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  1. Investing in Climate Change. Dutch Banks Compared

    International Nuclear Information System (INIS)

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

    2007-06-01

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

  2. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

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

    2001-01-01

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

  3. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    OpenAIRE

    Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.

    2014-01-01

    Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands. Participants: 251 Dutch food bank recipients participated in the study (93 men and 158 women). Inclusion criteria for participation were: (1) at least 18 years of age, (2) sufficiently fluent in Du...

  4. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    NARCIS (Netherlands)

    Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.

    2014-01-01

    Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands.

  5. Calibration of the Dutch-Flemish PROMIS Pain Behavior item bank in patients with chronic pain.

    Science.gov (United States)

    Crins, M H P; Roorda, L D; Smits, N; de Vet, H C W; Westhovens, R; Cella, D; Cook, K F; Revicki, D; van Leeuwen, J; Boers, M; Dekker, J; Terwee, C B

    2016-02-01

    The aims of the current study were to calibrate the item parameters of the Dutch-Flemish PROMIS Pain Behavior item bank using a sample of Dutch patients with chronic pain and to evaluate cross-cultural validity between the Dutch-Flemish and the US PROMIS Pain Behavior item banks. Furthermore, reliability and construct validity of the Dutch-Flemish PROMIS Pain Behavior item bank were evaluated. The 39 items in the bank were completed by 1042 Dutch patients with chronic pain. To evaluate unidimensionality, a one-factor confirmatory factor analysis (CFA) was performed. A graded response model (GRM) was used to calibrate the items. To evaluate cross-cultural validity, Differential item functioning (DIF) for language (Dutch vs. English) was evaluated. Reliability of the item bank was also examined and construct validity was studied using several legacy instruments, e.g. the Roland Morris Disability Questionnaire. CFA supported the unidimensionality of the Dutch-Flemish PROMIS Pain Behavior item bank (CFI = 0.960, TLI = 0.958), the data also fit the GRM, and demonstrated good coverage across the pain behavior construct (threshold parameters range: -3.42 to 3.54). Analysis showed good cross-cultural validity (only six DIF items), reliability (Cronbach's α = 0.95) and construct validity (all correlations ≥0.53). The Dutch-Flemish PROMIS Pain Behavior item bank was found to have good cross-cultural validity, reliability and construct validity. The development of the Dutch-Flemish PROMIS Pain Behavior item bank will serve as the basis for Dutch-Flemish PROMIS short forms and computer adaptive testing (CAT). © 2015 European Pain Federation - EFIC®

  6. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    Science.gov (United States)

    Neter, Judith E; Dijkstra, S Coosje; Visser, Marjolein; Brouwer, Ingeborg A

    2014-05-16

    To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. 11 of 135 Dutch food banks were selected throughout the Netherlands. 251 Dutch food bank recipients participated in the study (93 men and 158 women). Inclusion criteria for participation were: (1) at least 18 years of age, (2) sufficiently fluent in Dutch to participate in oral and written interviews, (3) recipient of a Dutch food bank for at least 1 month and (4) collect own food parcel at the food bank. A single member per household was included. Level of food security. The prevalence of food insecurity was 72.9% (N=183), of which 40.4% (N=74) reported very low food security. Of the very low food secure participants, 56.8% (N=42) reported they were ever hungry but did not eat because they could not afford enough food in the previous 3 months. Adjusted multinomial logistic regression analyses showed that households without children were less likely to experience low food security (OR 0.39 (95% CI 0.18 to 0.88)) and men (OR 0.24 (95% CI 0.11 to 0.51)) were less likely to experience very low food security, while low-educated recipients (OR 5.05 (95% CI 1.37 to 18.61)) were more likely to experience very low food security. Furthermore, recipients with high satisfaction with overall food intake (OR 0.46 (95% CI 0.27 to 0.78)), high perceived healthiness of overall food intake (OR 0.34 (95% CI 0.19 to 0.62)) or high self-efficacy of eating healthy (OR 0.62 (95% CI 0.40 to 0.96)) were less likely to experience very low food security. Our study showed high prevalence rates of food insecurity among Dutch food bank recipients, and identified subgroups at increased risk of food insecurity. More research is urgently needed on the underlying determinants of food insecurity and the effectiveness of food assistance by food banks. Published by the BMJ Publishing

  7. Investment in sustainable electricity production by Dutch banks. A case study for the Fair Bank Guide

    International Nuclear Information System (INIS)

    Van Gelder, J.W.; Kouwenhoven, D.

    2010-05-01

    This report contains the results of the second case study commissioned by the Fair Bank Guide on the financing practices of twelve investigated banks in the Netherlands. It has been examined which part of the investments in electricity generation by Dutch banks involves electricity generation from sustainable sources (sustainable electricity generation) [nl

  8. Dutch translation and cross-cultural adaptation of the PROMIS® physical function item bank and cognitive pre-test in Dutch arthritis patients.

    Science.gov (United States)

    Oude Voshaar, Martijn Ah; Ten Klooster, Peter M; Taal, Erik; Krishnan, Eswar; van de Laar, Mart Afj

    2012-03-05

    Patient-reported physical function is an established outcome domain in clinical studies in rheumatology. To overcome the limitations of the current generation of questionnaires, the Patient-Reported Outcomes Measurement Information System (PROMIS®) project in the USA has developed calibrated item banks for measuring several domains of health status in people with a wide range of chronic diseases. The aim of this study was to translate and cross-culturally adapt the PROMIS physical function item bank to the Dutch language and to pretest it in a sample of patients with arthritis. The items of the PROMIS physical function item bank were translated using rigorous forward-backward protocols and the translated version was subsequently cognitively pretested in a sample of Dutch patients with rheumatoid arthritis. Few issues were encountered in the forward-backward translation. Only 5 of the 124 items to be translated had to be rewritten because of culturally inappropriate content. Subsequent pretesting showed that overall, questions of the Dutch version were understood as they were intended, while only one item required rewriting. Results suggest that the translated version of the PROMIS physical function item bank is semantically and conceptually equivalent to the original. Future work will be directed at creating a Dutch-Flemish final version of the item bank to be used in research with Dutch speaking populations.

  9. Exporting climate change and environmental degradation. How Dutch public money is used to finance the oil industry

    International Nuclear Information System (INIS)

    Hamilton, J.; Stockman, L.; Muttitt, G.; Horta, K.; Kochladze, M.; Lisitsyn, D.; Barannikova, N.

    2005-06-01

    According to this report Dutch public money is being used to support oil production in developing countries through Multilateral Development Banks (MDBs) such as the World Bank and European Bank for Reconstruction and Development (EBRD), and other International Financial Institutions (IFIs) such as Atradius (the Dutch Export Credit Agency) and the European Investment Bank (EIB). The Dutch government contributes to MDBs in two ways: through financial contributions using public money and by voting on the boards of the banks. This report demonstrates the need for far greater parliamentary oversight over the Dutch role in MDBs to keep the use of Dutch public money in line with Dutch government policy. Three case studies illustrate that recent oil projects financed and supported by MDBs and other Dutch government departments are failing the poor and undermining national and international targets on development and climate change: the Cameroon Pipeline in West Africa; the Baku-T'bilisi-Ceyhan pipeline system in the South Caucasus and the Sakhalin-II Oil and Gas Project in far eastern Russia.

  10. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population.

    Science.gov (United States)

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-10-03

    Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this with dietary intake of a representative sample of the general population (Dutch National Food Consumption Survey (DNFCS-all): n = 1933), including a low-socioeconomic status (SES) sample (DNFCS-low SES: n = 312), using data from the DNFCS 2007-2010. In this cross-sectional study, 12 food banks throughout The Netherlands participated. Food bank recipients' characteristics were assessed with a self-administered questionnaire. Dietary intake data were collected through three 24-h recalls. Habitual dietary intake (mean, percentiles, and 95% CI) was estimated for all samples. Differences between samples were determined by comparing the 95% CIs. Mean age of the study population (62.9% female) was 48.6 years (SD:10.1). Mean energy intake was 1986 (95% CI 1830-2089) kcal. The majority of the Dutch food bank recipients had lower intakes than dietary reference intakes for dietary fiber, fruit, vegetables, and fish (range 86.6-99.3%), and a higher intake for saturated fat [88.1% (95% CI 84.1-98.9)]. Furthermore, mean intakes of energy, fiber, fruit, and vegetables were significantly lower in Dutch food bank recipients than in the DNFCS-all and the DNFCS-low-SES [e.g., daily mean fruit intake (g) food bank recipients 62.8 (95% CI 45.5-76.5), DNFCS-all 105.8 (95% CI 105.4-117.9), and DNFCS-low-SES 85.1 (95% CI 78.7-100.2)]. Fish intake was significantly lower compared with the DNFCS-all, but not compared with the DNFCS-low-SES. Dutch food bank recipients, who largely rely on the content of food parcels, are not able to meet the nutritional guidelines for a healthy diet, and their dietary intake is poorer than the general as well as the low-SES sample of the Dutch adult population

  11. Calibration and Validation of the Dutch-Flemish PROMIS Pain Interference Item Bank in Patients with Chronic Pain.

    Science.gov (United States)

    Crins, Martine H P; Roorda, Leo D; Smits, Niels; de Vet, Henrica C W; Westhovens, Rene; Cella, David; Cook, Karon F; Revicki, Dennis; van Leeuwen, Jaap; Boers, Maarten; Dekker, Joost; Terwee, Caroline B

    2015-01-01

    The Dutch-Flemish PROMIS Group translated the adult PROMIS Pain Interference item bank into Dutch-Flemish. The aims of the current study were to calibrate the parameters of these items using an item response theory (IRT) model, to evaluate the cross-cultural validity of the Dutch-Flemish translations compared to the original English items, and to evaluate their reliability and construct validity. The 40 items in the bank were completed by 1085 Dutch chronic pain patients. Before calibrating the items, IRT model assumptions were evaluated using confirmatory factor analysis (CFA). Items were calibrated using the graded response model (GRM), an IRT model appropriate for items with more than two response options. To evaluate cross-cultural validity, differential item functioning (DIF) for language (Dutch vs. English) was examined. Reliability was evaluated based on standard errors and Cronbach's alpha. To evaluate construct validity correlations with scores on legacy instruments (e.g., the Disabilities of the Arm, Shoulder and Hand Questionnaire) were calculated. Unidimensionality of the Dutch-Flemish PROMIS Pain Interference item bank was supported by CFA tests of model fit (CFI = 0.986, TLI = 0.986). Furthermore, the data fit the GRM and showed good coverage across the pain interference continuum (threshold-parameters range: -3.04 to 3.44). The Dutch-Flemish PROMIS Pain Interference item bank has good cross-cultural validity (only two out of 40 items showing DIF), good reliability (Cronbach's alpha = 0.98), and good construct validity (Pearson correlations between 0.62 and 0.75). A computer adaptive test (CAT) and Dutch-Flemish PROMIS short forms of the Dutch-Flemish PROMIS Pain Interference item bank can now be developed.

  12. Calibration and Validation of the Dutch-Flemish PROMIS Pain Interference Item Bank in Patients with Chronic Pain.

    Directory of Open Access Journals (Sweden)

    Martine H P Crins

    Full Text Available The Dutch-Flemish PROMIS Group translated the adult PROMIS Pain Interference item bank into Dutch-Flemish. The aims of the current study were to calibrate the parameters of these items using an item response theory (IRT model, to evaluate the cross-cultural validity of the Dutch-Flemish translations compared to the original English items, and to evaluate their reliability and construct validity. The 40 items in the bank were completed by 1085 Dutch chronic pain patients. Before calibrating the items, IRT model assumptions were evaluated using confirmatory factor analysis (CFA. Items were calibrated using the graded response model (GRM, an IRT model appropriate for items with more than two response options. To evaluate cross-cultural validity, differential item functioning (DIF for language (Dutch vs. English was examined. Reliability was evaluated based on standard errors and Cronbach's alpha. To evaluate construct validity correlations with scores on legacy instruments (e.g., the Disabilities of the Arm, Shoulder and Hand Questionnaire were calculated. Unidimensionality of the Dutch-Flemish PROMIS Pain Interference item bank was supported by CFA tests of model fit (CFI = 0.986, TLI = 0.986. Furthermore, the data fit the GRM and showed good coverage across the pain interference continuum (threshold-parameters range: -3.04 to 3.44. The Dutch-Flemish PROMIS Pain Interference item bank has good cross-cultural validity (only two out of 40 items showing DIF, good reliability (Cronbach's alpha = 0.98, and good construct validity (Pearson correlations between 0.62 and 0.75. A computer adaptive test (CAT and Dutch-Flemish PROMIS short forms of the Dutch-Flemish PROMIS Pain Interference item bank can now be developed.

  13. Knowledge and opinions about banking supervision : Evidence from a survey of Dutch households

    NARCIS (Netherlands)

    van der Cruijsen, C.; Jansen, D.J.; de Haan, J.; Mosch, R.H.J.

    What does the general public know about banking supervision? What objectives does the public think bank supervisors should pursue? We investigate these issues using a survey among Dutch households. First, we find that the public's knowledge about banking supervision is far from perfect. We also find

  14. The Dutch-Flemish PROMIS Physical Function item bank exhibited strong psychometric properties in patients with chronic pain.

    Science.gov (United States)

    Crins, Martine H P; Terwee, Caroline B; Klausch, Thomas; Smits, Niels; de Vet, Henrica C W; Westhovens, Rene; Cella, David; Cook, Karon F; Revicki, Dennis A; van Leeuwen, Jaap; Boers, Maarten; Dekker, Joost; Roorda, Leo D

    2017-07-01

    The objective of this study was to assess the psychometric properties of the Dutch-Flemish Patient-Reported Outcomes Measurement Information System (PROMIS) Physical Function item bank in Dutch patients with chronic pain. A bank of 121 items was administered to 1,247 Dutch patients with chronic pain. Unidimensionality was assessed by fitting a one-factor confirmatory factor analysis and evaluating resulting fit statistics. Items were calibrated with the graded response model and its fit was evaluated. Cross-cultural validity was assessed by testing items for differential item functioning (DIF) based on language (Dutch vs. English). Construct validity was evaluated by calculation correlations between scores on the Dutch-Flemish PROMIS Physical Function measure and scores on generic and disease-specific measures. Results supported the Dutch-Flemish PROMIS Physical Function item bank's unidimensionality (Comparative Fit Index = 0.976, Tucker Lewis Index = 0.976) and model fit. Item thresholds targeted a wide range of physical function construct (threshold-parameters range: -4.2 to 5.6). Cross-cultural validity was good as four items only showed DIF for language and their impact on item scores was minimal. Physical Function scores were strongly associated with scores on all other measures (all correlations ≤ -0.60 as expected). The Dutch-Flemish PROMIS Physical Function item bank exhibited good psychometric properties. Development of a computer adaptive test based on the large bank is warranted. Copyright © 2017 Elsevier Inc. All rights reserved.

  15. Dutch food bank parcels do not meet nutritional guidelines for a healthy diet.

    Science.gov (United States)

    Neter, Judith E; Dijkstra, S Coosje; Visser, Marjolein; Brouwer, Ingeborg A

    2016-08-01

    Nutritional intakes of food bank recipients and consequently their health status largely rely on the availability and quality of donated food in provided food parcels. In this cross-sectional study, the nutritional quality of ninety-six individual food parcels was assessed and compared with the Dutch nutritional guidelines for a healthy diet. Furthermore, we assessed how food bank recipients use the contents of the food parcel. Therefore, 251 Dutch food bank recipients from eleven food banks throughout the Netherlands filled out a general questionnaire. The provided amounts of energy (19 849 (sd 162 615) kJ (4744 (sd 38 866) kcal)), protein (14·6 energy percentages (en%)) and SFA (12·9 en%) in a single-person food parcel for one single day were higher than the nutritional guidelines, whereas the provided amounts of fruits (97 (sd 1441) g) and fish (23 (sd 640) g) were lower. The number of days for which macronutrients, fruits, vegetables and fish were provided for a single-person food parcel ranged from 1·2 (fruits) to 11·3 (protein) d. Of the participants, only 9·5 % bought fruits and 4·6 % bought fish to supplement the food parcel, 39·4 % used all foods provided and 75·7 % were (very) satisfied with the contents of the food parcel. Our study shows that the nutritional content of food parcels provided by Dutch food banks is not in line with the nutritional guidelines. Improving the quality of the parcels is likely to positively impact the dietary intake of this vulnerable population subgroup.

  16. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population.

    OpenAIRE

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-01-01

    Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this with dietary intake of a representative sample of the general population (Dutch National Food Consumption Survey (DNFCS-all): n = 1933), including a low-socioeconomic status (SES) sample (DNFCS-low SE...

  17. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population

    NARCIS (Netherlands)

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-01-01

    PURPOSE: Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare

  18. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population.

    NARCIS (Netherlands)

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-01-01

    Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this

  19. Calibration of the PROMIS physical function item bank in Dutch patients with rheumatoid arthritis.

    Directory of Open Access Journals (Sweden)

    Martijn A H Oude Voshaar

    Full Text Available OBJECTIVE: To calibrate the Dutch-Flemish version of the PROMIS physical function (PF item bank in patients with rheumatoid arthritis (RA and to evaluate cross-cultural measurement equivalence with US general population and RA data. METHODS: Data were collected from RA patients enrolled in the Dutch DREAM registry. An incomplete longitudinal anchored design was used where patients completed all 121 items of the item bank over the course of three waves of data collection. Item responses were fit to a generalized partial credit model adapted for longitudinal data and the item parameters were examined for differential item functioning (DIF across country, age, and sex. RESULTS: In total, 690 patients participated in the study at time point 1 (T2, N = 489; T3, N = 311. The item bank could be successfully fitted to a generalized partial credit model, with the number of misfitting items falling within acceptable limits. Seven items demonstrated DIF for sex, while 5 items showed DIF for age in the Dutch RA sample. Twenty-five (20% items were flagged for cross-cultural DIF compared to the US general population. However, the impact of observed DIF on total physical function estimates was negligible. DISCUSSION: The results of this study showed that the PROMIS PF item bank adequately fit a unidimensional IRT model which provides support for applications that require invariant estimates of physical function, such as computer adaptive testing and targeted short forms. More studies are needed to further investigate the cross-cultural applicability of the US-based PROMIS calibration and standardized metric.

  20. Investment in sustainable electricity production by Dutch banks. A case study for the Fair Bank Guide; Investeringen in duurzame elektriciteitsopwekking door Nederlandse banken. Een onderzoeksrapport voor de Eerlijke Bankwijzer

    Energy Technology Data Exchange (ETDEWEB)

    Van Gelder, J.W.; Kouwenhoven, D.

    2010-05-15

    This report contains the results of the second case study commissioned by the Fair Bank Guide on the financing practices of twelve investigated banks in the Netherlands. It has been examined which part of the investments in electricity generation by Dutch banks involves electricity generation from sustainable sources (sustainable electricity generation) [Dutch] Dit rapport bevat de resultaten van het tweede onderzoek in opdracht van de Eerlijke Bankwijzer naar de financieringspraktijk van twaalf onderzochte banken in Nederland. Hiermee is in kaart gebracht welk deel van de investeringen in elektriciteitsopwekking door de Nederlandse banken, betrekking heeft op elektriciteitsopwekking met behulp van duurzame energiebronnen ('duurzame elektriciteitsopwekking')

  1. Calibration of the PROMIS Physical Function Item Bank in Dutch Patients with Rheumatoid Arthritis

    NARCIS (Netherlands)

    Oude Voshaar, M.A.H.; ten Klooster, P.M.; Glas, C.A.W.; Vonkeman, H.E.; Taal, E; Krishnan, E.; Moens, H.J.B.; Boers, M.; Terwee, C.B.; van Riel, P.L.C.M.; van de Laar, M.A.F.J.

    2014-01-01

    Objective: To calibrate the Dutch-Flemish version of the PROMIS physical function (PF) item bank in patients with rheumatoid arthritis (RA) and to evaluate cross-cultural measurement equivalence with US general population and RA data. Methods: Data were collected from RA patients enrolled in the

  2. Assessment of the Dutch organ-culture system of corneal preservation within the Eye Bank of South Australia.

    Science.gov (United States)

    Williams, K A; Noack, L M; Alfrich, S J; Danz, R; Erickson, S A; Coster, D J

    1988-02-01

    Thirteen per cent of all corneas harvested by the Eye Bank of South Australia during 1986 were discarded because storage time in McCarey-Kaufman medium exceeded four days. We have therefore examined the suitability of the Dutch method of long-term corneal storage for our purposes. Twenty-two human corneas that had been discarded from the Eye Bank were assessed using the trypan blue-sucrose staining technique, and then placed into long-term storage for 15 to 17 days. They were then reassessed by vital dye staining before permanent flat-mounts were prepared for silver staining of the endothelium. A good correlation (albeit subjective) was found between the non-destructive and destructive techniques of endothelial cell assessment. Those corneas that failed to survive organ culture storage were easily detected. The Dutch system of corneal preservation and post-storage assessment seems well-suited to Australian eye-banking.

  3. Merger and Acquisition Activity as Driver of Spatial Clustering : The Spatial Evolution of the Dutch Banking Industry, 1850-1993

    NARCIS (Netherlands)

    Boschma, Ron; Hartog, Matté

    2014-01-01

    This article investigates the extent to which merger and acquisition (M&A) activity contributed to the spatial clustering of the Dutch banking industry in Amsterdam. This analysis is based on a unique database of all banks in the Netherlands that existed in the period 1850-1993. We found that

  4. Dutch-Flemish translation of nine pediatric item banks from the Patient-Reported Outcomes Measurement Information System (PROMIS)®.

    Science.gov (United States)

    Haverman, Lotte; Grootenhuis, Martha A; Raat, Hein; van Rossum, Marion A J; van Dulmen-den Broeder, Eline; Hoppenbrouwers, Karel; Correia, Helena; Cella, David; Roorda, Leo D; Terwee, Caroline B

    2016-03-01

    The Patient-Reported Outcomes Measurement Information System (PROMIS(®)) is a new, state-of-the-art assessment system for measuring patient-reported health and well-being of adults and children. It has the potential to be more valid, reliable, and responsive than existing PROMs. The items banks are designed to be self-reported and completed by children aged 8-18 years. The PROMIS items can be administered in short forms or through computerized adaptive testing. This paper describes the translation and cultural adaption of nine PROMIS item banks (151 items) for children in Dutch-Flemish. The translation was performed by FACITtrans using standardized PROMIS methodology and approved by the PROMIS Statistical Center. The translation included four forward translations, two back-translations, three independent reviews (at least two Dutch, one Flemish), and pretesting in 24 children from the Netherlands and Flanders. For some items, it was necessary to have separate translations for Dutch and Flemish: physical function-mobility (three items), anger (one item), pain interference (two items), and asthma impact (one item). Challenges faced in the translation process included scarcity or overabundance of possible translations, unclear item descriptions, constructs broader/smaller in the target language, difficulties in rank ordering items, differences in unit of measurement, irrelevant items, or differences in performance of activities. By addressing these challenges, acceptable translations were obtained for all items. The Dutch-Flemish PROMIS items are linguistically equivalent to the original USA version. Short forms are now available for use, and entire item banks are ready for cross-cultural validation in the Netherlands and Flanders.

  5. Ordering the preference hierarchies for internal finance, bank laons, bond and share issue: evidence from Dutch firms

    NARCIS (Netherlands)

    de Haan, L.; Hinloopen, J.

    2003-01-01

    We estimate the incremental financing decision for a sample of some 150 Dutch companies for the years 1984 through 1997, thereby distinguishing internal finance and three types of external finance: bank borrowing, bond issues, and share issues. First, we estimate a multinomial logit model, which

  6. Corporate Social Responsibility and Profitability: A Case Study on Dutch Bangla Bank Ltd.

    Directory of Open Access Journals (Sweden)

    Suraiya Mahbuba

    2013-07-01

    Full Text Available In Bangladesh, the banking sector has a glorious history of getting engaged themselves in different kinds of social activities which is formally known as CSR (Corporate Social Responsibilities. The paper examines the relationship between CSR and profitability of Dutch Bangla Bank Ltd (DBBL which is the initiator of CSR activities in the banking sector of Bangladesh. The study used annual reports of DBBL for the year 2002 to 2011. Ordinary least square (OLS model of regression was analyzed using SPSS 16. to assess the impact as well as test the hypothesis of the study whether there is a relationship and the extent of the relationship between the independent variable (corporate social responsibility expenditure and the dependent variable (profit after tax. Above all, the analysis revealed that 90.7% of the variance of profit after tax of DBBL has been explained by the benefit accrued from corporate social responsibility. The hypothesis that was formulated was tested and the result shows that there is significant positive relationship between corporate social responsibility and profitability in case of DBBL.

  7. A Practical Toolkit for Banks. Towards an Effective Climate Policy

    International Nuclear Information System (INIS)

    Verweij, M.; Klingers, J.

    2008-10-01

    This report investigates the shareholder voting of equity funds of the three major Dutch banks and of the asset managers of three Dutch pension funds. Specifically, it concerns voting on shareholder resolutions on climate change. The scope of the research includes 48 shareholder resolutions from the period 2006 until summer 2008 and concerning 28 U.S. and two Japanese companies. In these resolutions shareholders call on the companies to report on their carbon emissions, take climate-related measures, or to invest more in renewable energy. Practically every Dutch bank and pension fund publicly claims to be very concerned about climate change, and they report to varying extent on their efforts in this regard. However, in practice equity funds and asset managers frequently vote against climate resolutions or refrain from using their voting rights altogether [nl

  8. Some evidence on the relevance of bank behaviour for the lending channel in the Netherlands

    NARCIS (Netherlands)

    van Ees, H.; Sterken, E.; Garretsen, Harry

    This paper studies the behaviour of Dutch banks. We test the adjustment of banks' balance sheets in times of monetary policy changes during the period 1957-1991. As a reaction to a policy change, banks basically have two alternatives to adjust their net money creation: (1) sell securities in public

  9. The organisation and role of the Euro skin bank

    International Nuclear Information System (INIS)

    Van Baare, J.

    1999-01-01

    In the treatment of burns, either superficial or deep, partial or full thickness, where sufficient autograft is lacking, wound covering by fresh or stored allogencic human skin is currently preferred over the use of (bio-) synthetic dressings by most physicians involved in burn care. Several methods to preserve, store and provide sufficient quantities of allograft (homo- or xeno-) at any given time have been developed over the last decades and have been extensively documented. Skin banks differ in their mode of operation (local, regional, national and international) and the techniques applied for preservation and storage of human skin. The Dutch National Skin Bank was established in 1976 as a subsidiary to the Dutch Bums Foundation with no other goal than providing human allograft skin for the treatment of bum victims to the Red Cross Hospital Bum Unit and later to other Dutch bum centres and general hospitals. The initial preservation technique the skin bank used was cryopreservation. In 1984 there was an important change in the preservation technique. Based on literature high concentrations of glycerol were introduced to preserve human skin for long-term storage. Meanwhile, a gradual increase in the yearly number of skin donors from 1984 onwards was observed, and by 1989 regular requests from bum centres in other countries for glycerol preserved donor skin were received. In 1992 the skin bank changed their name into Euro Skin Bank to express their international collaboration. The Euro Skin Bank operates on a non-profit basis and was until recently dependent on financial support of the Dutch Bums Foundation. Due to the large amount of requests for donor skin, the Euro Skin Bank started to set up satellite skin banks in various European countries. With this initiative it was not only possible to help the specific countries to supply their own bum centres with allograft skin, but also an amount of skin was send back to the Euro Skin Bank in order to distribute the

  10. Mainstream and alternative sources of finance in Dutch agriculture

    NARCIS (Netherlands)

    Meulen, van der H.A.B.; Asseldonk, van M.A.P.M.

    2017-01-01

    In this paper mainstream and alternative sources of finance in
    Dutch agriculture is analysed. Dutch farmers make use of
    different sources of finance whereby bank loans continue to
    serve as the major source of debt financing. The average bank
    loan was approximately 740,000 euro per

  11. Seed bank characteristics of Dutch plant communities

    NARCIS (Netherlands)

    Bekker, RM; Schaminee, JHJ; Bakker, JP; Thompson, K

    With the recent appearances of a new and well-documented classification of the Dutch plant communities (Schaminee et al 1995a,b; 1996) and a database on the seed longevity of plant species of North West Europe (Thompson ct al. 1997a) it was possible to investigate patterns of seed longevity in Dutch

  12. 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...

  13. 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...

  14. Change management in bank M&A

    Directory of Open Access Journals (Sweden)

    Kontić Ljiljana

    2014-01-01

    Full Text Available This paper examines the issues of change management in merger and acquisitions (M&As using the mixed method research approach. The research setting consisted of a foreign bank that operates in Serbia. The main aim of this study is to examine willingness for change in bank M&A. The qualitative data about the bank were sourced from publicly available information about the bank. The standardized questionnaire is used to assess bank's willingness for change. Based on managers structure, the representative sample of middle managers has been interviewed in this study. The research findings revealed possible practical implementation of the questionnaire in the Serbian banking sector. The results revealed that changes in bank should be led top down. The findings add to the existing literature on success factors in cross-border mergers and acquisitions. The study limitation are suggested.

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. The Dutch Interbank Computer Network

    NARCIS (Netherlands)

    Michiels, E.F.

    1988-01-01

    At the end of 1980, a strategic decision was made by the Dutch banks and savings banks to commence the development of a Data Communications Infrastructure (DCI), to be used for a number of forthcoming interbank applications. It was agreed that this new data communications infrastructure should be

  1. 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...

  2. 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...

  3. 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...

