the Case of the New EU Member States

Directory of Open Access Journals (Sweden)

Dan Chirlean

2011-04-01

Full Text Available The creation of the single European market represents a 50 years long process which aimsat developing the most advanced economy in the world. In order to achieve this, political actions mustbe accompanied by economical and juridical changes in order to stimulate and foster the creation ofthe single European market. A key component of this process is represented by the integration of thefinancial sector. While several component of it have registered major transformations andachievements in the integration process, one of the least integrated parts is represented by theEuropean banking sector. Most of the European economies are funded directly through the bankingsector, thus the integration of this sector represents a major benchmarks in the European integrationprocess. This problem becomes more complex in the context of the European Union enlargement to27 member states. Thus, the aim of this paper is to underline the progresses achieved by the bankingsectors of the European Union new member states from Central and Eastern Europe in theirintegration process. In order to achieve this we will use an empirical analysis based on the Law of OnePrice, which will underline the progress made by the banking sectors of the panel countries: Poland,Czech Republic, Slovenia, Slovakia, Romania and Bulgaria. The results of the research will providean overview of the main achievements registered by these countries, while also underling hownational particularities of these sectors affect their integration.

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...

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-.

CENTRAL BANK TRANSPARENCY AND EVALUATION OF MONETARY POLICY COMMUNACATIONS

Directory of Open Access Journals (Sweden)

V. Romanchukevych

2018-01-01

Full Text Available The article reveals approaches to evaluate transparency of the central banks and, operating indices, measures it for the National bank of Ukraine. The quantitative analysis of the informational disclosure of the central banks of Ukraine, Czech Republic, Poland, and Russia is allocated. The aspects of the communications of the National Bank of Ukraine in the process of the monetary regime transformation are explored.

Banking System Stability and Public Security: the Cases of the Collapse of the Commercial Banks “Snoras” and “Ūkio bankas” in Lithuania

Directory of Open Access Journals (Sweden)

Mažylis Liudas

2014-12-01

Full Text Available The stability of the banking system is analyzed in the article as an important condition of security of the society. The article analyzes the short term and long term impact of the collapse of two commercial banks, “Snoras” and “Ūkio bankas”, on the public attitude about the banking activities in Lithuania. Employing new institutionalism theoretical approaches, an analytical model is constructed based on the reconstruction of discursive devices of two Lithuanian Internet news portals, Delfi.lt and Lrytas.lt. The positions of the main process actors (Bank of Lithuania, Heads of the State, and media itself within a changing structural environment are assessed. The article argues that new institutionalism presents an appropriate theoretical framework for characterizing the processes analyzed, taking into account calculations of actors and explaining development of political processes, and taking into account circumstances of consensus reached in the former stages of political processes. Employing the discursive institutionalism approach enables the understanding of actors as actively influencing and changing structural environment. Five stages of bank collapse are defined according to the reflections in the news media portals. They differ by their continuity, intensity and by the means used for (re-constructing discourses, comparing former case of collapse with the latter one. For instance, the position of the society caused by the “Snoras” bank collapse can be characterized as a classical case of cognitive dissonance: commercial banks are treated by the society as untrustworthy and at the same time society’s behavior shows that society is benefiting from the bank services. Politically the problem analyzed seems like a marginal one without any important influence on mainstream political processes. It seems that the situation after the bank collapse is different from early post-Soviet times when “safety of savings” was an

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...

Vibration-processing interneurons in the honeybee brain

Directory of Open Access Journals (Sweden)

Hiroyuki Ai

2010-01-01

Full Text Available The afferents of the Johnston’s organ (JO in the honeybee brain send their axons to three distinct areas, the dorsal lobe, the dorsal subesophageal ganglion (DL-dSEG, and the posterior protocerebral lobe (PPL, suggesting that vibratory signals detected by the JO are processed differentially in these primary sensory centers. The morphological and physiological characteristics of interneurons arborizing in these areas were studied by intracellular recording and staining. DL-Int-1 and DL-Int-2 have dense arborizations in the DL-dSEG and respond to vibratory stimulation applied to the JO in either tonic excitatory, on-off-phasic excitatory, or tonic inhibitory patterns. PPL-D-1 has dense arborizations in the PPL, sends axons into the ventral nerve cord (VNC, and responds to vibratory stimulation and olfactory stimulation simultaneously applied to the antennae in long-lasting excitatory pattern. These results show that there are at least two parallel pathways for vibration processing through the DL-dSEG and the PPL. In this study, Honeybee Standard Brain was used as the common reference, and the morphology of two types of interneurons (DL-Int-1 and DL-Int-2 and JO afferents was merged into the standard brain based on the boundary of several neuropiles, greatly supporting the understanding of the spatial relationship between these identified neurons and JO afferents. The visualization of the region where the JO afferents are closely appositioned to these DL interneurons demonstrated the difference in putative synaptic regions between the JO afferents and these DL interneurons (DL-Int-1 and DL-Int-2 in the DL. The neural circuits related to the vibration-processing interneurons are discussed.

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 ...

Commercial Banks Performance 2008–2012

Directory of Open Access Journals (Sweden)

Simona Vidzbelytė

2013-09-01

Full Text Available A country’s image, economic development process and GDP growth is significantly influenced by its banking sector performance. Banking’s success largely depends on public confidence. Only a small part of the banking services customers understand the indicators and ratios which are used to assess bank’s activities. Therefore, there is a need to analyze banks performance results in Lithuania. The paper presents a principal component analysis model applied on banks performance ratios in Lithuania. The main purpose of this article is to analyze basic indicators used in banks performance evaluation by principal component method. The obtained results represent the main components with the highest influence on Lithuanian commercial banks performance results in 2008–2012 year period. The main findings of the study indicate that commercial banks in Lithuania have been affected by different factors during 2008–2012 periods. It has been noted that Scandinavian capital commercial banks‘ performance results have been influenced by similar factors, have had similar structure of the factors, which has been more stable in comparison with small and/or Lithuanian capital banks. Conclusions and recommendations help banks’ board to improve their competitiveness and financial results, thus it also helps them to make appropriate decisions. It is also useful for an academic community to understand the structure of main components in banking sector.

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...

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...

Beliefs and accountability in an Islamic bank

Directory of Open Access Journals (Sweden)

Ahmadasri Alaudin

2015-05-01

Full Text Available An Islamic bank in Malaysia (Malpha positions itself on being Islamic. The products and services are more expensive while employees are paid less than normal commercial banks. What bonds customers and employees to the bank are symbols of Islam: aqad (oral agreement between the bank and a customer, doa’ (supplication, a prayer, the tazkirah (short religious talks at the morning meeting and zakat (or almsgiving. Bank Malpha uses aqad (oral agreement between the bank and a customer and Doa (supplication, a prayer to form the basis of belief systems that influence the relationship with a customer. With regard to intermediaries, reciprocity (a form of trust underpins the relationship between the bank and its intermediaries (housing developers and lawyers for example. This bonding is reinforced by a boundary system: the shariah committee. The shariah committee assesses the shariah (lawful according Islam compliance and also engages with employees regarding shariah issues. This promotes learning through words and dialogue. However there is little documentation on customer recovery. If indeed non-performing loans are a key performance indicator for this Islamic bank, the challenge for this Islamic bank is to identify key processes to manage customer recovery.

Nuclear data banks generation by interpolation

International Nuclear Information System (INIS)

Castillo M, J. A.

1999-01-01

Nuclear Data Bank generation, is a process in which a great amount of resources is required, both computing and humans. If it is taken into account that at some times it is necessary to create a great amount of those, it is convenient to have a reliable tool that generates Data Banks with the lesser resources, in the least possible time and with a very good approximation. In this work are shown the results obtained during the development of INTPOLBI code, use to generate Nuclear Data Banks employing bicubic polynominal interpolation, taking as independent variables the uranium and gadolinia percents. Two proposal were worked, applying in both cases the finite element method, using one element with 16 nodes to carry out the interpolation. In the first proposals the canonic base was employed, to obtain the interpolating polynomial and later, the corresponding linear equation systems. In the solution of this systems the Gaussian elimination methods with partial pivot was applied. In the second case, the Newton base was used to obtain the mentioned system, resulting in a triangular inferior matrix, which structure, applying elemental operations, to obtain a blocks diagonal matrix, with special characteristics and easier to work with. For the validation tests, a comparison was made between the values obtained with INTPOLBI and INTERTEG (create at the Instituto de Investigaciones Electricas (MX) with the same purpose) codes, and Data Banks created through the conventional process, that is, with nuclear codes normally used. Finally, it is possible to conclude that the Nuclear Data Banks generated with INTPOLBI code constitute a very good approximation that, even though do not wholly replace conventional process, however are helpful in cases when it is necessary to create a great amount of Data Banks

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-...

Bank Liquidity, Market Participation, and Economic Growth

OpenAIRE

Mattana, Elena; Panetti, Ettore

2012-01-01

We report evidence that bank liquidity ratios (liquid assets as a percentage of total assets) decrease during the process of economic development. To reconcile this observation with (i) the increasing importance of financial markets and (ii) the increasing direct participation of individual investors in them, we build a neoclassical growth model with banks and markets. In this environment, banks engage in cross-subsidization of the impatient depositors to keep up with the competitive pressure...

Monetary transmission and bank lending in Germany

OpenAIRE

Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier

1999-01-01

This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing their loans portfolio. Most lending categories even show an increase following a monetary tightening. The main implication of our results is that a bank lending channel is not an important transmissio...

REFORM, ORGANISATION AND CONSOLIDATION OF THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

ION Gr. IONESCU

2012-01-01

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

Kisspeptin modulates sexual and emotional brain processing in humans.

