Software Agents Applications Using Real-Time CORBA

Science.gov (United States)

Fowell, S.; Ward, R.; Nielsen, M.

This paper describes current projects being performed by SciSys in the area of the use of software agents, built using CORBA middleware, to improve operations within autonomous satellite/ground systems. These concepts have been developed and demonstrated in a series of experiments variously funded by ESA's Technology Flight Opportunity Initiative (TFO) and Leading Edge Technology for SMEs (LET-SME), and the British National Space Centre's (BNSC) National Technology Programme. Some of this earlier work has already been reported in [1]. This paper will address the trends, issues and solutions associated with this software agent architecture concept, together with its implementation using CORBA within an on-board environment, that is to say taking account of its real- time and resource constrained nature.

A CORBA BASED ARCHITECTURE FOR ACCESSING REUSABLE SOFTWARE COMPONENTS ON THE WEB.

Directory of Open Access Journals (Sweden)

R. Cenk ERDUR

2003-01-01

Full Text Available In a very near future, as a result of the continious growth of Internet and advances in networking technologies, Internet will become the common software repository for people and organizations who employ component based reuse approach in their software development life cycles. In order to use the reusable components such as source codes, analysis, designs, design patterns during new software development processes, environments that support the identification of the components over Internet are needed. Basic elements of such an environment are the coordinator programs which deliver user requests to appropriate component libraries, user interfaces for querying, and programs that wrap the component libraries. First, a CORBA based architecture is proposed for such an environment. Then, an alternative architecture that is based on the Java 2 platform technologies is given for the same environment. Finally, the two architectures are compared.

CORBA technology in reengineering the FTU data acquisition system

International Nuclear Information System (INIS)

Bertocchi, A.; Buceti, G.; Centioli, C.; Di Muzio, D.; Iannone, F.; Panella, M.; Vitale, V.

2002-01-01

In its early stages, Frascati tokamak upgrade DAS was essentially devoted to acquiring data from experiments in CAMAC standard, using a software system (code and database) entirely written by domestic professionals. In 15 years of life DAS has been growing in size and complexity, still preserving its original structure; at the same time new standards were introduced (VME, PCI) to take into account users' ever increasing demands for amount of data and acquisition frequency with which the existing code couldn't cope. Moreover, machines were getting old and the maintenance became troublesome. Finally, the data archive porting to Unix has definitely shown that the DAS system was ageing and a thorough redesign was needed. The system we are planning to introduce is founded on a standard CORBA bus: (i) to integrate heterogeneous platforms and define a standard layer for interactions between the different acquisition units; (ii) to grant, with open source tools (MySql) and interfaces (Html and Java), unified access to hardware and software configuration data. So, a dedicated PC server, connected via a suitable PCI serial highway driver card, will perform the CAMAC access for all the clients interacting through the CORBA layer. Up to now we have successfully tested CAMAC access, and we designed an acquisition unit, which will be the building block of the new system. The next step will be migrating to Alpha/VMS the software related to CAMAC data acquisition, which has been so far the cornerstone of the whole DAS; it will be completely redesigned to fit the 'acquisition unit' paradigm we have defined. Finally we will have a fully distributed data acquisition system with VME (at present six such units have been operating since 1999) and PCI stations, an Alpha/VMS client of the CAMAC/PC server and any possible platform interacting through a CORBA bus for getting data configuration, synchronisation and data archiving

CORBA technology in reengineering the FTU data acquisition system

Energy Technology Data Exchange (ETDEWEB)

Bertocchi, A; Buceti, G; Centioli, C; Di Muzio, D; Iannone, F.; Panella, M; Vitale, V

2002-06-01

In its early stages, Frascati tokamak upgrade DAS was essentially devoted to acquiring data from experiments in CAMAC standard, using a software system (code and database) entirely written by domestic professionals. In 15 years of life DAS has been growing in size and complexity, still preserving its original structure; at the same time new standards were introduced (VME, PCI) to take into account users' ever increasing demands for amount of data and acquisition frequency with which the existing code couldn't cope. Moreover, machines were getting old and the maintenance became troublesome. Finally, the data archive porting to Unix has definitely shown that the DAS system was ageing and a thorough redesign was needed. The system we are planning to introduce is founded on a standard CORBA bus: (i) to integrate heterogeneous platforms and define a standard layer for interactions between the different acquisition units; (ii) to grant, with open source tools (MySql) and interfaces (Html and Java), unified access to hardware and software configuration data. So, a dedicated PC server, connected via a suitable PCI serial highway driver card, will perform the CAMAC access for all the clients interacting through the CORBA layer. Up to now we have successfully tested CAMAC access, and we designed an acquisition unit, which will be the building block of the new system. The next step will be migrating to Alpha/VMS the software related to CAMAC data acquisition, which has been so far the cornerstone of the whole DAS; it will be completely redesigned to fit the 'acquisition unit' paradigm we have defined. Finally we will have a fully distributed data acquisition system with VME (at present six such units have been operating since 1999) and PCI stations, an Alpha/VMS client of the CAMAC/PC server and any possible platform interacting through a CORBA bus for getting data configuration, synchronisation and data archiving.

A CORBA Wrapper for Applications with Multiple Robots

Directory of Open Access Journals (Sweden)

Ekaitz Zulueta

2011-11-01

Full Text Available This paper presents a CORBA wrapper which encapsulates a generic anthropomorphic industrial robot. Since this wrapper abstracts the communications, building applications that require remote manipulation or coordination of several devices may be easily achieved by using it. This article describes an implementation of this wrapper over a real-time operating system (RTOS, namely RTAI. This type of OS ensures determinism in the movement operations of the robot. Also, a low resource consuming implementation of the CORBA specification, namely ORBit, has been used to wrap the robot and implement the communications with other devices. Finally, as a matter of example, we present how this wrapper is used to coordinate the operation of several robots in a typical 'pick & place' operation.

Capital Adequacy and Liquidity in Banking Dynamics: Theory and Regulatory Implications

OpenAIRE

Cao, Jin; Chollete, Loran

2014-01-01

We present a framework for modelling optimum capital adequacy in a dynamic banking context. We combine the (static) capital adequacy framework of Repullo (2013) with a dynamic banking model similar to that of Corbae and D`Erasmo (2014), with the extra feature that the probability of systemic risk is endogenous. Unlike previous work, we examine frameworks to ameliorate bankruptcy using both capital adequacy and liquidity requirements. Since equity is costly, the social cost of regulation may b...

TeleMed: Wide-area, secure, collaborative object computing with Java and CORBA for healthcare

Energy Technology Data Exchange (ETDEWEB)

Forslund, D.W.; George, J.E.; Gavrilov, E.M.

1998-12-31

Distributed computing is becoming commonplace in a variety of industries with healthcare being a particularly important one for society. The authors describe the development and deployment of TeleMed in a few healthcare domains. TeleMed is a 100% Java distributed application build on CORBA and OMG standards enabling the collaboration on the treatment of chronically ill patients in a secure manner over the Internet. These standards enable other systems to work interoperably with TeleMed and provide transparent access to high performance distributed computing to the healthcare domain. The goal of wide scale integration of electronic medical records is a grand-challenge scale problem of global proportions with far-reaching social benefits.

Aviation Safety Modeling and Simulation (ASMM) Propulsion Fleet Modeling: A Tool for Semi-Automatic Construction of CORBA-based Applications from Legacy Fortran Programs

Science.gov (United States)

Sang, Janche

2003-01-01

Within NASA's Aviation Safety Program, NASA GRC participates in the Modeling and Simulation Project called ASMM. NASA GRC s focus is to characterize the propulsion systems performance from a fleet management and maintenance perspective by modeling and through simulation predict the characteristics of two classes of commercial engines (CFM56 and GE90). In prior years, the High Performance Computing and Communication (HPCC) program funded, NASA Glenn in developing a large scale, detailed simulations for the analysis and design of aircraft engines called the Numerical Propulsion System Simulation (NPSS). Three major aspects of this modeling included the integration of different engine components, coupling of multiple disciplines, and engine component zooming at appropriate level fidelity, require relatively tight coupling of different analysis codes. Most of these codes in aerodynamics and solid mechanics are written in Fortran. Refitting these legacy Fortran codes with distributed objects can increase these codes reusability. Aviation Safety s modeling and simulation use in characterizing fleet management has similar needs. The modeling and simulation of these propulsion systems use existing Fortran and C codes that are instrumental in determining the performance of the fleet. The research centers on building a CORBA-based development environment for programmers to easily wrap and couple legacy Fortran codes. This environment consists of a C++ wrapper library to hide the details of CORBA and an efficient remote variable scheme to facilitate data exchange between the client and the server model. Additionally, a Web Service model should also be constructed for evaluation of this technology s use over the next two- three years.

Issues Concerning the Development of a CORBA Trading Service

National Research Council Canada - National Science Library

Lui, Andrew

1999-01-01

.... The Trading Service is a more advanced variant of the Location Service. This work focuses on the design and development of a trader running on CORBA. In particular an implementation of a trader using Java is presented, in addition to discussions on development issues and future research directions on traders.

The implement of java based GUI for data acquisition system

International Nuclear Information System (INIS)

Yang Xiaoqing

2003-01-01

Web based technique have been used to produce a Graphic User Interface framework for small Data Acquisition System. A CORBA library used for the communication with the JRCS servers. The GUI was implemented by Java Swing. the integration between Java and CORBA provide a powerful independent distributed environment. (authors)

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 ...

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…

12 CFR 1229.5 - Capital distributions for adequately capitalized Banks.

Science.gov (United States)

2010-01-01

... capitalized Banks. 1229.5 Section 1229.5 Banks and Banking FEDERAL HOUSING FINANCE AGENCY ENTITY REGULATIONS CAPITAL CLASSIFICATIONS AND PROMPT CORRECTIVE ACTION Federal Home Loan Banks § 1229.5 Capital... classification of adequately capitalized. A Bank may not make a capital distribution if such distribution would...

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

Directory of Open Access Journals (Sweden)

Siti Aisjah

2015-09-01

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

A CORBA sharing and messaging server-client information system

International Nuclear Information System (INIS)

Fernandes, H.; Pereira, J.P.A.; Varandas, C.A.F.

2002-01-01

The design and implementation of a CORBA (Common Object Request Broker Architecture) system has been evaluated to control and remotely operate experiments through an internet/intranet connection. The main objective of this framework is to share an experiment in a multi-user environment, possibly running over a supervisor administration. This should be done in a scalable and extensible framework for data acquisition, independent of conditions such as network infrastructures, operating system or data exchange protocols

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

Energy Technology Data Exchange (ETDEWEB)

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

2018-02-01

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

Upgrading a TEXTOR Data Acquisition system for remote participation using Java and Corba

International Nuclear Information System (INIS)

Korten, M.; Becks, B.; Blom, H.; Busch, P.; Kemmerling, G.; Kooijman, W.; Krom, J.G.; Laat, C.T.A.M. de; Lourens, W.; Meer, E. van der; Nideroest, B.; Oomens, A.A.M.; Wijnoltz, F.; Samm, U.

2000-01-01

The partners in the Trilateral Euregio Cluster (TEC) are implementing and developing Remote Participation technologies that are expected to support a joint research programme on the experimental facility TEXTOR-94. A common TEC architecture for our heterogeneous data acquisition and storage systems is seen to be one of the major issues. As a consequence, legacy systems will be affected and have to be upgraded for optimised wide area network communication, platform independent data access and display. The object oriented redesign of the system to be described follows theses guidelines. The architecture of the system under development uses Java as programming environment and CORBA as Client/Server communication standard. It is described in this paper, how an operational Data Acquisition CAMAC subsystem of TEXTOR-94 based on OpenVMS and Decnet communications could be redesigned into an open, object oriented architecture in a platform independent way. A suitable Web Browser is required on the client side without further installation of application software to run the server. CORBA static method invocations are used for the communication between the client and server. At the server side, there is only Java code on top of the existing commercial OpenVMS CAMAC device driver. A modular object oriented software design permitted to eliminate dependencies of the generic module levels from the underlying bus systems. Porting of the Java code to other platforms like Windows NT and Linux has proven to be successful

Web-Based Distributed Simulation of Aeronautical Propulsion System

Science.gov (United States)

Zheng, Desheng; Follen, Gregory J.; Pavlik, William R.; Kim, Chan M.; Liu, Xianyou; Blaser, Tammy M.; Lopez, Isaac

2001-01-01

An application was developed to allow users to run and view the Numerical Propulsion System Simulation (NPSS) engine simulations from web browsers. Simulations were performed on multiple INFORMATION POWER GRID (IPG) test beds. The Common Object Request Broker Architecture (CORBA) was used for brokering data exchange among machines and IPG/Globus for job scheduling and remote process invocation. Web server scripting was performed by JavaServer Pages (JSP). This application has proven to be an effective and efficient way to couple heterogeneous distributed components.

A CORBA-Based Control Architecture for Real-Time Teleoperation Tasks in a Developmental Humanoid Robot

Directory of Open Access Journals (Sweden)

Hanafiah Yussof

2011-06-01

Full Text Available This paper presents the development of new Humanoid Robot Control Architecture (HRCA platform based on Common Object Request Broker Architecture (CORBA in a developmental biped humanoid robot for real-time teleoperation tasks. The objective is to make the control platform open for collaborative teleoperation research in humanoid robotics via the internet. Meanwhile, to generate optimal trajectory generation in bipedal walk, we proposed a real time generation of optimal gait by using Genetic Algorithms (GA to minimize the energy for humanoid robot gait. In addition, we proposed simplification of kinematical solutions to generate controlled trajectories of humanoid robot legs in teleoperation tasks. The proposed control systems and strategies was evaluated in teleoperation experiments between Australia and Japan using humanoid robot Bonten-Maru. Additionally, we have developed a user-friendly Virtual Reality (VR user interface that is composed of ultrasonic 3D mouse system and a Head Mounted Display (HMD for working coexistence of human and humanoid robot in teleoperation tasks. The teleoperation experiments show good performance of the proposed system and control, and also verified the good performance for working coexistence of human and humanoid robot.

A CORBA-Based Control Architecture for Real-Time Teleoperation Tasks in a Developmental Humanoid Robot

Directory of Open Access Journals (Sweden)

Hanafiah Yussof

2011-06-01

Full Text Available This paper presents the development of new Humanoid Robot Control Architecture (HRCA platform based on Common Object Request Broker Architecture (CORBA in a developmental biped humanoid robot for real‐time teleoperation tasks. The objective is to make the control platform open for collaborative teleoperation research in humanoid robotics via the internet. Meanwhile, to generate optimal trajectory generation in bipedal walk, we proposed a real time generation of optimal gait by using Genetic Algorithms (GA to minimize the energy for humanoid robot gait. In addition, we proposed simplification of kinematical solutions to generate controlled trajectories of humanoid robot legs in teleoperation tasks. The proposed control systems and strategies was evaluated in teleoperation experiments between Australia and Japan using humanoid robot Bonten‐Maru. Additionally, we have developed a user‐ friendly Virtual Reality (VR user interface that is composed of ultrasonic 3D mouse system and a Head Mounted Display (HMD for working coexistence of human and humanoid robot in teleoperation tasks. The teleoperation experiments show good performance of the proposed system and control, and also verified the good performance for working coexistence of human and humanoid robot.

Use of distributed ledger technology by central banks: A review

Directory of Open Access Journals (Sweden)

César del Río

2017-12-01

Full Text Available This paper reviews what stage the central banks of the world’s leading economies are at in their study and adoption of distributed ledger technology (DLT to reengineer their various systems and functions. A brief description of DLT will be given, followed by an analysis of central banks’ publications and pronouncements to determine what each central bank is doing on their journey to DLT adoption. It was found that of the central banks for which information was available, all of them have expressed interest in DLT and have evaluated it to some extent. Nevertheless, no central bank has an operational DLT-based system at this point. This is because some issues remain regarding the speed, cost of processing, security, transparency and privacy, legal settlement finality, scalability and network effects of the technology. As DLT matures, the expectation is that these issues will begin to be resolved.

Módulo Distribuido de Subasta Java sobre CORBA de Tiempo Real

Directory of Open Access Journals (Sweden)

P. Basanta-Val

2012-10-01

Full Text Available Resumen: El uso de infraestructuras middleware que permitan intercomunicar diferentes nodos de un sistema puede aliviar aspectos importantes relacionados con el coste de desarrollo y mantenimiento de dichos sistemas en entornos flexibles. En este contexto el artículo presenta una arquitectura desarrollada dentro del contexto de los sistemas de subasta distribuidos que tienen ciertos requisitos de tiempo real que han de ser satisfechos. Dicha arquitectura implementa un sistema de puja doble (CDA para un sistema de tiempo real industriales. El artículo presenta tanto la arquitectura del sistema con sus diferentes actores así como una evaluación en una plataforma real utilizando middleware de tiempo real ya existente. Abstract: Using middleware infrastructures that enable communication among different nodes in a system may alleviate aspects related to management and development cost in flexible environments. In that context the article presents an auction architecture with certain real-time requirements that have to be satisfied. The architecture implements a continuous double action (CDA algorithm for a real-time middleware. The article describes the architecture (actors and goals and the results obtained by using common-off-the-shelf real-time middleware. Palabras clave: Sistema de Subasta, Informática Industrial, Middleware, Tiempo Real, RT-CORBA, Real-time Java, Keywords: Action Systems, Real-time, Middleware, Industrial informatics, RT-CORBA, Real-time Java

CORBASec Used to Secure Distributed Aerospace Propulsion Simulations

Science.gov (United States)

Blaser, Tammy M.

2003-01-01

The NASA Glenn Research Center and its industry partners are developing a Common Object Request Broker (CORBA) Security (CORBASec) test bed to secure their distributed aerospace propulsion simulations. Glenn has been working with its aerospace propulsion industry partners to deploy the Numerical Propulsion System Simulation (NPSS) object-based technology. NPSS is a program focused on reducing the cost and time in developing aerospace propulsion engines. It was developed by Glenn and is being managed by the NASA Ames Research Center as the lead center reporting directly to NASA Headquarters' Aerospace Technology Enterprise. Glenn is an active domain member of the Object Management Group: an open membership, not-for-profit consortium that produces and manages computer industry specifications (i.e., CORBA) for interoperable enterprise applications. When NPSS is deployed, it will assemble a distributed aerospace propulsion simulation scenario from proprietary analytical CORBA servers and execute them with security afforded by the CORBASec implementation. The NPSS CORBASec test bed was initially developed with the TPBroker Security Service product (Hitachi Computer Products (America), Inc., Waltham, MA) using the Object Request Broker (ORB), which is based on the TPBroker Basic Object Adaptor, and using NPSS software across different firewall products. The test bed has been migrated to the Portable Object Adaptor architecture using the Hitachi Security Service product based on the VisiBroker 4.x ORB (Borland, Scotts Valley, CA) and on the Orbix 2000 ORB (Dublin, Ireland, with U.S. headquarters in Waltham, MA). Glenn, GE Aircraft Engines, and Pratt & Whitney Aircraft are the initial industry partners contributing to the NPSS CORBASec test bed. The test bed uses Security SecurID (RSA Security Inc., Bedford, MA) two-factor token-based authentication together with Hitachi Security Service digital-certificate-based authentication to validate the various NPSS users. The test

Distribution of Depositors’ Return and The Income Smoothing Hypothesis by Malaysian Islamic Banks

Directory of Open Access Journals (Sweden)

Zunaidah Sulong

2018-01-01

Full Text Available The paper aims to examine whether Malaysian Islamic banks carry out income smoothing with regards to their distribution of depositors’ return. The paper also examines the extent Malaysian Islamic banks engage earnings and capital management in their distribution of depositors’ return. This empirical study uses balanced panel data from 16 Malaysian Islamic banks, for the period 2008-2012. The regression model is estimated using random effects specifications. The findings indicate that the earnings before tax, zakat, and provision have a positive but insignificant effect on distribution of depositors’ return (DDR whilst the total capital before provision has a positive and significant effect on the DDR. These findings suggest that Islamic banks carry out income smoothing on the distribution of depositors’ return via capital management. Islamic banks also smooth their earnings through distribution of depositors’ return to avoid earnings troughs when earnings are poor. The findings shows prudence exercise among Malaysian Islamic banks with the objectives of mitigating displaced commercial risk (DCR, which involves massive withdrawal and bank runs risks.

Moving the Hazard Prediction and Assessment Capability to a Distributed, Portable Architecture

Energy Technology Data Exchange (ETDEWEB)

Lee, RW

2002-09-05

The Hazard Prediction and Assessment Capability (HPAC) has been re-engineered from a Windows application with tight binding between computation and a graphical user interface (GUI) to a new distributed object architecture. The key goals of this new architecture are platform portability, extensibility, deployment flexibility, client-server operations, easy integration with other systems, and support for a new map-based GUI. Selection of Java as the development and runtime environment is the major factor in achieving each of the goals, platform portability in particular. Portability is further enforced by allowing only Java components in the client. Extensibility is achieved via Java's dynamic binding and class loading capabilities and a design by interface approach. HPAC supports deployment on a standalone host, as a heavy client in client-server mode with data stored on the client but calculations performed on the server host, and as a thin client with data and calculations on the server host. The principle architectural element supporting deployment flexibility is the use of Universal Resource Locators (URLs) for all file references. Java WebStart{trademark} is used for thin client deployment. Although there were many choices for the object distribution mechanism, the Common Object Request Broker Architecture (CORBA) was chosen to support HPAC client server operation. HPAC complies with version 2.0 of the CORBA standard and does not assume support for pass-by-value method arguments. Execution in standalone mode is expedited by having most server objects run in the same process as client objects, thereby bypassing CORBA object transport. HPAC provides four levels for access by other tools and systems, starting with a Windows library providing transport and dispersion (T&D) calculations and output generation, detailed and more abstract sets of CORBA services, and reusable Java components.

Distributed inter process communication framework of BES III DAQ online software

International Nuclear Information System (INIS)

Li Fei; Liu Yingjie; Ren Zhenyu; Wang Liang; Chinese Academy of Sciences, Beijing; Chen Mali; Zhu Kejun; Zhao Jingwei

2006-01-01

DAQ (Data Acquisition) system is one important part of BES III, which is the large scale high-energy physics detector on the BEPC. The inter process communication (IPC) of online software in distributed environments is very pivotal for design and implement of DAQ system. This article will introduce one distributed inter process communication framework, which is based on CORBA and used in BES III DAQ online software. The article mainly presents the design and implementation of the IPC framework and application based on IPC. (authors)

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

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

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

Large distributed control system using Ada in fusion research

International Nuclear Information System (INIS)

Van Arsdall, P J; Woodruff, J P.

1998-01-01

Construction of the National Ignition Facility laser at Lawrence Livermore National Laboratory features a distributed control system that uses object-oriented software engineering techniques. Control of 60,000 devices is effected using a network of some 500 computers. The software is being written in Ada and communicates through CORBA. Software controls are implemented in two layers: individual device controllers and a supervisory layer. The software architecture provides services in the form of frameworks that address issues common to event-driven control systems. Those services are allocated to levels that strictly prescribe their interdependency so the levels are separately reusable. The project has completed its final design review. The delivery of the first increment takes place in October 1998. Keywords Distributed control system, object-oriented development, CORBA, application frameworks, levels of abstraction

Software To Secure Distributed Propulsion Simulations

Science.gov (United States)

Blaser, Tammy M.

2003-01-01

Distributed-object computing systems are presented with many security threats, including network eavesdropping, message tampering, and communications middleware masquerading. NASA Glenn Research Center, and its industry partners, has taken an active role in mitigating the security threats associated with developing and operating their proprietary aerospace propulsion simulations. In particular, they are developing a collaborative Common Object Request Broker Architecture (CORBA) Security (CORBASec) test bed to secure their distributed aerospace propulsion simulations. Glenn has been working with its aerospace propulsion industry partners to deploy the Numerical Propulsion System Simulation (NPSS) object-based technology. NPSS is a program focused on reducing the cost and time in developing aerospace propulsion engines

Optimal Placement and Sizing of Renewable Distributed Generations and Capacitor Banks into Radial Distribution Systems

Directory of Open Access Journals (Sweden)

Mahesh Kumar

2017-06-01

Full Text Available In recent years, renewable types of distributed generation in the distribution system have been much appreciated due to their enormous technical and environmental advantages. This paper proposes a methodology for optimal placement and sizing of renewable distributed generation(s (i.e., wind, solar and biomass and capacitor banks into a radial distribution system. The intermittency of wind speed and solar irradiance are handled with multi-state modeling using suitable probability distribution functions. The three objective functions, i.e., power loss reduction, voltage stability improvement, and voltage deviation minimization are optimized using advanced Pareto-front non-dominated sorting multi-objective particle swarm optimization method. First a set of non-dominated Pareto-front data are called from the algorithm. Later, a fuzzy decision technique is applied to extract the trade-off solution set. The effectiveness of the proposed methodology is tested on the standard IEEE 33 test system. The overall results reveal that combination of renewable distributed generations and capacitor banks are dominant in power loss reduction, voltage stability and voltage profile improvement.

Frequency distribution of the reduced unit cells of centred lattices from the Protein Data Bank.

Science.gov (United States)

Swaminathan, Kunchithapadam

2012-03-01

In crystallography, a centred conventional lattice unit cell has its corresponding reduced primitive unit cell. This study presents the frequency distribution of the reduced unit cells of all centred lattice entries of the Protein Data Bank (as of 23 August 2011) in four unit-cell-dimension-based groups and seven interaxial-angle-based subgroups. This frequency distribution is an added layer of support during space-group assignment in new crystals. In addition, some interesting patterns of distribution are discussed as well as how some reduced unit cells could be wrongly accepted as primitive lattices in a different crystal system.

Computação de objetos distribuídos na era da internet

Directory of Open Access Journals (Sweden)

Désiré Nguessan

2003-01-01

Full Text Available In this paper, we discuss recent trends in distributed objects and the Internet computing technologies. Both technologies converge to create a paradigm for distributed computing. We provide an overview of CORBA (Common Object Request Broker Architecture, emphasizing its open architecture for distributed application based on distributed objects and the IIOP (Internet Inter-ORB Protocol that improve the integration of the applications in heterogeneous environments. The CORBA protocol is emerging as the business application messaging standard for the Internet and deserves attention from Information Technologies (IT organizations. We conclude that CORBA, together with the Internet, constitute a perfect symbiotic relationship to build, maintain and extend client/server applications with critical mission.

Arquitectura para balancear carga dinámica por demanda adaptativa, utilizando CORBA en JAVA-IDL

OpenAIRE

Jesús Chávez Esparza; Gerardo Rentería Castillo; Francisco Javier Luna Rosas

2008-01-01

En este trabajo desglosaremos la elaboración de una nueva Arquitectura para balancear carga dinámica, por demanda adaptativa, utilizando CORBA en JAVA-IDL. Una arquitectura de balanceo de carga es un sistema que permite distribuir el trabajo computacional entre varias máquinas, con el objetivo de reducir el tiempo de respuesta global del sistema. A través de las pruebas se justifica el uso de la arquitectura y se definen los parámetros a considerar para obtener un óptimo desempeño, refiriéndo...

Use of psychoactive substances in prison: Results of a study in the Lyon-Corbas prison, France.