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

    Science.gov (United States)

    2012-08-22

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

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

    Science.gov (United States)

    2013-07-22

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

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

    Science.gov (United States)

    2013-06-28

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

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

    Science.gov (United States)

    2012-09-06

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

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

    Science.gov (United States)

    2013-06-12

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

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

    Science.gov (United States)

    2013-08-13

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

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

    Science.gov (United States)

    2012-11-15

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

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

    Science.gov (United States)

    2013-03-01

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

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

    Science.gov (United States)

    2012-09-19

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

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

    Science.gov (United States)

    2013-10-03

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

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

    Science.gov (United States)

    2012-01-27

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

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

    Science.gov (United States)

    2012-11-05

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

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

    Science.gov (United States)

    2013-07-12

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

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

    Science.gov (United States)

    2012-06-21

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

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

    Science.gov (United States)

    2013-08-21

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

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

    Science.gov (United States)

    2012-05-29

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

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

    Science.gov (United States)

    2012-02-16

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

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

    Science.gov (United States)

    2013-10-15

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

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

    Science.gov (United States)

    2013-04-29

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

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

    Science.gov (United States)

    2013-12-19

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

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

    Science.gov (United States)

    2012-10-04

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

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

    Science.gov (United States)

    2012-03-22

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

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

    Science.gov (United States)

    2013-08-29

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

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

    Science.gov (United States)

    2013-07-29

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

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

    Science.gov (United States)

    2012-12-07

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

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

    Science.gov (United States)

    2012-01-17

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

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

    Science.gov (United States)

    2012-10-23

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

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

    Science.gov (United States)

    2012-06-11

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

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

    Science.gov (United States)

    2012-09-20

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

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

    Science.gov (United States)

    2012-06-06

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

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

    Science.gov (United States)

    2012-07-26

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

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

    Science.gov (United States)

    2013-07-02

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

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

    Science.gov (United States)

    2013-04-26

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

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

    Science.gov (United States)

    2012-12-06

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

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

    Science.gov (United States)

    2013-01-02

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

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

    Science.gov (United States)

    2013-05-10

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

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

    Science.gov (United States)

    2012-10-16

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

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

    Science.gov (United States)

    2012-04-02

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

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

    Science.gov (United States)

    2013-12-17

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

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

    Science.gov (United States)

    2013-08-15

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

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

    Science.gov (United States)

    2013-01-16

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

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

    Science.gov (United States)

    2012-05-10

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

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

    Science.gov (United States)

    2012-07-02

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

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

    Science.gov (United States)

    2013-01-17

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

  8. The World Bank and climate change

    International Nuclear Information System (INIS)

    Shih, W.-C.

    2000-01-01

    The reduction of greenhouse gas emissions is inextricably linked with economic and development policies. This raises the question, to what extent do the commitments to reduce carbon dioxide emissions under the Climate Change Convention affect the practices and policies of the World Bank? After briefly describing the interaction between climate change and economic development, as well as the respective instruments of the Climate Change Treaty and the World Bank, this paper identifies several windows through which the obligations set out by the Climate Change treaty affect the World Bank. These include the Global Environmentally Facility, the Operational Policies adopted by the Executive Directors of the World Bank, specific loan structures and conditions as well as the recent Prototype Carbon Fund. (Author)

  9. The Bank of Canada's Monetary Policy Framework; Have Recent Changes Enhanced Central Bank Credibility?

    OpenAIRE

    Takatoshi Ito; Brenda Gonzalez-Hermosillo

    1997-01-01

    In recent years the Bank of Canada has made important changes in the way it conducts monetary policy. In particular, the bank has adopted explicit inflation targets and introduced significant changes to its operational framework designed to increase transparency and reduce market uncertainty. This paper examines the key issues associated with the recent changes in the Bank of Canada’s monetary policy framework and analyzes various indicators of central bank credibility.

  10. 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...

  11. Design methodology of Dutch banknotes

    Science.gov (United States)

    de Heij, Hans A. M.

    2000-04-01

    Since the introduction of a design methodology for Dutch banknotes, the quality of Dutch paper currency has improved in more than one way. The methodology is question provides for (i) a design policy, which helps fix clear objectives; (ii) design management, to ensure a smooth cooperation between the graphic designer, printer, papermaker an central bank, (iii) a program of requirements, a banknote development guideline for all parties involved. This systematic approach enables an objective selection of design proposals, including security features. Furthermore, the project manager obtains regular feedback from the public by conducting market surveys. Each new design of a Netherlands Guilder banknote issued by the Nederlandsche Bank of the past 50 years has been an improvement on its predecessor in terms of value recognition, security and durability.

  12. Don't mind the ‘funding gap’: what Dutch post crisis storytelling tells us about elite politics in financialized capitalism

    NARCIS (Netherlands)

    Engelen, E.

    2015-01-01

    In this paper the lobbying efforts of the Dutch financial elite aimed at safeguarding the securitization of Dutch mortgages, which had become a crucial part of Dutch banking business models, is reconstructed, centred on the so-called Liquidity Coverage Ratio of the Basle Committee of Banking

  13. 78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-07

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

  14. The Changing role of agriculture in Dutch society

    NARCIS (Netherlands)

    Meerburg, B.G.; Korevaar, H.; Haubenhofer, D.K.; Blom, M.; Keulen, van H.

    2009-01-01

    Dutch agriculture has undergone significant changes in the past century, similar to many countries in the European Union. Due to economies of scale and in order to remain economically profitable, it became necessary for farmers to increase farm size, efficiency and external inputs, while minimizing

  15. Planning Change in an Organization; MCB Bank Limited, Pakistan

    OpenAIRE

    Fazal Haleem

    2015-01-01

    This paper is primarily based on a case study of a leading bank in Pakistan, that is, MCB Bank Ltd. Four established change models have been applied to the bank to find out how a change comes in/ is brought in, managed, and how it affects organizational environment and its stakeholders, particularly customers and employees. The four established change models applied are the change management approach by Ansoff and McDonnell; the change management model by Kurt Lewin; the 7S framework by Thoma...

  16. Change Management and Capacity Building for Regional Banking ...

    African Journals Online (AJOL)

    From the regulatory authorities led by the Central Bank of Nigeria (CBN), to each of the 25 banks that emerged, the successful conclusion of the first phase of banking reforms demonstrates a level of change management capacity deemed vital in successful corporate transformation. However, to successfully position ...

  17. The impact of liquidity regulation on bank intermediation

    NARCIS (Netherlands)

    Bonner, Clemens; Eijffinger, Sylvester C. W.

    We analyze the impact of a requirement similar to the Basel III Liquidity Coverage Ratio on the bank intermediation applying Regression Discontinuity Designs. Using a unique dataset on Dutch banks, we show that a liquidity requirement causes long-term borrowing and lending rates as well as demand

  18. The reasons for changes in the control of Dutch local government

    NARCIS (Netherlands)

    ter Bogt, H.J.; Haldma, T.

    2005-01-01

    The last fifteen years have seen a succession of changes in the management control of organizations in the Dutch local government sector, i.e. municipalities and provinces. These changes relate to, for example, organizational structures, financial management and human resources management, and also

  19. The changing 'soul' of Dutch policing: Responses to new security demands and the relationship with Dutch tradition

    NARCIS (Netherlands)

    Das, D.; Huberts, L.W.J.C.; van Steden, R.

    2007-01-01

    Purpose - The purpose of this paper is to address the changing organization and culture of the Dutch police over the last decade. Design/methodology/ approach - Drawing on personal observation, desk research and a survey among the police and administrative elite in The Netherlands, the paper

  20. 76 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-01

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in...) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Marci Johnson Shaw, Fairfield, Montana; to...

  1. 75 FR 79376 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-20

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in.... Cooper, all in Minneapolis, Minnesota; to each acquire voting shares of First Advantage Bancshares, Inc...

  2. 77 FR 4560 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-30

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Shattuck, Oklahoma. Board of Governors of the Federal Reserve System, January 24, 2012. Jennifer J. Johnson...

  3. 76 FR 67454 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-01

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Reserve System, October 27, 2011. Jennifer J. Johnson, Secretary of the Board. [FR Doc. 2011-28269 Filed...

  4. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... shareholder for various Johnson family trusts and companies all of Racine, Wisconsin, as a group acting in... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in...

  5. 77 FR 64338 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-19

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... of Charles M. Johnson, Sr., dated March 13, 2007, and Charles M. Johnson, Jr., individually and as...

  6. 77 FR 8258 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-14

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Governors of the Federal Reserve System, February 9, 2012. Jennifer J. Johnson, Secretary of the Board. [FR...

  7. 76 FR 81940 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-29

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... South LaSalle Street, Chicago, Illinois 60690-1414: 1. Helen P. Johnson-Leipold, Imogene P. Johnson, all...

  8. 77 FR 26280 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-03

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Governors of the Federal Reserve System, April 30, 2012. Jennifer J. Johnson, Secretary of the Board. [FR...

  9. 77 FR 42312 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-18

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Lynnwood, Washington. Board of Governors of the Federal Reserve System, July 13, 2012. Jennifer J. Johnson...

  10. Planning Change in an Organization; MCB Bank Limited, Pakistan

    Directory of Open Access Journals (Sweden)

    Haleem Fazal

    2015-05-01

    Full Text Available This paper is primarily based on a case study of a leading bank in Pakistan, that is, MCB Bank Ltd. Four established change models have been applied to the bank to find out how a change comes in/ is brought in, managed, and how it affects organizational environment and its stakeholders, particularly customers and employees. The four established change models applied are the change management approach by Ansoff and McDonnell; the change management model by Kurt Lewin; the 7S framework by Thoman J. Peters and Robert H. Waterman; and the change management model developed by Stephanie Elam. The study covers a change management aspect such as strategic intervention technique; a need for change management; resource implication; planning change; strategies in change management; system effectiveness; managing resistance to change; leadership issues; cultural issues; people issues; external environment issues; workable approach to overcome change resistance; appropriate model and implementing the model.

  11. Risk-oriented banking supervision: understanding change of course

    Directory of Open Access Journals (Sweden)

    Vlasov K. A.

    2017-11-01

    Full Text Available in this article the existing model of national bank supervision, its substantial party are considered. By means of the legal analysis and comparative jurisprudence foreign models of bank supervision, the international standards of the «soft» right are investigated, the analysis of an opportunity and positive sides of change of approach of the operating bank supervision to substantial (risk-focused is made.

  12. Two decades of change in Dutch university art libraries

    NARCIS (Netherlands)

    Versteeg, M.

    2009-01-01

    In 1987 Chris Smeenk wrote in this journal about the libraries of the Dutch art historical institutes. In the 22 years that have since passed many changes have occurred, perhaps most notably the merging of the many autonomous institute libraries into larger ones. Has this led to a more professional

  13. 78 FR 19708 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-02

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... South LaSalle Street, Chicago, Illinois 60690-1414: 1. The Exempt Family Trust u/a Imogene P. Johnson...

  14. [Wide support for oocyte donation and banking in the Netherlands].

    Science.gov (United States)

    Bos, Annelies M E; Klapwijk, Petra; Fauser, Bart C J M

    2012-01-01

    To assess the general consensus on the cryopreservation of oocytes and the introduction of oocyte banking facilities in the Netherlands. Poll investigation A poll with the use of an online questionnaire was conducted among nearly 19,000 participants of the Dutch EenVandaag opinion panel in May 2011. The poll results were adjusted to the Dutch population based on data from the Dutch Central Office for Statistics for age, gender, education, marital status, geographical area and political preference (measured according to the lower house elections of 2010). The primary endpoints were the percentages of supporters of oocyte freezing for own future use and of the concept of introducing oocyte banking facilities in The Netherlands. The secondary endpoints were the demographic differences between supporters and opponents. Approximately half of 18.911 participants supported oocyte freezing (47%). Fifty-percent of all participants supported oocyte banking in the Netherlands. Supporters of oocyte freezing were mainly women ≤ 45 years of age, who are highly educated and have no children. Four percent of the participating women aged ≤ 45 years would seriously consider obtaining donor oocytes from an available oocyte banking facility. Twelve percent of the participating women ≤ 45 years of age said they would definitely donate their oocytes or would seriously consider donating. Thirty-seven percent of all participants were against the introduction of oocyte banking facilities. The most important arguments against oocyte freezing were that women should reproduce during normal reproductive years and that it was not medically necessary. Poll results showed much support for oocyte freezing and for the introduction of oocyte banking facilities in the Netherlands. In addition, the poll shows that oocyte banking facilities would fulfil a need in the population.

  15. Robust Estimation of Productivity Changes in Japanese Shinkin Banks

    Directory of Open Access Journals (Sweden)

    Jianzhong DAI

    2014-05-01

    Full Text Available This paper estimates productivity changes in Japanese shinkin banks during the fiscal years 2001 to 2008 using the Malmquist index as the measure of productivity change. Data envelopment analysis (DEA is used to estimate the index. We also apply a smoothed bootstrapping approach to set up confidence intervals for estimates and study their statistical characteristics. By analyzing estimated scores, we identify trends in productivity changes in Japanese shinkin banks during the study period and investigate the sources of these trends. We find that in the latter half of the study period, productivity has significantly declined, primarily because of deterioration in technical efficiency, but scale efficiency has been significantly improved. Grouping the total sample according to the levels of competition reveals more details of productivity changes in shinkin banks.

  16. Marine fauna of hard substrata of the Cleaver bank and Dogger bank

    NARCIS (Netherlands)

    Schrieken, N.; Gittenberger, A.; Coolen, J.W.P.; Lengkeek, W.

    2013-01-01

    As most of the sea bottom in the Dutch part of the North Sea consists of sand, marine fauna that live in association with hard substrates are rarely monitored. We report here on the results of a species inventory in June 2011 done by scuba-diving while focusing on a wreck on the Dogger Bank and on

  17. Marine fauna of hard substrata of the Cleaver Bank and Dogger Bank

    NARCIS (Netherlands)

    Schrieken, N.; Gittenberger, A.; Coolen, J.W.P.; Lengkeek, W.

    2013-01-01

    As most of the sea bottom in the Dutch part of the North Sea consists of sand, marine fauna that live in association with hard substrates are rarely monitored. We report here on the results of a species inventory in June 2011 done by scuba-diving while focusing on a wreck on the Dogger Bank and on

  18. Financial Crisis and Changes in Management Controls in Banks

    DEFF Research Database (Denmark)

    Rikhardsson, Pall; Rohde, Carsten; Christensen, Leif

    requirements. Risk management, compliance and internal auditing were relatively mature processes in the Danish banks before the crisis, and the adjustments required to adapt to changed compliance requirements were less extensive. Management controls in general seem to play a critical role in responding......The financial crisis of 2008 hit banks in Iceland and Denmark with different intensity. There was a difference in how management controls changed in response to the crisis. Icelandic banks redefined cultural controls, introducing new values as a “clean break” with the banks’ pre-2008 practices....... They formalised their risk management, compliance and internal auditing practices, and hired more employees to perform these functions. Further, they strengthened and formalised their policies and procedures to ensure consistent practices. The Danish banks adapted their administrative controls to new regulatory...

  19. 77 FR 65690 - Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding...

    Science.gov (United States)

    2012-10-30

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies; Correction This notice corrects a notice (FR Doc. 2012-26297) published on page 65190 of the issue for Thursday, October 25, 2012. Under the Federal Reserve Bank of Dallas heading, the entry for Bryon Dirk Bagenstos,...

  20. 77 FR 21100 - Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding...

    Science.gov (United States)

    2012-04-09

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies; Correction This notice corrects a notice (FR Doc. 2012-7210) published on page 17478 of the issue for Monday, March 26, 2012. Under the Federal Reserve Bank of Richmond heading, the entry for U.S. Immigration Investment...

  1. 78 FR 2996 - Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding...

    Science.gov (United States)

    2013-01-15

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies; Correction Correction This notice corrects a notice (FR Doc. 2013-00331) published on page 2273 of the issue for Thursday, January 10, 2013. Under the Federal Reserve Bank of Kansas City heading, the entry for Whitewater...

  2. 78 FR 62633 - Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding...

    Science.gov (United States)

    2013-10-22

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies; Correction This notice corrects a notice (FR Doc. 2013-24477) published on page 62333 of the issue for Thursday, October 17, 2013. Under the Federal Reserve Bank of Minneapolis heading, the entry for Karen Neidhardt, Tamp...

  3. AUTOMATION AND TECHNOLOGICAL CHANGE IN BANKING.

    Science.gov (United States)

    STEINER, CARL L.

    THE PURPOSES OF THIS STUDY WERE TO DETERMINE THE PERSONNEL CHANGE DIRECTLY RESULTING FROM THE INSTALLATION OF ELECTRONIC DATA PROCESSING IN ONE OF THE LARGE COMMERCIAL BANKS IN BALTIMORE, TO DESCRIBE THE PROCESSES AND JOB DUTIES INVOLVED, AND TO INDICATE HOW CHANGES HAVE AFFECTED EMPLOYMENT AND WHAT MAY BE EXPECTED IN THE FUTURE. THE USE OF THE…

  4. 78 FR 57853 - Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding...

    Science.gov (United States)

    2013-09-20

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Formations of, Acquisitions by, and Mergers of Bank Holding Companies; Correction This notice corrects a notice (FR Doc. 2013-22047) published on pages 55716 and 55717 of the issue for Wednesday, September 11, 2013. Under the Federal Reserve Bank of New York heading, the entry for Donald J....

  5. Beyond the Dutch Miracle? Challenges to and Responses of the Dutch Welfare System

    NARCIS (Netherlands)

    van Gerven-Haanpää, Minna Marja-Leena; Schubert, Klaus; de Villota, Paloma; Kuhlmann, Johanna

    2016-01-01

    This chapter explores how the Dutch welfare system has evolved in the last decade(s). It shows that the economic crisis and the process of demographic change have put the Dutch welfare system to the test. The surmounting pressures from 2007 onwards have revealed structural problems of the Dutch

  6. Validation of the PROMIS Sleep Disturbance and Sleep-Related Impairment item banks in Dutch adolescents.

    Science.gov (United States)

    van Kooten, Jojanneke A M C; van Litsenburg, Raphaёle R L; Yoder, Whitney R; Kaspers, Gertjan J L; Terwee, Caroline B

    2018-04-16

    Sleep problems are common in adolescents and have a negative impact on daytime functioning. However, there is a lack of well-validated adolescent sleep questionnaires. The Patient-Reported Outcomes Measurement Information System (PROMIS) Sleep Disturbance and Sleep-Related Impairment item banks are well-validated instruments developed for and tested in adults. The aim of this study was to evaluate their structural validity in adolescents. Test and retest data were collected for the Dutch-Flemish V1.0 PROMIS Sleep Disturbance (27) and Sleep-Related Impairment (16 items) item banks from 1046 adolescents (11-19 years). Cross-validation methods, Confirmatory (CFA), and Exploratory Factor Analyses (EFA) were used. Fit indices and factor loadings were used to improve the models. The final models were assessed for model fit using retest data. The one-factor Sleep Disturbance (CFI = 0.795, TLI = 0.778, RMSEA = 0.117) and Sleep-Related Impairment (CFI = 0.897, TLI = 0.882, RMSEA = 0.156) models could not be replicated in adolescents. Cross-validation resulted in a final Sleep Disturbance model of 23 and a Sleep-Related Impairment model of 11 items. Retest data CFA showed adequate fit for the Sleep-Related Impairment-11 (CFI = 0.981, TLI = 0.976, RMSEA = 0.116). The Sleep Disturbance-23 model fit indices stayed below the recommended values (CFI = 0.895, TLI = 0.885, RMSEA = 0.105). While the PROMIS Sleep Disturbance-23 for adolescents and PROMIS Sleep-Related Impairment-11 for adolescents provide a framework to assess adolescent sleep, additional research is needed to replicate these findings in a larger and more diverse sample.

  7. Seasonal and long-term changes in pH in the Dutch coastal zone

    Directory of Open Access Journals (Sweden)

    P. Provoost

    2010-11-01

    Full Text Available Recent observations and modelling studies suggest that biogeochemical changes can mask atmospheric CO2-induced pH decreases. Data collected by the Dutch monitoring authorities in different coastal systems (North Sea, Wadden Sea, Ems-Dollard, Eastern Scheldt and Scheldt estuary since 1975 provide an excellent opportunity to test whether this is the case in the Dutch coastal zone. The time-series were analysed using Multi-Resolution Analysis (MRA which resulted in the identification of system-dependent patterns on both seasonal and intra-annual time scales. The observed rates of pH change greatly exceed those expected from enhanced CO2 uptake, thus suggesting that other biogeochemical processes, possibly related to changes in nutrient loading, can play a dominant role in ocean acidification.

  8. German financial media's responsiveness to Deutsche Bank's cultural change

    NARCIS (Netherlands)

    Strauß, N.

    2015-01-01

    Based on first-order and second-order agenda building theory, this study analyzes the responsiveness of German financial media to frames of the "cultural change" proclaimed in the banking industry, exemplified by Deutsche Bank. Findings suggest a difference between the two major German financial

  9. Veranderingen in houdingen van Nederlanders ten opzichte van de Europese Unie [Changes in Dutch attitudes towards the European Union

    NARCIS (Netherlands)

    Huijts, T.H.M.; Graaf, N.D. de

    2007-01-01

    For decades, the Dutch were seen as relatively positive towards the European Union. However, in 2005 a majority of the Dutch population voted against the proposed European Constitution. Therefore, in this article we examine to what extent the Dutch ‘no’ marks a sudden change in attitudes, or is

  10. Sustainability and Readiness for Change: Insights from a Banking Case Study in Serbia

    Directory of Open Access Journals (Sweden)

    Ljiljana Kontic

    2012-06-01

    Full Text Available This paper examines the issues of sustainable banking and readiness for change using the mixed methods research approach. The research setting consisted of an international bank which operates in Serbia. Serbia is one of Western Balkan countries. The concept of sustainability is well explored in developed countries. The financial institutions from Serbia have not been included in those studies. This paper suggests key issues which need to be addressed related to the sustainability and change in the banking sector in Serbia. The main aim of this study is to assess sustainability and readiness for change in transition environment. This paper contributes to the existing literature by assessing readiness for change in selected bank. Regarding different characteristics of national cultures, the construct validity of research methodology developed in one society will be investigated for a Serbian sample. The qualitative data about sustainability were sourced from publicly available information about bank. The Organizational Diagnosis Questionnaire (ODQ developed by Preziosi (1980 is used to assess the bank's readiness for change. The sample consisted of 137 managers different socio demographic variables from bank. The research findings revealed possible practical implementation of ODQ in Serbia. The sustainable attitude of the bank is rewarded by different organizations in Serbia. The results revealed that changes in the bank should be led top down. The findings add to the existing literature on factors causing organizational effectiveness in cross-cultural organizational contexts. The practical implementation and study limitation are suggested.

  11. A longitudinal approach to changes in the motivation of dutch pharmacists in the current continuing education system

    NARCIS (Netherlands)

    Sharon, L.; de Boer, Anthonius; Croiset, Gerda; Kusurkar, Rashmi A; Koster, Andries S.

    Objective. To explore the changes in motivation of Dutch pharmacists for Continuing Education (CE) in the Dutch CE system. Methods. Pharmacists’ motivation was measured across three time points with the Academic Motivation Scale, based on the Self-Determination Theory of motivation. The Latent

  12. A Longitudinal Approach to Changes in the Motivation of Dutch Pharmacists in the Current Continuing Education System.

    Science.gov (United States)

    Tjin A Tsoi, Sharon L; de Boer, Anthonius; Croiset, Gerda; Kusurkar, Rashmi A; Koster, Andries S

    2018-03-01

    Objective. To explore the changes in motivation of Dutch pharmacists for Continuing Education (CE) in the Dutch CE system. Methods. Pharmacists' motivation was measured across three time points with the Academic Motivation Scale, based on the Self-Determination Theory of motivation. The Latent Growth Modelling technique was used to analyze these data. Results. Over a period of 21 months, Controlled Motivation had increased and Relative Autonomous Motivation of Dutch pharmacists had decreased. Traineeship was the only demographic factor with a significant influence on the change in motivation. No subgroups with different trajectories could be identified. Conclusion. Relative Autonomous Motivation of Dutch pharmacists for CE decreases over time. This indicates a loss of Autonomous Motivation ("good" motivation) in favor of Controlled Motivation ("bad" motivation). Further research needs to be conducted to gain a better understanding of the association between pharmacist motivation and the features of the current CE system.

  13. Online public response to Dutch news about money laundering

    NARCIS (Netherlands)

    Veul, Romy; van Charldorp, T.C.; Soudijn, Melvin

    2016-01-01

    In this paper we analyze how Dutch Public Prosecution’s press releases about money laundering and underground banking are received by producers and consumers of online news reports. First we take a closer look at how journalists (re)framed six official press releases in 75 news reports. It turns out

  14. 12 CFR 250.181 - Reports of change in control of bank management incident to a merger.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Reports of change in control of bank management... change in control of bank management incident to a merger. (a) A State member bank has inquired whether Pub. L. 88-593 (78 Stat. 940) requires reports of change in control of bank management in situations...

  15. THE POLITICS OF BANKING: GLOBALISATION AND DOMESTIC POLICY CHANGE

    OpenAIRE

    Sukarman, Widigdo

    2015-01-01

    The current article aims to elaborate on the history of bank policy modifications as a response towards economic and financial change, mainly due to globalisation. The centralstatus of banks in the economy causes a need for the government to protect it in many forms that differ from one country to another. Bank policy makers that are closed oresoteric and are short-lived must be opened up to be able to receive long term ideas. The process is also marked intensively with competing interests be...

  16. A change of direction in the Dutch health care system?

    Science.gov (United States)

    Lapré, R M

    1988-08-01

    The Dutch health care system seems to be undergoing a clear change of direction. The publication of the Report of the Committee of the Structure and Financing of the Health Care System is a prominent document which marks the emergence of a new trend. After an analysis of the characteristics of the Dutch health care system in the periods 1960-1975 and 1975-1985, an account is given of the most important proposals of the committee. The proposals clearly alter the trend towards more governmental involvement. They envisage a more market-oriented approach and freedom of operation while at the same time paying attention to aspects such as solidarity and social justice. The Committee's suggestions include the introduction of a basic insurance scheme for every citizen with a coverage determined by law, and in addition a voluntary supplementary insurance scheme in which the insured can decide what coverage he requires and that the insurer is obliged to accept him. The fact that there is a certain amount of agreement, at least over the direction that the strategy for change should take, justifies the expectation that many of the committee's proposals will be implemented.

  17. the dutch crisis and recovery act: economic recovery and legal crisis

    African Journals Online (AJOL)

    Jonathan

    THE DUTCH CRISIS AND RECOVERY ACT: ECONOMIC RECOVERY AND. LEGAL CRISIS? J Verschuuren. 1 Introduction. Throughout the world, governments are responding to the financial and economic crisis. Such responses vary from supporting the banking system to adopting economic stimulus packages. The latter ...

  18. Have European Banks Actually Changed Since the Start of the Crisis?

    NARCIS (Netherlands)

    Bertay, A.C.; Huizinga, Harry

    This paper documents trends in key bank variables over the 2003-2013 period for the set of banks that the ECB directly supervises as of January 30, 2015. This time period enables us to see how the crisis has affected the banks, and also how they have changed since the crisis. A range of variables is

  19. Electricity in flux : sociotechnical change in the Dutch electricity system, 1970-2000

    NARCIS (Netherlands)

    Hofman, Peter; Marquart, N.E.

    2001-01-01

    This report is part of a project funded by the Dutch National Research Programme on Global Air Pollution and Climate Change (NRP) called MATRIC: Management of Technology Responses to the Climate Challenge. Central to the Matric project is the question "How to modulate the ongoing dynamics of

  20. Bank liquidity risk management: A South African survey to determine future change

    Directory of Open Access Journals (Sweden)

    S. Claassen

    2012-09-01

    Full Text Available In 2008 the global financial system and, more particularly, the world banking system suffered a financial crisis worse than any earlier crises. The financial crunch brought to light that liquidity risk management in banks poses a problem, and that the world’s financial institutions will have to change their current practices as it relates to this risk. Apart from the importance of liquidity and the risk that it may cause, the integrated nature of all risks made banks more aware of the fact that none of these risks can be managed in isolation. For various reasons, South African banks were not as exposed to the problems experienced in the global context. However, SA banks may have learned new lessons from the crisis and may plan to change the way they manage liquidity risk in particular, in the future. In order to determine how SA banks perceive liquidity management and liquidity risk, a survey of all SA banks was carried out. The majority of respondents indicated that the financial crisis reminded them of the importance of liquidity risk management in the South African banking system as well as the global banking system. The majority of banks rate all the liquidity risk management tools as extremely important and rate corporate governance, strategy, policy and risk tolerance, liquidity risk measurement and intra-day liquidity as their number one priority. Basel III is generally perceived as being effective, but 30% of respondents perceived it as neither effective nor ineffective, because South African banks already have similar measures in place

  1. Seasonal and long-term changes in pH in the Dutch coastal zone

    NARCIS (Netherlands)

    Provoost, P.; van Heuven, S.; Soetaert, K.; Laane, R. W. P. M.; Middelburg, J. J.

    2010-01-01

    Recent observations and modelling studies suggest that biogeochemical changes can mask atmospheric CO(2)-induced pH decreases. Data collected by the Dutch monitoring authorities in different coastal systems (North Sea, Wadden Sea, Ems-Dollard, Eastern Scheldt and Scheldt estuary) since 1975 provide

  2. Emotional intelligence and successful change management in the Nigerian banking industry

    Directory of Open Access Journals (Sweden)

    John N. N. Ugoani

    2017-06-01

    Full Text Available Successful organizational change requires a supportive culture and competence development driven by exceptional leadership that can influence business strategy in allocating financial, human and material resources, processes and systems that focus on collaborative imperatives. Change management is the lubricant that oils the wheels of organizations in the race for competitive advantage. Many organizational change efforts face resistance mainly because of the method of implementation. Change Management involves the ability to communicate, influence, collaborate and work in harmony with colleagues. Emotional intelligence competencies allow organizational members to acknowledge the need for change, remove barriers, and enlist others in pursuit of new initiatives aimed at organizational success. Beginning in the late 1990s, banks in Nigeria embarked on change management through BPR that involved emotional intelligence competencies which saw the banking industry’s shareholders’ funds rising from minus N792m in 1996 to N1,935bn in 2011. The survey research design was used for the study, and data were analyzed to demonstrate the relationship between emotional intelligence and successful change management. It was found that EI has strong positive relationship with successful change management in the Nigerian banking industry.

  3. An international scorecard for measuring bank performance: The case of Dutch banks

    OpenAIRE

    J.W.B. Bos; J.A.J. Draulans; D. van den Kommer; B.A. Verhoef

    2006-01-01

    Measuring bank performance solely on the basis of profitability conveys significant information about past performance, but may provide little information about expectations for future performance. Therefore, this paper relies on a much broader definition of performance and introduces a scorecard where performance is measured on the basis of four performance criteria: (i) profitability; (ii) risk; (iii) market power, and (iv) efficiency. We use this scorecard to compare the performance of maj...

  4. Seasonal and long-term changes in pH in the Dutch coastal zone

    NARCIS (Netherlands)

    Provoost, P.; Van Heuven, S.; Soetaert, K.E.R.; Laane, R.W.P.M.; Middelburg, J.J.

    2010-01-01

    Recent observations and modelling studies suggest that biogeochemical changes can mask atmospheric CO2-induced pH decreases. Data collected by the Dutch monitoring authorities in different coastal systems (North Sea, Wadden Sea, Ems-Dollard, Eastern Scheldt and Scheldt estuary) since 1975 provide an

  5. Molecular genetic analysis of black poplar (Populus nigra L.) along Dutch rivers

    NARCIS (Netherlands)

    Arens, P.; Coops, H.; Jansen, J.; Vosman, B.