Science.gov (United States)

Comninos, Alexander N; Wall, Matthew B; Demetriou, Lysia; Shah, Amar J; Clarke, Sophie A; Narayanaswamy, Shakunthala; Nesbitt, Alexander; Izzi-Engbeaya, Chioma; Prague, Julia K; Abbara, Ali; Ratnasabapathy, Risheka; Salem, Victoria; Nijher, Gurjinder M; Jayasena, Channa N; Tanner, Mark; Bassett, Paul; Mehta, Amrish; Rabiner, Eugenii A; Hönigsperger, Christoph; Silva, Meire Ribeiro; Brandtzaeg, Ole Kristian; Lundanes, Elsa; Wilson, Steven Ray; Brown, Rachel C; Thomas, Sarah A; Bloom, Stephen R; Dhillo, Waljit S

2017-02-01

Sex, emotion, and reproduction are fundamental and tightly entwined aspects of human behavior. At a population level in humans, both the desire for sexual stimulation and the desire to bond with a partner are important precursors to reproduction. However, the relationships between these processes are incompletely understood. The limbic brain system has key roles in sexual and emotional behaviors, and is a likely candidate system for the integration of behavior with the hormonal reproductive axis. We investigated the effects of kisspeptin, a recently identified key reproductive hormone, on limbic brain activity and behavior. Using a combination of functional neuroimaging and hormonal and psychometric analyses, we compared the effects of kisspeptin versus vehicle administration in 29 healthy heterosexual young men. We demonstrated that kisspeptin administration enhanced limbic brain activity specifically in response to sexual and couple-bonding stimuli. Furthermore, kisspeptin's enhancement of limbic brain structures correlated with psychometric measures of reward, drive, mood, and sexual aversion, providing functional significance. In addition, kisspeptin administration attenuated negative mood. Collectively, our data provide evidence of an undescribed role for kisspeptin in integrating sexual and emotional brain processing with reproduction in humans. These results have important implications for our understanding of reproductive biology and are highly relevant to the current pharmacological development of kisspeptin as a potential therapeutic agent for patients with common disorders of reproductive function. National Institute for Health Research (NIHR), Wellcome Trust (Ref 080268), and the Medical Research Council (MRC).

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...

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

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....

Brain functional network connectivity based on a visual task: visual information processing-related brain regions are significantly activated in the task state

Directory of Open Access Journals (Sweden)

Yan-li Yang

2015-01-01

Full Text Available It is not clear whether the method used in functional brain-network related research can be applied to explore the feature binding mechanism of visual perception. In this study, we investigated feature binding of color and shape in visual perception. Functional magnetic resonance imaging data were collected from 38 healthy volunteers at rest and while performing a visual perception task to construct brain networks active during resting and task states. Results showed that brain regions involved in visual information processing were obviously activated during the task. The components were partitioned using a greedy algorithm, indicating the visual network existed during the resting state. Z-values in the vision-related brain regions were calculated, confirming the dynamic balance of the brain network. Connectivity between brain regions was determined, and the result showed that occipital and lingual gyri were stable brain regions in the visual system network, the parietal lobe played a very important role in the binding process of color features and shape features, and the fusiform and inferior temporal gyri were crucial for processing color and shape information. Experimental findings indicate that understanding visual feature binding and cognitive processes will help establish computational models of vision, improve image recognition technology, and provide a new theoretical mechanism for feature binding in visual perception.

NRC/RSR data bank program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established at the Idaho National Engineering Laboratory (INEL) the NRC/Reactor Safety Research (RSR) Data Bank Program. The program is under the direction of EG and G Idaho, Inc., and is intended to provide the means of collecting, processing, and making available experimental data from the many water reactor safety research programs. The NRC/RSR Data Bank Program collects qualified engineering data on a prioritized basis from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users. The NRC/RSR Data Bank specializes in water reactor safety experimental data, but it has a number of other scientific applications where large amounts of numeric data are or will be available. As an example of size, a single water reactor safety test may generate 10 million data words. Future examples of the use of a data bank might be in gathering data on low head hydraulics, solar projects, and liquid metal reactor safety data

Control of Bank Consolidated Financial Statements Quality

Directory of Open Access Journals (Sweden)

Margarita S. Ambarchyan

2013-01-01

Full Text Available The author presents the multiple linear regression model of bank consolidated financial statements quality. The article considers six characteristics that can be used to estimate the level of bank consolidated financial statements quality. The multiple linear regression model was developed, using the results of point-based system of consolidated financial statements of thirty European bank and financial groups on the basis of the developed characteristics. The author offers to use the characteristic significance factor in the process of consolidated financial statements appraisal by points. The constructed regression model is checked on accuracy and statistical significance. The model can be used by internal auditors and financial analytics as an instrument for bank and non-bank consolidated financial statements quality control

Merger and Industrial Acceleration: Study at Indonesian Islamic Banking Industry

Directory of Open Access Journals (Sweden)

Kindy Miftah

2017-02-01

Full Text Available The purpose of this research tries to feed the alternatives of merger between Islamic banks which becomes a form of recommendation to optimize the merger result, so it will contribute to the development of Indonesia’s banking sector in particular. Methodolgy of this study is using comparison technique utilize result of calculation valuation based on valuation theory in general with method discounted cash flaw (DCF. Valuation data processing using data past performance sharia banks is to plan future financial performance. Results of valuation will be conducted both with individual banks that will be merged and alternative merger determined. These findings implied from various possibility alternative mergers between sharia banks, there are 5 alternatives that are feasible considering the internal aspect such as tendency shareholder and condition sharia bank to be merged related to internal interest and external aspect namely scale of assets from merger banks and probability success from merger process.DOI:  10.15408/sjie.v6i1.4728

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...

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...

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...

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.

Monetary transmission and bank lending in Germany

NARCIS (Netherlands)

Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier, [No Value

1999-01-01

This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing

A method for acetylcholinesterase staining of brain sections previously processed for receptor autoradiography.

Science.gov (United States)

Lim, M M; Hammock, E A D; Young, L J

2004-02-01

Receptor autoradiography using selective radiolabeled ligands allows visualization of brain receptor distribution and density on film. The resolution of specific brain regions on the film often can be difficult to discern owing to the general spread of the radioactive label and the lack of neuroanatomical landmarks on film. Receptor binding is a chemically harsh protocol that can render the tissue virtually unstainable by Nissl and other conventional stains used to delineate neuroanatomical boundaries of brain regions. We describe a method for acetylcholinesterase (AChE) staining of slides previously processed for receptor binding. AChE staining is a useful tool for delineating major brain nuclei and tracts. AChE staining on sections that have been processed for receptor autoradiography provides a direct comparison of brain regions for more precise neuroanatomical description. We report a detailed thiocholine protocol that is a modification of the Koelle-Friedenwald method to amplify the AChE signal in brain sections previously processed for autoradiography. We also describe several temporal and experimental factors that can affect the density and clarity of the AChE signal when using this protocol.

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.

Memory Processing: Ripples in the Resting Brain.

Science.gov (United States)

Walker, Matthew P; Robertson, Edwin M

2016-03-21

Recent work has shown that, during sleep, a functional circuit is created amidst a general breakdown in connectivity following fast-frequency bursts of brain activity. The findings question the unconscious nature of deep sleep, and provide an explanation for its contribution to memory processing. Copyright © 2016 Elsevier Ltd. All rights reserved.

A brain network processing the age of faces.

Directory of Open Access Journals (Sweden)

György A Homola

Full Text Available Age is one of the most salient aspects in faces and of fundamental cognitive and social relevance. Although face processing has been studied extensively, brain regions responsive to age have yet to be localized. Using evocative face morphs and fMRI, we segregate two areas extending beyond the previously established face-sensitive core network, centered on the inferior temporal sulci and angular gyri bilaterally, both of which process changes of facial age. By means of probabilistic tractography, we compare their patterns of functional activation and structural connectivity. The ventral portion of Wernicke's understudied perpendicular association fasciculus is shown to interconnect the two areas, and activation within these clusters is related to the probability of fiber connectivity between them. In addition, post-hoc age-rating competence is found to be associated with high response magnitudes in the left angular gyrus. Our results provide the first evidence that facial age has a distinct representation pattern in the posterior human brain. We propose that particular face-sensitive nodes interact with additional object-unselective quantification modules to obtain individual estimates of facial age. This brain network processing the age of faces differs from the cortical areas that have previously been linked to less developmental but instantly changeable face aspects. Our probabilistic method of associating activations with connectivity patterns reveals an exemplary link that can be used to further study, assess and quantify structure-function relationships.

Quality indicators for eye bank.

Science.gov (United States)

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

2018-03-01

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

Banche, territorio e sviluppo (Banks, Regions and Development

Directory of Open Access Journals (Sweden)

Pietro Alessandrini

2012-04-01

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.  JEL Codes: G21, G28, G34Keywords: Bank, Banking, Credit, Globalization, Restructuring

Waste Bank Revitalization in Palabuhanratu West Java

Science.gov (United States)

Samadikun, Budi Prasetyo; Handayani, Dwi Siwi; Laksana, Muhamad Permana

2018-02-01

Palabuhanratu Village has three waste banks, one of them was established since 2010, the others built in 2016. However, waste processing from the source is still not optimal, it's only reduced waste about 5% of the total waste generated to the final waste disposal site. The performance of waste banks is still minimal, because one waste bank can not serve the entire area of the village. Furthermore, organic waste processed by some communities of Palabuhanratu Village to be compost can not be a mass movement, due to the lack of public knowledge. The purpose of this research is to know the existing condition of waste management in Palabuhanratu Village and to formulate the revitalization of existing waste bank. The research used survey research method by using questionnaire, in depth interview, and observation. Analytical technique using quantitative and qualitative analysis. The findings of the research indicate that the residents of Palabuhanratu Village who often do waste sorting from the source only from the residents of RT 01 / RW 33. The number of existing temporary waste disposal site in Palabuhanratu Village is still lacking, so it requires addition up to 5 units that integrated with waste bank in this village.

DATA MINING. CONCEPTS AND APPLICATIONS IN BANKING SECTOR

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ADRIAN IONUT PASCU

2018-02-01

Full Text Available The concept of banking refers to the multitude of services and products that commercial banks offer to clients and include besides transactional accounts both passive and active products. Due to the increased competitiveness in banking, the relationship between the bank and the client has become an essential factor for the strategy in order to increase customer satisfaction. Currently the banking system is able to store impressive amounts of data that they collect daily, from customer data and transaction details to data on their transactional or risk profile. The process through which large amounts of data are analyzed, extracted, identified and the information obtained using mathematical and statistical models are interpreted is known as data mining. The discovery of knowledge from data involves identifying some models, some patterns with which certain events or possible risks are anticipated. This process helps banks to develop strategies in areas such as customer retention and loyalty, customer satisfaction, fraud detection and prevention, risk management, money laundering prevention. The aim of this paper is to present the concept of data mining and the concept of data discovery (KDD, but also the impact and important use of data mining techniques in the banking sector. This paper explores and reviews various data mining techniques that are applied in the banking sector but also provides insight into how these techniques are used in different areas to make decision-making easier and more efficient.