Science.gov (United States)

Sahajian, F; Berger-Vergiat, A; Pot, E

2017-09-01

In prison, in 2012, according to various sources, from 4 to 56% of the European inmate population used psychoactive substances (PAS). The aim of our study was to describe PAS consumption during incarceration in the prison of Lyon-Corbas, France. A transversal descriptive study was conducted between September 23rd and September 27th 2013 among all inmates of this prison. We used an anonymous self-administered questionnaire, distributed at lunchtime and collected, the same day, at dinnertime, by the mental health service personnel. Among 785 inmates present at the time of the study in the prison of Lyon-Corbas, 710 were included and the response rate was 64.4% (95% CI [60.8-67.8]). Among 457 responding inmates, 16.4% (95% CI [13.2-20.0]) reported no PAS consumption. Among 382 consumers, 74.4% (95% CI [69.8-78.5]) used tobacco, 36.8% (95% CI [32.2-41.8]) cannabis, 30.4% (95% CI [25.9-35.1]) alcohol, 7.7% (95% CI [5.2-10.6]) heroin and 10.3% (95% CI [7.5-13.6]) cocaine. Furthermore, 15% of consumers had started PAS consumption during their incarceration. Among consumers of at least one PAS other than tobacco, cannabis and alcohol, the way of consumption was sniff for 60.0% (95% CI [48.5-70.2]) and injection for 31.0% (95% CI [21.6-42.1]). Use of several PAS at the same time and sharing sniffing and/or injection paraphernalia were other risky behaviors observed; 12% (95% CI [5.8-20.4]) of drug injectors declared using chlorine to sterilize their injection paraphernalia. Our study provides worrying data about PAS consumption in prison. The measures of prohibition do not prevent this consumption. There is even an initiation of consumption of PAS for 15% of the first-time incarcerated inmates. This finding should encourage public authorities to facilitate access of inmates to the care structures in prisons, to improve drug use prevention and care programs and to develop activities (sports, cultural, educational and vocational). Copyright © 2017 Elsevier Masson SAS

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

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Masnawati .

2016-04-01

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

DISTRIBUTION OF BANKING PRODUCTS AND SERVICES

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BULGAREA CATALIN NICOLAE

2010-12-01

Full Text Available Starting with the 90s, retails banks have faced several challenges. One of them is how to efficiently deliver their products and services to the customers. In fact, the most important challenge of a bank is how to efficiently reach the customer, with the right product or service, at the right time. Today, they can choose between branches, contact centers, ATMs, online channels, portals and web banks. Multichannel banking is, therefore, more relevant than ever. Multichannel banking is more than just offering multiple channels, but offering integrated channels, with the optimal balance of services, prices and offer across channels. Banks should have the ability to deliver the right service at the right time in the right channel. The bank should define exactly how they are going to use each channels, which services and products in which channels, how to mix and integrate the channels and how to support the channels

Microencapsulating and Banking Living Cells for Cell-Based Medicine

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Wujie Zhang

2011-01-01

Full Text Available A major challenge to the eventual success of the emerging cell-based medicine such as tissue engineering, regenerative medicine, and cell transplantation is the limited availability of the desired cell sources. This challenge can be addressed by cell microencapsulation to overcome the undesired immune response (i.e., to achieve immunoisolation so that non-autologous cells can be used to treat human diseases, and by cell/tissue preservation to bank living cells for wide distribution to end users so that they are readily available when needed in the future. This review summarizes the status quo of research in both cell microencapsulation and banking the microencapsulated cells. It is concluded with a brief outlook of future research directions in this important field.

Risk of Debt-Based Financing in Indonesian Islamic Banking

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Kharisya Ayu Effendi

2017-05-01

Full Text Available The purpose of this study is to know the risk of debt-based financing in Islamic banking in Indonesia by using an accounting based calculation, those are NPF analysis, Credit risk Z-score and Altman Z-score. This study is telling about the risk of debt-based finacing on Indonesian Islamic banking using an accounting based measurement, those are NPF analysis, Credit Risk Z-score analysis and Altman Z-score analysis. The data was obtained from 2011 to 2015 from the website of each bank. The result is a risk on debt-based financing on Indonesian Islamic banking is low. The measurement using 3 accounting based measurement tool gives a consistent result, that is Indonesian Islamic banking use a debt-based financing have a high financial stability and a low risk.DOI: 10.15408/aiq.v9i2.4821

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

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Evi Sistiyarini

2017-04-01

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

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

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Muhamad Abduh

2008-01-01

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

Global Banking System Regulatory Environment

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Oleh Mozhovyi

2017-03-01

Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

Developing Islamic Banking Performance Measures Based on Maqasid Al-Shari’ah Framework: Cases of 24 Selected Banks

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Mustafa Omar Mohammed

2015-08-01

Full Text Available Islamic banking has achieved remarkable growth that has surpassed the growth of the conventional banking system. Yet, studies show that the performances of Islamic banks (IBs seem to be trailing behind the conventional banks (CBs. Is the poor performance of IBs the result of mismatch between their objectives and their performance measurement criteria or it is a reflection of their true performances? The objectives of Islamic banking had not been formally addressed. Mustafa and Taib (2009 derived the objectives of Islamic banking from Abu Zahara’s theory of the objectives of Shari’ah (Maqasid al-Shari’ah and, based on these Shari’ah objectives, developed a model of Islamic banking performance measures. They named it as Performance Measures based on Maqasid al-Shari’ah framework or the PMMS model. This paper has tested the PMMS model on a sample 24 banks (12 IBs and 12 CBs. The twenty four banks were also evaluated using the traditional conventional financial measures. Mann-Whitney U-Test results show IBs faring well in their performances when measured using the PMMS model than when they are measured using the conventional banking performance yardstick. Policy prescriptions and recommendations for further studies are provided at the concluding section of the paper.

Some observations of the pressure distribution in a tube bank for conditions of self generated acoustic resonance

International Nuclear Information System (INIS)

Fitzpatrick, J.A.; Donaldson, I.S.; McKnight, W.

1979-01-01

The results for mean and fluctuating pressure distributions around tubes in an in-line tube bank are presented for both non-resonant and self-excited acoustic standing wave resonant flow regimes. It is readily deduced that the nature of the flow in the bank is dramatically altered with the onset of acoustic resonance. The velocity gradients which appear across the bank with the onset of resonance would suggest regions of flow recirculation in the bank although no evidence of this was found. The spectra of fluctuating pressure on the duct roof in the bank and on tubes deep in the bank exhibited coherent peaks only during resonance. (author)

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…

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 ...

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

Science.gov (United States)

2013-12-06

...Section 20A of the Federal Home Loan Bank Act (Bank Act), requires the Director of the Federal Housing Finance Agency (FHFA) to make available to the Federal Home Loan Banks (Banks) such reports, records, or other information as may be available, relating to the condition of any Bank in order to enable each Bank to evaluate the financial condition of one or more of the other Banks individually and the Bank System as a whole. FHFA has adopted, and published in this issue of the Federal Register, a regulation to implement the statutory information sharing provisions, which will be located at 12 CFR part 1260. As required by Sec. 1260.2(b) of that regulation, FHFA is providing this notification to the Banks and the Bank System's Office of Finance of the categories of information that it will distribute under part 1260 beginning on the effective date noted below.

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

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Ali Rezaeian

2018-03-01

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

A qualitative study of nutrition-based initiatives at selected food banks in the feeding America network.

Science.gov (United States)

Handforth, Becky; Hennink, Monique; Schwartz, Marlene B

2013-03-01

Food banks are the foundation of the US emergency food system. Although their primary mission is to alleviate hunger, the rise in obesity and diet-related diseases among food-insecure individuals has led some food bank personnel to actively promote more nutritious products. A qualitative interview approach was used to assess nutrition-related policies and practices among a sample of 20 food banks from the national Feeding America network. Most food bank personnel reported efforts to provide more fresh produce to their communities. Several described nutrition-profiling systems to evaluate the quality of products. Some food banks had implemented nutrition policies to cease distributing low-nutrient products, such as soda and candy; however, these policies were more controversial than other strategies. The obstacles to implementing strong nutrition policies included fear of reducing the total amount of food distributed, discomfort choosing which foods should not be permitted, and concern about jeopardizing relationships with donors and community partners. Empirical research is needed to measure how food bank nutrition policies influence relationships with food donors, the amount of food distributed, the nutritional quality of food distributed, and the contribution of food bank products to the food security and nutritional status of the communities they serve. Copyright © 2013 Academy of Nutrition and Dietetics. Published by Elsevier Inc. All rights reserved.

Generative adversarial network based telecom fraud detection at the receiving bank.

Science.gov (United States)

Zheng, Yu-Jun; Zhou, Xiao-Han; Sheng, Wei-Guo; Xue, Yu; Chen, Sheng-Yong

2018-06-01

Recently telecom fraud has become a serious problem especially in developing countries such as China. At present, it can be very difficult to coordinate different agencies to prevent fraud completely. In this paper we study how to detect large transfers that are sent from victims deceived by fraudsters at the receiving bank. We propose a new generative adversarial network (GAN) based model to calculate for each large transfer a probability that it is fraudulent, such that the bank can take appropriate measures to prevent potential fraudsters to take the money if the probability exceeds a threshold. The inference model uses a deep denoising autoencoder to effectively learn the complex probabilistic relationship among the input features, and employs adversarial training that establishes a minimax game between a discriminator and a generator to accurately discriminate between positive samples and negative samples in the data distribution. We show that the model outperforms a set of well-known classification methods in experiments, and its applications in two commercial banks have reduced losses of about 10 million RMB in twelve weeks and significantly improved their business reputation. Copyright © 2018 Elsevier Ltd. All rights reserved.

Computer Based Asset Management System For Commercial Banks

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Amanze

2015-08-01

Full Text Available ABSTRACT The Computer-based Asset Management System is a web-based system. It allows commercial banks to keep track of their assets. The most advantages of this system are the effective management of asset by keeping records of the asset and retrieval of information. In this research I gather the information to define the requirements of the new application and look at factors how commercial banks managed their asset.

Connectionist agent-based learning in bank-run decision making

Science.gov (United States)

Huang, Weihong; Huang, Qiao

2018-05-01

It is of utter importance for the policy makers, bankers, and investors to thoroughly understand the probability of bank-run (PBR) which was often neglected in the classical models. Bank-run is not merely due to miscoordination (Diamond and Dybvig, 1983) or deterioration of bank assets (Allen and Gale, 1998) but various factors. This paper presents the simulation results of the nonlinear dynamic probabilities of bank runs based on the global games approach, with the distinct assumption that heterogenous agents hold highly correlated but unidentical beliefs about the true payoffs. The specific technique used in the simulation is to let agents have an integrated cognitive-affective network. It is observed that, even when the economy is good, agents are significantly affected by the cognitive-affective network to react to bad news which might lead to bank-run. Both the rise of the late payoffs, R, and the early payoffs, r, will decrease the effect of the affective process. The increased risk sharing might or might not increase PBR, and the increase in late payoff is beneficial for preventing the bank run. This paper is one of the pioneers that links agent-based computational economics and behavioral economics.

An Indicator Based Assessment Methodology Proposal for the Identification of Domestic Systemically Important Banks within the Turkish Banking Sector

OpenAIRE

Ozge ULKUTAS SACCI; Guven SAYILGAN

2014-01-01

This study aims to identify domestic systemically important banks (D-SIB) operating within the Turkish Banking Sector. In this regard, adopting an indicator based assessment methodology together with the cluster analysis application, banks in the sample are classified in terms of their degree of systemic importance by using publicly available year-end data of 2012. The study has shown that a total of 7 banks with the highest systemic importance clustered away from the remaining 21 banks in th...

Class-Wide Access to a Commercial Step 1 Question Bank During Preclinical Organ-Based Modules: A Pilot Project.

Science.gov (United States)

Baños, James H; Pepin, Mark E; Van Wagoner, Nicholas

2018-03-01

The authors examined the usefulness of a commercially available Step 1 question bank as a formative academic support tool throughout organ-based modules in an integrated preclinical medical curriculum. The authors also determined the extent to which correlation between question bank utilization and academic metrics varied with Medical College Admission Test (MCAT) scores. In 2015, a cohort of 185 first-year medical students at University of Alabama School of Medicine were provided with 18-month full access to a commercially available Step 1 question bank of over 2,100 items throughout organ-based modules, although there were no requirements for use. Data on student use of the question bank were collected via an online administrative portal. Relationships between question bank utilization and academic outcomes including exams, module grades, and United States Medical Licensing Examination (USMLE) Step 1 were determined using multiple linear regression. MCAT scores and number of items attempted in the question bank significantly predicted all academic measures, with question bank utilization as the stronger predictor. The association between question bank utilization and academic outcome was stronger for individuals with lower MCAT scores. The findings elucidate a novel academic support mechanism that, for some programs, may help bridge the gap between holistic and mission-based admissions practices and a residency match process that places a premium on USMLE exam scores. Distributed formative use of USMLE Step 1 practice questions may be of value as an academic support tool that benefits all students, but particularly those entering with lower MCAT scores.

Developing a model for application of electronic banking based on electronic trust

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Amir Hooshang Nazarpoori

2014-05-01

Full Text Available This study develops a model for application of electronic banking based on electronic trust among costumers of Day bank in KhoramAbad city. A sample of 150 people was selected based on stratified random sampling. Questionnaires were used for the investigation. Results indicate that technology-based factors, user-based factors, and trust had negative relationships with perceived risk types including financial, functional, personal, and private. Moreover, trust including trust in system and trust in bank had a positive relationship with tendency to use and real application of electronic banking.

Comparative Prospects of the New Development Bank and Asian Infrastructure Investment Bank

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Andrei Shelepov

2016-11-01

Full Text Available In this article the author focuses on the recently established New Development Bank (NDB and Asian Infrastructure Investment Bank (AIIB. It identifies two factors of demand for this new model of multilateral development banks (MDBs, namely a lack of infrastructure financing and the aspirations of developing countries for a greater role in the global financial system. The author also compares the NDB and AIIB according to membership, management structure, distribution of capital and votes, and options for attracting capital in the financial market. Based on this comparison, he forecasts the banks’ credit portfolios growth until 2025. The author concludes that both institutions should accumulate and use the best practices of existing MDBs, improve their image to attract investors and actively engage in sharing expertise and co-financing projects with development institutions as well as commercial banks. By doing so, the volume of their operations could reach $40 billion per year in 10 years, which is close to the volume of infrastructure financing provided by major traditional banks, and could contribute substantially to addressing the financing needs of developing countries.

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 ...

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...

The interrupted power law and the size of shadow banking.

Science.gov (United States)

Fiaschi, Davide; Kondor, Imre; Marsili, Matteo; Volpati, Valerio

2014-01-01

Using public data (Forbes Global 2000) we show that the asset sizes for the largest global firms follow a Pareto distribution in an intermediate range, that is "interrupted" by a sharp cut-off in its upper tail, where it is totally dominated by financial firms. This flattening of the distribution contrasts with a large body of empirical literature which finds a Pareto distribution for firm sizes both across countries and over time. Pareto distributions are generally traced back to a mechanism of proportional random growth, based on a regime of constant returns to scale. This makes our findings of an "interrupted" Pareto distribution all the more puzzling, because we provide evidence that financial firms in our sample should operate in such a regime. We claim that the missing mass from the upper tail of the asset size distribution is a consequence of shadow banking activity and that it provides an (upper) estimate of the size of the shadow banking system. This estimate-which we propose as a shadow banking index-compares well with estimates of the Financial Stability Board until 2009, but it shows a sharper rise in shadow banking activity after 2010. Finally, we propose a proportional random growth model that reproduces the observed distribution, thereby providing a quantitative estimate of the intensity of shadow banking activity.

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...

Bank performance evaluation using dynamic DEA A slacks-based measure approach

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Morteza Shafiee

2013-12-01

Full Text Available Data envelopment analysis (DEA has been applied in many studies in the banking industry but deficiency of empirical studies in Iranian banking sector that incorporate time factor into the efficiency, have still remained. Previous studies measured the efficiency of bank branches in a single period within cross-sectional data. They did not considered effect of interconnecting activities (links between two consecutive terms. The main contribution of this paper is to evaluate the efficiency of an Iranian bank using dynamic SBM model in DEA during three consecutive terms considering net profit as a good link and loan losses as a bad link. In order to realize most important variables (inputs-outputs, relative to our case, we made a checklist and distributed them among headmen of branches and arranged an interview with the CEO of bank. Dynamic SBM efficiency is compared with its static efficiency to check the validity of described model. In addition, input-bad link excesses and output-good link shortfalls (slacks are analyzed and further suggestions to the management are provided.

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

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ELENA SILVIA DINCULESCU

2010-01-01

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

Evaluation Of Selected Commercial Banks Financing Of Agro Based ...

African Journals Online (AJOL)

The result showed that the agro-based enterprises are faced with the problems of insufficient collateral, high interest rate and poor documentation while the banks are faced with the problems of loan diversion, irregular loan repayment and none presentation of perfectible collaterals by loan beneficiaries. Commercial banks ...

GUEST EDITORS' INTRODUCTION: Guest Editors' introduction

Science.gov (United States)

Guerraoui, Rachid; Vinoski, Steve

1997-09-01

be layered over both Object Services and the ORB. The OMG creates specifications, not code, but the interfaces it standardizes are always derived from demonstrated technology submitted by member companies. The specified interfaces are written in a neutral Interface Definition Language (IDL) that defines contractual interfaces with potential clients. Interfaces written in IDL can be translated to a number of programming languages via OMG standard language mappings so that they can be used to develop components. The resulting components can transparently communicate with other components written in different languages and running on different operating systems and machine types. The ORB is responsible for providing the illusion of `virtual homogeneity' regardless of the programming languages, tools, operating systems and networks used to realize and support these components. With the adoption of the CORBA 2.0 specification in 1995, these components are able to interoperate across multi-vendor CORBA-based products. More than 700 member companies have joined the OMG, including Hewlett-Packard, Digital, Siemens, IONA Technologies, Netscape, Sun Microsystems, Microsoft and IBM, which makes it the largest standards body in existence. These companies continue to work together within the OMG to refine and enhance the OMA and its components. This special issue of Distributed Systems Engineering publishes five papers that were originally presented at the `Distributed Object-Based Platforms' track of the 30th Hawaii International Conference on System Sciences (HICSS), which was held in Wailea on Maui on 6 - 10 January 1997. The papers, which were selected based on their quality and the range of topics they cover, address different aspects of CORBA, including advanced aspects such as fault tolerance and transactions. These papers discuss the use of CORBA and evaluate CORBA-based development for different types of distributed object systems and architectures. The first paper, by S

A holistic approach to marketing in Montenegrin banks

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Žugić Jelena

2016-01-01

Full Text Available In modern conditions of market globalization and strong competition, it is necessary to improve a holistic approach to marketing in banks. This paper is based on the research conducted in the banks in Montenegro. The goal of this study was to determine whether the Montenegrin banks have clearly redefined the concept of marketing, recognized the specific nature of marketing in banking and adopted a holistic marketing concept in modern banking. The main purpose of marketing in banking is to attract, retain and develop long-term relationships with customers and other stakeholders. Also, the marketing concept in banking includes the achievement of full cooperation with customers through relationship marketing, customer relationship management (CRM, alternative distribution channels in modern banking and, in general, a holistic approach to marketing. Holistic marketing analysis will help identify the strengths and weaknesses in marketing in the banking sector of Montenegro and give platform for strategic planning for its further development.

BANKING INTERMEDIATION AND CONSEQUENCES OF FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Medar Lucian-Ion

2012-12-01

Full Text Available The financial intermediation of bank institutions, has an essential role in mobilising of the available funds and their distribution in various products and services, for economic growth. The extent that banking system is in distress or passing through a period of crisis, then, everything turns into a general crisis, especially that, in some states, natural and legal persons have been learned ,,to live’’ on the credits.The effectiveness of banking intermediation activity in Romania depends on how fast the market is enabled under the influence of the new European regulations. The Romanian market in all its forms is the second largest in the EU, and the banking system is almost entirely made up of banks with foreign capital. The romanian banking market has not suffered so much because of the financial crisis. To the extent that banking institutions provide the necessary funds, Romania has important resources for the transition to a new economic cycle based on sustainable development.

MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA

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Rofikoh Rokhim

2014-10-01

Full Text Available AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51

APAKAH DISTRIBUSI BAGI HASIL CASH BASIS ADIL BAGI DEPOSAN BANK SYARIAH ?

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Saparuddin Siregar

2016-04-01

Full Text Available Abstrak: Apakah Distribusi Bagi Hasil Cash Basis Berkeadilan Bagi Deposan Bank Syariah? Artikel ini bertujuan untuk menganalisis metode pendistribusian bagi hasil bank syariah di Indonesia dengan berfokus kepada penerapan basis kas. Artikel ini menggunakan pendekatan kritis berdasarkan teori keadilan yang menekankan pada analisis koherensi atau konsistensi. Hasil studi menunjukkan bahwa distribusi bagi hasil basis kas tidak diterapkan secara konsisten untuk seluruh stakeholder bank syariah. Hal ini menyebabkan penerimaan yang lebih rendah untuk deposan. Studi ini merekomendasikan perlunya revisi terhadap standar akuntansi syariah agar menerapkan basis akrual pada semua bentuk distribusi bagi hasil. Abstract: Is Cash-Basis Profi-and-Loss Sharing Distribution Just for Islamic Bank Depositors? This article aims to analyze the distribution method of the profi sharing of Islamic bank in Indonesia which focusing in the application of cash basis. This article uses a critical approach which based in a theory of justice that emphasizes on the analysis of coherence or consistency. The study shows that the distribution of cash basis profi sharing are not applied consistently to all stakeholders in Islamic banks. This causes the lower receipts for depositors. This study recommends for a revision of the sharia accounting standards which apply to all forms of accrual basis for the profi sharing distribution.

Nuclear model codes and related software distributed by the OECD/NEA Data Bank

International Nuclear Information System (INIS)

Sartori, E.

1993-01-01

Software and data for nuclear energy applications is acquired, tested and distributed by several information centres; in particular, relevant computer codes are distributed internationally by the OECD/NEA Data Bank (France) and by ESTSC and EPIC/RSIC (United States). This activity is coordinated among the centres and is extended outside the OECD area through an arrangement with the IAEA. This article covers more specifically the availability of nuclear model codes and also those codes which further process their results into data sets needed for specific nuclear application projects. (author). 2 figs

[Effects of submarine topography and water depth on distribution of pelagic fish community in minnan-taiwan bank fishing ground].

Science.gov (United States)

Fang, Shuimei; Yang, Shengyun; Zhang, Chengmao; Zhu, Jinfu

2002-11-01

According to the fishing record of the light-seine information vessel in Minnan-Taiwan bank ground during 1989 to 1999, the effects of submarine topography and water depth on distribution of pelagic fish community in Minnan-Taiwan bank fishing ground was studied. The results showed that the pelagic fish distributed concentratively, while the submarine topography and water depth varied widely, but in different fishing regions, the distribution of pelagic fishes was uneven. The distribution of fishing yield increased from north to south, and closed up from sides of the bank to south or north in the regions. Pelagic fish distributed mainly in mixed water in the southern Taiwan Strait, and in warm water in the Taiwan Strait. The central fishing grounds were at high salt regions. Close gathering regions of pelagic fish or central fishing ground would be varied with the seasonal variation of mixed water in the southern Taiwan Strait and warm water in the Taiwan Strait. Central fishing ground was not only related to submarine topography and water depth, but also related to wind direction, wind-power and various water systems. In the fishing ground, the gathering depth of pelagic fish was 30-60 m in spring and summer, and 40-80 m in autumn and winter.

Prediction of Banking Systemic Risk Based on Support Vector Machine

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Shouwei Li

2013-01-01

Full Text Available Banking systemic risk is a complex nonlinear phenomenon and has shed light on the importance of safeguarding financial stability by recent financial crisis. According to the complex nonlinear characteristics of banking systemic risk, in this paper we apply support vector machine (SVM to the prediction of banking systemic risk in an attempt to suggest a new model with better explanatory power and stability. We conduct a case study of an SVM-based prediction model for Chinese banking systemic risk and find the experiment results showing that support vector machine is an efficient method in such case.

Determinants of Bank Selection Choices in Malaysia: A Demographic based Investigation

OpenAIRE

Celestine Fernandez, Dominic

2008-01-01

Banking is an important contributor to the economic growth around the world. The benefits of understanding consumer selection decisions will provide bankers with a competitive advantage as it has the ability to influence the marketing mix. With rising overheads and price competition, the profit margins earned from bank services are being narrowed. Banks will have to capture a sizeable customer base to sustain their profitability and turnover. Malaysia was chosen for this study as banks have b...

Centrally Banked Cryptocurrencies

OpenAIRE

Danezis, George; Meiklejohn, Sarah

2015-01-01

Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of scalability and computational cost. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on a distribut...

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

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Yaser Taufik Syamlan

2017-06-01

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

Big Bad Banks? The Winners and Losers From Bank Deregulation in the United States

NARCIS (Netherlands)

Beck, T.H.L.; Levine, R.; Levkov, A.

2009-01-01

We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through the 1990s, most states removed restrictions on intrastate branching, which intensified bank competition and improved bank performance. Exploiting the cross-state, cross-time variation

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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Yuliya Onyshchenko

2015-11-01

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

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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Rahmatina A. Kasri

2017-08-01

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

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

Science.gov (United States)

Kean, J. W.; Smith, J.

2001-12-01

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

Using a micro computer based test bank

International Nuclear Information System (INIS)

Hamel, R.T.

1987-01-01

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

Neural networks for combined control of capacitor banks and voltage regulators in distribution systems

Energy Technology Data Exchange (ETDEWEB)

Gu, Z.; Rizy, D.T.

1996-02-01

A neural network for controlling shunt capacitor banks and feeder voltage regulators in electric distribution systems is presented. The objective of the neural controller is to minimize total I{sup 2}R losses and maintain all bus voltages within standard limits. The performance of the neural network for different input selections and training data is discussed and compared. Two different input selections are tried, one using the previous control states of the capacitors and regulator along with measured line flows and voltage which is equivalent to having feedback and the other with measured line flows and voltage without previous control settings. The results indicate that the neural net controller with feedback can outperform the one without. Also, proper selection of a training data set that adequately covers the operating space of the distribution system is important for achieving satisfactory performance with the neural controller. The neural controller is tested on a radially configured distribution system with 30 buses, 5 switchable capacitor banks an d one nine tap line regulator to demonstrate the performance characteristics associated with these principles. Monte Carlo simulations show that a carefully designed and relatively compact neural network with a small but carefully developed training set can perform quite well under slight and extreme variation of loading conditions.

Risk Contagion in Chinese Banking Industry: A Transfer Entropy-Based Analysis

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Jianping Li

2013-12-01

Full Text Available What is the impact of a bank failure on the whole banking industry? To resolve this issue, the paper develops a transfer entropy-based method to determine the interbank exposure matrix between banks. This method constructs the interbank market structure by calculating the transfer entropy matrix using bank stock price sequences. This paper also evaluates the stability of Chinese banking system by simulating the risk contagion process. This paper contributes to the literature on interbank contagion mainly in two ways: it establishes a convincing connection between interbank market and transfer entropy, and exploits the market information (stock price rather than presumptions to determine the interbank exposure matrix. Second, the empirical analysis provides an in depth understanding of the stability of the current Chinese banking system.

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

Science.gov (United States)

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

2018-02-01

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

ELECTRONIC BANKING SERVICES IN ECONOMY BASED ON KNOWLEDGE

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Răbonţu Cecilia Irina

2009-05-01

Full Text Available The term "electronic banking" or "ebanking" covers both computer and telephone banking. Using computer banking, a charity’s computer either dials directly into its bank's computer or gains access to the bank’s computer over the internet. Using telephone banking, the charity controls its bank accounts by giving the bank instructions over the telephone. Both computer and telephone banking involve the use of passwords which give access to the charity’s accounts. Technological innovation and competition among existing banking organizations have allowed a wider array of banking products and services to become accessible and delivered through the Internet. The rapid development of e-banking capabilities carries risks as well as benefits. The bankers are to recognize, address and manage banking institutions in a prudent manner according to the fundamental characteristics and challenges of e-banking services

THE RISE OF MOBILE BANKING

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IMOLA DRIGĂ

2015-12-01

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

Software-Based Visual Loan Calculator For Banking Industry

Science.gov (United States)

Isizoh, A. N.; Anazia, A. E.; Okide, S. O. 3; Onyeyili, T. I.; Okwaraoka, C. A. P.