    1998-01-01

    The genetic structure of remaining black poplar (Populus nigra) trees on the banks of the Dutch Rhine branches was investigated using the AFLP technique. In total, 143 trees, including one P. deltoides and some P. x euramericana, were analysed using six AFLP primer combinations which generated 319

  6. Changes in Student Populations and Average Test Scores of Dutch Primary Schools

    Science.gov (United States)

    Luyten, Hans; de Wolf, Inge

    2011-01-01

    This article focuses on the relation between student population characteristics and average test scores per school in the final grade of primary education from a dynamic perspective. Aggregated data of over 5,000 Dutch primary schools covering a 6-year period were used to study the relation between changes in school populations and shifts in mean…

  7. Economic and environmental consequences of technical and institutional change in Dutch dairy farming.

    NARCIS (Netherlands)

    Berentsen, P.B.M.; Giesen, G.W.J.; Renkema, J.A.

    1997-01-01

    A linear programming model of a dairy farm was used to explore the future for different types of Dutch dairy farms under different scenarios. The scenarios are consistent sets of changing factors that are considered external at farm level. The factors included are technical, such as efficiency of

  8. Do Banks Influence the Capital Structure Choices of Firms?

    NARCIS (Netherlands)

    P. Daniševská (Petra); A. de Jong (Abe); M.J.C.M. Verbeek (Marno)

    2004-01-01

    textabstractThis paper investigates three capital structure decisions – leverage, debt maturity and the source of debt – in a simultaneous setting. Moreover, we investigate whether these choices are influenced by the involvement of banks in a firm. Our results based on a panel of Dutch firms show

  9. Bankers Focus on Clients – But What Do Banks Do? : Report of the Dutch banking culture survey 2014

    NARCIS (Netherlands)

    I.P. van Staveren (Irene); R. van Tilburg (Rens)

    2015-01-01

    markdownabstractBank employees in the Netherlands want to focus on clients and the interests of their clients. But they feel constrained to do so by the dominant banking culture. They have low trust in their employers, they feel not motivated by the targets they are required to meet, and they

  10. 75 FR 69666 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-15

    ... Memorial Drive, Kansas City, Missouri 64198-0001: 1. Kenneth L. Morrison, Hastings, Nebraska; to acquire... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... paragraph 7 of the Act (12 U.S.C. 1817(j)(7)). The notices are available for immediate inspection at the...

  11. 76 FR 32361 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-06

    ... Memorial Drive, Kansas City, Missouri 64198-0001: 1. Teresa L. Keslar, Beatrice, Nebraska, to acquire... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... paragraph 7 of the Act (12 U.S.C. 1817(j)(7)). The notices are available for immediate inspection at the...

  12. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-05

    ... Memorial Drive, Kansas City, Missouri 64198-0001: 1. Gerald L. Lentfer, Firth, Nebraska; Steven J. Miller... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... paragraph 7 of the Act (12 U.S.C. 1817(j)(7)). The notices are available for immediate inspection at the...

  13. 76 FR 20986 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-14

    ... Memorial Drive, Kansas City, Missouri 64198-0001: 1. Mark T. Mowat, Omaha, Nebraska, as a member of a group... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... paragraph 7 of the Act (12 U.S.C. 1817(j)(7)). The notices are available for immediate inspection at the...

  14. 76 FR 14972 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-18

    ... Memorial Drive, Kansas City, Missouri 64198-0001: 1. Russell W. Blaha, Ord, Nebraska, to acquire control of... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... paragraph 7 of the Act (12 U.S.C. 1817(j)(7)). The notices are available for immediate inspection at the...

  15. The Implementation of the AIFMD in Dutch Tax Law

    NARCIS (Netherlands)

    Vermeulen, H.; Elink Schuurman, J.H.

    2014-01-01

    In this article, the authors explain the amendments to Dutch tax law as a result of the recent implementation of the Alternative Investment Fund Managers Directive. Changes were made to the Dutch Corporate Income Tax Act, the Dutch Dividend Withholding Tax Act and the Dutch General Tax Act. Given

  16. How customer satisfaction changes behavior: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Hossein Vazifedoost

    2013-06-01

    Full Text Available An increase on competition industry from one side and the need for customer retention on the other side in banking industry create necessary motivation to learn more about customer behavior. This paper investigated the relationship between seven perspectives of banking services and customers’ attitude towards changing behavior. The seven perspectives included how bank employees’ treat customers, service prices, how to promote and market synergies, place and time to serve customers, products, equipment and process. The proposed study was implemented in two Iranian banks called Mellat and Tejarat in city of Tehran, Iran. The results indicated that all components except one case, which was “how to promote and market synergies” had meaningful and negative relationship with customer behavior.

  17. Is change in health behavior of Dutch medical students related to change in their ideas on how a physician's lifestyle influences their patient's lifestyle?

    NARCIS (Netherlands)

    Ketelaar, Sarah M.; Frings-Dresen, Monique H. W.; Sluiter, Judith K.

    2014-01-01

    A change of medical students' health behavior over time may be related to a change in their opinion regarding the relationship between physicians' own health behavior and effective healthy lifestyle counseling in patients. To investigate Dutch medical students' (1) change of health behavior over

  18. Renewable portfolio standard and certificates trading on the Dutch electricity market

    International Nuclear Information System (INIS)

    Drillsch, J.

    2001-01-01

    In 1996, the Dutch distribution companies signed a voluntary agreement to reduce CO 2 emissions. As one element of the agreement a renewable portfolio standard (RPS) for the electricity distribution companies with certificates trading was introduced (green label system). The analysis reveals that the total volume of the obligation (3%) can be considered as modest. In addition, it seems more appropriate to replace the distribution companies' current monopoly for the issuing of the certificates by an independent institution. A flexibility mechanism (e.g., a certificates' banking system), which prevents high volatilities in the certificates' market price, and a clear sanction mechanism is needed. A drawback of the current Dutch system is the discriminatory financing of the RPS, which is only provided by MAP tariff customers. Nevertheless, the Dutch RPS may induce an efficient allocation of financial means to support renewable energies. It provides valuable experiences in the functioning of the new system, from which other countries may gain. (author)

  19. Changing concerns of beginning Dutch university teachers

    NARCIS (Netherlands)

    van den Bos, Paul

    2017-01-01

    Purpose: The purpose of this paper is to address the concerns of beginning university teachers about learning to teach in the context of an induction programme. Design/methodology/approach: The author asked 162 beginning teachers at Dutch universities of applied sciences to express their concerns

  20. Analysis of Changes in Market Shares of Commercial Banks Operating in Turkey Using Computational Intelligence Algorithms

    OpenAIRE

    Amasyali, M. Fatih; Demırhan, Ayse; Bal, Mert

    2014-01-01

    This paper aims to model the change in market share of 30 domestic and foreign banks, which have been operating between the years 1990 and 2009 in Turkey by taking into consideration 20 financial ratios of those banks. Due to the fragile structure of the banking sector in Turkey, this study plays an important role for determining the changes in market share of banks and taking the necessary measures promptly. For this reason, computational intelligence methods have been used in the study. Acc...

  1. Dutch radiodiagnostics viewed internationally

    International Nuclear Information System (INIS)

    Valois, J.C. de

    1990-01-01

    Dutch radiodiagnostics viewed internationally. - A quantitative description of diagnostic radiology is given in terms of radiological density (the number of radiological examinations per 1000 inhibitants), consumptions of roentgen film and contrast media. The data concerning examinations were recorded by a yearly inquiry system addressing all Dutch radiologists. The consumption of film and contrast media were derived from the data banks of the industries. In comparing these data with the data for Western Europe, Japan and the United States it is remarkable that diagnostic radiology scores lowest in regard to density, film consumption and use of contrast media. Only in the use of 35 mm cinefilm (coronary angiography) is The Netherlands number 2 on the list preceded by the United States. As a consequence radiation exposure of the population caused by diagnostic radiology is low in The Netherlands. Although the technical condition of the equipment is good due to regular and preventive service the life-span of the radiological equipment is gradually increasing beyond the limits of the normal economic depreciation. Growing arrears are found in the application of new technology: ultrasound, computer tomography and magnetic resonance imaging. The substitution of high osmolar contrast media by low osmolar media is also laggin gbehind. (author). 10 refs.; 1 fig.; 4 tab

  2. Banking Models Under the Impact of the Post-Crisis Organizational Changes Apt to Confer Sustainable Financial Stability - Romanian Experience

    Directory of Open Access Journals (Sweden)

    Claudia Gabriela Baicu

    2012-06-01

    Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.

  3. Modelling climate change effects on a dutch coastal groundwater system using airborne electromagnetic measurements

    NARCIS (Netherlands)

    Faneca S̀anchez, M.; Gunnink, J.L.; Baaren, E.S. van; Oude Essink, G.H.P.; Siemon, B.; Auken, E.; Elderhorst, W.; Louw, P.G.B. de

    2012-01-01

    The forecast of climate change effects on the groundwater system in coastal areas is of key importance for policy makers. The Dutch water system has been deeply studied because of its complex system of low-lying areas, dunes, land won to the sea and dikes, but nowadays large efforts are still being

  4. 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...

  5. 76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-27

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

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

    OpenAIRE

    Čížek, Martin

    2009-01-01

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

  7. Land use and cover change as an overarching topic in the Dutch National Research Programme on Global Air Pollution and Climate Change : issues for implementation

    NARCIS (Netherlands)

    Fresco, L.O.; Berg, van den M.M.; Zeijl-Rozema, van A.E.

    1996-01-01

    The integration study 'Land Use and Cover Change as an overarching topic in the Dutch National Research Programme on Global Air Pollution and Climate Change (NRP)' aims at identifying research fields in which the NRP can contribute most effectively to the international scientific

  8. Inventory of Dutch National Research on Global Climate Change: Inside and outside the National Research Programme

    International Nuclear Information System (INIS)

    Smythe, K.D.; Bernabo, C.; Kingma, J.; Vrakking, W.

    1993-04-01

    This summary of Dutch research on global climate change was compiled from a survey of the major research organisations in the Netherlands. The scope and structure of the survey and this report were based on a request for information from the World Meteorological Organisation for an intergovernmental meeting on the World Climate Programme (WCP) held (from 14 to 16 April 1993). The WMO request emphasized activities related to the WCP and its associated programmes. To extend the usefulness of the exercise, an attempt has been made to broaden the focus to give additional attention to the Intergovernmental Geosphere-Biosphere Programme (IGBP) and the Human Dimensions Programme (HDP). This was the first attempt to inventory the research projects on global climate change underway in the Netherlands - both inside and outside the National Research Programme. Other surveys on Dutch climate-related research have been conducted. The most extensive effort was a cataloging of publications from climate research in the Netherlands from 1981 to 1991, which was conducted by the Netherlands Royal Academy of Sciences (KNAW). That inventory is being updated to include publications through 1992. The database resulting from this exercise will be a useful tool for organisations sponsoring and conducting global climate change research in their efforts to stimulate cooperation and promote coordination among research groups in the Netherlands and abroad. There are plans to update the inventory in the future and to provide the information to participating Dutch organisations as well as research organisations in other countries. An overview of the current research is provided in Volume 1 with a list of projects

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

    OpenAIRE

    liu, luke

    2012-01-01

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

  10. The Dutch National Research Agenda in Perspective

    OpenAIRE

    2017-01-01

    The Dutch National Research Agenda is a set of national priorities that are set by scientists working in conjunction with corporations, civil society organisations, and interested citizens. The agenda consolidates the questions that scientific research will be focused on in the coming year. This book covers the current status of the Dutch National Research Agenda and considers what changes and adjustments may need to be made to the process in order to keep Dutch national research at the top o...

  11. Dialect change and its consequences for the Dutch dialect landscape : How much is due to the standard variety and how much is not?

    NARCIS (Netherlands)

    Hinskens, F.L.M.P.; Heeringa, W.J.

    2015-01-01

    We recorded older male speakers and younger female speakers of 86 local dialects of Dutch. Using these data, we analyze and visualize the influence of standard Dutch on apparent time changes in these dialects. Focusing for the most part on variation in the sound components, we test whether (I)

  12. 40 years of multi-faceted change in the Dutch Tax and Customs Administration

    DEFF Research Database (Denmark)

    Rukanova, Boriana; Stijn, Eveline van; Henriksen, Helle Zinner

    2006-01-01

    perceived as key components of a solution. Thus, we see that many ICT-driven change efforts have taken and continue to take place under the header of eGovernment. These changes are not always successful, however, and not yet wellunderstood. In this article, we provide an interpretive longitudinal account...... of the strategic IS efforts at the Dutch Tax and Customs Administration (DTCA). Instead of focusing on IS that supports the government itself or the relations between governments and citizens, we seek to contribute to the sparse literature that is specifically directed at the interactions between EU initiatives...

  13. How the Second Delta Committee Set the Agenda for Climate Change Adaptation: A Dutch Case Study on Framing Strategies for Policy Change

    NARCIS (Netherlands)

    Verduijn, S.H.; Meijerink, S.V.; Leroy, P.

    2012-01-01

    In 2008, the Second State Delta Committee, commissioned by the Dutch Secretary of Public Works and Water Management, provided suggestions on how to defend the Netherlands against the expected impacts of climate change, such as sea level rise, longer periods of drought, more intense periods of

  14. For which option is credit risk more representative on China banks' total factor productivity Efficiency change or technological progress?

    Institute of Scientific and Technical Information of China (English)

    Fadzlan Sufian

    2012-01-01

    Purpose-The purpose of this paper is to provide new empirical evidence on the impact of credit risk on China banks' total factor productivity.Design/methodology/approach-The paper employs the Malmquist Productivity Index (MP1) which allows for the examination of five different indices:total factor productivity change (TFPCH);technological change (TECHCH);efficiency change (EFFCH);pure technical efficiency change (PEFFCH);and scale efficiency change (SECH) indices.Findings-The empirical findings indicate that the State Owned Commercial Banks (SOCB),Joint Stock Commercial Banks (JSCB),and City Commercial Banks (CCB) have exhibited lower TFPCH levels with the inclusion of risk factor.It was found that the JSCB and CCB have exhibited lower TFPCH due to TECHCH,while the SOCB have exhibited lower TFPCH due to EFFCH.The empirical findings suggest that the inclusion of credit risk factor has resulted in a higher JSCB EFFCH levels.On the other hand,the SOCB and CCB have exhibited a lower EFFCH levels due to SECH and PEFFCH,respectively.Research limitations/implications-The results clearly highlight the importance of credit risk and lending quality in determining the total factor productivity change of banks operating in the China banking sector.The author demonstrates that the inclusion of credit risk factor has resulted in a lower TFPCH level of all banks operating in the China banking sector.Thus,excluding the credit risk factor from the analysis on the China banking sector may potentially bias the result upwards.Practical impIications-In an environment of heavy government influence over the lending process,a large proportion of loans extended by Chinese banks over the years have gone bad.Policymakers should prevent the flow of new non-performing loans by separating bad clients from banks that are being restructured and recapitalized in the reform of the banking sector.Originality/value-By employing the Malmquist Productivity Index (MPI),the present paper contributes to

  15. Innovating the Dutch construction industry: How to change?

    NARCIS (Netherlands)

    Prof. J.W.F. Wamelink; Dr. Ir. Frens Pries

    2009-01-01

    The environment of the(Dutch) building industry is increasingly turbulent. There are many cges for the building industry. Innovative tendering, better marketing, openness and transparency are examples of this. A strong reduction in failure costs (estimated at between 10 and 25% of the total costs)

  16. The Financial Crisis and the Management of Change in the Banking Sector

    Directory of Open Access Journals (Sweden)

    Alexandra Micu

    2014-12-01

    Full Text Available In the last two decades the banking sector had been facing a series of profound changes. After a significant period of growth and wellbeing, the economy has faced a sudden and severe crisis. The main effect of the economic downturn implied a sharp decrease in the economic activity overall, and in the banking sector in particular, which led to millions of people losing their jobs. The article focuses on this heavily affected branch of the economy, and looks into the most efficient change management methods and turnaround strategies that enabled select organizations to remain competitive and overcome the multiple difficulties caused by the financial crisis.

  17. Do Dutch nutrition and dietetics students meet nutritional requirements during education?

    NARCIS (Netherlands)

    van der Kruk, Joke; Jager, Harriët; Nieweg, Roos; van der Schans, Cees

    2014-01-01

    OBJECTIVES: To compare the dietary intakes of Dutch nutrition and dietetics students with the Dutch RDA and the Dutch National Food Consumption Survey (DNFCS), and to assess whether dietary intake changes during education.DESIGN: Cross-sectional and longitudinal research (2004-2010).SETTING: Data

  18. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

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

  19. Health promotion in the trucking setting: Understanding Dutch truck drivers' road to healthy lifestyle changes.

    Science.gov (United States)

    Boeijinga, Anniek; Hoeken, Hans; Sanders, José

    2016-10-17

    The working environment, the nature of the work, and the characteristics of truck drivers as a social group typically pose great challenges for the truck drivers' health and health promotion activities aiming to improve it. The purpose was to obtain a better understanding of (a) Dutch truck drivers' perceptions of health and lifestyle themes, and (b) the challenges they experience in their pursuit of a more healthy lifestyle, as a guiding framework for the development of health interventions targeting this occupational group. In this qualitative study, we conducted and analyzed 20 semi-structured interviews and seven cases of participant observations with Dutch truck drivers. Grounded theory was used to analyze the data. Our findings illustrate that Dutch truck drivers wish to improve their lifestyle but have unproductive associations with concepts of healthy living as well as a tendency to downplay their health risks. In addition, they experience barriers within their work and personal environment that prevent them from translating their intentions into actual lifestyle changes. Based on the insights derived from the interviews, we discuss recommendations for the development of more effective health promotion interventions for truck drivers.

  20. 78 FR 20919 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-08

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

  1. Research framework for an experimental study on phase change materials in scaled models of dutch dwellings

    NARCIS (Netherlands)

    Muthing, F.; Entrop, A.G.; Brouwers, H.J.H.

    2009-01-01

    In modern Dutch dwellings, about 10% of the annual use of primary energy is used for cooling, whereas about 50% of the primary energy is used for heating. With the technology of Phase Change Materials (PCMs) energy savings can be made in both areas. PCMs are materials with a high latent heat

  2. Research framework for an experimental study on phase change materials in scaled models of Dutch dwellings

    NARCIS (Netherlands)

    Müthing, F.; Entrop, Alexis Gerardus; Brouwers, Jos; Durmisevic, Elma

    2009-01-01

    In modern Dutch dwellings, about 10% of the annual use of primary energy is used for cooling, whereas about 50% of the primary energy is used for heating. With the technology of Phase Change Materials (PCMs) energy savings can be made in both areas. PCMs are materials with a high latent heat

  3. Progress in China’s Banking Sector Reform; Has Bank Behavior Changed?

    OpenAIRE

    Richard Podpiera

    2006-01-01

    Substantial effort has been devoted to reforming China's banking system in recent years. The authorities recapitalized three large state-owned banks, introduced new governance structures, and brought in foreign strategic investors. However, it remains unclear the extent to which currently reported data reflect the true credit risk in loan portfolios and whether lending decisions have started to be taken on a commercial basis. We examine lending growth, credit pricing, and regional patterns in...

  4. 77 FR 35680 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-14

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

  5. Climate change and the World Bank: opportunity for global governance?

    International Nuclear Information System (INIS)

    Boehmer-Christiansen, S.A.

    1999-01-01

    The direct and indirect efforts of the World Bank and its off-spring, the Global Environment Facility (GEF), to become leading international agents of global environmental 'governance' and 'sustainable development' are described and analysed politically with reference to the development of an implementation regime of the Framework Convention on Climate Change (FCCC). The Bank/GEF are seen as engaging in a potentially dangerous experiment of 'global ecological modernisation', or industrial transformation, in 'emerging economies', an experiment legitimised by reference to the catastrophic threat of man-made 'global warming'. This threat is already being translated into political, commercial and bureaucratic benefits accruing to a small global elite. How was this achieved and what are the likely political implications? (author)

  6. DutchParl: A corpus of parliamentary documents in Dutch

    NARCIS (Netherlands)

    Marx, M.; Schuth, A.

    2010-01-01

    A corpus called DutchParl is created which aims to contain all digitally available parliamentary documents written in the Dutch language. The first version of DutchParl contains documents from the parliaments of The Netherlands, Flanders and Belgium. The corpus is divided along three dimensions: per

  7. 76 FR 11781 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-03

    ... Bank, both of Hazel Green, Alabama. 3. P. Byron DeFoor, Ooltewah, Tennessee, and Winston A. Porter... indirectly acquire voting shares of Northside Bank, both of Adairsville, Georgia. 4. Michael Hull Erdman...

  8. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  9. Dutch Building Decree

    NARCIS (Netherlands)

    Scholten, N.P.M.

    2000-01-01

    On the 1 October 1992 a change in the Dutch building legislation took effect: the revised Housing Act, the Building Decree and the technical documents related to this legislation came into force. This publication contains an English translation of the Building Decree. In order to give an idea of the

  10. 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

  11. 78 FR 33092 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... June 12, 2013. A. Federal Reserve Bank of St. Louis (Yvonne Sparks, Community Development Officer) P.O... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... thereby acquire Lead Bank, both in Garden City, Missouri. [[Page 33093

  12. Regulatory pressure and income smoothing by banks in response to anticipated changes to the Basel II Accord

    Directory of Open Access Journals (Sweden)

    Chu Yeong Lim

    2017-03-01

    Full Text Available We examine the effects of the revised Basel II rules on bank managers’ discretionary behavior, specifically income smoothing and loan loss provisioning. As the revised rules exert greater regulatory pressure on corporate than retail banking, we predict corporate bank managers to reduce risk-taking activities or increase income smoothing. Analysis of segmental reports reveals greater (less income smoothing in the corporate banking segments of low-capital (high-capital banks during the Basel II period, with their managers recognizing loan loss provisions in a less timely fashion. We find no such effects for retail banking. Although we document an initially negative market reaction to the regulatory announcements, that reaction weakens over time. Overall, the study highlights the unintended consequences of the banking rule changes.

  13. Regulatory pressure and income smoothing by banks in response to anticipated changes to the Basel Ⅱ Accordq

    Institute of Scientific and Technical Information of China (English)

    Chu Yeong Lim; Kevin Ow Yong

    2017-01-01

    We examine the effects of the revised Basel II rules on bank managers’ discretionary behavior, specifically income smoothing and loan loss provisioning. As the revised rules exert greater regulatory pressure on corporate than retail banking, we predict corporate bank managers to reduce risk-taking activities or increase income smoothing. Analysis of segmental reports reveals greater(less) income smoothing in the corporate banking segments of low-capital(high-capital) banks during the Basel II period, with their managers recognizing loan loss provisions in a less timely fashion. We find no such effects for retail banking. Although we document an initially negative market reaction to the regulatory announcements, that reaction weakens over time. Overall,the study highlights the unintended consequences of the banking rule changes.

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

    OpenAIRE

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

    2010-01-01

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

  15. 78 FR 19267 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-29

    ... indirectly retain voting shares of First-Citizens Bank & Trust Company, both in Raleigh, North Carolina. B... Byrd Street, Richmond, Virginia 23261-4528: 1. Olivia Britton Holding, Raleigh, North Carolina; to... First-Citizens Bank & Trust Company, both in Raleigh, North Carolina. 2. Frank Brown Holding, Jr...

  16. Efficiency scale and technological change in credit unions and multiple banks using the COSIF

    Directory of Open Access Journals (Sweden)

    Wanderson Rocha Bittencourt

    2016-08-01

    Full Text Available The modernization of the financial intermediation process and adapting to new technologies, brought adjustments to operational processes, providing the reduction of information borrowing costs, allowing generate greater customer satisfaction, due to increased competitiveness in addition to making gains with long efficiency period. In this context, this research aims to analyze the evolution in scale and technological efficiency of credit and multiple cooperative banks from 2009 to 2013. We used the method of Data Envelopment Analysis - DEA, which allows to calculate the change in efficiency of institutions through the Malmquist Index. The results indicated that institutions that employ larger volumes of assets in the composition of its resources presented evolution in scale and technological efficiency, influencing the change in total factor productivity. It should be noticed that cooperatives had, in some years, advances in technology and scale efficiency higher than banks. However, this result can be explained by the fact that the average efficiency of credit unions have been lower than that of banks in the analyzed sample, indicating that there is greater need to improve internal processes by cooperatives, compared to multiple banks surveyed.

  17. Changes in the professional domain of Dutch dental hygienists

    NARCIS (Netherlands)

    Jerkovic, K.; van Offenbeek, M. A. G.; Slot, D. E.; van der Schans, C. P.

    2010-01-01

    Objective: This study's purpose was to compare the scope of practice of Dutch dental hygienists educated through a two- or three-year curriculum ('old curriculum dental hygienists' [OCDHs]) with that of hygienists educated through a new extended four-year curriculum leading to a bachelor's degree

  18. 77 FR 53887 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-09-04

    ... Bancorp, Inc., and thereby indirectly acquire control of Midwest Federal Savings and Loan Association of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12...

  19. 77 FR 19967 - Safety Zone, Port of Dutch Harbor; Dutch Harbor, AK

    Science.gov (United States)

    2012-04-03

    ...-AA00 Safety Zone, Port of Dutch Harbor; Dutch Harbor, AK AGENCY: Coast Guard, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The Coast Guard proposes temporary safety zones in the Port of Dutch Harbor... Dutch Harbor, Alaska, and the adjacent territorial sea due to additional vessel traffic associated with...

  20. 76 FR 1165 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-07

    ...Vest Bank of Maryland, Rockville, Maryland. B. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell James Gesell... Trust, all in Saint Paul, Minnesota; and Russell James Gesell, Rene J. Gesell, The Charles R. Gesell...

  1. Development of small carbonate banks on the south Florida platform margin: Response to sea level and climate change

    Science.gov (United States)

    Mallinson, David J.; Hine, Albert C.; Hallock, Pamela; Locker, Stanley D.; Shinn, Eugene; Naar, David; Donahue, Brian; Weaver, Douglas C.

    2003-01-01

    Geophysical and coring data from the Dry Tortugas, Tortugas Bank, and Riley’s Hump on the southwest Florida margin reveal the stratigraphic framework and growth history of these carbonate banks. The Holocene reefs of the Dry Tortugas and Tortugas Bank are approximately 14 and 10 m thick, respectively, and are situated upon Pleistocene reefal edifices. Tortugas Bank consists of the oldest Holocene corals in the Florida Keys with earliest coral recruitment occurring at ∼9.6 cal ka. Growth curves for the Tortugas Bank reveal slow growth (demise at ∼4.2 cal ka. Coral reef development at the Dry Tortugas began at ∼6.4 cal ka. Aggradation at the Dry Tortugas was linear, and rapid (∼3.7 mm/yr) and kept pace with sea-level change. The increase in aggradation rate of Tortugas Bank at 6.2 cal ka is attributed to the growth of the Dry Tortugas reefs, which formed a barrier to inimical shelf water. Termination of shallow (<15 m below sea level) reef growth at Tortugas Bank at ∼4.2 cal ka is attributed to paleoclimate change in the North American interior that increased precipitation and fluvial discharge. Reef growth rates and characteristics are related to the rate of sea-level rise relative to the position of the reef on the shelf margin, and are additionally modified by hydrographic conditions related to climate change.

  2. 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.

  3. 78 FR 53146 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-28

    ... Bank of Delmarva, Seaford, Delaware. B. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant... of Harbor Springs, Michigan; Tracy Irish Texter; Tracy Irish Texter; John F. Texter, as trustees of the John F. Texter and Tracy I. Texter Trust; the John F. Texter and Tracy I. Texter Trust, all of...

  4. Partnering for climate change adaptations by Dutch housing associations

    Directory of Open Access Journals (Sweden)

    Martin Roders

    2015-06-01

    Full Text Available Introduction Climate change can no longer be ignored. It is globally recognised that the evidence for climate change is unequivocal and that action needs to be taken in order to address its negative effects. These effects, such as warmer and drier summers and more extreme rainfall, may threaten the quality of life of those living in urban environments. To limit these threats, a number of climate change adaptation measures can be taken to pre-empt the negative effects of climate change. The challenge of increasing the implementation of climate change adaptation measures is addressed in this thesis by engaging the construction sector while focusing on the housing stock that is owned and maintained by Dutch housing associations. By implementing climate change adaptation measures, dwellings will become more resilient to some of the effects of climate change, becoming less vulnerable for damage and ensuring the comfort, safety and quality of life of their occupants. Because housing associations are regarded as societal entrepreneurs, these are expected to use resources and commercial profits to achieve societal aims that are in the common interest, such as making timely adaptations, so that changing climatic conditions cannot threaten the quality of their dwellings. Moreover, there are relatively few housing associations compared to the number of houses they own and maintain. In 2012, there were 381 housing associations that owned and maintained a stock of 2.4 million dwellings, representing 32% of the total Dutch housing stock. This means that approaching the Dutch social rented sector was seen as an effective way of generating a greater societal impact. In the past decade, external influences such as the recent economic crisis and political pressure, have led housing associations to become more cost effective and to make changes in their organisational strategies, which has resulted in the adoption of more integrated project delivery methods, such

  5. Survival of Dutch heathlands

    NARCIS (Netherlands)

    Diemont, W.H.

    1996-01-01

    OBJECTIVES OF THE THESIS

    Heathlands in The Netherlands are vanishing due to the invasion of trees. The transition from heathland to woodland in Dutch heathlands may either proceed directly or is preceded by the development of an intermediate grass heath. These changes are due to natural

  6. 78 FR 63978 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-10-25

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  7. 78 FR 38715 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-06-27

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  8. 77 FR 74191 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-12-13

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  9. 78 FR 62302 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-10-15

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  10. 77 FR 66616 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-11-06

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  11. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2011-12-05

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  12. 78 FR 21368 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-04-10

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  13. 76 FR 61102 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2011-10-03

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  14. 76 FR 72922 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2011-11-28

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  15. 77 FR 26009 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2012-05-02

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...

  16. 78 FR 65312 - Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

    Science.gov (United States)

    2013-10-31

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...

  17. Dialectic of control and emancipation in organizing for social change: a multitheoretic study of the Grameen Bank in Bangladesh.

    Science.gov (United States)

    Papa, M J; Auwal, M A; Singhal, A

    1995-08-01

    Dedicated to helping the poorest of the poor obtain the financial means to become productively self-employed, the Grameen Bank in Bangladesh is founded upon the belief that credit is a fundamental human right and that development should be measured according to the per capita income of the bottom 50% of the population. The bank provides collateral-free loans and social services for the poor, charging 20% interest on capital, all the while maintaining a 99% loan recovery rate. The bank has 1.9 million members, 94% of whom are women, and has successfully organized grassroots microenterprises for productive self-employment and social change. The authors use the coorientation, concertive control, and critical feminist theories to analyze the bank's programs in an effort to explain the dialectic between control and emancipation in organizing for social change. Examining the bank's organizational processes from multiple theoretical perspectives allows insights to be drawn about theory and praxis in organizing for social change. The Grameen Bank has effectively demonstrated that development is an organized process of education, environmentally sound productivity, and improvement in the quality of life for the poorest of the poor.