Microscale Insight into Microbial Seed Banks.

Science.gov (United States)

Locey, Kenneth J; Fisk, Melany C; Lennon, J T

2016-01-01

Microbial dormancy leads to the emergence of seed banks in environmental, engineered, and host-associated ecosystems. These seed banks act as reservoirs of diversity that allow microbes to persist under adverse conditions, including extreme limitation of resources. While microbial seed banks may be influenced by macroscale factors, such as the supply of resources, the importance of microscale encounters between organisms and resource particles is often overlooked. We hypothesized that dimensions of spatial, trophic, and resource complexity determine rates of encounter, which in turn, drive the abundance, productivity, and size of seed banks. We tested this using >10,000 stochastic individual based models (IBMs) that simulated energetic, physiological, and ecological processes across combinations of resource, spatial, and trophic complexity. These IBMs allowed realistic dynamics and the emergence of seed banks from ecological selection on random variation in species traits. Macroscale factors like the supply and concentration of resources had little effect on resource encounter rates. In contrast, encounter rates were strongly influenced by interactions between dispersal mode and spatial structure, and also by the recalcitrance of resources. In turn, encounter rates drove abundance, productivity, and seed bank dynamics. Time series revealed that energetically costly traits can lead to large seed banks and that recalcitrant resources can lead to greater stability through the formation of seed banks and the slow consumption of resources. Our findings suggest that microbial seed banks emerge from microscale dimensions of ecological complexity and their influence on resource limitation and energetic costs.

Red Brain, Blue Brain: Evaluative Processes Differ in Democrats and Republicans

Science.gov (United States)

Schreiber, Darren; Fonzo, Greg; Simmons, Alan N.; Dawes, Christopher T.; Flagan, Taru; Fowler, James H.; Paulus, Martin P.

2013-01-01

Liberals and conservatives exhibit different cognitive styles and converging lines of evidence suggest that biology influences differences in their political attitudes and beliefs. In particular, a recent study of young adults suggests that liberals and conservatives have significantly different brain structure, with liberals showing increased gray matter volume in the anterior cingulate cortex, and conservatives showing increased gray matter volume in the in the amygdala. Here, we explore differences in brain function in liberals and conservatives by matching publicly-available voter records to 82 subjects who performed a risk-taking task during functional imaging. Although the risk-taking behavior of Democrats (liberals) and Republicans (conservatives) did not differ, their brain activity did. Democrats showed significantly greater activity in the left insula, while Republicans showed significantly greater activity in the right amygdala. In fact, a two parameter model of partisanship based on amygdala and insula activations yields a better fitting model of partisanship than a well-established model based on parental socialization of party identification long thought to be one of the core findings of political science. These results suggest that liberals and conservatives engage different cognitive processes when they think about risk, and they support recent evidence that conservatives show greater sensitivity to threatening stimuli. PMID:23418419

Controversies in hybrid banking: attitudes of Swiss public umbilical cord blood donors toward private and public banking.

Science.gov (United States)

Manegold, Gwendolin; Meyer-Monard, Sandrine; Tichelli, André; Granado, Christina; Hösli, Irene; Troeger, Carolyn

2011-07-01

Umbilical cord blood (UCB) stored in public inventories has become an alternative stem cell source for allogeneic stem cell transplantation. The potential use of autologous UCB from private banks is a matter of debate. In the face of the limited resources of public inventories, a discussion on "hybrid" public and private UCB banking has evolved. We aimed to explore the attitudes of the donating parents toward public and private UCB banking. A standardized, anonymous questionnaire was sent to the most recent 621 public UCB donors including items regarding satisfaction with recruitment process, the need for a second consent before release of the UCB unit for stem cell transplantation, and the donors' views on public and private UCB banking. Furthermore, we asked about their views on UCB research. Of the questionnaires, 48% were returned, and 16% were lost due to mail contact. Of our donors, 95% would donate to the public bank again. As much as 35% of them were convinced that public banking was useful. Whereas 27% had never heard about private UCB banking, 34% discussed both options. Nearly 70% of donors opted for public banking due to altruism and the high costs of private banking. Of our public UCB donors, 81% stated that they did not need a re-consent before UCB release for stem cell transplantation. In case of sample rejection, 53.5% wanted to know details about the particular research project. A total of 9% would not consent. Almost all donors would choose public banking again due to altruism and the high costs of private banking. Shortly after donation, mail contact with former UCB donors was difficult. This might be a relevant issue in any sequential hybrid banking.

Multiscale neural connectivity during human sensory processing in the brain

Science.gov (United States)

Maksimenko, Vladimir A.; Runnova, Anastasia E.; Frolov, Nikita S.; Makarov, Vladimir V.; Nedaivozov, Vladimir; Koronovskii, Alexey A.; Pisarchik, Alexander; Hramov, Alexander E.

2018-05-01

Stimulus-related brain activity is considered using wavelet-based analysis of neural interactions between occipital and parietal brain areas in alpha (8-12 Hz) and beta (15-30 Hz) frequency bands. We show that human sensory processing related to the visual stimuli perception induces brain response resulted in different ways of parieto-occipital interactions in these bands. In the alpha frequency band the parieto-occipital neuronal network is characterized by homogeneous increase of the interaction between all interconnected areas both within occipital and parietal lobes and between them. In the beta frequency band the occipital lobe starts to play a leading role in the dynamics of the occipital-parietal network: The perception of visual stimuli excites the visual center in the occipital area and then, due to the increase of parieto-occipital interactions, such excitation is transferred to the parietal area, where the attentional center takes place. In the case when stimuli are characterized by a high degree of ambiguity, we find greater increase of the interaction between interconnected areas in the parietal lobe due to the increase of human attention. Based on revealed mechanisms, we describe the complex response of the parieto-occipital brain neuronal network during the perception and primary processing of the visual stimuli. The results can serve as an essential complement to the existing theory of neural aspects of visual stimuli processing.

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...

Introductory study of brain function data processing; No kino joho shori no sendo kenkyu

Energy Technology Data Exchange (ETDEWEB)

NONE

1998-03-01

An investigational study was conducted of the brain function aiming at developing an interface with the same function as humans have. In the study, the most up-to-date information/knowledge and future problems were examined on brain measurement, brain modeling, making a model an element, and the brain function data processing system. As to the brain measurement, the paper took up the multielectrode simultaneous measuring method and the optical multipoint measuring method as an invasive measuring method, and the functional magnetic resonance imaging, near-infrared spectroscopy, magneto-encephalography, and electro-encephalography as a non-invasive measuring method. Relating to the brain modeling, studies were made on senses of sight and smell, the movement control and the learning. As to making a model an element, how to make the modeled function a chip on silicone for example becomes the problem. Reported were two reports on making the sense of sight an element and one report on making the parallel dispersed processing mechanism of brain an element. About the brain function data processing system, three reports were made on the present situation, matters in question, and the future development of the system in the case of catching data processing as a system taking a step ahead from making the model an element. 250 refs., 74 figs., 11 tabs.

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

Brain mechanisms in religion and spirituality : An integrative predictive processing framework

NARCIS (Netherlands)

van Elk, Michiel; Aleman, Andre

We present the theory of predictive processing as a unifying framework to account for the neurocognitive basis of religion and spirituality. Our model is substantiated by discussing four different brain mechanisms that play a key role in religion and spirituality: temporal brain areas are associated

Shadow banking, relationship banking, and the economics of depression

Directory of Open Access Journals (Sweden)

Antonio Bianco

2015-12-01

Full Text Available The paper explores whether a theory of banks doing ‘finance through money creation’ implies a reconsideration of demand-side macro theory as well. To this aim, a simple methodological accounting model of the influence of financial markets over the real economy is presented. The model allows a tidy comparison of relationship and shadow banking, interpreted as alternative schemes of liquidity (not credit risk management. The model emphasizes the interdependencies in entrepreneurs’ animal spirits, liquidity risk management schemes adopted by financial institutions, and effective demand of households. The underlying idea is that fluctuations in the composition of property incomes trigger fluctuations in non-financial investment that, in turn, drive fluctuations in spending. The article finds that both relationship and shadow banking must have a pro-cyclical impact, and differences are essentially based on different liquidity risk management aggregate cost functions. The model developed here suggests that securitisation does not per se affect the financial sustainability of the growth process, but regulatory measures aimed at checking predatory lending and re-securitisation activities are needed to avoid possible adverse impacts on animal spirits. JEL codes: E44, G20, O16.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

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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

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...

Available processing resources influence encoding-related brain activity before an event.

Science.gov (United States)

Galli, Giulia; Gebert, A Dorothea; Otten, Leun J

2013-09-01

Effective cognitive functioning not only relies on brain activity elicited by an event, but also on activity that precedes it. This has been demonstrated in a number of cognitive domains, including memory. Here, we show that brain activity that precedes the effective encoding of a word into long-term memory depends on the availability of sufficient processing resources. We recorded electrical brain activity from the scalps of healthy adult men and women while they memorized intermixed visual and auditory words for later recall. Each word was preceded by a cue that indicated the modality of the upcoming word. The degree to which processing resources were available before word onset was manipulated by asking participants to make an easy or difficult perceptual discrimination on the cue. Brain activity before word onset predicted later recall of the word, but only in the easy discrimination condition. These findings indicate that anticipatory influences on long-term memory are limited in capacity and sensitive to the degree to which attention is divided between tasks. Prestimulus activity that affects later encoding can only be engaged when the necessary cognitive resources can be allocated to the encoding process. Copyright © 2012 Elsevier Ltd. All rights reserved.