2012-03-01

industry is very necessary in modern day banking system using many design techniques for security reasons. This paper thus presents the software-based design and implementation of a Visual Loan calculator for banking industry using Visual Basic .Net (VB.Net). The fundamental approach to this is to develop a Graphical User Interface (GUI) using VB.Net operating tools, and then developing a working program which calculates the interest of any loan obtained. The VB.Net programming was done, implemented and the software proved satisfactory.

Cash efficiency for bank branches.

Science.gov (United States)

Cabello, Julia García

2013-01-01

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

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...

Banking Crisis Early Warning Model based on a Bayesian Model Averaging Approach

Directory of Open Access Journals (Sweden)

Taha Zaghdoudi

2016-08-01

Full Text Available The succession of banking crises in which most have resulted in huge economic and financial losses, prompted several authors to study their determinants. These authors constructed early warning models to prevent their occurring. It is in this same vein as our study takes its inspiration. In particular, we have developed a warning model of banking crises based on a Bayesian approach. The results of this approach have allowed us to identify the involvement of the decline in bank profitability, deterioration of the competitiveness of the traditional intermediation, banking concentration and higher real interest rates in triggering bank crisis.

Measuring the performance of Islamic banks using maqāsid based model

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Mustafa Omar Mohammed

2015-12-01

Full Text Available The vision and mission of Islamic banks were supposed to reflect the adherence of their activities and aspiration to Maqāṣid al-Sharī‘ah. However, there are contentions that Islamic banks have been converging towards conventional banking system. Efforts have been expended to reverse the tide and harmonise Islamic banking to its Sharī‘ah objectives. Hitherto, the existing conventional yardsticks have failed to measure the impact of the harmonisation exercise on Islamic banks’ performance. Therefore, using maqāṣid based yardstick to measure the performance of Islamic banks becomes imperative. This study has made use of al-Imām al-Ghazālī’s theory of Maqāṣid al-Sharī‘ah and Ibn ‘Āshūr’s reinterpretation, adopting content analysis and Sekaran (2000 behavioral science methods to develop a Maqāṣid Based Performance Evaluation Model (MPEM to measure the performance of Islamic banks. Experts’ opinions have validated the model and its acceptability. Suggestions are provided to policy makers and future research.

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.

Organization of eye bank

International Nuclear Information System (INIS)

Reddy, S.C.

1999-01-01

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

A cyber kill chain based taxonomy of banking Trojans for evolutionary computational intelligence

OpenAIRE

Kiwia, D; Dehghantanha, A; Choo, K-KR; Slaughter, J

2017-01-01

Malware such as banking Trojans are popular with financially-motivated cybercriminals. Detection of banking Trojans remains a challenging task, due to the constant evolution of techniques used to obfuscate and circumvent existing detection and security solutions. Having a malware taxonomy can facilitate the design of mitigation strategies such as those based on evolutionary computational intelligence. Specifically, in this paper, we propose a cyber kill chain based taxonomy of banking Trojans...

Banking on Solar: Debt Finance in Today's Distributed Market (Poster)

Energy Technology Data Exchange (ETDEWEB)

Louder, T.

2014-10-01

Over the last two years, several entities - from banks to credit unions to solar finance companies -have rolled out distributed solar-specific loan programs in the United States. These solar-specific loans are a distinct loan in that the underwriting, loan terms, lender security interest, and other programmatic aspects are designed exclusively for the financing of solar installations. Until recently, loan financing for distributed solar installations was largely through home equity loans, commercial loans, and other standardized loan products available to homeowners and businesses for general expenditures. However, as the U.S. solar market matures, so too are its financing options, and solar-specific loans stand to gain market share. This poster was presented at the Solar Power International conference in Las Vegas, NV in October 2014.

PELAKSANAAN DAN SISTEM BAGI HASIL PEMBIAYAAN Al-MUDHARABAH PADA BANK SYARIAH

Directory of Open Access Journals (Sweden)

Erni Susana

2017-03-01

Full Text Available Al-Mudharabah finance distribution was given to all economy sectors which could give profit and forbiddistribution for the business which was illegal. Al-Mudharabah financing was distributed for the business offarming, trading, construction, and other service businesses. The aim of this article was to know the realizationand application of Al-Mudharabah finance profit sharing system at PT. Bank Muamalat Indonesia Tbk,branch of Malang, realization of al-mudharaba financing and profit sharing system at Bank Muamalat Indonesia,branch of Malang. The realization of al-mudharabah financing and profit sharing system at BankMuamalat Indonesia, branch of Malang was right and suitable with financing analysis based on the principleof syariah.

The Asymmetric Effects of Monetary Policy and Bank Credits in Taiwan Banking Industry - A Dynamic Panel Data Analysis

OpenAIRE

Jui-Chuan Chang; Ching-Chuan Tsong; Chieh-Tsung Wu

2010-01-01

This paper investigates whether distributional effect arising from the impact of monetary policy on bank credits will be different when monetary policy is asymmetric. Methodologically, we use a set of high frequency panel data for Taiwan commercial banks and adopt Arellano and Bond's (1991) generalized method of moments approach to conduct our empirical analysis. First of all, we investigate whether there exist the distributional effects of monetary policy on bank lending behavior which is as...

The Role of Participation Banking as Alternative Financing Channels to Substitute for Deposit Banks and its Growth in the Turkish Finance Market - Period: 2007-2015

Directory of Open Access Journals (Sweden)

Ferhat Sayım

2017-09-01

Full Text Available Financial systems and companies have become the most important reasons in the weakness of world economic system. The formation and development process of the financial structure also constitute the infrastructure of the world economic system. The path of the financial system and development has led to discuss with the financial crisis in 2008-2011. One of the solutions in order to reduce problems caused by the conventional banking system is alternative financing systems. In Turkey, the corporations based on profit share system are named participation banks. These banks which settle on different principles in the risk distribution of the portfolio acquired are analyzed more nowadays. Participation based banks are placed in practically every regulation related to banking terms and get their legal infrastructure more steady in the banking legislation of Turkey. This study is a continuation of a series related to the situation of participation banking in Turkey. On the other hand, the literature and the history of participation banking have been given less attention in this study. Literature information on methods in participation banks has been described in previous work of the series. Two analyzes were conducted in this study. One analysis is interpretive analysis that expresses the situation of applications of participation banking against banking risks. The other is an analysis of the figures of participation banks in Turkey as a continuation of the series. This study is a 2007-2015 part of research series. The study tries to explore the place and the importance of participation based banking with the various sub-headings, especially in Turkey. For this reason, we examine the comparative review 2007-2015 data of participation banks which are composed of Total Assets, Equity Net Profit, Collected Funds and Bank Loan Funds. Then we compare the total figures with deposit banks for the same period in Turkey.

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

Science.gov (United States)

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

2018-06-01

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

Distribution of blood groups in blood donors in the blood bank of Jagdalpur, Bastar district, Chhattisgarh

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Sachin A Badge

2017-01-01

Full Text Available Aims and Objectives: The incidence of ABO and rhesus (Rh groups varies markedly in different races, ethnic groups, and socioeconomic groups in different parts of the world. The frequencies of ABO and Rh blood groups vary from one population to another and time to time in the same region. The present study was carried out to find the distribution of blood group in rural and tribal populations of Bastar district of Chhattisgarh. Materials and Methods: The present retrospective study was carried out at late Shri Baliram Kashyap Memorial Government Medical College and Maharani Hospital blood bank, Jagdalpur, Bastar district, Chhattisgarh, India, during the 2-year period from January 2014 to December 2015. The blood collections were taken from the voluntary donors at outdoor blood donation camp and in-house blood bank as well as from replacement donors at blood bank. Totally 12,852 donors were considered medically fit and accepted for blood donation during the study period. Results: Out of the total 12,852 donors, most of the donors, i.e., 3996 (31.09% were with blood Group O followed by B (30.44%, A (24.95%, and AB (13.52%. Out of the 12,852 blood donors, majority, i.e., 12,779 (99.43% were male and 73 (0.57% were female. Maximum blood donors, i.e., 12,777 (99.42% were Rh positive while only 75 (0.58% were Rh negative. Conclusion: The knowledge of distribution of ABO and Rh blood groups at local and regional levels is helpful in effective management of blood banks and safe blood transfusion services.

The new inter process communication middle-ware for the ATLAS Trigger and Data Acquisition system

CERN Document Server

Kolos, Serguei; The ATLAS collaboration

2016-01-01

The ATLAS Trigger & Data Acquisition (TDAQ) project was started almost twenty years ago with the aim of providing scalable distributed data collection system for the experiment. While the software dealing with physics data flow was implemented by directly using the low-level communication protocols, like TCP and UDP, the control and monitoring infrastructure services for the TDAQ system were implemented on top of the CORBA communication middle-ware. CORBA provides a high-level object oriented abstraction for the inter process communication, hiding communication complexity from the developers. This approach speeds up and simplifies development of communication services but incurs some extra cost in terms of performance and resources overhead. Our experience of using CORBA for control and monitoring data exchange in the distributed TDAQ system was very successful, mostly due to the outstanding quality of the CORBA brokers, which have been used in the project: omniORB for C++ and JacORB for Java. However, du...

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

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

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

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

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

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

Role of Foreign Banks in Integration of Banking Industry

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Roman Šubić

2009-12-01

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

European bank for reconstruction and development

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Kastratović Radovan

2015-01-01

Full Text Available European Bank for Reconstruction and Development - EBRD was established in the year 1991 and commenced operations in 1991. The objective of the Bank was to instigate market oriented approach to business in the countries of Central and Eastern Europe. This comprises support offered to structural reforms, privatisation, and development of entrepreneurship and legal system through financing of project conducive to the achievement of the aimed targets. The Bank approves loans both to the nation states and to the private sector. European Bank for Reconstruction and Development often appears in the role of investor. In addition, the Bank has also its consultative function. Owners of the European Bank for Reconstruction and Development are the developed countries and those that participate in the distribution of the Bank's profit. The Bank invests in the countries of Central, Eastern and South-East Europe, but also in those of Central Asia and Southern Mediterranean. The importance that the European Bank for Reconstruction and Development has for our country is best illustrated by the fact that this Bank is our largest institutional investor, with investments exceeding 3.5 billion EUR. This work begins with presentation of general information on the work of the European Bank for Reconstruction and Development, its objectives, activities, background history, ownership and organisational structure. It proceeds by giving relevant data on the Bank's business operations - the manner of project financing, the Bank's funds distribution per geographic criteria and activities, and the operative and financial results of the Bank's business activities. Brief description is also offered of the cooperation that the European Bank has with other international financial institutions. Finally, data is given bearing witness on the importance that the European Bank for Reconstruction and Development has for Serbia.

An Investigation of the Performance of Islamic and Interest Based Banking Evidence from Pakistan

Directory of Open Access Journals (Sweden)

Khan Tauseef

2018-05-01

Full Text Available The main difference between Islamic and conventional banking is that Islamic banking works on profit and loss while conventional banking work is interest based. The aim of this research study is to measure and compare the financial performance of Islamic and conventional banking in Pakistan during 2006 to 2015. This study is to examine and to evaluate the performance of 5 Islamic banks (Meezan Islamic Bank, Bank Islami Limited, Al Baraka Islamic Bank, Dubai Islamic Bank Limited and Burj Bank Limited and 5 conventional banks (Muslim Commercial Bank Limited, United Bank Limited, Askari Bank Limited, Allied Bank Limited, Habib Bank Limited in terms of profitability, liquidity, risk, capital and efficiency. We used quantitative and qualitative data for comparison of Islamic and conventional banks. Collection of data consists on both primary as well as secondary sources. Primary data has been gathered from interviews and Secondary data has been gathered from the balance sheets and income statements of the sampled banks for the period of 2006 to 2015.Financial ratios such as profitability ratios, liquidity ratios, solvency ratios, capital ratios and efficiency ratios are used for measure of the financial performance of both banking sector. The results indicate that Islamic banks are less profitable, more liquid, less risky and less efficient. There is no significant difference in terms of capital between Islamic and conventional banks.

A Behavioural Model of E-Banking Usage in Italy

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Guendalina Capece

2013-06-01

Full Text Available E‐banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. “Pure online” banks are characterized by the absence of physical windows and front‐office personnel. Traditional banks are still integrating traditional distribution channels with online ones; the scenario is therefore still evolving over time. Despite the intrinsic potentialities, Italy is far from being a leader in the usage of innovative online instruments in the banking system and will struggle with new innovation waves. In this paper, we measure the potential effective ebanking usage. Furthermore, we investigate the behaviour of users and adopters, identifying the major causes influencing satisfaction and usage and the impact of these different causes on the intensity of utilization. The analysis is based on a panel of 495 real users, thus allowing the profiling of the Italian adopter to discover the causes of usage and outline strategies for the growth of e‐banking services in Italy.

Georges Bank: a leaky incubator of Alexandrium fundyense blooms.

Science.gov (United States)

McGillicuddy, D J; Townsend, D W; Keafer, B A; Thomas, M A; Anderson, D M

2014-05-01

A series of oceanographic surveys on Georges Bank document variability of populations of the toxic dinoflagellate Alexandrium fundyense on time scales ranging from synoptic to seasonal to interannual. Blooms of A. fundyense on Georges Bank can reach concentrations on the order of 10 4 cells l -1 , and are generally bank-wide in extent. Georges Bank populations of A. fundyense appear to be quasi-independent of those in the adjacent coastal Gulf of Maine, insofar as they occupy a hydrographic niche that is colder and saltier than their coastal counterparts. In contrast to coastal populations that rely on abundant resting cysts for bloom initiation, very few cysts are present in the sediments on Georges Bank. Bloom dynamics must therefore be largely controlled by the balance between growth and mortality processes, which are at present largely unknown for this population. Based on correlations between cell abundance and nutrient distributions, ammonium appears to be an important source of nitrogen for A. fundyense blooms on Georges Bank.

POSITIONING ANALYSIS OF ISLAMIC BANK vis-àvis CONVENTIONAL BANK IN INDONESIA USING PARAMETRIC SFA AND DFA METHODS15

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Ir Ascarya

2014-03-01

Full Text Available This study will measure and compare the efficiency of Conventional and Islamic banks in Indonesia using parametric approach stochastic frontier approach (SFA and distribution free approach (DFA. These measurements will provide comprehensive and robust results of efficiency of individual bank compare to its peer group. The results using parametric SFA show that in 2002, conventional banks (0.79 were slightly more efficient than Islamic banks (0.77, while in 2003, the efficiency of Islamic banks improved to 0.84 and the efficiency of conventional banks worsen to 0.76, so that Islamic banks have become more efficient than conventional banks. Conventional and Islamic banks have been improving and converged to the highest level of efficiency (1.00 since 2004. The DFA results show that conventional banks (0.89 are only slightly more efficient than Islamic banks (0.87. Conventional public bank (0.93 is the most efficient, while Islamic regional bank (0.84 is the least efficient. Moreover, efficient banks (conventional and Islamic do not always have lower OCOI (operating costs divided by operating income, while banks with better OCOI usually are more profitable (have better return on assets or ROA. Therefore, technically, Islamic banks have shown their readiness to compete head to head with their conventional counterparts. However, other aspects, such as, number of networks and branches, service quality, convenience, products and services provided, human resources, and pricing, should have become the next priorities for improvements.JEL Classification : C10, C33, G21, G28Keywords : Islamic Banking, Efficiency, Stochastic Frontier Approach, Distribution Free Approach

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

OpenAIRE

Nurafni

2013-01-01

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

A model of the demand for Islamic banks debt-based financing instrument

Science.gov (United States)

Jusoh, Mansor; Khalid, Norlin

2013-04-01

This paper presents a theoretical analysis of the demand for debt-based financing instruments of the Islamic banks. Debt-based financing, such as through baibithamanajil and al-murabahah, is by far the most prominent of the Islamic bank financing and yet it has been largely ignored in Islamic economics literature. Most studies instead have been focusing on equity-based financing of al-mudharabah and al-musyarakah. Islamic bank offers debt-based financing through various instruments derived under the principle of exchange (ukud al-mu'awadhat) or more specifically, the contract of deferred sale. Under such arrangement, Islamic debt is created when goods are purchased and the payments are deferred. Thus, unlike debt of the conventional bank which is a form of financial loan contract to facilitate demand for liquid assets, this Islamic debt is created in response to the demand to purchase goods by deferred payment. In this paper we set an analytical framework that is based on an infinitely lived representative agent model (ILRA model) to analyze the demand for goods to be purchased by deferred payment. The resulting demand will then be used to derive the demand for Islamic debt. We also investigate theoretically, factors that may have an impact on the demand for Islamic debt.

Java-based cryptosystem for PACS and tele-imaging

Science.gov (United States)

Tjandra, Donny; Wong, Stephen T. C.; Yu, Yuan-Pin

1998-07-01

Traditional PACS systems are based on two-tier client server architectures, and require the use of costly, high-end client workstations for image viewing. Consequently, PACS systems using the two-tier architecture do not scale well as data increases in size and complexity. Furthermore, use of dedicated viewing workstations incurs costs in deployment and maintenance. To address these issues, the use of digital library technologies, such as the World Wide Web, Java, and CORBA, is being explored to distribute PACS data to serve a broader range of healthcare providers in an economic and efficient manner. Integration of PACS systems with digital library technologies allows access to medical information through open networks such as the Internet. However, use of open networks to transmit medical data introduces problems with maintaining privacy and integrity of patient information. Cryptography and digital timestamping is used to protect sensitive information from unauthorized access or tampering. A major concern when using cryptography and digital timestamping is the performance degradation associated with the mathematical calculations needed to encrypt/decrypt an image dataset, or to calculate the hash value of an image. The performance issue is compounded by the extra layer associated with the CORBA middleware, and the use of programming languages interpreted at the client side, such as Java. This paper study the extent to which Java-based cryptography and digital timestamping affects performance in a PACS system integrated with digital library technologies.

Factors affecting the labor efficiency of hospital-based blood bank laboratories.

Science.gov (United States)

Lam, H C; Kominski, G F; Petz, L D; Sofaer, S

1994-09-01

A variety of financing mechanisms and managerial innovations have been developed in the past decade to control hospital costs. Some evidence suggests that those changes have not produced substantial improvements in labor efficiency among employees in the hospital's technical level, such as in the blood bank laboratories. This study measured labor efficiency in 40 hospital-based blood bank laboratories in Southern California during the year from July 1989 to June 1990 and explored the impact of financial, managerial, and operational factors on labor efficiency. With standardized output measures used in all blood bank laboratories, a wide variation of labor efficiency was found. Multivariate analyses indicate that the labor efficiency of blood bank employees was not influenced by organizational financial incentives, but was affected by the managerial styles of blood bank managers. Interpretation of the findings suggests that labor efficiency is affected by operational designs intended to improve responses to variable workloads and reduce slack time.

A Secure Mobile-Based Authentication System for e-Banking

Science.gov (United States)

Rifà-Pous, Helena

Financial information is extremely sensitive. Hence, electronic banking must provide a robust system to authenticate its customers and let them access their data remotely. On the other hand, such system must be usable, affordable, and portable. We propose a challenge-response based one-time password (OTP) scheme that uses symmetric cryptography in combination with a hardware security module. The proposed protocol safeguards passwords from keyloggers and phishing attacks. Besides, this solution provides convenient mobility for users who want to bank online anytime and anywhere, not just from their own trusted computers.

Ranking of bank branches with undesirable and fuzzy data: A DEA-based approach

Directory of Open Access Journals (Sweden)

Sohrab Kordrostami

2016-07-01

Full Text Available Banks are one of the most important financial sectors in order to the economic development of each country. Certainly, efficiency scores and ranks of banks are significant and effective aspects towards future planning. Sometimes the performance of banks must be measured in the presence of undesirable and vague factors. For these reasons in the current paper a procedure based on data envelopment analysis (DEA is introduced for evaluating the efficiency and complete ranking of decision making units (DMUs where undesirable and fuzzy measures exist. To illustrate, in the presence of undesirable and fuzzy measures, DMUs are evaluated by using a fuzzy expected value approach and DMUs with similar efficiency scores are ranked by using constraints and the Maximal Balance Index based on the optimal shadow prices. Afterwards, the efficiency scores of 25 branches of an Iranian commercial bank are evaluated using the proposed method. Also, a complete ranking of bank branches is presented to discriminate branches.

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

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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.

GenBank

OpenAIRE

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

2006-01-01

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

Elaborate analysis and design of filter-bank-based sensing for wideband cognitive radios

Science.gov (United States)

Maliatsos, Konstantinos; Adamis, Athanasios; Kanatas, Athanasios G.

2014-12-01

The successful operation of a cognitive radio system strongly depends on its ability to sense the radio environment. With the use of spectrum sensing algorithms, the cognitive radio is required to detect co-existing licensed primary transmissions and to protect them from interference. This paper focuses on filter-bank-based sensing and provides a solid theoretical background for the design of these detectors. Optimum detectors based on the Neyman-Pearson theorem are developed for uniform discrete Fourier transform (DFT) and modified DFT filter banks with root-Nyquist filters. The proposed sensing framework does not require frequency alignment between the filter bank of the sensor and the primary signal. Each wideband primary channel is spanned and monitored by several sensor subchannels that analyse it in narrowband signals. Filter-bank-based sensing is proved to be robust and efficient under coloured noise. Moreover, the performance of the weighted energy detector as a sensing technique is evaluated. Finally, based on the Locally Most Powerful and the Generalized Likelihood Ratio test, real-world sensing algorithms that do not require a priori knowledge are proposed and tested.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

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Dumitru-Cristian OANEA

2014-04-01

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

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

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Anamika Singh

2016-06-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

Theoretical evaluation of electromagnetic emissions from GSM900 mobile telephony base stations in the West Bank and Gaza Strip-Palestine

International Nuclear Information System (INIS)

Lahham, Adnan; Abu Alkbash, Jehad; ALMasri, Hussien

2017-01-01

Theoretical assessments of power density in far-field conditions were used to evaluate the levels of environmental electromagnetic frequencies from selected GSM900 macrocell base stations in the West Bank and Gaza Strip. Assessments were based on calculating the power densities using commercially available software (RF-Map from Telstra Research Laboratories-Australia). Calculations were carried out for single base stations with multi-antenna systems and also for multiple base stations with multi-antenna systems at 1.7 m above the ground level. More than 100 power density levels were calculated at different locations around the investigated base stations. These locations include areas accessible to the general public (schools, parks, residential areas, streets and areas around kindergartens). The maximum calculated electromagnetic emission level resulted from a single site was 0.413 μW cm -2 and found at Hizma town near Jerusalem. Average maximum power density from all single sites was 0.16 μW cm -2 . The results of all calculated power density levels in 100 locations distributed over the West Bank and Gaza were nearly normally distributed with a peak value of ∼0.01% of the International Commission on Non-Ionizing Radiation Protection's limit recommended for general public. Comparison between calculated and experimentally measured value of maximum power density from a base station showed that calculations overestimate the actual measured power density by ∼27%. (authors)

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

NARCIS (Netherlands)

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

2010-01-01

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

Currency management system: a distributed banking service for the grid

OpenAIRE

León Gutiérrez, Xavier; Navarro Moldes, Leandro

2007-01-01

Market based resource allocation mechanisms require mechanisms to regulate and manage the usage of traded resources. One mechanism to control this is the definition of some kind of currency. Within this context, we have implemented a first prototype of our Currency Management System, which stands for a decentralized and scalable banking service for the Grid. Basically, our system stores user accounts within a DHT and its basic operation is the transferFunds which, as its name suggests, transf...

Investigating role stress in frontline bank employees: A cluster based approach

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Arti Devi

2013-09-01

Full Text Available An effective role stress management programme would benefit from a segmentation of employees based on their experience of role stressors. This study explores role stressor based segments of frontline bank employees towards providing a framework for designing such a programme. Cluster analysis on a random sample of 501 frontline employees of commercial banks in Jammu and Kashmir (India revealed three distinct segments – “overloaded employees”, “unclear employees”, and “underutilised employees”, based on their experience of role stressors. The findings suggest a customised approach to role stress management, with the role stress management programme designed to address cluster specific needs.

A network identity authentication protocol of bank account system based on fingerprint identification and mixed encryption

Science.gov (United States)

Zhu, Lijuan; Liu, Jingao

2013-07-01

This paper describes a network identity authentication protocol of bank account system based on fingerprint identification and mixed encryption. This protocol can provide every bank user a safe and effective way to manage his own bank account, and also can effectively prevent the hacker attacks and bank clerk crime, so that it is absolute to guarantee the legitimate rights and interests of bank users.

Distributed computing for FTU data handling

Energy Technology Data Exchange (ETDEWEB)

Bertocchi, A. E-mail: bertocchi@frascati.enea.it; Bracco, G.; Buceti, G.; Centioli, C.; Giovannozzi, E.; Iannone, F.; Panella, M.; Vitale, V

2002-06-01

The growth of data warehouse in tokamak experiment is leading fusion laboratories to provide new IT solutions in data handling. In the last three years, the Frascati Tokamak Upgrade (FTU) experimental database was migrated from IBM-mainframe to Unix distributed computing environment. The migration efforts have taken into account the following items: (1) a new data storage solution based on storage area network over fibre channel; (2) andrew file system (AFS) for wide area network file sharing; (3) 'one measure/one file' philosophy replacing 'one shot/one file' to provide a faster read/write data access; (4) more powerful services, such as AFS, CORBA and MDSplus to allow users to access FTU database from different clients, regardless their O.S.; (5) large availability of data analysis tools, from the locally developed utility SHOW to the multi-platform Matlab, interactive data language and jScope (all these tools are now able to access also the Joint European Torus data, in the framework of the remote data access activity); (6) a batch-computing cluster of Alpha/CompaqTru64 CPU based on CODINE/GRD to optimize utilization of software and hardware resources.

Competition in investment banking

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Katrina Ellis

2011-01-01

Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.

Banking on the Internet.

Science.gov (United States)

Internet Research, 1996

1996-01-01

Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

Penyelesaian Kredit Macet Bank Melalui Parate Eksekusi

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Chadijah Rizki Lestari

2017-04-01

ABSTRACT: One type of collateral that can be given to the bank's borrowers is ground. This is important so that the distribution and loan repayments can run smoothly as expected. However, bad credit cannot always be avoided. One of the steps that can be taken by the executing bank is the object of the collateral is land through mortgage. One way of execution of the mortgage is based on the provisions of Article 6 of Law Number 4, 1996 on Mortgage of Land Along Objects Relating to Land (UUHT. This paper will examine how the process of the execution of the mortgage under the provisions of Article 6 UUHT. This is normative juridical approach that is both explanatory and will be analyzed by qualitative approach. The results showed that the execution Encumbrance pursuant to Article 6 UUHT must be agreed in advance between the bank and the debtor. Appointments are set forth in the Deed Granting Bond Over Land Rights (APHT. It has been agreed then the bank may apply for execution to KPKNL Mortgage.

Prospects of implementation of "Basel III" international standards for domestic banks based on international experience

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Baha Oksana

2016-04-01

Full Text Available This article summarizes the main requirements of the "Basel III" new standards in the context of banks capital regulation and identifies prospects for implementation of domestic banks based on analysis of international experience. The urgency of the problem is formulated in the need to restore the stability of the banking system of Ukraine with the new standards, which purpose is to increase the stability of banks and to protect the rights of financial services consumers. The main threats faced by the banking systems of developed countries and possible for the Ukrainian financial system were determined. The ways of achieving maximum benefits of new banking reform introduction were proposed.

GenBank

OpenAIRE

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

2012-01-01

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

Online Banking on E-Commerce in India

OpenAIRE

Navpreet Kaur; Dr. Ashutosh Pathak

2015-01-01

Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relations...