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

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  19. 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.

  20. Spatio-temporal changes in river bank mass failures in the Lockyer Valley, Queensland, Australia

    Science.gov (United States)

    Thompson, Chris; Croke, Jacky; Grove, James; Khanal, Giri

    2013-06-01

    Wet-flow river bank failure processes are poorly understood relative to the more commonly studied processes of fluvial entrainment and gravity-induced mass failures. Using high resolution topographic data (LiDAR) and near coincident aerial photography, this study documents the downstream distribution of river bank mass failures which occurred as a result of a catastrophic flood in the Lockyer Valley in January 2011. In addition, this distribution is compared with wet flow mass failure features from previous large floods. The downstream analysis of these two temporal data sets indicated that they occur across a range of river lengths, catchment areas, bank heights and angles and do not appear to be scale-dependent or spatially restricted to certain downstream zones. The downstream trends of each bank failure distribution show limited spatial overlap with only 17% of wet flows common to both distributions. The modification of these features during the catastrophic flood of January 2011 also indicated that such features tend to form at some 'optimum' shape and show limited evidence of subsequent enlargement even when flow and energy conditions within the banks and channel were high. Elevation changes indicate that such features show evidence for infilling during subsequent floods. The preservation of these features in the landscape for a period of at least 150 years suggests that the seepage processes dominant in their initial formation appear to have limited role in their continuing enlargement over time. No evidence of gully extension or headwall retreat is evident. It is estimated that at least 12 inundation events would be required to fill these failures based on the average net elevation change recorded for the 2011 event. Existing conceptual models of downstream bank erosion process zones may need to consider a wider array of mass failure processes to accommodate for wet flow failures.

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

    OpenAIRE

    Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

    2010-01-01

    Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

  2. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

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

  3. Psychometric properties of the PROMIS Physical Function item bank in patients receiving physical therapy.

    Directory of Open Access Journals (Sweden)

    Martine H P Crins

    Full Text Available The Patient-Reported Outcomes Measurement Information System (PROMIS is a universally applicable set of instruments, including item banks, short forms and computer adaptive tests (CATs, measuring patient-reported health across different patient populations. PROMIS CATs are highly efficient and the use in practice is considered feasible with little administration time, offering standardized and routine patient monitoring. Before an item bank can be used as CAT, the psychometric properties of the item bank have to be examined. Therefore, the objective was to assess the psychometric properties of the Dutch-Flemish PROMIS Physical Function item bank (DF-PROMIS-PF in Dutch patients receiving physical therapy.Cross-sectional study.805 patients >18 years, who received any kind of physical therapy in primary care in the past year, completed the full DF-PROMIS-PF (121 items.Unidimensionality was examined by Confirmatory Factor Analysis and local dependence and monotonicity were evaluated. A Graded Response Model was fitted. Construct validity was examined with correlations between DF-PROMIS-PF T-scores and scores on two legacy instruments (SF-36 Health Survey Physical Functioning scale [SF36-PF10] and the Health Assessment Questionnaire Disability-Index [HAQ-DI]. Reliability (standard errors of theta was assessed.The results for unidimensionality were mixed (scaled CFI = 0.924, TLI = 0.923, RMSEA = 0.045, 1th factor explained 61.5% of variance. Some local dependence was found (8.2% of item pairs. The item bank showed a broad coverage of the physical function construct (threshold-parameters range: -4.28-2.33 and good construct validity (correlation with SF36-PF10 = 0.84 and HAQ-DI = -0.85. Furthermore, the DF-PROMIS-PF showed greater reliability over a broader score-range than the SF36-PF10 and HAQ-DI.The psychometric properties of the DF-PROMIS-PF item bank are sufficient. The DF-PROMIS-PF can now be used as short forms or CAT to measure the level of

  4. Monitoring Costs and Multinational-Bank Lending

    OpenAIRE

    Ralph de Haas

    2006-01-01

    We use a two-country model to examine how endogenous changes in monitoring intensity and exogenous changes in monitoring efficiency affect multinational-bank lending. First, an endogenous decline in monitoring intensity limits the amount of deposits that banks can attract. This lowers bank lending. Shocks that reduce bank capital relative to firm capital therefore have a stronger negative effect on bank lending compared to a model with exogenous monitoring intensity. Second, international dif...

  5. New Factors Inducing Changes in the Retail Banking Customer Relationship Management (CRM) and Their Exploration by the Fintech Industry

    OpenAIRE

    Kotarba Marcin

    2016-01-01

    Growing levels of regulation force financial institutions to change their business models toward lower risk levels, higher capital adequacy, service quality, and more stable revenue pools. In parallel with the regulatory changes, the banks are subject to pressure from accelerated technology development and social changes. These two factors influence the behavior of customers and induce changes in the customer relationship management (CRM). Taking the example of retail banking, the factors and...

  6. Ethnic identity, externalizing problem behaviour and the mediating role of self-esteem among Dutch, Turkish-Dutch and Moroccan-Dutch adolescents

    NARCIS (Netherlands)

    Wissink, I.B.; Deković, M.; Yağmur, S.; Stams, G.J.; de Haan, M.

    2008-01-01

    The present study examined whether self-esteem mediates the relationship between two aspects of ethnic identity (i.e. ethnic identity exploration and ethnic identity commitment-affirmation) and externalizing problem behaviour in Dutch, Turkish-Dutch and Moroccan-Dutch adolescents living in the

  7. The Czech Banking Sector: Two Decades with the Shuttle Changes

    Directory of Open Access Journals (Sweden)

    Drahomira Dubska

    2013-03-01

    Full Text Available According to stress-test of the Czech National Bank at the end of 2011, the banking sector in the Czech Republic is able to absorb the scenario of the Czech Republic's GDP hypothetically dropping by 5-6%. This analysis elucidate the question of how is possible that the banking sector remained sound and strongly capitalized, even when the parent companies of the largest banks in the Czech market, which comprise nearly the entire banking sector of the Czech Republic in terms of assets, loans and deposits, struggled with existential problems. It describes the history of the practical disappearance of the small and medium-sized banks during 90th and also the development of large banks using a model of sustainable growth. The analysis also includes circumstances of privatization and post-privatization development, as well. Final part of this article enlightens main reasons why the banking sector of the Czech Republic in the decade 2001-2011 was able to expand with high profitability with a relatively low level of risk.

  8. 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.

  9. Using methodical design for culture change in Dutch building design practice : karning by doing' workshops

    NARCIS (Netherlands)

    Savanovic, P.; Zeiler, W.

    2007-01-01

    Since 2001 the ‘integral approach’ has been propagated within Dutch building design practice, through continuously developing ‘learning by doing’ workshops. The organization of workshops started during the ‘Integral Design’ project that was conducted by the Dutch Society for Building Services

  10. Perceived antecedents of marital satisfaction among Turkish, Turkish-Dutch, and Dutch couples.

    Science.gov (United States)

    Celenk, Ozgur; van de Vijver, Fons J R

    2013-01-01

    We studied mainstream couples in The Netherlands and Turkey as well as Turkish-Dutch immigrant couples to address cultural factors associated with marital satisfaction. A total of 13 Turkish (mainstream couples living in Turkey), 19 Turkish-Dutch (Turkish immigrant couples living in The Netherlands), and 17 Dutch (mainstream couples living in The Netherlands) married dyads (total of 98 individuals) were independently interviewed about positive and negative characteristics of marriages, determinants of general marital satisfaction and dissatisfaction, spousal communication, marital conflict, and marital roles. Multivariate tests revealed ethnic group differences on all marriage-related domains except the conflict resolution strategies. However, univariate analyses showed differences in few themes within domains; main differences were assessed between the Turkish/Turkish-Dutch (who put more emphasis on children and economical aspects) and Dutch couples (who put more emphasis on behavior, and personality of the spouse, reciprocity, emotional sharing, and psychological roles). Turkish-Dutch couples were more similar to Turkish than to Dutch couples. Results were discussed in light of the socioeconomic development and cultural value theories, which are believed to provide a useful framework for understanding the role of culture in marital satisfaction.

  11. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

    This paper explains how banking supervision within the EU, and in Finland in particular, can be improved by the implementation of greater market discipline and related changes. Although existing EU law, institutions, market structures and practices of corporate governance restrict the scope for change, substantial improvements can be introduced now while there is a window of opportunity for change. The economy is growing H5ly and the consequences of the banking crises of the early 1990s have ...

  12. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  13. Decreasing the overall environmental impact of the Dutch diet: how to find healthy and sustainable diets with limited changes.

    Science.gov (United States)

    Kramer, Gerard Fh; Tyszler, Marcelo; Veer, Pieter Van't; Blonk, Hans

    2017-06-01

    To find diets optimised on nutrition and environmental impact close to the current Dutch diet and to identify the most effective and acceptable options for mitigating environmental impact. Linear programming was used to optimise diets of Dutch men and women aged 9-69 years, divided into ten age-gender groups. The analysis included nutrient composition, a metric for popularity and life cycle assessments of 207 food products. Greenhouse gas emissions, fossil energy use and land occupation were used to calculate a weighted score for the overall environmental impact. Optimised diets were solutions that minimised changes to the current diet while satisfying all nutritional constraints, with stepwise reductions in environmental impact. The Netherlands. Dutch children and adults aged 9-69 years. Meat was always reduced. Vegetable, fruit and dairy contents remained similar, while bread, fatty fish and legumes increased. The extent of changes depended on age and gender. Beverages were not heavily reduced. Nutrients critical for the outcome were α-linoleic acid, retinol, Ca, Na, Se, dietary fibre, SFA, thiamin and Fe (women of childbearing age). Total protein, essential amino acids and carbohydrates were not critical. Reducing meat is the most effective option for lowering the environmental impact of diets in all age-gender groups. Reducing alcoholic and non-alcoholic beverages is another option. Leaving out fish and dairy products are not. The differences in nutritional requirements related to age and gender have a significant effect on the composition of the optimised diets.

  14. Ethnic Identity, Externalizing Problem Behaviour and the Mediating Role of Self-Esteem among Dutch, Turkish-Dutch and Moroccan-Dutch Adolescents

    Science.gov (United States)

    Wissink, Inge B.; Dekovic, Maja; Yagmur, Sengul; Stams, Geert Jan; de Haan, Mariette

    2008-01-01

    The present study examined whether self-esteem mediates the relationship between two aspects of ethnic identity (i.e. ethnic identity exploration and ethnic identity commitment-affirmation) and externalizing problem behaviour in Dutch, Turkish-Dutch and Moroccan-Dutch adolescents living in the Netherlands. A total number of 345 adolescents (115…

  15. Technological Innovation in Dutch Cattle Breeding and Dairy Farming, 1850-2000

    NARCIS (Netherlands)

    Bieleman, J.

    2005-01-01

    This article attempts to present the broad outlines of technological change in Dutch cattle breeding and dairy farming over the last 150 years. After 1850, Dutch dairy farmers and cattle breeders profited from the rapidly increasing opportunities offered by expanding foreign markets. Herd book

  16. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

    Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

  17. Changing public space. The recent redevelopment of Dutch city squares

    NARCIS (Netherlands)

    van Melik, R.G.

    2008-01-01

    Public spaces in Dutch city centres are increasingly subject to facelifts. The car parking that dominated city squares until the 1980s has been removed and replaced by modern street furniture, city stages, and an abundance of sidewalk caf鳮 At the same time, public spaces are more controlled by

  18. The evolution of the Dogger Bank, North Sea: A complex history of terrestrial, glacial and marine environmental change

    Science.gov (United States)

    Cotterill, Carol J.; Phillips, Emrys; James, Leo; Forsberg, Carl Fredrik; Tjelta, Tor Inge; Carter, Gareth; Dove, Dayton

    2017-09-01

    This paper presents a summary of the results of a detailed multidisciplinary study of the near surface geology of the Dogger Bank in the southern central North Sea, forming part of a site investigation for a major windfarm development undertaken by the Forewind consortium. It has revealed that the Dogger Bank is internally complex rather than comprising a simple ;layer cake; of the Quaternary sediments as previously thought. Regional and high-resolution seismic surveys have enabled a revised stratigraphic framework to be established for the upper part of this sequence which comprises the Eem (oldest), Dogger Bank, Bolders Bank formations and Botney Cut Formation (youngest), overlain by a typically thin Holocene sequence. Detailed mapping of key horizons identified on the high-resolution seismic profiles has led to the recognition of a series of buried palaeo-landsystems which are characterised by a range of features including; glacial, glacifluvial and fluvial channels, a large-scale glacitectonic thrust-moraine complex with intervening ice-marginal basins, a lacustrine basin and marine ravinement surfaces. Interpretation of these buried landscapes has enabled the development of an environmental change model to explain the evolution of the Dogger Bank. This evolution was driven by the complex interplay between climate change, ice sheet dynamics and sea level change associated with the growth and subsequent demise of the British and Irish and Fennoscandian ice sheets during the Weichselian glaciation. Following the decay of these ice sheets the Dogger Bank entered a period of significant climatic and environmental flux which saw a terrestrial landscape being progressively inundated as sea levels rose during the Holocene.

  19. Changing Places: A Cross-Language Perspective on Frequency and Family Size in Dutch and Hebrew

    Science.gov (United States)

    Moscoso del Prado Martin, Fermin; Deutsch, Avital; Frost, Ram; Schreuder, Robert; De Jong, Nivja H.; Baayen, R. Harald

    2005-01-01

    This study uses the morphological family size effect as a tool for exploring the degree of isomorphism in the networks of morphologically related words in the Hebrew and Dutch mental lexicon. Hebrew and Dutch are genetically unrelated, and they structure their morphologically complex words in very different ways. Two visual lexical decision…

  20. "Nothing is going to change three months from now": A mixed methods characterization of food bank use in Greater Vancouver.

    Science.gov (United States)

    Holmes, Eleanor; Black, Jennifer L; Heckelman, Amber; Lear, Scott A; Seto, Darlene; Fowokan, Adeleke; Wittman, Hannah

    2018-03-01

    North American food bank use has risen dramatically since the 1980s, and over 850,000 Canadians were estimated to have visited a food bank monthly in 2015. Food banks serve multiple roles in communities, ranging from 'emergency responses' to individualized and short-term experiences of hunger, to 'chronic' supports as part of long-term subsistence strategies. This study used a mixed-methods design to examine the spectrum of food bank user experiences in a large urban context, as part of a community-based project aiming to envision a redesign of the food bank to contribute to broader community food security outcomes. Survey (n = 77) and focus group (n = 27) results suggested that participants widely viewed food banks as a long-term food-access strategy. Inadequate financial resources, steep increases in housing and food costs, and long-term health challenges emerged as the most prominent factors influencing food bank use. Participants commonly reported unmet food needs despite food bank use, limited agency over factors influencing access to sufficient food, and anticipated requiring food bank services in future. These findings contest global constructions of food banks as "emergency" food providers and support growing evidence that food banks are an insufficient response to chronic poverty, lack of affordable housing and insufficient social assistance rates underlying experiences of food insecurity. Participants envisioned changes to the food bank system to increase community food security including improved food quality and quantity (short-term), changes to service delivery and increased connections with health services (capacity building), and a greater role in poverty reduction advocacy (system redesign). Copyright © 2018. Published by Elsevier Ltd.

  1. Monetary policy change of the Central bank of Poland

    Directory of Open Access Journals (Sweden)

    Kraś Ireneusz

    2015-07-01

    Full Text Available The National Bank of Poland is an institution which, in conjunction with the government is responsible for the implementation of country’s economic policy reinforces its democratic character. Provisions of its operation are governed by the Constitution of The Republic of Poland and by the Act on the National Bank of Poland. To this end, the objective of the present research is to analyse the proposed amendments in the Act on the NBP. The latter concerns the amendment procedures, term of office and the rotations and numbers of Monetary Policy Council. The remaining part of the analyses is dedicated to the issue of dismissal of a MPC’s member in conjunction with the prohibition of occupying other positions, the adoption of the NBP’s financial statements and the separation of instruments of monetary policy’s instruments for stability of domestic financial system. Introduced changes in the proposed draft reduce the independence of the NBP while making it more subject to the Cabinet. Following the result of further consultations on the draft of Act on the NBP, provisions which reduce the independence of the NBP shall be partially removed.

  2. Hormone replacement therapy: changes in frequency and type of prescription by Dutch GPs during the last decade of the millenium.

    NARCIS (Netherlands)

    Donker, G.A.; Spreeuwenberg, P.; Bartelds, A.I.M.; Velden, K. van der; Foets, M.

    2000-01-01

    Objective: The present study was conducted in order to determine the change of frequency and type of hormone replacement therapy (HRT) regimen newly prescribed by Dutch GPs. Methods: A comparison was made of two data sets (multi-stage random samples) collected in 1987/88 and from 1995 to 1998

  3. Policy alienation of Dutch public sector professionals: An exploratory case analysis

    NARCIS (Netherlands)

    L.G. Tummers (Lars); V.J.J.M. Bekkers (Victor); A.J. Steijn (Bram)

    2007-01-01

    textabstractIn 2004 Dutch government changed the law regarding the welfare benefits that disabled citizens receive on behalf of the state. This followed a rise of the number of recipients between 1987 and 2003 from 805.000 to 982.000. In 2003, approximately 10 % of the Dutch workforce was dependent

  4. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  5. Major changes ahead for Dutch energy sector

    International Nuclear Information System (INIS)

    Kort, C.J.M.

    1996-01-01

    The Dutch energy distribution companies are again facing important adaptations to current market forces. The operational activities of the conventional energy distribution companies are split into monopoly tasks and commercial activities. By separation of functions and by further technological developments and market trends quite different types of companies will emerge, such as grid operators, energy-telecommunications-environment concerns and energy sellers. Some companies will focus on grid operation, while others will clearly opt for more commercial enterprising. Just like other private companies energy companies will develop new activities in other markets based on their own corporate strategies. Grid operation may then become only a mirror element or be abandoned altogether. 5 figs

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

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2017-02-01

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

  7. Assessing the performance of Dutch local energy companies

    International Nuclear Information System (INIS)

    Blokhuis, Erik; Advokaat, Bart; Schaefer, Wim

    2012-01-01

    According to binding European Union agreements, the Netherlands has to cover at least 14% of its total energy use with renewable energy sources by 2020. However, the share of renewable energy in the Netherlands is small and hardly increasing. In 2010, renewable energy in the Netherlands accounted for only 3.8% of the national energy use, and has decreased with 0.4% compared to 2009. A cause of the stagnating renewable energy generation in the Netherlands is the absence of a nation-wide, clear and consistent long-term policy on the introduction of renewable energy. In order to overcome the current standstill in renewable energy adoption, several Dutch municipalities take the initiative and establish Local Energy Companies (LECs). However, to date, it is unclear which LEC type performs best. This research aims to compare the performance of existing LECs on three aspects: technology, finance, and organization. Furthermore, the performance of existing LECs is compared with theoretical reference LECs, in order to estimate efficiencies and opportunities for improvements. Finally, the influence of the recent changes in the Dutch subsidy scheme on LEC performance is examined. In order to achieve these aims, the benchmark method Data Envelopment Analysis is employed. - Highlights: ► Dutch Local Energy Companies (LECs) producing heat perform best in cost efficiency. ► Technical efficiency is highest in Dutch Local Energy Companies employing wind energy. ► Theoretical assumptions concerning LEC performance are not yet achieved in practice. ► The self supply model adds to the profitability of LECs, independent from subsidies. ► Recent changes in Dutch subsidy schemes add little to LECs’ financial performance.

  8. Indonesianisasi of Dutch economic interests, 1930-1960 : The case of Internatio

    Directory of Open Access Journals (Sweden)

    Jasper van der Kerkhof

    2005-01-01

    Full Text Available This article looks in detail into the process of indonesianisasi at Internatio, a major Dutch trading firm in Indonesia. I draw on Dutch archival records and the voluminous Dutch and international literature on the changing environment for Dutch private business in Indonesia in the 1950s. Internatio’s case is particularly instructive for the following reasons: – Internatio was a leading trading firm in Indonesia and regarded as a ‘trendsetter’ among the so-called ‘Big Five’, the leading Dutch import houses in the archipelago. – Successive Indonesian cabinets considered import trade crucial in the process of indonesianisasi, and for this reason the sector was targeted for policies aimed at wresting control from Dutch firms and encouraging the development of indigenous ones. – Internatio had a pivotal role in the Indonesian economy due to its extensive interests, not only in import trade but also in exports, estates, manufacturing, shipping, and insurance. The article is chronologically structured, distinguishing five periods: depression and diversification (1930-1940; the end of Dutch supremacy (1940-1945; revolution and rehabilitation (1945-1950; adjusting to new realities (1950- 1956; confrontation and nationalization (1956-1960.

  9. Dutch food bank parcels do not meet nutritional guidelines for a healthy diet

    NARCIS (Netherlands)

    Neter, Judith E; Dijkstra, S Coosje; Visser, Marjolein; Brouwer, Ingeborg A

    Nutritional intakes of food bank recipients and consequently their health status largely rely on the availability and quality of donated food in provided food parcels. In this cross-sectional study, the nutritional quality of ninety-six individual food parcels was assessed and compared with the

  10. Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC

    OpenAIRE

    Arshad, Rizwan

    2012-01-01

    The current study aimed at investigating the impact of foreign banks on domestic banks in (Brazil, Russia, India and China) BRIC group of countries during 2001-2011. The importance of this topic is due to instability of financial industry and continuously changing financial markets. Financial liberalization did not only give boom to banking industry but also made it more competitive and unstable. To stay in competition, banks follow risky practices that do not only create problems within fina...

  11. Paper Money Value Change: Comparative Banking Fiqhiyyah Study

    Directory of Open Access Journals (Sweden)

    Hamzah Abdul Karim Hamid

    2015-10-01

    Full Text Available This article considered one of the significant issues in Islamic financial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murabahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then, and not the actual amount. Furthermore, it shows that the treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silver.DOI: 10.15408/aiq.v5i1.2115

  12. MUSYARAKAH FINANCE PROSPECT IN ISLAMIC BANK IN THE FACE OF ASEAN ECONOMIC COMMUNITY (MEA

    Directory of Open Access Journals (Sweden)

    Ahmad Supriyadi

    2016-11-01

    Full Text Available In the era of Dutch colonial, the majority of entrepreneurs in Central Java and Yogyakarta come from the students. But after Indonesian independence, the students did not show up in the business world because of political policy. Nowadays the entrepreneur students bounced back with Islamic banks that one of its products is a Musharakah finance. Musharakah finance deal with the birth of the free market, namely the ASEAN Economic Community so that the question arises how the prospect Musharakah finance in Indonesian Islamic banks of facing the ASEAN Economic Community (AEC. This paper aims to describe the prospect of Musharakah finance to face AEC. The results showed that the Musharakah finance has a lot of prospects such as financing products that can be performed well and have a competitive value because it has a solid legal basis. From the network side, Islamic banks have been supported by a network offices that much better at home and abroad with excellent quality customer service. In addition, the presence Bank Indonesia blueprint of the Islamic banking institution can strengthen the Musharakah finance products so that can be applied in the ASEAN Economic Community (AEC.

  13. Reliability and validity of the Dutch version of the Readiness to Change Questionnaire.

    Science.gov (United States)

    Defuentes-Merillas, L; Dejong, C A J; Schippers, G M

    2002-01-01

    The aim of the present study was to evaluate the psychometric properties of the Dutch version of the Readiness to Change Questionnaire (RCQ-D). The subjects were 246 excessive drinkers admitted to an addiction treatment centre and 54 offenders convicted of an alcohol-related crime in The Netherlands. The factor structure of the RCQ-D for the two samples combined was found to be consistent with the three-factor structure established for the original RCQ. The reliability of the items for each scale was found to be satisfactory. Allocated stage of change showed significant differences between the different subsamples. As expected, the scale scores for adjacent stages of change showed significantly higher inter-correlations than the scale scores for non-adjacent stages. Additionally, the negatively formulated items from the pre-contemplation scale were reformulated positively and their internal consistency tested among the offender sample. The positively formulated pre-contemplation items showed a higher alpha value than the negatively formulated items. We therefore suggest that the positively formulated items should replace the negatively formulated ones.

  14. Seasonal variation in the Dutch bovine raw milk composition.

    Science.gov (United States)

    Heck, J M L; van Valenberg, H J F; Dijkstra, J; van Hooijdonk, A C M

    2009-10-01

    In this study, we determined the detailed composition of and seasonal variation in Dutch dairy milk. Raw milk samples representative of the complete Dutch milk supply were collected weekly from February 2005 until February 2006. Large seasonal variation exists in the concentrations of the main components and milk fatty acid composition. Milk lactose concentration was rather constant throughout the season. Milk true protein content was somewhat more responsive to season, with the lowest content in June (3.21 g/100 g) and the highest content in December (3.38 g/100 g). Milk fat concentration increased from a minimum of 4.10 g/100 g in June to a maximum of 4.57 g/100 g in January. The largest (up to 2-fold) seasonal changes in the fatty acid composition were found for trans fatty acids, including conjugated linoleic acid. Milk protein composition was rather constant throughout the season. Milk unsaturation indices, which were used as an indication of desaturase activity, were lowest in spring and highest in autumn. Compared with a previous investigation of Dutch dairy milk in 1992, the fatty acid composition of Dutch raw milk has changed considerably, in particular with a higher content of saturated fatty acids in 2005 milk.

  15. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  16. Ordering the Preference Hierarchies for Internal Finance, Bank Loans, Bond and Share Issues

    OpenAIRE

    Leo de Haan; Jeroen Hinloopen

    2002-01-01

    We estimate the incremental financing decision for a sample of some 150Dutch companies for the years 1984 through 1997, thereby distinguishinginternal finance and three types of external finance: bank borrowing, bondissues and share issues. First, we estimate a multinomial logit model whichconfirms several predictions of both the static trade-off theory and thepecking-order theory as to the determinants of financing choices. Next, weuse ordered probit models to determine which financing hiera...

  17. Will Dutch Become Flemish? Autonomous Developments in Belgian Dutch

    Science.gov (United States)

    Van de Velde, Hans; Kissine, Mikhail; Tops, Evie; van der Harst, Sander; van Hout, Roeland

    2010-01-01

    In this paper a series of studies of standard Dutch pronunciation in Belgium and the Netherlands is presented. The research is based on two speech corpora: a diachronic corpus of radio speech (1935-1995) and a synchronic corpus of Belgian and Netherlandic standard Dutch from different regions at the turn of the millennium. It is shown that two…

  18. Choosing a health plan: are Dutch consumers loyal to their health insurer?

    NARCIS (Netherlands)

    Hendriks, M.; Groenewegen, P.P.; Delnoij, D.M.J.

    2006-01-01

    In 2006, a number of far-reaching reforms have been implemented in the Dutch health insurance system. Giving Dutch consumers the freedom to change health plans every year increases consumer mobility. The idea is that especially consumers who are dissatisfied with their insurer will decide to switch

  19. [Acute otitis media: do not change the Dutch practice guideline].

    Science.gov (United States)

    Damoiseaux, Roger A M J

    2012-01-01

    Two recent clinical trials have again shown that antibiotics are effective in the management of young children with acute otitis media (AOM). Should this change our reserved attitude towards the use of antibiotics? According to the rules for evidence-based medicine, we cannot ignore the vast body of evidence already existing unless new trials are methodologically better and their results differ from previous trials. This does not seem to be the case. The patient characteristics of these trials are similar to those of a previously published individual patient data meta-analysis. The primary outcome 'symptom scores' reported by Hoberman et al. is also comparable, but Tähtinen et al. may have overestimated the effect of antibiotics. Their primary outcome 'time to treatment failure' does not take later improvement or recovery into account. In both trials, the greatest benefit is related to otoscopic recovery of AOM, which is clinically not the most relevant outcome. For now, there is no reason to adapt the current AOM practice guideline of the Dutch College of General Practitioners.

  20. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  1. Dutch Sport Federations Changing into Market Oriented Organizations: The Institutional Theory Applied on Three Case Studies

    NARCIS (Netherlands)

    Marije van 't Verlaat

    2007-01-01

    In 2005 and 2006, almost sixty Dutch National Sport Federations (NSFs) participated in a special program for creating a marketing strategy for the next four years. This program was initiated and organized by NOC*NSF (the Dutch Olympic Umbrella Sports Organization). The NSFs had to joint the project

  2. Climate change effects on the biodiversity of the BES islands : assessment of the possible consequences for the marine and terrestrial ecosystems of the Dutch Antilles and the options for adaptation measures

    NARCIS (Netherlands)

    Debrot, A.O.; Bugter, R.J.F.

    2010-01-01

    Due to their vulnerability and low capacity to adapt, the impact of climate change on small island nations will be far larger compared to larger countries. The Dutch BES islands (Bonaire, St. Eustatius and Saba) form part of the Caribbean global biodiversity hotspot area. The leeward Dutch islands

  3. Rostering at a Dutch Security Firm

    NARCIS (Netherlands)

    R. Freling (Richard); N. Piersma (Nanda); A.P.M. Wagelmans (Albert); A. van de Wetering

    2001-01-01

    textabstractThe roster planning process at the Dutch security firm NVD was traditionally carried out by hand. A few years ago, because of changing labor laws in The Netherlands, this became practically impossible. We developed a decision support system which has four main modules. The first one

  4. The financing behavior of Dutch firms

    NARCIS (Netherlands)

    Chen, Linda H.; Jiang, George J.

    2001-01-01

    This paper investigates the financing behaviour of Dutch firms by testing whether a firm’s financing decisions are determined by certain factors identified in various theories. Since a firm’s financing decision is reflected in the changes of its leverage, our research focuses on the relationship

  5. The changing trend in marketing of financial services: an empirical study on bank performance in Nigeria

    Directory of Open Access Journals (Sweden)

    Abiodun Eniola Alao

    2014-07-01

    Full Text Available The long years of marketing practices in the Nigerian banking industry has recorded low level standards relative to global standard practice. The effect on the overall industry performance measurable basically in terms of customer satisfaction, customer loyalty and brand equity has been on the negativity. In some cases, banks overall performance level was never assessed based on customer orientation, value and other customer related measures rather on some quick financial indicators. This poor orientation towards marketing has rather become a forgone especially in the banking area of financial services in Nigeria. This study was therefore conducted to examine the changing trend towards embracing marketing philosophy and the extent of the banks’ performance level in response to changing expectations of customers. Theoretical issues relating marketing, customer philosophy, financial marketing, customer loyalty, satisfaction, and brand equity were explored to establish the key performance variables and the existing relationships amongst them. Empirical study was equally carried out with the use of questionnaire, administered on randomly selected banks’ customers and management staff. Data collected were analyzed on the basis of critical measures which include customer awareness, market sensitivity to financial delivery, customer profile and sophistication through the use of Spearman Rank Correlation Coefficient. The result among other things shows that there is a significant relationship between the new trend towards marketing orientation, financial services in the banking industry and performance level. Based on this study, we recommend improved marketing performance and training to enhance service delivery, customer satisfaction, and customer loyalty across all banks in the geographical places of the Nigerian financial markets.