Moderating Effects of Bank Ownership on the Relationship between Securitization Uptake and Financial Performance of Commercial Banks in Kenya

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Paul Munene Muiruri

2015-06-01

Full Text Available Securitization is a process in which commercial banks can raise low-cost financing by assigning asset risks to investors’ appetite for risk. This has been one of the most dominant and fastest growing means of capital creation in the United States and the world over. After introduction of securitization, the banking industry in Kenya has recovered from a long period of poor performance. The aim of this study is to aim of study was to tests for the moderating effects of bank ownership on relationship between securitization uptake and financial performance of forty three commercial banks in Kenya, over a five-year period from 2009 to 2013. The researchers dominantly relied on secondary data from most recent annual published financial statements and banks supervision records at the Central Bank of Kenya. The data was complimented by use unstructured personal interview from 172 banks key officials; the mortgage, credit, risk and compliance and debt recovery who were identified by simple random sampling from each of 43 banks. The data were cross validated with information from secondary sources; five years annual published financial statements and bank supervision records at the Central Bank of Kenya so as to avoid premature conclusions. In line with the previous studies, the results indicate that the banks’ financial performance had been almost progressing over the operational periods considered for the study. The commendable performance in profitability of the banks was attributable to securitization uptake among banks. The study recommends banks to use securitization in ensuring they have adequate capital and bank managers to be allowed to invest their liquid assets so that can generate more income to boost their performance.

INDONESIA PUBLIC BANKS PERFORMANCE EVALUATION USING FUZZY LOGIC

Directory of Open Access Journals (Sweden)

Sugiarto Sugiarto

2016-10-01

Full Text Available Return on Asset (ROA is a variable that has the greatest ability in predicting public banks stock prices in Indonesia. The coefficient of determination of ROA on public banks stock prices in Indonesia reached 54.8%. ROA has a significant positive influence on public bank stock prices in Indonesia. Fuzzy logic process on the performance of the 15 public banks in Indonesia have been carried out using the data of ROA for the period 2010 up to 2013. Bank reference performance according to ROA is based on Bank Indonesia Letter No. 6 / 23DPNP / 2011. The performance of each bank was analyzed by conventional methods and as a comparison used fuzzy logic. The evaluation with fuzzy logic method able to provide added value to the currently enforced performance evaluation method. There is significant difference in conclusion between the determination of fuzzy logic models and conventional method

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...

IMPLIKASI PROSES TAKE-OVER BANK SWASTA NASIONAL GO PUBLIC TERHADAP TINGKAT KESEHATAN DAN KINERJA BANK

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Sri Mintarti

2017-03-01

Full Text Available The purpose of this research was to know the implication process of take-over inNational Private Banks to the degree of banks’ health and performance. The samples were 5national private banks which had asset more than 20 trillion and the structure of foreignownership was above 51%. Independent variable used was ratio CAEL consisted of CAR, LDR,BOPO, and NPL while dependent variable used was ROA. By using multiple regression analysis,it was found that CAR, BOPO, LDR and NPL simultaneously had an influence to ROA, while onthe whole the result of bank’s health degree in 5 national private banks which did take overusing CAEL method showed relative good performance.

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...

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...

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

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Jesus Rivera

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

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

Science.gov (United States)

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

2016-01-01

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

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.

Evaluation of banks’ commercial credit applications using the analytic hierarchy process and Grey relational analysis: A comparison between public and private banks

Directory of Open Access Journals (Sweden)

Zeliha Kaygısız Ertuğ

2015-08-01

Full Text Available The purpose of this study is to develop an evaluation model that considers the quantitative and qualitative criteria for the appropriate selection of firms demanding commercial credit for both public and private banks. In this paper, the authors propose an integrated model that combines the Analytic Hierarchy Process (AHP and Grey Relational Analysis (GRA into a single evaluation model. The model is illustrated with a case study on bank experts to demonstrate the effectiveness of this integrated method for four firms that applied for a commercial loan. In this study, AHP is applied to determine the weight of the criteria, and GRA is performed to determine the most appropriate firm. The results of this study indicate that, whereas firm morality and news criteria are the main criteria with the highest priority, sale and marketing constructions are the main criteria with the lowest priorities for both public and private banks. In addition, according to the results of GRA, the most appropriate firm for a public bank is Firm 1, and the most appropriate firm for a private bank is Firm 2.

EVOLUTIONARY ASPECTS OF THE GEORGIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Tamar ATANELISHVILI

2016-08-01

Full Text Available Georgian monetary relations have a centuries-old history. Credit associations were first founded in 11-13th centuries. Network of credit institutions became larger in the 19th century – independent commercial banks were established in the second half of the 19th century. Central State Bank of Georgia was established in the Democratic Republic of Georgia in the beginning of the 20th century. At the same time, there were efforts to create independent two-level banking system, although those efforts failed due to forceful sovietization of Georgia. But still, independent banking system was founded in Georgia after the collapse of the former Soviet Union. This work examines afore-mentioned evolutionary processes and some of peculiarities of modern banking system. The research shows that modern Georgian banking system is growing fast but it contains signs of oligopoly which contradicts the interests of vast masses of population and entrepreneurial development, while stimulating retaining of high interest rates and devaluation of national currency.

Financial Crisis and the Central Bank System

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RICHARD POSPISIL

2015-05-01

Full Text Available The financial crisis that began in 2008 gradually developed into a global economic crisis and continues to this day. There is a lot of causes standing behind the creation, depth and process of the crisis, which is the deepest since the thirties of last centrury. One of the reasons can be found in the risky behavior of commercial banks, especially in the excessive lending of credits and mortgages. Its share on the financial crisis have central banks and their failure as the financial supervisory authority. But there is a lot of another causes of failures in the commercial banking system. And some of the causes lies outside the banking system and monetary policy. Its share of the blame has also become from state and its expenditure on the social policy.This article analyzes the role of the commercial banking system and the central banks on the financial crisis including prevention options and measures.

FINANCIAL CRISIS AND THE CENTRAL BANK SYSTEM

Directory of Open Access Journals (Sweden)

Richard POSPISIL

2015-07-01

Full Text Available The financial crisis that began in 2008 gradually developed into a global economic crisis and continues to this day. There is a lot of causes standing behind the creation, depth and process of the crisis, which is the deepest since the thirties of last centrury. One of the reasons can be found in the risky behavior of commercial banks, especially in the excessive lending of credits and mortgages. Its share on the financial crisis have central banks and their failure as the financial supervisory authority. But there is a lot of another causes of failures in the commercial banking system. And some of the causes lies outside the banking system and monetary policy. Its share of the blame has also become from state and its expenditure on the social policy.This article analyzes the role of the commercial banking system and the central banks on the financial crisis including prevention options and measures.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

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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.

Implicit false-belief processing in the human brain.

Science.gov (United States)

Schneider, Dana; Slaughter, Virginia P; Becker, Stefanie I; Dux, Paul E

2014-11-01

Eye-movement patterns in 'Sally-Anne' tasks reflect humans' ability to implicitly process the mental states of others, particularly false-beliefs - a key theory of mind (ToM) operation. It has recently been proposed that an efficient ToM system, which operates in the absence of awareness (implicit ToM, iToM), subserves the analysis of belief-like states. This contrasts to consciously available belief processing, performed by the explicit ToM system (eToM). The frontal, temporal and parietal cortices are engaged when humans explicitly 'mentalize' about others' beliefs. However, the neural underpinnings of implicit false-belief processing and the extent to which they draw on networks involved in explicit general-belief processing are unknown. Here, participants watched 'Sally-Anne' movies while fMRI and eye-tracking measures were acquired simultaneously. Participants displayed eye-movements consistent with implicit false-belief processing. After independently localizing the brain areas involved in explicit general-belief processing, only the left anterior superior temporal sulcus and precuneus revealed greater blood-oxygen-level-dependent activity for false- relative to true-belief trials in our iToM paradigm. No such difference was found for the right temporal-parietal junction despite significant activity in this area. These findings fractionate brain regions that are associated with explicit general ToM reasoning and false-belief processing in the absence of awareness. Copyright © 2014 Elsevier Inc. All rights reserved.

ORGANIZATIONAL AND ECONOMIC ASPECTS OF INCREASING COMPETITIVENESS OF UKRAINIAN BANKS

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Ivanova S.

2018-01-01

Full Text Available Introduction. Modern business conditions and comprehensive economic globalization put the banking institutions at the forefront of the task of achieving and maintaining a high level of competitiveness both on the domestic and on the external financial markets, as banks serve as the main intermediaries in the whole complex of relationships between different economic subjects. To achieve and maintain the competitiveness of banks it is important to create an effective management mechanism, which determines the relevance of the chosen topic. Purpose. The purpose of the work is to summarize the existing theoretical aspects concerning the competitiveness of banks and develop organizational and economic approaches to its enhancement and implementation in banking practice. Results. The article generalizes the notion of competitiveness as an economic category and defines the main approaches of scientists to its interpretation. The role and importance of foreign capital in the banking system and its impact on the competitiveness of banks are considered, and the share of foreign capital in the authorized capital of banks for the period of 2008-2017 is calculated. On the basis of the comparative analysis, the impact on the competitiveness of the largest banking institutions of Ukraine on the performance indicators, such as volumes of assets, liabilities of banks and capital adequacy, was investigated. The possibility of increasing the efficiency of the mechanism of ensuring competitiveness according to the process approach is outlined. By means of the Microsoft Office Visio software system, the Bank’s own Banking Business Management business process was built to ensure the bank’s viability and its structural analysis according to the IDEF0 standard of the SADT methodology. Conclusions. The relationship between the analysis of the bank’s position and the development of its development strategy is important for the understanding and effective management

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…

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...

Banking Accounting Practices “Humanist”

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Nanang Shonhadji

2016-04-01

Full Text Available Humanism is a universal value that should be attached to all forms and operational activities of the bank because the bank’s main business is to provide service to humanity. The purpose of this study was to determine the humanist banking practice. The use of qualitative methods with a phenomenological approach that involve an account officer and marketing staff as key informants. In-depth interviews conducted to obtain comprehensive information. The results of the study informs that the banking practice in the lending and the funding activities were still oriented to material interests or to achieve maximum profit with unbalanced position. It caused the values of humanism in the form of truth and equitable negated by bank stakeholder. The results of this study also found that there are two forms of awareness is needed in the value of accountability in the process of funding and lending activities to customers humanistic were the awareness of responsibility to themselves and to God.