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

CERN Document Server

Rahulkar, Amol D

2014-01-01

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

BANK SAMPAH SEBAGAI ALTERNATIF STRATEGI PENGELOLAAN SAMPAH BERBASIS MASYARAKAT DI TASIKMALAYA (Bank Sampah (Waste Banks as an Alternative of Community-Based Waste Management Strategy in Tasikmalaya

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Donna Asteria

2016-02-01

management from the source. Bank sampah (the waste bank with participation of women in community are the social capital of community-based waste management. Bank sampah integrated with 4R principles implemented in at Kampung Karangresik, Tasikmalaya, Indonesia. Activity of bank sampah is the concept of dry waste collection and sorting as well as having appropriate management of banking, not the money saved, but trash. Empowerment of citizens through counseling, education, training with the method of participation-emancipatory (interaction and communication, as well as dialogue with the citizens in the community. Besides of that, the necessary of partnerships, networking and institutional cooperation mechanism between the citizens of the waste bank managers with local stakeholders. Bank Sampah Pucuk Resik (BSPR in Kampung Karangresik provides benefits to citizens, especially the direct benefits with reduced waste generation in the community, the environment becomes more clean and beautiful, as well as the economic independence of citizens. In addition to economic benefits from saving litter, citizens earned money to pay for electricity and buy groceries, as well as the realization of environmental health with the condition of environment that is more clean, green, comfortable, and healthy. Integrated waste management can stimulate creativity and innovation so as to improve the welfare of the community.

Theoretical Evaluation of Electromagnetic Emissions from GSM900 Mobile Telephony Base Stations in the West Bank and Gaza Strip-Palestine.

Science.gov (United States)

Lahham, Adnan; Alkbash, Jehad Abu; ALMasri, Hussien

2017-04-20

Theoretical assessments of power density in far-field conditions were used to evaluate the levels of environmental electromagnetic frequencies from selected GSM900 macrocell base stations in the West Bank and Gaza Strip. Assessments were based on calculating the power densities using commercially available software (RF-Map from Telstra Research Laboratories-Australia). Calculations were carried out for single base stations with multiantenna systems and also for multiple base stations with multiantenna systems at 1.7 m above the ground level. More than 100 power density levels were calculated at different locations around the investigated base stations. These locations include areas accessible to the general public (schools, parks, residential areas, streets and areas around kindergartens). The maximum calculated electromagnetic emission level resulted from a single site was 0.413 μW cm-2 and found at Hizma town near Jerusalem. Average maximum power density from all single sites was 0.16 μW cm-2. The results of all calculated power density levels in 100 locations distributed over the West Bank and Gaza were nearly normally distributed with a peak value of ~0.01% of the International Commission on Non-Ionizing Radiation Protection's limit recommended for general public. Comparison between calculated and experimentally measured value of maximum power density from a base station showed that calculations overestimate the actual measured power density by ~27%. © The Author 2016. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

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

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Florin Alexandru LUCA

2016-06-01

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

GenBank

OpenAIRE

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

2008-01-01

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

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

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Sundas Rauf

2013-12-01

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

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

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Rudy Haryanto Rudy Haryanto

2012-07-01

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

Shareholding relationships in the Euro Area banking market: A network perspective

Science.gov (United States)

Pecora, Nicolò; Spelta, Alessandro

2015-09-01

In this paper we analyze the topological properties of the network of the Euro Area banking market network, with the primary aim of assessing the importance of a bank in the financial system with respect to ownership and control of other credit institutions. The network displays power law distributions in both binary and weighted degree metrics indicating a robust yet fragile structure and a direct link between an increase of control diversification and a rise in the market power. Therefore while in good time the network is seemingly robust, in bad times many banks can simultaneously go into distress. This behavior paves the way for Central bank's actions. In particular we investigate whether the Single Supervisory Mechanism introduced by the European Central Banks and based on banks' total asset is a good proxy to quantify their systemic importance. Results indicate that not all the financial institutions with high valued total assets are systemically important but only few of them. Moreover the network structure reveals that control is highly concentrated, with few important shareholders approximately controlling a separate subset of banks.

USERS EVALUATIONS ABOUT E-SERVICE QUALITY OF INTERNET BANKING: KUVEYT TURK SAMPLE

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Ali Ulvi İşler

2015-10-01

Full Text Available After rising the proportion of services sector in the economies of the countries, the need for quality measurement studies in services increased. Because internet banking, that began in 90’s, has a lot of advantages for banks and customers, it developed rapidly and a lot of banking services could be done in this new distribution channel. So, it is a requirement to measure of service qualities for internet banking distribution channel. In this study, it was tried to understand users thoughts about service quality in internet banking area. Practice study was done in internet banking users of Kuveyt Turk Participation Bank. Study results show that how the electronic banking services are perceived by users and what users expect from internet banking services.

Application of GIS-based SCS-CN method in West Bank catchments, Palestine

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Sameer Shadeed

2010-03-01

Full Text Available Among the most basic challenges of hydrology are the prediction and quantification of catchment surface runoff. The runoff curve number (CN is a key factor in determining runoff in the SCS (Soil Conservation Service based hydrologic modeling method. The traditional SCS-CN method for calculating the composite curve number is very tedious and consumes a major portion of the hydrologic modeling time. Therefore, geographic information systems (GIS are now being used in combination with the SCS-CN method. This paper assesses the modeling of flow in West Bank catchments using the GIS-based SCS-CN method. The West Bank, Palestine, is characterized as an arid to semi-arid region with annual rainfall depths ranging between 100 mm in the vicinity of the Jordan River to 700 mm in the mountains extending across the central parts of the region. The estimated composite curve number for the entire West Bank is about 50 assuming dry conditions. This paper clearly demonstrates that the integration of GIS with the SCS-CN method provides a powerful tool for estimating runoff volumes in West Bank catchments, representing arid to semi-arid catchments of Palestine.

Ecological Niche Modelling of Bank Voles in Western Europe

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Sara Amirpour Haredasht

2013-01-01

Full Text Available The bank vole (Myodes glareolus is the natural host of Puumala virus (PUUV in vast areas of Europe. PUUV is one of the hantaviruses which are transmitted to humans by infected rodents. PUUV causes a general mild form of hemorrhagic fever with renal syndrome (HFRS called nephropathia epidemica (NE. Vector-borne and zoonotic diseases generally display clear spatial patterns due to different space-dependent factors. Land cover influences disease transmission by controlling both the spatial distribution of vectors or hosts, as well as by facilitating the human contact with them. In this study the use of ecological niche modelling (ENM for predicting the geographical distribution of bank vole population on the basis of spatial climate information is tested. The Genetic Algorithm for Rule-set Prediction (GARP is used to model the ecological niche of bank voles in Western Europe. The meteorological data, land cover types and geo-referenced points representing the locations of the bank voles (latitude/longitude in the study area are used as the primary model input value. The predictive accuracy of the bank vole ecologic niche model was significant (training accuracy of 86%. The output of the GARP models based on the 50% subsets of points used for testing the model showed an accuracy of 75%. Compared with random models, the probability of such high predictivity was low (χ2 tests, p < 10−6. As such, the GARP models were predictive and the used ecologic niche model indeed indicates the ecologic requirements of bank voles. This approach successfully identified the areas of infection risk across the study area. The result suggests that the niche modelling approach can be implemented in a next step towards the development of new tools for monitoring the bank vole’s population.

Ecological niche modelling of bank voles in Western Europe.

Science.gov (United States)

Amirpour Haredasht, Sara; Barrios, Miguel; Farifteh, Jamshid; Maes, Piet; Clement, Jan; Verstraeten, Willem W; Tersago, Katrien; Van Ranst, Marc; Coppin, Pol; Berckmans, Daniel; Aerts, Jean-Marie

2013-01-28

The bank vole (Myodes glareolus) is the natural host of Puumala virus (PUUV) in vast areas of Europe. PUUV is one of the hantaviruses which are transmitted to humans by infected rodents. PUUV causes a general mild form of hemorrhagic fever with renal syndrome (HFRS) called nephropathia epidemica (NE). Vector-borne and zoonotic diseases generally display clear spatial patterns due to different space-dependent factors. Land cover influences disease transmission by controlling both the spatial distribution of vectors or hosts, as well as by facilitating the human contact with them. In this study the use of ecological niche modelling (ENM) for predicting the geographical distribution of bank vole population on the basis of spatial climate information is tested. The Genetic Algorithm for Rule-set Prediction (GARP) is used to model the ecological niche of bank voles in Western Europe. The meteorological data, land cover types and geo-referenced points representing the locations of the bank voles (latitude/longitude) in the study area are used as the primary model input value. The predictive accuracy of the bank vole ecologic niche model was significant (training accuracy of 86%). The output of the GARP models based on the 50% subsets of points used for testing the model showed an accuracy of 75%. Compared with random models, the probability of such high predictivity was low (χ(2) tests, p < 10(-6)). As such, the GARP models were predictive and the used ecologic niche model indeed indicates the ecologic requirements of bank voles. This approach successfully identified the areas of infection risk across the study area. The result suggests that the niche modelling approach can be implemented in a next step towards the development of new tools for monitoring the bank vole's population.

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

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Ir Ascarya

2008-08-01

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

New possibilities for slope stability assessment of spoil banks

Energy Technology Data Exchange (ETDEWEB)

Radl, A [Palivovy Kombinat, Vresova (Czechoslovakia)

1991-03-01

Discusses problems associated with slope stability of spoil banks consisting of sedimentary rocks from brown coal surface mining. Effects of rock physical properties on slope stability are analyzed: grain size distribution, compression strength, moisture content, angle of internal friction, etc. Mechanism of plastic slope deformation which occurs during a landslide is evaluated. Formulae for calculating slope stability considering stress distribution in a spoil bank (including all the main factors that influence stresses) are derived. Practical use of the gamma-gamma logging and logging schemes used in geodetic surveys of unstable spoil banks in Czechoslovakia (the Vintirov spoil bank in the Sokolov brown coal district) are discussed. 5 refs.

SYNERGY OF INFORMATION COMMUNICATION TECHNOLOGIES AND THE BANKING SYSTEM IN THE FUNCTIONING OF SUCCESSFUL BANKING OPERATIONS

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Dario Kovačević

2017-01-01

Full Text Available Nowadays, modern banking cannot function without information and communications technology; hence banks heavily invest in the implementation of technology currently present on the market. Every aspect of the banking business includes information and communications technology, which points to the necessity of building an infrastructure for modern banking. Investing in development and implementation of new technologies simplifies everyday business activities and security, in addition to creating a competitive edge over rival businesses. It ensures fast and efficient customer service delivery by providing support to the distribution channels, as well as supporting bankers with making crucial decisions. The aim of this paper is to analyse trends in the use of information and communications technologies in the banking system, using publicly available business data, documentation and online bank information, as well as previously published findings of other researchers. Using the example of one of the largest banks in the Republic of Croatia, the possibilities provided by information and communications technology in the banking business sector are illustrated. Additionally, better economic efficiency and effectiveness, as well as the means of contemporary bank functioning are presented. Special attention is devoted to the security of ICT systems used in Internet Banking and the protection of banking service users’ data.

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

A study on efficiency of e-banking outsourcing in Iran

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Abdorreza Sharifihosseini

2013-06-01

Full Text Available This paper evaluates the outsourcing procedures' conformity of E-banking services in some Iranian private banks according to the OMBOK structure. The insight on the outsourcing as a supportive source for the strategies of an organization is increasing and outsourcing is not being looked at as an element for reducing the organization's costs anymore. Therefore, there is an increasing trend in banking sector towards employing the outsourcing, as an effective response to the environment and attracting customers. This paper attempt to find out how outsourcing procedures of e-baking services in private banks is corresponded with the framework of this standard. The study considers five primary dimensions consisting of infrastructure, operation management, business, customer relations and technology among private banks across the country based on OMBOK model. The study selects 90 experts out of 100 people in the field of E-banking as sample study and distributes some questionnaires among them and the questionnaire is analyzed using Kruskal-Wallis test. According to the achieved results, out of the five domains of OMBOK structure including infrastructure, business, technology, customer relations and operation management, the outsourcing procedures of the e-banking services in Iran's private banks does not correspond in two domains of infrastructure and business, but corresponded in other domains.

INTERNET BANKING ACCEPTANCE IN MALAYSIA BASED ON THE THEORY OF REASONED ACTION

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J Michael Pearson

2008-09-01

Full Text Available ABSTRACT The theory of reasoned action originally introduced in the field of Social Psychology has been widely used to explain individuals’ behaviour. The theory postulates that individuals’ behaviour is influenced by their attitude and subjective norm. The purpose of this study was to determine factors that influence an individual’s intention to use a technology based on the theory of reasoned action. We used Internet banking as the target technology and Malaysian subjects as the sampling frame. A principal component analysis was used to validate the constructs and multiple regressions were used to analyze the data. As expected, the results supported the theory’s proposition as that an individuals’ behavioural intention to use Internet banking is influenced by their attitude and subjective norm. Based on the findings, theoretical and practical implications were offered. Keywords: theory of reasoned action, Internet banking, technology acceptance

Plant distribution patterns related to species characteristics and spatial and temporal habitat heterogeneity in a network of ditch banks

NARCIS (Netherlands)

Geertsema, W.; Sprangers, J.T.C.M.

2002-01-01

In this study we investigated the relationship between the distribution patterns of a number of herbaceous plant species and the isolation and age of habitat patches. The study was conducted for a network of ditch banks in an agricultural landscape in The Netherlands. Thirteen plant species were

US of tissue banking and transplantation in North America

International Nuclear Information System (INIS)

Strong, M.; Moogk, M.

1999-01-01

Tissue banking in North America began as surgical bone banking in individual hospitals and progressed to recovery of cadaveric tissues, initially by the United States Navy Tissue Bank and more recently to regional tissue banks throughout North America. The American Association of Tissue Banks was established in 1976 to develop standards for tissue banking and the eventual inspection and accreditation of tissue banks. The gathering of statistics of tissue banking practices was first undertaken in 1992, from accredited tissue banks. The most recent statistics were compiled in 1997 and will be reported at this conference.There are currently 63 accredited tissue banks in North America, 60 in the United States and three in Canada. Overall, tissue donation has increased by 48% during this 5 year reporting time. During the same period, the number of living surgical bone donors has decreased from nearly 3,000 to less than 500. This impact is largely due to the new regulations that have been implemented by the Food and Drug Administration (FDA). There were over 340,000 bone grafts distributed in 1996, an increase of 20% over 1992, 33% were not sterilized, 21% were sterilized using irradiation, and 45% were demineralized. Only 1% were processed using ethylene oxide as a sterilant, a decrease from 15% in 1992. The primary mode of preservation and storage is freeze-drying with 90% of the tissues falling into this category and the rest being frozen. The second largest number of grafts distributed were skin grafts. Total tissue grafts distributed including cornea was 445,417. In January 1998, the FDA Final Rule regarding regulation of tissue banking became effective. The elements of that Final Rule and new tissue banking rules the FDA has proposed will be discussed along with regulations recently published by the Health and Human Services Department relative to organ and tissue donor referrals. Tissue Banking in North America continues to evolve and has become more and more

Islamic Banking in Global Economic Context (Critical Studies of Operational System and Performance of Islamic Banking

Directory of Open Access Journals (Sweden)

Jamal Abdul Aziz

2018-01-01

Full Text Available Berdasarkan kajian terhadap sejarah kemunculan dan sistem operasional Bank Islam beserta kinerjanya, penulis menyimpulkan bahwa konsep bank Islam pada hakekatnya merupakan bentuk islamisasi terhadap institusi perbankan. Hanya saja proses islamisasi yang terjadi baru sebatas pada aspek-aspek yang bersifat marginal, artifisial, dan formal-institusional, seperti penggantian istilah-istilah teknis dalam dunia perbankan dengan istilah yang berasal dari fikih muamalah, penghapusan bunga, dan penolakan terhadap praktek-praktek bisnis yang haram. Selebihnya, bank Islam tidak berbeda dengan bank konvensional. Dampak dari islamisasi yang kurang substansial-komprehensif tersebut adalah timbulnya kesan bahwa bank Islam justru ‘terbelenggu’ oleh konsep-konsep fikih klasik yang mendasarinya, di mana ia cenderung kontra produktif dengan tren  bisnis moderen yang senantiasa menuntut efisiensi dan fleksibilitas. Agar tetap dapat survive di masa-masa mendatang, bank Islam perlu mengevaluasi diri secara terus menerus dengan selalu membuka diri terhadap berbagai kritikan yang dialamatkan kepadanya. Konsepsi yang terlalu berorientasi kepada doktrin harus diimbangi dengan kesadaran akan fakta-fakta dan tuntutan bisnis moderen, baik yang berskala lokal maupun global. Sementara itu cita-cita Islam yang ideal, seperti pemberantasan kemiskinan, pendistribusian kekayaan secara adil, dan penciptaan lapangan kerja, harus tetap menjadi orientasi utamanya. Kata Kunci:Riba, Profit and Loss Sharing, Mudlârabah, Murâbahah, Artificial Aspects of Islam  Abstract:Based on the study of the history of emergence and operation of Islamic Bank and its system performance, the author conclude that the concept of Islamic bank is essentially a form of Islamization of the banking institutions. Such Islamization are limited to the marginal, artificial, and formal-institutional aspects, such as the replacement of technical terms in the banking world with a term derived from the fiqh

Using Mobile Agents to Implement Workflow System

Institute of Scientific and Technical Information of China (English)

LI Jie; LIU Xian-xing; GUO Zheng-wei

2004-01-01

Current workflow management systems usually adopt the existing technologies such as TCP/IP-based Web technologies and CORBA as well to fulfill the bottom communications.Very often it has been considered only from a theoretical point of view, mainly for the lack of concrete possibilities to execute with elasticity.MAT (Mobile Agent Technology) represents a very attractive approach to the distributed control of computer networks and a valid alternative to the implementation of strategies for workflow system.This paper mainly focuses on improving the performance of workflow system by using MAT.Firstly, the performances of workflow systems based on both CORBA and mobile agent are summarized and analyzed; Secondly, the performance contrast is presented by introducing the mathematic model of each kind of data interaction process respectively.Last, a mobile agent-based workflow system named MAWMS is presented and described in detail.

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...

Coordinated Volt/Var Control in Distribution Systems with Distributed Generations Based on Joint Active and Reactive Powers Dispatch

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Abouzar Samimi

2016-01-01

Full Text Available One of the most significant control schemes in optimal operation of distribution networks is Volt/Var control (VVC. Owing to the radial structure of distribution systems and distribution lines with a small X/R ratio, the active power scheduling affects the VVC issue. A Distribution System Operator (DSO procures its active and reactive power requirements from Distributed Generations (DGs along with the wholesale electricity market. This paper proposes a new operational scheduling method based on a joint day-ahead active/reactive power market at the distribution level. To this end, based on the capability curve, a generic reactive power cost model for DGs is developed. The joint active/reactive power dispatch model presented in this paper motivates DGs to actively participate not only in the energy markets, but also in the VVC scheme through a competitive market. The proposed method which will be performed in an offline manner aims to optimally determine (i the scheduled active and reactive power values of generation units; (ii reactive power values of switched capacitor banks; and (iii tap positions of transformers for the next day. The joint active/reactive power dispatch model for daily VVC is modeled in GAMS and solved with the DICOPT solver. Finally, the plausibility of the proposed scheduling framework is examined on a typical 22-bus distribution test network over a 24-h period.

Investigating personal characteristics on e-banking adoption

Directory of Open Access Journals (Sweden)

Ali Arfaeian

2013-12-01

Full Text Available During the past few years, there have been increasing interests on doing banking transactions using online services through internet. In this paper, we present an empirical investigation to study the role of personal and social characteristics on acceptance of e-banking adoption. The proposed study designs two questionnaires and distributes them among 384 randomly selected people who use online banking in province of Alborz, Iran. The proposed study examines the effects of five factors including Neuroticism, Extraversion, Openness to experience, Conscientiousness and Agreeableness on e-banking adoption. Using regression techniques, the study has confirmed that Neuroticism and Agreeableness have negative and meaningful impact on e-banking adoption while Conscientiousness has positive and meaningful relationship with e-banking adoption.

Marketing channels of banking products and services in contemporary business environment

OpenAIRE

Rakita Aleksandra

2016-01-01

Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion). The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the mos...

Bank Syariah Sebagai Alternatif

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Adang Sudjana

2003-03-01

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

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

Directory of Open Access Journals (Sweden)

Sarwar Uddin Ahmed

2014-11-01

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

Asymmetric information and bank runs

OpenAIRE

Gu, Chao

2007-01-01

It is known that sunspots can trigger panic-based bank runs and that the optimal banking contract can tolerate panic-based runs. The existing literature assumes that these sunspots are based on a publicly observed extrinsic randomizing device. In this paper, I extend the analysis of panic-based runs to include an asymmetric-information, extrinsic randomizing device. Depositors observe different, but correlated, signals on the stability of the bank. I find that if the signals that depositors o...

Marketing Aspect of Banking Competition

Directory of Open Access Journals (Sweden)

Nieizviestna Olena V.

2015-03-01

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

Value at risk, bank equity and credit risk

OpenAIRE

Broll, Udo; Wahl, Jack E.

2003-01-01

We study the implications of the value at risk concept for the bank's optimum amount of equity capital under credit risk. The market value of loans is risky and lognormally distributed. We show that the required equity capital depends upon managerial and market factors. Furthermore, the bank's equity and asset/liability management has to be addressed simultaneously by bank managers.

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

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

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

BANKING WITHOUT INTEREST

Directory of Open Access Journals (Sweden)

Jana Ilieva

2017-06-01

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

DEVELOPMENT OF ISLAMIC BANKING IN TURKEY

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ISTVÁN EGRESI

2015-12-01

Full Text Available While the financial world is still dominated by conventional banks, based on western economic principles, the number of Islamic banks is on the rise. Islamic banks have originated from colonial India as a response of the Muslims to the British who attempted to westernize their society. Other similar financial operations based on Islamic Law (Shari’a were established in Pakistan, Malaysia and Egypt to facilitate access of rural poor to interest-free loans. However, being unprofitable, these operations did not survive for very long. Islamic banks, unlike conventional banks, are not based on interest and conduct their business in accordance with a wide array of ethical and moral issues. The modern phase of Islamic banking started in the 1970s when the Islamic Development Bank was founded in Saudi Arabia. Soon after, a number of commercial banks were established in the neighboring countries. From this core, over the last four decades, Islamic finance and banking has spread across the entire Muslim world and beyond to become a global phenomenon. This study examines the development of Islamic banking in Turkey in the wider context of global expansion. Turkey is an interesting case study because, although its population is nearly 100% Muslim, it is a secular state built on the model of Western European countries. However, lately, the moderate Islamic party in power since 2002 has shown some signs of openness towards a parallel banking system based on Islamic principles.

A study on the effect of advertisements on customers' willingness to accept banking services based on modulatory role of brand: A case study of Bank Parsian

Directory of Open Access Journals (Sweden)

Ali Jahan

2013-05-01

Full Text Available During the past few years, there have been growing competition in banking industry in Iran and there is a growing trend on emerge of new banks, which makes it difficult for existing banks to keep market share. In this paper, we study the effect of advertisements on customers’ willingness to accept banking services based on modulatory role of brand. The proposed study has been performed among 440 randomly selected customers in city of Tehran, Iran who were doing banking business with one of Iranian banks called Parsian. The results of survey have been analyzed using structural equation modeling and the preliminary results indicate that there was a positive and meaningful relationship between brand advertisement and associate name and brand identification. However, there was no meaningful relationship between brand advertisement and customer loyalty towards to brand. In addition, the results of survey indicate there was a meaningful relationship between brand equity components including perception quality on brand name, customer awareness from brand, loyalty to brand and customers’ willingness to accept banking services on modulatory role of brand.

How Required Reserve Ratio Affects Distribution and Velocity of Money

OpenAIRE

Xi, Ning; Ding, Ning; Wang, Yougui

2005-01-01

In this paper the dependence of wealth distribution and the velocity of money on the required reserve ratio is examined based on a random transfer model of money and computer simulations. A fractional reserve banking system is introduced to the model where money creation can be achieved by bank loans and the monetary aggregate is determined by the monetary base and the required reserve ratio. It is shown that monetary wealth follows asymmetric Laplace distribution and latency time of money fo...

Model-based prediction of nephropathia epidemica outbreaks based on climatological and vegetation data and bank vole population dynamics.

Science.gov (United States)

Haredasht, S Amirpour; Taylor, C J; Maes, P; Verstraeten, W W; Clement, J; Barrios, M; Lagrou, K; Van Ranst, M; Coppin, P; Berckmans, D; Aerts, J-M

2013-11-01

Wildlife-originated zoonotic diseases in general are a major contributor to emerging infectious diseases. Hantaviruses more specifically cause thousands of human disease cases annually worldwide, while understanding and predicting human hantavirus epidemics pose numerous unsolved challenges. Nephropathia epidemica (NE) is a human infection caused by Puumala virus, which is naturally carried and shed by bank voles (Myodes glareolus). The objective of this study was to develop a method that allows model-based predicting 3 months ahead of the occurrence of NE epidemics. Two data sets were utilized to develop and test the models. These data sets were concerned with NE cases in Finland and Belgium. In this study, we selected the most relevant inputs from all the available data for use in a dynamic linear regression (DLR) model. The number of NE cases in Finland were modelled using data from 1996 to 2008. The NE cases were predicted based on the time series data of average monthly air temperature (°C) and bank voles' trapping index using a DLR model. The bank voles' trapping index data were interpolated using a related dynamic harmonic regression model (DHR). Here, the DLR and DHR models used time-varying parameters. Both the DHR and DLR models were based on a unified state-space estimation framework. For the Belgium case, no time series of the bank voles' population dynamics were available. Several studies, however, have suggested that the population of bank voles is related to the variation in seed production of beech and oak trees in Northern Europe. Therefore, the NE occurrence pattern in Belgium was predicted based on a DLR model by using remotely sensed phenology parameters of broad-leaved forests, together with the oak and beech seed categories and average monthly air temperature (°C) using data from 2001 to 2009. Our results suggest that even without any knowledge about hantavirus dynamics in the host population, the time variation in NE outbreaks in Finland

Banking cord blood stem cells: attitude and knowledge of pregnant women in five European countries.

Science.gov (United States)

Katz, Gregory; Mills, Antonia; Garcia, Joan; Hooper, Karen; McGuckin, Colin; Platz, Alexander; Rebulla, Paolo; Salvaterra, Elena; Schmidt, Alexander H; Torrabadella, Marta

2011-03-01

This study explores pregnant women's awareness of cord blood stem cells and their attitude regarding banking options in France, Germany, Italy, Spain, and the UK. Questionnaires were distributed in six maternities. This anonymous and self-completed questionnaire included 29 multiple-choice questions based on: 1) sociodemographic factors, 2) awareness and access to information about cord blood banking, 3) banking option preferences, and 4) donating cord blood units (CBUs) to research. A total of 79% of pregnant women had little awareness of cord blood banking (n = 1620). A total of 58% of women had heard of the therapeutic benefits of cord blood, of which 21% received information from midwives and obstetricians. A total of 89% of respondents would opt to store CBUs. Among them, 76% would choose to donate CBUs to a public bank to benefit any patient in need of a cord blood transplant. Twelve percent would choose a mixed bank, and 12%, a private bank. A total of 92% would donate their child's CBU to research when it is not suitable for transplantation. The study reveals a strong preference for public banking in all five countries, based on converging values such as solidarity. Attitudes of pregnant women are not an obstacle to the rapid expansion of allogeneic banking in these EU countries. Banking choices do not appear to be correlated with household income. The extent of commercial marketing of cord blood banks in mass media highlights the importance for obstetric providers to play a central role in raising women's awareness early during their pregnancy with evidence-based medical information about banking options. © 2010 American Association of Blood Banks.

Fair premium rate of the deposit insurance system based on banks' creditworthiness

OpenAIRE

Yoshino, Naoyuki; Taghizadeh-Hesary, Farhad; Nili, Farhad

2017-01-01

Purpose: Deposit insurance is a key element in modern banking, as it guarantees the financial safety of deposits at depository financial institutions. It is necessary to have at least a dual fair premium rate system based on the creditworthiness of financial institutions, as considering a singular premium system for all banks will have a moral hazard. In this paper, we develop a theoretical as well as an empirical model for calculating dual fair premium rates. Design/methodology/approach: Our...