  6. Changes in vegetation and soil seed bank of meadow after waterlogging caused by Castor fiber

    Directory of Open Access Journals (Sweden)

    Magdalena Franczak

    2015-07-01

    Full Text Available Soil waterlogging is among abiotic stresses that influence species composition and productivity in numerous plant communities. The aim of the study was to find answer to the question of how waterlogging caused by beavers’ activity induces quantitative and qualitative changes of vegetation and soil seed bank levels of variable-moist meadows. An immediate effect of the waterlogging at the level of vegetation was the decline in species richness and a decrease in the values of the biodiversity index. Water stress inhibited growth and development of plants already present and, primarily, impeded recruitment of new individuals of species characteristic of variable-moist meadows, e.g. Cirsium rivulare, Filipendula ulmaria and Lythrum salicaria, which were replaced by Carex acutiformis. Prolonged waterlogging did not induce equally substantial changes in the soil seed bank as in the vegetation. Both in the waterlogged and control patches, slightly decreased species richness and biodiversity index were recorded. After waterlogging withdrawal, the reserves of the soil seed bank were slightly higher than the initial values. The differences were not statistically significant. In the waterlogged patch, the qualitative floristic similarity between taxa identified in the soil seed bank and vegetation cover declined, which was evidenced by the value of Jaccard’s index decreasing from 0.46 to 0.36. A reverse relationship was found in control patch, where the value of the similarity index slightly increased from 0.41 to 0.48.

  7. Tolerance at arm's length: the Dutch experience.

    Science.gov (United States)

    Schuijer, J

    1990-01-01

    With respect to pedophilia and the age of consent, the Netherlands warrants special attention. Although pedophilia is not as widely accepted in the Netherlands as sometimes is supposed, developments in the judicial practice showed a growing reservedness. These developments are a spin-off of related developments in Dutch society. The tolerance in the Dutch society has roots that go far back in history and is also a consequence of the way this society is structured. The social changes of the sixties and seventies resulted in a "tolerance at arm's length" for pedophiles, which proved to be deceptive when the Dutch government proposed to lower the age of consent in 1985. It resulted in a vehement public outcry. The prevailing sex laws have been the prime target of protagonists of pedophile emancipation. Around 1960, organized as a group, they started to undertake several activities. In the course of their existence, they came to redefine the issue of pedophilia as one of youth emancipation.

  8. Paper Money Value Change: Comparative Banking Fiqhiyyah Study

    Directory of Open Access Journals (Sweden)

    Hamzah Abdu Karim

    2015-10-01

    Full Text Available This article considered one of the significant issues in Islamicfinancial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murâbahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then,and not the actual amount. Furthermore, it shows that the  treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silverDOI: 10.15408/aiq.v5i1.2561

  9. Clinical practice: neonatal resuscitation. A Dutch consensus

    NARCIS (Netherlands)

    van den Dungen, F.A.M.; van Veenendaal, M.B.; Mulder, A.L.M.

    2010-01-01

    The updated Dutch guidelines on Neonatal Resuscitation assimilate the latest evidence in neonatal resuscitation. Important changes with regard to the 2004 guidelines and controversial issues concerning neonatal resuscitation are reviewed, and recommendations for daily practice are provided and

  10. Inventory of Dutch National Research on Global Climate Change: Inside and outside the National Research Programme

    International Nuclear Information System (INIS)

    Smythe, K.D.; Bernabo, C.; Kingma, J.; Vrakking, W.

    1993-04-01

    This report contains brief descriptions of research projects in the field of global climate change, performed both within and outside the Dutch National Research Programme on Global Air Pollution and Climate Change (NRP). The descriptions result from a survey of the major research institutions in The Netherlands, conducted by two consultancies (Science and Policy Associates, SPA and Holland Consulting Group, HCG) at the request of the NRP. The inventory had to be completed within a relatively brief period; it is thus unavoidable that one or more projects may sometimes contain inaccuracies. Taken as a whole, this report presents a good picture of the Dutch research activities in this area. The scope and structure of this survey and the contents of this report are based on a request for information from the World Meteorological Organization (WMO) for an intergovernmental meeting on the World Climate Programme (WCP), held on 14-16 April 1993. The WMO request emphasised activities related to the WCP and its associated programmes. The database resulting from this exercise will be a useful tool for organisations which sponsor and conduct research into global climate change in their efforts to stimulate cooperation and to promote coordination between the research groups in The Netherlands and abroad. There are plans to update the inventory in the future and to provide the information to participating organisations in The Netherlands, as well as to research organisations in other countries. An overview of the current research is provided in Volume 1, a list of projects being provided in Annex 3. The projects are presented according to the themes and subthemes which are used in the NRP

  11. The Changing Landscape Of The Indian Banking Industry: An Empirical Study

    OpenAIRE

    Sivakumar Venkataramany; Balbir B. Bhasin

    2012-01-01

    While global financial deregulation has led to liberalization of financial services and thus to modernization of commercial banking, industrialized economies are facing a financial meltdown. The health of the major global banking industry is under severe stress, but India continues to be strong. Despite cost prohibitive efforts in the introduction of a range of new products and services, banks in India are striving to emerge from an era of development banking into consumer-oriented supermarke...

  12. RUSSIAN BANK ACTIVITY STRATEGIC MANAGEMENT PROBLEMS

    Directory of Open Access Journals (Sweden)

    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.

  13. Dutch School in Geneva

    CERN Multimedia

    2011-01-01

    The Dutch School in Geneva organizes Dutch education for children in the primary and secondary school. For the school year 2011-2012 the Dutch School in Geneva is looking for qualified part time teachers Dutch for the primary and secondary school. If you are interested, please send your application and curriculum vitae in Dutch by email to the NTC coordinator, Mrs. Anne Saeys (anne.saeys@free.fr). More info : www.ntcgeneve.info De vereniging Nederlandse Taal en Cultuur De Taalfontein, kortweg NTC Genève, is een oudervereniging, die tot doel heeft de Nederlandse taal en de Nederlandse en Vlaamse cultuur in de regio Genève te stimuleren. Dit geschiedt d.m.v. het organiseren van Nederlandse les voor leerlingen zowel in het basisonderwijs als het voortgezet onderwijs. Voor het volgende schooljaar zoekt NTC parttime docenten (M/V) vanaf 2 uur per week, zowel voor het Primair Onderwijs als voor het Voortgezet Onderwijs, met name voor de IB-opleiding. Voor het Primair Onderwijs dienen ge&...

  14. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  15. Contemporary models of access to bank customers

    Directory of Open Access Journals (Sweden)

    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.

  16. Economic assessment of Dutch agricultural research

    NARCIS (Netherlands)

    Poppe, K.J.

    2008-01-01

    To cope with globalisation and other changes in the industry, in the last 20 years the Dutch Ministry of Agriculture has reorganised its system for education, extension and research considerably. It moved away from the concept of a linear process of innovation to that of an agro-innovation system.

  17. Rostering at a Dutch Security Firm

    NARCIS (Netherlands)

    R. Freling (Richard); N. Piersma (Nanda); A.P.M. Wagelmans (Albert); A. van de Wetering

    2001-01-01

    textabstractThe roster planning process at the Dutch security firm NVD was traditionally carried out by hand. A few years NVD was traditionally carried out by hand. A few years ago, because of changing labor laws in the Netherlands, this became practically impossible. We developed a decision support

  18. Attitude change in a realistic experiment: the effect of party membership and audience reaction during an interview with a Dutch politician

    NARCIS (Netherlands)

    Wiegman, O.

    1987-01-01

    In this realistic experiment, an interview with the leader of the Liberals in the Dutch Parliament was recorded in the presence of a live audience, which reacted in a positive, negative, or neutral way. It was shown to subjects of two opposing political parties, whose attitudes were to be changed by

  19. 75 FR 1621 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-12

    ..., 2010. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. John E. Helgerson, Ottumwa, Iowa; to acquire additional shares...

  20. Measuring everyday functional competence using the Rasch assessment of everyday activity limitations (REAL) item bank.

    Science.gov (United States)

    Oude Voshaar, Martijn A H; Ten Klooster, Peter M; Vonkeman, Harald E; van de Laar, Mart A F J

    2017-11-01

    Traditional patient-reported physical function instruments often poorly differentiate patients with mild-to-moderate disability. We describe the development and psychometric evaluation of a generic item bank for measuring everyday activity limitations in outpatient populations. Seventy-two items generated from patient interviews and mapped to the International Classification of Functioning, Disability and Health (ICF) domestic life chapter were administered to 1128 adults representative of the Dutch population. The partial credit model was fitted to the item responses and evaluated with respect to its assumptions, model fit, and differential item functioning (DIF). Measurement performance of a computerized adaptive testing (CAT) algorithm was compared with the SF-36 physical functioning scale (PF-10). A final bank of 41 items was developed. All items demonstrated acceptable fit to the partial credit model and measurement invariance across age, sex, and educational level. Five- and ten-item CAT simulations were shown to have high measurement precision, which exceeded that of SF-36 physical functioning scale across the physical function continuum. Floor effects were absent for a 10-item empirical CAT simulation, and ceiling effects were low (13.5%) compared with SF-36 physical functioning (38.1%). CAT also discriminated better than SF-36 physical functioning between age groups, number of chronic conditions, and respondents with or without rheumatic conditions. The Rasch assessment of everyday activity limitations (REAL) item bank will hopefully prove a useful instrument for assessing everyday activity limitations. T-scores obtained using derived measures can be used to benchmark physical function outcomes against the general Dutch adult population.

  1. 12 CFR 225.124 - Foreign bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.124 Foreign bank holding companies. (a) Effective December 1, 1971, the... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Foreign bank holding companies. 225.124 Section...

  2. REGULATION AND SUPERVISION OF BANKING ACTIVITY IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2015-04-01

    Full Text Available The main challenges currently faced by most central banks are generated by the effects of the economic and financial crisis. Thus, at the national, European and international level there is a trend of changing the economic governance structures and improving the regulatory and supervisory policies, focusing on macro-prudential oversight. In the context of changes at the European Union level, the central banks of the Member States become also subject to changes in their carried out actions. The objectives of this research aim mainly at: highlighting the role of the National Bank of Romania in regulating and supervising the banking system in Romania and analyzing the measures implemented by the National Bank of Romania after the crisis so far; identifying the challenges of the National Bank of Romania on the basis of changes operated by European Union at the supervisory framework level.

  3. Sustainable purchase. Impact on the Dutch real estate market

    International Nuclear Information System (INIS)

    Kok, N.

    2009-08-01

    The effect of the sustainable procurement policy of the Dutch government is starting to become visible in the market. There is a distinct movement towards making the existing stock more sustainable. Investors are responding to the changing demand. This is the outcome of a study commissioned by SenterNovem with respect to the impact of sustainable procurement on the office building market. The Dutch government envisages 100% sustainable procurement in 2010. This also includes renting and purchasing office buildings. [nl

  4. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  5. 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.

  6. Semidiurnal Temperature Changes Caused by Tidal Front Movements in the Warm Season in Seabed Habitats on the Georges Bank Northern Margin and Their Ecological Implications

    Science.gov (United States)

    Guida, Vincent G.; Valentine, Page C.; Gallea, Leslie B.

    2013-01-01

    Georges Bank is a large, shallow feature separating the Gulf of Maine from the Atlantic Ocean. Previous studies demonstrated a strong tidal-mixing front during the warm season on the northern bank margin between thermally stratified water in the Gulf of Maine and mixed water on the bank. Tides transport warm water off the bank during flood tide and cool gulf water onto the bank during ebb tide. During 10 days in August 2009, we mapped frontal temperatures in five study areas along ∼100 km of the bank margin. The seabed “frontal zone”, where temperature changed with frontal movment, experienced semidiurnal temperature maxima and minima. The tidal excursion of the frontal boundary between stratified and mixed water ranged 6 to 10 km. This “frontal boundary zone” was narrower than the frontal zone. Along transects perpendicular to the bank margin, seabed temperature change at individual sites ranged from 7.0°C in the frontal zone to 0.0°C in mixed bank water. At time series in frontal zone stations, changes during tidal cycles ranged from 1.2 to 6.1°C. The greatest rate of change (−2.48°C hr−1) occurred at mid-ebb. Geographic plots of seabed temperature change allowed the mapping of up to 8 subareas in each study area. The magnitude of temperature change in a subarea depended on its location in the frontal zone. Frontal movement had the greatest effect on seabed temperature in the 40 to 80 m depth interval. Subareas experiencing maximum temperature change in the frontal zone were not in the frontal boundary zone, but rather several km gulfward (off-bank) of the frontal boundary zone. These results provide a new ecological framework for examining the effect of tidally-driven temperature variability on the distribution, food resources, and reproductive success of benthic invertebrate and demersal fish species living in tidal front habitats. PMID:23405129

  7. Semidiurnal temperature changes caused by tidal front movements in the warm season in seabed habitats on the georges bank northern margin and their ecological implications.

    Science.gov (United States)

    Guida, Vincent G; Valentine, Page C; Gallea, Leslie B

    2013-01-01

    Georges Bank is a large, shallow feature separating the Gulf of Maine from the Atlantic Ocean. Previous studies demonstrated a strong tidal-mixing front during the warm season on the northern bank margin between thermally stratified water in the Gulf of Maine and mixed water on the bank. Tides transport warm water off the bank during flood tide and cool gulf water onto the bank during ebb tide. During 10 days in August 2009, we mapped frontal temperatures in five study areas along ∼100 km of the bank margin. The seabed "frontal zone", where temperature changed with frontal movment, experienced semidiurnal temperature maxima and minima. The tidal excursion of the frontal boundary between stratified and mixed water ranged 6 to 10 km. This "frontal boundary zone" was narrower than the frontal zone. Along transects perpendicular to the bank margin, seabed temperature change at individual sites ranged from 7.0°C in the frontal zone to 0.0°C in mixed bank water. At time series in frontal zone stations, changes during tidal cycles ranged from 1.2 to 6.1°C. The greatest rate of change (-2.48°C hr(-1)) occurred at mid-ebb. Geographic plots of seabed temperature change allowed the mapping of up to 8 subareas in each study area. The magnitude of temperature change in a subarea depended on its location in the frontal zone. Frontal movement had the greatest effect on seabed temperature in the 40 to 80 m depth interval. Subareas experiencing maximum temperature change in the frontal zone were not in the frontal boundary zone, but rather several km gulfward (off-bank) of the frontal boundary zone. These results provide a new ecological framework for examining the effect of tidally-driven temperature variability on the distribution, food resources, and reproductive success of benthic invertebrate and demersal fish species living in tidal front habitats.

  8. 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...

  9. Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions

    Directory of Open Access Journals (Sweden)

    Roro Hindun

    2016-12-01

    Full Text Available People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders.   Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA

  10. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... Maryland, Rockville, Maryland. B. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community... Russell Bauman, both of Kerkhoven, Minnesota, as individuals and members of the Bauman Family Control...

  11. 77 FR 71593 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-03

    ... December 17, 2012. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen Wellington, Jr., Saint Paul...

  12. Price asymmetry in the Dutch retail gasoline market

    International Nuclear Information System (INIS)

    Bettendorf, L.; Van der Geest, S.A.; Varkevisser, M.

    2002-01-01

    This paper analyses retail price adjustments in the Dutch gasoline market. We estimate an asymmetric error correction model on weekly price changes for the years 1996 to 2001. We construct five datasets, one for each working day. The conclusions on asymmetric pricing are shown to differ over these datasets, suggesting that the choice of the day for which prices are observed matters more than commonly believed. In our view, the insufficient robustness of outcomes might explain the mixed conclusions found in the literature. Using two approaches, we also show that the effect of asymmetry on Dutch consumer costs is negligible

  13. The Dutch gas policy: 'Dutch disease' or imaginary disease. CERI Studies Nr 11

    International Nuclear Information System (INIS)

    Crowley, John

    1998-04-01

    The Netherlands are the first European gas producer and exporter. The author proposes an analysis of the gas policy of this country. He first recalls some elements of context: peculiarities of energy as a domain of public policy, and characteristics of the Dutch political system. He recalls the historical development of the Dutch gas industry from the 1960's: political economics of natural gas and of competing fuels, development of the Groningen site as the keystone of the Dutch gas policy, and regulation of the industrial sector. In the next part, the author comments the emergence of energy as a topic of public debate from 1995, and how the Dutch gas policy has been put into question again: actors and interaction dynamics, stakes, present policy and perspectives

  14. Perceptions of oocyte banking from women intending to circumvent age-related fertility decline.

    Science.gov (United States)

    de Groot, Marije; Dancet, Eline; Repping, Sjoerd; Goddijn, Mariette; Stoop, Dominic; van der Veen, Fulco; Gerrits, Trudie

    2016-12-01

    Women can now opt to bank their oocytes with the intention of increasing their chances of achieving a pregnancy after their fertility has declined. This exploratory study aimed to gain insight into how women, considering oocyte banking to circumvent age-related fertility decline, perceive this intervention. We conducted a qualitative study in a Dutch university medical center and held in-depth interviews with women on the waiting list for oocyte banking. We recorded the interviews, transcribed them verbatim and used thematic analysis. All women were financially independent and lived in single-person urban households. They opted for oocyte banking because they wished to share parenthood with a future partner rather than becoming a single parent. This strong desire was key in their interpretation of all aspects of the intervention. Women set aside information about the limited success rates and potential risks, as they were optimistic about their own prognosis, thought that the chances for success were equally likely as the chances it would fail, and because of "anticipatory regret". They perceived oocyte banking as a "helping hand" to achieve shared parenthood. Although women found the costs of the intervention high, they were willing to invest their money to increase their chances for shared parenthood. Oocyte banking allows women to circumvent age-related fertility decline. The prospect of potential shared parenthood overrules the perceived health risks and burden. Health professionals should take this into account when informing potential users of oocyte banking. © 2016 Nordic Federation of Societies of Obstetrics and Gynecology.

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

    Directory of Open Access Journals (Sweden)

    Yibing Chen

    2014-01-01

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

  16. 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.

  17. 76 FR 6792 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-08

    ... February 23, 2011. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell Craig Flom, Edina, Minnesota; to...

  18. 77 FR 48156 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-13

    ... Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue... Dakota; Jeffrey Topp, Grace City, North Dakota; Janet Topp, Grace City, North Dakota; and Roger Kenner...

  19. Land use changes caused by bank erosion along the lower part of the Bosna river from 2001 to 2013

    Directory of Open Access Journals (Sweden)

    Tošić Radislav

    2014-01-01

    Full Text Available The river channel dynamics are result of the complex interaction between natural and human impact. In the presented study, we assessed spatial and temporal dynamics of Bosna river channel migration during 2001-2013 period using orthophoto images and GIS. We have identified that the total area of bank erosion during given period equaled 2.8695 km2, of which 1.2178 km2 were on the left bank and 1.6516 km2 on the right bank. The total area of bank accretion from 2001 to 2013 equaled 2.6841 km2, of which 1.2864 km2 was on the left bank and 1.3977 km2 on the right bank. The Bosna riverbed average movement in the period 2001-2013 was established in the amount of 60.7 m. During this period, the average lateral channel migration was 5.05 m per year. Lateral migration of the Bosna River has caused serious problems: disappearance of arable land, forests, pastures and meadows, economic loss due to the reduction of agricultural. Using statistical analysis of a land use structure changes along the lower part of Bosna River, we obtained the results which show significant lost in arable land. According to results, 42.3 ha of arable land, 171.9 ha forests and 31.8 ha pastures and meadows were lost during 2001-2013 period. The data presented here are significant for practical issues such as predicting channel migration rates for engineering and planning purposes, soil and water management. [Projekat Ministarstva nauke Republike Srbije, br. 43007: The Research on Climate Change Influences on Environment: Influence Monitoring, Adaptation and Mitigation, subproject No. 9: Torrential Floods Frequency, Soil and Water Degradation as the Consequence of Global Changes

  20. Risk evaluation in Dutch land-use planning

    NARCIS (Netherlands)

    Xanten, van N.H.W.; Pietersen, C.M.; Pasman, H.J.; Torn, van der P.; Vrijling, H.K.; Wal, van der A.J.; Kerstens, J.G.M.

    2014-01-01

    In Dutch external safety policy, the acceptance of risk for the population in areas surrounding hazardous substances establishments is based on a limit value for individual risk (IR). Additionally, changes to societal risk (SR) must be justified. A specific software program (SAFETI-NL) with the

  1. 12 CFR 611.1010 - Bank charter amendment procedures.

    Science.gov (United States)

    2010-01-01

    ... change that is properly the subject of a bank charter; (b) Upon approval of an appropriate resolution by the bank board, the certified resolution, together with supporting documentation, shall be submitted... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank charter amendment procedures. 611.1010...

  2. 77 FR 35386 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-13

    ... June 28, 2012. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell S. King, North Oaks, Minnesota; to...

  3. Perceived antecedents of marital satisfaction among Turkish, Turkish-Dutch, and Dutch couples

    NARCIS (Netherlands)

    Celenk, O.; van de Vijver, F.J.R.

    2013-01-01

    We studied mainstream couples in The Netherlands and Turkey as well as Turkish-Dutch immigrant couples to address cultural factors associated with marital satisfaction. A total of 13 Turkish (mainstream couples living in Turkey), 19 Turkish-Dutch (Turkish immigrant couples living in The

  4. Life-history and ecological correlates of population change in Dutch breeding birds.

    NARCIS (Netherlands)

    Turnhout, van C.A.M.; Foppen, R.P.B.; Leuven, R.S.E.W.; Strien, van A.J.; Siepel, H.

    2010-01-01

    Predicting relative extinction risks of animals has become a major challenge in conservation biology. Identifying life-history and ecological traits related to the decline of species helps understand what causes population decreases and sets priorities for conservation action. Here, we use Dutch

  5. Regulatory Changes and Productivity of the Banking Sector in the Indian Sub-Continent

    OpenAIRE

    Shabbar Jaffry; Yaseen Ghulam; Sean Pascoe; Joe Cox

    2005-01-01

    This study seeks to measure changes in technical efficiency levels within the banking sectors of the Indian sub-continent: specifically India, Pakistan, and Bangladesh, over the period 1993–2002. This study is done in the context of a number of sweeping deregulations across the sub-continent in the early 1990s, and the possible effect these may have had upon efficiency levels. A Malmquist Index of TFP change over the time-period in question is employed, along with a Tobit regression, in order...

  6. 77 FR 20820 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-06

    ... Trust, and Gloria Foley, all of Lovington, Illinois, and Paul Michael Hrvol, Jr. and Paul Michael Hrvol... Bancorp, Inc. and thereby indirectly control Hardware State Bank, both of Lovington, Illinois. Board of...

  7. 'Burnout' among Dutch midwives.

    NARCIS (Netherlands)

    Bakker, R.H.C.; Groenewegen, P.P.; Jabaaij, L.; Meijer, W.; Sixma, H.; Veer, A. de

    1996-01-01

    OBJECTIVE: to determine the effect of workload on 'burnout' having considered work capacity. DESIGN: cross-sectional study. SETTING: Dutch community midwives in independent practice. PARTICIPANTS: 200 Dutch community midwives. MEASUREMENTS: three-week diary recordings, a questionnaire on practice

  8. Dutch elm disease

    Science.gov (United States)

    James W. Walters

    1992-01-01

    Since its discovery in the United States in 1930, Dutch elm disease has killed thousands of native elms. The three native elms, American, slippery, and rock, have little or no resistance to Dutch elm disease, but individual trees within each species vary in susceptibility to the disease. The most important of these, American elm, is scattered in upland stands but is...

  9. 77 FR 60118 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-02

    ..., New York, New York 10045-0001: 1. Muhammad Habib, Kusnacht, Switzerland, and Hamza Habib, Dubai, U.A.E..., Switzerland, and thereby indirectly retain control of Habib American Bank, New York, New York. B. Federal...

  10. Lehman Brothers in the Dutch offshore financial centre: The role of shadow banking in increasing leverage and facilitating debt

    NARCIS (Netherlands)

    Fernandez, R.; Wigger, A.

    2016-01-01

    Credit intermediation outside the regular banking system, or shadow banking, has increased immensely over the past decade. This paper situates this increase against the backdrop of the structural problem of overaccumulation, and thus the absence of profitable reinvestment opportunities in the

  11. Attitude change in a realistic experiment: the effect of party membership and audience reaction during an interview with a Dutch politician

    OpenAIRE

    Wiegman, O.

    1987-01-01

    In this realistic experiment, an interview with the leader of the Liberals in the Dutch Parliament was recorded in the presence of a live audience, which reacted in a positive, negative, or neutral way. It was shown to subjects of two opposing political parties, whose attitudes were to be changed by the experimental interview. The main hypothesis, which predicted more attitude change in the positive than in the negative audience condition, could not in general be supported. The alternative au...

  12. 78 FR 7430 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-02-01

    ..., China; Min Yang Thian of Kuala Lumpur, Malaysia; Min Jie Thian of New York, New York; United Overseas... shares of RBB Bancorp, and thereby indirectly retain voting shares of Royal Business Bank, both in Los...

  13. Marxism and the 'Dutch miracle': the Dutch Republic and the transition-debate

    NARCIS (Netherlands)

    Brandon, P.

    2011-01-01

    The Dutch Republic holds a marginal position in the debate on the transition from feudalism to capitalism, despite its significance in the early stage of the development of global capitalism. While the positions of those Marxists who did consider the Dutch case range from seeing it as the first

  14. Price asymmetry in the Dutch retail gasoline market

    International Nuclear Information System (INIS)

    Bettendorf, Leon; Geest, Stephanie A. van der; Varkevisser, Marco

    2003-01-01

    This article analyses the retail price adjustments in the Dutch gasoline market. We estimate an asymmetric error correction model on weekly price changes for the years 1996-2001. We construct five datasets, one for each working day. The conclusions on asymmetric pricing are shown to differ over these datasets, suggesting that the choice of the day for which the prices are observed matters more than commonly believed. In our view, the insufficient robustness of the outcomes might explain the mixed conclusions found in the literature. Using these two approaches, we also show that the effect of asymmetry on the Dutch consumer costs is negligible. (Author)

  15. Afrikaans and Dutch as closely-related languages: A comparison to West Germanic languages and Dutch dialects

    Directory of Open Access Journals (Sweden)

    Wilbert Heeringa

    2015-02-01

    Full Text Available Following Den Besten’s (2009 desiderata for historical linguistics of Afrikaans, this article aims to contribute some modern evidence to the debate regarding the founding dialects of Afrikaans. From an applied perspective (i.e. human language technology, we aim to determine which West Germanic language(s and/or dialect(s would be best suited for the purposes of recycling speech resources for the benefit of developing speech technologies for Afrikaans. Being recognised as a West Germanic language, Afrikaans is first compared to Standard Dutch, Standard Frisian and Standard German. Pronunciation distances are measured by means of Levenshtein distances. Afrikaans is found to be closest to Standard Dutch. Secondly, Afrikaans is compared to 361 Dutch dialectal varieties in the Netherlands and North-Belgium, using material from the Reeks Nederlandse Dialectatlassen, a series of dialect atlases compiled by Blancquaert and Pée in the period 1925-1982 which cover the Dutch dialect area. Afrikaans is found to be closest to the South-Holland dialectal variety of Zoetermeer; this largely agrees with the findings of Kloeke (1950. No speech resources are available for Zoetermeer, but such resources are available for Standard Dutch. Although the dialect of Zoetermeer is significantly closer to Afrikaans than Standard Dutch is, Standard Dutch speech resources might be a good substitute.

  16. Third Dutch Process Security Control Event

    NARCIS (Netherlands)

    Luiijf, H.A.M.

    2009-01-01

    On June 4th, 2009, the third Dutch Process Control Security Event took place in Amsterdam. The event, organised by the Dutch National Infrastructure against Cybercrime (NICC), attracted both Dutch process control experts and members of the European SCADA and Control Systems Information Exchange

  17. Customer Perspective on Online Mobile Banking in India - An Empirical Study

    OpenAIRE

    Sreeramana Aithal; K. V. M. Varambally

    2015-01-01

    Advancement of technology has brought in radical changes in the banking industry. Computerization and networking, core banking, automatic teller machine connecting any customer of any bank in any branch with a customer in any other bank in the country has made banks customer friendly. One of the latest introduction is mobile banking. A country with the highest number of mobile users, it has enormous potential in changing the outlook of banking in India and reaching the remote v...

  18. The new bank note distribution system

    OpenAIRE

    Gerrit Bilkes

    1997-01-01

    In this article, the author outlines the recent changes made to the way Canada's bank notes are distributed. The new system allows financial institutions to exchange notes directly with one another at designated points across the country, rather than through Bank of Canada agencies, as was previously the case. The institutions communicate with the Bank of Canada through a computerized inventory-management system. Two Bank of Canada operations centres monitor note quality and supply new notes ...

  19. Remembering Dutch-Moluccan radicalism

    DEFF Research Database (Denmark)

    Marselis, Randi Lorenz

    2016-01-01

    This article examines memory politics in relation to radical actions of young Dutch-Moluccans, more specifically a train hijacking in 1977 at the village of De Punt in the Netherlands. The article examines how these historical events were remembered in the drama-documentary television film, De Punt...... of the web debate examines how viewers reacted to this interpretation. The web debate functioned as a participatory forum, where collective and national memories and postcolonial history were intensely discussed, and the debate made room for some degree of reconciliation between viewers of Dutch......-Moluccan and of Dutch majority background...

  20. Dutch voices: exploring the role of oral history in Dutch secondary history teaching

    NARCIS (Netherlands)

    Huijgen, Tim; Holthuis, Paul; Trškan, Danijela

    2016-01-01

    Oral history may enhance students’ historical content knowledge, historical reasoning competencies, and motivation to learn history. However, little is known regarding the role of oral history in Dutch history education. This study therefore explores the role of oral history in Dutch history

  1. Continuity and change in interorganizational project practices : The Dutch shipbuilding industry, 1950-2010

    NARCIS (Netherlands)

    Levering, R.C.; Ligthart, R.; Noorderhaven, N.G.; Oerlemans, L.A.G.