Quality indicators for eye bank

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Manisha Acharya

2018-01-01

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

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...

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

Science.gov (United States)

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

2016-01-01

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

Modification of meander migration by bank failures

Science.gov (United States)

Motta, D.; Langendoen, E. J.; Abad, J. D.; García, M. H.

2014-05-01

Meander migration and planform evolution depend on the resistance to erosion of the floodplain materials. To date, research to quantify meandering river adjustment has largely focused on resistance to erosion properties that vary horizontally. This paper evaluates the combined effect of horizontal and vertical floodplain material heterogeneity on meander migration by simulating fluvial erosion and cantilever and planar bank mass failure processes responsible for bank retreat. The impact of stream bank failures on meander migration is conceptualized in our RVR Meander model through a bank armoring factor associated with the dynamics of slump blocks produced by cantilever and planar failures. Simulation periods smaller than the time to cutoff are considered, such that all planform complexity is caused by bank erosion processes and floodplain heterogeneity and not by cutoff dynamics. Cantilever failure continuously affects meander migration, because it is primarily controlled by the fluvial erosion at the bank toe. Hence, it impacts migration rates and meander shapes through the horizontal and vertical distribution of erodibility of floodplain materials. Planar failures are more episodic. However, in floodplain areas characterized by less cohesive materials, they can affect meander evolution in a sustained way and produce preferential migration patterns. Model results show that besides the hydrodynamics, bed morphology and horizontal floodplain heterogeneity, floodplain stratigraphy can significantly affect meander evolution, both in terms of migration rates and planform shapes. Specifically, downstream meander migration can either increase or decrease with respect to the case of a homogeneous floodplain; lateral migration generally decreases as result of bank protection due to slump blocks; and the effect on bend skewness depends on the location and volumes of failed bank material caused by cantilever and planar failures along the bends, with possible achievement of

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

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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.

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...

Available processing resources influence encoding-related brain activity before an event

OpenAIRE

Galli, Giulia; Gebert, A. Dorothea; Otten, Leun J.

2013-01-01

Effective cognitive functioning not only relies on brain activity elicited by an event, but also on activity that precedes it. This has been demonstrated in a number of cognitive domains, including memory. Here, we show that brain activity that precedes the effective encoding of a word into long-term memory depends on the availability of sufficient processing resources. We recorded electrical brain activity from the scalps of healthy adult men and women while they memorized intermixed visual ...

Talking Work in a Bank

DEFF Research Database (Denmark)

Larsson, Magnus; Lundholm, Susanne E.

2013-01-01

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

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...

Evaluation of Merger and Acquisition Processes in the Brazilian Banking Sector by means of an Event Study

Directory of Open Access Journals (Sweden)

Daniel Reed Bergmann

2015-11-01

Full Text Available Objective – Analyze the reactions of the stock market to M&A announcements, i.e. find out if there was value creation and consequently maximization of shareholder wealth or whether there was value destruction and consequently a decrease in the wealth of the shareholders of the acquiring companies in the short term. Design/methodology/approach – Event study – Quantitative Method Findings – It can neither be affirmed that the acquisitions had a significant impact on value creation for purchasers and banks, nor can it be denied. Given the lack of preponderance of either positive or negative returns, the transactions may have been perceived in different manners. Practical implications – The results may be explained by the fact that the synergies that resulted from the M&A processes in the banking sector only helped consolidating major market players and consequently reduced competitiveness in that sector. The negative abnormal returns of M&A processes are due to the monopolistic market competition structure (Tabak, Fazio & Cajueiro, 2012. Contributions – Event Study with robust errors

Using EEG/MEG Data of Cognitive Processes in Brain-Computer Interfaces

International Nuclear Information System (INIS)

Gutierrez, David

2008-01-01

Brain-computer interfaces (BCIs) aim at providing a non-muscular channel for sending commands to the external world using electroencephalographic (EEG) and, more recently, magnetoencephalographic (MEG) measurements of the brain function. Most of the current implementations of BCIs rely on EEG/MEG data of motor activities as such neural processes are well characterized, while the use of data related to cognitive activities has been neglected due to its intrinsic complexity. However, cognitive data usually has larger amplitude, lasts longer and, in some cases, cognitive brain signals are easier to control at will than motor signals. This paper briefy reviews the use of EEG/MEG data of cognitive processes in the implementation of BCIs. Specifically, this paper reviews some of the neuromechanisms, signal features, and processing methods involved. This paper also refers to some of the author's work in the area of detection and classifcation of cognitive signals for BCIs using variability enhancement, parametric modeling, and spatial fltering, as well as recent developments in BCI performance evaluation

Investment Cost Model in Business Process Intelligence in Banking And Electricity Company

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Arta Moro Sundjaja

2016-06-01

Full Text Available Higher demand from the top management in measuring business process performance causes the incremental implementation of BPM and BI in the enterprise. The problem faced by top managements is how to integrate their data from all system used to support the business and process the data become information that able to support the decision-making processes. Our literature review elaborates several implementations of BPI on companies in Australia and Germany, challenges faced by organizations in developing BPI solution in their organizations and some cost model to calculate the investment of BPI solutions. This paper shows the success in BPI application of banks and assurance companies in German and electricity work in Australia aims to give a vision about the importance of BPI application. Many challenges in BPI application of companies in German and Australia, BPI solution, and data warehouse design development have been discussed to add insight in future BPI development. And the last is an explanation about how to analyze cost associated with BPI solution investment.

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...

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...

Banche, territorio e sviluppo (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.

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

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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.

Monetary transmission and bank lending in the Netherlands

OpenAIRE

Kakes, Jan

1998-01-01

This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.

An Application Relating To Credit Risk and Credit Risk Management in Tu rkish Banking System: The Case of Turkey Garanti Bank

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Seyhan Çil Koçyiğit

2014-09-01

Full Text Available Within the globalization process of the world, at the competitive area arised as a result of the rapid increase in the number of banks and their branches in developing countries, the vigorously existance of banks depend on the management of the risks faced successfully. Banks must establish their credit strategies onto a good risk managment. Indeed, it is the inevitable fact that the success of financial institutions depends on having a powerful risk management system. In this study, by using the banking ratios, it is aimed to investigate the credit-risk changes of Turkish Garanti Bank (S.C. by three-month periods of 2007–2012 and give information about the risk management of Turkish Garanti Bank (S.C.. In conclusion, it is seen that, at Turkish Garanti Bank (S.C., credit risk is measured and evaluated in accordance with international standards, and all risk management is executing in parallel with Basel II regulations.

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...

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...

Generation of nuclear data banks through interpolation

International Nuclear Information System (INIS)

Castillo M, J.A.

1999-01-01

Nuclear Data Bank generation, is a process in which a great amount of resources is required, both computing and humans. If it is taken into account that at some times it is necessary to create a great amount of those, it is convenient to have a reliable tool that generates Data Banks with the lesser resources, in the least possible time and with a very good approximation. In this work are shown the results obtained during the development of INTPOLBI code, used to generate Nuclear Data Banks employing bi cubic polynomial interpolation, taking as independent variables the uranium and gadolinium percents. Two proposals were worked, applying in both cases the finite element method, using one element with 16 nodes to carry out the interpolation. In the first proposals the canonic base was employed to obtain the interpolating polynomial and later, the corresponding linear equations system. In the solution of this system the Gaussian elimination method with partial pivot was applied. In the second case, the Newton base was used to obtain the mentioned system, resulting in a triangular inferior matrix, which structure, applying elemental operations, to obtain a blocks diagonal matrix, with special characteristics and easier to work with. For the validations test, a comparison was made between the values obtained with INTPOLBI and INTERTEG (created at the Instituto de Investigaciones Electricas with the same purpose) codes, and Data Banks created through the conventional process, that is, with nuclear codes normally used. Finally, it is possible to conclude that the Nuclear Data Banks generated with INTPOLBI code constitute a very good approximation that, even though do not wholly replace conventional process, however are helpful in cases when it is necessary to create a great amount of Data Banks. (Author)

Data warehousing methods and processing infrastructure for brain recovery research.

Science.gov (United States)

Gee, T; Kenny, S; Price, C J; Seghier, M L; Small, S L; Leff, A P; Pacurar, A; Strother, S C

2010-09-01

In order to accelerate translational neuroscience with the goal of improving clinical care it has become important to support rapid accumulation and analysis of large, heterogeneous neuroimaging samples and their metadata from both normal control and patient groups. We propose a multi-centre, multinational approach to accelerate the data mining of large samples and facilitate data-led clinical translation of neuroimaging results in stroke. Such data-driven approaches are likely to have an early impact on clinically relevant brain recovery while we simultaneously pursue the much more challenging model-based approaches that depend on a deep understanding of the complex neural circuitry and physiological processes that support brain function and recovery. We present a brief overview of three (potentially converging) approaches to neuroimaging data warehousing and processing that aim to support these diverse methods for facilitating prediction of cognitive and behavioral recovery after stroke, or other types of brain injury or disease.

A Dirichlet process mixture model for brain MRI tissue classification.

Science.gov (United States)

Ferreira da Silva, Adelino R

2007-04-01

Accurate classification of magnetic resonance images according to tissue type or region of interest has become a critical requirement in diagnosis, treatment planning, and cognitive neuroscience. Several authors have shown that finite mixture models give excellent results in the automated segmentation of MR images of the human normal brain. However, performance and robustness of finite mixture models deteriorate when the models have to deal with a variety of anatomical structures. In this paper, we propose a nonparametric Bayesian model for tissue classification of MR images of the brain. The model, known as Dirichlet process mixture model, uses Dirichlet process priors to overcome the limitations of current parametric finite mixture models. To validate the accuracy and robustness of our method we present the results of experiments carried out on simulated MR brain scans, as well as on real MR image data. The results are compared with similar results from other well-known MRI segmentation methods.

ORGANIZATIONAL AND METHODIC SUPPORT TO COMMERCIAL BANK STRATEGIC PLANNING

Directory of Open Access Journals (Sweden)

N. G. Korostyliov

2011-01-01

Full Text Available Organizational and methodic support to bank activity strategic planning comprises making prospects for main bank finance activity indices, their correction and examination as well as control over their dynamics. There are specific features of organization of bank strategic planning at present stage of development of Russian economics. Main stages of this process and principles on which this study should be based are discussed. Banking environment information level should be taken into account, feasibility testing of organizational planning systems having to be undertaken in practice.