Bank and sovereign debt risk

OpenAIRE

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

2013-01-01

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

YENİDEN KULLANILABİLİR YAZILIM BİLEŞENLERİNE WEB ÜZERİNDEN ERİŞİM İÇİN CORBA TEMELLİ BİR MİMARİ

Directory of Open Access Journals (Sweden)

R. Cenk ERDUR

2003-01-01

Full Text Available Bilgisayar ağları teknolojilerinin gelişimi ve İnternet'in sürekli büyümesi sonucunda, İnternet, yakın bir gelecekte yeniden kullanıma dayalı yazılım geliştiren kişi veya kuruluşların ortak yazılım bileşeni deposu durumuna gelecektir. Bu yazılım deposunda bulunan yeniden kullanılabilir kodlar, analizler, tasarımlar, tasarım desenleri (design patterns gibi bileşenlerin yeni yazılım geliştirme süreçlerinde de kullanılabilmesi için, söz konusu bileşenlerin İnternet üzerinden aranabilmesini sağlayan ortamlara gerek duyulmaktadır. Bu ortamlar; kullanıcıların sorgu girebilmelerini sağlayan arayüzler, bileşen kütüphanelerine erişimi sağlayan bağlayıcı (wrapper programlar, kullanıcı isteklerini ilgili bileşen kütüphanelerine ileten koordinatör programlar gibi temel elemanlardan oluşmaktadır. Bu çalışmada ilk olarak bu tür bir ortam için CORBA temelli bir mimari ortaya konmaktadır. Daha sonra, aynı ortam için Java 2 platformu teknolojileri kullanımına dayanan alternatif bir mimari verilmekte ve önerilen CORBA temelli mimari ile karşılaştırılmaktadır.

BANK RATING. A COMPARATIVE ANALYSIS

Directory of Open Access Journals (Sweden)

Batrancea Ioan

2015-07-01

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

Marketing channels of banking products and services in contemporary business environment

Directory of Open Access Journals (Sweden)

Rakita Aleksandra

2016-01-01

Full Text Available Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion. The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the most developed markets and global trends carrier. In the paper is drafted the comparison of traditional and alternative distribution channels, in order to compare their advantages and disadvantages with the aim to find the optimum balance between them with the purpose to, on the one hand, meet customer needs, and on the other increase the efficiency of banking operations and lowered costs.

Contribution of Macroprudensial Policy of Central Bank On Microprudensial Islamic Banking

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Riduwan Riduwan

2018-03-01

Full Text Available The purpose of this research will be to answer the contribution of the macroprudential policy of Central Bank to the microprudential of islamic banking during the period of January 2008 - February 2016. The method used by quantitative analysis with panel data regression to be able to describe macroprudential policy contribution to FDR of islamic banking in Indonesia. Macroprudential policy instruments use Loan-to-Value Ratio (LTR, Statutory Reserves (GWM based on Loan-to-Funding Ratio (LFR and Countercyclical Capital Buffer (CCB. The islamic bankingmicroprudential instrument used is Financing to Deposit Ratio (FDR. The result shows that macroprudential policy contribution through LTV instrument to FDR has negative and significant influence. Statutory Reserves based on LFR on FDR have a positive and significant influence and CCB on FDR of Indonesia’s islamic banking shows negative and significant influence.

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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

Private Banking Survey 2013: Success Through Innovation : Achieving Sustainability and Client-Centricity in Swiss Private Banking

OpenAIRE

Laamanen, Tomi; Schimmer, Markus; Reuter, Emmanuelle

2013-01-01

This year's private banking study by KPMG and the University of St. Gallen (HSG) shows that Swiss private banks can remain successful in the future by innovating. Besides effective implementation of new regulatory requirements, key success factors will include innovative strategies and adaptations to business models, starting with more effective segmentation techniques, an open product architecture, transparent price structures and modern distribution and communication channels. Hardly an...

How required reserve ratio affects distribution and velocity of money

Science.gov (United States)

Xi, Ning; Ding, Ning; Wang, Yougui

2005-11-01

In this paper the dependence of wealth distribution and the velocity of money on the required reserve ratio is examined based on a random transfer model of money and computer simulations. A fractional reserve banking system is introduced to the model where money creation can be achieved by bank loans and the monetary aggregate is determined by the monetary base and the required reserve ratio. It is shown that monetary wealth follows asymmetric Laplace distribution and latency time of money follows exponential distribution. The expression of monetary wealth distribution and that of the velocity of money in terms of the required reserve ratio are presented in a good agreement with simulation results.

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.

Digital disruption of the banking industry: Threat or opportunity?

Directory of Open Access Journals (Sweden)

Krstić Nataša

2016-01-01

Full Text Available If the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector analyses are showing that future profits will be redirected towards those financial organizations which successfully deploy digital technologies for process automation and as analytical tools, create new services and values for their clients who want their bank to be accessible at all places and all times, and which transform their organizational culture to an agile and innovation-oriented one. Successful banking strategies will be based on understanding how digital business transformation can create new value - on market changes brought by fin-tech innovators, on comprehensive understanding of customer habits and expectations, and setting up investments into digital business as the key priority.

SEGMENTASI LAYANAN INTERNET BANKING

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Ellen Theresia Sihotang

2017-04-01

Full Text Available The purpose of this study is to analyze internet banking�s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method�s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster�s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking. �

The Impacts of Liquidity on Profitability in Banking Sectors of Iraq: A Case of Iraqi Commercial Banks.

OpenAIRE

Sardar Shaker Ibrahim

2017-01-01

This study examines the influence of liquidity on the profitability of Iraqi commercial banks. Five banks based in Iraq namely: North bank, Iraqi Islamic bank, Sumer bank, Dar Es-Salam bank and Babylon bank randomly selected and analyzed for the current study over the period 2005 to 2013. Moreover,  annual reports of these banks have studied and the main ratios of profitability and liquidity were calculated. These reports are available at Iraqi Stock Exchange site. The variables that were ide...

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

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

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

Banking and trading

NARCIS (Netherlands)

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

2013-01-01

We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital

Usable Security and E-Banking

DEFF Research Database (Denmark)

Hertzum, Morten; Juul, Niels Christian; Jørgensen, Niels Henrik

2004-01-01

Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Analysis of the weaknesses suggests that security requirements are among their causes...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....

Usable security and e-banking

DEFF Research Database (Denmark)

Hertzum, Morten; Jørgensen, Niels; Nørgaard, Mie

2004-01-01

Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Our analysis of the weaknesses suggests that security requirements are among their causes...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....

LOAN DISTRIBUTION STRATEGY PT. BANK X (PERSERO, TBK – BOGOR CREDIT BUSINESS UNIT

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Isyana Mitrady

2015-12-01

Full Text Available PT. Bank X (Persero, Tbk has credit business unit and one of them is located in Bogor, which experienced decreased performance from year to year because of the increasing of competitiveness among rivalry. The decrease of performance measured both from realization of distribution credit and level of bad loans or Non Performing Loans (NPL. This research aimed to analyze the loan portfolio strategies based on the precautionary principle in the company. This research begins with identification factors affecting the company on its business both internal and external factors. The study was conducted qualitatively by filling questionnaires and in-depth interviews to seven experts on credit sector. Internal and external factors are treated with EFE-IFE matrix then IE matrix to determine the condition of the company, then a SWOT analysis to formulate some alternative strategies was carried out and last method is QSPM to choose the best strategic alternatives for the company. The results showed that the relative strength of the company has not been strong in overcoming internal weaknesses, but the company is considered good enough to take advantage of the opportunities that exist outside and can overcome challenges. Interest rates on loans, convenience and services to debtors, the technology owned by, also the opening of the public mindset about the banking world are the important factors that affect the company in doing business. Based on the QSPM result, supply chain utilization from existing debtor is the best strategy for prudent lending in company.Keyword: loan, non performing loan, IE Matrix, SWOT, QSPMABSTRAKPT. Bank X (Persero, Tbk memiliki salah satu unit bisnis penyalur kredit yang terletak di Bogor dan mengalami penurunan kinerja dari tahun ke tahun akibat persaingan yang semakin kompetitif. Penurunan kinerja tersebut diukur dari sisi realisasi penyaluran kredit maupun dari tingkat kredit macet. Penelitian ini bertujuan untuk menganalisis

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.

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...

Human Milk Banking.

Science.gov (United States)

Haiden, Nadja; Ziegler, Ekhard E

2016-01-01

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

Reliability data banks

International Nuclear Information System (INIS)

Cannon, A.G.; Bendell, A.

1991-01-01

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

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...

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

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

Cryptanalysis of a computer cryptography scheme based on a filter bank

International Nuclear Information System (INIS)

Arroyo, David; Li Chengqing; Li Shujun; Alvarez, Gonzalo

2009-01-01

This paper analyzes the security of a recently-proposed signal encryption scheme based on a filter bank. A very critical weakness of this new signal encryption procedure is exploited in order to successfully recover the associated secret key.

Impact Assessment of Bank Consolidation on the Performance of Commercial Banks in Nigeria

Directory of Open Access Journals (Sweden)

Edirin Jeroh

2015-10-01

Full Text Available This study focuses on an impact assessment of the consolidation exercise on the performance of commercial banks in Nigeria. While prior studies focused on the financial performance of banks (with emphasis on profitability, the main thrust of this study was on how the consolidation exercise had affected different areas of commercial banks in Nigeria other than profitability. Secondary data were sourced from the annual accounts and statistical bulletins of the CBN and SEC respectively for the relevant years. The data obtained were analysed by means of sensitivity analysis, in addition to the correlation and regression analyses. The results obtained show that the consolidation exercise had positive impact on the selected variables (Non Performing Loans, Liquidity Ratio, Bank Credit to Private Sector and Bank Capital To Asset Ratio for this study. Based on the above findings, we recommend among others that while efforts are made by the CBN to sustain the increased capital base of banks, a very sound corporate governance framework and effective risk management systems must be put in place to check the level of non-performing loans which seem to be predominant in the industry. The quality of bank credit to private sector and their recovery procedures should also be improved upon.

Alternative banking: theory and evidence from Europe

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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.

Reconstruction of Financing Agreement Based on the Principle of Profit and Loss in Sharia Banking

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Trisadini Prasastinah Usanti

2016-04-01

Full Text Available The main purpose of this paper is to provide an analysis that with the reconstruction of the contract that is based on sharing profits and losses it will form a model contract that has Islamic values, maslahat and justice. In the practice of sharia banking in Indonesia, the financing agreement based on the principle of profit and loss sharing in form standard does not fully reflect the characteristic of the contract. Approach used is legislation approach, conceptual approach and contract approach. Legal materials consist of primary legal materials and secondary legal materials. The study is helpful in practice sharia banking, namely the model of financing contract based on the principle of profit and sharing. Standard contracts in sharia banking serve as a form of legal frame that can be reconstructed. The characteristics of the contract is based on the principle of profit and loss sharing which state is that no one is justified to get a profit without having to bear the business risk.

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

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

Science.gov (United States)

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

2012-01-01

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

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

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Iwan Fakhruddin

2015-09-01

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

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

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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

Efficiency model of Russian banks

OpenAIRE

Pavlyuk, Dmitry

2006-01-01

The article deals with problems related to the stochastic frontier model of bank efficiency measurement. The model is used to study the efficiency of the banking sector of The Russian Federation. It is based on the stochastic approach both to the efficiency frontier location and to individual bank efficiency values. The model allows estimating bank efficiency values, finding relations with different macro- and microeconomic factors and testing some economic hypotheses.

World Bank support for renewable energy - the ASTAE experience

International Nuclear Information System (INIS)

Schaeffer, L.

1999-01-01

Historically, the World Bank has helped finance the generation, transmission and distribution of electricity as well as improvements in supply-side energy efficiency. The World Bank's ability to mainstream renewable energy technologies in developing countries is enhanced by the Global Energy Facility (GEF), the World Bank Solar Initiative (and the nascent Solar Development Corporation), the International Finance Corporation and the Asia Alternative Energy Unit (ASTAE). (orig./RHM)

AVOIDING RISK IN WORKING CAPITAL CREDIT DISTRIBUTION IN INDONESIA

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Aloysius Deno Hervino

2011-09-01

Full Text Available This research analyzes risk avoidance behaviour of banking institutions in distributing working capital loan in Indonesia. Using Autoregressive Distributed Lag Error Correction Model, this paper uncovers three findings. First, in the short run, risk avoidance in working capital loan distribution depends on inter-call banking money market and Sertifikat Bank Indonesia. Second, following banking regulation after 1997 crisis, banks have become more careful in distributing credits, with SBI as a substitution instrument and inter-call banking money market as a complement instrument to spread the risk. Third, all explanatory variables take an average of 6 days or 1 week to influence bank’s risk avoidance behaviour.Keywords:     Risk avoidance, working capital distribution, banking institutions JEL classification numbers: C32, C52, D81, E51

DroydSeuss: A Mobile Banking Trojan Tracker - Short Paper

NARCIS (Netherlands)

Coletta, A.; van der Veen, V.; Maggi, F.

2016-01-01

After analyzing several Android mobile banking trojans, weobserved the presence of repetitive artifacts that describe valuable informationabout the distribution of this class of malicious apps. Motivatedby the high threat level posed by mobile banking trojans and by thelack of publicly available

Applications of Parallel Processing in Mobile Banking

Directory of Open Access Journals (Sweden)

2007-01-01

Full Text Available The future of mobile banking will be represented by such applications that support mobile, Internet banking and EFT (Electronic Funds Transfer transactions in a single user interface. In such a way, the mobile banking will be able to cover all the types of applications demanded at the market level. The parallel processing of credit card bank transactions could be performed with the help of a grid network. Excluding some limitations, the grid processing offers huge opportunities to exploit the parallelism. For this reason, a lot of applications of waiting queues in grid processing were developed in the last years. Grid networks represent a distinctive and very modern field of the parallel and distributed processing.

KONSEP PENGATURAN PENJAMINAN SIMPANAN NASABAH PADA BANK SYARIAH

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Danang Wahyu Muhammad

2016-01-01

Full Text Available Fund Guarantor Institution (LGI does not yet have Syariah scheme as a distinguishing feature of Sharia-based society fund guarantee. Meanwhile, the existing Government Regulation, that is PP No. 39 Year 2005 about Bank Customer Fund Guarantee based on Sharia Principles, is very simple so that it is not sufficient and does not cover Islamic Banks. Based on the background, the problem formulation in this research is “What is the concept of customer fund guarantee regulation like in Islamic Banks?” The objective of this research is to make a concept about customer fund guarantee regulation in Islamic Banks.The type of this research is juridical normative that is doctrinal, with law and conceptual approach method. As a doctrinal law research, this research will only review legal materials; primary legal materials, secondary legal materials, and non-legal materials. The analysis of this research uses prescriptive method.The conclusion of the research is that in Banking Operation Principles in Indonesia there are two types of banks; conventional and Islamic bank, where both types use different systems. As a consequence, in principle, the institution that guarantees the customer fund should be distinguished. This is based on some considerations :Islamic Banks proscribes bank interest, because of that they do not use bank interest mechanism in its operation, therefore the institution that guarantees its customer fund should not use bank interest mechanism.In its operational systems, Islamic Banks use covenants that have been determined according to Islamic Fiqh, so the institution that guarantees its customer fund should base its operation system to the covenant that is based on Islamic Fiqh. Islamic Banks are limited by what may be done and what may not be done based on Islamic Fiqh, determination, so the institution that guarantees its customer fund should base its operational on the same determination.Therefore, there will be a consistency

Methods of Optimisation of the Structure of the Dealing Bank with a Limited Base of Counter-Agents

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Novak Sergіy M.

2013-11-01

Full Text Available The article considers methods of assessment of optimal parameters of the dealing bank service with a limited base of counter-agents. The methods are based on the mathematical model of micro-structure of the inter-bank currency market. The key parameters of the infrastructure of the dealing service within the framework of the model are: number of authorised traders, contingent of counter-agents, quotation policy, main parameters of the currency market – spread and volatility of quotations and the resulting indicators of efficiency of the dealing service – profit and probability of breakeven operation. The methods allow identification of optimal parameters of the infrastructure of the dealing bank service based on indicators of dynamics of currency risks and market environment of the bank. On the basis of the developed mathematical model the article develops methods of planning calculations of parameters of the infrastructure of the dealing bank service, which are required for ensuring a necessary level of efficiency with set parameters of the currency market. Application of the said methods gives a possibility to assess indicators of operation of the bank’s front office depending on its scale.

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

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Murti Lestari

2010-05-01

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

Integrating knowledge based functionality in commercial hospital information systems.

Science.gov (United States)

Müller, M L; Ganslandt, T; Eich, H P; Lang, K; Ohmann, C; Prokosch, H U

2000-01-01

Successful integration of knowledge-based functions in the electronic patient record depends on direct and context-sensitive accessibility and availability to clinicians and must suit their workflow. In this paper we describe an exemplary integration of an existing standalone scoring system for acute abdominal pain into two different commercial hospital information systems using Java/Corba technolgy.

Optimal preventive bank supervision

OpenAIRE

Belhaj, Mohamed; Klimenko, Nataliya

2012-01-01

Early regulator interventions into problem banks is one of the key suggestions of Basel Committee on Banking Supervision. However, no guidance is given on their design. To fill this gap, we outline an incentive-based preventive supervision strategy that eliminates bad asset management in banks. Two supervision techniques are combined: temporary regulatory administration and random audits. Our design ensures good management without excessive supervision costs, through a gradual adjustment of...

The efficiency of bank branches

OpenAIRE

Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

2015-01-01

Banking industry has significant contribution in development of economies of developing countries. Most banks execute their operations through different branches. Therefore it is important to measure the relative efficiencies of these branches. Data envelopment analysis (DEA) is one of the most useful tools in measuring banks’ performance. The present paper aims to extract ranking pattern of banks based on performance evaluation using DEA analysis. In the present research, 120 bank branches o...

Should the 'Outs' Join the Banking Union?

NARCIS (Netherlands)

P. Hüttl (Pia); D. Schoenmaker (Dirk)

2016-01-01

textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

HUBUNGAN KADAR OVERNIGHT MONEY ANTARA BANK KONVENSIONAL DENGAN BANK ISLAM: BUKTI EMPIRIKAL DI MALAYSIA

OpenAIRE

Zulkefly Abdul Karim; Norain Mod Asri; M. Farid Wajdi; Antoni Antoni

2007-01-01

The objective of this study is to examine the relationship between overnight money of Islamic bank and conventional bank based on daily data begins from 12th October 1998 until 10th June 2005. This study is important to determine whether overnight money of conventional bank or overnight money of Islamic bank, become the leader or follower in the interbank money market. The econometrics tests such as unit root test, VAR model and Granger causality test have been applied. Result sho...

Effective factors on bank resource mobilization

OpenAIRE

Saeid Ghorbannejad Maleki; Jafar Beikzad

2012-01-01

The main purpose of this paper is to detect effective factors on mobilization of East Azarbaijan Agricultural Bank resources in terms of deposits absorption. In order to reaching this goal, six hypotheses have been arranged and a questionnaire including 28 questions has been designed. So after justifiability and perpetuity evaluation, the questionnaires are distributed among managers of these banks. We have analyzed the data using multi variable regression analysis, Pearson's R and Variant an...

Global financial crisis, ownership and bank profit efficiency in the Bangladesh's state owned and private commercial banks

OpenAIRE

Kamarudin, Fakarudin; Sufian, Fadzlan; Nassir, Annuar Md.

2016-01-01

Abstract: This paper studies the impact of global financial crisis focusing on State Owned Commercial Banks (SCBs) and Private Commercial Banks (PCBs) ownership and others bank specific and macroeconomics factors influencing profit efficiency level of the Bangladesh banking sector. The Slack-Based Data Envelopment Analysis (SBM-DEA) method employed to compute the profit efficiency of 31 commercial banks operating in the Bangladesh over the years 2004-2011. Furthermore, the multivariate panel ...

World Bank support for renewable energy - the ASTAE experience

Energy Technology Data Exchange (ETDEWEB)

Schaeffer, L. [World Bank, Washington, DC (United States). Asia Alternative Energy Unit

1999-07-01

Historically, the World Bank has helped finance the generation, transmission and distribution of electricity as well as improvements in supply-side energy efficiency. The World Bank's ability to mainstream renewable energy technologies in developing countries is enhanced by the Global Energy Facility (GEF), the World Bank Solar Initiative (and the nascent Solar Development Corporation), the International Finance Corporation and the Asia Alternative Energy Unit (ASTAE). (orig./RHM)

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

Directory of Open Access Journals (Sweden)

Lidiyawati Lidiyawati

2015-05-01

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

Essays on bank liquidity : contributions to the measurement of liquidity risk and to the management of bank liquidity production

OpenAIRE

Soula , Jean-Loup

2017-01-01

Bank liquidity risk reflects the function of banks to create liquidity. Banks are fragile, exposed to the possibility of runs from short-term creditors. This dissertation contributes to a better understanding of bank liquidity risk. The second chapter proposes a measure of bank fragility based on the value of the assets held by a bank. Results confirm, in an original way, the fragile nature of banks. However, bank liquidity creation benefits to the economy. The third chapter analyses the capa...

Estimating Travel Time in Bank Filtration Systems from a Numerical Model Based on DTS Measurements.

Science.gov (United States)

des Tombe, Bas F; Bakker, Mark; Schaars, Frans; van der Made, Kees-Jan

2018-03-01

An approach is presented to determine the seasonal variations in travel time in a bank filtration system using a passive heat tracer test. The temperature in the aquifer varies seasonally because of temperature variations of the infiltrating surface water and at the soil surface. Temperature was measured with distributed temperature sensing along fiber optic cables that were inserted vertically into the aquifer with direct push equipment. The approach was applied to a bank filtration system consisting of a sequence of alternating, elongated recharge basins and rows of recovery wells. A SEAWAT model was developed to simulate coupled flow and heat transport. The model of a two-dimensional vertical cross section is able to simulate the temperature of the water at the well and the measured vertical temperature profiles reasonably well. MODPATH was used to compute flowpaths and the travel time distribution. At the study site, temporal variation of the pumping discharge was the dominant factor influencing the travel time distribution. For an equivalent system with a constant pumping rate, variations in the travel time distribution are caused by variations in the temperature-dependent viscosity. As a result, travel times increase in the winter, when a larger fraction of the water travels through the warmer, lower part of the aquifer, and decrease in the summer, when the upper part of the aquifer is warmer. © 2017 The Authors. Groundwater published by Wiley Periodicals, Inc. on behalf of National Ground Water Association.

Banking. Teaching Guide.

Science.gov (United States)

Florida Univ., Gainesville. Florida Cooperative Extension Service.

One in a series of consumer education materials for teenagers, this document focuses on banking and banking services. The series is based on the philosophy that teens need the training and guidance to develop the skills needed to become competent consumers. Developed for 4-H Club members, the material is designed to acquaint students with the…

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...

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

Directory of Open Access Journals (Sweden)

Tram Nguyen

2018-01-01

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

Transparency of Banking Supervisors

NARCIS (Netherlands)

Liedorp, Franka; Mosch, Robert; van der Cruijsen, Carin; de Haan, Jakob

Following Eijffinger and Geraats (2006), this paper constructs an index of transparency of banking supervisors that takes political, economic, procedural, policy, and operational transparency into account. Based on a survey, the index is constructed for 24 banking supervisors. The average score is

The impact of the originate-to-distribute model on banks before and during the financial crisis

OpenAIRE

Richard J. Rosen

2010-01-01

The growth of securitization made it easier for banks to sell home mortgage loans that they originated. I explore how mortgage sales affected banks in the years leading up to the financial crisis that began in 2007 and how their pre-crisis mortgage sales affected banks during the crisis. Loan sales are important because most banks sell mortgages as part of the securitization process, but few actually do the securitization. I find that stock returns increase when banks increase sales of mortga...

Clinical grade adult stem cell banking.

Science.gov (United States)

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

2009-07-01

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

BANKING UNION - ROMANIAN PERSPECTIVE

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Coroiu Sorina Ioana

2015-07-01

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

Business Strategy and Perceived Benefits of Internet Banking: Their Impact on Banks' Strategic Responses to China's Entry to WTO

Institute of Scientific and Technical Information of China (English)

刘春红; 江静; 李杰

2003-01-01

With the entry to WRO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks'perceived increase in Internet banking investment has no difference between big banks and small banks.

IT Operational Risk Measurement Model Based on Internal Loss Data of Banks

Science.gov (United States)

Hao, Xiaoling

Business operation of banks relies increasingly on information technology (IT) and the most important role of IT is to guarantee the operational continuity of business process. Therefore, IT Risk management efforts need to be seen from the perspective of operational continuity. Traditional IT risk studies focused on IT asset-based risk analysis and risk-matrix based qualitative risk evaluation. In practice, IT risk management practices of banking industry are still limited to the IT department and aren't integrated into business risk management, which causes the two departments to work in isolation. This paper presents an improved methodology for dealing with IT operational risk. It adopts quantitative measurement method, based on the internal business loss data about IT events, and uses Monte Carlo simulation to predict the potential losses. We establish the correlation between the IT resources and business processes to make sure risk management of IT and business can work synergistically.

Application of Distribution-free Methods of Study for Identifying the Degree of Reliability of Ukrainian Banks

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Burkina Natalia V.

2014-03-01

Full Text Available Bank ratings are integral elements of information infrastructure that ensure sound development of the banking business. One of the key issues that the clients of banking structures are worried about is the issue of identification of the degree of reliability and trust to the bank. As of now there are no common generally accepted methods of bank rating and the issue of bank reliability is rather problematic. The article considers a modern DEA method of economic and mathematical analysis which is a popular instrument of assessment of quality of services of different subjects and which became very popular in foreign econometric studies. The article demonstrates application of the data encapsulation method (data envelopment analysis, DEA for obtaining new methods of development of bank ratings and marks out incoming and outgoing indicators for building a DEA model as applied to the Ukrainian banking system. The authors also discuss some methodical problems that might appear when applying component indicators for ranging the subjects and offer methods of their elimination.

The Participation Banking As A Distinctive Method And The Its Growing In The Turkish Finance Market-Period: 2007-2013

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Ferhat Sayım

2015-02-01

Full Text Available Financial systems and companies has become the most important reason in the weakness of world economic system. The formation and development process of the financial structure also constitutes the infrastructure of the world economic system. The path of the financial system and development has led to discuss with the financial crisis in 2008-2011. One of the argument topic in order to reduce problems caused by the conventional banking system is alternative financing systems. In Turkey, the corporations based on profit share system which are named participation based banking attention, if the alternative banking systems are considered. These banks which settle on different principles in the risk distribution of the portfolio acquired are analyzed more nowadays. Participation based banks are placed in almost every regulation related to banking terms and get their legal infrastructure more stable in the banking legislation of Turkey.This study is a 2007-2013 part of research series. We try to find out the place and the importance of participation based banking with the various sub-headings especially in Turkey. We examine the comparative review 2007-2013 data of participation banks which Total Assets, Equity Net Profit, Collected Turkish Currency and Foreign Currency Funds and Bank Loan Funds, figures for the four participation banks in Turkey. We are comparing the total figures with deposit banks for the same period.One of our primary aim in this essay, to study in the framework of the alternatives of the financial companies and options. These options could be stated as a vibrant and viable well established choice as a non-western model- different from the classical western interest based leading banking system in the globe. Moreover, that participation banking systems’ grow and increase with its resourceful bulk of transactions and shares within the financial market. In addition, we intended to delineate the basic functioning structures, rules

Effects of flooding on the spatial distribution of soil seed and spore banks of native grasslands of the Pantanal wetland

Directory of Open Access Journals (Sweden)

Patricia Carla de Oliveira

2015-09-01

Full Text Available ABSTRACTTo better understand the role that flooding plays in shaping plant communities of native floodable grasslands of the Pantanal and to characterize the spatial distribution of plants, we present the results of a survey of soil seed and spore banks using the seedling emergence method. We hypothesized that terrain subjected to the deepest and longest flooding should have higher propagule abundance and richness. The species composition and distribution of seeds and spores in the soil were assessed at five sites using three sampling positions at each according to inundation intensity. In each sample position 2cm-thick soil samples were collected in quadrats to a depth of 10cm. Litter was also collected as an independent layer. Sample monitoring in the greenhouse resulted in the emergence of 5489 seedlings, or 6353 propagules.m-2. Both the litter layer and the deepest soil layer had low abundances. A total of forty-four morphospecies (16 families were recorded. Both seedling abundance and species richness were concentrated in the more floodable center sections. Isoetes pedersenii, Eleocharis minima, Sagittaria guayanensis, Rotala mexicana, Eleocharis plicarhachis, and Panicum laxum were the most abundant species. The species composition and spatial distribution of the propagule bank suggests that flooding plays a crucial role in seasonal vegetation dynamics in Pantanal wetlands, mediated by the ability of the soil to host seeds and spores during dry season.