    2013-01-01

    The Dutch shipbuilding industry has a longstanding tradition in project-based production. Recently, industry actors have acknowledged a serious misfit between interorganizational project practices, defined as behaviors related to collaboration, and interorganizational project demands, defined as

  2. Biotechnology : A Dutch perspective

    NARCIS (Netherlands)

    Van Apeldoorn, J.H.F.

    1981-01-01

    Biotechnology: a Dutch Perspective assesses the future potential of biotechnology in the Netherlands. It has been published in English because it is felt that the Dutch case could be of relevance to other industrialised nations. Although the report is aimed primarily at policy planners and decision

  3. Satisfaction Mayhem in the Danish Banking Industry

    DEFF Research Database (Denmark)

    Grünbaum, Niels Nolsøe

    2015-01-01

    Larger Danish banks score lower on customer satisfaction than minor Danish banks. The purpose of this empirical qualitative study is to enlighten this satisfaction paradox. The findings revealed that different satisfactions models are in play. More specifically, the larger banks in Denmark have...... undergone a transformation from a physical realm to a virtual realm. Hence, the personal relationship between the customer and bank employee has also changed. The customer perception of this is rather problematic. More specifically, the changes have diminished customers possibilities to form satisfaction...... judgments. Moreover, the larger banks also loose valuable insights in what the customers value. Without this knowledge a string of strategic business decisions will not be made based on ideal information. The originality of this study is examining and emphasizing coherence in satisfaction models in a buyer...

  4. 75 FR 67731 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-03

    ... November 16, 2010. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. Robert John Dentel, Victor, Iowa, and Mary P...; 8:45 am] BILLING CODE 6210-01-P ...

  5. 75 FR 32778 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-09

    ... June 23, 2010. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. John V. Tippmann, Sr., as an individual, and John V. Tippman, Sr.; John and Helen McCarthy; Richard and Sally Ley; John Tippman, Jr.; Patrick Tippman...

  6. 75 FR 38097 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-01

    ..., 2010. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. John V. Tippmann, Sr., as an individual; John V. Tippmann, Sr.; John and Helen McCarthy; Richard and Sally Ley; John Tippmann, Jr.; Patrick Tippmann; and Brian and...

  7. FRAUDULENT TRANSACTIONS WITH BANK PLASTIC CARDS AS A THREAT TO ECONOMIC SECURITY IN THE BANKING SPHERE

    Directory of Open Access Journals (Sweden)

    Elena V. Ilinich

    2013-01-01

    Full Text Available Banks active development of cashless payments by plastic cards, the growing number of fraudulent transactions and the damage they cause, create new challenges and threats to economic security in the sphere of banking activity. The latest information technologies are active used by organized crime groups, the methods of committing crimes are changing and are not yet adequately reflected by banks and law enforcement agencies.

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  9. Syntactic Atlas of the Dutch Dialects

    NARCIS (Netherlands)

    Barbiers, Sjef; Bennis, Hans; Vogelaer, De Gunther; Devos, Magda; Ham, van der Margreet

    2005-01-01

    Available in a Dutch and English Edition, the Syntactic Atlas of the Dutch Dialects (SAND) provides a detailed overview of the surprisingly rich syntactic variation found in 267 dialects of Dutch at the beginning of the 21th century. 200 full color maps show the geographic distribution of more than

  10. 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...

  11. The Dutch system of education and training in radiation protection. Past, present and future

    International Nuclear Information System (INIS)

    Boersma, Hielke Freerk

    2013-01-01

    The earliest courses in 'Radiation Protection (RP) Education and Training in the Netherlands' date back to the late fifties, a time which saw major developments especially in both nuclear medicine and nuclear power. The Dutch Society for Radiation Protection (NVS - Nederlandse Vereinigung voor Strahlingshygiene), established in 1960, is in fact the result of one of the first RP courses for medical doctors. The current system of recognition of RP courses was implemented in 1984 in Dutch legislation, based on an advice of the Dutch Health Council from 1972 (.). The recognition system has fundamentally remained unchanged since then. Radiation protection courses in the Netherlands based on this system already started in the seventies. After many discussions in the past decade the system will change in the next years in close relation to the start of a system of registration of RPes. In this paper I will start with a short introduction of the Dutch system of RP education and training. I will consecutively describe the background of the future changes in our system. Finally the major changes will be given. In the end I hope to have convinced you of the fact that although we face some major changes in the near future, the basis of the current system of education and training in RP will remain. (orig.)

  12. The Dutch system of education and training in radiation protection. Past, present and future

    Energy Technology Data Exchange (ETDEWEB)

    Boersma, Hielke Freerk [Groningen Univ. (Netherlands). Office of the Univ. Health, Safety and Environment

    2013-09-01

    The earliest courses in 'Radiation Protection (RP) Education and Training in the Netherlands' date back to the late fifties, a time which saw major developments especially in both nuclear medicine and nuclear power. The Dutch Society for Radiation Protection (NVS - Nederlandse Vereinigung voor Strahlingshygiene), established in 1960, is in fact the result of one of the first RP courses for medical doctors. The current system of recognition of RP courses was implemented in 1984 in Dutch legislation, based on an advice of the Dutch Health Council from 1972 (.). The recognition system has fundamentally remained unchanged since then. Radiation protection courses in the Netherlands based on this system already started in the seventies. After many discussions in the past decade the system will change in the next years in close relation to the start of a system of registration of RPes. In this paper I will start with a short introduction of the Dutch system of RP education and training. I will consecutively describe the background of the future changes in our system. Finally the major changes will be given. In the end I hope to have convinced you of the fact that although we face some major changes in the near future, the basis of the current system of education and training in RP will remain. (orig.)

  13. Reliability and validation of the Dutch Achilles tendon Total Rupture Score.

    Science.gov (United States)

    Opdam, K T M; Zwiers, R; Wiegerinck, J I; Kleipool, A E B; Haverlag, R; Goslings, J C; van Dijk, C N

    2018-03-01

    Patient-reported outcome measures (PROMs) have become a cornerstone for the evaluation of the effectiveness of treatment. The Achilles tendon Total Rupture Score (ATRS) is a PROM for outcome and assessment of an Achilles tendon rupture. The aim of this study was to translate the ATRS to Dutch and evaluate its reliability and validity in the Dutch population. A forward-backward translation procedure was performed according to the guidelines of cross-cultural adaptation process. The Dutch ATRS was evaluated for reliability and validity in patients treated for a total Achilles tendon rupture from 1 January 2012 to 31 December 2014 in one teaching hospital and one academic hospital. Reliability was assessed by the intraclass correlation coefficients (ICC), Cronbach's alpha and minimal detectable change (MDC). We assessed construct validity by calculation of Spearman's rho correlation coefficient with domains of the Foot and Ankle Outcome Score (FAOS), Victorian Institute of Sports Assessment-Achilles questionnaire (VISA-A) and Numeric Rating Scale (NRS) for pain in rest and during running. The Dutch ATRS had a good test-retest reliability (ICC = 0.852) and a high internal consistency (Cronbach's alpha = 0.96). MDC was 30.2 at individual level and 3.5 at group level. Construct validity was supported by 75 % of the hypothesized correlations. The Dutch ATRS had a strong correlation with NRS for pain during running (r = -0.746) and all the five subscales of the Dutch FAOS (r = 0.724-0.867). There was a moderate correlation with the VISA-A-NL (r = 0.691) and NRS for pain in rest (r = -0.580). The Dutch ATRS shows an adequate reliability and validity and can be used in the Dutch population for measuring the outcome of treatment of a total Achilles tendon rupture and for research purposes. Diagnostic study, Level I.

  14. 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...

  15. 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.

  16. Comparison between Dutch and German buildings

    Energy Technology Data Exchange (ETDEWEB)

    Lony, R.J.M.; Molenaar, D.J.; Rietkerk, J.; Schuiling, D.J.B.W.; Zeiler, W. [TU/e, Univ. of Technology Eindhoven (Netherlands); Brunk, M. [RWTH Aachen (Germany)

    2006-07-01

    German buildings are often seen as an example to Dutch architects and Dutch building services consultants. Goal of this article is to examine and to understand differences between the Dutch and German top office buildings. Objective is to examine to which extent these buildings were designed intelligently. An Intelligent Building is one that provides a productive cost effective environment through the optimisation of six basic elements; site, skin, systems, structures, services, space plan and staff and the interrelationship between them. Based on these six aspects the comparison is made between Dutch and German buildings. (orig.)

  17. Changes in the geodiversity of Dutch peatlands inferred from 19th and 20th century landscape paintings

    Science.gov (United States)

    Jungerius, Pieter Dirk; van den Ancker, Hanneke; Wevers, Nina

    2013-04-01

    Geodiversity is the natural and cultural range of geological, geomorphological and soil features. We analysed the large database of 19th and early 20th century paintings of Simonis and Buunk (www.Simonis-Buunk.com) to track changes in the geodiversity of Dutch peatlands since pre-photographic times. Peat dominated in two of the eight main landscapes of the Netherlands: the Lowland peats in the Holocene west and the Highland peats in the sandy Pleistocene eastern parts. Painters were mainly attracted by the lowland peats. Since more than thousand years, peat plays a major role in Dutch military security, economy, ecology and cultural life. Natural variety and cultural use resulted in a geodiversity that is unique in Europe. There are more than 100 place names with 'veen' (= peat), and surnames with 'veen' are common. Proof of the exploitation of peat for salt and fuel exists from the Roman times onwards. In the 9th century, peatlands were drained and reclaimed for growing wheat. Already in the 11th century, it was necessary to build dikes to prevent flooding, to control waterlevels to avoid further oxidation, and to convert landuse to grassland. But subsidence continued, and in the 14th century windmills were needed to drain the lands and pump the water out. In the 16th century industrial peat exploitation fuelled the rise of industries and cities. All this draining and digging caused the peat surface to shrink. The few remaining living peats are conserved by nature organisations. Geodiversity and landscape paintings In the peat landscapes, popular painting motives were high water levels, the grasslands of the 'Green Heart', the winding streams and remaining lakes. The paintings of landscapes where peat had been removed, show watermanagement adaptations: wind mills, different water levels, canals made for the transport of fuel, bridges, tow paths and the 'plassen', i.e. the lakes left after peat exploitation. The droogmakerijen (reclaimed lakes), now 2 to 5 m below

  18. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Quoin Financial Bank 401(K) Profit Sharing Plan... with power to vote), and Goodman Group Management Deferred Compensation Rabbi Trust Plan, F/B/O Dan Peterka, Phoenix, Arizona (Wilmington Trust Retirement and Institutional Services Company, Phoenix...

  19. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

    Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

  20. 75 FR 12544 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-16

    ... East Byrd Street, Richmond, Virginia 23261-4528:> 1. Peden B. McLeod, Mary H. McLeod, John R. McLeod, all of Walterboro, South Carolina; Peden B. McLeod, Jr., Mt. Pleasant, South Carolina; Mary C. Benson... of Walterboro, South Carolina. B. Federal Reserve Bank of St. Louis (Glenda Wilson, Community Affairs...

  1. Dutch hi-tech companies exhibit at CERN

    CERN Multimedia

    Roberto Cantoni

    2010-01-01

    Twenty-seven Dutch companies will present the state of the art of their technological developments at the industrial exhibition Holland @ CERN from 8 to 11 November. The exhibition is designed to help strengthen the ties between fundamental science and Dutch industry.   The exhibition, supported by the Dutch Ministry of Economic Affairs and organised by the Netherlands National Institute for Subatomic Physics (Nikhef), in cooperation with the Foundation for Fundamental Research on Matter (FOM), the FOM Institute for Plasma Physics Rijnhuizen, and Dutch Scientific, an association of manufacturers of scientific equipment, will be held in the Main Building from 8 to11 November. “The last Holland @ CERN exhibition took place fifteen years ago”, says Robert Klöpping from Nikhef, Dutch Industrial Liaison Officer for CERN and Purchasing Advisor for Grenoble ESRF. “This kind of event is very important for Dutch industry as it allows us to show what Dutch companies c...

  2. 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

  3. 77 FR 20021 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-03

    ... April 27, 2012. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230..., Grafton, Wisconsin, John Lukas, and Mark Lukas, both of Manitowoc, Wisconsin, and the Foy minor children...-7958 Filed 4-2-12; 8:45 am] BILLING CODE 6210-01-P ...

  4. 77 FR 22786 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-17

    ... May 2, 2012. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South...; Anne R. Sparks, John W. Sparks, and Zachary Whitten, all of Albuquerque, New Mexico; Benjamin I... Filed 4-16-12; 8:45 am] BILLING CODE 6210-01-P ...

  5. 78 FR 5179 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-24

    ... February 11, 2013. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230..., as independent trustee of Trust, Kurt Bosshard, Kapaa, Hawaii, John Bosshard III, McCarthy, Alaska..., California, Elizabeth Bosshard-Blakely, South Pasadena, California, Alexandra Bosshard, Sandy, Utah, and John...

  6. 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...

  7. A new paradigm of modern central banking

    Directory of Open Access Journals (Sweden)

    Aleksandra Szunke

    2013-05-01

    Full Text Available The changes in the modern monetary policy, which took place at the beginning of the twenty-first century, in response to the global financial crisis led to the transformation of the place and the role of central banks. The strategic aim of the central monetary institutions has become preventing financial instability. So far, central banks have defined financial stability as a public good, which took care independently of other monetary purposes (Pyka, 2010. Unconventional monetary policy resulted in changes the global central banking. The aim of the study is to identify a new paradigm of the role and place of the central bank in the financial system and its new responsibilities, aimed at countering financial instability.

  8. New Factors Inducing Changes in the Retail Banking Customer Relationship Management (CRM and Their Exploration by the Fintech Industry

    Directory of Open Access Journals (Sweden)

    Kotarba Marcin

    2016-01-01

    Full Text Available Growing levels of regulation force financial institutions to change their business models toward lower risk levels, higher capital adequacy, service quality, and more stable revenue pools. In parallel with the regulatory changes, the banks are subject to pressure from accelerated technology development and social changes. These two factors influence the behavior of customers and induce changes in the customer relationship management (CRM. Taking the example of retail banking, the factors and their impacts are explained. Additionally, a view on the FinTech industry is presented, highlighting areas where traditional financial institutions are losing market share to technology-savvy and socially oriented new ventures with exceptional CRM capabilities. The conclusion contains proposed strategic actions that need to be undertaken in order to prepare the financial services industry for managing customer relationships in the increasingly technosocial environment.

  9. 77 FR 26759 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-07

    ... May 29, 2012. A. Federal Reserve Bank of Richmond (Adam M. Drimer, Assistant Vice President) 701 East Byrd Street, Richmond, Virginia 23261-4528: 1. Gerald F. Smith, Jr. Revocable Trust, (trustee, Gerald F. Smith, Jr.) Winchester, Virginia, to individually acquire voting shares of First National Corporation...

  10. 76 FR 7849 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-11

    ... Federal Reserve Bank indicated. The notices also will be available for inspection at the offices of the... South LaSalle Street, Chicago, Illinois 60690-1414: 1. Charles M. Shea, Wilmette, Illinois; as an..., Chicago, Illinois, Charles M. Shea, Wilmette, Illinois, as Trustee, and Molly Boed, Wassenaar, Netherlands...

  11. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... June 18, 2013. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230.... Paul M. Freeman, as custodian for Ann E. Freeman, both of Texhoma, Oklahoma, the John L. Freeman 2012...-13005 Filed 5-31-13; 8:45 am] BILLING CODE 6210-01-P ...

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  13. Bank Organizational Structure Choice Dilemma. Case of PKO BP

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-06-01

    Full Text Available Organizational structures are differing for different banks. They depend on individual bank economic situation, its technology, strategy and form of competition struggle. Usually the biggest EU banks are consists from formally or really independent divisions. The most common divisions are Retail Banking, Corporate Banking, Treasury and Investment, sometimes Insurance. PKO BP, the biggest Polish Bank, ought to change its structure due to implementation new IT system.

  14. The Dutch nuclear programme

    International Nuclear Information System (INIS)

    1986-01-01

    Engineering Services Ltd. has, in fulfillment of its contractual commitment to the Dutch Industrial Council for Energy and Environment Technology (IREM), investigated the broad capability of the Dutch industry in playing a major role in the supply of goods and services for the construction of nuclear plants in the Netherlands. The findings are summarized in this document. 5 tabs

  15. 78 FR 42522 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-16

    ... July 30, 2013. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230...Bois Schmitze and John DuBois, both of Sauk Centre, Minnesota, as members of the Margaret DuBois Family.... 2013-16923 Filed 7-15-13; 8:45 am] BILLING CODE 6210-01-P ...

  16. 75 FR 69444 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-12

    ... November 26, 2010. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. Robert John Dentel, Victor, Iowa, and Mary P. Howell, Ames, Iowa, individually; and the Robert John Dentel Family (Robert J. Dentel, Patricia A. Dentel...

  17. 77 FR 69454 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-19

    ..., South Carolina. B. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230.... Woods, Bluffton, South Carolina, individually and as part of a group acting in concert with Edgar Woods.... Woods, Milton Woods Jr. and Susan H Woods, both of Ridgeland, South Carolina, and J. Eric Woods...

  18. The impact of microgeneration upon the Dutch balancing market

    International Nuclear Information System (INIS)

    Van der Veen, Reinier A.C.; De Vries, Laurens J.

    2009-01-01

    The share of microgeneration (power generation at the level of households and small businesses) in the Dutch electricity system continues to grow. Over time, this development may pose a threat to the reliability and efficiency of the Dutch electricity balancing market. We investigated possible changes to the design of the Dutch balancing market that can maintain or even improve upon its current operational performance level. The first step of the research was an analysis of the existing Dutch balancing market. It consists of three main instruments: programme responsibility, the single buyer market for regulating and reserve power (RRP), and imbalance settlement. The balancing market currently functions satisfactorily. Subsequently, the effects of large-scale development of microgeneration in the Netherlands were evaluated with a qualitative scenario analysis. Four microgeneration scenarios and two methods for allocating the household electricity consumption and generation were considered. The four scenarios concerned large-scale penetration of PV, heat-led micro CHP, electricity-led micro CHP operated by the household consumer, and electricity-led micro CHP operated by the supply company. The last scenario was found to have the strongest positive net effect. Finally, six design options were identified for improving the Dutch balancing market design in case the share of microgeneration would increase substantially. Of these six options, adjusting the profile methodology and the regulation of smart meters are no-regret options that can be implemented immediately. The attractiveness of the other options depends upon the microgeneration portfolio that emerges, the manageability of large metering data flows, and the nature of the technical effects of large-scale microgeneration penetration.

  19. Performance of Dutch children on the Bayley III: a comparison study of US and Dutch norms.

    Science.gov (United States)

    Steenis, Leonie J P; Verhoeven, Marjolein; Hessen, Dave J; van Baar, Anneloes L

    2015-01-01

    The Bayley Scales of Infant and Toddler Development-third edition (Bayley-III) are frequently used to assess early child development worldwide. However, the original standardization only included US children, and it is still unclear whether or not these norms are adequate for use in other populations. Recently, norms for the Dutch version of the Bayley-III (The Bayley-III-NL) were made. Scores based on Dutch and US norms were compared to study the need for population-specific norms. Scaled scores based on Dutch and US norms were compared for 1912 children between 14 days and 42 months 14 days. Next, the proportions of children scoring Dutch norms fluctuated around values based on US norms on all subtests. The extent of the deviations differed across ages and subtests. Differences in means were significant across all five subtests (p Dutch norms resulted in over-referral regarding gross motor skills, and under-referral regarding cognitive, receptive communication, expressive communication, and fine motor skills. The Dutch norms differ from the US norms for all subtests and these differences are clinically relevant. Population specific norms are needed to identify children with low scores for referral and intervention, and to facilitate international comparisons of population data.

  20. Functional Changes in China’s Participation in the Multilateral Development Banks: from Borrower to Creditor Status

    Directory of Open Access Journals (Sweden)

    Leksyutina Y.

    2018-03-01

    Full Text Available Multilateral development banks (MDBs play an important role in world economic processes and global economic governance. Since the establishment of the first multilateral development bank – the International Bank for Reconstruction and Development (IBRD – MDBs have emerged in three waves, each time as a response to the major changes in the world arena. The creation of the New Development Bank (NDB and the Asian Infrastructure Investment Bank (AIIB represents the third and latest wave of MDBs. These new development banks have arisen as a consequence of an historic shift in global economic power from developed countries to emerging economies and more specifically the increase in China’s economic might. This article traces the evolution of China’s participation in MDBs, characterizes various forms of China’s engagement with MDBs in specific periods of history, and explains Beijing’s motivation in establishing new MDBs. During almost 40 years of interaction with the multilateral development banks, China has made a great leap forward from large-borrower to creditor status, from ordinary member to the initiator and creator of new MDBs under its auspices. This article identifies the scale, composition and dynamic of MDBs’ assistance to China. It points out that despite its eye-catching economic achievements, China remains one of the largest borrowers from MDBs. Yet, in the process of China’s participation in MDBs there have been two turning points: in 2004–2005 when China became a creditor, and during the 2008 global financial crisis when China set a course to promote the reform of global governance system and the creation of new China-dominated financial bodies. The creation of new financial institutions is evaluated in the article as indicating Beijing’s foreign policy ambitions to assume a leadership role in the global economic architecture, while the fact that China is acting both as a creditor and a borrower in MDBs reflects the

  1. The Decline of Traditional Banking Activities

    Directory of Open Access Journals (Sweden)

    Gabriela Cornelia Piciu

    2011-05-01

    Full Text Available The decline of traditional banking activities raise the issue of efficiency of financial stability, in terms ofquantitative and qualitative aspects – the increasing danger of banking failures as well as of susceptibility due toincreased propensity of banking institutions to assume additional to risks either in the form of riskier loans offer orengaging in other "non-traditional" financial activities which give a promise for greater profitability, but also higherrisks. Non-traditional activities of banking as financial products dealers (financial derivatives, generate an increasingrisks and vulnerabilities in the form of moral hazard issues. That is the reason why and these activities should beregulated as well as are the traditional activities. Challenges posed by the decline of traditional banking activities istwofold: the stability of the banking system must be maintained, while the banking system needs to be restructured toachieve financial stability in the long run. One possible way is an appropriate regulatory framework to encourage atransition period of changing the structure of banking activity(reduction of traditional activities and expanding nontraditional activities to enable banking institutions to perform a deep methodic analysis of non traditional activities,oriented to the financial banking efficiency.

  2. 76 FR 47589 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-08-05

    ... Byrd Street, Richmond, Virginia 23261-4528: 1. James S. MacLeod, Hilton Head Island, South Carolina; to acquire up to 31.36 percent of the voting shares of CoastalSouth Bancshares, Inc., Hilton Head Island, South Carolina, and thereby acquire shares of CoastalStates Bank, Hilton Head, South Carolina. Board of...

  3. 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…

  4. Estimating the risk of dengue transmission from Dutch blood donors travelling to Suriname and the Dutch Caribbean.

    Science.gov (United States)

    Oei, W; Lieshout-Krikke, R W; Kretzschmar, M E; Zaaijer, H L; Coutinho, R A; Eersel, M; Jubithana, B; Halabi, Y; Gerstenbluth, I; Maduro, E; Tromp, M; Janssen, M P

    2016-05-01

    The risk of dengue transmitted by travellers is known. Methods to estimate the transmission by transfusion (TT) risk from blood donors travelling to risk areas are available, for instance, the European Up-Front Risk Assessment Tool (EUFRAT). This study aimed to validate the estimated risk from travelling donors obtained from EUFRAT. Surveillance data on notified dengue cases in Suriname and the Dutch Caribbean islands (Aruba, Curaçao, St. Maarten, Bonaire, St. Eustatius and Saba) in 2001-2011 was used to calculate local incidence rates. Information on travel and donation behaviour of Dutch donors was collected. With the EUFRAT model, the TT risks from Dutch travelling donors were calculated. Model estimates were compared with the number of infections in Dutch travellers found by laboratory tests in the Netherlands. The expected cumulative number of donors becoming infected during travels to Suriname and the Dutch Caribbean from 2001 to 2011 was estimated at 5 (95% CI, 2-11) and 86 (45-179), respectively. The infection risk inferred from the laboratory-based study was 19 (9-61) and 28 (14-92). Given the independence of the data sources, these estimates are remarkably close. The model estimated that 0·02 (0·001-0·06) and 0·40 (0·01-1·4) recipients would have been infected by these travelling donors. The EUFRAT model provided an estimate close to actual observed number of dengue infections. The dengue TT risk among Dutch travelling donors can be estimated using basic transmission, travel and donation information. The TT risk from Dutch donors travelling to Suriname and the Dutch Caribbean is small. © 2016 International Society of Blood Transfusion.

  5. Cross-cultural adaptation and validation of the Dutch version of the core outcome measures index for low back pain.

    Science.gov (United States)

    Van Lerbeirghe, J; Van Lerbeirghe, J; Van Schaeybroeck, P; Robijn, H; Rasschaert, R; Sys, J; Parlevliet, T; Hallaert, G; Van Wambeke, P; Depreitere, B

    2018-01-01

    The core outcome measures index (COMI) is a validated multidimensional instrument for assessing patient-reported outcome in patients with back problems. The aim of the present study is to translate the COMI into Dutch and validate it for use in native Dutch speakers with low back pain. The COMI was translated into Dutch following established guidelines and avoiding region-specific terminology. A total of 89 Dutch-speaking patients with low back pain were recruited from 8 centers, located in the Dutch-speaking part of Belgium. Patients completed a questionnaire booklet including the validated Dutch version of the Roland Morris disability questionnaire, EQ-5D, the WHOQoL-Bref, the Numeric Rating Scale (NRS) for pain, and the Dutch translation of the COMI. Two weeks later, patients completed the Dutch COMI translation again, with a transition scale assessing changes in their condition. The patterns of correlations between the individual COMI items and the validated reference questionnaires were comparable to those reported for other validated language versions of the COMI. The intraclass correlation for the COMI summary score was 0.90 (95% CI 0.84-0.94). It was 0.75 and 0.70 for the back and leg pain score, respectively. The minimum detectable change for the COMI summary score was 1.74. No significant differences were observed between repeated scores of individual COMI items or for the summary score. The reproducibility of the Dutch translation of the COMI is comparable to that of other validated spine outcome measures. The COMI items correlate well with the established item-specific scores. The Dutch translation of the COMI, validated by this work, is a reliable and valuable tool for spine centers treating Dutch-speaking patients and can be used in registries and outcome studies.

  6. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

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

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-10-01

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

  8. 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...

  9. The Dutch famine of 1944-45 as a human laboratory: changes in the early life environment and adult health

    NARCIS (Netherlands)

    Lumey, L.H.; van Poppel, F.W.A.; Lumey, L.H.; Vaiserman, A.

    2013-01-01

    Studies of men and women exposed to the Dutch famine of 1944-1945 (also known as the Dutch ‘Hunger winter’) during different periods of life are important because they provide an opportunity to look at long-term effects of disturbances in the early life environment. For ethical and practical

  10. Ethnic density is not associated with psychological distress in Turkish-Dutch, Moroccan-Dutch and Surinamese-Dutch ethnic minorities in the Netherlands.

    Science.gov (United States)

    Schrier, Agnes C; Peen, Jaap; de Wit, Matty A S; van Ameijden, Erik J C; Erdem, Ozcan; Verhoeff, Arnoud P; Dekker, Jack J M; Beekman, Aartjan T F

    2014-10-01

    Ethnic density, the proportion of people of the same ethnic group in the neighbourhood, has been identified as a protective factor with regard to mental health in ethnic minorities. Research on the putative intermediating factors, exposure to discrimination and improved social support, has not yielded conclusive evidence. We investigated the association between ethnic density and psychological well-being in three ethnic minority groups in the Netherlands. We also assessed whether a protective ethnic density effect is related to the degree to which each group experiences discrimination and social support at group level. Using multi-level linear regression modelling, we studied the influence of ethnic density at neighbourhood level on psychological distress, measured with the Kessler Psychological Distress scale (K10), in 13,864 native Dutch, 1,206 Surinamese-Dutch, 978 Turkish-Dutch and 784 Moroccan-Dutch citizens of the four major cities in the Netherlands. Based on a nationwide survey among ethnic minorities on social integration, ethnic groups were ordered with respect to the intermediating factors. Ethnic density was not associated with psychological distress in any of the three ethnic minority groups. As a consequence, we found no support for either experiences of discrimination or for own-group social interactions at group level as intermediating factors. In all three ethnic minority groups, as well as in the native Dutch group, individual demographic and socio-economic factors emerged as the main explanations for individuals' mental well-being. These results suggest that individual demographic and socio-economic risk characteristics outweigh the influence of neighbourhood attributes on mental health.

  11. Globalisation of the National Judiciary and the Dutch Constitution

    Directory of Open Access Journals (Sweden)

    Elaine Mak

    2013-03-01

    Full Text Available This article examines the changing practices of the Dutch highest courts, the Hoge Raad and the Afdeling bestuursrechtspraak van de Raad van State, under the influence of globalisation, and the constitutional implications of this development. The increasing intertwinement of legal systems and the increasing possibilities for judges to interact with courts in foreign jurisdictions have stimulated the consideration of foreign legislation and case law in judicial decision-making in individual cases. An empirical study clarifies how the Dutch judges perceive the usefulness of legal comparisons in this context and how foreign law is used in deliberations and judgments. The constitutional implications of the changing practices of the courts are analysed in light of three aspects of the constitutional normative framework for judicial decision-making: the democratic justification of judicial decisions; legal tradition and the nature of cases; and the effectiveness and efficiency of judicial decision-making.

  12. The Dutch are in the Self Quantification game

    NARCIS (Netherlands)

    Mariia Stolyga; Dr. Martijn de Groot

    2015-01-01

    The Quantified Self Institute (QSI) in Groningen is keeping a close eye on the global self-tracking culture to identify and assess major trends in this domain. How will the future of wearable tech look? Can self-tracking change the Dutch healthcare system? Dr. Martijn de Groot, a medical biologist

  13. 77 FR 65689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-30

    .... 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or... Trustee of the Jeanie Rae Thorson 2012 Generation Skipping Trust, the Kristi Jo Jacobsen 2012 Generation Skipping Trust, and the Barbara Kay Billings 2012 Generation Skipping Trust, Minneapolis, Minnesota, to...

  14. 78 FR 21603 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-11

    ... April 26, 2013. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. MBG Investors I, LP, Mexico City, Mexico, and its... Pablo del Valle Perochena, Ignacio del Valle Ruiz and Adolfo del Valle Ruiz, all of Mexico City, Mexico...

  15. Income smoothing by Dutch hospitals

    NARCIS (Netherlands)

    Boterenbrood, D.R.

    2014-01-01

    Research indicates that hospitals manage their earnings. However, these findings might be influenced by methodological issues. In this study, I exploit specific features of Dutch hospitals to study income smoothing while limiting these methodological issues. The managers of Dutch hospitals have the

  16. Protective-decorative revegetation of spoil banks in the Donbass

    Energy Technology Data Exchange (ETDEWEB)

    Baklanov, V.I.; Podkopaev, A.A.