Some Clarity on Banks as Financial Intermediaries and Money 'Creators'

OpenAIRE

Robert W Vivian and Nicholas Spearman

2015-01-01

Although the phrase ‘banks create money’ forms part of popular discourse, it has precipitated a factually incorrect understanding of a bank’s role in the money creation process. Bank money creation is the result of an underlying value-for-value exchange transaction; the bank facilitates the transaction, takes over responsibility for obligations created and records the money created—the bank is not the source of money creation. This has long been understood, even if it is not immediate...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

COMPETITION IN ROMANIAN BANKING SECTOR

Directory of Open Access Journals (Sweden)

Capraru Bogdan

2011-07-01

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

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...

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  

The Evolving Importance of Banks and Securities Markets

OpenAIRE

Demirguc-Kunt, Asli; Feyen, Erik; Levine, Ross

2011-01-01

The roles of banks and securities markets evolve during the process of economic development. As countries develop economically, (1) the size of both banks and securities markets increases relative to the size of the economy, (2) the association between an increase in economic output and an increase in bank development becomes smaller, and (3) the association between an increase in economic output and an increase in securities market development becomes larger. These findings are consistent wi...

CONSIDERATIONS REGARDING THE MANAGEMENT STRATEGIES OF BANK RISKS

Directory of Open Access Journals (Sweden)

NICOLETA GEORGETA PANAIT

2015-12-01

Full Text Available The study summarizes what it means banking risks, the main risk management strategies. The complexity of the business environment, liberalization and internationalization of financial flows, brings rapid innovation, diversified financial markets, new opportunities but multiplied risks. Banks establish the types of risks they are prepared to take and the threshold at which risk is considered significant. The process of determining the risks that are taken includes the nature, the scale and the complexity of banks.

Methodology for Designing Operational Banking Risks Monitoring System

Science.gov (United States)

Kostjunina, T. N.

2018-05-01

The research looks at principles of designing an information system for monitoring operational banking risks. A proposed design methodology enables one to automate processes of collecting data on information security incidents in the banking network, serving as the basis for an integrated approach to the creation of an operational risk management system. The system can operate remotely ensuring tracking and forecasting of various operational events in the bank network. A structure of a content management system is described.

Digital Banking: Risks of Financial Digitalization

Directory of Open Access Journals (Sweden)

Kornіvska Valerіa O.

2017-09-01

Full Text Available The paper demonstrates the results of the research into development of the digital economy in the global financial space, shows the contradictions of these processes in the context of the growth of financial inclusion of households, identifies the risks of active introduction of digital banking in poor countries of the world. The characteristics of the processes of growth of the influence of banking institutions on the operational activity and daily life of households are given, and it is proved that under conditions of digital banking, without having any other alternative ways of economic activity in terms of money circulation than non-cash turnover, clients are forced to agree to unlimited presence of financial operators in social systems. It is substantiated that in Ukraine the global risk of digitalization of the society is gradually developing as a result of the creation of unified information systems for the control of global financial flows.

Monetary transmission and bank lending in the Netherlands

NARCIS (Netherlands)

Kakes, Jan

1998-01-01

This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use

Management of data banks at Westinghouse Savannah River Company

International Nuclear Information System (INIS)

Baughman, D.F.

1992-01-01

The Risk Assessment Methodology Group (RAM) of the Nuclear Processes Safety Research Section (NPSR) maintains the compilation of incidents that have occurred at the Savannah River Site. The data banks have gained national recognition for their value in risk-related studies. The information provided by these data banks is widely used at SRS and across the DOE Complex. This report discusses these data banks

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....

PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Roberto Ercegovac

2017-09-01

Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

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.

Strategi Pengembangan Bank Sampah di Wilayah Depok

Directory of Open Access Journals (Sweden)

Linda Fitrina Hasnam

2017-09-01

Full Text Available Waste is a global problem in all countries, including Indonesia, because the accumulation of waste generated is directly proportional to the number of Indonesian population reached 256 million in 2015. The purpose of this study was to identify factors EFE and IFE waste banks in order to survive and sustainable (sustain. Data collection techniques using FGD, expert interviews and questionnaires by WPL Waste Bank customers and their auxiliaries. Data analysis using SWOT and AHP to determine in detail the strategies and priorities for the development activities of the waste bank. The results of the analysis EFE and IFE waste banks shows that this activity is stable and has the potential to grow and develop with consistent with the activities that have taken place, has business planning and development purposes for waste banks, expanding the network of relationships or networking with outsiders and penetration and market development to drive Sales of products of waste processing.Keywords: waste bank, community empowerment, social entrepreneurship, SWOT, AHPAbstrak: Sampah adalah masalah global di semua negara termasuk Indonesia, sebab akumulasi sampah yang dihasilkan berbanding lurus dengan jumlah penduduk Indonesia yang mencapai 256 juta jiwa pada tahun 2015. Tujuan penelitian ini adalah untuk mengidentifikasi faktor EFE dan IFE bank sampah agar dapat bertahan serta berkelanjutan (sustain. Teknik pengumpulan data menggunakan FGD, wawancara pakar dan pengisian kuesioner oleh nasabah Bank Sampah WPL dan binaannya. Analisis data menggunakan metode SWOT dan AHP untuk menentukan strategi secara detail dan prioritas utama pengembangan kegiatan bank sampah. Hasil analisis EFE dan IFE bank sampah menunjukkan bahwa kegiatan ini berpotensi untuk tumbuh dan berkembang dengan tetap konsisten melakukan kegiatan yang telah berlangsung, memiliki perencanaan bisnis dan tujuan pengembangan bank sampah, memperluas jaringan hubungan atau networking dengan pihak luar

32 CFR Appendix B to Part 231 - In-Store Banking

Science.gov (United States)

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false In-Store Banking B Appendix B to Part 231.... 231, App. B Appendix B to Part 231—In-Store Banking A. Selection Process. The purpose of this guidance... provide in-store banking services when such services are desired and approved by the installation...

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.

Modelling Central Bank Independence and Inflation: Deus Ex Machina?

Directory of Open Access Journals (Sweden)

Dumiter Florin

2015-11-01

Full Text Available Central bank independence represents the core element of assessing the complex relationship between government and central bank, having at background the fundamental issue of a free monetary policy decision-making process from the hands of the political circle. However, central bank independence is a multilevel concept within some social, economic and behavioral implications both for the central banks and for the society at whole. Central bank independence is needed in order to establish an autonomous central bank with a high degree of freedom in choosing its’ instruments, objectives, techniques and tactics. Moreover, a high degree of transparency for the public disclosure and monitoring of central bank operation and transaction is needed for the social barometer of the central bank. Consequently the central bank must have a high degree of accountability and responsibility vis - á - vis of the most democratic institution, i.e. Parliament. In this article it is presented a comprehensive study regarding the complex relationship between central bank independence and inflation by modeling these two monetary policy panacea, in order to make a fine tuning regarding the causal relationship established in a heterodox manner.

Contribution of Internet Banking toward Profitability of Banking in India

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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.

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...

Liquidity Risk and its Management in Lithuanian Banking System

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Erika Bareikaitė

2014-04-01

Full Text Available Banks are the main part of financial sector in each economy and strength of banking system becomes vital for ensuringfavourable economic stability and growth. Recent failure of two commercial banks in Lithuania showed that managershaven’t evaluated liquidity risk or haven’t dealt with it properly. The tasks of the paper are to investigate Lithuanian banksposition towards liquidity risk, analyse what kind of management tools banks use for ensuring favourable position towardsliquidity and to explore the liquidity influence to profitability in Lithuanian banking sector. The article examines liquidity andits management processes in Lithuanian banking sector. Description of liquidity importance is presented. Liquidity risk and itsmeasurement as well as the ways of managing the above mentioned risk is analysed in the article. In order to analyse the relationshipbetween liquidity risk and profitability of banks, analysis of scientific literature, research synthesis and generalizationshave been made.

THE ROMANIAN BANKING COMPETITION AND THE ACCESSION TO EU

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Bogdan Capraru

2010-07-01

Full Text Available In this study we try to assess banking competition in the Romania for 2001 – 2008, taking into account the evolution of market share of the top five, Herfindahl-Hirschman Index (HHI, performances indicators like ROA and ROE and evolutions of deposit and loans rates. We observed that the competition in the Romanian banking system increases continuously in the last years. The main factors which have influenced this process were: the privatization of the majority of state capital banks and the perspective of accession of our country in the EU. In the period assessed, there are two approaches: in the first period banks have had very good performances due to their market share in a low competitive banking environment and after the privatization of some state capital banks, the leader of the market lost market share in the favor of other bank with greater performances.

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

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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

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

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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.

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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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-D brain image registration using optimal morphological processing

International Nuclear Information System (INIS)

Loncaric, S.; Dhawan, A.P.

1994-01-01

The three-dimensional (3-D) registration of Magnetic Resonance (MR) and Positron Emission Tomographic (PET) images of the brain is important for analysis of the human brain and its diseases. A procedure for optimization of (3-D) morphological structuring elements, based on a genetic algorithm, is presented in the paper. The registration of the MR and PET images is done by means of a registration procedure in two major phases. In the first phase, the Iterative Principal Axis Transform (IPAR) is used for initial registration. In the second phase, the optimal shape description method based on the Morphological Signature Transform (MST) is used for final registration. The morphological processing is used to improve the accuracy of the basic IPAR method. The brain ventricle is used as a landmark for MST registration. A near-optimal structuring element obtained by means of a genetic algorithm is used in MST to describe the shape of the ventricle. The method has been tested on the set of brain images demonstrating the feasibility of approach. (author). 11 refs., 3 figs

Superior Pattern Processing is the Essence of the Evolved Human Brain

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Mark eMattson

2014-08-01

Full Text Available Humans have long pondered the nature of their mind/brain and, particularly why its capacities for reasoning, communication and abstract thought are far superior to other species, including closely related anthropoids. This article considers superior pattern processing (SPP as the fundamental basis of most, if not all, unique features of the human brain including intelligence, language, imagination, invention, and the belief in imaginary entities such as ghosts and gods. SPP involves the electrochemical, neuronal network-based, encoding, integration, and transfer to other individuals of perceived or mentally-fabricated patterns. During human evolution, pattern processing capabilities became increasingly sophisticated as the result of expansion of the cerebral cortex, particularly the prefrontal cortex and regions involved in processing of images. Specific patterns, real or imagined, are reinforced by emotional experiences, indoctrination and even psychedelic drugs. Impaired or dysregulated SPP is fundamental to cognitive and psychiatric disorders. A broader understanding of SPP mechanisms, and their roles in normal and abnormal function of the human brain, may enable the development of interventions that reduce irrational decisions and destructive behaviors.