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.

Do banks differently set their liquidity ratios based on their network characteristics? Do banks differently set their liquidity ratios based on their network characteristics?

OpenAIRE

Distinguin, Isabelle; Mahdavi-Ardekani, Aref; Tarazi, Amine

2017-01-01

This paper investigates the impact of interbank network topology on bank liquidity ratios. Whereas more emphasis has been put on liquidity requirements by regulators since the global financial crisis of 2007-2008, how differently shaped interbank networks impact individual bank liquidity behavior remains an open issue. We look at how bank interconnectedness within interbank loan and deposit networks affects their decision to hold more or less liquidity during normal times and distress times a...

Tissue banking in australia.

Science.gov (United States)

Ireland, Lynette; McKelvie, Helen

2003-01-01

The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

Making Central Banks Serve The Real Economy

Directory of Open Access Journals (Sweden)

Suleika Reiners

2013-10-01

Full Text Available The challenge is to redirect central bank money into the real economy and to the needs of society. If new money is issued to expand the productive capacity, there is no reason for inflation. Long-term financing could become available at an affordable price. Central bank money must not replace a sound tax system and the distribution of income and wealth, but complement them. The remaining task, apart from the financing of real needs, is the prevention of speculative asset price inflation. For this, central banks and regulators should install debt brakes for the financial sector. Furthermore, independent monetary policy calls for capital account management. It enables national central banks to find space for the conduct of their own policies in an interdependent global economy. Coordination between central banks and governments might increase as policies combine monetary, fiscal and regulatory facets. The future role of central banks should particularly lie in their insights regarding capital flows and leverage cycles and in their ability to create and withdraw money, depend­ing on economic conditions.

Banking Fragility in Colombia: An Empirical Analysis Based on Balance Sheets

OpenAIRE

Ignacio Lozano; Alexander Guarín

2014-01-01

In this paper, we study the empirical relationship between credit funding sources and the financial vulnerability of the Colombian banking system. We propose a statistical model to measure and predict banking-fragility episodes associated with credit funding sources classified into retail deposits and wholesale funds. We compute the probability of financial fragility for both the aggregated banking system and the individual banks. Our approach performs a Bayesian averaging of estimated logit ...

Analyzing the Problems of Ayandeh Bank Branches across the Country Using Data Mining Technique

Directory of Open Access Journals (Sweden)

Shabnam Mohammadi

2014-06-01

Full Text Available In order to manage problems and complaints of customers and branches, many banks in the country outsource parts of their customer relationship management to companies such as call centers. Since this important unit is managed out of the banks, analyzing the data and evaluating the performance of call centers are very important. On the other hand, many banks are not able to analyze and do not know how to use hidden patterns in the data. Hence, by presenting RFS model in this paper, we have tried to cluster bank branches based on R factor (recently announced problem, F (frequency or number of difficulties and S (branches satisfaction with call center and find the relationship between these factors and mentioned problems. Moreover, call center's ability to resolve problems of branches of each cluster can be assessed using S Factor. Branches were distributed into four optimized clusters based on their behavior pattern. Finally, the results were analyzed and the recommendations were presented to improve the performance of call centers.

INFLUENCE OF PERCEIVED CUSTOMER VALUE, EMPLOYEE SERVICE QUALITY, BANK IMAGE AND CUSTOMER SATISFACTION ON GENERATION Y STUDENTS’ BANK LOYALTY

OpenAIRE

Ephrem Habtemichael Redda; Marko van Deventer

2017-01-01

Retail banks are increasingly focused on maintaining a loyal customer base. This is because loyal customers translate into higher profits and increased market share. The Generation Y cohort, which comprises the youth of today, is an important current and future banking segment and its bank loyalty could have a notable effect on the profitability of retail banks. Understanding the factors that positively contribute towards this cohort’s bank loyalty will aid retail banks in devisin...

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.

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

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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

The Role of Zakat In Islamic Banking Institutions In Developing The Economyof The Poorand Needy In Malaysia

Directory of Open Access Journals (Sweden)

Azman Ab Rahman

2012-08-01

Full Text Available Objective: Based on the report of the Malaysian Zakat Management, business Zakat records among the highest collection from the total Zakat collection. Islamic banking insitutions in Malaysia serves as the main contributor to business Zakat . In Malaysia, there are 17 banks doing trade and investment based on Syariah. Therefore, this article will examine the role of business Zakat in Malaysian Islamic banking institutions in developing the economy of the poor.Methods: This study uses the library study method. Among the reading materials that have been referred include those materials related to the poor, the policy approach formed from selected banks namely Bank A and Bank B, the statistical report of the Islamic banking institutions Zakat , websites on the background of the bank sample and so on.Results: As a general guideline in building a framework, through Zakat distribution management in Islamic banking institutions method which is in terms of the policy and regulations. Beside that, this research also focuses on the Islamic banking institutions concern in helping the poor and needy to enhance their lives and also the forms of assistance given to them.Conclusion: It is hoped that this study will be able to become a platform in the brainstorming of several ideas as to ensure that the Zakat management in Malaysian Islamic banking institutions to become better-arranged and effective other than making sure that the Zakat money given to those who deserve them can really achieve the goals that have been determined in Islam.Keywords : Business Zakat, Islamic Banking Institutions, Economy, The Poor

Design of quadrature mirror filter bank using Lagrange multiplier method based on fractional derivative constraints

Directory of Open Access Journals (Sweden)

B. Kuldeep

2015-06-01

Full Text Available Fractional calculus has recently been identified as a very important mathematical tool in the field of signal processing. Digital filters designed by fractional derivatives give more accurate frequency response in the prescribed frequency region. Digital filters are most important part of multi-rate filter bank systems. In this paper, an improved method based on fractional derivative constraints is presented for the design of two-channel quadrature mirror filter (QMF bank. The design problem is formulated as minimization of L2 error of filter bank transfer function in passband, stopband interval and at quadrature frequency, and then Lagrange multiplier method with fractional derivative constraints is applied to solve it. The proposed method is then successfully applied for the design of two-channel QMF bank with higher order filter taps. Performance of the QMF bank design is then examined through study of various parameters such as passband error, stopband error, transition band error, peak reconstruction error (PRE, stopband attenuation (As. It is found that, the good design can be obtained with the change of number and value of fractional derivative constraint coefficients.

NEA Data Bank Progress Report 2010-2011

International Nuclear Information System (INIS)

2011-01-01

The OECD NEA Data Bank provides scientist in member countries with reference materials in the field of nuclear energy applications. The services include the compilation, verification, and distribution of nuclear data, chemical thermodynamic data, integral benchmark experiments, as well as computer programs and associated application libraries. The Data Bank also develops and maintains databases and related administration/retrieval tools, including the JANIS display software. The Data Bank works in close co-operation with the Nuclear Science Section, especially in the field of computer codes and associated application libraries benchmarking, integral experiments, nuclear data evaluation co-operation, and knowledge preservation. These activities are in essence international and organised in close collaboration with other main national and international organisations. More information on the NEA Data Bank can be found at www.oecd-nea.org/databank.

Central bank independence and inflation revisited

NARCIS (Netherlands)

Klomp, Jeroen; de Haan, Jakob

We re-examine the relationship between central bank independence (CBI), proxied by the central bank governor's turnover rate and an indicator based on central bank laws in place, and inflation using a random coefficient model with the Hildreth-Houck estimator for more than 100 countries in the

Central bank independence and inflation revisited

NARCIS (Netherlands)

Klomp, J.G.; Haan, de J.

2010-01-01

We re-examine the relationship between central bank independence (CBI), proxied by the central bank governor's turnover rate and an indicator based on central bank laws in place, and inflation using a random coefficient model with the Hildreth-Houck estimator for more than 100 countries in the

Analysis on Sustainable Development Management Model of Village Banks - Based on Bayan Rongxing Village Bank in Heilongjiang Province

Institute of Scientific and Technical Information of China (English)

Wang shuang; Wang Ji-heng; Liu Bing; Yu Xiao-wen

2015-01-01

This paper summarized the management models of village banks in China. We compared and analyzed different management models of four village banks in different regions on four aspects: regional agriculture feature, loan for farmers, loan for enterprises and the construction of network, then came to the conclusion that, if the village banks' health development can realize, they must pay attention to innovating in loan patterns as well as material loan and starting out the network development.

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

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.

Regenerative role of seed banks following an intense soil disturbance

Science.gov (United States)

Luzuriaga, Arantzazu L.; Escudero, Adrián; Olano, José Miguel; Loidi, Javier

2005-02-01

Our main aim was to determine the contribution of the seed bank to vegetation regeneration following a disturbance consisting in a deep ploughing and a thorough homogenisation of a perennial grassland. In the seed bank prior to disturbance, seed distribution through the vertical soil profile was evaluated to determine the initial seed species structure. Then, several characteristics of the shallow seed bank and the extant vegetation were evaluated prior and following field disturbance: seed species composition and abundance, and species composition of the aboveground vegetation. The contribution of seed rain versus seed bank was evaluated by means of the comparison of the vegetation developed in plots filled with sterilised soil (seed bank removal) and the vegetation developed in non-sterilised plots in the field. The distribution of seeds through the profile indicated a sharp decline in abundance with depth, and it was probably linked to propagule morphology, with small and rounded seeds proner to being buried deeper than larger seeds. In the grassland prior to disturbance, the aboveground vegetation and seed bank species composition showed very low similarity index, most likely because during the 5 years following field abandonment, sheep pressure had caused a faster change in aboveground vegetation species composition than in seed bank species composition. Ploughing and homogenisation of the grassland led to low seed abundance in the shallow soil layer caused by dilution of the seed bank. Regardless of impoverishment in seed abundance and species richness, comparison between sterilised and non-sterilised plots showed that the seed bank acted as an effective source of colonising species and determined the aboveground species composition. To summarise, this study outlines the importance of considering several characteristics of the seed bank, such as species composition and seed abundance, in the understanding of the function of seed bank and dynamics of the

An Exploration of Customers’ Switching Behavior In Islamic Banking Industry

Directory of Open Access Journals (Sweden)

Ali Rama

2017-02-01

Full Text Available The existence of the switching behavior among Islamic bank customers may affect to the survival of the Islamic banks of the country. Switching behavior is mostly as an outcome of the negative service experience that may be related to several factors. The purpose of the study is to provide an insight of the drivers that lead to a bank customer switching behavior from one Islamic bank to another bank. The study employed survey method through questionnaire instrument and distributed to Islamic banking customers in several areas of Banten Province, Indonesia. The result of statistical analysis shows that customer satisfaction, service quality, shariah compliance, prices and involuntary switching have their significant effect on customers’ switching behavior in the Islamic banks. However, service failure and advertisement are not statistically significant in driving bank switching. Therefore, the Islamic bank manager should shape their business model around customers’ needs and focuses operational improvements on customers’ most valued interactions.

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 ...

Government chartered banks step up oil and gas lending

International Nuclear Information System (INIS)

Crow, P.

1994-01-01

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

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...

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.

Ethics in the bank internet encounter

DEFF Research Database (Denmark)

Rendtorff, Jacob Dahl; Mattsson, Jan

2012-01-01

/implications – The important implication for managerial research of this study would be for banks to focus on customer competency with an ethical concern instead of only being concerned with technical solutions for effective internet operations. Practical implications – Since more and more businesses are digitally based......Purpose – The purpose of this paper is to discuss some ethical issues in the internet encounter between customer and bank. Empirical data related to the difficulties that customers have when they deal with the bank through internet technology and electronic banking. The authors discuss...... the difficulties that customers expressed from an ethical standpoint. Design/methodology/approach – The key problem of the paper is “how does research handle the user's lack of competence in a web-based commercial environment?” The authors illustrate this ethical dilemma with data from a Danish Bank collected...

Attacking of SmartCard-Based Banking Applications with JavaScript-Based Rootkits

Science.gov (United States)

Bußmeyer, Daniel; Gröbert, Felix; Schwenk, Jörg; Wegener, Christoph

Due to recent attacks on online banking systems and consequent soaring losses through fraud, different methods have been developed to ensure a secure connection between a bank and its customers. One method is the inclusion of smart card readers into these schemes, which come along with different benefits, e.g., convenience and costs, and endangerments, especially on the security side.

Comparing clustering models in bank customers: Based on Fuzzy relational clustering approach

Directory of Open Access Journals (Sweden)

Ayad Hendalianpour

2016-11-01

Full Text Available Clustering is absolutely useful information to explore data structures and has been employed in many places. It organizes a set of objects into similar groups called clusters, and the objects within one cluster are both highly similar and dissimilar with the objects in other clusters. The K-mean, C-mean, Fuzzy C-mean and Kernel K-mean algorithms are the most popular clustering algorithms for their easy implementation and fast work, but in some cases we cannot use these algorithms. Regarding this, in this paper, a hybrid model for customer clustering is presented that is applicable in five banks of Fars Province, Shiraz, Iran. In this way, the fuzzy relation among customers is defined by using their features described in linguistic and quantitative variables. As follows, the customers of banks are grouped according to K-mean, C-mean, Fuzzy C-mean and Kernel K-mean algorithms and the proposed Fuzzy Relation Clustering (FRC algorithm. The aim of this paper is to show how to choose the best clustering algorithms based on density-based clustering and present a new clustering algorithm for both crisp and fuzzy variables. Finally, we apply the proposed approach to five datasets of customer's segmentation in banks. The result of the FCR shows the accuracy and high performance of FRC compared other clustering methods.

DBCG hypo trial validation of radiotherapy parameters from a national data bank versus manual reporting

DEFF Research Database (Denmark)

Brink, Carsten; Lorenzen, Ebbe L; Krogh, Simon Long

2018-01-01

of dose information, since the two patients had been treated with an electron boost based on a manual calculation, thus data was not exported to the data bank, and this was not detected prior to comparison with the manual data. For a few database fields in the manual data an ambiguity of the parameter...... definition of the specific field is seen in the data. This was not the case for the data bank, which extract all data consistently. CONCLUSIONS: In terms of data quality the data bank is superior to manually reported values. However, there is a need to allocate resources for checking the validity...... of the available data as well as ensuring that all relevant data is present. The data bank contains more detailed information, and thus facilitates research related to the actual dose distribution in the patients....

Regulation of “Banking Group” In Russia in Banking Mergers and Acquisitions in the Modern Conditions

Directory of Open Access Journals (Sweden)

Nikita V. Gurin

2016-01-01

Full Text Available The article says about the specific regulation of banking groups in Russia and applicability of the category in corporate structuring M&A practices. Relevancy and importance of the research are based on increasing attention of the regulatory authorities to the disclosure of grounds and means of establishing a control over groups of entities and, controlling of expenses of funding from the budget of the State Corporation "Deposit Insurance Agency", the Central Bank of the Russian Federation. The article discusses the definitions banking group", "banking holding", "group of entities", "group of entities connected to a credit institution", consolidated "banking group" and applicability of the definitions to filing of the group statements, the use of the banks' (banking group indicators, the applicability of these data to the efficient allocation of resources and the rehabilitation of the Russian banking system. This paper analyzes the current regulations, the author refers to the indicator maximum risk associated with the credit institution a person (a group associated with the credit institution officials, as well as a new version of the indicator maximum amount of loans, bank guarantees and sureties issued by a credit institution (banking group to its members (shareholders and the procedure for calculating them, which come into force from January 1,2016. At the end of the article the author suggests possible options to improve current regulations. The urgency of the problems mentioned is confirmed by cases from practice, which point to the problems identified. The novelty of the work lies in the complex economic and legal approach to risk management to ensure information transparency of banks in the performance of the duty of notification (approval of transactions with the Central Bank of the Russian Federation and the disclosure and reporting its performance. This approach acknowledges the practical importance of the conclusions. Based on the

12 CFR Appendix A to Part 225 - Capital Adequacy Guidelines for Bank Holding Companies: Risk-Based Measure

Science.gov (United States)

2010-01-01

... adjusted for capital purposes in accordance with the instructions to the Consolidated Financial Statements... guidelines apply on a consolidated basis to any bank holding company with consolidated assets of $500 million or more. The risk-based guidelines also apply on a consolidated basis to any bank holding company...

BANK STABILIZATION, SHORELINE LAND-USE, AND THE DISTRIBUTION OF LARGE WOODY DEBRIS IN A REGULATED REACH OF THE UPPER MISSOURI RIVER, NORTH DAKOTA, USA

Science.gov (United States)

Large woody debris (LWD) is an important component of ecosystem function in floodplain rivers. We examined the effects on LWD distribution of shoreline land use, bank stabilization, local channel geomorphology, and distance from the dam in the Garrison Reach, a regulated reach of...

Evaluation of software and electronics technologies for the control of the E-ELT instruments: a case study

International Nuclear Information System (INIS)

Di Marcantonio, P.; Cirami, R.; Coretti, I.; Chiozzi, G.; Kiekebusch, M.

2012-01-01

In the scope of the evaluation of architecture and technologies for the control system of the E-ELT (European-Extremely Large Telescope) instruments, a collaboration has been set up between the Instrumentation and Control Group of the INAF-OATs and the ESO Directorate of Engineering. The first result of this collaboration is the design and implementation of a prototype of a small but representative control system for a kind of multi-object (optical) spectrograph. The electronics has been based on PLCs (Programmable Logical Controller) and Ethernet based field-buses from different vendors but using international standards like the IEC 61131-3 and PLCopen Motion Control. The baseline design for the control software follows the architecture of the VLT (Very Large Telescope) Instrumentation application framework but it has been implemented using the ACS (ALMA Common Software), an open source software framework developed for the ALMA project and based on CORBA middle-ware. The communication among the software components is based on two models: CORBA calls for command/reply using the client/server paradigm and CORBA notification channel for distributing the devices status using the publisher/subscriber paradigm. The communication with the PLCs is based on OPC UA, an international standard for the communication with industrial controllers. The results of this work will contribute to the definition of the architecture of the control system that will be provided to all consortia responsible for the actual implementation of the E-ELT instruments. This paper presents the prototype motivation, its architecture, design and implementation. (authors)

NEA Data Bank Progress Report 2011-2012

International Nuclear Information System (INIS)

Matsumoto, K.; Duppont, E.

2012-01-01

The Data Bank (DB) of the OECD Nuclear Energy Agency (NEA) provides scientists in member countries with reference materials in the field of nuclear energy applications. The services include the compilation, verification, and distribution of nuclear data, chemical thermodynamic data, integral benchmark experiments, as well as computer programs and associated application libraries. The Data Bank also develops and maintains databases and related administration/retrieval tools, including the JANIS display software. The Data Bank works in close co-operation with the Nuclear Science Section, especially in the field of computer codes and associated application libraries benchmarking, integral experiments, nuclear data evaluation co-operation, and knowledge preservation. These activities are in essence international and organised in close collaboration with other main national and international organisations. More information on the NEA Data Bank can be found at www.oecd-nea.org/databank.

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...

PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

Directory of Open Access Journals (Sweden)

Dragan (Santamarian Oana Raluca

2012-12-01

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

National Mesothelioma Virtual Bank: A standard based biospecimen and clinical data resource to enhance translational research

Directory of Open Access Journals (Sweden)

Valdivieso Federico A

2008-08-01

Full Text Available Abstract Background Advances in translational research have led to the need for well characterized biospecimens for research. The National Mesothelioma Virtual Bank is an initiative which collects annotated datasets relevant to human mesothelioma to develop an enterprising biospecimen resource to fulfill researchers' need. Methods The National Mesothelioma Virtual Bank architecture is based on three major components: (a common data elements (based on College of American Pathologists protocol and National North American Association of Central Cancer Registries standards, (b clinical and epidemiologic data annotation, and (c data query tools. These tools work interoperably to standardize the entire process of annotation. The National Mesothelioma Virtual Bank tool is based upon the caTISSUE Clinical Annotation Engine, developed by the University of Pittsburgh in cooperation with the Cancer Biomedical Informatics Grid™ (caBIG™, see http://cabig.nci.nih.gov. This application provides a web-based system for annotating, importing and searching mesothelioma cases. The underlying information model is constructed utilizing Unified Modeling Language class diagrams, hierarchical relationships and Enterprise Architect software. Result The database provides researchers real-time access to richly annotated specimens and integral information related to mesothelioma. The data disclosed is tightly regulated depending upon users' authorization and depending on the participating institute that is amenable to the local Institutional Review Board and regulation committee reviews. Conclusion The National Mesothelioma Virtual Bank currently has over 600 annotated cases available for researchers that include paraffin embedded tissues, tissue microarrays, serum and genomic DNA. The National Mesothelioma Virtual Bank is a virtual biospecimen registry with robust translational biomedical informatics support to facilitate basic science, clinical, and translational

The Customers’ Determinant Factors of the Bank Selection

Directory of Open Access Journals (Sweden)

Umbas Krisnanto

2011-04-01

Full Text Available Some previous researchers are still arguing about the factors that determine the selection of a bank. These factors depend on the intensity of marketing activities undertaken by the bank, reputation of the bank, credit availability, friendly staffs, appropriate interest rates, and location. Jakarta was selected for the research location since Jakarta is the biggest city in Indonesia that represents the advancement of the banking industry. Different statistics tools are applied to find the accurate opinion why respondent choose a bank. Based on the results, the research concludes factors that determine in selecting a bank tend to be based on the secondary factors such as recommendation from friends, and advice from family members.

The Customers’ Determinant Factors of the Bank Selection

Directory of Open Access Journals (Sweden)

Umbas Krisnanto

2011-04-01

Full Text Available Some previous researchers are still arguing about the factors that determine the selection of a bank. These factors depend on the intensity of marketing activities undertaken by the bank, reputation of the bank, credit availability, friendly staffs, appropriate interest rates, and location. Jakarta was selected for the research location since Jakarta is the biggest city in Indonesia that represents the advancement of the banking industry. Different statistics tools are applied to find the accurate opinion why respondent choose a bank. Based on the results, the research concludes factors that determine in selecting a bank tend to be based on the secondary factors such as recommendation from friends, and advice from family members..

The influence of capacitor banks on transformer load current

Directory of Open Access Journals (Sweden)

Jović Aleksandar S.

2017-01-01

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

The Impacts of Liquidity on Profitability in Banking Sectors of Iraq: A Case of Iraqi Commercial Banks.

Directory of Open Access Journals (Sweden)

Sardar Shaker Ibrahim

2017-02-01

Full Text Available This study examines the influence of liquidity on the profitability of Iraqi commercial banks. Five banks based in Iraq namely: North bank, Iraqi Islamic bank, Sumer bank, Dar Es-Salam bank and Babylon bank randomly selected and analyzed for the current study over the period 2005 to 2013. Moreover,  annual reports of these banks have studied and the main ratios of profitability and liquidity were calculated. These reports are available at Iraqi Stock Exchange site. The variables that were identified as independent for liquidity were, loan deposit ratio, deposit asset ratio and cash deposit ratio, while return on assets as dependent variable for profitability. The Ordinary Least Square (OLS model used to examine the impact of liquidity on profitability. The study observes that any increase in liquidity ratios as above mentioned will lead return on asset to increase as well. Depending on this study it could be better for Iraqi banks to keep a balance between liquidity and profitability.

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

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Hamka Siregar

2014-12-01

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

Community in Credit Unions: Has banking regulationimpaired CSR in Australian Customer Owned Banks?

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Dianne McGrath

2017-02-01

Full Text Available This paper presents a sector scan of a sample of Australian Credit Unions and Mutual Banks to examine the CSR reporting from the perspective of the three pillars model proposed by vanOorschot, de Hoog, van der Steen and van Twist (2013. It is argued that the pillar requiringco-operatives to ensure activities which ‘aim for change’, should promote increasing adoptionof CSR. The paper theorises that regulatory requirements imposed in Australia on all bankinginstitutions carry a higher proportional cost to the customer owned banking sector than theshareholder based commercial banks. This consumption of the limited financial resourcesavailable in this sector of banking services, are inhibiting regional Customer Owned Bankingproviders, as co-operative organisations, to fulfil the required co-operative principle to instigatechange for the betterment of communities. This failure could signal the demise of some entitiesin the jurisdiction of Customer Owned Banking.

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...

12 CFR 9.10 - Fiduciary funds awaiting investment or distribution.

Science.gov (United States)

2010-01-01

... distribution. 9.10 Section 9.10 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY... has investment discretion, the bank shall obtain for funds awaiting investment or distribution a rate... principal and interest; (ii) Securities that qualify as eligible for investment by national banks pursuant...

DBCG hypo trial validation of radiotherapy parameters from a national data bank versus manual reporting.

Science.gov (United States)

Brink, Carsten; Lorenzen, Ebbe L; Krogh, Simon Long; Westberg, Jonas; Berg, Martin; Jensen, Ingelise; Thomsen, Mette Skovhus; Yates, Esben Svitzer; Offersen, Birgitte Vrou

2018-01-01

The current study evaluates the data quality achievable using a national data bank for reporting radiotherapy parameters relative to the classical manual reporting method of selected parameters. The data comparison is based on 1522 Danish patients of the DBCG hypo trial with data stored in the Danish national radiotherapy data bank. In line with standard DBCG trial practice selected parameters were also reported manually to the DBCG database. Categorical variables are compared using contingency tables, and comparison of continuous parameters is presented in scatter plots. For categorical variables 25 differences between the data bank and manual values were located. Of these 23 were related to mistakes in the manual reported value whilst the remaining two were a wrong classification in the data bank. The wrong classification in the data bank was related to lack of dose information, since the two patients had been treated with an electron boost based on a manual calculation, thus data was not exported to the data bank, and this was not detected prior to comparison with the manual data. For a few database fields in the manual data an ambiguity of the parameter definition of the specific field is seen in the data. This was not the case for the data bank, which extract all data consistently. In terms of data quality the data bank is superior to manually reported values. However, there is a need to allocate resources for checking the validity of the available data as well as ensuring that all relevant data is present. The data bank contains more detailed information, and thus facilitates research related to the actual dose distribution in the patients.

Capital market based warning indicators of bank runs

Science.gov (United States)

Vakhtina, Elena; Wosnitza, Jan Henrik

2015-01-01

In this investigation, we examine the univariate as well as the multivariate capabilities of the log-periodic [super-exponential] power law (LPPL) for the prediction of bank runs. The research is built upon daily CDS spreads of 40 international banks for the period from June 2007 to March 2010, i.e. at the heart of the global financial crisis. For this time period, 20 of the financial institutions received federal bailouts and are labeled as defaults while the remaining institutions are categorized as non-defaults. The employed multivariate pattern recognition approach represents a modification of the CORA3 algorithm. The approach is found to be robust regardless of reasonable changes of its inputs. Despite the fact that distinct alarm indices for banks do not clearly demonstrate predictive capabilities of the LPPL, the synchronized alarm indices confirm the multivariate discriminative power of LPPL patterns in CDS spread developments acknowledged by bootstrap intervals with 70% confidence level.

Jordan Banks Financial Soundness Indicators

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Imad Kutum

2015-09-01

Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

Banking biological collections: data warehousing, data mining, and data dilemmas in genomics and global health policy.