    1985-05-01

    Spoil bank reclamation in the Donbass is discussed, where there were 1195 spoil banks from underground coal mines in 1984, 80% of which were conic shaped. The average spoil bank was 60 to 80 m high, base surface was 4.2 ha, volume amounted to 1,144,000 mT. Ninety-five spoil banks were situated in cities or towns and were a source of environmental pollution. Reclamation of a spoil bank in the No 6/14 coal mine in the Makeevugol' association is analyzed. Buildup of the spoil bank started in 1930. The spoil bank was 72 m high, its base was 8.05 ha large, slopes were inclined at 25 to 36 degrees, volume of material amounted to 2.2 million mT. From 1973 to 1978 shape of the spoil bank was changed: its height was reduced to 40 m, slope inclination was reduced to 25 degrees. Spontaneous combustion was controlled by changing spoil bank shape. Slopes were divided into a number of terraces. The spoil bank was covered with a 0.3 m thick soil cover suitable for vegetation. Sainfoin (Onobrychis) was sown on leveled zones of the spoil bank and false acacia (Robinia pseudoacacia) was planted on the terraces. Plant growth in the first and second years was satisfactory.

  17. What Bulgarian Banks offer via Internet: an Overview

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

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

  18. 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

  19. Triodos Bank - mission-driven success pays off : from Dutch enfant terrible to European business leader

    NARCIS (Netherlands)

    de Graaf, Frank Jan

    2012-01-01

    The story of Triodos Bank over the last 20 years reads as a success story. It is also a story about how principles are guiding business. However, principles need a pragmatic approach in order to be successful. Over the past 30 years the bank’s management has succeeded in balancing a clear focus to

  20. 77 FR 71592 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-03

    ... December 18, 2012. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230... David H. Irish Trust, all of Harbor Springs, Michigan; Tracy Irish Texter, John F. Texter, as trustees of the John F. Texter and Tracy I. Texter Trust; the John F. Texter and Tracy I. Texter Trust, all of...

  1. Banking Sector of Ukraine: Realities, Tendencies, Prospects

    Directory of Open Access Journals (Sweden)

    Doroshenko Hanna O.

    2014-01-01

    Full Text Available The article analyses the modern state of the banking sector of Ukraine, its sources and prospects. It identifies that the main obstacle for stable development is dissociation of banking segments, absence of functional unity and orientation at formation of optimal conditions for satisfaction of financial requirements of the domestic economy. In order to create the efficient banking system it is necessary to introduce new banking supervision standards oriented at specialisation of the banking activity. The banking market should be segmented and both major banks that form the nucleus of the segment and minor ones operating in their niches should co-operate within each segment. Universal banks that have a developed branch network should unite specialised segments. Moreover, it is necessary to introduce changes into the mechanism of application of some instruments of money and loan regulation with respect to specialised banks and introduce some restrictions upon spheres of activity of the foreign capital.

  2. Dutch Corporate Finance, 1602-1850

    NARCIS (Netherlands)

    A. de Jong (Abe); J. Jonker (Joost); A. Roëll (Ailsa)

    2013-01-01

    textabstractEarly Modern Dutch corporate finance had two notable features, a remarkable ease of raising large amounts of capital and a flexible legal framework. Having pioneered new corporate forms with two intercontinental trading companies, Dutch business adopted such forms on a wider scale only

  3. THE IMPACT OF THE FALLING OIL PRICES ON THE BANKING SECTOR AND THE BANKING CRISIS IN AZERBAIJAN

    Directory of Open Access Journals (Sweden)

    Nijat Huseynov

    2018-03-01

    Full Text Available The Banking sector in Azerbaijan has been one of the most affected sectors and volatile due to the falling oil prices. In the recent years, the government’s approach to the banking sector has changed significantly. The national currency has depreciated against the foreign currencies. The main goal of this paper is to clarify the current situation and key challenges in the Azerbaijan Banking sector including assessing the role of the Central Bank of Azerbaijan Republic (CBA. In this paper, the crucial problems in the financial sector are also indicated and some key points for the future actions are recommended.

  4. Governance of Banks in an Era of Regulatory Change and Declining Public Confidence

    NARCIS (Netherlands)

    Minto, Andrea; McCormick, Roger

    2014-01-01

    Corporate governance reforms have become more intrusive for banks than might be thought appropriate for “ordinary corporates”. “Heavier” regulation in this area is justified by the public interest at stake in bank activity and the risk to the public interest if a bank is allowed to fail (and the

  5. Predicting customer’s intentions to use internet banking: the role of technology acceptance model (TAM in e-banking

    Directory of Open Access Journals (Sweden)

    Samar Rahi

    2017-11-01

    Full Text Available Information and communication technology (ICT developments and trends in recent years have had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology has accelerated changes in the way of banking business. The purpose of this paper is to explore the factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample used in this empirical study includes 265 responses of internet banking users collected through structured questionnaire. For statistical analysis, structural equation model (SEM approach was used. The present study suggests that internet banking use increases as long as customer perceives it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance performance matrix analysis has shown that attitude was the most important factor. Thus, banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect cus-tomers.

  6. 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.

  7. Strategic environment and bank performance; (Empirical study of bank listed in Indonesian stock exchange period 2011-2015

    Directory of Open Access Journals (Sweden)

    Mursalim Nohong

    2017-03-01

    Full Text Available This study aimed to explain the interaction between macroeconomic and the internal environment with the performance of banks in Indonesia. The analysed data obtained from 10 banks for 5-year observation period by using descriptive and inferential analysis through PLS program. The results showed that the BI rate is the most significant indicator in measuring changes in the macro environment, the efficiency ratio indicators for internal environment variables and indicators ROA for the variable performance. Further analysis showed that changes in the macro environment do not significantly influence the efficiency and performance of the banking system. However, efficiency is measured by using a ratio BOPO significant effect on performance.

  8. Structural and Qualitative Analysis of the Romanian Banking System

    Directory of Open Access Journals (Sweden)

    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.

  9. The role of women on Dutch farms

    OpenAIRE

    Meulen, van der, H.A.B.; Terluin, I.J.; Matser, I.A.

    2015-01-01

    In this paper an analysis is made of the contribution of women to labour input and management on Dutch farms. We used a written survey among the participants of the Dutch Farm Accountancy Data Network (FADN), in-depth interviews and a group discussion with farm women. Over half of the women on Dutch farms spend more than ten hours per week on agricultural activitieson the farm. More than 40% of women on Dutch farms have paid work off farm. The majority of the respondents’ farms is legally org...

  10. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

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

  11. The Dutch surgical colorectal audit

    NARCIS (Netherlands)

    van Leersum, N. J.; Snijders, H. S.; Henneman, D.; Kolfschoten, N. E.; Gooiker, G. A.; ten Berge, M. G.; Eddes, E. H.; Wouters, M. W. J. M.; Tollenaar, R. A. E. M.; Bemelman, W. A.; van Dam, R. M.; Elferink, M. A.; Karsten, Th M.; van Krieken, J. H. J. M.; Lemmens, V. E. P. P.; Rutten, H. J. T.; Manusama, E. R.; van de Velde, C. J. H.; Meijerink, W. J. H. J.; Wiggers, Th; van der Harst, E.; Dekker, J. W. T.; Boerma, D.

    2013-01-01

    In 2009, the nationwide Dutch Surgical Colorectal Audit (DSCA) was initiated by the Association of Surgeons of the Netherlands (ASN) to monitor, evaluate and improve colorectal cancer care. The DSCA is currently widely used as a blueprint for the initiation of other audits, coordinated by the Dutch

  12. 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…

  13. The role of women on Dutch farms

    NARCIS (Netherlands)

    Meulen, van der H.A.B.; Terluin, I.J.; Matser, I.A.

    2015-01-01

    In this paper an analysis is made of the contribution of women to labour input and management on Dutch farms. We used a written survey among the participants of the Dutch Farm Accountancy Data Network (FADN), in-depth interviews and a group discussion with farm women. Over half of the women on Dutch

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  15. 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...

  16. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  17. Tendencies of introduction of bank innovations in Ukraine

    Directory of Open Access Journals (Sweden)

    O.L. Cherevko

    2016-09-01

    Full Text Available This article is dedicated to the identification of improvement features of the banking system, and trends of innovative introduction of banking services in Ukraine. The diagram of changes is presented with the number of active banks in the country showing the importance of innovative development. The strategic and operational goals of innovative development in the banking system are examined. The paper marks out the main factors which determine the necessity to use the innovative technologies by banks. The authors determine three components of innovative activity in the banking sector, examine its priority in practical terms for the development of bank innovations in Ukraine. The importance of the introduction of Internet banking with its benefits for the customer and for the banking system as a whole is shown. The article gives the rating of five the most innovative banks in the country and describes the innovative policy of each one. The need for a comprehensive improvement of banking innovation is emphasized.

  18. Computer science in Dutch secondary education: independent or integrated?

    NARCIS (Netherlands)

    van der Sijde, Peter; Doornekamp, B.G.

    1992-01-01

    Nowadays, in Dutch secondary education, computer science is integrated within school subjects. About ten years ago computer science was considered an independent subject, but in the mid-1980s this idea changed. In our study we investigated whether the objectives of teaching computer science as an

  19. Dutch Colonial Nostalgia Across Decolonisation

    NARCIS (Netherlands)

    Bijl, P.

    2013-01-01

    This article argues that nostalgia for colonialism in the Netherlands, the so called tempo doeloe culture, is not a specifically postcolonial phenomenon caused by the collapse of the Dutch empire in Asia. In fact, nostalgia for the Dutch East Indies can be traced back to the nineteenth century, when

  20. Method for measuring the public's appreciation and knowledge of bank notes

    Science.gov (United States)

    de Heij, Hans A. M.

    2002-04-01

    No matter how sophisticated a banknotes' security features are, they are only effective if the public uses them. Surveys conducted by the De Nederlandsche Bank (the Dutch central bank, hereinafter: DNB) in the period 1989-1999 have shown that: the more people like a banknote, the more they know about it, including its security features; there is a positive correlation between the appreciation of a banknote (beautiful or ugly) and the knowledge of its security features, its picture and text elements; hardly anybody from the general public knows more than 4 security features by heart, which is why the number of security features for the public should be confined to a maximum of 4; the average number of security features known to a Dutchman was about 1.7 in 1999; over the years, the awareness of banknote security features gradually increased from 1.03 to 1983 to 1.7 in 1999, as a result of new banknote design and information campaigns. In 1999, DNB conducted its last opinion poll on NLG-notes. After the introduction of the euro banknotes on 1 January 2002, a new era of measurements will start. It is DNB's intention to apply the same method for the euro notes as it is used to for the NLG-notes, as this will permit: A comparison of the results of surveys on Dutch banknotes with those of surveys on the new euro notes (NLG) x (EUR); a comparison between the results of similar surveys conducted in other euro countries: (EUR1)x(EUR2). Furthermore, it will enable third parties to compare their banknote model XXX with the euro: (XXX)x(EUR). This article deals with the survey and the results regarding the NLG- notes and is, moreover, intended as an invitation to use the survey method described.

  1. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

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

  2. Nivelstein sandstone, weakly lithified pure silica sands from the Dutch-German border area, intermittently used in architecture for two millennia

    Science.gov (United States)

    Nijland, Timo G.; Wim Dubelaar, C.

    2017-04-01

    The current paper provides a concise overview of the geological setting of the Nivelstein sandstone in broad sense, its petrographic and physical characteristics, and its use as natural stone. Miocene pure silica sands occur around Heerlen in the southeastern part of the Dutch province of Limburg and Herzogenrath in adjacent Germany, as well as in the Belgian province of Limburg near Opgrimbie. In Dutch Limburg and in Germany are three large active exploitations, quarrying the sands for industrial purposes. On top of the unconsolidated sands in the Herzogenrath quarry, lithified banks of sandstone occur, known as Nivelstein (or more rarely Herzogenrath) sandstone. This sandstone has been used as dimension stone and ornamental stone since Roman times. In the 11th century the quarry was reopened and after a long period of disuse sandstone blocks were again quarried in the second half of the 19th century. The lithification of the Nivelstein sandstone usually is very weak, with grain to grain contacts and some newly formed quartz rims only. The clay content is extremely low and is restricted to tiny booklets of kaolinite. Despite the weak cementation the Nivelstein sandstone has proved to be very time-resistant building stone that forms a major element in the stone cultural heritage of the Dutch- German border area.

  3. Banks' risk appetite, heterogeneity and monetary policy: evidence ...

    African Journals Online (AJOL)

    The study examines the effects of bank heterogeneity on risk appetite under changing monetary policy stance of the monetary authority. The scope of the study covers the period 2005 to 2015 using data obtained from the published accounts of the affected banks and Central Bank of Nigeria (CBN) statistical bulletin, various ...

  4. 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 ...

  5. Shouting in a Desert: Dutch missionary encounters with Javanese Islam, 1850-1910 : Dutch missionary encounters with Javanese Islam, 1850-1910

    NARCIS (Netherlands)

    M.J. Kruithof (Maryse)

    2014-01-01

    markdownabstract__Abstract__ ‘‘Shouting in a desert’ Dutch missionary encounters with Javanese Islam’ concentrates on the shifts and developments in the Dutch mission discourse within the period from 1850 to 1910. It explores the Dutch missionary encounter with local communities and is conducted

  6. The banking system of liquidity risk management in commercial banks in Kosovo for 2015

    Directory of Open Access Journals (Sweden)

    Adnan Berisha

    2017-03-01

    Full Text Available The financial system in general and banking system in particular in Kosovo, is one of the most stable sectors, even though the Kosovo Economy is not in any enviable position and a stable financial system which would have an impact on greater economic growth. The focus of this research will be in the structure and organization of the financial system in Kosovo with particular emphasis on Kosovo's banking system for 2015. In this research we are focused on the Commercial Banks operating in the framework of the banking sector in Kosovo, what is their capital, how many banks have local- and how many have foreign capital, by whom are licensed and supervised, how is the loans potential of commercial banks in Kosovo, how much and how was the variation of interest rates on loans and deposits for 2015 and their comparison with the previous year, what is capital sufficiency and how many commercial banks do have liquidity in Kosovo? Kosovo banking sector exposure to risk will also have a special attention where it is known that there are several types of financial risk and they are: crediting risk, liquidity risk, market risk, operational risk, etc. Our interest in this research will be focused on liquidity risk and the analysis about the management of each bank including some specific regulative frameworks such as: framework of the Basel Committee known as Basel I, Basel II and more recently Basel III, which have strict rules and which change from time to time depending on financial flows or potential crises.

  7. Do Dutch Musea Compete Or Cooperate?

    OpenAIRE

    Thomas De Graaff; Jaap Boter; Jan Rouwendal

    2006-01-01

    This paper looks into the effect of distance on market shares of Dutch museums. To this end, we assume a generic distance decay function for all museums. In addition, we allow for spatial dependence between museums to account for local competition or synergy effects. Using a unique transaction database with the visiting behavior of 80,821 museum cardholders to 108 Dutch museums, we are able to calculate market shares of each museum in all 484 Dutch municipalities. To account for possible meas...

  8. Artful Teaching and Learning: The Bank Street Developmental-Interaction Approach at Midtown West School. Teaching for a Changing World: The Graduates of Bank Street College of Education

    Science.gov (United States)

    Intrator, Sam; Park, Soyoung; Lit, Ira

    2015-01-01

    This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." Established in 1989, Midtown West is a New York City public elementary school serving approximately 350 students from kindergarten through grade five. With the support of Tony Alvarado,…

  9. 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.

  10. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

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

  11. Technological Innovations and Banking in Ghana: An Evaluation of ...

    African Journals Online (AJOL)

    In Sub-Saharan Africa, developments in information and communication technology are radically changing the way business is done. These developments in technology have resulted in new delivery channels for banking products and services such as Automated Teller Machines (ATMs), Telephone Banking, PC-Banking, ...

  12. Transforming the Banking Organization in the Context of Digital Economy

    Directory of Open Access Journals (Sweden)

    Oana-Mihaela ILIE

    2017-06-01

    Full Text Available The technological evolution has brought about major changes in the behavior and expectations of bank customers. Thus, digital innovation is a "must" for the development of the domestic banking market. To the extent that more and more people are using new technologies, business models also change radically. The study focuses on the successful transformation of the banking organization into the context of the digitization of the economy, which offers extraordinary opportunities, but also on building the image of the future bank on the basis of five fundamental characteristics.

  13. Research note: Sensationalism in Dutch current affairs programmes 1992-2001

    NARCIS (Netherlands)

    Hendriks Vettehen, P.G.J.; Nuijten, C.M.; Beentjes, J.W.J.

    2006-01-01

    Both news critics and scholars often contend that increasing competition in the news market urges journalists to sensationalize their stories. Starting from this hypothesis, this article investigates changes in the level of sensationalism in three Dutch current affairs programmes that merged in 1996

  14. An applied general equilibrium model for Dutch agribusiness policy analysis

    NARCIS (Netherlands)

    Peerlings, J.

    1993-01-01

    The purpose of this thesis was to develop a basic static applied general equilibrium (AGE) model to analyse the effects of agricultural policy changes on Dutch agribusiness. In particular the effects on inter-industry transactions, factor demand, income, and trade are of

  15. Prepayment Behavior of Dutch Mortgagors : An Empirical Analysis

    NARCIS (Netherlands)

    Charlier, E.; van Bussel, A.

    2001-01-01

    The booming Dutch mortgage market and the development of a promising secondary mortgage market in the Netherlands stress the need for an accurate mortgage prepayment model that incorporates typical Dutch market and contract characteristics.One of those typical Dutch features prescribes that each

  16. Invited review: climate change impacts in polar regions: lessons from Antarctic moss bank archives.

    Science.gov (United States)

    Royles, Jessica; Griffiths, Howard

    2015-03-01

    Mosses are the dominant plants in polar and boreal regions, areas which are experiencing rapid impacts of regional warming. Long-term monitoring programmes provide some records of the rate of recent climate change, but moss peat banks contain an unrivalled temporal record of past climate change on terrestrial plant Antarctic systems. We summarise the current understanding of climatic proxies and determinants of moss growth for contrasting continental and maritime Antarctic regions, as informed by 13C and 18O signals in organic material. Rates of moss accumulation are more than three times higher in the maritime Antarctic than continental Antarctica with growing season length being a critical determinant of growth rate, and high carbon isotope discrimination values reflecting optimal hydration conditions. Correlation plots of 13C and 18O values show that species (Chorisodontium aciphyllum / Polytrichum strictum) and growth form (hummock / bank) are the major determinants of measured isotope ratios. The interplay between moss growth form, photosynthetic physiology, water status and isotope composition are compared with developments of secondary proxies, such as chlorophyll fluorescence. These approaches provide a framework to consider the potential impact of climate change on terrestrial Antarctic habitats as well as having implications for future studies of temperate, boreal and Arctic peatlands. There are many urgent ecological and environmental problems in the Arctic related to mosses in a changing climate, but the geographical ranges of species and life-forms are difficult to track individually. Our goal was to translate what we have learned from the more simple systems in Antarctica, for application to Arctic habitats. © 2014 John Wiley & Sons Ltd.

  17. Performance of Dutch children on the Bayley III: a comparison study of US and Dutch norms.

    Directory of Open Access Journals (Sweden)

    Leonie J P Steenis

    Full Text Available The Bayley Scales of Infant and Toddler Development-third edition (Bayley-III are frequently used to assess early child development worldwide. However, the original standardization only included US children, and it is still unclear whether or not these norms are adequate for use in other populations. Recently, norms for the Dutch version of the Bayley-III (The Bayley-III-NL were made. Scores based on Dutch and US norms were compared to study the need for population-specific norms.Scaled scores based on Dutch and US norms were compared for 1912 children between 14 days and 42 months 14 days. Next, the proportions of children scoring < 1-SD and < -2 SD based on the two norms were compared, to identify over- or under-referral for developmental delay resulting from non-population-based norms.Scaled scores based on Dutch norms fluctuated around values based on US norms on all subtests. The extent of the deviations differed across ages and subtests. Differences in means were significant across all five subtests (p < .01 with small to large effect sizes (ηp2 ranging from .03 to .26. Using the US instead of Dutch norms resulted in over-referral regarding gross motor skills, and under-referral regarding cognitive, receptive communication, expressive communication, and fine motor skills.The Dutch norms differ from the US norms for all subtests and these differences are clinically relevant. Population specific norms are needed to identify children with low scores for referral and intervention, and to facilitate international comparisons of population data.

  18. 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...

  19. Universal banking and the return of ‘glass-steagall’

    Directory of Open Access Journals (Sweden)

    George C. Bugeja

    2013-09-01

    Full Text Available The article aims to consider the arguments for and against universal banking and considers universal banking within different systems of law. The author also provides insight into the discussions on the changes to the banking regulatory infrastructure and the implications which this may have.

  20. IMPACT of FINANCIAL CRISIS 2008-2009 on BANKING SECTOR STRUCTURE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    N. Versal

    2015-10-01

    Full Text Available The article deals with the changes in the structure of Ukraine’s banking sector caused by the crisis 2008 – 2009. The research covers the pre-crisis stage (early 2008, the stage of the impact of the global financial crisis (end of 2008 – 2009, the stage of post-crisis development (2010 – 2013. The analysis is done in two areas: the analysis of the consequences of redistribution of responsibilities between the Deposit Guarantee Fund (the DGF and the National Bank of Ukraine (the NBU and the analysis of changes in the structure of the banking sector (the redistribution of the market between the four groups of banks in terms of assets, state-owned banks and other banks, foreign banks and domestic banks. It is possible to talk about the positive aspects arising from the redistribution of responsibilities between the NBU and the DGF, namely in terms of depositors’ protection strengthening due to reducing the term of the interim administration, eliminating the moratorium on payments to depositors etc. However, it is impossible to make an unambiguous conclusion that these changes have had a positive effect on the level of depositor’s confidence in banks. It turned out to be factors that are more important: economic and political situation in the country. The changes in the structure of the banking sector had a crucial character. Characteristic tendencies for each block of banks have been determined based on an analysis of indicators such as total assets, loans to legal entities and individuals, total liabilities, liabilities of legal entities and individuals, equity and equity multiplier. The financial crisis has revealed deep problems in the banking sector and has caused essential transformation processes: the redistribution of the banking market in favor of banks, which enjoyed the confidence of customers. Research shows that such banks in the unit of banks in terms of assets are banks of 2 and 4 groups; banks in the block by the presence

  1. Disentangling an Invisible Trade : state interventions in Dutch and Dutch-Curaçaoan single-mother families

    NARCIS (Netherlands)

    Verhallen, T.L.

    2015-01-01

    The doctoral thesis sheds light on the interactional and institutional processes through which child welfare and child protection practices are delivered to fifteen Dutch and fifteen Dutch-Curaçaoan single-mother families with multiple problems in the Netherlands in order to reveal structures of

  2. The Dutch Economy 2009

    International Nuclear Information System (INIS)

    2010-09-01

    In the series 'The Dutch Economy' the Dutch Statistical Office describes and analyzes annual developments in enterprises, households and governments, and with respect to employment and the environment. One of the subjects is 'Economy and Environment' with the sub-topics 'Resources and Energy', 'Emissions' and 'Environmental Taxes'. Furthermore, in articles on specific themes current economic issues are discussed. One of those themes has the title 'Share of renewable energy in the Netherlands is still small'. [nl

  3. Subjective Oral Health in Dutch Adults

    Directory of Open Access Journals (Sweden)

    Gijsbert H.W. Verrips

    2013-05-01

    Full Text Available Aim: To determine whether the subjective oral health (SOH of the Dutch adult population was associated with clinical and demographic variables. Methods: A clinical examination was conducted in a sample of 1,018 people from the Dutch city of ‘s-Hertogenbosch. SOH was measured using the Dutch translation of the short form of the Oral Health Impact Profile (OHIP-NL14. Results: The average score on the OHIP-NL14 was 2.8 ± 5.9 and 51% of the respondents had a score of 0. Dental status was the most important predictor of SOH. Conclusions:  The SOH in the Dutch adult population was much better than in groups of adults in Australia, the United Kingdom and New Zealand. Nevertheless, there were important variations in SOH related to dental and socio-economic status.

  4. Integrating climate change adaptation into Dutch local policies and the role of contextual factors.

    NARCIS (Netherlands)

    van den Berg, Maya Marieke; Coenen, Franciscus H.J.M.

    2012-01-01

    Moving towards a more sustainable adaptation process requires closer integration of policies related to the environment. An important actor in this is the local government. This paper examines to what extend adaptation is currently being integrated into Dutch local policies, and what the role is of

  5. Has the Study of Philosophy at Dutch Universities Changed under Economic and Political Pressures?

    NARCIS (Netherlands)

    van der Meulen, Barend; Leydesdorff, Loet

    1991-01-01

    From 1980 until 1985, the Dutch Faculties of Philosophy went through a period of transition. First, in 1982 the national government introduced a new system of financing research at the universities. This was essentially based on the natural sciences and did not match philosophers' work organization.

  6. A Transaction Cost Analysis of Dutch Hospital Care Contracting between hospitals and health insurance companies in a deregulated environment

    NARCIS (Netherlands)

    C.A. Brandenburg (Claudia)

    2008-01-01

    textabstractThe Dutch government has started a process of reformation in the Dutch healthcare. The goal of this reformation is cost efficient healthcare in the Netherlands. Hospitals and health insurance companies in the Netherlands experience changes in regulations and funding. They are expected

  7. 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...

  8. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

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

  9. Will BRICS Development Bank Change the International Financing ...

    African Journals Online (AJOL)

    This constricted space for accumulated reserve rich emerging countries led them to look for alternatives. In recovering from global financial crisis, the emerging and developing nations also expressed their intention to participate in money allocation decision making process and policy formulation of IMF and World Bank but ...

  10. The Dutch secret: how to provide safe drinking water without chlorine in the Netherlands

    Directory of Open Access Journals (Sweden)

    G. J. Medema

    2009-03-01

    Full Text Available The Netherlands is one of the few countries where chlorine is not used at all, neither for primary disinfection nor to maintain a residual disinfectant in the distribution network. The Dutch approach that allows production and distribution of drinking water without the use of chlorine while not compromising microbial safety at the tap, can be summarized as follows:
    1. Use the best source available, in order of preference:
        – microbiologically safe groundwater,
        – surface water with soil passage such as artificial recharge or bank filtration,
        – direct treatment of surface water in a multiple barrier treatment;
    2. Use a preferred physical process treatment such as sedimentation, filtration and UV-disinfection. If absolutely necessary, also oxidation by means of ozone or peroxide can be used, but chlorine is avoided;
    3. Prevent ingress of contamination during distribution;
    4. Prevent microbial growth in the distribution system by production and distribution of biologically stable (biostable water and the use of biostable materials;
    5. Monitor for timely detection of any failure of the system to prevent significant health consequences.

    New developments in safe drinking water in the Netherlands include the adaptation of the Dutch drinking water decree, implementation of quantitative microbial risk assessment (QMRA by water companies and research into source water quality, drinking water treatment efficacy, safe distribution and biostability of drinking water during distribution and Legionella. This paper summarizes how the Dutch water companies warrant the safety of the drinking water without chlorine.

  11. 'Europe' as a 'Hothouse' for Dutch Domestic Politics, 1948-1967

    NARCIS (Netherlands)

    de Bruin, R.; Bonfreschi, L.; Orsina, G.; Varsori, A.

    2015-01-01

    Over the years, Europeanisation has changed Dutch politics in important ways. One instance of this is the way in which European negotiations have strengthened the prime minister’s position as the head of government (especially after the establishment of the European Council in 1974). Traditionally,

  12. EFTPOS Impacts on Branch Banking: an extra organisational analysis

    Directory of Open Access Journals (Sweden)

    Gregory Shailer

    2000-05-01

    Full Text Available Perceptions and experiences of bank branch managers and merchant who have installed EFTPOS are surveyed to investigate the impact of EFTPOS on branch banking activities using internal and extra-organisational perspectives. Impacts are identified by reference to banking activities and interpreted as efficiency, effectiveness and competitiveness impacts. It appears that bank managers may have difficulty in isolating the impacts of EFTPOS on banking activities from concurrent changes in banking practices and might overestimate some beneficial impacts. Results indicate a much richer view can be obtained using an organisational perspective of a system's impacts.

  13. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

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

  14. Western Balkans’ Banking Sector Performance in Terms of Macroeconomic and Bank Specific Efficiency Determinants

    Directory of Open Access Journals (Sweden)

    Lindita Varesi

    2015-02-01

    Full Text Available Main objective of this study is to analyse banking efficiency and productivity considering evidences from Western Balkan countries in pre-crisis, during and the recovery period. Referring to the historic background and the transformations suffered, the WB countries have developed bank based financial structure so the soundness of the banking sector is significantly important for the stability and progress of their economies on the long run. The problems faced by the last recession, the deteriorated macroeconomic indicators and weak, inefficient banking sector translated in slow recovery rates, encouraged this study. Prior studies have been mainly focused in causes and effects of crisis in different sectors of economies while this paper presents relations and dependencies between the macroeconomic and bank specific efficiency determinants. The methodology used is the comparison between countries and as method the financial ratio analysis, intending the presentation of trends and evaluation of changes in efficiency, profitability and performance indicators during 2000- 2007 comparing with 2008-2013. Results that the banking sector profitability indicators follow the same negative trend with the economic growth rates and the recovery rates are lower than the forecasted. The results can be used by performance monitors to better identify vulnerabilities and examine uncertainties/risks.

  15. 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.

  16. Home Bias and Dutch Pension Funds’ Investment behaviour

    NARCIS (Netherlands)

    Verschoor, W.F.C.; Rubbaniy, G.; Lelyveld van, I.P.P.

    2014-01-01

    Using a panel data set of more than 600 Dutch pension funds (PFs) between 1992 and 2006, we investigate asset allocation behavior of Dutch PFs across multiple asset classes. We find that domestic investments, also known as home bias, in portfolio choices of Dutch institutional investors have fallen.

  17. Reliability of the Dutch translation of the Kujala Patellofemoral Score Questionnaire.

    Science.gov (United States)

    Ummels, P E J; Lenssen, A F; Barendrecht, M; Beurskens, A J H M

    2017-01-01

    There are no Dutch language disease-specific questionnaires for patients with patellofemoral pain syndrome available that could help Dutch physiotherapists to assess and monitor these symptoms and functional limitations. The aim of this study was to translate the original disease-specific Kujala Patellofemoral Score into Dutch and evaluate its reliability. The questionnaire was translated from English into Dutch in accordance with internationally recommended guidelines. Reliability was determined in 50 stable subjects with an interval of 1 week. The patient inclusion criteria were age between 14 and 60 years; knowledge of the Dutch language; and the presence of at least three of the following symptoms: pain while taking the stairs, pain when squatting, pain when running, pain when cycling, pain when sitting with knees flexed for a prolonged period, grinding of the patella and a positive clinical patella test. The internal consistency, test-retest reliability, measurement error and limits of agreement were calculated. Internal consistency was 0.78 for the first assessment and 0.80 for the second assessment. The intraclass correlation coefficient (ICC agreement ) between the first and second assessments was 0.98. The mean difference between the first and second measurements was 0.64, and standard deviation was 5.51. The standard error measurement was 3.9, and the smallest detectable change was 11. The Bland and Altman plot shows that the limits of agreement are -10.37 and 11.65. The results of the present study indicated that the test-retest reliability translated Dutch version of the Kujala Patellofemoral Score questionnaire is equivalent of the test-retest original English language version and has good internal consistency. Trial registration NTR (TC = 3258). Copyright © 2015 John Wiley & Sons, Ltd. Copyright © 2015 John Wiley & Sons, Ltd.

  18. E-banking: Online Transactions and Security Measures

    OpenAIRE

    Hameed Ullah Khan

    2014-01-01

    This study presents the technology involved in the more important payment systems currently available to internet users. As the field is undergoing a major upheaval by changing the traditional banking services, e-commerce is facilitating change in recent years. These programs in-returns have shown lucrative growth in internet businesses and capital generation. Transactions on an international scale are the mark of highly demanding businesses with a global consumer base. Banks around the world...

  19. Dependence between Stock Returns of Italian Banks and the Sovereign Risk

    Directory of Open Access Journals (Sweden)

    Fabrizio Durante

    2017-06-01

    Full Text Available We analyze the interdependence between the government yield spread and stock returns of the banking sector in Italy during the years 2003–2015. In a first step, we find that the Spearman’s rank correlation between the yield spread and the Italian banking system changed significantly after September 2008. According to this finding, we split the time window in two sub-periods. While we show that the dependence between the banking industry and changes in the yield spread increased significantly in the second time interval, we find no contagion effects from changes in the yield spread to returns of the banking system.

  20. The development of Dutch connectives : change and acquisition as windows on form-function relations

    NARCIS (Netherlands)

    Evers-Vermeul, Jacqueline

    2005-01-01

    The Dutch language displays a variety of connectives, words that instruct readers and listeners about the nature of the coherence relation between two clauses. These words (e.g. omdat 'because', maar 'but', and dus 'so') not only differ in the exact relation they explicate, but also in their

  1. LESSONS FROM THE CRISIS – TURKISH BANKING CRISIS OF 2000-2001

    Directory of Open Access Journals (Sweden)

    Gabriela PICIU

    2015-04-01

    Full Text Available In the past two decades or so the Turkish banking system has experienced many changes especially with the liberalization of the financial markets, financial inovations, inovations in the information technology and the increase in the number of financial transactions. With consolidations, competition has grown among banks and they are now competing for smaller profit margins. With all these changes, there has also been a change in the type of risks to which banks are now exposed. If the banking system in Turkey is following the right path as the authorities in Turkey claim then how did the country get into the grip of the banking crisis of 2000-2001? What went wrong and why bank loans turned into bad debts must be examined. The Turkish Experience resulting from the financial crisis of 2000-2001 shows that the country has learned the lesson. The financial crisis of 2008 hadn't an impact so great in Turkey compared with other countries.

  2. The Short Life of the Bank of Ethiopia

    Directory of Open Access Journals (Sweden)

    Arnaldo Mauri

    2010-12-01

    Full Text Available The Bank of Abyssinia, established in 1905, was given a 50-years concession by theEmperor Menelek II. This institution was engaged in issuing notes as well as in any kind ofcommercial banking business. Haile Sellassie, after acceding to the throne in 1930, could not acceptthat the country’s issuing bank was a foreign-owned share company and decided for nationalization.The change was implemented, however, in a soft way, providing an adequate compensation toshareholders, and in agreement with the main foreign shareholder, the National Bank of Egypt. TheBank of Abyssinia went, therefore, into liquidation and a new institution, the Bank of Ethiopia, wasestablished in 1931. The new bank, although under full Government control, retained management,staff, premises and clients of the ceased financial institution. Italian occupation of the country, in1936, brought the liquidation of the Bank of Ethiopia.

  3. 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

  4. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

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

  5. 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.

  6. A memory-based shallow parser for spoken Dutch

    NARCIS (Netherlands)

    Canisius, S.V.M.; van den Bosch, A.; Decadt, B.; Hoste, V.; De Pauw, G.

    2004-01-01

    We describe the development of a Dutch memory-based shallow parser. The availability of large treebanks for Dutch, such as the one provided by the Spoken Dutch Corpus, allows memory-based learners to be trained on examples of shallow parsing taken from the treebank, and act as a shallow parser after

  7. Banking and the Macroeconomy: A Micro-Macro Linkage

    OpenAIRE

    Kreiser, Swetlana; Kick, Thomas; Merkl, Christian; Ruprecht, Benedikt

    2016-01-01

    In this paper, we modify the model by Gertler and Karadi (2011) such that it can be calibrated to the empirical elasticity of bank loan supply with respect to bank capital changes. We estimate this elasticity based on microeconomic data for all German banks. Their business model resembles that of the banks in the model. We find that the estimated elasticity is 0.3, which is substantially lower than the implied elasticity of 1 in the baseline model. Nevertheless, even when calibrating the mode...

  8. Monetary Policy and Excessive Bank Risk Taking

    NARCIS (Netherlands)

    Agur, I.; Demertzis, M.

    2010-01-01

    If monetary policy is to aim at financial stability, how would it change? To analyze this question, this paper develops a general-form model with endogenous bank risk profiles. Policy rates affect both bank incentives to search for yield and the cost of wholesale funding. Financial stability

  9. What about the multilateral banks?

    International Nuclear Information System (INIS)

    Planas Alexandra

    1998-02-01

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

  10. In view of the Sixth Framework Programme. An analysis of the EoIs submitted by Dutch entities. Thematic Priority Area Sustainable development, global change and ecosystems

    International Nuclear Information System (INIS)

    Van Mierlo, K.

    2002-01-01

    The FP6 (Sixth Framework Program of the European Union) team of PricewaterhouseCoopers has analysed the EoIs (Expression of Interest) submitted by Dutch parties, as published on the Internet (http://www.cordis.lu/). These 'Dutch EoIs' give a reliable indication of the focus of the Dutch research community, and its participation in pan-European research initiatives. Furthermore, it gives the Dutch submitters of EoIs the opportunity to see what other Dutch parties are involved in their relevant area of research (or in terms of FP6 - Thematic Priority Area (TPA)). The analysis of the Dutch EoIs has been carried out in the first week of October 2002. Considering the dynamics of the EoI database, results from this analysis can vary slightly with searches carried out later in this database

  11. Fishing for food : feeding ecology of harbour porpoises Phocoena phocoena and white-beaked dolphins Lagenorhynchus albirostris in Dutch waters

    NARCIS (Netherlands)

    Jansen, O.E.

    2013-01-01

    Harbour porpoises and white-beaked dolphins are the most common small cetaceans in the North Sea and Dutch coastal waters. The distribution and relative abundance of harbour porpoises and white-beaked dolphins from the Dutch coastal waters has changed significantly over the past decades. This

  12. Techniques for measuring customers’ satisfaction in Banks

    Directory of Open Access Journals (Sweden)

    Elena Lidia MELNIC

    2016-07-01

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

  13. The effects of recent changes in breeding preferences on maintaining traditional Dutch chicken genomic diversity

    NARCIS (Netherlands)

    Bortoluzzi, Chiara; Crooijmans, Richard P.M.A.; Bosse, Mirte; Hiemstra, Sipke Joost; Groenen, Martien A.M.; Megens, Hendrik Jan

    2018-01-01

    Traditional Dutch chicken breeds are marginalised breeds of ornamental and cultural-historical importance. In the last decades, miniaturising of existing breeds (so called neo-bantam) has become popular and resulted in alternatives to original large breeds. However, while backcrossing is increasing

  14. Nutritional status and food consumption in 10-11 year old Dutch boys (Dutch Nutrition Surveillance System)

    NARCIS (Netherlands)

    Poppel, G.van.; Schneijder, P.; Löwik, M.R.H.; Schrijver, J.; Kok, F.J.

    1991-01-01

    As part of the Dutch Nutrition Surveillance System, cardiovascular risk factors and food consumption (24 h recall) as well as haematological, Fe and vitamin status (A, B6, C) were assessed in 126 Dutch boys aged 10-11 years (response 71%). Body mass index (BMI) and the sum of four skinfolds were

  15. Dutch word stress as pronounced by Indonesian students

    Directory of Open Access Journals (Sweden)

    Lilie M. Roosman

    2009-10-01

    Full Text Available This study focuses on the way in which the Dutch monophthongal vowels are pronounced by Indonesian students. To investigate whether Indonesian students realize the Dutch vowels correctly, especially when they are stressed, I analysed duration and quality of stressed and unstressed Dutch vowels. Measurements were done on the duration and the formant frequencies of the vowels spoken by Indonesian students and by native speakers of Dutch as well. Statistical analysis showed that in general the differences in duration between vowels spoken by the Indonesian students and by the native speakers were not significant. However, the effect of stress on the lengthening of the vowels was stronger for the Indonesian students than for the native speakers. In addition, statistical analysis of the formant frequencies confirmed that the non-native speakers realized the Dutch vowels slightly differently from the Dutch native speakers. The Indonesian students pronounced the stressed vowels more clearly than their unstressed counterparts; yet their vowel diagram is smaller than the vowel diagram of the native speakers.

  16. 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

  17. The Dutch private company: successfully relaunched?

    NARCIS (Netherlands)

    van der Elst, C.F.; Vermeulen, E.P.M.; De Cordt, Y.; Navez, E.J.

    2014-01-01

    This Chapter in a comparative book on private limited liability companies starts with an illustration of the former success of the Dutch limited liability company (BV). Next it addresses the competitive European legal environment within which the Dutch BV has to operate. The study shows how the

  18. Improved Dutch Roll Approximation for Hypersonic Vehicle

    Directory of Open Access Journals (Sweden)

    Liang-Liang Yin

    2014-06-01

    Full Text Available An improved dutch roll approximation for hypersonic vehicle is presented. From the new approximations, the dutch roll frequency is shown to be a function of the stability axis yaw stability and the dutch roll damping is mainly effected by the roll damping ratio. In additional, an important parameter called roll-to-yaw ratio is obtained to describe the dutch roll mode. Solution shows that large-roll-to-yaw ratio is the generate character of hypersonic vehicle, which results the large error for the practical approximation. Predictions from the literal approximations derived in this paper are compared with actual numerical values for s example hypersonic vehicle, results show the approximations work well and the error is below 10 %.

  19. Banking system reform, earnings quality and credit allocation

    Institute of Scientific and Technical Information of China (English)

    Xiuli Zhu; Lianjun Li; Yunkui Xue

    2012-01-01

    This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in stateowned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-stateowned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.

  20. Can guild- or site-specific contrasts in trends or phenology explain the changed role of the Dutch Wadden Sea for fish?

    Science.gov (United States)

    Tulp, Ingrid; van der Veer, Henk W.; Walker, Paddy; van Walraven, Lodewijk; Bolle, Loes J.

    2017-09-01

    The Wadden Sea bordering the Dutch, German and Danish coast, is traditionally a region with important functions for many fish species: as a nursery area for juveniles (marine juveniles), as a feeding area, as a transit to and from fresh water, and resident species complete their whole life cycle there. Because of indications that the importance of the Dutch Wadden Sea has changed drastically for many species during the past decades, we analysed and classified trends of 24 common fish species in the last 45 years, which were assigned to 5 different ecological guilds. Trends were examined for three Wadden Sea regions and compared to trends in the adjacent two North Sea coastal regions. For these analyses we made a combined use of two longterm time series: an annual beamtrawl survey, the Demeral Fish Survey (DFS) with a high spatial but poor seasonal resolution and a fyke series with a high seasonal but poor spatial resolution. We investigated for which species the DFS survey was appropriate for trend analysis, and we evaluated whether a change in timing may contribute to patterns in DFS time trends. Total fish biomass showed a similar pattern in all tidal basins with an increase from 1970 to 1980, a peak in the mid-1980s and a strong decline from 1980 to 2000, with a subsequent stable trend. The pattern in the coastal region deviated especially in the past 10 years, with a further decline along the Dutch Wadden coast and an increase along the mainland coast. Most dramatic declines throughout the Wadden Sea occurred in species belonging to the marine juvenile guild, notably plaice, sole and dab. A declining trend in marine juveniles is on-going in the western part, while it recently stabilised or even increased in the central and eastern part and in the coastal regions. Resident species showed more variable trends in the Wadden Sea with less pronounced directions: both increases and decreases occurred. In the coastal regions, several resident species have increased

  1. 12 CFR 5.50 - Change in bank control; reporting of stock loans.

    Science.gov (United States)

    2010-01-01

    ... directors (or persons exercising similar functions) of the issuing national bank, or to vote on or to direct..., or in any manner, to select or to vote for the selection of directors (or persons exercising similar... of the bank; (iv) The competence, experience, or integrity of any acquiring person, or of any of the...

  2. 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...

  3. 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...

  4. 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-.

  5. Co-Combustion of waste and biomass ''the Dutch approach''

    Energy Technology Data Exchange (ETDEWEB)

    Dijkman, B.

    2002-07-01

    This introduction starts an overview of the greenhouse gas policy in the Netherlands, focussing to reduction programs in the electricity industry and how the industry anticipates. An impression will be given about the needed adaption programs of coal-fired power plants, and how projects are financed. But before starting with the major part of this paper, the actual situation in the Dutch electricity industry will be explained, because liberalisation and privatisation have carved new tracks. The organisation and ownership of the Dutch electricity scene has been changed dramatically in the past 5 years. (orig.)

  6. Management of the Dutch development cooperation

    NARCIS (Netherlands)

    Janssen, Lodevicus Johannes Henricus

    2009-01-01

    There is reason for concern about the Dutch development cooperation. A survey of some aid evaluations of the Dutch Ministry of Foreign Affairs (MFA) showed that the aid results are limited and that the goals of the programs are not achieved. Management concerns using an organisation's resources to

  7. Similar associations between personality dimensions and anxiety or depressive disorders in a population study of Turkish-Dutch, Moroccan-Dutch, and native Dutch subjects.

    Science.gov (United States)

    Schrier, Agnes C; de Wit, Matty A S; Krol, Anneke; Fassaert, Thijs J L; Verhoeff, Arnoud P; Kupka, Ralph W; Dekker, Jack; Beekman, Aartjan T F

    2013-05-01

    It is well established that personality traits are associated with anxiety and depressive disorders in Western populations, but it is not known whether this is true also for people from non-Western cultures. In this study, we examined whether ethnicity moderates the association between personality dimensions and anxiety or depressive disorders or symptoms. In a random urban population sample, stratified by ethnicity, in Amsterdam, the Netherlands, we interviewed 309 native Dutch subjects, 203 Turkish-Dutch subjects, and 170 Moroccan-Dutch subjects. Dimensions of personality were measured using the NEO Five-Factor Inventory. Anxiety and depressive disorders and symptom levels were assessed with the Composite International Diagnostic Interview and the Symptom Checklist-90-Revised. The association between personality factors and disorders or symptoms of anxiety and depression was very similar in the three ethnic groups: all show the typical profile of high neuroticism and low extraversion, agreeableness, and conscientiousness.

  8. Analysis of Uncertainty in Dynamic Processes Development of Banks Functioning

    Directory of Open Access Journals (Sweden)

    Aleksei V. Korovyakovskii

    2013-01-01

    Full Text Available The paper offers the approach to measure of uncertainty estimation in dynamic processes of banks functioning, using statistic data of different banking operations indicators. To calculate measure of uncertainty in dynamic processes of banks functioning the phase images of relevant sets of statistic data are considered. Besides, it is shown that the form of phase image of the studied sets of statistic data can act as a basis of measure of uncertainty estimation in dynamic processes of banks functioning. The set of analytical characteristics are offered to formalize the form of phase image definition of the studied sets of statistic data. It is shown that the offered analytical characteristics consider inequality of changes in values of the studied sets of statistic data, which is one of the ways of uncertainty display in dynamic processes development. The invariant estimates of measure of uncertainty in dynamic processes of banks functioning, considering significant changes in absolute values of the same indicators for different banks were obtained. The examples of calculation of measure of uncertainty in dynamic processes of concrete banks functioning were cited.

  9. Households as change agents in a Dutch smart energy transition: On power, privacy and participation

    NARCIS (Netherlands)

    Naus, J.; Vliet, van B.J.M.; Hendriksen, A.

    2015-01-01

    This paper examines the participation of Dutch households in a smart and sustainable energy transition. Particular attention is paid to new forms of cooperation that are arising between households (horizontal opening-up) and between households and service providers (vertical opening-up). Data are

  10. 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 ...

  11. Market Discipline at Thai Banks before the Asian Crisis

    OpenAIRE

    Jiranyakul, Komain; Opiela, Timothy

    2014-01-01

    This paper tests the effect of systemic risk on deposit market discipline by interacting proxies for systemic risk with bank-specific default-risk variables. Discipline is measured by estimating a supply of deposit funds function at Thai banks from 1992 to 1997. The results show that supply decreases as bank-specific risk increases. Also, the sensitivity of funds to changes in bank-specific risk increases as systemic risk rises. Additionally, depositors decrease their sensitivity to deposit r...

  12. Boxing and dancing: Dutch trade union and works council experiences revisited

    NARCIS (Netherlands)

    van Klaveren, M.; Sprenger, W.

    2005-01-01

    This paper contains a quantitative analysis of approaches and results of 67 projects of Dutch company union groups and Works Councils to influence technological and organisational change, in three generations between 1975 and 1996. The effectiveness of problem-solving activities jointly undertaken

  13. Factors affecting bank governance in Malaysia

    Directory of Open Access Journals (Sweden)

    Wan Masliza Wan Mohammad

    2012-03-01

    Full Text Available Since the financial crisis in year 1997, banks in Malaysia had undergone various issues and transformations, including stricter regulation on merger and acquisitions and greater enforcement of corporate governance. Besides that, the institutions had also gone through the transformation in terms of the risk assessment practice due to the stricter rulings under Basel II regulations. Taking into account of these changes, this study empirically examines the effects of corporate governance, risk and capital on the performance of banks in Malaysia. Based on 132 firm-year samples for the period of 2004-2009, study indicates a significant and negative relationship between bank risks and performance. It further reveals that the risk weighted capital (RRWC improves bank performance. However none of the corporate governance variables have any associations with banks performance. The detail explanations of the findings along with the suggestions for future research are provided in the full text of the reports

  14. Eumedion in the Dutch Corporate Governance and Sustainability Landscape

    NARCIS (Netherlands)

    Hermes, Niels; Hooghiemstra, Reggy; van Veen, Kees

    2016-01-01

    Eumedion is a Dutch foundation representing the interests of Dutch and foreign institutional investors with investments in Dutch listed companies. In particular, it represents the interests of these participants in the field of corporate governance and sustainability. The foundation was established

  15. 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...

  16. Dutch euthanasia revisited.

    Science.gov (United States)

    Fenigsen, R

    1997-01-01

    The results of a follow-up study of euthanasia by the Dutch government, five years after the first study, were published on November 26, 1996. This article provides a detailed review of the two reports comparing and contrasting the statistics cited therein. The author notes that the "rules of careful conduct" proposed by the courts and by the Royal Dutch Society of Medicine were frequently disregarded. Special topics included for the first time in the second study were the notification and non-prosecution procedure, euthanasia of newborns and infants, and assisted suicide in psychiatric practice. The authors of the follow-up report state that it would be desirable to reduce the number of "terminations of life without patients' request," but this must be the common responsibility of the doctor and the patient. They suggest that the person who does not wish to have his life terminated should declare this clearly, in advance, verbally and in writing, preferably in the form of a living will. Involuntary euthanasia was rampant in 1990 and equally rampant in 1995. The author concludes that Dutch doctors who practice euthanasia are not on the slippery slope. From the very beginning, they have been at the bottom.

  17. 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-...

  18. Best Practice of Selecting Strategic International Agency Banking

    Directory of Open Access Journals (Sweden)

    Chan Leslie Soon-Lim

    2014-12-01

    Full Text Available International agency or correspondent banking (corbanking is cross border bank to bank businesses that agent banks act on behalf of principals. Despite drastic changing banking environment, corbanking remains from doing business by mainly fee based, packaging reciprocal products and services, and so on. Corbanking is therefore identified as an alternative to serve clients worldwide in a strategic low cost way. Best practice to identify for entering corbanking relationships and selecting their correspondents are the themes of this paper, which are useful for financial institutions to make strategic and operational decisions for their expansion. Eighteen determinant factors to establish corbanking relationships and nineteen selection criteria of correspondents were identified through literature reviews, case studies, and exploratory surveys. Empirical surveys were conducted on 43 sample banks in Australia, which were further categorized in ten bank groups. Analytical methods included descriptive statistics and stepwise least square regression with case studies. The findings were: the most significant factor for financial institutions to enter correspondent banking systems was the bank size and a lower ranking factor was location not physically present, whereas there was different consensus for different bank groups about the selection criteria for agents overseas.

  19. 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...

  20. 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

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

    OpenAIRE

    Bojidar Bojinov

    2003-01-01

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

  2. Fourth Dutch Process Security Control Event

    NARCIS (Netherlands)

    Luiijf, H.A.M.; Zielstra, A.

    2010-01-01

    On December 1st, 2009, the fourth Dutch Process Control Security Event took place in Baarn, The Netherlands. The security event with the title ‘Manage IT!’ was organised by the Dutch National Infrastructure against Cybercrime (NICC). Mid of November, a group of over thirty people participated in the

  3. Losses on Dutch residential mortgage insurances

    NARCIS (Netherlands)

    Francke, M.K.; Schilder, F.P.W.

    2014-01-01

    Purpose - This paper aims to study the data on losses on mortgage insurance in the Dutch housing market to find the key drivers of the probability of loss. In 2013, 25 per cent of all Dutch homeowners were "under water": selling the property will not cover the outstanding mortgage debt. The

  4. Gentlemen, players and re-moralisation of banking:Solution or diversion?

    OpenAIRE

    Kerr, Ronald; Robinson, Sarah

    2016-01-01

    In this chapter, ‘A return to gentlemanly banking: re-moralisation as solution ordiversion?’ the authors focus on proposals for changes in institutional culture in the field of banking and finance in order to address issues of what has been called ‘shameful’ and ‘dishonourable’ behaviour by individual bankers. They pose the following questions: in what ways can ‘culture change’ be conceptualised and understood in the context of banking; and to what extent is such proposed change feasible in t...

  5. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

  6. Barriers to Banking - Towards an Inclusive Banking Environment in South Africa.

    Science.gov (United States)

    Martinson, Estelle; Martinson, Johannes

    2016-01-01

    A recent study in South Africa on the barriers to banking which involved customers in three disability groups namely mobility, hearing and vision has highlighted that currently banking in South Africa is not accessible. Customers with a disability are unable to independently use banking services across a wide range of channels. Exclusion from something as fundamental as managing their own financial affairs raise serious human rights concerns and requires committed action from decision-makers to address this. The fact that solutions to all of the identified barriers have been successfully implemented in banks in other parts of the world for many years emphasize that this is not a technical challenge. While some solutions require complex or expensive changes such as removing physical access barriers and ensuring that digital channels meet internationally accepted standards of accessibility, there are many simple and low-cost solutions which can be implemented immediately and would make a world of difference to these customers and their experience of banking. One key barrier which emerged in all the focus groups and surveys is attitudinal barriers - staff who are unwilling to assist, impatient, interact with the customer's assistant instead of directly with them and lack basic skills on how to interact with someone who has a disability. A comprehensive framework of banking was used to identify a wide range of barriers. The barriers were classified as attitudinal, barriers to physical access, digital access barriers, barriers to information, communication barriers and some generic concerns such as safe evacuation during emergencies and alternative authentication. Both the barriers and the solutions where ranked by participants. From a theoretical perspective, the benefit of a customer-centric approach to understanding these barriers and the innovation potential of a Universal Design approach is affirmed by this study.

  7. BIGGEST CZECH BANKS IN THE MIRROR OF ANNUAL REPORTS

    Directory of Open Access Journals (Sweden)

    Vladislav PAVLAT

    2016-02-01

    Full Text Available The aim of the Paper is to characterise and analyse the biggest Czech banks Annual reports (ARs. Since 2004, the behaviour of Czech banks has been changing, as can be seen – inter alia - from the big banks´ financial statements and annual reports. During the period of 2007 – 2013 the implementation of IFRS continued and its impact on the institutional structure of banking is visible. From the point of view of banks, annual reports present not only the financial results, but they serve as an important instrument of competition and marketing as well. Comparative analysis of the three Czech leading banks gives a picture of their specific features as reflected in their annual statements.

  8. 12 CFR 225.13 - Factors considered in acting on bank acquisition proposals.

    Science.gov (United States)

    2010-01-01

    ... GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y... management, and the bank or banks to be acquired: (1) Financial condition. Their financial condition and future prospects, including whether current and projected capital positions and levels of indebtedness...

  9. Changes in concentrations of triazine and acetamide herbicides by bank filtration, ozonation, and chlorination in a public water supply

    Science.gov (United States)

    Verstraeten, Ingrid M.; Thurman, E.M.; Lindsey, M.E.; Lee, E.C.; Smith, R.D.

    2002-01-01

    The changes in triazine and acetamide concentrations in water during natural and artificial treatment by bank filtration, ozonation, filtration, and chlorination were measured at the well field and drinking water treatment plant of Lincoln, Nebraska, USA. The city's groundwater supply is affected by induced infiltration and transport of triazines and acetamide herbicides from the Platte River in late spring and early summer. The objective of the study was to evaluate the effect of infiltration and treatment on the presence of triazines and acetamides in drinking water. Samples of river water, well water, and public supply water at various stages of water treatment were collected from 1997-1999 during spring-runoff when the presence of herbicides in the Platte River is largest. In 1999, parent compounds were reduced by 76% of the concentration present in river water (33% by bank filtration, 41% by ozonation, and 1.5% by chlorination). Metabolites of herbicides for which analytical techniques existed were reduced by 21% (plus 26% by bank filtration, minus 23% by ozonation, and minus 24% by chlorination). However, increases in concentrations of specific metabolite compounds were identified after bank filtration and ozonation. After bank filtration, increases in cyanazine amide, cyanazine acid, and deethylcyanazine acid were identified. After ozonation, concentrations of deisopropylatrazine, deethylatrazine, didealkylatrazine, atrazine amide-I, hydroxydeethylatrazine, hydroxydeisopopylatrazine, deethylcyanazine acid, and deethylcyanazine increased. Concentrations of cyanazine acid and ethanesulfonic and oxanilic acids of acetamides decreased during ozonation. Our findings suggest that bank filtration and ozonation of water in part can shift the assessment of risk to human health associated with the consumption of the water from the parent compounds to their degradation products.

  10. 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.

  11. The Bank-Sovereign Nexus: Evidence from a non-Bailout Episode

    DEFF Research Database (Denmark)

    Caporin, Massimiliano; Natvik, Gisle J.; Ravazzolo, Francesco

    We explore the interplay between sovereign and bank credit risk in a setting where Danish authorities first let two Danish banks default rather than bail them out and then left the country's largest bank, Danske Bank, to recapitalize privately. We find that the correlation between bank...... and sovereign credit default swap (CDS) rates changed with these events, indicating that the non-bailout decisions and recapitalization helped to curb the feedback loop between bank and sovereign risk. Following the non-bailout events, the sensitivity to external shocks declined both for Danske Bank...... and private bank debt indicates that the non-bailout policies succeeded in breaking the vicious circle generated by the risks on the bank and sovereign debts. Our results are reinforced by the use of an indirect testing approach and by focusing on CDS-quantiles....

  12. Non-commercial surrogacy: an account of patient management in the first Dutch Centre for IVF Surrogacy, from 1997 to 2004

    NARCIS (Netherlands)

    Dermout, Sylvia; van de Wiel, Harry; Heintz, Peter; Jansen, Kees; Ankum, Willem

    2010-01-01

    Surrogacy was prohibited in the Netherlands until 1994, at which time the Dutch law was changed from the general prohibition of surrogacy to the prohibition of commercial surrogacy. This paper describes the results from the first and only Dutch Centre for Non-commercial IVF Surrogacy between 1997

  13. Non-commercial surrogacy : an account of patient management in the first Dutch Centre for IVF Surrogacy, from 1997 to 2004

    NARCIS (Netherlands)

    Dermout, Sylvia; van de Wiel, Harry; Heintz, Peter; Jansen, Kees; Ankum, Willem

    Surrogacy was prohibited in the Netherlands until 1994, at which time the Dutch law was changed from the general prohibition of surrogacy to the prohibition of commercial surrogacy. This paper describes the results from the first and only Dutch Centre for Non-commercial IVF Surrogacy between 1997

  14. 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.

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

    OpenAIRE

    Andreea ZAMFIR

    2007-01-01

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

  16. Banking system reform, earnings quality and credit allocation

    Directory of Open Access Journals (Sweden)

    Xiuli Zhu

    2012-09-01

    Full Text Available This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in state-owned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-state-owned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.

  17. Teaching the Dutch how to pronounce English

    NARCIS (Netherlands)

    Frans Hermans; Peter Sloep

    2015-01-01

    The Dutch overestimate their English speaking skills. Their pronunciation is not always convincing and certain pronunciation mistakes are easily recognised as being typical for Dutch speakers of English. Although intelligibility cannot exist without adequate pronunciation, teaching English

  18. Teaching the Dutch how to pronounce English

    NARCIS (Netherlands)

    Hermans, Frans; Sloep, Peter

    2018-01-01

    The Dutch overestimate their English speaking skills. Their pronunciation is not always convincing, and certain pronunciation mistakes are easily recognised as being typical for Dutch speakers of English. Although intelligibility cannot exist without adequate pronunciation, teaching English

  19. Financial Sector Linkages and the Dynamics of Bank and Sovereign Credit Spreads

    DEFF Research Database (Denmark)

    Kallestrup, René; Lando, David; Murgoci, Agatha

    We show that banks' foreign asset holdings are significant determinants of bank and sovereign CDS premia. Our analysis uses detailed data on the composition and risk of banks' foreign exposures. For the largest banks, a one standard deviation change in our foreign- exposure risk measure leads...

  20. THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

    Directory of Open Access Journals (Sweden)

    L. N. Sotnikova

    2015-01-01

    Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.