Reward sensitivity is associated with brain activity during erotic stimulus processing.

Science.gov (United States)

Costumero, Victor; Barrós-Loscertales, Alfonso; Bustamante, Juan Carlos; Ventura-Campos, Noelia; Fuentes, Paola; Rosell-Negre, Patricia; Ávila, César

2013-01-01

The behavioral approach system (BAS) from Gray's reinforcement sensitivity theory is a neurobehavioral system involved in the processing of rewarding stimuli that has been related to dopaminergic brain areas. Gray's theory hypothesizes that the functioning of reward brain areas is modulated by BAS-related traits. To test this hypothesis, we performed an fMRI study where participants viewed erotic and neutral pictures, and cues that predicted their appearance. Forty-five heterosexual men completed the Sensitivity to Reward scale (from the Sensitivity to Punishment and Sensitivity to Reward Questionnaire) to measure BAS-related traits. Results showed that Sensitivity to Reward scores correlated positively with brain activity during reactivity to erotic pictures in the left orbitofrontal cortex, left insula, and right ventral striatum. These results demonstrated a relationship between the BAS and reward sensitivity during the processing of erotic stimuli, filling the gap of previous reports that identified the dopaminergic system as a neural substrate for the BAS during the processing of other rewarding stimuli such as money and food.

Reward sensitivity is associated with brain activity during erotic stimulus processing.

Directory of Open Access Journals (Sweden)

Victor Costumero

Full Text Available The behavioral approach system (BAS from Gray's reinforcement sensitivity theory is a neurobehavioral system involved in the processing of rewarding stimuli that has been related to dopaminergic brain areas. Gray's theory hypothesizes that the functioning of reward brain areas is modulated by BAS-related traits. To test this hypothesis, we performed an fMRI study where participants viewed erotic and neutral pictures, and cues that predicted their appearance. Forty-five heterosexual men completed the Sensitivity to Reward scale (from the Sensitivity to Punishment and Sensitivity to Reward Questionnaire to measure BAS-related traits. Results showed that Sensitivity to Reward scores correlated positively with brain activity during reactivity to erotic pictures in the left orbitofrontal cortex, left insula, and right ventral striatum. These results demonstrated a relationship between the BAS and reward sensitivity during the processing of erotic stimuli, filling the gap of previous reports that identified the dopaminergic system as a neural substrate for the BAS during the processing of other rewarding stimuli such as money and food.

Tissue Banking in Malaysia-amniotic membrane

International Nuclear Information System (INIS)

Hashim bin Mohamad; Norimah binti Yusof

1991-01-01

Burn treatment using amniotic membranes in some of our patients initiate our own tissue bank starting with a pilot project on procurement, processing and clinical application of irradiated amniotic membrane. The irradiation of amniotic membrane was made possible by the availability of cobalt source at the Nuclear Energy Agency (UTN). With the technical help from the Inter-national Atomic Energy Agency (IAEA) we soon should be able to embark on bone bank to supply local surgeons. Thus the establishment of tissue bank at our institution will further enhance our programme which will include keratinocytes culture for burn, osteocytes culture for bone replacement as well as the use of animal skin for temporary coverage of open wounds

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...

NRC/DAE reactor safety research Data Bank

International Nuclear Information System (INIS)

Laats, E.T.

1982-01-01

In 1976, the United States Nuclear Regulatory Commission (NRC) established the NRC/Division of Accident Evaluation (DAE) Data Bank to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. This program has since grown from the conceptual stage to a useful, usable service for computer code development, code assessment, and experimentation groups in meeting the needs of the nuclear industry. Data from 20 facilities are now processed and permanently stored in the Data Bank, which utilizes the Control Data Corporation (CDC) CYBER 176 computer system located at the Idaho National Engineering Laboratory (INEL). New data and data sources are continually being added to the Data Bank. In addition to providing data storage and access software, the Data Bank program supplies data entry, documentation, and training and advisory services to users and the NRC. Management of the NRC/DAE Data Bank is provided by EG and G Idaho, Inc

Data bank for a data retrieval system

Energy Technology Data Exchange (ETDEWEB)

Vernikovskii, V V

1980-01-01

The data bank of the computerized data retrieval system is an organic and constituent part of the system; the level of technology and performance of the data retrieval system as a whole depend on the results of its design and operation. The data bank integrates a storage system for the entire set of data, as well as implementing an organization of a feasible storage mode for the system dictionary, computer processing procedures, user forms, system archieves and other service information. Functions of the data bank are computerized by means of a database control system. The retriveal system data bank was designed for the OKA database control system; the selection and evaluation of the feasibility of the OKA database control system, in turn, were one stage in the design of the system as a whole. The OKA database control system has been used to computerize data retrieval functions in the computerized data retrieval system, and also to maintain the system data bank in updated status.

Strategic positioning in banking industry: Evidence from banking industry

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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.

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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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.

Savannah River Laboratory data banks for risk assessment

International Nuclear Information System (INIS)

Durant, W.S.

1984-01-01

The Savannah River Laboratory maintains a series of computerized data banks primarily as an aid in probabilistic risk assessment studies for the Savannah River Plant (SRP) facilities. These include component failure rates, generic incidents, and reports of specific deviations from normal operating conditions. In addition to providing data for probability studies, these banks have served as a valuable aid in trend analyses, equipment histories, process hazards analyses, consequence assessments, incident audits, process problem solving, and training

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...

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

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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.

Ownership transformation of the banking sector in SEE countries

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Dimić Maja

2017-01-01

Full Text Available Consolidation of financial markets used to be the trend on the global market in the previous three decades up to the recent economic crisis. Global phenomena, technological innovation, liberalization and deregulation used to be the factors which made the process of mergers and acquisitions in the financial sector much easier. In the banking sector of Southeastern Europe, in a turbulent environment, changes are occurring on a daily basis, forcing the banks to adjust to the new situation. The restructuring process is related to the various activities whose main result is the changed ownership structure and business strategy with a view to maximizing profitability and improving efficiency. The aim of our research is to present the banks' restructuring processes in the region of Southeastern Europe before and during the crisis, as well as to stress the fact that the ownership transformation, followed by an increased share of foreign ownership, affected the changes in the market structure and its share in total equity (in the banking balance sheet size.

Clinical grade adult stem cell banking.

Science.gov (United States)

Thirumala, Sreedhar; Goebel, W Scott; Woods, Erik J

2009-07-01

There has been a great deal of scientific interest recently generated by the potential therapeutic applications of adult stem cells in human care but there are several challenges regarding quality and safety in clinical applications and a number of these challenges relate to the processing and banking of these cells ex-vivo. As the number of clinical trials and the variety of adult cells used in regenerative therapy increases, safety remains a primary concern. This has inspired many nations to formulate guidelines and standards for the quality of stem cell collection, processing, testing, banking, packaging and distribution. Clinically applicable cryopreservation and banking of adult stem cells offers unique opportunities to advance the potential uses and widespread implementation of these cells in clinical applications. Most current cryopreservation protocols include animal serum proteins and potentially toxic cryoprotectant additives (CPAs) that prevent direct use of these cells in human therapeutic applications. Long term cryopreservation of adult stem cells under good manufacturing conditions using animal product free solutions is critical to the widespread clinical implementation of ex-vivo adult stem cell therapies. Furthermore, to avoid any potential cryoprotectant related complications, reduced CPA concentrations and efficient post-thaw washing to remove CPA are also desirable. The present review focuses on the current strategies and important aspects of adult stem cell banking for clinical applications. These include current good manufacturing practices (cGMPs), animal protein free freezing solutions, cryoprotectants, freezing & thawing protocols, viability assays, packaging and distribution. The importance and benefits of banking clinical grade adult stem cells are also discussed.

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

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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.

REPUTATIONAL AND OPERATIONAL RISKS IN EUROPEAN BANKS

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Roxana HERGHILIGIU

2014-06-01

Full Text Available In the past 20 years operational and reputational risk has become more intriguing due to the public scandals of rogue tranding in banks like Barings Bank, Allied Irish Banks, Enron. The purpose of this study is to find the connections between operational risk and reputational risk. Our research shows that there may be a loss of reputation due to operational loss events. Moreover, every type of operational risk, from internal fraud, external fraud, legal and liability losses, processing errors, information security breaches, inappropriate business practice, physical security breaches conduct to a loss of reputation. The limitations of this paper are represented by the fact that do not have enough data to show the real impact of the reputation risk to the financial results of the European Banks.

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

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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.

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

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-06-01

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

12 CFR 225.118 - Computer services for customers of subsidiary banks.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Computer services for customers of subsidiary...) Regulations Financial Holding Companies Interpretations § 225.118 Computer services for customers of... status if it should provide data processing services for customers of the subsidiary banks. (b) The Board...

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’

Os Bancos Centrais e sua ambivalência público-privada [Central Banks and their public-private nature

Directory of Open Access Journals (Sweden)

Gentil Corazza

2001-01-01

Full Text Available The paper analyzes the historic origin of Central Banks, from three basic processes: the evolution and convergence of the free banking system to a hierarchical and centralized system in the Central Bank; the transformation of Clearing Houses in Central Banks, and finally, the processes by which governmental banks were assuming Central Bank’s functions and transforming themselves in Central Banks. The assumes the hypothesis by which the Central Banks were not created arbitrarily by Government, but from the evolution of private banking system suffering periodic crises, which needed public intervention. Finally, the paper concludes that this historic origin grounds the ambivalent public-private nature in Central Banks.

Disaster Recovery Framework for Commercial Banks in Sri Lanka

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Mueen Uddin

2016-03-01

Full Text Available The banking sector is the backbone of the entire financial economy of a country. In today’s globalized world, most organizations use online transaction processing systems for transferring money and doing business. Natural or man-made disasters can lead to data loss which in turn can cause millions of dollars of money lost. This study focuses on disaster recovery practices in commercial banks in Sri Lanka. From our preliminary findings, it was concluded that commercial banks only have ad-hoc disaster recovery standards and practices, as there is no standard framework available. Fourteen (14 banks were selected for data collection and relevant authorities were interviewed. The results were translated as qualitative observations to understand the best practices. Similarly, international standards, compliance requirements of the central bank, and existing researches were used to develop a disaster recovery practice framework. The proposed framework was then validated for its efficiency and usefulness among commercial banks and found to be acceptable by the banking industry.  

Government chartered banks step up oil and gas lending

International Nuclear Information System (INIS)

Crow, P.

1994-01-01

International government chartered banks are playing an increasingly prominent role in lending for world oil and gas development projects. The main players are the World Bank's International Finance Corp. (IFC), European Bank for Reconstruction and Development (EBRD), US Export-Import Bank, and Overseas Private Investment Corp. (OPIC). Those institutions and similar ones are the catalysts for a large number of projects in the former Soviet Union (FSU) and in other nations that are seeking to develop oil and gas resources and build processing plants, pipelines, and distribution networks. Banks also are taking a greater degree of interest in the environmental aspects of projects. In country after country, especially in the developing world, barriers to foreign investment in domestic petroleum sectors are falling. Oil and gas law reforms are under way on each continent. The paper discusses the major players, the World Bank grouped, the Romanian example, the Ex-Im Bank, OPIC, the emphasis on FSU, environmental issues, and new sources of capital in developing countries

Structural and Qualitative Analysis of the Romanian Banking System

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Anisoara Niculina APETRI

2010-12-01

Full Text Available The banking sector, the predominant component of the Romanian financial system, had a relatively stable structure in the period 2005-2009 and has experienced significant consolidation, particularly in the years 2005-2006, this being sustained mainly by the restructuring and privatization process, but also by Romania's EU accession perspective and the competitive environment in this area. Given the new status of Romania as EU member country, the competition in the banking system has increased significantly, leading to both structural changes, but also to changes in levels of analysis indicators of banking structure and performance. Following this analysis, it appears that, recently, our country's banking system saw a dynamic and unprecedented diversification resulting from the economic development of the society and adaptation to EU requirements, and we can say that in Romania there is, now, a modern and competitive banking system, which provides circulation of the domestic economy and provides banking products and services in accordance with trends in the European banking sector.

Creative thinking as orchestrated by semantic processing versus cognitive control brain networks

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Anna eAbraham

2014-02-01

Full Text Available Creativity is primarily investigated within the neuroscientific perspective as a unitary construct. While such an approach is beneficial when trying to infer the general picture regarding creativity and brain function, it is insufficient if the objective is to uncover the information processing brain mechanisms by which creativity occurs. As creative thinking emerges through the dynamic interplay between several cognitive processes, assessing the neural correlates of these operations would enable the development and characterization of an information processing framework from which to better understand this complex ability. This article focuses on two aspects of creative cognition that are central to generating original ideas. Conceptual expansion refers to the ability to widen one’s conceptual structures to include unusual or novel associations, while overcoming knowledge constraints refers to our ability to override the constraining influence imposed by salient or pertinent knowledge when trying to be creative. Neuroimaging and neuropsychological evidence is presented to illustrate how semantic processing and cognitive control networks in the brain differentially modulate these critical facets of creative cognition.

Improving data availability for brain image biobanking in healthy subjects: Practice-based suggestions from an international multidisciplinary working group.

Science.gov (United States)

Shenkin, Susan D; Pernet, Cyril; Nichols, Thomas E; Poline, Jean-Baptiste; Matthews, Paul M; van der Lugt, Aad; Mackay, Clare; Lanyon, Linda; Mazoyer, Bernard; Boardman, James P; Thompson, Paul M; Fox, Nick; Marcus, Daniel S; Sheikh, Aziz; Cox, Simon R; Anblagan, Devasuda; Job, Dominic E; Dickie, David Alexander; Rodriguez, David; Wardlaw, Joanna M

2017-06-01

Brain imaging is now ubiquitous in clinical practice and research. The case for bringing together large amounts of image data from well-characterised healthy subjects and those with a range of common brain diseases across the life course is now compelling. This report follows a meeting of international experts from multiple disciplines, all interested in brain image biobanking. The meeting included neuroimaging experts (clinical and non-clinical), computer scientists, epidemiologists, clinicians, ethicists, and lawyers involved in creating brain image banks. The meeting followed a structured format to discuss current and emerging brain image banks; applications such as atlases; conceptual and statistical problems (e.g. defining 'normality'); legal, ethical and technological issues (e.g. consents, potential for data linkage, data security, harmonisation, data storage and enabling of research data sharing). We summarise the lessons learned from the experiences of a wide range of individual image banks, and provide practical recommendations to enhance creation, use and reuse of neuroimaging data. Our aim is to maximise the benefit of the image data, provided voluntarily by research participants and funded by many organisations, for human health. Our ultimate vision is of a federated network of brain image biobanks accessible for large studies of brain structure and function. Copyright © 2017 Elsevier Inc. All rights reserved.

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.

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

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

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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.

Oxytocin: parallel processing in the social brain?

Science.gov (United States)

Dölen, Gül

2015-06-01

Early studies attempting to disentangle the network complexity of the brain exploited the accessibility of sensory receptive fields to reveal circuits made up of synapses connected both in series and in parallel. More recently, extension of this organisational principle beyond the sensory systems has been made possible by the advent of modern molecular, viral and optogenetic approaches. Here, evidence supporting parallel processing of social behaviours mediated by oxytocin is reviewed. Understanding oxytocinergic signalling from this perspective has significant implications for the design of oxytocin-based therapeutic interventions aimed at disorders such as autism, where disrupted social function is a core clinical feature. Moreover, identification of opportunities for novel technology development will require a better appreciation of the complexity of the circuit-level organisation of the social brain. © 2015 The Authors. Journal of Neuroendocrinology published by John Wiley & Sons Ltd on behalf of British Society for Neuroendocrinology.

Assessing efficiency and effectiveness of Malaysian Islamic banks: A two stage DEA analysis

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Kamarudin, Norbaizura; Ismail, Wan Rosmanira; Mohd, Muhammad Azri

2014-06-01

Islamic banks in Malaysia are indispensable players in the financial industry with the growing needs for syariah compliance system. In the banking industry, most recent studies concerned only on operational efficiency. However rarely on the operational effectiveness. Since the production process of banking industry can be described as a two-stage process, two-stage Data Envelopment Analysis (DEA) can be applied to measure the bank performance. This study was designed to measure the overall performance in terms of efficiency and effectiveness of Islamic banks in Malaysia using Two-Stage DEA approach. This paper presents analysis of a DEA model which split the efficiency and effectiveness in order to evaluate the performance of ten selected Islamic Banks in Malaysia for the financial year period ended 2011. The analysis shows average efficient score is more than average effectiveness score thus we can say that Malaysian Islamic banks were more efficient rather than effective. Furthermore, none of the bank exhibit best practice in both stages as we can say that a bank with better efficiency does not always mean having better effectiveness at the same time.

Concentration and Consolidation of the Romanian Bank System in the Reform and Transition Period to the Market Economy

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Crina Angela Copil

2015-01-01

Full Text Available The countries from Central and Eastern Europe that have at their basis the Soviet Union mode based on a planned economy, centralized, without modern bank institution, were submitted to a process of bank consolidation in the period of 1990-2000. Romania is also among these countries submitted to a diverse process of bank reform. This paper proposes to analyze the period of restructuring of the Romanian bank system, the way in which the process of bank reform was made, which is aligned to the other countries in the process of transitions and which determined the delay of this process, but also a decreased efficiency of the bank system and the loss of its role of engine of the enterprise restructuring. The bank system from Romania was developed during many years of transitions, period characterized by an unstable macroeconomic environment, bank management without a discipline in the activity developed, the increase of the portfolio of low performance credits, the consolidation of the bank system was made by the intrusion of the foreign capital was made by investments of greenfield type, by the bank privatization, that began after 1997, by the taking over of some existent banks by other large banks.

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 ...

The 1995 Georges Bank Stratification Study and Moored Array Measurements

National Research Council Canada - National Science Library

Alessi, C

2001-01-01

.... GLOBEC Northwest Atlantic/Georges Bank field program. The GBSS was designed to investigate the physical processes which control the seasonal development of stratification along the southern flank of Georges Bank during spring and summer...

Relationship Marketing Stage of Development in Romanian Banking Industry

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Alina Filip

2016-02-01

Full Text Available The paper emphasizes the relationship marketing stage of development within the banking industry in Romania, by identifying the extent to which business objectives and marketing strategies of companies are customer oriented. In order to achieve this aim a qualitative marketing research was conducted, by applying in-depth semi-structured interviews. The target group of the research consisted of nine banking companies, selected according to the market share, while the research participants were employees responsible for marketing, sales and customer relationship management activities. Due to respondents’ expertise, during the interviews could be applied mixed research methods in the process of data collection and subsequently, in data analysis. According to research objectives and results, although there is an increase in the importance of customer orientation within banking policies, the integration of relationship marketing optics at the institutional management level is facing a number of deficiencies, especially with regard to the concerns about employees’ satisfaction and loyalty or to the development of relationships with other stakeholders. The degree of satisfaction with the adoption of customer relationship management technology is relatively high among banks, being appreciated mainly those banking performance achieved in terms of retention rate, cross-selling and customer satisfaction. Most banks use the gross customer retention index as the main indicator of customer portfolio stability, although retention objectives tend to be set differently depending on customer value. Internal marketing strategies are developed around staff training processes, while performance evaluation criteria are rather specific to a transactional marketing approach. Results of the research provide clues on the relationship marketing processes and activities that need to be improved, in order to strengthen the current customer base and the competitive

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.

[The 2009 performance report of the German cornea banks].

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