Science.gov (United States)

Blatt, R J R

2000-01-01

While DNA databases may offer the opportunity to (1) assess population-based prevalence of specific genes and variants, (2) simplify the search for molecular markers, (3) improve targeted drug discovery and development for disease management, (4) refine strategies for disease prevention, and (5) provide the data necessary for evidence-based decision-making, serious scientific and social questions remain. Whether samples are identified, coded, or anonymous, biological banking raises profound ethical and legal issues pertaining to access, informed consent, privacy and confidentiality of genomic information, civil liberties, patenting, and proprietary rights. This paper provides an overview of key policy issues and questions pertaining to biological banking, with a focus on developments in specimen collection, transnational distribution, and public health and academic-industry research alliances. It highlights the challenges posed by the commercialization of genomics, and proposes the need for harmonization of biological banking policies.

AN EXPLORATION OF CUSTOMERS’ SWITCHING BEHAVIOR IN ISLAMIC BANKING INDUSTRY

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Ali Rama

2017-02-01

Full Text Available The existence of the switching behavior among Islamic bank customers may affect to the survival of the Islamic banks of the country. Switching behavior is mostly as an outcome of the negative service experience that may be related to several factors. The purpose of the study is to provide an insight of the drivers that lead to a bank customer switching behavior from one Islamic bank to another bank. The study employed survey method through questionnaire instrument and distributed to Islamic banking customers in several areas of Banten Province, Indonesia. The result of statistical analysis shows that customer satisfaction, service quality, shariah compliance, prices and involuntary switching have their significant effect on customers’ switching behavior in the Islamic banks. However, service failure and advertisement are not statistically significant in driving bank switching. Therefore, the Islamic bank manager should shape their business model around customers’ needs and focuses operational improvements on customers’ most valued interactions.     Keywords: Switching behavior, Customer satisfaction, Service quality, Shariah compliance, Prices JEL Classification: G14, G20, G21, M30, D10

DISCO - A concept of a system for integrated data base management in distributed data processing systems

International Nuclear Information System (INIS)

Holler, E.

1980-01-01

The development in data processing technology favors the trend towards distributed data processing systems: The large-scale integration of semiconductor devices has lead to very efficient (approx. 10 6 operations per second) and relatively cheap low end computers being offered today, that allow to install distributed data processing systems with a total capacity coming near to that of large-scale data processing plants at a tolerable investment expenditure. The technologies of communication and data banks, each by itself, have reached a state of development justifying their routine application. This is made evident by the present efforts for standardization in both areas. The integration of both technologies in the development of systems for integrated distributed data bank management, however, is new territory for engineering. (orig.) [de

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

Regional Banks in the Russian Banking System

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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

Mobile banking: New trend in the contemporary banking sector

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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.

User Acceptance of Internet Banking Service in Malaysia

Science.gov (United States)

Yenyuen, Yee; Yeow, P. H. P.

The study is the first research in Malaysia that investigates user acceptance of Internet banking service (IBS) based on Unified Theory of Acceptance and Use of Technology model (Venkatesh, Morris, Davis and Davis, 2003). Two hundred and eighty questionnaires were distributed and collected from two major cities, Kuala Lumpur and Melaka. Descriptive statistics was used to analyse the data. The results show that Malaysians have intentions of using IBS (mean rating of close to 4.00). Moreover, Malaysians recognize the benefits of IBS by giving a high mean rating (close to 4.00) to performance expectancy. However, they give relative low mean ratings (close to 3.00) on other indicators of Behavioural Intention to Use IBS such as effort expectancy, social influence, facilitating conditions and perceived credibility. Recommendations were given to promote a safe, efficient and conducive environment for user adoption of Internet banking.

MEMBANGUN KEPERCAYAAN NASABAH PADA INTERNET BANKING

Directory of Open Access Journals (Sweden)

Doni Purnama Alamsyah

2016-03-01

Full Text Available Abstrak - Kepercayaan nasabah menjadi hal penting dalam meningkatkan pelayanan bertransaksi di Bank. Tujuan dari penelitian ini membangun kepercayaan nasabah melalui penerimaan kualitas dan penerimaan risiko. Terdapat 100 nasabah yang digunakan untuk mengkaji hubungan dan pengaruh antar variabel penelitian yang diuji melalui hipotesis. Melalui kuesioner yang disebar pada tahun 2015. Hasil penelitian ditemukan adanya hubungan yang berbanding terbalik antara penerimaan kualitas dan penerimaan risiko, serta kepercayaan nasabah dapat ditingkatkan melalui peningkatan penerimaan kualitas dan penekanan penerimaan risiko nasabah atas produk internet banking. Penelitian ini menyempurnakan penelitian sebelumnya dan memiliki implikasi pada penerapan pelayanan nasabah secara online di Bank Rakyat Indonesia. Kata Kunci: Penerimaan Kualitas, Penerimaan Risiko, Kepercayaan Nasabah Abstract - Customer trust more important in improved service transactions in the Bank. The purposed of this study build customer trust through the perceived quality and perceived risk. There are 100 customers who used to study the relationship and influenced between the variables tested through hypothesis. Through questionnaires distributed in 2015. The research found inversely proportional relationship between perceived quality and perceived risk, as well as customer trust can be enhanced through increased perceived quality and decreased perceived risk of customers on internet banking products. The complete study and previous research has implications for online customer service application in Bank Rakyat Indonesia. Keywords : Perceived Quality, Perceived Risk, Trust

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.

Change management in bank M&A

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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.

Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers

Directory of Open Access Journals (Sweden)

Perkins Ed-Zilla Daniel

2013-07-01

Full Text Available Internet usage in Ghana is on the increase and all indications points to the direction of the possibility of its application on online banking to be successful. However, online banking adoption that will lead to a cashless economy is facing doubts. This paper aimed at critically examining the factors that influence the adoption of online banking in Ghana. The study was based on TAM (Technology Acceptance Model, which has been used expansively in similar studies, a descriptive cross-sectional mixed-methodology approach was used. To generalize the findings the researchers used a multi case study approach to help find out the factors that influence online banking adoption. Data was analysed by using multiple Regression Analysis in SPSS to generate ANOVA results. The results showed that the original constructs of TAM i.e. Perceived Usefulness (PU, Perceived Ease of Use (PEOU as well as the extensions of government support, trust and security were all significant to customers’ intensions to adopt online banking. An implication for bank Managers is that they should concentrate on the promotion and advancement of the priceless paybacks that are gained from ‘Intended and Unintended Benefits’ such as lower transaction fees, high deposit rates among others which are realized from the usage online of banking linked to Perceived Usefulness

National Ignition Facility integrated computer control system

International Nuclear Information System (INIS)

Van Arsdall, P.J. LLNL

1998-01-01

The NIF design team is developing the Integrated Computer Control System (ICCS), which is based on an object-oriented software framework applicable to event-driven control systems. The framework provides an open, extensible architecture that is sufficiently abstract to construct future mission-critical control systems. The ICCS will become operational when the first 8 out of 192 beams are activated in mid 2000. The ICCS consists of 300 front-end processors attached to 60,000 control points coordinated by a supervisory system. Computers running either Solaris or VxWorks are networked over a hybrid configuration of switched fast Ethernet and asynchronous transfer mode (ATM). ATM carries digital motion video from sensors to operator consoles. Supervisory software is constructed by extending the reusable framework components for each specific application. The framework incorporates services for database persistence, system configuration, graphical user interface, status monitoring, event logging, scripting language, alert management, and access control. More than twenty collaborating software applications are derived from the common framework. The framework is interoperable among different kinds of computers and functions as a plug-in software bus by leveraging a common object request brokering architecture (CORBA). CORBA transparently distributes the software objects across the network. Because of the pivotal role played, CORBA was tested to ensure adequate performance

A frontier measure of U.S. banking competition

NARCIS (Netherlands)

Bolt, Wilko; Humphrey, David

2015-01-01

The three main measures of competition (HHI, Lerner index, and H-statistic) are uncorrelated for U.S. banks. We investigate why this occurs, propose a frontier measure of competition, and apply it to five major bank service lines. Fee-based banking services comprise 35 percent of bank revenues so

CAMELS-based Determinants for the Credit Rating of Turkish Deposit Banks

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Serhat Yuksel

2015-10-01

Full Text Available This paper demonstrates the relationship between CAMELS ratios and credit ratings of deposit banks in Turkey. Annual data was used for the period between 2004 and 2014 in this study. Moreover, 20 deposit banks of Turkey were analyzed and 21 different ratios of CAMELS components were used. In addition to that, credit ratings of these banks were provided from Moody’s corporation or annual activity reports of the banks. After that, we created multi nominal logistic regression analysis in order to illustrate the relationship. The major finding in this study is that three components (Asset Quality, Management Quality, and Sensitivity to Market Risk of CAMELS have effects on credit ratings whereas the ratios related to Capital Adequacy and Earnings are not effective. As a result, it was recommended that Turkish deposit banks should concentrate on the percentage of fixed assets and interest income to have a better rating. Moreover, having high market share with respect to total assets and lower interest expense are also other important points for this purpose. On the other hand, Turkish deposit banks should control the proportion of financial assets and increase the amount of FX liquid assets to prevent credit ratings to decrease. Additionally, market share of banks for loans should not reach at high level for this objective.

Distorsioni strutturali della regolamentazione prudenziale delle banche (Structural distortions in prudential regulation of banks

Directory of Open Access Journals (Sweden)

Mario Tonveronachi

2002-03-01

Full Text Available At the national level, financial regulation based on prohibitions, the so-called structural rules, was accused of producing significant distortion. The degree of competition it was limited, encouraging inefficiencies of all types; the culture of risk it was weakened; wide discretionary powers were used by national authorities to distort market mechanisms and public ownership distorted competition and fostered cronyism.A new common regulative culture is therefore emerged, based on internal free competition within the banking sector and the financial system as a whole. It requires the elimination of strict limits to banking, the abandonment of the principle of specialization between commercial banking and financial asset bank, the affirmation of private property, the liability of the banks in a stronger market discipline, even with regard to their corporate governance.The Basel rules distorts no less serious than those attributed to the previous structural rules. Excessive competition is no less harmful than a low degree of competition, setting the “level playing field” helps large dimension and practicas “too big to fail”, the “capital crunches” produce serious effects on the economy, while the regulatory costs absorb important share resources of smaller banks. It is a matter of further research whether the new approach to regulation has also favored an increase in the share of national income absorbed by the financial system without having produced a better distribution of risk and a proportional increase in what James Tobin (1984 has defined efficiency of full insurance.

Urgensi Pengaturangreen Banking dalam Kredit Perbankan di Indonesia

OpenAIRE

Radyati, Ajeng

2014-01-01

Urgency Green Banking credit arrangements that provide legal certainty in Indonesia. This paper aims to assess the urgency of the credit arrangement green banking in the Indonesian banking law in order to provide legal certainty in Indonesia. This paper is based on research that uses a normative approach and the conceptual approach of the statute approach. The results showed that Bank Indonesia as bank supervisors need to issue rules that are forced to socialize on green banking arrangements ...

Lower permian reef-bank bodies’ characterization in the pre-caspian basin

Science.gov (United States)

Wang, Zhen; Wang, Yankun; Yin, Jiquan; Luo, Man; Liang, Shuang

2018-02-01

Reef-bank reservoir is one of the targets for exploration of marine carbonate rocks in the Pre-Caspian Basin. Within this basin, the reef-bank bodies were primarily developed in the subsalt Devonian-Lower Permian formations, and are dominated by carbonate platform interior and margin reef-banks. The Lower Permian reef-bank present in the eastern part of the basin is considered prospective. This article provides a sequence and sedimentary facies study utilizing drilling and other data, as well as an analysis and identification of the Lower Permian reef-bank features along the eastern margin of the Pre-Caspian Basin using sub-volume coherence and seismic inversion techniques. The results indicate that the sub-volume coherence technique gives a better reflection of lateral distribution of reefs, and the seismic inversion impedance enables the identification of reef bodies’ development phases in the vertical direction, since AI (impedance) is petrophysically considered a tool for distinguishing the reef limestone and the clastic rocks within the formation (limestone exhibits a relatively high impedance than clastic rock). With this method, the existence of multiple phases of the Lower Permian reef-bank bodies along the eastern margin of the Pre-Caspian Basin has been confirmed. These reef-bank bodies are considered good subsalt exploration targets due to their lateral connectivity from south to north, large distribution range and large scale.

Quality management and accreditation of research tissue banks: experience of the National Center for Tumor Diseases (NCT) Heidelberg.

Science.gov (United States)

Herpel, Esther; Röcken, Christoph; Manke, Heike; Schirmacher, Peter; Flechtenmacher, Christa

2010-12-01

Tissue banks are key resource and technology platforms in biomedical research that address the molecular pathogenesis of diseases as well as disease prevention, diagnosis, and treatment. Due to the central role of tissue banks in standardized collection, storage, and distribution of human tissues and their derivatives, quality management and its external assessment is becoming increasingly relevant for the maintenance, acceptance, and funding of tissue banks. Little experience exists regarding formalized external evaluation of tissue banks, especially regarding certification and accreditation. Based on the accreditation of the National Center of Tumor Diseases (NCT) tissue bank in Heidelberg (Germany), criteria, requirements, processes, and implications were compiled and evaluated. Accreditation formally approved professional competence and performance of the tissue bank in all steps involved in tissue collection, storage, handling as well as macroscopic and histologic examination and final (exit) examination of the tissue and transfer supervised by board-certified competent histopathologists. Thereby, accreditation provides a comprehensive measure to evaluate and document the quality standard of tissue research banks and may play a significant role in the future assessment of tissue banks. Furthermore, accreditation may support harmonization and standardization of tissue banking for biomedical research purposes.

A proposed model of e-trust for electronic banking

Directory of Open Access Journals (Sweden)

Neda Yousefi

2015-11-01

Full Text Available Customer’s trust is the most important and one of the key factors of success in e-commerce. However, trust is the essential aspects of e-banking adoption and the main element for building long-term relationships with the bank's customers. So the purpose of this research is to investigate the factors influencing on customer′s trust in e-banking services and prioritize them. Therefore, designed questionnaire was distributed among 177 electronic service customers in number of banks in the city of Karaj, Iran. Likert quintuplet scales were used to measure the variables. After collecting the questionnaires, the data were analyzed by structural equation modeling (by using LISREL 8.5. The results revealed that quality of electronic services such as ease of use, privacy and security, individual characteristics of customers such as disposition to trust and features of bank such as reputation, size and dependence on government, have had the greatest effect on customer′s trust in e-banking services.

Multi-tiered S-SOA, Parameter-Driven New Islamic Syariah Products of Holistic Islamic Banking System (HiCORE): Virtual Banking Environment

Science.gov (United States)

Halimah, B. Z.; Azlina, A.; Sembok, T. M.; Sufian, I.; Sharul Azman, M. N.; Azuraliza, A. B.; Zulaiha, A. O.; Nazlia, O.; Salwani, A.; Sanep, A.; Hailani, M. T.; Zaher, M. Z.; Azizah, J.; Nor Faezah, M. Y.; Choo, W. O.; Abdullah, Chew; Sopian, B.

The Holistic Islamic Banking System (HiCORE), a banking system suitable for virtual banking environment, created based on universityindustry collaboration initiative between Universiti Kebangsaan Malaysia (UKM) and Fuziq Software Sdn Bhd. HiCORE was modeled on a multitiered Simple - Services Oriented Architecture (S-SOA), using the parameterbased semantic approach. HiCORE's existence is timely as the financial world is looking for a new approach to creating banking and financial products that are interest free or based on the Islamic Syariah principles and jurisprudence. An interest free banking system has currently caught the interest of bankers and financiers all over the world. HiCORE's Parameter-based module houses the Customer-information file (CIF), Deposit and Financing components. The Parameter based module represents the third tier of the multi-tiered Simple SOA approach. This paper highlights the multi-tiered parameter- driven approach to the creation of new Islamiic products based on the 'dalil' (Quran), 'syarat' (rules) and 'rukun' (procedures) as required by the syariah principles and jurisprudence reflected by the semantic ontology embedded in the parameter module of the system.

Usability Analysis of Online Bank Login Interface Based on Eye Tracking Experiment

Directory of Open Access Journals (Sweden)

Xiaofang YUAN

2014-02-01

Full Text Available With the rapid development of information technology and rapid popularization of online banking, it is used by the more and more consumers. Studying on the usability of online banking interface, improving the user-friendliness of web interface, and enhancing attraction of bank website, which have gradually become the basic network marketing strategy of the banks. Therefore, this study took three banks as an example to record subjects’’ eye tracking data of time to first fixation, fixation duration and blink count and so on by using Tobii T60XL Eye Tracking equipment, while they login online banking web interface, and analyzed that the factors of webpage layout, colors, the amount of information presentation which impacts on the usability of online banking login interface. The results shows that the login entry, account login information and other key control buttons should be placed in the upper left corner to quickly lock the target, and the interface should have a moderate amount of information presentation, the appropriate proportion, reasonable font size settings, harmonious, simple, and warmth design style.

MARKETING AND INNOVATION IN ENVIRONMENT BANKING FINANCIAL - REQUIREMENTS IN A KNOWLEDGE-BASED SOCIETY AND TECHNOLOGY

Directory of Open Access Journals (Sweden)

MIRCEA VALERIA ARINA

2015-04-01

Full Text Available In the context of knowledge-based economy and society has acquired a connotation marketing role vital for all fields. Evolution of social, cultural, political and economic, information, design and conduct of marketing activities contribute to increasing the efficiency of any institution. Evolution of marketing over time provoked the great researchers who have tried to define the concept of their views, but only surprising aspects of this vast and important field. The definitions are different as shown in the article approach, the essence is the same. In the banking and financial role of marketing is to continually improve the quality of customer services and products offered by formulating appropriate marketing strategies so as to be able to influence The consumer buying behavior. Customer focus, his loyalty and not least an innovative marketing that starts at the client key aspects FEATURES today. The emphasis on innovation and ingenuity in order to: create new banking services and products, ways to attract customers; loyalty of existing ones, defining marketing and communication strategies lead to appropriate strategies to maximize the results of innovative marketing campaigns. Referring to work in the banking environment we can say that innovation is the key to success BANK and are based on: product and service innovations, process innovations, organizational innovations, and not least of marketing innovations.

Capital Regulation and Bank Risk-Taking Behavior: Evidence from Pakistan

Directory of Open Access Journals (Sweden)

Badar Nadeem Ashraf

2016-08-01

Full Text Available In response to the global financial crisis of 2007–2009, risk-based capital requirements have been reinforced in the new Basel III Accord to counter excessive bank risk-taking behavior. However, prior theoretical as well as empirical literature that studies the impact of risk-based capital requirements on bank risk-taking behavior is inconclusive. The primary purpose of this paper is to examine the impact of risk-based capital requirements on bank risk-taking behavior, using a panel dataset of 21 listed commercial banks of Pakistan over the period 2005–2012. Purely regulatory measures of bank capital, capital adequacy ratio, and bank assets portfolio risk, risk-weighted assets to total assets ratio, are used for the main analysis. Recently developed small N panel methods (bias corrected least squares dummy variable (LSDVC method and system GMM method with instruments collapse option are used to control for panel fixed effects, dynamic dependent variables, and endogenous independent variables. Overall, the results suggest that commercial banks have reduced assets portfolio risk in response to stringent risk-based capital requirements. Results also confirm that all banks having risk-based capital ratios either lower or higher than the regulatory required limits, have decreased portfolio risk in response to stringent risk-based capital requirements. The results are robust to alternative proxies of bank risk-taking, alternative estimation methods, and alternative samples.

Accountability of central banks: aspects and quantification

Directory of Open Access Journals (Sweden)

J. DE HAAN

1999-06-01

Full Text Available The work examines the relationship between central bank independence and accountability. The authors do this by using an indicator for central bank accountability based on the laws of 16 central banks. Central bank accountability is identified as having three distinct features, namely, the explicit definition and ranking of the objectives of monetary policy, the transparency of the actual monetary policy, and the final responsibility to monetary policy.

Nutritional quality and price of food hampers distributed by a campus food bank: a Canadian experience.

Science.gov (United States)

Jessri, Mahsa; Abedi, Arvin; Wong, Alexander; Eslamian, Ghazaleh

2014-06-01

Food insecurity is a mounting concern among Canadian post-secondary students. This study was conducted to evaluate the content of food hampers distributed by University of Alberta Campus Food Bank (CFB) and to assess the cost savings to students, using these hampers. Contents of hampers distributed among 1,857 students and their dependants since 2006 were evaluated against Canada's Food Guide (CFG) recommendations and Dietary Reference Intakes (DRI). Hampers were aimed at serving university students and one to five members of their households located in Edmonton, Western Canada. One thousand eight hundred fifty-seven clients in Alberta, Canada, were included in the study. Although all hampers provided adequate energy, their fat and animal protein contents were low. Compared to the CFG recommendations, the requirements of milk and alternatives and meat and alternatives were not sufficiently met for clients using > or = 3-person hampers. None of food hampers (i.e. one- to five-person hampers) met the DRI recommendations for vitamin A and zinc. Clients of CFB received Canadian dollar (CN$) 14.88 to 64.3 worth of non-perishable food items in one- to five-person hampers respectively. Hampers provided from the CFB need improvement. Nutrients missing from the food hampers could be provided from fresh fruits, vegetables, dairy, and meat products; however, these foods are more expensive than processed food items. The CFB provides a significant amount of savings to its clients even without considering the additional perishable donations that are provided to clients. Interpretation of our data required the assumption that all clients were consuming all of their hampers, which may not always be the case. Clients that do not fully consume their hampers may benefit less from the food bank.

The effect of knowledge management on organizational innovation: Evidence from banking industry

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Ali Valipour

2017-11-01

Full Text Available Knowledge management is frequently identified as an important antecedent of innovation. However, few empirical studies have specifically addressed antecedents and consequences of effective knowledge management. Today, domestic organizations are compelled, as well as other international organizations and have to compete to stay in business environment. Hence, they must be innovative. The purpose of this study is to evaluate the effect of knowledge management on employee's innovation in organizations through empowerment as a mediator for a case study of the Agricultural Bank of Qazvin province of Iran. Required information was gathered by a self-made questionnaire adapted and based on conceptual model adapted from previous studies. The population of this study consists of 369 employees of the Agricultural Bank of Qazvin. A total of 200 questionnaires were distributed, in which 188 valid questionnaires were collected. These questionnaires were distributed randomly among the male and female employees in branches of Agricultural Bank. The questionnaire is conducted by factor analysis and the reliability is measured by Cronbach's alpha. The structural equation modeling is used for data analysis. The results reveal the fact that empowerment will lead to employee's innovation. However, other variables did not have any significant and direct or indirect effect on employee's innovation.

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

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Viholainen Ari

2006-01-01

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

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-.

A model of customer loyalty in the retail banking market

Directory of Open Access Journals (Sweden)

Hadi Hajiyan

2016-04-01

Full Text Available During the past two decades, there has been growing trend in Iranian banking industry due to change in banking regulations. Private sector has grown rapidly and there have been several new banks on the market, which has created very competitive market. Therefore, customer loyalty is the key factor for running a successful banking business and customer relationship management (CRM appears to be important for the success in this industry. The primary objective of this paper is to investigate the relationship between CRM and customer loyalty in one of the oldest Iranian banks named Bank Melli Iran. The proposed study prepares a questionnaire in Likert scale and distributes it among some regular customers of this bank. The preliminary results of this survey have indicated that consumer’s gender, age and educational background had no meaningful impact on quality of services. In other words, people with different personal characteristics expect the same quality of services from banking industry and there is a positive and meaningful relationship between quality of services and customer loyalty.

Migration Background Influences Consumption Patterns Based on Dietary Recommendations of Food Bank Users in Germany.

Science.gov (United States)

Stroebele-Benschop, Nanette; Depa, Julia; Gyngell, Fiona; Müller, Annalena; Eleraky, Laila; Hilzendegen, Carolin

2018-03-29

People with low income tend to eat less balanced than people with higher income. This seems to be particularly the case for people with migration background. This cross-sectional study examined the relation of consumption patterns of 597 food bank users with different migration background in Germany. Questionnaires were distributed assessing sociodemographic information and consumption patterns. Analyses were conducted using binary logistic regressions. Models were controlled for age, gender, type of household and education. The group of German food bank users consumed fewer fruits and vegetables and less fish compared to all other groups with migration background (former USSR, Balkan region, Middle East). A significant predictor for fruit and vegetable consumption was migration status. Participants from the former USSR consumed less often SSBs compared to the other groups. Dietary recommendations for low income populations should take into consideration other aspects besides income such as migration status.

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...

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 ...

The Quality of Private Monitoring in European Banking: Completing the Picture

OpenAIRE

Pop , Adrian; Pop , Diana

2012-01-01

The philosophy behind the debt market discipline approach to banking regulation presumes that the pricing of bank debt securities, if accurate, conveys reliable signals to supervisors. In this paper, we take a critical look at the feasibility of such an approach by exploring empirically the possibility that markets may price differently the risk profile of bank issuers along the empirical distribution of credit spread. The paper proposes a quantile regression framework to draw novel inference...

Declarative flow control for distributed instrumentation

Energy Technology Data Exchange (ETDEWEB)

Parvin, Bahram; Taylor, John; Fontenay, Gerald; Callahan, Daniel

2001-06-01

We have developed a 'microscopy channel' to advertise a unique set of on-line scientific instruments and to let users join a particular session, perform an experiment, collaborate with other users, and collect data for further analysis. The channel is a collaborative problem solving environment (CPSE) that allows for both synchronous and asynchronous collaboration, as well as flow control for enhanced scalability. The flow control is a declarative feature that enhances software functionality at the experimental scale. Our testbed includes several unique electron and optical microscopes with applications ranging from material science to cell biology. We have built a system that leverages current commercial CORBA services, Web Servers, and flow control specifications to meet diverse requirements for microscopy and experimental protocols. In this context, we have defined and enhanced Instrument Services (IS), Exchange Services (ES), Computational Services (CS), and Declarative Services (DS) that sit on top of CORBA and its enabling services (naming, trading, security, and notification) IS provides a layer of abstraction for controlling any type of microscope. ES provides a common set of utilities for information management and transaction. CS provides the analytical capabilities needed for online microscopy. DS provides mechanisms for flow control for improving the dynamic behavior of the system.

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.

NRC/RSR Data Bank Program

International Nuclear Information System (INIS)

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

1978-01-01

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

Lost fishing gear and litter at Gorringe Bank (NE Atlantic)

Science.gov (United States)

Vieira, Rui P.; Raposo, Isabel P.; Sobral, Paula; Gonçalves, Jorge M. S.; Bell, Katherine L. C.; Cunha, Marina R.

2015-06-01

Studies concerning marine litter have received great attention over the last several years by the scientific community mainly due to their ecological and economic impacts in marine ecosystems, from coastal waters to the deep ocean seafloor. The distribution, type and abundance of marine litter in Ormonde and Gettysburg, the two seamounts of Gorringe Bank, were analyzed from photo and video imagery obtained during ROV-based surveys carried out at 60-3015 m depths during the E/V Nautilus cruise NA017. Located approximately 125 nm southwest of Portugal, Gorringe Bank lays at the crossroad between the Atlantic and the Mediterranean and is therefore characterized by an intense maritime traffic and fishing activities. The high frequency of lost or discarded fishing gear, such as cables, longlines and nets, observed on Gorringe Bank suggests an origin mostly from fishing activities, with a clear turnover in the type of litter (mostly metal, glass and to a much lesser extent, plastic) with increasing depth. Litter was more abundant at the summit of Gorringe Bank (ca. 4 items·km- 1), decreasing to less than 1 item·km- 1 at the flanks and to ca. 2 items·km- 1 at greater depths. Nevertheless, litter abundance appeared to be lower than in continental margin areas. The results presented herein are a contribution to support further actions for the conservation of vulnerable habitats on Gorringe Bank so that they can continue contributing to fishery productivity in the surrounding region.

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

Quality Management Assessment Focus to Customers’ Satisfaction to Raiffeisen Bank Romania

Directory of Open Access Journals (Sweden)

Violeta DRAGOI

2013-12-01

Full Text Available Credit institutions have an important role in the economic and social development of a country because they represent the vital centers of an economic system, designed to identify the financial needs of the clients in order to cover them by creating and launching on market financial and banking products and services. In an bank, the marketing leaders must identify the products and services that meet the customer requirements, to upgrade financial and banking products and services, to create and launch new products and services on the market, to set up the adequate price, the way to promote and especially must find the most efficient distribution channels to make the products accessible to customers in the time they need. The paper gives an overview of main types of distribution channels used by Raiffeisen Bank in order to obtain a competitive advantage by providing personalized services in a timely and effective cost.

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-...

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

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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

Corporate governance and control in Russian banks

OpenAIRE

Vernikov, Andrei

2007-01-01

The Working Paper examines peculiarities of the Russian model of corporate governance and control in the banking sector. The study relies upon theoretical as well as applied research of corporate governance in Russian commercial banks featuring different forms of ownership. We focus on real interests of all stakeholders, namely bank and stock market regulators, bank owners, investors, top managers and other insiders. The Anglo-American concept of corporate governance, based on agency theor...

Materials information data bank

International Nuclear Information System (INIS)

Mead, K.E.

1978-03-01

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

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....

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

What Do a Million Observations on Banks Say about the Transmission of Monetary Policy?

OpenAIRE

Jeremy C. Stein; Anil K. Kashyap

2000-01-01

We study the monetary-transmission mechanism with a data set that includes quarterly observations of every insured U.S. commercial bank from 1976 to 1993. We find that the impact of monetary policy on lending is stronger for banks with less liquid balance sheets--i.e., banks with lower ratios of securities to assets. Moreover, this pattern is largely attributable to the smaller banks, those in the bottom 95 percent of the size distribution. Our results support the existence of a "bank lending...

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.

Numerical study on aerodynamics of banked wing in ground effect

Directory of Open Access Journals (Sweden)

Qing Jia

2016-03-01

Full Text Available Unlike conventional airplane, a WIG craft experiences righting moment and adverse yaw moment in banked turning in ground effect. Numerical simulations are carried out to study the aerodynamics of banked wing in ground effect. Configurations of rectangular wing and delta wing are considered, and performance of endplates and ailerons during banking are also studied. The study shows that righting moment increase nonlinearly with heeling angle, and endplates enhance the righting. The asymmetric aerodynamic distribution along span of wing with heeling angle introduces adverse yaw moment. Heeling in ground effect with small ground clearance increases the vertical aerodynamic force and makes WIG craft climb. Deflections of ailerons introduce lift decrease and a light pitching motion. Delta wing shows advantage in banked turning for smaller righting moment and adverse yaw moment during banking.

ICT AND NIGERIAN BANKS REFORMS: ANALYSIS OF ANTICIPATED IMPACTS IN SELECTED BANKS

OpenAIRE

Osabuohien Evans S.C

2008-01-01

Banking has become highly Information Communication Technology (ICT) based and due to its intersectoral link, is reaping the benefits of technological revolution as evidenced by its application in most of its operations. This study empirical analyzes the anticipated role ICT has in enhancing the operations of selected Nigerian banks in the light of current reforms. Primary data was employed, which was analyzed using cross-tabulations and regression technique built on the framework of technica...

THE EVOLVING COMPETITIVE DYNAMICS IN THE RETAIL BANKING SECTOR IN INDIA: A CASE STUDY OF KARNATAKA BANK

Directory of Open Access Journals (Sweden)

Krishnakumar RAMANATHAN

2016-08-01

Full Text Available The banking industry in India is going through a unique competitive situation: on the one hand, the proliferation of new banks has increased competition multi-fold; on the other hand, given the rigid regulatory environment, banks have very little liberty to innovate products. The entry of multinational banking giants with superior service operations has further amplified the competition for customers. This paper examines the business performance of Karnataka bank during the period between 2006 and 2014 in order to bring home some of these challenges. Based on feedback from the branch managers, savings and current accounts - two classic banking products – suffered the most in the onslaught. Practicing managers as well as customers that we interviewed held that banking services in terms of customer experience ought to be improved and that various value added services could be introduced. Customers also expected reduced penalty for minimum balance and enhanced insurance cover for their accounts.

32 CFR 231.5 - Procedures-domestic banks.

Science.gov (United States)

2010-07-01

.... 2667. Periodic reappraisals shall be based upon the fair market rental value exclusive of the... understand the potential loss of the building in the event of installation closure or other delimiting... shall encourage their conversion to independent or branch banks. (ii) Proposals from the on-base banking...

Quality system in Malaysian National Tissue Bank

International Nuclear Information System (INIS)

Go Boon Thong; Firdaus, M. N.; Abd Rani Shamsudin

1999-01-01

Quality System in Malaysian National Tissue Bank is based on the Quality Manual which has been drawn up by the chairman, who is the Dean, School of Medical Sciences. The Quality Manual include general standard for Tissue Banking in University Science of Malaysia which describe and explain a set of general standard similar to the EATB standard. The primary aim of the quality system is to produce a safe and effective tissue graft for successful clinical use and to ensure the safety of tissue bank operators. The Quality Manual also related the role of a Technical Manual, which explain the standard of technical aspect of tissue bank in a Quality Assurance. The safe working environment and Good Laboratory Practice is highlight in Quality System. Documentation of tissue bank activities is the key to the administration to tissue bank. Finally Quality System in tissue banking will never be complete without a Tissue Bank Auditing System which allow the tissue bank coordinator and staff to look into the problem and further enhance the progress of the tissue bank

From Subsidiary to Branch Organization of International Banks

DEFF Research Database (Denmark)

Goldberg, Lawrence; Sweeney, Richard J.; Wihlborg, Clas

2005-01-01

Nordea is the first major international bank planning to operate important host country activities in branches as the Second European banking directive envisions rather than as subsidiaries. Nordea is the result of mergers of roughly equal-size universal banks in four Nordic countries...... institutional foundations for substantial market discipline in banking. In particular, distress resolution and insolvency procedures for banks must be made rule based and credible for host country authorities to accept home country control....

The World Bank and Fragile States: Dynamics of Cooperation and Aid Structure

Directory of Open Access Journals (Sweden)

Solomatin A.

2018-03-01

Full Text Available The eradication of extreme poverty in fragile states is one of the central problems of global governance at the present time. Development of these states is hindered by instability, weak public and social institutions or ongoing conflicts and violence. The World Bank is a key partner of fragile states, which account for almost a third of the world’s population. This article is a continuation of research exploring the evolution of conceptual and practical approaches by the World Bank to cooperation with fragile states. Its methodology is based on a multilevel analysis of the securitization of foreign aid as proposed by J. Lind and J. Howell of the London School of Economics. The main focus of this examination is on the dynamics of the change of scale and structure of the World Bank’s aid to fragile states in comparison with global armed trends of providing aid to fragile states as well. This article concludes that statements about the priority of the Bank’s work in fragile states have not yet been realized in practice. The Bank remains committed to the standard approach to working with this group of recipients, which involves serious risks. The World Bank leans toward supporting projects in fragile states which increases volatility and reduces aid predictability. This trend undermines the development potentials of recipient states. Attention is drawn to political factors influencing aid flows to fragile states and particularly to the tendency of increasing the share of aid provided to fragile states through multi donor trust funds rather than through the mechanisms of the International Development Association (IDA. This trend indicates that the Bank is no longer a central point of aid distribution to the recipients, pointing to the lack of trust of donor states in the existing mechanisms and rules of aid distribution. It also reveals the expanding role of donors’ strategic interests in the process of choosing recipients of World Bank aid.

A review of human milk banking and public health policy in Australia.

Science.gov (United States)

Lording, Roslyn J

2006-11-01

Breastmilk is the perfect food for human infants. It is markedly different from, and uniquely superior to, artificial baby milk. Human milk banks are services which collect, screen, process and distribute donated breastmilk. Recipients are generally ill and premature infants whose mothers are unable to breastfeed them. This review of human milk banking in Australian public health policy draws from local and international research. This history of human milk banking and contemporary Australian policies, pertaining to breastfeeding and milk banking, are examined. Human milk banking is noted to be largely invisible from national breastfeeding policies. The barriers to establishing human milk banks in the Australian context are explored. Strategies which have helped generate support for human milk banking are discussed. International research has demonstrated the cost-effectiveness of banked donor milk. It is time for human milk banking to become an integral component of Australian breastfeeding policies, viewed as one of several initiatives to protect and support breastfeeding.

MEASURING CONSUMER-BASED BRAND EQUITY - EVIDENCE FROM ALBANIAN BANKING SECTOR

Directory of Open Access Journals (Sweden)

Shpëtim ÇERRI

2012-01-01

Full Text Available Today brands and branding have gained a lot of attention among academics and practitioners as well, since they are considered crucial for the success of a company. The branding literature, however, has been more focused on goods branding, relatively neglecting the services branding. Branding equity in services, as an important concept of services branding, also has not received the deserved attention from academics and services companies’ managers.The study aims to measure the brand equity in services sector, since brand equity is very important for monitoring of the health of services brands. It has been focused in the banking sector, a well-developed and consolidated sector which employs hundreds of individuals and has a very important role in Albanian economy. Nine banks, which make up more than 98 per cent of the domestic market in banking services (according to the official data of the Bank of Albania, were chosen to be included in the study. 250 bank customers were interviewed, using direct interviews. After an extensive literature review about the branding and services branding, seven measures were chosen and used to measure the services brand equity. The findings of the study gave interesting insights about services branding equity and services branding in general. It has important and useful implications for banks’ managers as well as for academics.

Technological innovations in sales of banking products

Directory of Open Access Journals (Sweden)

Semenyuta Оlga

2016-03-01

Full Text Available The article discusses the features of the remote client service related to the behavior of consumers of retail banking products in terms of the use of remote service channels. Analyze the level of awareness of the remote service channels and barriers considered use of remote service channels on the acquisition of retail banking products based on the segmentation of consumer groups. Based on the findings developed proposals to promote remote service channels using banking products in the retail segment of consumers.

THE ETHICAL PRACTICES OF ISLAMIC BANKING: AN ANALYSIS FROM CUSTOMER SATISFACTION PERSPECTIVE

Directory of Open Access Journals (Sweden)

Azharsyah Ibrahim

2017-06-01

Full Text Available This study aims to investigate the level of customer satisfaction as a result of the Islamic Work Ethics (IWE implementation in Islamic banks in Aceh, Indonesia. Specifically, it examines the difference in perceiving satisfaction among customers of Islamic Commercial Banks (ICB, Islamic Business Units (IBU, and Islamic Rural Banks (IRB. The study incorporated a quantitative method which was employed through questionnaire surveys that were distributed to 600 respondents of seven Islamic banks. The data were then analyzed using descriptive and inferential analyses in SPSS. The findings revealed that in general, the customers have shown a high satisfaction on the IWE practiced in Islamic banking institutions. Particularly, the ICB scored the highest satisfaction level compared to the other banking categories.

Operational Risk Measurement of Chinese Commercial Banks Based on Extreme Value Theory

Science.gov (United States)

Song, Jiashan; Li, Yong; Ji, Feng; Peng, Cheng

The financial institutions and supervision institutions have all agreed on strengthening the measurement and management of operational risks. This paper attempts to build a model on the loss of operational risks basing on Peak Over Threshold model, emphasizing on weighted least square, which improved Hill’s estimation method, while discussing the situation of small sample, and fix the sample threshold more objectively basing on the media-published data of primary banks loss on operational risk from 1994 to 2007.

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

Directory of Open Access Journals (Sweden)

M. Salih KUMAŞ

2016-04-01

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

Membangun Customer Loyalty Nasabah Bank melalui Customer Satisfaction

OpenAIRE

Sumarto, Sumarto

2007-01-01

In the relation between bank and its customer, the bank should to capable to fulfill need and satisfy through services and create the value to the customer. So in the compete situation, to give customer satisfaction is main duty of bank in order that the customer loyal permanently. The customer satisfaction is primary cause for building customer loyalty. More and more loyal customer to the bank, that's indicate the service superiority of its bank. Base description above this research purpose...

Effects of Capcitor Bank on Fault Ride Through Capibility of Induction Generator Based Wind Turbines

DEFF Research Database (Denmark)

Hu, Y; Chen, Zhe

2010-01-01

power system stability and supply security. Some existing wind turbines are still based on fixed speed induction generators, the effects of capacitor bank on such generators are discussed in this paper. The simulation study shows the capacitor bank may costeffectively improve the dynamic performance......Wind turbine installation is increasing rapidly. In some networks, wind power penetration is significantly high and the performance of wind turbine plays an important role in power system operation and control. Especially, the behavior of wind turbines during a power system disturbance would affect...

Calculation of X-ray scattering curves and electron distance distribution functions of biological macromolecules in solution using the PROTEIN DATA BANK

International Nuclear Information System (INIS)

Mueller, J.J.; Friedrichowicz, E.; Nothnagel, A.; Wunderlich, T.; Ziehlsdorf, E.; Damaschun, G.

1983-01-01

The wide angle X-ray scattering curve, the electron distance distribution function and the solvent excluded volume of a macromolecule in solution are calculated from the atomic coordinates contained in the PROTEIN DATA BANK. The structures and the projections of the excluded volumes are depicted using molecule graphic routines. The described computer programs are used to determine the three-dimensional structure of macromolecules in solution from wide angle X-ray scattering data. (author)

A Study of Supervision of China's Commercial Banks from the Perspective of the Trinity-Characteristics of Bank Supervision System

Institute of Scientific and Technical Information of China (English)

LV Jianglin; HUANG Guang

2015-01-01

Based on the theoretical analysis,this paper applies the entropy method to establish a comprehensive index system for the evaluation of the overall level of risk control and comprehensive efficiency of the supervision of China's commercial banks.Considering the trinity-characteristics of bank supervision system consisting of the People's Bank of China(PBC),the CBRC and the financial offices of local governments,the following conclusions have been drawn:the amount of penalties on banking illegal transactions is not correlated with the supervision efficiency of China's commercial banks;the capital adequacy ratio,the loan to deposit ratio,the percentage point of the non-performing loan rate of urban commercial banks higher than that of the national joint-stock banks are negatively correlated with the supervision efficiency of China 's commercial banks;the total asset variation of the PBC and the different loan balance in local and foreign currency of the banks are positively correlated with the supervision efficiency of China's commercial banks,but the effect is minor.Therefore,China should give the capital adequacy ratio a full play in the bank supervision,accelerate the construction of supervision information system and improve the supervision function of the local governments.

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...

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.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

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V. E. Gladkova

2011-01-01

Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

Investigating the effects of strategic positioning for development of modern banking services

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Vahid Anvar Keivi

2014-05-01

Full Text Available During the past few years, there have been tremendous changes on banking services and many bank customers are able to do their daily banking activities using recent advances of technology such as internet banking, telephone banking, etc. In this paper, we present an empirical investigation on the effects of strategic positioning for development of modern banking services. The proposed study designs a questionnaire in Likert scale and distributes it among some 385 randomly selected people who live in Tehran in 2013. The questionnaire consists of seven factors including property positioning, advantage positioning, consumer positioning, user positioning, competitive advantage positioning, quality positioning and merchandise category positioning. Using Spearman correlation as well as stepwise regression technique, the study has determined positive and meaningful relationships between different components of strategy positioning development of modern banking services.

Interpreting the cross-sectional flow field in a river bank based on a genetic-algorithm two-dimensional heat-transport method (GA-VS2DH)

Science.gov (United States)

Su, Xiaoru; Shu, Longcang; Chen, Xunhong; Lu, Chengpeng; Wen, Zhonghui

2016-12-01

Interactions between surface waters and groundwater are of great significance for evaluating water resources and protecting ecosystem health. Heat as a tracer method is widely used in determination of the interactive exchange with high precision, low cost and great convenience. The flow in a river-bank cross-section occurs in vertical and lateral directions. In order to depict the flow path and its spatial distribution in bank areas, a genetic algorithm (GA) two-dimensional (2-D) heat-transport nested-loop method for variably saturated sediments, GA-VS2DH, was developed based on Microsoft Visual Basic 6.0. VS2DH was applied to model a 2-D bank-water flow field and GA was used to calibrate the model automatically by minimizing the difference between observed and simulated temperatures in bank areas. A hypothetical model was developed to assess the reliability of GA-VS2DH in inverse modeling in a river-bank system. Some benchmark tests were conducted to recognize the capability of GA-VS2DH. The results indicated that the simulated seepage velocity and parameters associated with GA-VS2DH were acceptable and reliable. Then GA-VS2DH was applied to two field sites in China with different sedimentary materials, to verify the reliability of the method. GA-VS2DH could be applied in interpreting the cross-sectional 2-D water flow field. The estimates of horizontal hydraulic conductivity at the Dawen River and Qinhuai River sites are 1.317 and 0.015 m/day, which correspond to sand and clay sediment in the two sites, respectively.

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...

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

Developing a communication model between banking services quality via mediating variables of quality of relationship with customers and satisfaction with customer loyalty: A case study of Tejarat Bank

Directory of Open Access Journals (Sweden)

Hossein Rahimi Koloor

2015-03-01

Full Text Available This study develops a communication model. The purpose of this research was designing a regression model and developing a structural equation modeling (SEM for earning loyalty of Tejarat Bank customers. Given this concept, a questionnaire was designed and distributed among branches of Tejarat Bank in Ardabil. The data analyzed using LISREL software within the framework of path analysis using SEM model. Research results suggested that the quality of banking services, customer satisfaction, and the quality of bank relationship with customers had the most effects on customer loyalty, respectively. The findings of the study are discussed in detail.

Pattern Analysis On Banking Dataset

Directory of Open Access Journals (Sweden)

Amritpal Singh

2015-06-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

An empirical investigation on the effects of electronic banking on key customer relationship management

Directory of Open Access Journals (Sweden)

Kazem Chavoshi

2013-12-01

Full Text Available In recent years, there has been good progress on information and communication technology influencing businesses with a new emerging concept called customer relationship management (CRM and it has made significant changes in electronic banking. The primary objective of this paper is to survey electronic banking effects on key CRM components in one of Iranian banks in city of Tehran, Iran. The survey designs a questionnaire and distributes it among some experts in one of selected regions and the results are verified based on t-student and Freedman tests. Results show that all electronic banking services influence on CRM. In addition, that there are no significant differences among effects of electronic services on CRM but each CRM component has different effects on electronic services. In fact, according to freedman test, improving customer relationship process is the most important factor followed by providing appropriate service for each customer, providing appropriate service on appropriate time for each customer and providing appropriate service by appropriate channel for each customer.

Banking Integration in European Context

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Roxana Bădîrcea

2016-05-01

Full Text Available The integration of different states in a already existing union or in a new one represents a long-lasting process involving harmonisations on various fields – political, economic, legislative, social, cultural, technological, informational, etc. Besides the integration of the states and of the different authorities in a common mechanist, the business organizations also have to comply with certain standards and to align to certain procedures. The banking system is not an exception being probably one of the pillars of the economic and financial integration of a state in a union. Banking integration may be considered the process leading to a convergence towards a single market for all products, processes, procedures, standards, transactions from the banking field. All sets of standards, mechanisms and procedures should be observed both by banks, regulation and control bodies, but also by customers. Only in this way one can create the premises for the most favourable banking transactions. The integration of the banking system in a union is determined, conditioned and influenced by a series of factors. Based on the data published by the Bank for International Settlements, the authors carry out a close and pertinent empirical analysis of the banking assets flows between the Eurozone countries in the period 2000-2014. The paper also deals with the commitments that the recent economic-financial crisis created on the banking assets flows. The authors resort to regression equations in order to demonstrate the connection between the effects of banking integration and various factors involved (the relative dimension of the country, the significance of the banks in the financial system, the Herfindhal index, the degree of concentration or dispersion of the property on banks, the degree of independence, the tradition of law. In order to measure the level of banking integration of the national bank systems, the indices we used are the degree of openness

Adaptability in CORBA: The Mobile Proxy Approach

DEFF Research Database (Denmark)

Aziz, B.; Jensen, Christian D.

2000-01-01

Adaptability is one of the most important challenges in modern distributed systems. It may be defined as the ease with which a software application satisfies the different system constraints and the requirements of users and other applications. Adaptability is needed because distributed systems a...

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Six Dimension Strategy As A Basis Of Banking Standard Contract

Directory of Open Access Journals (Sweden)

Wulanmas Frederik

2012-01-01

Full Text Available Indonesia banking based on Article 4 of Act No.10, 1998, aims at supporting the implementation of national development in order to improve equity, economic growth and national stability in the direction of improving people’s welfare. Therefore, to show how important is banking role in supporting the implementation of development, the 6 (six Strategic Dimensions as the foundation of Banking Standards Contract are: (1. Prudent Banking Supervision and Good Corporate Governance (GCG in banking activities, (2. Refunctionalization the principle of Contract Law in Banking Standards Contract, (3. Ethics Value in Business, (4. The Act No. 8, 1999 on Consumer Protection, (5. Enforcement of Human Rights Principles in banking activities, (6. Abuse of Circumstances implementations (Misbruik van Omstandigheden in banking Contract. Based on the 6 (six Strategic Dimension as the foundation of Banking Standard Contract, it will undoubtedly create justice, equity and assurance of the rights and obligations of the parties framed in the contractual and law bonds.

Case Study of Online Banking in India: User Behaviors and Design Guidelines

Science.gov (United States)

Iyengar, Jhumkee; Belvalkar, Manisha

This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users' outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. Design lessons suggest viewing online banking not just as a convenience alone anymore but beyond it, to provide service, simplicity and security. This will create satisfied online banking customers and therefore profitability for the bank.

Selecting the best bank that offered Islamic personal loan package by using consistent fuzzy preference relations (CFPR)

Science.gov (United States)

Kadir, Norhidayah A.; Sarudin, Ezzah Suraya; Hamid, Fairus; Shamsuddin, Nor Diyana Ahmad

2014-10-01

There are various thoughts and opinions when it comes to how people think of their selected banks. Therefore, to choose the best bank with a good personal loan package can be a bit tricky especially for first time customer. This research offers a guide in choosing the right bank for applying personal loan package by highlighting the important criteria that applicants should take into consideration. In order to cater the problem above, we used Consistent Fuzzy Preference Relations (CFPR). Based on expert and public opinions, the important criteria in selecting an Islamic personal loan package are interest rate, tenure of loan, processing period and security of the loan. We developed questionnaire with the criteria mention earlier and distributed it among academic staffs and non academic staffs at Faculty of Computer and Mathematical Sciences (FSKM), UiTM Shah Alam. Based on the questionnaire, we found that four banks have been selected for multiple reasons. Before we could determine the best bank, calculations are divided into 2 phases which are criteria weights determination and ranking of alternatives. We implemented these phases to get the aggregation result and to obtain the ranking in descending order. As a result, our objectives have been achieved. As a conclusion, CFPR can help others in the decision making process.

Particle Swarm Optimization Algorithm for Optimizing Assignment of Blood in Blood Banking System

Science.gov (United States)

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

2015-01-01

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

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

Science.gov (United States)

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

2015-01-01

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

BANKING MODELS TO DETERMINE THE CREDITWORTHINESS

Directory of Open Access Journals (Sweden)

Viorica IOAN

2013-11-01

Full Text Available In the current economic situation, the issue of the bank risk management is becoming more present, and the notion of "risk" gets increasingly complicated and controversial meanings.Credit analysis implies, the bank, based on information provided by the accounting documents provided by the client and relevant information from different sources to assess whether the client has the creditworthiness needed for credit, if he has the capacity to pay their debts and to assume them by signing the credit.Thus, the bank aims to limit the maximum exposure to credit risk. Given the complexity of risks in banking activity, customer creditworthiness is an important area of research and application. We considered extremely important in analyzing the creditworthiness of customers both lending decision and determining banking and financial performance, focusing on the relationship risk-banking performance. This relationship is relavant for a trader whose specific activity involves a degree of risk in proportion to the potential gain from the operation undertaken.

Multicriterial ranking approach for evaluating bank branch performance

NARCIS (Netherlands)

Aleskerov, F; Ersel, H; Yolalan, R

14 ranking methods based on multiple criteria are suggested for evaluating the performance of the bank branches. The methods are explained via an illustrative example, and some of them are applied to a real-life data for 23 retail bank branches in a large-scale private Turkish commercial bank.

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

Multirate Filter Bank Representations of RS and BCH Codes

Directory of Open Access Journals (Sweden)

Van Meerbergen Geert

2008-01-01

Full Text Available Abstract This paper addresses the use of multirate filter banks in the context of error-correction coding. An in-depth study of these filter banks is presented, motivated by earlier results and applications based on the filter bank representation of Reed-Solomon (RS codes, such as Soft-In Soft-Out RS-decoding or RS-OFDM. The specific structure of the filter banks (critical subsampling is an important aspect in these applications. The goal of the paper is twofold. First, the filter bank representation of RS codes is now explained based on polynomial descriptions. This approach allows us to gain new insight in the correspondence between RS codes and filter banks. More specifically, it allows us to show that the inherent periodically time-varying character of a critically subsampled filter bank matches remarkably well with the cyclic properties of RS codes. Secondly, an extension of these techniques toward the more general class of BCH codes is presented. It is demonstrated that a BCH code can be decomposed into a sum of critically subsampled filter banks.

Multirate Filter Bank Representations of RS and BCH Codes

Directory of Open Access Journals (Sweden)

Marc Moonen

2009-01-01

Full Text Available This paper addresses the use of multirate filter banks in the context of error-correction coding. An in-depth study of these filter banks is presented, motivated by earlier results and applications based on the filter bank representation of Reed-Solomon (RS codes, such as Soft-In Soft-Out RS-decoding or RS-OFDM. The specific structure of the filter banks (critical subsampling is an important aspect in these applications. The goal of the paper is twofold. First, the filter bank representation of RS codes is now explained based on polynomial descriptions. This approach allows us to gain new insight in the correspondence between RS codes and filter banks. More specifically, it allows us to show that the inherent periodically time-varying character of a critically subsampled filter bank matches remarkably well with the cyclic properties of RS codes. Secondly, an extension of these techniques toward the more general class of BCH codes is presented. It is demonstrated that a BCH code can be decomposed into a sum of critically subsampled filter banks.

Brand building process of banking services

Directory of Open Access Journals (Sweden)

Filipović V.

2006-01-01

Full Text Available Changes related to competitive surroundings, legislation, and use of technology in banking business created new challenges for the managers in banking sector and emphasized the importance of brand building in the field of financial services. The need for financial institutions to manage its users in a way that provides them satisfaction, two-way communication and trust developing into loyalty was created. Regarding the research methodology, it is important to emphasize that the main discussion related to the purpose of research is to determine, improve, and better comprehend the main problems appearing in the process of brand building of banking services on the Belgrade market from the users standpoint. In order to realize the established purpose of the research, answers to the following research questions shall be provided: 1 Which problems in communication with the users are important for bank brand building?, 2 In what way do users see the image and personality of a bank? 3 In which way does brand of the origin of a bank influence the choice of users for the banking services? And 4 In which way the strategy of communication in the process of brand building of banking services can be improved? The quantitative approach to the research has been used. This study is based on the research procedure of surveys and data collection through a questionnaire, as an instrument in the research which was given to the adult citizens on the territory of the city of Belgrade. Statistic treatment of the data was conducted by using the SPSS software. The results are presented by using the combined techniques: in written form, in tables and graphs. So, the basic conclusions would be such as: after the marketing research on how banks carry on the processes of brand building was conducted, certain conclusions could be drawn from it: It is very important for a client to be involved in the process of brand building. By taking into consideration the criteria based on

Digital disruption of the banking industry: Threat or opportunity?

OpenAIRE

Krstić Nataša; Tešić Dejan

2016-01-01

If the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector...