Green financing - Are European banks and insurers contributing?

International Nuclear Information System (INIS)

Kamelgarn, Yona; Blanc, Dominique

2015-02-01

The analysis of the public communication of the 32 largest banking and insurance groups led to the following observations. Awareness of the role of the financial sector in the transition to a low-carbon economy has grown since 2012, and companies are increasingly conducting environmental risk analysis. But these practices are more akin to risk management policies - initiated to limit exposure to the most controversial projects - than to real reallocation strategies contributing to the transition to a low-carbon economy. Information on green financing is developing but focuses more on image than on business activities. The companies in the sample are communicating more on their green financing, and in particular on their contribution to renewable energy projects. But the indicators are very heterogeneous, are not monitored over time and cannot be compared between companies. Generally speaking, banks and insurers have not committed to increase their allocations to green financing and fail to discuss the financing of fossil fuels. Information on environmental and social risk management policies is becoming more structured. Process consists in introducing sector-based policies, setting forth minimum standards below which companies do not invest, notably in the energy sector, as well as developing environmental and social (ES) risk analysis tools for transactions. Analyses theoretically encompass the environmental impact of financed activities, but little information exists on the type of criteria used. These practices, developed initially for project finance, have since been extended to other banking activities and, more recently, to insurance activities. Reporting on the environmental impact of financed products remains rudimentary. Over three-quarters of the companies in the sample acknowledge the environmental responsibility stemming from their business activities, but measures continue to focus on the impact of premises and business travel. While almost all the

Is Green Regulation Effective or a Failure: Comparative Analysis between Bangladesh Bank (BB Green Guidelines and Global Reporting Initiative Guidelines

Directory of Open Access Journals (Sweden)

Md. Abdul Kaium Masud

2018-04-01

Full Text Available Green reporting and green regulation have been commonly used in the sustainability movement. This study evaluates Bangladesh Bank’s (BB’s green regulation by considering the global reporting initiative (GRI of environmental regulation along with self-determined content to justify BB’s institutional effort in the banking sector. The analytical study has considered secondary data of all listed banks on the Dhaka Stock Exchange between 2013 to 2016. A multi-theoretical framework has been adopted in which the research is comprised of institutional, stakeholder, and legitimacy theories. Considering the analytical research, we have drawn-up a green reporting score and undertaken SWOT analysis. The results of the study have identified the narrow coverage of BB’s regulation and strategic limitations. Moreover, the findings of the study show that banking companies disclosed more green information in line with BB’s regulation. Furthermore, our analysis has found the lack of transparency of green reporting in terms of absent global reporting as well as external verification. Additionally, we have documented that BB’s regulation falls into a legitimacy threat owing to political, corporate, and social responsibility. Therefore, we concluded that for BB to overcome all possible weaknesses and threats, it should consider all possible opportunities for a holistic international reporting framework while taking into account a transparent financial sector.

Quantum KAM technique and Yang endash Mills quantum mechanics

International Nuclear Information System (INIS)

Halperin, I.

1995-01-01

We study a quantum analogue of the iterative perturbation theory by Kolmogorov used in the proof of the Kolmogorov endash Arnold endash Moser (KAM) theorem. The method is based on sequent canonical transformations with a open-quote open-quote running close-quote close-quote coupling constant λ, λ 2 , λ 4 , etc. The proposed scheme, as its classical predecessor, is open-quote open-quote superconvergent close-quote close-quote in the sense that after the nth step, a theory is solved to the accuracy of order λ 2n-1 . It is shown that the Kolmogorov technique corresponds to an infinite resummation of the usual perturbative series. The corresponding expansion is convergent for the quantum anharmonic oscillator due to the fact that it turns out to be identical to the Pade series. The method is easily generalizable to many-dimensional cases. The Kolmogorov technique is further applied to a non-perturbative treatment of Yang endash Mills quantum mechanics. A controllable expansion for the wave function near the origin is constructed. For large fields, we build an asymptotic adiabatic expansion in inverse powers of the field. This asymptotic solution contains arbitrary constants which are not fixed by the boundary conditions at infinity. To find them, we approximately match the two expansions in an intermediate region. We also discuss some analogies between this problem and the method of QCD sum rules. Copyright copyright 1995 Academic Press, Inc

Mode conversion of fast Alfvacute en waves at the ion endash ion hybrid resonance

International Nuclear Information System (INIS)

Ram, A.K.; Bers, A.; Schultz, S.D.; Fuchs, V.

1996-01-01

Substantial radio-frequency power in the ion-cyclotron range of frequencies can be effectively coupled to a tokamak plasma from poloidal current strap antennas at the plasma edge. If there exists an ion endash ion hybrid resonance inside the plasma, then some of the power from the antenna, delivered into the plasma by fast Alfvacute en waves, can be mode converted to ion-Bernstein waves. In tokamak confinement fields the mode-converted ion-Bernstein waves can damp effectively and locally on electrons [A. K. Ram and A. Bers, Phys. Fluids B 3, 1059 (1991)]. The usual mode-conversion analysis that studies the propagation of fast Alfvacute en waves in the immediate vicinity of the ion endash ion hybrid resonance is extended to include the propagation and reflection of the fast Alfvacute en waves on the high magnetic-field side of the ion endash ion hybrid resonance. It is shown that there exist plasma conditions for which the entire fast Alfvacute en wave power incident on the ion endash ion hybrid resonance can be converted to ion-Bernstein waves. In this extended analysis of the mode conversion process, the fast Alfvacute en waves can be envisioned as being coupled to an internal plasma resonator. This resonator extends from the low magnetic-field cutoff near the ion endash ion hybrid resonance to the high magnetic-field cutoff. The condition for 100% mode conversion corresponds to a critical coupling of the fast Alfvacute en waves to this internal resonator. As an example, the appropriate plasma conditions for 100% mode conversion are determined for the Tokamak Fusion Test Reactor (TFTR) [R. Majeski et al., Proceedings of the 11th Topical Conference on RF Power in Plasmas, Palm Springs (American Institute of Physics, New York, 1995), Vol. 355, p. 63] experimental parameters. copyright 1996 American Institute of Physics

Observation of the bremsstrahlung generation in the process of the Rayleigh endash Taylor instability development at gas puff implosion

International Nuclear Information System (INIS)

Baksht, R.B.; Fedunin, A.V.; Labetsky, A.Y.; Rousskich, A.G.; Shishlov, A.V.

1997-01-01

The electron magnetohydrodynamic model predicts the appearance of anode endash cathode voltage in the process of Rayleigh endash Taylor instability development during gas puff implosions. The appearance of the anode endash cathode voltage should be accompanied by the accelerated electron flow and the generation of the bremsstrahlung radiation. Experiments with neon and krypton gas puffs were performed on the GIT-4 [S. P. Bugaev, et al., Plasma Sci. 18, 115 (1990)] generator (1.6 MA, 120 ns) to observe the bremsstrahlung radiation during the gas puff implosion. Two spikes of the bremsstrahlung radiation were observed in the experiments. The first spike is connected with the gas breakdown; the second one is connected with the final stage of the implosion. The development of the RT instabilities does not initiate the bremsstrahlung radiation, therefore, the absence of anode endash cathode voltage is demonstrated. copyright 1997 American Institute of Physics

A numerical study of three-dimensional bubble merger in the Rayleigh endash Taylor instability

International Nuclear Information System (INIS)

Li, X.L.

1996-01-01

The Rayleigh endash Taylor instability arises when a heavy fluid adjacent to a light fluid is accelerated in a direction against the density gradient. Under this unstable configuration, a perturbation mode of small amplitude grows into bubbles of the light fluid and spikes of the heavy fluid. Taylor discovered the steady state motion with constant velocity for a single bubble or periodic bubbles in the Rayleigh endash Taylor instability. Read and Youngs studied the motion of a randomly perturbed fluid interface in the Rayleigh endash Taylor instability. They reported constant acceleration for the overall bubble envelope. Bubble merger is believed to cause the transition from constant velocity to constant acceleration. In this paper, we present a numerical study of this important physical phenomenon. It analyzes the physical process of bubble merger and the relationship between the horizontal bubble expansion and the vertical interface acceleration. A dynamic bubble velocity, beyond Taylor close-quote s steady state value, is observed during the merger process. It is believed that this velocity is due to the superposition of the bubble velocity with a secondary subharmonic unstable mode. The numerical results are compared with experiments. copyright 1996 American Institute of Physics

Green Bank Lunar Interferometer for Neutrino Transients: GLINT

Energy Technology Data Exchange (ETDEWEB)

Langston, Glen I. [NRAO, P.O. Box 2, Green Bank, WV 24944 (United States)], E-mail: glangsto@nrao.edu; Bradley, Rich [NRAO, 520 Edgemont Rd, Charlottesville, VA 22901 (United States); Hankins, Tim [New Mexico Institute of Mining and Technology, 801 Leroy Place, Socorro, NM 87801 (United States); Mutel, Bob [University of Iowa, 706 Van Allen Hall, Iowa City, IA 52242 (United States)

2009-06-01

The Green Bank Lunar Interferometer for Neutrino Transients (GLINT) project is a wide band (0.3-2.6 GHz) interferometric radio array dedicated to observations of transient events. The target is detection of few bright (>2000Jy) short duration (few nano-second) pulses from the lunar regolith. The GLINT project has three goals: (1) Maximize detection of statistically significant pulses originating from the lunar surface. (2) Unambiguously differentiate neutrino pulses from other sources of interference. (3) Localize the direction of the incoming radio pulse resulting from neutrino interactions.

The Green Bank North Celestial Cap Pulsar Survey: New Pulsars and Future Prospects

Science.gov (United States)

Lynch, Ryan S.; Swiggum, Joe; Stovall, Kevin; Chawla, Pragya; DeCesar, Megan E.; Fonseca, Emmanuel; Levin, Lina; Cui, Bingyi; Kondratiev, Vlad; Archibald, Anne; Boyles, Jason; Hessels, Jason W. T.; Jenet, Fredrick; Kaplan, David; Karako-Argaman, Chen; Kaspi, Victoria; Martinez, Jose; McLaughlin, Maura; Ransom, Scott M.; Roberts, Mallory; Siemens, Xavier; Spiewak, Renee; Stairs, Ingrid; van Leeuwn, Joeri; Green Bank North Celestial Cap Survey Collaboration

2018-01-01

The Green Bank North Celestial Cap pulsar survey is the most successful low frequency pulsar survey ever. GBNCC uses the Green Bank telescope to cover the full visible sky at 350 MHz. With the survey over 70% complete, we have discovered over 150 pulsars, including 20 MSPs and 11 RRATs. I will report on the current status of the survey and plans for its completion in the coming years. I will also report on several discoveries including: timing solutions for dozens of new pulsars; new high precision MSPs and their suitability for inclusion in pulsar timing arrays; a new relativistic double neutron star system; new pulsar mass measurements; proper motion measurements for several MSPs; a new mode changing pulsar; interesting new MSP binaries; nulling fraction analyses; and possible implications of the lack of any fast radio bursts in the survey so far.

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

Science.gov (United States)

2007-07-01

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

Acceleration{endash}deceleration process of thin foils confined in water and submitted to laser driven shocks

Energy Technology Data Exchange (ETDEWEB)

Romain, J.P.; Auroux, E. [Laboratoire de Combustion et de Detonique (UPR 9028 CNRS), ENSMA, BP 109, Teleport 2, Chasseneuil du Poitou, 86960 Futuroscope Cedex (France)

1997-08-01

An experimental, numerical, and analytical study of the acceleration and deceleration process of thin metallic foils immersed in water and submitted to laser driven shocks is presented. Aluminum and copper foils of 20 to 120 {mu}m thickness, confined on both sides by water, have been irradiated at 1.06 {mu}m wavelength by laser pulses of {approximately}20ns duration, {approximately}17J energy, and {approximately}4GW/cm{sup 2} incident intensity. Time resolved velocity measurements have been made, using an electromagnetic velocity gauge. The recorded velocity profiles reveal an acceleration{endash}deceleration process, with a peak velocity up to 650 m/s. Predicted profiles from numerical simulations reproduce all experimental features, such as wave reverberations, rate of increase and decrease of velocity, peak velocity, effects of nature, and thickness of the foils. A shock pressure of about 2.5 GPa is inferred from the velocity measurements. Experimental points on the evolution of plasma pressure are derived from the measurements of peak velocities. An analytical description of the acceleration{endash}deceleration process, involving multiple shock and release waves reflecting on both sides of the foils, is presented. The space{endash}time diagrams of waves propagation and the successive pressure{endash}particle velocity states are determined, from which theoretical velocity profiles are constructed. All characteristics of experimental records and numerical simulations are well reproduced. The role of foil nature and thickness, in relation with the shock impedance of the materials, appears explicitly. {copyright} {ital 1997 American Institute of Physics.}

Argon Kα measurement on DIII endash D by Ross filters technique (abstract)

International Nuclear Information System (INIS)

Snider, R.T.; Bogatu, I.N.; Brooks, N.H.; Wade, M.R.

1999-01-01

Techniques to reduce the heat flux to the divertor plates in tokamak power plants and the consequent erosion of, and subsequent damage to the divertor target plates include the injection of impurities such as argon, that can dissipate the energy (through radiative or collisional processes) before it reaches the target plates. An important issue with this type of scheme is poisoning of the plasma core by the impurities introduced in the divertor region. Subsequently, there is a desire to measure the profiles of the injected impurities in the core. X-ray Ross filters with an effective narrow band pass centered on the argon Kα line at 3.2 keV, have been installed on two of the existing x-ray arrays on DIII endash D in order to help determine the argon concentration profiles. Emissivity profiles of the Kα lines and the emissivity profiles for the argon enhanced continuum can be inferred from the inverted filtered x-ray brightness signals if T e , n e , and Ar 18+ profiles are known. The MIST code is used to couple the filtered x-ray signals to the time dependent measurements of T e and n e . Further, the Ar 16+ profiles measured by charge transfer spectroscopy, are used as a constraint on the MIST code runs to calculate Ar 18+ profiles and unfold the argon emissivity profiles. A discussion of the Ross filters, the DIII endash D argon data, and the data analysis scheme for inferring argon emissivity profiles will be discussed. Estimates of the total argon concentration in the core determined from this technique in DIII endash D argon puff experiments will be presented. copyright 1999 American Institute of Physics

Analytic expressions for polarimetry in plasma with large Cotton endash Mouton or Faraday effects

International Nuclear Information System (INIS)

Segre, S.E.

1996-01-01

Analytic expressions for plasma polarimetry are derived for the case when either the Cotton endash Mouton effect or the Faraday effect is large while the other effect is small. copyright 1996 American Institute of Physics

Exact solutions of linearized Schwinger endash Dyson equation of fermion self-energy

International Nuclear Information System (INIS)

Zhou, B.

1997-01-01

The Schwinger endash Dyson equation of fermion self-energy in the linearization approximation is solved exactly in a theory with gauge and effective four-fermion interactions. Different expressions for the independent solutions, which, respectively, submit to irregular and regular ultraviolet boundary condition are derived and expounded. copyright 1997 American Institute of Physics

Ab initio investigation of the N2 endash HF complex: Accurate structure and energetics

International Nuclear Information System (INIS)

Woon, D.E.; Dunning, T.H. Jr.; Peterson, K.A.

1996-01-01

Augmented correlation consistent basis sets of double (aug-cc-pVDZ), triple (aug-cc-pVTZ), and modified quadruple zeta (aug-cc-pVQZ') quality have been employed to describe the N 2 endash HF potential energy surface at the Hartree endash Fock level and with single reference correlated wave functions including Mo/ller endash Plesset perturbation theory (MP2, MP3, MP4) and coupled cluster methods [CCSD, CCSD(T)]. The most accurate computed equilibrium binding energies D e are (with counterpoise correction) 810 cm -1 (MP4/aug-cc-pVQZ') and 788 cm -1 [CCSD(T)/aug-cc-pVQZ']. Estimated complete basis set limits of 814 cm -1 (MP4) and 793 cm -1 [CCSD(T)] indicate that the large basis set results are essentially converged. Harmonic frequencies and zero-point energies were determined through the aug-cc-pVTZ level. Combining the zero point energies computed at the aug-cc-pVTZ level with the equilibrium binding energies computed at the aug-cc-pVQZ' level, we predict D 0 values of 322 and 296 cm -1 , respectively, at the MP4 and CCSD(T) levels of theory. Using experimental anharmonic frequencies, on the other hand, the CCSD(T) value of D 0 is increased to 415 cm -1 , in good agreement with the experimental value recently reported by Miller and co-workers, 398±2 cm -1 . copyright 1996 American Institute of Physics

Green Bank Telescope Detection of HI Clouds in the Fermi Bubble Wind

Science.gov (United States)

Lockman, Felix; Di Teodoro, Enrico M.; McClure-Griffiths, Naomi M.

2018-01-01

We used the Robert C. Byrd Green Bank Telescope to map HI 21cm emission in two large regions around the Galactic Center in a search for HI clouds that might be entrained in the nuclear wind that created the Fermi bubbles. In a ~160 square degree region at |b|>4 deg. and |long|<10 deg we detect 106 HI clouds that have large non-circular velocities consistent with their acceleration by the nuclear wind. Rapidly moving clouds are found as far as 1.5 kpc from the center; there are no detectable asymmetries in the cloud populations above and below the Galactic Center. The cloud kinematics is modeled as a population with an outflow velocity of 330 km/s that fills a cone with an opening angle ~140 degrees. The total mass in the clouds is ~10^6 solar masses and we estimate cloud lifetimes to be between 2 and 8 Myr, implying a cold gas mass-loss rate of about 0.1 solar masses per year into the nuclear wind.The Green Bank Telescope is a facility of the National Science Foundation, operated under a cooperative agreement by Associated Universities, Inc.

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 ...

The structure and binding energy of K+endash ether complexes: A comparison of MP2, RI-MP2, and density functional methods

International Nuclear Information System (INIS)

Feller, D.; Apra, E.; Nichols, J.A.; Bernholdt, D.E.

1996-01-01

The structures and binding energies of several cation:ether complexes (K + :dimethyl ether, K + :dimethoxyethane, K + :12-crown-4 and K + :18-crown-6) were determined with second and fourth order perturbation theory using correlation consistent basis sets. Several of these are the largest correlated calculations yet attempted on crown ethers. The observed systematic convergence to the complete basis set limit provides a standard by which the accuracy of previous studies can be measured and facilitates the calibration of density functional methods. Recent Fouier transform ion cyclotron resonance experiments predicted K + :18-crown-6 binding energies which were significantly smaller than ab initio calculations. None of the potential sources of error examined in the present study were large enough to explain this difference. Although the 6-31+G* basis set used in an earlier theoretical study was smaller than the smallest of the correlation consistent basis sets, with suitable correction for basis set superposition error, it appears capable of yielding binding energies within several kcal/mol of the basis set limit. Perturbation theory calculations exploiting the open-quote open-quote resolution of the identity close-quote close-quote approximation were found to faithfully reproduce binding energies and conformational differences. Although the cation endash ether interaction is dominated by classical electrostatics, the accuracy of density functional techniques was found to be quite sensitive to the choice of functionals. The local density SVWN procedure performed well for binding energies and conformational differences, while underestimating K + O distances by up to 0.08 A. The gradient-corrected Becke endash Lee endash Yang endash Parr functional underestimated the K + :12c4 binding energy by 4 endash 7 kcal/mol or 15%. copyright 1996 American Institute of Physics

The Argus+ Project: Wide-field, high-resolution 3mm molecular imaging with the Green Bank Telescope

Science.gov (United States)

Lockman, Felix J.

2018-06-01

Argus+ is a large format radio camera system for the Green Bank Telescope (GBT) that will carry out high-fidelity spectroscopic mapping in the molecule-rich 3mm band. The project builds on the success of the prototype 16-pixel Argus 3mm receiver. Argus+ will be nine copies of Argus in a single dewer, with lower noise amplifiers, for an increase of a factor of ten in mapping speed. The Argus+ project includes a dedicated spectrometer and improvements to the GBT metrology that will more than double the amount of useful observing time at 3mm. With a footprint of 6'x6’, 144 pixels, an angular resolution of 6″ to 8″, and the sensitivity of a filled aperture, Argus+ will map fundamental transitions of important species over hundreds of square arc-min with a spatial dynamic range of 104 to 105. The Argus+ project includes two legacy surveys: a survey of molecules in the Gould Belt molecular clouds, and a survey of dense gas in nearby galaxies. These will be carried out by the scientific community and will be defined through a series of workshops. The Project has a strong educational component and will involve undergraduates at every stage. It will be incorporated into new and existing outreach programs, and will produce materials for the Green Bank Science Center. Argus+ will be operated as an open skies facility of the Green Bank Observatory, with the majority of its use being allocated through the normal proposal review process.

The Green Bank Northern Celestial Cap Pulsar Survey. II. The Discovery and Timing of 10 Pulsars

Science.gov (United States)

Kawash, A. M.; McLaughlin, M. A.; Kaplan, D. L.; DeCesar, M. E.; Levin, L.; Lorimer, D. R.; Lynch, R. S.; Stovall, K.; Swiggum, J. K.; Fonseca, E.; Archibald, A. M.; Banaszak, S.; Biwer, C. M.; Boyles, J.; Cui, B.; Dartez, L. P.; Day, D.; Ernst, S.; Ford, A. J.; Flanigan, J.; Heatherly, S. A.; Hessels, J. W. T.; Hinojosa, J.; Jenet, F. A.; Karako-Argaman, C.; Kaspi, V. M.; Kondratiev, V. I.; Leake, S.; Lunsford, G.; Martinez, J. G.; Mata, A.; Matheny, T. D.; Mcewen, A. E.; Mingyar, M. G.; Orsini, A. L.; Ransom, S. M.; Roberts, M. S. E.; Rohr, M. D.; Siemens, X.; Spiewak, R.; Stairs, I. H.; van Leeuwen, J.; Walker, A. N.; Wells, B. L.

2018-04-01

We present timing solutions for 10 pulsars discovered in 350 MHz searches with the Green Bank Telescope. Nine of these were discovered in the Green Bank Northern Celestial Cap survey and one was discovered by students in the Pulsar Search Collaboratory program during an analysis of drift-scan data. Following the discovery and confirmation with the Green Bank Telescope, timing has yielded phase-connected solutions with high-precision measurements of rotational and astrometric parameters. Eight of the pulsars are slow and isolated, including PSR J0930‑2301, a pulsar with a nulling fraction lower limit of ∼30% and a nulling timescale of seconds to minutes. This pulsar also shows evidence of mode changing. The remaining two pulsars have undergone recycling, accreting material from binary companions, resulting in higher spin frequencies. PSR J0557‑2948 is an isolated, 44 ms pulsar that has been partially recycled and is likely a former member of a binary system that was disrupted by a second supernova. The paucity of such so-called “disrupted binary pulsars” (DRPs) compared to double neutron star (DNS) binaries can be used to test current evolutionary scenarios, especially the kicks imparted on the neutron stars in the second supernova. There is some evidence that DRPs have larger space velocities, which could explain their small numbers. PSR J1806+2819 is a 15 ms pulsar in a 44-day orbit with a low-mass white dwarf companion. We did not detect the companion in archival optical data, indicating that it must be older than 1200 Myr.

An increase of structural order parameter in Fe endash Co endash V soft magnetic alloy after thermal aging

International Nuclear Information System (INIS)

Zhu, Q.; Li, L.; Masteller, M.S.; Del Corso, G.J.

1996-01-01

Alloys of Fe 49 Co 49 V 2 (Hiperco Alloy 50) (Hiperco is a registered trademark of CRS Holdings, Inc.), both annealed and thermally aged, were studied using anomalous synchrotron x-ray and neutron powder diffraction. Rietveld and diffraction profile analysis indicated both an increase in the structural order parameter and a small lattice expansion (∼0.0004 A) after aging at 450 degree C for 200 h. In addition, a cubic minority phase (<0.3%) was identified in the open-quote open-quote annealed close-quote close-quote sample, which increased noticeably (0.3%→0.8%) as a result of aging. The presence of antiphase domain boundaries in the alloys was also revealed. These results directly correlate with the observed changes in the magnetization behavior and challenge the notion that a open-quote open-quote fully close-quote close-quote ordered Fe endash Co alloy demonstrates optimum soft magnetic properties. copyright 1996 American Institute of Physics

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

Science.gov (United States)

2011-03-03

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

Non-negative Feynman endash Kac kernels in Schroedinger close-quote s interpolation problem

International Nuclear Information System (INIS)

Blanchard, P.; Garbaczewski, P.; Olkiewicz, R.

1997-01-01

The local formulations of the Markovian interpolating dynamics, which is constrained by the prescribed input-output statistics data, usually utilize strictly positive Feynman endash Kac kernels. This implies that the related Markov diffusion processes admit vanishing probability densities only at the boundaries of the spatial volume confining the process. We discuss an extension of the framework to encompass singular potentials and associated non-negative Feynman endash Kac-type kernels. It allows us to deal with a class of continuous interpolations admitted by general non-negative solutions of the Schroedinger boundary data problem. The resulting nonstationary stochastic processes are capable of both developing and destroying nodes (zeros) of probability densities in the course of their evolution, also away from the spatial boundaries. This observation conforms with the general mathematical theory (due to M. Nagasawa and R. Aebi) that is based on the notion of multiplicative functionals, extending in turn the well known Doob close-quote s h-transformation technique. In view of emphasizing the role of the theory of non-negative solutions of parabolic partial differential equations and the link with open-quotes Wiener exclusionclose quotes techniques used to evaluate certain Wiener functionals, we give an alternative insight into the issue, that opens a transparent route towards applications.copyright 1997 American Institute of Physics

The green bank northern celestial cap pulsar survey. I. Survey description, data analysis, and initial results

Energy Technology Data Exchange (ETDEWEB)

Stovall, K.; Dartez, L. P.; Ford, A. J.; Garcia, A.; Hinojosa, J.; Jenet, F. A.; Leake, S. [Center for Advanced Radio Astronomy, University of Texas at Brownsville, One West University Boulevard, Brownsville, TX 78520 (United States); Lynch, R. S.; Archibald, A. M.; Karako-Argaman, C.; Kaspi, V. M. [Department of Physics, McGill University, 3600 University Street, Montreal, QC H3A 2T8 (Canada); Ransom, S. M. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22901 (United States); Banaszak, S.; Biwer, C. M.; Day, D.; Flanigan, J.; Kaplan, D. L. [Physics Department, University of Wisconsin-Milwaukee, Milwaukee, WI 53211 (United States); Boyles, J. [Department of Physics and Astronomy, Western Kentucky University, Bowling Green, KY 42101 (United States); Hessels, J. W. T.; Kondratiev, V. I., E-mail: stovall.kevin@gmail.com [ASTRON, the Netherlands Institute for Radio Astronomy, Postbus 2, 7990 AA Dwingeloo (Netherlands); and others

2014-08-10

We describe an ongoing search for pulsars and dispersed pulses of radio emission, such as those from rotating radio transients (RRATs) and fast radio bursts, at 350 MHz using the Green Bank Telescope. With the Green Bank Ultimate Pulsar Processing Instrument, we record 100 MHz of bandwidth divided into 4096 channels every 81.92 μs. This survey will cover the entire sky visible to the Green Bank Telescope (δ > –40°, or 82% of the sky) and outside of the Galactic Plane will be sensitive enough to detect slow pulsars and low dispersion measure (<30 pc cm{sup –3}) millisecond pulsars (MSPs) with a 0.08 duty cycle down to 1.1 mJy. For pulsars with a spectral index of –1.6, we will be 2.5 times more sensitive than previous and ongoing surveys over much of our survey region. Here we describe the survey, the data analysis pipeline, initial discovery parameters for 62 pulsars, and timing solutions for 5 new pulsars. PSR J0214+5222 is an MSP in a long-period (512 days) orbit and has an optical counterpart identified in archival data. PSR J0636+5129 is an MSP in a very short-period (96 minutes) orbit with a very low mass companion (8 M{sub J}). PSR J0645+5158 is an isolated MSP with a timing residual RMS of 500 ns and has been added to pulsar timing array experiments. PSR J1434+7257 is an isolated, intermediate-period pulsar that has been partially recycled. PSR J1816+4510 is an eclipsing MSP in a short-period orbit (8.7 hr) and may have recently completed its spin-up phase.

Dynamic plasma screening effects on semiclassical inelastic electron endash ion collisions in dense plasmas

International Nuclear Information System (INIS)

Jung, Y.

1997-01-01

In dense plasmas, dynamic plasma screening effects are investigated on 1s→2p dipole transition probabilities for electron-impact excitation of hydrogenic ions. The electron endash ion interaction potential is considered by introduction of the plasma dielectric function. A semiclassical straight-line trajectory method is applied to the path of the projectile electron in order to visualize the semiclassical transition probability as a function of the impact parameter, projectile energy, and plasma parameters. The transition probability including the dynamic plasma screening effect is always greater than that including the static plasma screening effect. When the projectile velocity is smaller than the electron thermal velocity, the dynamic polarization screening effect becomes the static plasma screening effect. When the projectile velocity is greater than the electron thermal velocity, then the interaction potential is almost unshielded. The difference between the dynamic and static plasma screening effects is more significant for low-energy projectiles. It is also found that the static plasma screening formula obtained by the Debye endash Hueckel model overestimates the plasma screening effects on the atomic excitation processes in dense plasmas. copyright 1997 American Institute of Physics

Development of an EtherCAT enabled digital servo controller for the Green Bank Telescope

Science.gov (United States)

Whiteis, Peter G.; Mello, Melinda J.

2012-09-01

EtherCAT (Ethernet for Control Automation Technology) is gaining wide spread popularity in the automation industry as a real time field bus based on low cost, Ethernet hardware. EtherCAT maximizes use of 100Mbps Ethernet hardware by using a collision free ring topology, efficient Ethernet frame utilization (> 95%), and data exchange "on the fly". These characteristics enable EtherCAT to achieve Master to Slave node data exchange rates of > 1000 Hz. The Green Bank Telescope, commissioned in 2000, utilizes an analog control system for motion control of 8 elevation and 16 azimuth motors. This architecture, while sufficient for observations at frequencies up to 50GHz, has significant limitations for the current scientific goals of observing at 115GHz. Accordingly, the Green Bank staff has embarked on a servo upgrade project to develop a digital servo system which accommodates development and implementation of advanced control algorithms. This paper describes how the new control system requirements, use of existing infrastructure and budget constraints led us to define a distributed motion control architecture where EtherCAT real-time Ethernet was selected as the communication bus. Finally, design details are provided that describe how NRAO developed a custom EtherCAT-enabled motor controller interface for the GBT's legacy motor drives in order to provide technical benefits and flexibility not available in commercial products.

Electric field spikes formed by electron beam endash plasma interaction in plasma density gradients

International Nuclear Information System (INIS)

Gunell, H.; Loefgren, T.

1997-01-01

In the electron beam endash plasma interaction at an electric double layer the beam density is much higher than in the classical beam endash plasma experiments. The wave propagation takes place along the density gradient that is present at the high potential side of the double layer. Such a case is studied experimentally by injecting the electron beam from a plane cathode, without any grids suppressing the gradient, and by particle simulations. The high frequency field concentrates in a sharp open-quotes spikeclose quotes with a half width of the order of one wavelength. The spike is found to be a standing wave surrounded by regions dominated by propagating waves. It forms at a position where its frequency is close to the local plasma frequency. The spike forms also when the electric field is well below the threshold for modulational instability, and long before a density cavity is formed in the simulations. Particle simulations reveal that, at the spike, there is a backward traveling wave that, when it is strongly damped, accelerates electrons back towards the cathode. In a simulation of a homogeneous plasma without the density gradient no spike is seen, and the wave is purely travelling instead of standing. copyright 1997 American Institute of Physics

The Green Bank Ammonia Survey: Dense Cores under Pressure in Orion A

Energy Technology Data Exchange (ETDEWEB)

Kirk, Helen; Di Francesco, James [NRC Herzberg Astronomy and Astrophysics, 5071 West Saanich Rd, Victoria, BC, V9E 2E7 (Canada); Friesen, Rachel K. [Dunlap Institute for Astronomy and Astrophysics, University of Toronto, 50 St. George St., Toronto, Ontario M5S 3H4 (Canada); Pineda, Jaime E.; Caselli, Paola; Alves, Felipe O.; Chacón-Tanarro, Ana; Punanova, Anna [Max-Planck-Institut für extraterrestrische Physik, Giessenbachstrasse 1, D-85748, Garching (Germany); Rosolowsky, Erik [Department of Physics, University of Alberta, Edmonton, AB (Canada); Offner, Stella S. R. [Department of Astronomy, University of Massachusetts, Amherst, MA 01003 (United States); Matzner, Christopher D.; Singh, Ayushi [Department of Astronomy and Astrophysics, University of Toronto, 50 St. George St., Toronto, Ontario, M5S 3H4 (Canada); Myers, Philip C.; Chen, How-Huan [Harvard-Smithsonian Center for Astrophysics, 60 Garden St., Cambridge, MA 02138 (United States); Chen, Michael Chun-Yuan; Keown, Jared [Department of Physics and Astronomy, University of Victoria, 3800 Finnerty Rd., Victoria, BC, V8P 5C2 (Canada); Seo, Young Min [Jet Propulsion Laboratory, NASA, 4800 Oak Grove Dr., Pasadena, CA 91109 (United States); Shirley, Yancy [Steward Observatory, 933 North Cherry Ave., Tucson, AZ 85721 (United States); Ginsburg, Adam [National Radio Astronomy Observatory, Socorro, NM 87801 (United States); Hall, Christine [Department of Physics, Engineering Physics and Astronomy, Queen’s University, Kingston, Ontario, K7L 3N6 (Canada); and others

2017-09-10

We use data on gas temperature and velocity dispersion from the Green Bank Ammonia Survey and core masses and sizes from the James Clerk Maxwell Telescope Gould Belt Survey to estimate the virial states of dense cores within the Orion A molecular cloud. Surprisingly, we find that almost none of the dense cores are sufficiently massive to be bound when considering only the balance between self-gravity and the thermal and non-thermal motions present in the dense gas. Including the additional pressure binding imposed by the weight of the ambient molecular cloud material and additional smaller pressure terms, however, suggests that most of the dense cores are pressure-confined.

The Green Bank Ammonia Survey: Dense Cores under Pressure in Orion A

International Nuclear Information System (INIS)

Kirk, Helen; Di Francesco, James; Friesen, Rachel K.; Pineda, Jaime E.; Caselli, Paola; Alves, Felipe O.; Chacón-Tanarro, Ana; Punanova, Anna; Rosolowsky, Erik; Offner, Stella S. R.; Matzner, Christopher D.; Singh, Ayushi; Myers, Philip C.; Chen, How-Huan; Chen, Michael Chun-Yuan; Keown, Jared; Seo, Young Min; Shirley, Yancy; Ginsburg, Adam; Hall, Christine

2017-01-01

We use data on gas temperature and velocity dispersion from the Green Bank Ammonia Survey and core masses and sizes from the James Clerk Maxwell Telescope Gould Belt Survey to estimate the virial states of dense cores within the Orion A molecular cloud. Surprisingly, we find that almost none of the dense cores are sufficiently massive to be bound when considering only the balance between self-gravity and the thermal and non-thermal motions present in the dense gas. Including the additional pressure binding imposed by the weight of the ambient molecular cloud material and additional smaller pressure terms, however, suggests that most of the dense cores are pressure-confined.

The Kadomtsev endash Petviashvili equation under rapid forcing

International Nuclear Information System (INIS)

Moroz, I.M.

1997-01-01

We consider the initial value problem for the forced Kadomtsev endash Petviashvili equation (KP) when the forcing is assumed to be fast compared to the evolution of the unforced equation. This suggests the introduction of two time scales. Solutions to the forced KP are sought by expanding the dependent variable in powers of a small parameter, which is inversely related to the forcing time scale. The unforced system describes weakly nonlinear, weakly dispersive, weakly two-dimensional wave propagation and is studied in two forms, depending upon whether gravity dominates surface tension or vice versa. We focus on the effect that the forcing has on the one-lump solution to the KPI equation (where surface tension dominates) and on the one- and two-line soliton solutions to the KPII equation (when gravity dominates). Solutions to second order in the expansion are computed analytically for some specific choices of the forcing function, which are related to the choice of initial data. copyright 1997 American Institute of Physics

Three-dimensional black hole from a stringy anti endash de Sitter background

International Nuclear Information System (INIS)

Hjelmeland, S.E.

1997-01-01

A new black hole solution in 2+1 dimensions is found by taking cosmic strings as part of the vacuum structure of the anti endash de Sitter space-time. The solution has a structure that in many ways is similar to that of the Reissner-Nordstroem solution. With a vanishing cosmological constant, a space-time with a black hole of infinite extension appears with the inner horizon playing the role of a cosmological event horizon. The timelike and null geodesics are discussed. In particular it is shown that photons may follow conic sections. copyright 1997 The American Physical Society

Toward a Green, Clean, and Resilient World for All : A World Bank Group Environment Strategy 2012 - 2022

OpenAIRE

World Bank Group

2012-01-01

The new environment strategy for the World Bank Group lays out an ambitious action agenda that seeks to respond to calls from our client countries for a new kind of development path, one that supports growth while focusing more on sustainability and ensuring that the environment is a key enabler for green, more-inclusive growth. This strategy recognizes the importance of our convening powe...

Modeling of absorption data complicated by Fabry endash Perot interference in germanosilicate thin-film waveguides

International Nuclear Information System (INIS)

Simmons-Potter, K.; Simmons, J.H.

1996-01-01

Complex absorption spectra obtained from thin films at normal incidence can be difficult to interpret owing to the appearance of Fabry endash Perot interference fringes in the data. We describe a technique for modeling such spectra so that true absorption features can be identified and evaluated separately from the overlying fringes. The technique is used to interpret data obtained from photosensitive germanosilicate solgel films on fused-silica substrates but may be easily extended to analysis in other material systems. copyright 1996 Optical Society of America

Argus+: The Future of Wide-Field, Spectral-Line Imaging at 3-mm with the Green Bank Telescope

Science.gov (United States)

Maddalena, Ronald; Frayer, David; Lockman, Felix; O'Neil, Karen; White, Steven; Argus+ Collaboration

2018-01-01

The Robert C Byrd Green Bank Telescope has met its design goal of providing high-quality observations at 115 GHz. Observers also have access to the new, 16-pixel, 3-mm Argus receiver, which is providing high-dynamic range images over wide fields for the multitude of spectral lines between 85 and 115 GHz, including CO, 13CO, C18O, SiO, HCN, HCO+, HNC, N2H+, and CS. The small number of pixels in Argus limits its ability to map many of the most interesting objects whose extent exceeds many arc-minutes. The successful performance of Argus, and its modular design, demonstrates that receivers with many more pixels could be built for the GBT. A 12 x 12 array of the Argus design would have mapping speeds about nine times faster than Argus without suffering any degradation in performance for the outer pixels in the array. We present our plans to build the next-generation Argus instrument (Argus+) with 144-pixels, a footprint 5’x5’, and 7" resolution at 110 GHz. The project will be a collaboration between the Green Bank Observatory and university groups, who will supply key components. The key science drivers for Argus+ are studies of molecular filaments in the Milky Way, studies of molecular clouds in nearby galaxies, and the observations of rapidly evolving solar system objects.

The Green Bank Telescope: A radio telescope for the twenty-first century: Final proposal June 1989

International Nuclear Information System (INIS)

Anon.

1989-01-01

The scientific goals, design, and projected performance of a 100-m-aperture steerable radio telescope to be built at Green Bank, WV are discussed in a proposal to the NSF. The goals considered include observations of pulsars, stars and the solar system; studies of Galactic and extragalactic H I, spectroscopic studies, measurements of continuum radiation; and VLBI observations. Detailed attention is given to the antenna, electronics, control and monitor system, data processing, operational factors, the telescope site, and cost estimates. Drawings, diagrams, sample images, and tables of numerical data are provided

Surface-wave endash particle interactions in a cylindrical plasma submitted to a static magnetic field

International Nuclear Information System (INIS)

Dengra, A.

1997-01-01

A new theoretical model for the study of the surface-wave endash particle interactions in a plasma column in the presence of a constant external magnetic field has been developed. The model is based on the linear resolution of the Vlasov equation by the method of characteristics, with the specular reflection hypothesis at the wall. The expression obtained for the rate of increase of kinetic energy per electron permits the analysis of the influence of the critical parameters in this transference process. copyright 1997 American Institute of Physics

The Green Bank Third (GB3) survey of extragalactic radio sources at 1400 MHz

International Nuclear Information System (INIS)

Rys, S.; Machalski, J.

1987-01-01

The NRAO 91-m radio telescope in Green Bank, West Virginia was used to make a 1400-MHz sky survey covering an area of 0.0988 sr at declinations 70 deg ≤ δ 1950 < 76.8 deg with 10.1 x 10.5 arcmin resolution. This survey ends the series of smaller than 1-sr surveys made at 1400 MHz with that telescope and four-feed radiometer. A catalogue of 502 radiosources is presented, statistically complete to 112 mJy, which is about five times the rms noise and extragalactic confusion. The observations and data reduction are briefly summarized; the position and flux density errors are discussed. 13 refs., 2 tabs. (author)

Modal model for the nonlinear multimode Rayleigh endash Taylor instability

International Nuclear Information System (INIS)

Ofer, D.; Alon, U.; Shvarts, D.; McCrory, R.L.; Verdon, C.P.

1996-01-01

A modal model for the Rayleigh endash Taylor (RT) instability, applicable at all stages of the flow, is introduced. The model includes a description of nonlinear low-order mode coupling, mode growth saturation, and post-saturation mode coupling. It is shown to significantly extend the range of applicability of a previous model proposed by Haan, to cases where nonlinear mode generation is important. Using the new modal model, we study the relative importance of mode coupling at late nonlinear stages and resolve the difference between cases in which mode generation assumes a dominant role, leading to the late time inverse cascade of modes and loss of memory of initial conditions, and cases where mode generation is not important and memory of initial conditions is retained. Effects of finite density ratios (Atwood number A<1) are also included in the model and the difference between various measures of the mixing zone penetration depth for A<1 is discussed. copyright 1996 American Institute of Physics

The Green Bank Telescope: Transformational Science for the Next Decade.

Science.gov (United States)

Wootten, Al; GBO Staff

2018-01-01

The Robert C Byrd Green Bank Telescope has met its design goal of providing high-quality observations at 115 GHz. The accurate small beam of the telescope at high frequencies is leveraged by deployment of multi beam receivers. An overview is presented. Observers now have access to the new, 16-pixel, 3-mm Argus receiver, which is providing high-dynamic range images over wide fields for the multitude of spectral lines between 85 and 115 GHz. The successful performance of Argus, and its modular design, demonstrates that receivers with many more pixels could be built for the GBT. A 12 x 12 array of the Argus design would have mapping speeds about nine times faster than Argus without suffering any degradation in performance for the outer pixels in the array. The Observatory plans to build the next-generation Argus instrument (Argus+) with 144-pixels, a footprint 5'x5', and 7" resolution at 110 GHz. The project will be a collaboration between the Green Bank Observatory and university groups, who will supply key components. The key science drivers for Argus+ are studies of molecular filaments in the Milky Way, studies of molecular clouds in nearby galaxies, and the observations of rapidly evolving solar system objects. Observers also have access to MUSTANG-2, a 223-feedhorn bolometer camera which was commissioned on the GBT in spring 2016, and was offered for observations on a shared risk basis, in collaboration with the instrument team, in the 2018A GBO proposal call. Several features distinguish it from its predecessor, MUSTANG: A new, microstrip-coupled detector design yields higher sensitivity and less susceptibility to environmental microphonics. Detectors are feedhorn coupled, with the sum of two linear polarizations measured by a single TES per feed. The instantaneous field of view is 4 arcminutes (vs 42 arcseconds for MUSTANG) The receiver design incorporates a tilted refrigerator and receiver rotator, resulting in much lower dependence of cooling performance on

Decision Announced in Green Bank Telescope Arbitration Case

Science.gov (United States)

2001-02-01

A decision has been reached by the arbitrator in the dispute between COMSAT Corporation, now part of Lockheed-Martin Global Telecommunications, and Associated Universities, Inc. (AUI) regarding additional costs on the contract to design and construct the Robert C. Byrd Green Bank Telescope (GBT). The GBT, in West Virginia, is the world's largest fully steerable radio telescope, the newest facility in the National Radio Astronomy Observatory's (NRAO) suite of astronomical instruments. The decision, released by the American Arbitration Association (AAA), calls for AUI, which operates the NRAO, to pay COMSAT 4.07 million over the fixed-price contract amount. The contract had standard provisions for disputes, which specify binding arbitration through the AAA for matters that could not be resolved in negotiation. The Robert C. Byrd Green Bank Telescope The contract to design and construct the GBT had an agreed fixed price of 55 million, with work to begin on December 19, 1990 and to be completed by the end of 1994. The contract terms required the telescope to be designed and built to performance specifications, placing most of the performance risks associated with the project on the contractor. The telescope was accepted from the contractor on October 13, 2000, nearly six years later than the original contract delivery date. During the entire period of contract work the only agreed change in scope was a single change order for 150,000 executed in August of 1993. In 1998, COMSAT sought an additional payment of approximately 29 million above the contracted amount, alleging that AUI/NRAO had forced it to conduct unnecessary work on the telescope design and to build the telescope to an unreasonable life cycle (fatigue) specification. COMSAT also claimed that AUI/NRAO was obligated to pay the costs of accommodating what it claimed to be additional wind loads. COMSAT blamed these circumstances for its delay in completing the project on time and within the contract price. AUI

Measurement of αs(Q2) from the Gross endash Llewellyn Smith Sum Rule

International Nuclear Information System (INIS)

Johnson, R.A.; Vakili, M.; Kim, J.H.; Arroyo, C.G.; Bazarko, A.O.; Conrad, J.; King, B.J.; Lefmann, W.C.; McNulty, C.; Mishra, S.R.; Quintas, P.Z.; Romosan, A.; Schellman, H.; Sciulli, F.J.; Seligman, W.G.; Shaevitz, M.H.; Spentzouris, P.; Stern, E.G.; Bernstein, R.H.; Lamm, M.J.; Marsh, W.; McFarland, K.S.; Yu, J.; Bolton, T.; Naples, D.; Barbaro, L. de; Harris, D.A.; Barbaro, P. de; Bodek, A.; Budd, H.; Sakumoto, W.K.; Yang, U.K.; Kinnel, T.; Smith, W.H.

1998-01-01

We extract a set of values for the Gross endash Llewellyn Smith sum rule at different values of 4-momentum transfer squared (Q 2 ), by combining revised CCFR neutrino data with data from other neutrino deep-inelastic scattering experiments for 1 2 2 /c 2 . A comparison with the order α 3 s theoretical predictions yields a determination of α s at the scale of the Z -boson mass of 0.114± 0.009 0.012 . This measurement provides a new and useful test of perturbative QCD at low Q 2 , because of the low uncertainties in the higher order calculations. copyright 1998 The American Physical Society

Theory of the Anderson impurity model: The Schrieffer endash Wolff transformation reexamined

International Nuclear Information System (INIS)

Kehrein, S.K.; Mielke, A.

1996-01-01

We test the method of infinitesimal unitary transformations recently introduced by Wegner on the Anderson single impurity model. It is demonstrated that infinitesimal unitary transformations in contrast to the Schrieffer endash Wolff transformation allow the construction of an effective Kondo Hamiltonian consistent with the established results in this well understood model. The main reason for this is the intrinsic energy scale separation of Wegner close-quote s approach with respect to arbitrary energy differences coupled by matrix elements. This allows the construction of an effective Hamiltonian without facing a vanishing energy denominator problem. Similar energy denominator problems are troublesome in many models. Infinitesimal unitary transformations have the potential to provide a general framework for the systematic derivation of effective Hamiltonians without such problems. Copyright copyright 1996 Academic Press, Inc

Regimes of the magnetized Rayleigh endash Taylor instability

International Nuclear Information System (INIS)

Winske, D.

1996-01-01

Hybrid simulations with kinetic ions and massless fluid electrons are used to investigate the linear and nonlinear behavior of the magnetized Rayleigh endash Taylor instability in slab geometry with the plasma subject to a constant gravity. Three regimes are found, which are determined by the magnitude of the complex frequency ω=ω r +iγ. For |ω| i (Ω i = ion gyrofrequency), one finds the typical behavior of the usual fluid regime, namely the development of open-quote open-quote mushroom-head close-quote close-quote spikes and bubbles in the density and a strongly convoluted boundary between the plasma and magnetic field, where the initial gradient is not relaxed much. A second regime, where |ω|∼0.1Ω i , is characterized by the importance of the Hall term. Linearly, the developing flute modes are more finger-like and tilted along the interface; nonlinearly, clump-like structures form, leading to a significant broadening of the interface. The third regime is characterized by unmagnetized ion behavior, with |ω|∼Ω i . Density clumps, rather than flutes, form in the linear stage, while nonlinearly, longer-wavelength modes that resemble those in fluid regime dominate. Finite Larmor radius stabilization of short-wavelength modes is observed in each regime. copyright 1996 American Institute of Physics

The Cosmic Abundance of 3He: Green Bank Telescope Observations

Science.gov (United States)

Balser, Dana; Bania, Thomas

2018-01-01

The Big Bang theory for the origin of the Universe predicts that during the first ~1,000 seconds significant amounts of the light elements (2H, 3He, 4He, and 7Li) were produced. Many generations of stellar evolution in the Galaxy modifies these primordial abundances. Observations of the 3He+ hyperfine transition in Galactic HII regions reveals a 3He/H abundance ratio that is constant with Galactocentric radius to within the uncertainties, and is consistent with the primordial value as determined from cosmic microwave background experiments (e.g., WMAP). This "3He Plateau" indicates that the net production and destruction of 3He in stars is approximately zero. Recent stellar evolution models that include thermohaline mixing, however, predict that 3He/H abundance ratios should slightly decrease with Galactocentric radius, or in places in the Galaxy with lower star formation rates. Here we discuss sensitive Green Bank Telescope (GBT) observations of 3He+ at 3.46 cm in a subset of our HII region sample. We develop HII region models and derive accurate 3He/H abundance ratios to better constrain these new stellar evolution models.

Research Experiences in Teacher Preparation: Effectiveness of the Green Bank preservice teacher enhancement program

Science.gov (United States)

Hemler, Debra A.

1997-11-01

The purpose of this study was to examine the effectiveness of the preservice teacher component of the Research Experiences in Teacher Preparation (RETP) project aimed at enhancing teacher perceptions of the nature of science, science research, and science teaching. Data was collected for three preservice teacher groups during the three phases of the program: (I) a one week institute held at the National Radio Astronomy Observatory in Green Bank, West Virginia where teachers performed astronomy research using a 40 foot diameter radio telescope; (II) a secondary science methods course; and (III) student teaching placements. Four Likert-type instruments were developed and administered pre and post-institute to assess changes in perceptions of science, attitudes toward research, concerns about implementing research in the classroom, and evaluation of the institute. Instruments were re-administered following the methods course and student teaching. Observations of classroom students conducting research were completed for seven preservice teacher participants in their student teaching placements. Analysis, using t-tests, showed a significant increase in preservice teachers perceptions of their ability to do research. Preservice teachers were not concerned about implementing research in their placements. No significant change was measured in their understanding of the nature of science and science teaching. Concept maps demonstrated a significant increase in radio astronomy content knowledge. Participants responded that the value of institute components, quality of the research elements, and preparation for implementing research in the classroom were "good" to "excellent". Following the methods course (Phase II) no significant change in their understanding of the nature of science or concerns about implementing projects in the classroom were measured. Of the 7 preservice teachers who were observed implementing research projects, 5 projects were consistent with the Green

Growth rates of the ablative Rayleigh endash Taylor instability in inertial confinement fusion

International Nuclear Information System (INIS)

Betti, R.; Goncharov, V.N.; McCrory, R.L.; Verdon, C.P.

1998-01-01

A simple procedure is developed to determine the Froude number Fr, the effective power index for thermal conduction ν, the ablation-front thickness L 0 , the ablation velocity V a , and the acceleration g of laser-accelerated ablation fronts. These parameters are determined by fitting the density and pressure profiles obtained from one-dimensional numerical simulations with the analytic isobaric profiles of Kull and Anisimov [Phys. Fluids 29, 2067 (1986)]. These quantities are then used to calculate the growth rate of the ablative Rayleigh endash Taylor instability using the theory developed by Goncharov et al. [Phys. Plasmas 3, 4665 (1996)]. The complicated expression of the growth rate (valid for arbitrary Froude numbers) derived by Goncharov et al. is simplified by using reasonably accurate fitting formulas. copyright 1998 American Institute of Physics

Green investment in sustainable housing. SEV recommendation

International Nuclear Information System (INIS)

Fokkema, J.

1996-07-01

In cooperation with the Triodos Bank, SEV carried out a study on the possibility to invest money from green investment funds at low interest in houses which are designed and built in a sustainable and energy efficient way. By order of the Triodos Bank and SEV others drafted a guideline to assess dwellings and calculated the financial and economical consequences of green investments in sustainable housing. The results of those studies formed the basis of the SEV recommendation to the Dutch State Secretary of Housing and Planning and the Dutch State Secretary of Economic Affairs, April 1996, to expand the planned Green Investment Regulation to the possibility to invest money in sustainable houses. It is expected that the Green Investment Regulation will come into effect September 1996. 2 appendices

The Green Bank Ammonia Survey: First Results of NH3 Mapping of the Gould Belt

Science.gov (United States)

Friesen, Rachel K.; Pineda, Jaime E.; co-PIs; Rosolowsky, Erik; Alves, Felipe; Chacón-Tanarro, Ana; How-Huan Chen, Hope; Chun-Yuan Chen, Michael; Di Francesco, James; Keown, Jared; Kirk, Helen; Punanova, Anna; Seo, Youngmin; Shirley, Yancy; Ginsburg, Adam; Hall, Christine; Offner, Stella S. R.; Singh, Ayushi; Arce, Héctor G.; Caselli, Paola; Goodman, Alyssa A.; Martin, Peter G.; Matzner, Christopher; Myers, Philip C.; Redaelli, Elena; The GAS Collaboration

2017-07-01

We present an overview of the first data release (DR1) and first-look science from the Green Bank Ammonia Survey (GAS). GAS is a Large Program at the Green Bank Telescope to map all Gould Belt star-forming regions with {A}{{V}}≳ 7 mag visible from the northern hemisphere in emission from NH3 and other key molecular tracers. This first release includes the data for four regions in the Gould Belt clouds: B18 in Taurus, NGC 1333 in Perseus, L1688 in Ophiuchus, and Orion A North in Orion. We compare the NH3 emission to dust continuum emission from Herschel and find that the two tracers correspond closely. We find that NH3 is present in over 60% of the lines of sight with {A}{{V}}≳ 7 mag in three of the four DR1 regions, in agreement with expectations from previous observations. The sole exception is B18, where NH3 is detected toward ∼40% of the lines of sight with {A}{{V}}≳ 7 mag. Moreover, we find that the NH3 emission is generally extended beyond the typical 0.1 pc length scales of dense cores. We produce maps of the gas kinematics, temperature, and NH3 column densities through forward modeling of the hyperfine structure of the NH3 (1, 1) and (2, 2) lines. We show that the NH3 velocity dispersion, {σ }v, and gas kinetic temperature, T K, vary systematically between the regions included in this release, with an increase in both the mean value and the spread of {σ }v and T K with increasing star formation activity. The data presented in this paper are publicly available (https://dataverse.harvard.edu/dataverse/GAS_DR1).

ACCURATE POLARIZATION CALIBRATION AT 800 MHz WITH THE GREEN BANK TELESCOPE

Energy Technology Data Exchange (ETDEWEB)

Liao, Yu-Wei; Chang, Tzu-Ching; Kuo, Cheng-Yu [Institute of Astronomy and Astrophysics, Academia Sinica, 11F of Astro-Math Building, AS/NTU, 1 Roosevelt Road Sec. 4, Taipei 10617, Taiwan (China); Masui, Kiyoshi Wesley [Department of Physics and Astronomy, University of British Columbia, Vancouver, British Columbia, V6T 1Z1 (Canada); Oppermann, Niels; Pen, Ue-Li [Canadian Institute for Theoretical Astrophysics, University of Toronto, 60 St. George Street, Toronto ON, M5S 3H8 (Canada); Peterson, Jeffrey B., E-mail: ywliao@asiaa.sinica.edu.tw [McWilliams Center for Cosmology, Carnegie Mellon University, Department of Physics, 5000 Forbes Avenue, Pittsburgh PA 15213 (United States)

2016-12-20

Polarization leakage of foreground synchrotron emission is a critical issue in H i intensity mapping experiments. While the sought-after H i emission is unpolarized, polarized foregrounds such as Galactic and extragalactic synchrotron radiation, if coupled with instrumental impurity, can mimic or overwhelm the H i signals. In this paper, we present the methodology for polarization calibration at 700–900 MHz, applied on data obtained from the Green Bank Telescope (GBT). We use astrophysical sources, both polarized and unpolarized sources including quasars and pulsars, as calibrators to characterize the polarization leakage and control systematic effects in our GBT H i intensity mapping project. The resulting fractional errors on polarization measurements on boresight are well controlled to within 0.6%–0.8% of their total intensity. The polarized beam patterns are measured by performing spider scans across both polarized quasars and pulsars. A dominant Stokes I to V leakage feature and secondary features of Stokes I to Q and I to U leakages in the 700–900 MHz frequency range are identified. These characterizations are important for separating foreground polarization leakage from the H i 21 cm signal.

ACCURATE POLARIZATION CALIBRATION AT 800 MHz WITH THE GREEN BANK TELESCOPE

International Nuclear Information System (INIS)

Liao, Yu-Wei; Chang, Tzu-Ching; Kuo, Cheng-Yu; Masui, Kiyoshi Wesley; Oppermann, Niels; Pen, Ue-Li; Peterson, Jeffrey B.

2016-01-01

Polarization leakage of foreground synchrotron emission is a critical issue in H i intensity mapping experiments. While the sought-after H i emission is unpolarized, polarized foregrounds such as Galactic and extragalactic synchrotron radiation, if coupled with instrumental impurity, can mimic or overwhelm the H i signals. In this paper, we present the methodology for polarization calibration at 700–900 MHz, applied on data obtained from the Green Bank Telescope (GBT). We use astrophysical sources, both polarized and unpolarized sources including quasars and pulsars, as calibrators to characterize the polarization leakage and control systematic effects in our GBT H i intensity mapping project. The resulting fractional errors on polarization measurements on boresight are well controlled to within 0.6%–0.8% of their total intensity. The polarized beam patterns are measured by performing spider scans across both polarized quasars and pulsars. A dominant Stokes I to V leakage feature and secondary features of Stokes I to Q and I to U leakages in the 700–900 MHz frequency range are identified. These characterizations are important for separating foreground polarization leakage from the H i 21 cm signal.

A Green Bank Telescope Survey of Large Galactic H II Regions

Science.gov (United States)

Anderson, L. D.; Armentrout, W. P.; Luisi, Matteo; Bania, T. M.; Balser, Dana S.; Wenger, Trey V.

2018-02-01

As part of our ongoing H II Region Discovery Survey (HRDS), we report the Green Bank Telescope detection of 148 new angularly large Galactic H II regions in radio recombination line (RRL) emission. Our targets are located at a declination of δ > -45^\\circ , which corresponds to 266^\\circ > {\\ell }> -20^\\circ at b=0^\\circ . All sources were selected from the Wide-field Infrared Survey Explorer Catalog of Galactic H II Regions, and have infrared angular diameters ≥slant 260\\prime\\prime . The Galactic distribution of these “large” H II regions is similar to that of the previously known sample of Galactic H II regions. The large H II region RRL line width and peak line intensity distributions are skewed toward lower values, compared with that of previous HRDS surveys. We discover seven sources with extremely narrow RRLs 100 {pc}, making them some of the physically largest known H II regions in the Galaxy. This survey completes the HRDS H II region census in the Northern sky, where we have discovered 887 H II regions and more than doubled the size of the previously known census of Galactic H II regions.

Study of laser-imploded core plasmas with an advanced Kirkpatrick endash Baez x-ray microscope

International Nuclear Information System (INIS)

Kodama, R.; Shiraga, H.; Miyanaga, M.; Matsushita, T.; Nakai, M.; Azechi, H.; Mima, K.; Kato, Y.

1997-01-01

We developed an advanced Kirkpatrick endash Baez (AKB) x-ray microscope which consisted of two hyperbolic mirrors and two elliptic mirrors. The spatial resolution of approx-lt 3 μm was realized over ∼1 mm diam. This AKB microscope was used for x-ray imaging in laser fusion experiments. Laser absorption nonuniformity with a large wave number on a spherical solid target or a plane slab target was estimated by measurements of x-ray emission from the target surface with the microscope. The x-ray images of the imploded core plasmas were also obtained with the AKB microscope, changing the laser focus condition and the laser energy balance. copyright 1997 American Institute of Physics

POLARIZATION OBSERVATIONS OF 100 PULSARS AT 774 MHz BY THE GREEN BANK TELESCOPE

International Nuclear Information System (INIS)

Han, J. L.; Demorest, P. B.; Van Straten, W.; Lyne, A. G.

2009-01-01

We report on polarimetric observations of 100 pulsars centered on 774 MHz, made using the Green Bank Telescope, presenting their polarization profiles and polarized flux densities and comparing them with previous observations when possible. For 67 pulsars, these are the first such measurements made. Polarization profiles of 8 millisecond-pulsars in our sample show wide profiles and flat position-angle curves. Strong linear polarization, sometimes approaching 100% of the total intensity, has been detected in all or a part of the average pulse profiles of some pulsars. In general, circular polarization is very weak, although it is observed to be extremely strong in the leading component of PSR J1920+2650. Sense reversal of circular polarization as a function of pulse phase has been detected from both core and other components of more than 20 pulsars. Any relationship between the spin-down luminosity and the percentage of linear polarization is not evident in our data at this frequency.

TNT Green Office. NESK Final Report; TNT Green Office, Hoofddorp. NESK Eindrapportage

Energy Technology Data Exchange (ETDEWEB)

Van der Spek, C; Van Rheenen, M [OVG Projectontwikkeling, Rotterdam (Netherlands)

2011-12-15

The aim of the collaboration between TNT (courier and express services) and Triodos/OVG (bank and project developer) was to realize CO2 free Green Offices in the Netherlands. The building is both developed and exploited by the same parties based on an innovative contract in which design, construction and maintenance and management are arranged. These parties are also responsible for the sustainable energy system of the building [Dutch] Doelstelling van de samenwerking tussen TNT (koerier en expresdiensten) en Triodos/OVG (bank en projectontwikkelaar) was het realiseren van CO2-emissievrije Green Offices in Nederland. Hierbij wordt het gebouw ontwikkeld en geexploiteerd door dezelfde partijen op basis van een innovatief contract waarin ontwerp, bouw, onderhoud en beheer zijn vastgelegd. Deze partijen zijn ook verantwoordelijk voor de duurzame energievoorziening van het gebouw.

A numerical study of Richtmyer endash Meshkov instability driven by cylindrical shocks

International Nuclear Information System (INIS)

Zhang, Q.; Graham, M.J.

1998-01-01

As an incident shock wave hits a material interface between two fluids of different densities, the interface becomes unstable. Small disturbances at the interface start to grow. This interfacial instability is known as a Richtmyer endash Meshkov (RM) instability. It plays an important role in the studies of inertial confinement fusion and supernova. The majority of studies of the RM instability were in plane geometry emdash namely, plane shocks in Cartesian coordinates. We present a systematic numerical study of the RM instability driven by cylindrical shocks for both the imploding and exploding cases. The imploding (exploding) case refers to a cylindrical shock colliding with the material interface from the outside in (inside out). The phenomenon of reshock caused by the waves reflected from the origin is also studied. A qualitative understanding of this system has been achieved. Detailed studies of the growth rate of the fingers at the unstable interface are presented. copyright 1998 American Institute of Physics

Total cross sections for electron scattering by CO2 molecules in the energy range 400 endash 5000 eV

International Nuclear Information System (INIS)

Garcia, G.; Manero, F.

1996-01-01

Total cross sections for electron scattering by CO 2 molecules in the energy range 400 endash 5000 eV have been measured with experimental errors of ∼3%. The present results have been compared with available experimental and theoretical data. The dependence of the total cross sections on electron energy shows an asymptotic behavior with increasing energies, in agreement with the Born-Bethe approximation. In addition, an analytical formula is provided to extrapolate total cross sections to higher energies. copyright 1996 The American Physical Society

Argus: A W-band 16-pixel focal plane array for the Green Bank Telescope

Science.gov (United States)

Devaraj, Kiruthika; Church, Sarah; Cleary, Kieran; Frayer, David; Gawande, Rohit; Goldsmith, Paul; Gundersen, Joshua; Harris, Andrew; Kangaslahti, Pekka; Readhead, Tony; Reeves, Rodrigo; Samoska, Lorene; Sieth, Matt; Voll, Patricia

2015-05-01

We are building Argus, a 16-pixel square-packed focal plane array that will cover the 75-115.3 GHz frequency range on the Robert C. Byrd Green Bank Telescope (GBT). The primary research area for Argus is the study of star formation within our Galaxy and nearby galaxies. Argus will map key molecules that trace star formation, including carbon monoxide (CO) and hydrogen cyanide (HCN). An additional key science area is astrochemistry, which will be addressed by observing complex molecules in the interstellar medium, and the study of formation of solar systems, which will be addressed by identifying dense pre-stellar cores and by observing comets in our solar system. Argus has a highly scalable architecture and will be a technology path finder for larger arrays. The array is modular in construction, which will allow easy replacement of malfunctioning and poorly performing components.

GREEN BANKING IN INDIA: AN EMPIRICAL STUDY OF COMMERCIAL BANKS

OpenAIRE

Shikha Agrawal

2014-01-01

Today across the world the biggest problem is environment management and reducing the damage to the natural resources and global warming. It is the responsibility of every individual as well as institutions in the world to work in this direction. Lots of agencies are doing research on various related topics and from the literature review it is observed that in India RBI has already given a direction for the banks through circulars to implement certain strategies for betterment of the environm...

On Banks, Courts and International Law

DEFF Research Database (Denmark)

Fabbrini, Federico

In December 2013 the ECOFIN Council has given its green light to the adoption of the second pillar of the so-called Banking Union: a Single Resolution Mechanism to wind down failing banks in the Euro-zone, and thus break the cycle between banks and sovereigns in the EU. Besides a regulation......, to be adopted in co-decision procedure with the Parliament, the Council has however endorsed a plan to adopt an international agreement on the functioning of the Single Resolution Fund (SRF). The paper critically analyses the choice to resort to international law to establish the SRF. As the paper maintains...

VizieR Online Data Catalog: Green Bank Telescope observations of NGC 2403 (de Blok+, 2014)

Science.gov (United States)

de Blok, W. J. G.; Keating, K. M.; Pisano, D. J.; Fraternali, F.; Walter, F.; Oosterloo, T.; Brinks, E.; Bigiel, F.; Leroy, A.

2014-08-01

We observed NGC 2403 with the Green Bank Telescopes in the 21-cm line of neutral hydrogen, in 21 sessions between 29 May and 30 September 2009. The beam size of the observations is 8.7'. We include a FITS file containing the data-cube (pos-pos-vel) of the HI emission line of NGC 2403. We used equatorial coordinates for the spatial dimensions and VLSR for the spectral dimension. The pixel size is 1.75' in spatial dimension and the spectral resolution is 5.2km/s. All values are in Jy/beam. The data-cube spans an area of about 4x4 degrees (RAxDec) around the center of the maps at 07:35:29.9 +65:35:48.5 (EQ=J2000) and the velocity ranges from -895.6 to 1745.0km/s. (2 data files).

Scientific considerations for the design of a replacement for the 300-foot radio telescope; Proceedings of the Workshop, Green Bank, WV, Dec. 2, 3, 1988

International Nuclear Information System (INIS)

Brown, R.L.; Schwab, F.R.

1989-01-01

The replacement of the Green Bank radio telescope after its collapse in November 1988 is discussed. Sections are devoted to the scientific impact of the collapse; technical requirements for a replacement telescope; schedules and costs; observations of neutral atomic hydrogen; observations of pulsars, radio stars and the solar system; spectroscopic observations; and observations of continuum radiation. Diagrams, graphs, and maps are provided

Hydromagnetic Rayleigh endash Taylor instability in high-velocity gas-puff implosions

International Nuclear Information System (INIS)

Roderick, N.F.; Peterkin, R.E. Jr.; Hussey, T.W.; Spielman, R.B.; Douglas, M.R.; Deeney, C.

1998-01-01

Experiments using the Saturn pulsed power generator have produced high-velocity z-pinch plasma implosions with velocities over 100 cm/μs using both annular and uniform-fill gas injection initial conditions. Both types of implosion show evidence of the hydromagnetic Rayleigh endash Taylor instability with the uniform-fill plasmas producing a more spatially uniform pinch. Two-dimensional magnetohydrodynamic simulations including unsteady flow of gas from a nozzle into the diode region have been used to investigate these implosions. The instability develops from the nonuniform gas flow field that forms as the gas expands from the injection nozzle. Instability growth is limited to the narrow unstable region of the current sheath. For the annular puff the unstable region breaks through the inner edge of the annulus increasing nonlinear growth as mass ejected from the bubble regions is not replenished by accretion. This higher growth leads to bubble thinning and disruption producing greater nonuniformity at pinch for the annular puff. The uniform puff provides gas to replenish bubble mass loss until just before pinch resulting in less bubble thinning and a more uniform pinch. copyright 1998 American Institute of Physics

Growth of the Rayleigh endash Taylor instability in an imploding Z-pinch

International Nuclear Information System (INIS)

De Groot, J.S.; Toor, A.; Golberg, S.M.; Liberman, M.A.

1997-01-01

Rayleigh endash Taylor (RT) instability of cylindrical, imploding plasma liners in a Z-pinch is analyzed. The reduction in total perturbation growth for multicascade systems (multiple imploding shells) is presented. This reduction is effective if the pressure produced by the impacting shell exceeds the magnetic pressure at the time of impact. Analytical and numerical solutions are also obtained for the RT instability of an imploding plasma liner accelerated into undisturbed plasma. The snowplow model is used in which the mass encountered by the imploding magnetic piston is swept into an infinitely thin sheath. A shock front launched ahead of the liner is shown to reduce the growth rate. It is also shown that accumulating the mass increases the growth rate. However, the total perturbation growth can be reduced if the liner accumulates the mass during the implosion compared to a liner with the same mass imploding into vacuum. Finally, it is shown that the final kinetic energy density for a given shell nonuniformity is largest if the final liner mass is accumulated during the implosion. copyright 1997 American Institute of Physics

Model Kebijakan Pengelolaan Sampah Berbasis Partisipasi “Green Community” Mendukung Kota Hijau

Directory of Open Access Journals (Sweden)

Edy Suyanto

2015-06-01

Full Text Available Government policy in waste management nowadays does not consider the aspect of environment and local wisdom. Whereas, community support either good will or political will is needed. This research was conducted in Purwokerto by applying qualitative (triangulation and quantitative (survey, AHP method. The result shows that keriganpattern-based green community participation in green waste management including institution, empowerment, activities, cooperation, and funding is not effectively implemented. The policy model of green community-based green waste management to support green city reveals that AHP indicates the green community participation is the main aspect to take into account. The policy strategy to be done should consider green community,the local wisdom revitalization of kerigan pattern, extend waste bank, city park, tree bank, management revitalization, socialization of ‘picking up waste’ movement, waste deposit, waste insurance by emphasizing on ecoliteracy, ecodesign, and mental revolution

Resonance contributions to Hanbury-Brown endash Twiss correlation radii

International Nuclear Information System (INIS)

Wiedemann, U.A.; Heinz, U.

1997-01-01

We study the effect of resonance decays on intensity interferometry for heavy ion collisions. Collective expansion of the source leads to a dependence of the two-particle correlation function on the pair momentum K. This opens the possibility to reconstruct the dynamics of the source from the K dependence of the measured Hanburg-Brown endash Twiss (HBT) radii. Here we address the question to what extent resonance decays can fake such a flow signal. Within a simple parametrization for the emission function we present a comprehensive analysis of the interplay of flow and resonance decays on the one- and two-particle spectra. We discuss in detail the non-Gaussian features of the correlation function introduced by long-lived resonances and the resulting problems in extracting meaningful HBT radii. We propose to define them in terms of the second-order q moments of the correlator C(q,K). We show that this yields a more reliable characterisation of the correlator in terms of its width and the correlation strength λ than other commonly used fit procedures. The normalized fourth-order q moments (kurtosis) provide a quantitative measure for the non-Gaussian features of the correlator. At least for the class of models studied here, the kurtosis helps separating effects from expansion flow and resonance decays, and provides the cleanest signal to distinguish between scenarios with and without transverse flow. copyright 1997 The American Physical Society

Spectroscopy of the {sup 29}Si(p,{gamma}) reaction for E{sub p}=1.00{endash}1.75 MeV

Energy Technology Data Exchange (ETDEWEB)

Vavrina, G.A.; Bybee, C.R.; Mitchell, G.E.; Moore, E.F.; Shriner, J.D. [North Carolina State University, Raleigh, North Carolina 27695 (United States); Bilpuch, E.G.; Wallace, P.M.; Westerfeldt, C.R. [Duke University, Durham, North Carolina 27708 (United States); Shriner, J.F. , Jr. [Tennessee Technological University, Cookeville, Tennessee 38505 (United States)

1997-03-01

The {sup 29}Si(p,{gamma}) reaction has been studied in the range E{sub p}=1.00{endash}1.75 MeV. Three previously unknown states in {sup 30}P were identified, and one state previously assigned to {sup 30}P was identified as a state in {sup 14}N. Gamma-ray strengths were determined for the three new levels, and branching ratios were measured for 17 resonances. Revised J{sup {pi}};T assignments were made for nine of these states. {copyright} {ital 1997} {ital The American Physical Society}

Innovative insurance plan promises to leverage green power

International Nuclear Information System (INIS)

Edge, Gordon

1999-01-01

This article explains the gap between customers of green power signing short term (1-2 year) contracts and the banks wanting power purchase agreements for ten or more years before lending on new projects. Details are given of a new initiative from the US green power industry for a green premium for green power marketeers with the idea of an insurance product to take some of the risk and bridge the gap. Examples of coverage under the green power insurance proposal are discussed, and the funding and implementation of the scheme, and the effect of the insurance are considered

A Green Bank Telescope 21cm survey of HI clouds in the Milky Way's nuclear wind

Science.gov (United States)

Denbo, Sara; Endsley, Ryan; Lockman, Felix J.; Ford, Alyson

2015-01-01

Feedback processes such as large-scale galactic winds are thought to be responsible for distributing enriched gas throughout a galaxy and even into the IGM. Such winds have been found in many galaxies with active star formation near their center, and the Fermi bubbles provide evidence for such a nuclear wind in our own Milky Way. A recent 21 cm HI survey by the Australia Telescope Compact Array discovered a population of compact, isolated clouds surrounding the Galactic Center that may be entrained in the Fermi bubble wind. We present data from a survey of 21cm HI over an extended region around the Galactic Center using the Green Bank Telescope. These observations provide more strict constraints on neutral clouds in the Fermi bubble wind, and a more robust description of the parameters of HI clouds (i.e., mass, column density, and lifetime) near the Galactic Center.

A blind green bank telescope millimeter-wave survey for redshifted molecular absorption

Energy Technology Data Exchange (ETDEWEB)

Kanekar, N.; Gupta, A. [National Centre for Radio Astrophysics, TIFR, Ganeshkhind, Pune 411007 (India); Carilli, C. L. [National Radio Astronomy Observatory, 1003 Lopezville Road, Socorro, NM 87801 (United States); Stocke, J. T. [CASA, Department of Astrophysical and Planetary Sciences, University of Colorado, 389-UCB, Boulder, CO 80309 (United States); Willett, K. W., E-mail: nkanekar@ncra.tifr.res.in [School of Physics and Astronomy, University of Minnesota, 116 Church Street SE, Minneapolis, MN 55455 (United States)

2014-02-10

We present the methodology for 'blind' millimeter-wave surveys for redshifted molecular absorption in the CO/HCO{sup +} rotational lines. The frequency range 30-50 GHz appears optimal for such surveys, providing sensitivity to absorbers at z ≳ 0.85. It is critical that the survey is 'blind', i.e., based on a radio-selected sample, including sources without known redshifts. We also report results from the first large survey of this kind, using the Q-band receiver on the Green Bank Telescope (GBT) to search for molecular absorption toward 36 sources, 3 without known redshifts, over the frequency range 39.6-49.5 GHz. The GBT survey has a total redshift path of Δz ≈ 24, mostly at 0.81 < z < 1.91, and a sensitivity sufficient to detect equivalent H{sub 2} column densities ≳ 3 × 10{sup 21} cm{sup –2} in absorption at 5σ significance (using CO-to-H{sub 2} and HCO{sup +}-to-H{sub 2} conversion factors of the Milky Way). The survey yielded no confirmed detections of molecular absorption, yielding the 2σ upper limit n(z = 1.2) < 0.15 on the redshift number density of molecular gas at column densities N(H{sub 2}) ≳ 3 × 10{sup 21} cm{sup –2}.

Search for OH 18 cm Radio Emission from 1I/2017 U1 with the Green Bank Telescope

Science.gov (United States)

Park, Ryan S.; Pisano, D. J.; Lazio, T. Joseph W.; Chodas, Paul W.; Naidu, Shantanu P.

2018-05-01

This paper reports the first OH 18 cm line observation of the first detected interstellar object 1I/2017 U1 (‘Oumuamua) using the Green Bank Telescope. We have observed the OH lines at 1665.402, 1667.359, and 1720.53 MHz frequencies with a spectral resolution of 357 Hz (approximately 0.06 km s‑1). At the time of the observation, ‘Oumuamua was at topocentric distance and velocity of 1.07 au and 63.4 km s‑1, respectively, or at heliocentric distance and velocity of 1.8 au and 39 km s‑1, respectively. Based on a detailed data reduction and an analogy-based inversion, our final results confirm the asteroidal origin of ‘Oumuamua with an upper bound OH production of Q[OH] < 0.17 × 1028 s‑1.

Technology Advances at the NRAO Green Bank Telescope

Science.gov (United States)

Lockman, Felix James

2015-08-01

The 100 meter diameter Green Bank Telescope, with its large frequency coverage, great sensitivity, all-sky tracking, and location at a protected, radio-quiet site, offers a unique platform for technological advances in astronomical instrumentation that can yield an immediate scientific payoff.MUSTANG-1.5 is a feedhorn-coupled bolometer array for 3mm that has recently been installed on the telescope. It has 64 pixels (expandable to 223) and offers sensitivity to angular scales from 9" to more than 3' over a band from 75 GHz to 105 GHz. Its capabilities for science at 3mm are complimentary to, and in some cases superior to, those offered by ALMA. MUSTANG-1.5 is a collaboration between UPenn., NIST, NRAO, and other institutions.ARGUS is a 16-pixel focal plane array for millimeter spectroscopy that will be in use on the GBT in 2015. The array architecture is designed as a scalable technology pathfinder for larger arrays, but by itself it will provide major capabilities for spectroscopy from 75-107 GHz with 8" angular resolution over a wide field-of-view. It is a collaboration between Stanford Univ., Caltech, JPL, Univ. Maryland, Univ. Miami, and NRAO.FLAG is a prototype phased array receiver operating at 21cm wavelength that is under development for the GBT. It will produce multiple beams over a wide field of view with a sensitivity competitive with that of single-pixel receivers, allowing rapid astronomical surveys. FLAG is a collaboration between BYU, WVU, and NRAO.Also under development is a mm-wave phased array receiver for the GBT, designed to operate near 90 GHz as a prototype for very large format phased array receivers in the 3mm band. It is a collaboration between UMass and BYU.VEGAS is the new spectrometer for the GBT, offering multiple configurations well matched to GBT receivers from 1 to 100 GHz and suitable for use with focal plane arrays. It is a collaboration between UCal (Berkeley) and NRAO.The new receivers and spectrometers create extremely big data

New Molecular Detections in TMC-1 with the Green Bank Telescope: Carbon-Chain and Aromatic Molecules

Science.gov (United States)

Burkhardt, Andrew Michael

2018-01-01

Polycyclic aromatic hydrocarbons (PAHs) and polycyclic aromatic nitrogen heterocycles PA(N)Hs are believed to be widespread throughout the Universe, and are likely responsible for the unidentified infrared bands. However, the individual detection of aromatic molecules has been limited to a single weak absorption feature of an infrared bending mode of benzene (c-C6H6). The cold core TMC-1 has long been a source of new molecular detections, particularly for unsaturated carbon-rich molecules that are appealing potential precursors of PA(N)Hs. Through deep observations with the Green Bank Telescope of TMC-1, we report the first rotational detection of an aromatic molecule, benzonitrile (c-C6H5CN), along with 8 new isotopologues of HC5N and HC7N and an entirely new molecular family (HC5O, HC7O). These new detections provide crucial insights to the formation of PAHs and the underlying carbon-chain chemistry of dark clouds.

Fusion Neutronic Source deuterium endash tritium neutron spectrum measurements using natural diamond detectors

International Nuclear Information System (INIS)

Krasilnikov, A.V.; Kaneko, J.; Isobe, M.; Maekawa, F.; Nishitani, T.

1997-01-01

Two natural diamond detectors (NDDs) operating at room temperature were used for Fusion Neutronics Source (FNS) deuterium endash tritium (DT) neutron spectra measurements at different points around the tritium target and for different deuteron beam energies. Energy resolution of both NDDs were measured, with values 1.95% and 2.8%. Due to the higher energy resolution of one of the two NDDs studied it was possible to measure the shape of the DT neutron energy distribution and its broadening due to deuteron scattering inside the target. The influence of pulse pileup on the energy resolution of the combined system (NDD+electronics) at count rates up to 3.8x10 5 counts/s was investigated. A 3.58% energy resolution for the spectrometric system based on NDD and a 0.25 μs shaping time amplifier has been measured at a count rate of 5.7x10 5 counts/s. It is shown that special development of a fast pulse signal processor is necessary for NDD based spectrometry at count rates of approximately 10 6 counts/s. copyright 1997 American Institute of Physics

The influence of banking and borrowing under different penalty regimes in tradable green certificate markets - results from an experimental economics laboratory experiment

International Nuclear Information System (INIS)

Schaeffer, G.J.; Sonnemans, J.

2000-01-01

A theoretical study to asses the influence of banking and borrowing under various penalty systems for tradable green certificates (TGC) is described. It was shown that at least in theory, TGC systems can be an effective and efficient means of encouraging the use of renewables. The study focused on market dynamics in situations where the obligatory demand of the market must deal with fines for non-compliance. The laboratory experiment is described in detail and flow diagrams are shown. The author claims that experiments of this type can add to the understanding of environmental and market dynamics. A list of policy implications and recommendations is given

DETECTION OF E-CYANOMETHANIMINE TOWARD SAGITTARIUS B2(N) IN THE GREEN BANK TELESCOPE PRIMOS SURVEY

Energy Technology Data Exchange (ETDEWEB)

Zaleski, Daniel P.; Seifert, Nathan A.; Steber, Amanda L.; Muckle, Matt T.; Loomis, Ryan A.; Vasquez, David; Nyiramahirwe, Jolie; Sciortino, Nicole; Johnson, Kennedy; Pate, Brooks H. [Department of Chemistry, University of Virginia, McCormick Road, Charlottesville, VA 22904 (United States); Corby, Joanna F. [Department of Astronomy, University of Virginia, McCormick Road, Charlottesville, VA 22904 (United States); Martinez, Oscar Jr.; Crabtree, Kyle N.; McCarthy, Michael C. [Harvard-Smithsonian Center for Astrophysics, 60 Garden Street, Cambridge, MA 02138 (United States); Jewell, Philip R.; Remijan, Anthony J. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22903-2475 (United States); Hollis, Jan M. [NASA Goddard Space Flight Center, Greenbelt, MD 20771 (United States); Lovas, Frank J., E-mail: bp2k@virginia.edu, E-mail: mccarthy@cfa.harvard.edu, E-mail: aremijan@nrao.edu [National Institute of Standards and Technology, Gaithersburg, MD 20899 (United States)

2013-03-01

The detection of E-cyanomethanimine (E-HNCHCN) toward Sagittarius B2(N) is made by comparing the publicly available Green Bank Telescope (GBT) PRIMOS survey spectra to laboratory rotational spectra from a reaction product screening experiment. The experiment uses broadband molecular rotational spectroscopy to monitor the reaction products produced in an electric discharge source using a gas mixture of NH{sub 3} and CH{sub 3}CN. Several transition frequency coincidences between the reaction product screening spectra and previously unassigned interstellar rotational transitions in the PRIMOS survey have been assigned to E-cyanomethanimine. A total of eight molecular rotational transitions of this molecule between 9 and 50 GHz are observed with the GBT. E-cyanomethanimine, often called the HCN dimer, is an important molecule in prebiotic chemistry because it is a chemical intermediate in proposed synthetic routes of adenine, one of the two purine nucleobases found in DNA and RNA. New analyses of the rotational spectra of both E-cyanomethanimine and Z-cyanomethanimine that incorporate previous millimeter-wave measurements are also reported.

DETECTION OF E-CYANOMETHANIMINE TOWARD SAGITTARIUS B2(N) IN THE GREEN BANK TELESCOPE PRIMOS SURVEY

International Nuclear Information System (INIS)

Zaleski, Daniel P.; Seifert, Nathan A.; Steber, Amanda L.; Muckle, Matt T.; Loomis, Ryan A.; Vasquez, David; Nyiramahirwe, Jolie; Sciortino, Nicole; Johnson, Kennedy; Pate, Brooks H.; Corby, Joanna F.; Martinez, Oscar Jr.; Crabtree, Kyle N.; McCarthy, Michael C.; Jewell, Philip R.; Remijan, Anthony J.; Hollis, Jan M.; Lovas, Frank J.

2013-01-01

The detection of E-cyanomethanimine (E-HNCHCN) toward Sagittarius B2(N) is made by comparing the publicly available Green Bank Telescope (GBT) PRIMOS survey spectra to laboratory rotational spectra from a reaction product screening experiment. The experiment uses broadband molecular rotational spectroscopy to monitor the reaction products produced in an electric discharge source using a gas mixture of NH 3 and CH 3 CN. Several transition frequency coincidences between the reaction product screening spectra and previously unassigned interstellar rotational transitions in the PRIMOS survey have been assigned to E-cyanomethanimine. A total of eight molecular rotational transitions of this molecule between 9 and 50 GHz are observed with the GBT. E-cyanomethanimine, often called the HCN dimer, is an important molecule in prebiotic chemistry because it is a chemical intermediate in proposed synthetic routes of adenine, one of the two purine nucleobases found in DNA and RNA. New analyses of the rotational spectra of both E-cyanomethanimine and Z-cyanomethanimine that incorporate previous millimeter-wave measurements are also reported.

Detection of Interstellar HC5O in TMC-1 with the Green Bank Telescope

Science.gov (United States)

McGuire, Brett A.; Burkhardt, Andrew M.; Shingledecker, Christopher N.; Kalenskii, Sergei V.; Herbst, Eric; Remijan, Anthony J.; McCarthy, Michael C.

2017-07-01

We report the detection of the carbon-chain radical HC5O for the first time in the interstellar medium toward the cold core TMC-1 using the 100 m Green Bank Telescope. We observe four hyperfine components of this radical in the J=17/2\\to 15/2 rotational transition that originates from the {}2{{{\\Pi }}}1/2 fine structure level of its ground state and calculate an abundance of n/{n}{H2}=1.7× {10}-10, assuming an excitation temperature of {T}{ex}=7 K. No indication of HC3O, HC4O, or HC6O, is found in these or archival observations of the source, while we report tentative evidence for HC7O. We compare calculated upper limits and the abundance of HC5O to predictions based on (1) the abundance trend of the analogous HC n N family in TMC-1 and (2) a gas-grain chemical model. We find that the gas-grain chemical model well reproduces the observed abundance of HC5O, as well as the upper limits of HC3O, HC6O, and HC7O, but HC4O is overproduced. The prospects for astronomical detection of both shorter and longer HC n O chains are discussed.

Engaging the banks: financing small-scale renewables in the developing world

International Nuclear Information System (INIS)

Usher, E.; Touhami, M.

2006-01-01

This article reports on the UN Environment Programme's (UNEP's) work in supporting the banking and financing sector by creating clean energy finance markets in developing countries. Details are given of the shifting of cash markets to credit, financing solar home systems in India, solar thermal lending in Tunisia, the financing of hotel based solar water heating in Morocco, and the Green Village Credit initiatives in the Yunnan province of China. The importance of providing banks with information needed to gain awareness and experience of renewable energy systems is stressed. The fundamentals of a bank engagement programme, financial catalysts, structuring market oriented approaches, and linking bank lending to policy making are discussed along with the need to shift to credit enhancements to help banks set up their first loan portfolios

Engaging the banks: financing small-scale renewables in the developing world

Energy Technology Data Exchange (ETDEWEB)

Usher, E.; Touhami, M.

2006-05-15

This article reports on the UN Environment Programme's (UNEP's) work in supporting the banking and financing sector by creating clean energy finance markets in developing countries. Details are given of the shifting of cash markets to credit, financing solar home systems in India, solar thermal lending in Tunisia, the financing of hotel based solar water heating in Morocco, and the Green Village Credit initiatives in the Yunnan province of China. The importance of providing banks with information needed to gain awareness and experience of renewable energy systems is stressed. The fundamentals of a bank engagement programme, financial catalysts, structuring market oriented approaches, and linking bank lending to policy making are discussed along with the need to shift to credit enhancements to help banks set up their first loan portfolios.

Computational investigation of single mode vs multimode Rayleigh endash Taylor seeding in Z-pinch implosions

International Nuclear Information System (INIS)

Douglas, M.R.; Deeney, C.; Roderick, N.F.

1998-01-01

A series of two-dimensional magnetohydrodynamic calculations have been carried out to investigate single and multimode growth and mode coupling for magnetically-driven Rayleigh endash Taylor instabilities in Z pinches. Wavelengths ranging from 5.0 mm down to 1.25 mm were considered. Such wavelengths are comparable to those observed at stagnation using a random density open-quotes seedingclose quotes method. The calculations show that wavelengths resolved by less than 10 cells exhibit an artificial decrease in initial Fourier spectrum amplitudes and a reduction in the corresponding amplitude growth. Single mode evolution exhibits linear exponential growth and the development of higher harmonics as the mode transitions into the nonlinear phase. The mode growth continues to exponentiate but at a slower rate than determined by linear hydrodynamic theory. In the two and three mode case, there is clear evidence of mode coupling and inverse cascade. In addition, distinct modal patterns are observed late in the implosion, resulting from finite shell thickness and magnetic field effects. copyright 1998 American Institute of Physics. thinsp

No Bursts Detected from FRB121102 in Two 5 hr Observing Campaigns with the Robert C. Byrd Green Bank Telescope

Science.gov (United States)

Price, Danny C.; Gajjar, Vishal; Rosenthal, Lee; Hallinan, Gregg; Croft, Steve; DeBoer, David; Hellbourg, Greg; Isaacson, Howard; Lebofsky, Matt; Lynch, Ryan; MacMahon, David H. E.; Men, Yunpeng; Xu, Yonghua; Liu, Zhiyong; Lee, Kejia; Siemion, Andrew

2018-02-01

Here, we report non-detection of radio bursts from Fast Radio Burst FRB 121102 during two 5-hour observation sessions on the Robert C. Byrd 100-m Green Bank Telescope in West Virginia, USA, on December 11, 2017, and January 12, 2018. In addition, we report non-detection during an abutting 10-hour observation with the Kunming 40-m telescope in China, which commenced UTC 10:00 January 12, 2018. These are among the longest published contiguous observations of FRB 121102, and support the notion that FRB 121102 bursts are episodic. These observations were part of a simultaneous optical and radio monitoring campaign with the the Caltech HIgh- speed Multi-color CamERA (CHIMERA) instrument on the Hale 5.1-m telescope.

Radio observations of comets 41P/Tuttle-Giacobini-Kresák and 45P/Honda-Mrkos-Pajdušáková with the Green Bank Telescope

Science.gov (United States)

Lovell, Amy J.; Amason, Charlee; Howell, Ellen S.; Presler-Marshall, Brynn A.; Reid, Sarah E.; Cunningham, Nichol; Frayer, David T.; Lockman, Felix J.; Church, Sarah E.

2017-10-01

We obtained 18cm OH spectra of comets 41P/Tuttle-Giacobini-Kresák (TGK) in early 2017 and 45P/Honda-Mrkos-Pajdušáková (HMP) in late 2016 and early 2017, using the Green Bank Observatory 100m R. W. Byrd Green Bank Telescope (GBT). Spectra of both comets were obtained at 1667 and 1665 MHz (18cm wavelength) with a beam resolution of 7.4 arcminutes. In spite of their close approaches to Earth, we only detected OH spectral lines with the telescope beam centered on the nucleus of the comets, so we are unable to make a direct constraint on collisional quenching, but using estimated quenching, we can obtain estimates for gas production rates. Spectral line widths and derived gas outflow velocities are low compared to other comets at these heliocentric distances, particularly for HMP, with best-fit water outflow velocities of 0.7-0.8 km/s at production rates around 2 x 1028 molecules per second. Best-fit velocities for TGK in mid-March, 2017 averaged 0.84 ± 0.04 km/s with gas production rates 1-2 x 1027 molecules per second. In addition, we obtained Director's Discretionary Time to employ the ARGUS mapping spectrometer at 90 GHz (3mm) to constrain emissions from HCN and HCO+. We will present gas outflow velocities for each detection and gas production rates or upper limits, as derived from best fits of Monte Carlo simulations.

Do bank loans and local amenities explain Chinese urban house prices?

OpenAIRE

Huang, Daisy J.; Leung, Charles Ka Yui; Qu, Baozhi

2015-01-01

Based on Chinese city-level data from 1999 to 2012 and controlling for geological, environmental, and social diversity, this study suggests that credit plays a significant role in driving up house prices after the Great Recession, whereas property prices only influence bank lending before 2008. Local amenities such as higher education, green infrastructure, healthcare, and climate also positively affect house prices. Moreover, the impacts of bank loans on housing prices tend to be related to ...

Going Retail CITIC Bank is ready for an ambitious,consumer-oriented business expan sion after receiving an enormous capital infusion from its parent group

Institute of Scientific and Technical Information of China (English)

无

2006-01-01

Late last November, the CITIC Industrial Bank, a Beijing-based lender, stepped up its internal restructuring process after being given the green light from the China Banking Regulatory Commission (CBRC), the nation's banking watchdog, to change its name to China CITIC Bank. The "Industrial"

Analisis Pengaruh Green Product dan Green Advertising terhadap Keterlibatan Konsumen dan Dampaknya pada Keputusan Pembelian Konsumen Laksmie Florist

Directory of Open Access Journals (Sweden)

Tinjung Desy Nursanti

2011-11-01

Full Text Available Marketing-oriented concept of community not only relies on community needs, but also can bring prosperity through environmental responsibility around; in this case the product and the marketing are more environmentally friendly. Application of green products and green advertising might attract widespread public sympathy, and even requirements for operational permits, production and ease of obtaining bank credit facility or tax relief may be considered by the government that is now more incentive to campaign for the concept and implementation of policies and regulations of corporate social responsibility. The objectives of this study was to determine whether there is influence of green product and green advertising toward consumer involvement and also its impact on consumer purchasing decisions Laksmi florist company. A survey with analysis of individual consumer of Lakmi florist is conducted, while path analysis is used to determine the effect among variables. The results showed that green advertising as well as green product provide a positive and significant influence on consumer involvement that have an impact on consumer purchasing decisions of Laksmi Florist company. 

Non-markovian boltzmann equation

International Nuclear Information System (INIS)

Kremp, D.; Bonitz, M.; Kraeft, W.D.; Schlanges, M.

1997-01-01

A quantum kinetic equation for strongly interacting particles (generalized binary collision approximation, ladder or T-matrix approximation) is derived in the framework of the density operator technique. In contrast to conventional kinetic theory, which is valid on large time scales as compared to the collision (correlation) time only, our approach retains the full time dependencies, especially also on short time scales. This means retardation and memory effects resulting from the dynamics of binary correlations and initial correlations are included. Furthermore, the resulting kinetic equation conserves total energy (the sum of kinetic and potential energy). The second aspect of generalization is the inclusion of many-body effects, such as self-energy, i.e., renormalization of single-particle energies and damping. To this end we introduce an improved closure relation to the Bogolyubov endash Born endash Green endash Kirkwood endash Yvon hierarchy. Furthermore, in order to express the collision integrals in terms of familiar scattering quantities (Mo/ller operator, T-matrix), we generalize the methods of quantum scattering theory by the inclusion of medium effects. To illustrate the effects of memory and damping, the results of numerical simulations are presented. copyright 1997 Academic Press, Inc

Cross section for the 103Rh(n,n')103Rhm reaction in the energy range 5.7 endash 12 MeV

International Nuclear Information System (INIS)

Miah, M.M.; Strohmaier, B.; Vonach, H.; Mannhart, W.; Schmidt, D.

1996-01-01

The 103 Rh(n,n ' ) 103 Rh m cross section was measured by the activation method in the neutron energy range 5.7 endash 12 MeV with an uncertainty of ≅5%. Monoenergetic neutrons produced by the D(d,n) 3 He reaction were used to irradiate metallic Rh samples at 0 degree relative to the deuteron beam. The K x rays from 103 Rh m were measured with a calibrated Si detector, and the neutron fluence was determined by means of a 238 U fission chamber. The measured cross sections resolve the discrepancies in previous data and agree with the results of recent statistical model calculations of the fast-neutron cross sections of rhodium. copyright 1996 The American Physical Society

Green Bank Telescope Observations of HI in the circumgalactic medium of M31

Science.gov (United States)

Denny, Lucas; Early, Laura; Berg, Michelle; Howk, Chris; Lehner, Nicolas; Lockman, Felix; wotta, Christopher

2018-01-01

The nearby spiral galaxy M31 contains an extensive gaseous circumgalactic medium (CGM) that is being studied in project AMIGA, a large HST program to obtain UV spectroscopy of the CGM in absorption against background AGN. As part of this project, sensitive HI 21cm emission observations were made using the Robert C. Byrd Green Bank Telescope (GBT) toward 48 AGN at impact parameters between 25 kpc and 340 kpc. No emission was detected to a 5-sigma limit on log(NHI) of 17.6 cm-2 (Howk et al 2017, ApJ, 846, 141). We now report on a search for HI emission in 1x1 degree fields around 8 of the AGN to 5-sigma limits on log(NHI) of 17.9 cm-2. The new observations cover ~10 times the area of the M31 CGM covered by the Howk et al pointings, though at somewhat reduced sensitivity. Again, no HI emission was detected with the exception of the "Davies Cloud", a high-velocity cloud of M31 that has been known for some time. We will discuss the absence of significant HI emission in the context of the COS-Halos study of 44 galaxies at z~0.2, and how this finding may relate to the existence of HI clouds between M31 and M33 (Wolfe et al. 2016, ApJ, 816, 81).The GBT is a facility of the National Science Foundation, operated under a cooperative agreement by Associated Universities, Inc.

THE GREEN BANK TELESCOPE H II REGION DISCOVERY SURVEY. III. KINEMATIC DISTANCES

Energy Technology Data Exchange (ETDEWEB)

Anderson, L. D. [Department of Physics, West Virginia University, Morgantown, WV 26506 (United States); Bania, T. M. [Institute for Astrophysical Research, Department of Astronomy, Boston University, 725 Commonwealth Avenue, Boston, MA 02215 (United States); Balser, Dana S. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22903-2475 (United States); Rood, Robert T., E-mail: Loren.Anderson@mail.wvu.edu [Astronomy Department, University of Virginia, P.O. Box 3818, Charlottesville, VA 22903-0818 (United States)

2012-07-20

Using the H I emission/absorption method, we resolve the kinematic distance ambiguity and derive distances for 149 of 182 (82%) H II regions discovered by the Green Bank Telescope H II Region Discovery Survey (GBT HRDS). The HRDS is an X-band (9 GHz, 3 cm) GBT survey of 448 previously unknown H II regions in radio recombination line and radio continuum emission. Here, we focus on HRDS sources from 67 Degree-Sign {>=} l {>=} 18 Degree-Sign , where kinematic distances are more reliable. The 25 HRDS sources in this zone that have negative recombination line velocities are unambiguously beyond the orbit of the Sun, up to 20 kpc distant. They are the most distant H II regions yet discovered. We find that 61% of HRDS sources are located at the far distance, 31% at the tangent-point distance, and only 7% at the near distance. 'Bubble' H II regions are not preferentially located at the near distance (as was assumed previously) but average 10 kpc from the Sun. The HRDS nebulae, when combined with a large sample of H II regions with previously known distances, show evidence of spiral structure in two circular arc segments of mean Galactocentric radii of 4.25 and 6.0 kpc. We perform a thorough uncertainty analysis to analyze the effect of using different rotation curves, streaming motions, and a change to the solar circular rotation speed. The median distance uncertainty for our sample of H II regions is only 0.5 kpc, or 5%. This is significantly less than the median difference between the near and far kinematic distances, 6 kpc. The basic Galactic structure results are unchanged after considering these sources of uncertainty.

Spectroscopy of the {sup 29}Si({ital p},{gamma}) reaction for {ital E}{sub {ital p}}=1.75{endash}2.51 MeV

Energy Technology Data Exchange (ETDEWEB)

Wallace, P.M.; Bilpuch, E.G.; Bybee, C.R.; Mitchell, G.E.; Moore, E.F.; Shriner, J.D.; Shriner, J.F. Jr.; Vavrina, G.A.; Westerfeldt, C.R. [Duke University, Durham, North Carolina 27708 (United States)]|[Triangle Universities Nuclear Laboratory, Durham, North Carolina 27708 North Carolina State University, Raleigh, North Carolina 27695 (United States)]|[Triangle Universities Nuclear Laboratory, Durham, North Carolina 27708 Tennessee Technological University, Cookeville, Tennessee 38505 (United States)

1996-12-01

The {sup 29}Si({ital p},{gamma}) reaction has been studied for 30 resonances in the range {ital E}{sub {ital p}}=1.75{endash}2.51 MeV. Branching ratios have been measured for 28 of these resonances. The separation energy {ital S}{sub {ital p}} for {sup 30}P has been determined to be 5594.5{plus_minus}0.5 keV. Improved spin, parity, and isospin assignments have been made to a number of the resonant states. A new level has been identified in {sup 30}P at {ital E}{sub {ital x}}=6006 keV, and its {gamma}-ray branching ratios have been measured. {copyright} {ital 1996 The American Physical Society.}

Nature of the Blue-Phase-III endash isotropic critical point: An analogy with the liquid-gas transition

International Nuclear Information System (INIS)

Anisimov, M.A.; Agayan, V.A.; Collings, P.J.

1998-01-01

The analogy with the liquid-gas critical point is analyzed to clarify the nature of the pretransitional behavior of physical properties in the vicinity of the Blue-Phase-III endash isotropic transition in chiral liquid crystalline systems. The analogy is unusual: temperature serves as the ordering field and entropy plays the role of the order parameter. Both mean field and parametric equations of state are formulated in terms of scaling fields. The scaling fields are linear combinations of the physical fields, which are temperature and chirality. It is shown that mixing of the physical field variables naturally leads to a strong asymmetry with respect to the transition temperature in the behavior of the physical properties that cannot be described by simple power laws. While the mean field theory gives a good description of the experimental data, the scaling theory, if one incorporates mixing of the field variables, gives even better agreement with the experimental data, placing this transition in the same universality class as the three-dimensional Ising model. copyright 1998 The American Physical Society

[Soil seed bank research of China mining areas: necessity and challenges].

Science.gov (United States)

Chang, Qing; Zhang, Da-Wei; Li, Xue; Peng, Jian; Guan, Ai-Nong; Liu, Xiao-Si

2011-05-01

Soil seed bank consists of all living seeds existed in soil and its surface litter, especially in topsoil, and can reflect the characteristics of regional biodiversity. As the base of vegetation restoration and potential greening material, topsoil and its seed bank are the limited and non-renewable resources in mining areas. The study of soil seed bank has become one of the hotspots in the research field of vegetation restoration and land reclamation in China mining areas. Owing to the special characteristics of mining industry, the soil seed bank study of mining areas should not only concern with the seed species, quantities, and their relations with ground surface vegetation, but also make use of the research results on the soil seed bank of other fragile habitats. Besides, a breakthrough should be sought in the thinking ways and research approach. This paper analyzed the particularity of mining area's soil seek bank research, summarized the research progress in the soil seed bank of mining areas and other fragile habitats, and put forward the challenges we are facing with. It was expected that this paper could help to reinforce the soil seed bank research of China mining areas, and provide scientific guidelines for taking great advantage of the significant roles of soil seed bank in land reclamation and vegetation restoration in the future.

Point Climat no. 14 'Financing the transition to a green economy: their word is their (green) bond?'

International Nuclear Information System (INIS)

Morel, Romain; Bordier, Cecile

2012-01-01

Among the publications of CDC Climat Research, 'Climate Briefs' presents, in a few pages, hot topics in climate change policy. This issue addresses the following points: Responding to climate change involves the implementation of initiatives that require significant up-front capital investment. At a time when bank lending is squeezed, green bonds offer an alternative financing for initiatives with an environmental goal. Lately, the Ile-de-France Region's issuance of environmentally and socially responsible bonds on March 20 2012 demonstrates that an increasing number of players are taking interest in this tool. But green bonds are not, however, the panacea to access to finance issues that mainly depend on the bond issuer's characteristics

Green and social bonds - A promising tool

International Nuclear Information System (INIS)

Blanc, Dominique; Barochez, Aurelie de; Cozic, Aela

2013-11-01

Issues of green bonds, socially responsible bonds and climate bonds are on the rise. Novethic estimates that some Euro 5 billion in such bonds has been issued since the start of 2013 by development banks, the main issuers of this type of debt. The figure is equal to over half of their total issues since 2007. Including local authorities, corporations and banks, a total Euro 8 billion of these bonds has been issued thus far in 2013. Given the size of the bond market, which the OECD estimated at Euro 95,000 billion in 2011, green and social bonds are still something of a niche but have strong growth potential. A number of large issues, from Euro 500 million to Euro 1 billion, were announced at the end of the year. Unlike conventional bonds, green and social bonds are not intended to finance all the activities of the issuer or refinance its debt. They serve instead to finance specific projects, such as producing renewable energy or adapting to climate change, the risk of which is shouldered by the issuer. This makes them an innovative instrument, used to earmark investments in projects with a direct environmental or social benefit rather than simply on the basis of the issuer's sustainable development policy. With financing being sought for the ecological transition, green and social bonds are promising instruments, sketching out at global level the shape of tools adapted to the financing of a green economy. On the strength of these advantages, the interest of responsible investors - the main target of green and social bond issuers - is growing fast. Judging by issuer press releases and the most commonly used currencies, the main subscribers today are US investors, among them CalSTRS and fund managers like Calvert Investment Management and Trillium Asset Management. European asset owners are also starting to focus on green and social bonds. A Novethic survey shows that 13% of them have already subscribed to such an issue or plan to do so. The present study

THE GREEN BANK TELESCOPE H II REGION DISCOVERY SURVEY. IV. HELIUM AND CARBON RECOMBINATION LINES

Energy Technology Data Exchange (ETDEWEB)

Wenger, Trey V.; Bania, T. M. [Astronomy Department, 725 Commonwealth Avenue, Boston University, Boston, MA 02215 (United States); Balser, Dana S. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA, 22903-2475 (United States); Anderson, L. D. [Department of Physics, West Virginia University, Morgantown, WV 26506 (United States)

2013-02-10

The Green Bank Telescope H II Region Discovery Survey (GBT HRDS) found hundreds of previously unknown Galactic regions of massive star formation by detecting hydrogen radio recombination line (RRL) emission from candidate H II region targets. Since the HRDS nebulae lie at large distances from the Sun, they are located in previously unprobed zones of the Galactic disk. Here, we derive the properties of helium and carbon RRL emission from HRDS nebulae. Our target sample is the subset of the HRDS that has visible helium or carbon RRLs. This criterion gives a total of 84 velocity components (14% of the HRDS) with helium emission and 52 (9%) with carbon emission. For our highest quality sources, the average {sup 4}He{sup +}/H{sup +} abundance ratio by number, (y {sup +}), is 0.068 {+-} 0.023(1{sigma}). This is the same ratio as that measured for the sample of previously known Galactic H II regions. Nebulae without detected helium emission give robust y {sup +} upper limits. There are 5 RRL emission components with y {sup +} less than 0.04 and another 12 with upper limits below this value. These H II regions must have either a very low {sup 4}He abundance or contain a significant amount of neutral helium. The HRDS has 20 nebulae with carbon RRL emission but no helium emission at its sensitivity level. There is no correlation between the carbon RRL parameters and the 8 {mu}m mid-infrared morphology of these nebulae.

Detection of HC5N and HC7N Isotopologues in TMC-1 with the Green Bank Telescope

Science.gov (United States)

Burkhardt, A. M.; Herbst, E.; Kalenskii, S. V.; McCarthy, M. C.; Remijan, A. J.; McGuire, B. A.

2018-03-01

We report the first interstellar detection of DC7N and six 13C-bearing isotopologues of HC7N towards the dark cloud TMC-1 through observations with the Green Bank Telescope, and confirm the recent detection of HC515N. For the average of the 13C isotopomers, DC7N, and HC515N, we derive column densities of 1.9(2) × 1011, 2.5(9) × 1011, and 1.5(4) × 1011 cm-2, respectively. The resulting isotopic ratios are consistent with previous values derived from similar species in the source, and we discuss the implications for the formation chemistry of the observed cyanopolyynes. Within our uncertainties, no significant 13C isotopomer variation is found for HC7N, limiting the significance CN could have in its production. The results further show that, for all observed isotopes, HC5N may be isotopically depleted relative to HC3N and HC7N, suggesting that reactions starting from smaller cyanopolyynes may not be efficient to form HCnN. This leads to the conclusion that the dominant production route may be the reaction between hydrocarbon ions and nitrogen atoms.

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.

Physical processes and sedimentation on a broad, shallow bank

Science.gov (United States)

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

1982-02-01

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

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...

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

Directory of Open Access Journals (Sweden)

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.

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.

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

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

2017-01-01

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

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

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

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

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

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Yuliya Onyshchenko

2015-11-01

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

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...

Towards green loyalty: the influences of green perceived risk, green image, green trust and green satisfaction

Science.gov (United States)

Chrisjatmiko, K.

2018-01-01

The paper aims to present a comprehensive framework for the influences of green perceived risk, green image, green trust and green satisfaction to green loyalty. The paper also seeks to account explicitly for the differences in green perceived risk, green image, green trust, green satisfaction and green loyalty found among green products customers. Data were obtained from 155 green products customers. Structural equation modeling was used in order to test the proposed hypotheses. The findings show that green image, green trust and green satisfaction has positive effects to green loyalty. But green perceived risk has negative effects to green image, green trust and green satisfaction. However, green perceived risk, green image, green trust and green satisfaction also seems to be a good device to gain green products customers from competitors. The contributions of the paper are, firstly, a more complete framework of the influences of green perceived risk, green image, green trust and green satisfaction to green loyalty analyses simultaneously. Secondly, the study allows a direct comparison of the difference in green perceived risk, green image, green trust, green satisfaction and green loyalty between green products customers.

Technology Trust and E-Banking Adoption: The Mediating Effect of Customer Relationship Management Performance

Directory of Open Access Journals (Sweden)

Samsudin Wahab

2012-01-01

Full Text Available The electronic revolution in the Malaysian banking sector has started in the 1970's. The first visible form of electronic innovation in the Malaysian banking industry was the introduction of Automated Teller Machines in 1981. Finally, on June 1, 2000, the Malaysian Central Bank gave the green light for locally owned commercial banks to offer Internet banking services. Due to the drastic changes in the business environment, it leads financial institutions to revise their marketing strategies to stress long-lasting relationships with customers. Relationships is important criteria in the selection of private bank. In many conditions, customer satisfaction mediates the relationship between antecedent’s factors and marketing performance. Hence, CRM performance is about maintaining good relationship and repurchases behavior, word-of-mouth and customer retention. Trust has been studied in traditional physical commercial environments. In the marketing and management literatures, trust is strongly associated with attitudes toward products, services, and purchasing behaviors. So that, the main objective of this research paper is to investigate the role of CRM performance as the mediator in the relationship between trust and E-Banking adoption. Hence, this empirical paper confirmed the role of customer relationship management performance as the mediators in the relationship between trust and electronic banking adoption.Key words: Trust, Customer Relationship Management Performance, E-Banking Adoption

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.

Improved Weather Forecasting for the Dynamic Scheduling System of the Green Bank Telescope

Science.gov (United States)

Henry, Kari; Maddalena, Ronald

2018-01-01

The Robert C Byrd Green Bank Telescope (GBT) uses a software system that dynamically schedules observations based on models of vertical weather forecasts produced by the National Weather Service (NWS). The NWS provides hourly forecasted values for ~60 layers that extend into the stratosphere over the observatory. We use models, recommended by the Radiocommunication Sector of the International Telecommunications Union, to derive the absorption coefficient in each layer for each hour in the NWS forecasts and for all frequencies over which the GBT has receivers, 0.1 to 115 GHz. We apply radiative transfer models to derive the opacity and the atmospheric contributions to the system temperature, thereby deriving forecasts applicable to scheduling radio observations for up to 10 days into the future. Additionally, the algorithms embedded in the data processing pipeline use historical values of the forecasted opacity to calibrate observations. Until recently, we have concentrated on predictions for high frequency (> 15 GHz) observing, as these need to be scheduled carefully around bad weather. We have been using simple models for the contribution of rain and clouds since we only schedule low-frequency observations under these conditions. In this project, we wanted to improve the scheduling of the GBT and data calibration at low frequencies by deriving better algorithms for clouds and rain. To address the limitation at low frequency, the observatory acquired a Radiometrics Corporation MP-1500A radiometer, which operates in 27 channels between 22 and 30 GHz. By comparing 16 months of measurements from the radiometer against forecasted system temperatures, we have confirmed that forecasted system temperatures are indistinguishable from those measured under good weather conditions. Small miss-calibrations of the radiometer data dominate the comparison. By using recalibrated radiometer measurements, we looked at bad weather days to derive better models for forecasting the

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

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

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

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

Bank 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.

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

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.

THE GREEN BANK TELESCOPE 350 MHz DRIFT-SCAN SURVEY II: DATA ANALYSIS AND THE TIMING OF 10 NEW PULSARS, INCLUDING A RELATIVISTIC BINARY

Energy Technology Data Exchange (ETDEWEB)

Lynch, Ryan S.; Kaspi, Victoria M.; Archibald, Anne M.; Karako-Argaman, Chen [Department of Physics, McGill University, 3600 University Street, Montreal, QC H3A 2T8 (Canada); Boyles, Jason; Lorimer, Duncan R.; McLaughlin, Maura A.; Cardoso, Rogerio F. [Department of Physics, West Virginia University, 111 White Hall, Morgantown, WV 26506 (United States); Ransom, Scott M. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22903 (United States); Stairs, Ingrid H.; Berndsen, Aaron; Cherry, Angus; McPhee, Christie A. [Department of Physics and Astronomy, University of British Columbia, 6224 Agricultural Road, Vancouver, BC V6T 1Z1 (Canada); Hessels, Jason W. T.; Kondratiev, Vladislav I.; Van Leeuwen, Joeri [ASTRON, The Netherlands Institute for Radio Astronomy, Postbus 2, 7990-AA Dwingeloo (Netherlands); Epstein, Courtney R. [Department of Astronomy, Ohio State University, 140 West 18th Avenue, Columbus, OH 43210 (United States); Pennucci, Tim [Department of Astronomy, University of Virginia, P.O. Box 400325, Charlottesville, VA 22904 (United States); Roberts, Mallory S. E. [Eureka Scientific Inc., 2452 Delmer Street, Suite 100, Oakland, CA 94602 (United States); Stovall, Kevin, E-mail: rlynch@physics.mcgill.ca [Center for Advanced Radio Astronomy and Department of Physics and Astronomy, University of Texas at Brownsville, Brownsville, TX 78520 (United States)

2013-02-15

We have completed a 350 MHz Drift-scan Survey using the Robert C. Byrd Green Bank Telescope with the goal of finding new radio pulsars, especially millisecond pulsars that can be timed to high precision. This survey covered {approx}10,300 deg{sup 2} and all of the data have now been fully processed. We have discovered a total of 31 new pulsars, 7 of which are recycled pulsars. A companion paper by Boyles et al. describes the survey strategy, sky coverage, and instrumental setup, and presents timing solutions for the first 13 pulsars. Here we describe the data analysis pipeline, survey sensitivity, and follow-up observations of new pulsars, and present timing solutions for 10 other pulsars. We highlight several sources-two interesting nulling pulsars, an isolated millisecond pulsar with a measurement of proper motion, and a partially recycled pulsar, PSR J0348+0432, which has a white dwarf companion in a relativistic orbit. PSR J0348+0432 will enable unprecedented tests of theories of gravity.

The Breakthrough Listen Search for Intelligent Life: A Wideband Data Recorder System for the Robert C. Byrd Green Bank Telescope

Science.gov (United States)

MacMahon, David H. E.; Price, Danny C.; Lebofsky, Matthew; Siemion, Andrew P. V.; Croft, Steve; DeBoer, David; Enriquez, J. Emilio; Gajjar, Vishal; Hellbourg, Gregory; Isaacson, Howard; Werthimer, Dan; Abdurashidova, Zuhra; Bloss, Marty; Brandt, Joe; Creager, Ramon; Ford, John; Lynch, Ryan S.; Maddalena, Ronald J.; McCullough, Randy; Ray, Jason; Whitehead, Mark; Woody, Dave

2018-04-01

The Breakthrough Listen Initiative is undertaking a comprehensive search for radio and optical signatures from extraterrestrial civilizations. An integral component of the project is the design and implementation of wide-bandwidth data recorder and signal processing systems. The capabilities of these systems, particularly at radio frequencies, directly determine survey speed; further, given a fixed observing time and spectral coverage, they determine sensitivity as well. Here, we detail the Breakthrough Listen wide-bandwidth data recording system deployed at the 100 m aperture Robert C. Byrd Green Bank Telescope. The system digitizes up to 6 GHz of bandwidth at 8 bits for both polarizations, storing the resultant 24 GB s‑1 of data to disk. This system is among the highest data rate baseband recording systems in use in radio astronomy. A future system expansion will double recording capacity, to achieve a total Nyquist bandwidth of 12 GHz in two polarizations. In this paper, we present details of the system architecture, along with salient configuration and disk-write optimizations used to achieve high-throughput data capture on commodity compute servers and consumer-class hard disk drives.

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 ...

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.

GREEN BANK TELESCOPE OBSERVATIONS OF THE NH3 (3, 3) AND (6, 6) TRANSITIONS TOWARD SAGITTARIUS A MOLECULAR CLOUDS

International Nuclear Information System (INIS)

Minh, Young Chol; Liu, Hauyu Baobab; Ho, Paul T. P.; Hsieh, Pei-Ying; Su, Yu-Nung; Kim, Sungsoo S.; Wright, Melvyn

2013-01-01

Ammonia (3, 3) and (6, 6) transitions have been observed using the Green Bank Telescope toward the Sgr A region. The gas is mainly concentrated in 50 km s –1 and 20 km s –1 clouds located in a plane inclined to the galactic plane. These 'main' clouds appear to be virialized and influenced by the expansion of the supernova remnant Sgr A East. The observed emission shows very complicated features in the morphology and velocity structure. Gaussian multi-component fittings of the observed spectra revealed that various 'streaming' gas components exist all over the observed region. These components include those previously known as 'streamers' and 'ridges', but most of these components appear not to be directly connected to the major gas condensations (the 50 km s –1 and 20 km s –1 clouds). They are apparently located out of the galactic plane, and they may have a different origin than the major gas condensations. Some of the streaming components are expected to be sources that feed the circumnuclear disk of our Galactic center directly and episodically. They may also evolve differently than major gas condensations under the influence of the activities of the Galactic center

THE GREEN BANK TELESCOPE MAPS THE DENSE, STAR-FORMING GAS IN THE NEARBY STARBURST GALAXY M82

International Nuclear Information System (INIS)

Kepley, Amanda A.; Frayer, David; Leroy, Adam K.; Usero, Antonio; Marvil, Josh; Walter, Fabian

2014-01-01

Observations of the Milky Way and nearby galaxies show that dense molecular gas correlates with recent star formation, suggesting that the formation of this gas phase may help regulate star formation. A key test of this idea requires wide-area, high-resolution maps of dense molecular gas in galaxies to explore how local physical conditions drive dense gas formation, but these observations have been limited because of the faintness of dense gas tracers like HCN and HCO + . Here we demonstrate the power of the Robert C. Byrd Green Bank Telescope (GBT)—the largest single-dish millimeter radio telescope—for mapping dense gas in galaxies by presenting the most sensitive maps yet of HCN and HCO + in the starburst galaxy M82. The HCN and HCO + in the disk of this galaxy correlates with both recent star formation and more diffuse molecular gas and shows kinematics consistent with a rotating torus. The HCO + emission extending to the north and south of the disk is coincident with the outflow previously identified in CO and traces the eastern edge of the hot outflowing gas. The central starburst region has a higher ratio of star formation to dense gas than the outer regions, pointing to the starburst as a key driver of this relationship. These results establish that the GBT can efficiently map the dense molecular gas at 90 GHz in nearby galaxies, a capability that will increase further with the 16 element feed array under construction

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

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

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...

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...

Regional Banks in the Russian Banking System

Directory of Open Access Journals (Sweden)

Mikhail Vitalyevich Leonov

2015-06-01

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

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

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

The Green Bank Ammonia Survey: Observations of Hierarchical Dense Gas Structures in Cepheus-L1251

Science.gov (United States)

Keown, Jared; Di Francesco, James; Kirk, Helen; Friesen, Rachel K.; Pineda, Jaime E.; Rosolowsky, Erik; Ginsburg, Adam; Offner, Stella S. R.; Caselli, Paola; Alves, Felipe; Chacón-Tanarro, Ana; Punanova, Anna; Redaelli, Elena; Seo, Young Min; Matzner, Christopher D.; Chun-Yuan Chen, Michael; Goodman, Alyssa A.; Chen, How-Huan; Shirley, Yancy; Singh, Ayushi; Arce, Hector G.; Martin, Peter; Myers, Philip C.

2017-11-01

We use Green Bank Ammonia Survey observations of NH3 (1, 1) and (2, 2) emission with 32″ FWHM resolution from a ˜10 pc2 portion of the Cepheus-L1251 molecular cloud to identify hierarchical dense gas structures. Our dendrogram analysis of the NH3 data results in 22 top-level structures, which reside within 13 lower-level parent structures. The structures are compact (0.01 {pc}≲ {R}{eff}≲ 0.1 {pc}) and are spatially correlated with the highest H2 column density portions of the cloud. We also compare the ammonia data to a catalog of dense cores identified by higher-resolution (18.″2 FWHM) Herschel Space Observatory observations of dust continuum emission from Cepheus-L1251. Maps of kinetic gas temperature, velocity dispersion, and NH3 column density, derived from detailed modeling of the NH3 data, are used to investigate the stability and chemistry of the ammonia-identified and Herschel-identified structures. We show that the dust and dense gas in the structures have similar temperatures, with median T dust and T K measurements of 11.7 ± 1.1 K and 10.3 ± 2.0 K, respectively. Based on a virial analysis, we find that the ammonia-identified structures are gravitationally dominated, yet may be in or near a state of virial equilibrium. Meanwhile, the majority of the Herschel-identified dense cores appear to be not bound by their own gravity and instead confined by external pressure. CCS (20 - 10) and HC5N (9-8) emission from the region reveal broader line widths and centroid velocity offsets when compared to the NH3 (1, 1) emission in some cases, likely due to these carbon-based molecules tracing the turbulent outer layers of the dense cores.

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.

Green obligations at the service of the energy and ecological transition

International Nuclear Information System (INIS)

Laville, Dorine; Phantharangsi, Maryvonne; Monnoyer-Smith, Laurence; Besson, Leo

2016-09-01

Green obligations are an important lever for the financing of energy transition as they allow enterprises and public bodies to finance their environmental projects, notably their investments and infrastructures. They comprise a reporting on financed investments and the description of the green characteristic of the financed projects. This publication proposes an overview of this arrangement which has been introduced in 2007 and has been displaying a strong development since 2013, and was also boosted by the COP21. The market diversification and internationalisation are outlined, and concern large companies, private banks, and local and regional communities, with rather well identified objectives. The publication outlines that the precise definition of green obligations is however still missing, that private and public initiatives are emerging to structure this market. It finally outlines the need for a harmonisation of reporting standards

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...

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

GREEN BANK TELESCOPE OBSERVATIONS OF THE NH{sub 3} (3, 3) AND (6, 6) TRANSITIONS TOWARD SAGITTARIUS A MOLECULAR CLOUDS

Energy Technology Data Exchange (ETDEWEB)

Minh, Young Chol [Korea Astronomy and Space Science Institute, Daeduk-daero 776, Yuseong, Daejeon 305-348 (Korea, Republic of); Liu, Hauyu Baobab; Ho, Paul T. P.; Hsieh, Pei-Ying; Su, Yu-Nung [Institute of Astronomy and Astrophysics, Academia Sinica, P.O. Box 23-141, Taipei 10617, Taiwan (China); Kim, Sungsoo S. [Department of Astronomy and Space Science, Kyung Hee University, Yongin, Kyungki-do 446-701 (Korea, Republic of); Wright, Melvyn [Radio Astronomy Laboratory, University of California, Berkeley, 601 Campbell Hall, Berkeley, CA 94720 (United States)

2013-08-10

Ammonia (3, 3) and (6, 6) transitions have been observed using the Green Bank Telescope toward the Sgr A region. The gas is mainly concentrated in 50 km s{sup -1} and 20 km s{sup -1} clouds located in a plane inclined to the galactic plane. These 'main' clouds appear to be virialized and influenced by the expansion of the supernova remnant Sgr A East. The observed emission shows very complicated features in the morphology and velocity structure. Gaussian multi-component fittings of the observed spectra revealed that various 'streaming' gas components exist all over the observed region. These components include those previously known as 'streamers' and 'ridges', but most of these components appear not to be directly connected to the major gas condensations (the 50 km s{sup -1} and 20 km s{sup -1} clouds). They are apparently located out of the galactic plane, and they may have a different origin than the major gas condensations. Some of the streaming components are expected to be sources that feed the circumnuclear disk of our Galactic center directly and episodically. They may also evolve differently than major gas condensations under the influence of the activities of the Galactic center.

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...

Analysis of Environmental Accounting and Reporting Practices of Listed Banking Companies in Bangladesh

Directory of Open Access Journals (Sweden)

Md. Abdul Kaium Masud

2017-09-01

Full Text Available “Bangladesh faces many ecological challenges, including air and water contamination, land degradation, and waste management”. Bangladesh faces many ecological challenges, including air and water contamination, land degradation, and waste management. This study was designed to investigate the extent and nature of environmental accounting and reporting of listed banks in Bangladesh in 12 major categories. Information was collected from the annual reports of 20 banks listed on the Dhaka Stock Exchange for the period 2010 to 2014. The results indicate that the banks examined significantly disclosed environmental information for the 12 categories. The study found that banks disclosed the most environmental information for green banking and renewable energy categories, whereas they disclosed the least for environmental recognition and waste management categories. Furthermore, yearly comparison reveals that disclosure of environmental information increased sharply from 16% in 2010 to 83% in 2014. In addition, Bangladesh Bank’s recent fruitful initiatives on environmental disclosures were reviewed, and the findings of the 12 categories have managerial implications for policy makers in corporations as well as the government. It is recommended that professional accounting bodies of Bangladesh, along with international and government policy makers develop a separate conceptual framework for environmental accounting and reporting for the financial and non-financial sectors of the country.

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 GREEN BANK TELESCOPE MAPS THE DENSE, STAR-FORMING GAS IN THE NEARBY STARBURST GALAXY M82

Energy Technology Data Exchange (ETDEWEB)

Kepley, Amanda A.; Frayer, David [National Radio Astronomy Observatory, P.O. Box 2, Green Bank, WV 24944-0002 (United States); Leroy, Adam K. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22903-2475 (United States); Usero, Antonio [Observatorio Astronómico Nacional, C/Alfonso XII, 3, E-28014 Madrid (Spain); Marvil, Josh [Department of Physics, New Mexico Tech., 801 Leroy Place, Socorro, NM 87801 (United States); Walter, Fabian, E-mail: akepley@nrao.edu [Max Planck Institute fur Astronomie, Königstuhl 17, D-69117 Heidelberg (Germany)

2014-01-01

Observations of the Milky Way and nearby galaxies show that dense molecular gas correlates with recent star formation, suggesting that the formation of this gas phase may help regulate star formation. A key test of this idea requires wide-area, high-resolution maps of dense molecular gas in galaxies to explore how local physical conditions drive dense gas formation, but these observations have been limited because of the faintness of dense gas tracers like HCN and HCO{sup +}. Here we demonstrate the power of the Robert C. Byrd Green Bank Telescope (GBT)—the largest single-dish millimeter radio telescope—for mapping dense gas in galaxies by presenting the most sensitive maps yet of HCN and HCO{sup +} in the starburst galaxy M82. The HCN and HCO{sup +} in the disk of this galaxy correlates with both recent star formation and more diffuse molecular gas and shows kinematics consistent with a rotating torus. The HCO{sup +} emission extending to the north and south of the disk is coincident with the outflow previously identified in CO and traces the eastern edge of the hot outflowing gas. The central starburst region has a higher ratio of star formation to dense gas than the outer regions, pointing to the starburst as a key driver of this relationship. These results establish that the GBT can efficiently map the dense molecular gas at 90 GHz in nearby galaxies, a capability that will increase further with the 16 element feed array under construction.

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...

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...

Discovery of Radio Pulsations from the X-ray Pulsar JO205+6449 in Supernova Remnant 3C58 with the Green Bank Telescope

Science.gov (United States)

Camilo, F.; Stairs, I. H.; Lorimer, D. R.; Backer, D. C.; Ransom, S. M.; Klein, B.; Wielebinski, R.; Kramer, M.; McLaughlin, M. A.; Arzoumanian, Z.;

Predicted bond length variation in wurtzite and zinc-blende InGaN and AlGaN alloys

International Nuclear Information System (INIS)

Mattila, T.; Zunger, A.

1999-01-01

Valence force field simulations utilizing large supercells are used to investigate the bond lengths in wurtzite and zinc-blende In x Ga 1-x N and Al x Ga 1-x N random alloys. We find that (i) while the first-neighbor cation endash anion shell is split into two distinct values in both wurtzite and zinc-blende alloys (R Ga-N 1 ≠R In-N 1 ), the second-neighbor cation endash anion bonds are equal (R Ga-N 2 =R In-N 2 ). (ii) The second-neighbor cation endash anion bonds exhibit a crucial difference between wurtzite and zinc-blende binary structures: in wurtzite we find two bond distances which differ in length by 13% while in the zinc-blende structure there is only one bond length. This splitting is preserved in the alloy, and acts as a fingerprint, distinguishing the wurtzite from the zinc-blende structure. (iii) The small splitting of the first-neighbor cation endash anion bonds in the wurtzite structure due to nonideal c/a ratio is preserved in the alloy, but is obscured by the bond length broadening. (iv) The cation endash cation bond lengths exhibit three distinct values in the alloy (Ga endash Ga, Ga endash In, and In endash In), while the anion endash anion bonds are split into two values corresponding to N endash Ga endash N and N endash In endash N. (v) The cation endash related splitting of the bonds and alloy broadening are considerably larger in InGaN alloy than in AlGaN alloy due to larger mismatch between the binary compounds. (vi) The calculated first-neighbor cation endash anion and cation endash cation bond lengths in In x Ga 1-x N alloy are in good agreement with the available experimental data. The remaining bond lengths are provided as predictions. In particular, the predicted splitting for the second-neighbor cation endash anion bonds in the wurtzite structure awaits experimental testing. copyright 1999 American Institute of Physics

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

Weak maser emission of methyl formate toward Sagittarius B2(N) in the green bank telescope PRIMOS survey

Energy Technology Data Exchange (ETDEWEB)

Faure, A.; Wiesenfeld, L. [UJF-Grenoble 1/CNRS-INSU, Institut de Planétologie et d' Astrophysique de Grenoble (IPAG) UMR 5274, Grenoble F-38041 (France); Remijan, A. J. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22903 (United States); Szalewicz, K. [Department of Physics and Astronomy, University of Delaware, Newark, DE 19716 (United States)

2014-03-10

A non-LTE radiative transfer treatment of cis-methyl formate (HCOOCH{sub 3}) rotational lines is presented for the first time using a set of theoretical collisional rate coefficients. These coefficients have been computed in the temperature range 5-30 K by combining coupled-channel scattering calculations with a high accuracy potential energy surface for HCOOCH{sub 3}-He. The results are compared to observations toward the Sagittarius B2(N) molecular cloud using the publicly available PRIMOS survey from the Green Bank Telescope. A total of 49 low-lying transitions of methyl formate, with upper levels below 25 K, are identified. These lines are found to probe a presumably cold (∼30 K), moderately dense (∼10{sup 4} cm{sup –3}), and extended region surrounding Sgr B2(N). The derived column density of ∼4 × 10{sup 14} cm{sup –2} is only a factor of ∼10 larger than the column density of the trans conformer in the same source. Provided that the two conformers have the same spatial distribution, this result suggests that strongly non-equilibrium processes must be involved in their synthesis. Finally, our calculations show that all detected emission lines with a frequency below 30 GHz are (collisionally pumped) weak masers amplifying the continuum of Sgr B2(N). This result demonstrates the importance and generality of non-LTE effects in the rotational spectra of complex organic molecules at centimeter wavelengths.

THE GREEN BANK TELESCOPE 350 MHz DRIFT-SCAN SURVEY. I. SURVEY OBSERVATIONS AND THE DISCOVERY OF 13 PULSARS

Energy Technology Data Exchange (ETDEWEB)

Boyles, J.; Lorimer, D. R.; McLaughlin, M. A.; Cardoso, R. F. [Department of Physics, West Virginia University, Morgantown, WV 26506 (United States); Lynch, R. S.; Kaspi, V. M.; Archibald, A.; Karako-Argaman, C. [Department of Physics, McGill University, 3600 University St., Montreal, Quebec, H3A 2T8 (Canada); Ransom, S. M. [National Radio Astronomy Observatory (NRAO), 520 Edgemont Road, Charlottesville, VA 22901 (United States); Stairs, I. H.; Berndsen, A.; Cherry, A.; McPhee, C. A. [Department of Physics and Astronomy, University of British Columbia, 6224 Agricultural Road, Vancouver, British Columbia V6T 1Z1 (Canada); Hessels, J. W. T.; Kondratiev, V. I.; Van Leeuwen, J. [ASTRON, The Netherlands Institute for Radio Astronomy, Postbus 2, 7990 AA, Dwingeloo (Netherlands); Epstein, C. R. [Department of Astronomy, Ohio State University, 140 W. 18th Avenue, Columbus, OH 43210 (United States); Pennucci, T. [Department of Astronomy, University of Virginia, Charlottesville, VA 22904-4325 (United States); Roberts, M. S. E. [Eureka Scientific, 2452 Delmer Street, Suite 100, Oakland, CA 94602-3017 (United States); Stovall, K., E-mail: jason.boyles@wku.edu [Center for Advanced Radio Astronomy and Department of Physics and Astronomy, University of Texas at Brownsville, Brownsville, TX 78520 (United States)

2013-02-15

Over the summer of 2007, we obtained 1191 hr of 'drift-scan' pulsar search observations with the Green Bank Telescope at a radio frequency of 350 MHz. Here we describe the survey setup, search procedure, and the discovery and follow-up timing of 13 pulsars. Among the new discoveries, one (PSR J1623-0841) was discovered only through its single pulses, two (PSRs J1327-0755 and J1737-0814) are millisecond pulsars, and another (PSR J2222-0137) is a mildly recycled pulsar. PSR J1327-0755 is a 2.7 ms pulsar at a dispersion measure (DM) of 27.9 pc cm{sup -3} in an 8.7 day orbit with a minimum companion mass of 0.22 M {sub Sun }. PSR J1737-0814 is a 4.2 ms pulsar at a DM of 55.3 pc cm{sup -3} in a 79.3 day orbit with a minimum companion mass of 0.06 M {sub Sun }. PSR J2222-0137 is a 32.8 ms pulsar at a very low DM of 3.27 pc cm{sup -3} in a 2.4 day orbit with a minimum companion mass of 1.11 M {sub Sun }. It is most likely a white-dwarf-neutron-star system or an unusual low-eccentricity double neutron star system. Ten other pulsars discovered in this survey are reported in the companion paper Lynch et al.

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...

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.

Synthesis and properties of Tl endash Ba endash Ca endash Cu endash O superconductors

International Nuclear Information System (INIS)

Siegal, M.P.; Venturini, E.L.; Morosin, B.; Aselage, T.L.

1997-01-01

We review the synthesis methods and properties of single crystal, powder and thin film TlBaCaCuO high-temperature superconducting (Tl-HTS) materials. With transition temperatures ≥100K for several compounds, Tl-HTS materials present real opportunities for applications above 77 K. Experiments using (1) single crystals: determined precise structural parameters and identified the complex Tl 1+ -Tl 3+ equilibrium model; (2) powders: studied the complex thermodynamic phase diagram; and (3) epitaxial films: have studied fundamental properties such as electron pair symmetry and the effect of controlled extrinsic defects on flux pinning strength, as well as providing the large-area surfaces required for device applications. copyright 1997 Materials Research Society

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.

Green Transformational Leadership and Green Performance: The Mediation Effects of Green Mindfulness and Green Self-Efficacy

Directory of Open Access Journals (Sweden)

Yu-Shan Chen

2014-09-01

Full Text Available No prior literature explores the influence of green transformational leadership on green performance, thus, this study develops a novel research framework to fill the research gap. This study investigates the influence of green transformational leadership on green performance and discusses the mediation effects of green mindfulness and green self-efficacy by means of structural equation modeling (SEM. The results indicate that green transformational leadership positively influences green mindfulness, green self-efficacy, and green performance. Moreover, this study demonstrates that the positive relationship between green transformational leadership and green performance is partially mediated by the two mediators: green mindfulness and green self-efficacy. It means that green transformational leadership can not only directly affect green performance positively but also indirectly affect it positively through green mindfulness and green self-efficacy. Therefore, firms need to raise their green transformational leadership, green mindfulness, and green self-efficacy to increase their green performance.

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...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

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

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...

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.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

The long-term persistence of phytoplankton resting stages in aquatic "seed banks"

DEFF Research Database (Denmark)

Ellegaard, Marianne; Ribeiro, Sofia

2018-01-01

to terrestrial seed beds of vascular plants, but are much less studied. It is therefore timely to review the phenomenon of long-term persistence of aquatic resting stages in sediment seed banks. Herein we compare function, morphology and physiology of phytoplankton resting stages to factors central...... for persistence of terrestrial seeds. We review the types of resting stages found in different groups of phytoplankton and focus on the groups for which long-term (multi-decadal) persistence has been shown: dinoflagellates, diatoms, green algae and cyanobacteria. We discuss the metabolism of long-term dormancy......In the past decade, research on long-term persistence of phytoplankton resting stages has intensified. Simultaneously, insight into life-cycle variability in the diverse groups of phytoplankton has also increased. Aquatic 'seed banks' have tremendous significance and show many interesting parallels...

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...

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...

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...

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

Science.gov (United States)

2013-06-21

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

THE SEARCH FOR Hi EMISSION AT z ≈ 0.4 IN GRAVITATIONALLY LENSED GALAXIES WITH THE GREEN BANK TELESCOPE

Energy Technology Data Exchange (ETDEWEB)

Hunt, L. R.; Pisano, D. J. [Department of Physics and Astronomy, West Virginia University, P.O. Box 6315, Morgantown, WV 26506 (United States); Edel, S., E-mail: lhunt3@mix.wvu.edu, E-mail: djpisano@mail.wvu.edu, E-mail: stasedel@gmail.com [Infinite Optics, 1712 Newport Cir # F, Santa Ana, CA 92705 (United States)

2016-08-01

Neutral hydrogen (Hi) provides a very important fuel for star formation, but is difficult to detect at high redshift due to weak emission, limited sensitivity of modern instruments, and terrestrial radio frequency interference (RFI) at low frequencies. We report the first attempt to use gravitational lensing to detect Hi line emission from three gravitationally lensed galaxies behind the cluster Abell 773, two at redshifts of 0.398 and one at z = 0.487, using the Green Bank Telescope. We find that a 3 σ upper limit for a galaxy with a rotation velocity of 200 km s{sup −1} is M{sub Hi} = 6.58 × 10{sup 9} and 1.5 × 10{sup 10} M {sub ⊙} at z = 0.398 and z = 0.487. The estimated Hi masses of the sources at z = 0.398 and z = 0.487 are factors of 3.7 and ∼30 times lower than our detection limits at the respective redshifts. To facilitate these observations we have used sigma-clipping to remove both narrow- and wideband RFI but retain the signal from the source. We are able to reduce the noise of the spectrum by ∼25% using our routine instead of discarding observations with too much RFI. The routine is most effective when ∼10% of the integrations or fewer contain RFI. These techniques can be used to study Hi in highly magnified distant galaxies that are otherwise too faint to detect.

High rise building becomes a ''green tower''. Modernization of the Deutsche Bank administrative building at Frankfurt/Main; Hochhaus wird Green Tower. Modernisierung der Firmenzentrale Deutsche Bank in Frankfurt/M.

Energy Technology Data Exchange (ETDEWEB)

Anon.

2009-05-15

The modernization work on the Deutsche Bank building started in 2008 and will be finished by 2010. The modernized building will be environment-friendly and energy-saving. Energy consumption is to be reduced by at least 50 percent. The building will be the first object in Germany to receive the US Leed platinum certificate. (orig.)

Changes in productivity, psychological wellbeing and physical wellbeing from working in a 'green' building.

Science.gov (United States)

Thatcher, Andrew; Milner, Karen

2014-01-01

Based on improvements in indoor environmental quality claims are that 'green' buildings are healthier and promote greater productivity than conventional buildings. However, the empirical evidence over the last decade has been inconclusive, usually with flawed study designs. This study explored whether a 'green' building leads to a healthier, more productive work environment. A one-year, longitudinal comparison of two groups of employees of a large commercial bank; a group that moved into a GreenStar-accredited building and a group that stayed in a conventional building, was conducted. Measures of psychological wellbeing, physical wellbeing, productivity, and perceptions of the physical environment were taken before the move, six months later, and one year later. Results indicate that the 'green' building group had significantly increased self-reported productivity and physical wellbeing. The perceptions of the physical work environment indicate that respondents in the 'green' building group experienced significant air quality improvements (specifically, reduced stale air, better ventilation, improved air movement, reduced humidity, and conditions that were not too drafty) but perceived the lighting conditions as dimmer. Despite positive findings 'green' building rating tools require amendment to focus on those qualities that actually lead to improved wellbeing and productivity.

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

Practitioners’ Views Promoting Infrastructure Investment: The G20 and the Multilateral Development Banks

Directory of Open Access Journals (Sweden)

Hannah Wurf

2017-12-01

Full Text Available The G20 is committed to promoting infrastructure investment and has called on multilateral development banks (MDBs to increase their infrastructure lending to help boost global growth. Alongside long-standing MDBs such as the World Bank and Asian Development Bank (ADB, new MDBs such as the Asian Infrastructure and Investment Bank (AIIB and the New Development Bank have been established, and G20 members would like both old and new multilateral banks to scale up their infrastructure investment by developing a pipeline of bankable projects. Even with all the MDBs investing more, they will not be able to satisfy the global need for infrastructure. What they can do, however, is start to fill the infrastructure gap by catalyzing private investment and cooperating on standards and regional infrastructure. Concerns have been raised about the geo-political implications of the new MDBs which underscore the need for MDB cooperation. There are challenges to and opportunities for this cooperation. The G20 needs to be clear about the role it can play in encouraging MDB cooperation and infrastructure investment, and must also be aware of the limitations on its role given that each MDB has its own mandate. Specifically, the G20 can downplay the perceived trade-off between efficiency and standards in the MDBs, encourage cooperation on new standards for sustainable or green infrastructure, invest in the Global Connectivity Alliance as a coordinating body for the MDBs and help align the G20 work on infrastructure with the United Nations Sustainable Development Agenda

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

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

The security concern on internet banking adoption among Malaysian banking customers.

Science.gov (United States)

Sudha, Raju; Thiagarajan, A S; Seetharaman, A

2007-01-01

The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.

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

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

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

Green Transformational Leadership and Green Performance: The Mediation Effects of Green Mindfulness and Green Self-Efficacy

OpenAIRE

Yu-Shan Chen; Ching-Hsun Chang; Yu-Hsien Lin

2014-01-01

No prior literature explores the influence of green transformational leadership on green performance, thus, this study develops a novel research framework to fill the research gap. This study investigates the influence of green transformational leadership on green performance and discusses the mediation effects of green mindfulness and green self-efficacy by means of structural equation modeling (SEM). The results indicate that green transformational leadership positively influences green min...

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

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

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Florin Alexandru LUCA

2016-06-01

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

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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Nani Hartati

2017-11-01

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

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...

Strategic positioning in banking industry: Evidence from banking industry

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Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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Chian-Son Yu

2014-06-01

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

GREEN PACKAGING, GREEN PRODUCT, GREEN ADVERTISING, PERSEPSI, DAN MINAT BELI KONSUMEN

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Imam Santoso

2016-12-01

Full Text Available Environmental problems become one of the strategic issues in achieving global competitiveness. One of the issues is products that are made from environmental friendly materials or known as green product. Furthermore, in green products marketing, the company also uses green packaging and green advertising concept. This study aimed to analyze the effect of green packaging, green products, and green advertising on consumer perception and purchasing intention. The study was conducted in Ketawanggede Village, Lowokwaru Sub-district, Malang City. The sampling method used nonprobability accidential sampling techniques. The numbers of respondents were 113 consumers in study site. Data were collected by interview using questionnaires. The method of analysis used Generalized Structured Component Analysis (GSCA. The analysis showed that the green packaging, green products, and green advertising had positive significant influence on consumer perceptions. Meanwhile, green product and consumer perception had positive significant influence on purchasing interest, but the green packaging and green advertising has not found sufficient evidence in influencing purchasing intention.

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

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

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

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

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

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

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Yaser Taufik Syamlan

2017-06-01

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

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

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Jeroen Klomp

2015-12-01

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

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

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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.

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

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Muhammad Shakil AHMAD

2011-01-01

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

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

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Hassan Ghodrati

2014-06-01

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

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

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

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.

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

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Pooja MALHOTRA

2009-11-01

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

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

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Selly Maulina

2016-12-01

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

Radio continuum observations of local star-forming galaxies using the Caltech Continuum Backend on the green bank telescope

International Nuclear Information System (INIS)

Rabidoux, Katie; Pisano, D. J.; Kepley, Amanda A.; Johnson, Kelsey E.; Balser, Dana S.

2014-01-01

We observed radio continuum emission in 27 local (D < 70 Mpc) star-forming galaxies with the Robert C. Byrd Green Bank Telescope between 26 GHz and 40 GHz using the Caltech Continuum Backend. We obtained detections for 22 of these galaxies at all four sub-bands and four more marginal detections by taking the average flux across the entire bandwidth. This is the first detection (full or marginal) at these frequencies for 22 of these galaxies. We fit spectral energy distributions (SEDs) for all of the four sub-band detections. For 14 of the galaxies, SEDs were best fit by a combination of thermal free-free and nonthermal synchrotron components. Eight galaxies with four sub-band detections had steep spectra that were only fit by a single nonthermal component. Using these fits, we calculated supernova rates, total number of equivalent O stars, and star formation rates within each ∼23'' beam. For unresolved galaxies, these physical properties characterize the galaxies' recent star formation on a global scale. We confirm that the radio-far-infrared correlation holds for the unresolved galaxies' total 33 GHz flux regardless of their thermal fractions, though the scatter on this correlation is larger than that at 1.4 GHz. In addition, we found that for the unresolved galaxies, there is an inverse relationship between the ratio of 33 GHz flux to total far-infrared flux and the steepness of the galaxy's spectral index between 1.4 GHz and 33 GHz. This relationship could be an indicator of the timescale of the observed episode of star formation.

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

GREEN PACKAGING, GREEN PRODUCT, GREEN ADVERTISING, PERSEPSI, DAN MINAT BELI KONSUMEN

OpenAIRE

Imam Santoso; Rengganis Fitriani

2016-01-01

Environmental problems become one of the strategic issues in achieving global competitiveness. One of the issues is products that are made from environmental friendly materials or known as green product. Furthermore, in green products marketing, the company also uses green packaging and green advertising concept. This study aimed to analyze the effect of green packaging, green products, and green advertising on consumer perception and purchasing intention. The study was conducted in Ketawangg...

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

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

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

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Dr. Irwan Ch

2017-06-01

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

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

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.

Greens of the European Green Capitals

Science.gov (United States)

Cömertler, Seval

2017-10-01

Well established and maintained green areas have a key role on reaching the high quality of life and sustainability in urban environments. Therefore, green areas must be carefully accounted and evaluated in the urban planning affairs. In this context, the European Green Capitals, which attach a great importance to the green areas, have a great potential to act as a role model for both small and big cities in all around the world. These leading cities (chronologically, Stockholm, Hamburg, Vitoria-Gasteiz, Nantes, Copenhagen, Bristol, Ljubljana, Essen and Nijmegen) are inspiring for the other cities which seek to achieve more sustainable and environmentally friendly places through green areas. From this point of view, the aim of this paper was to investigate the green areas of the European Green Capitals. The paper covered whole European Green Capitals, and the application form of each Green Capital was used as a primary data source. Consequently, the paper put forwarded that the European Green Capitals have considerably large amount and high proportion of green areas. Further, these cities provide an excellent access to the public green areas. As a result of abundant provision and proper distribution, the almost all citizens in most of the Green Capitals live within a distance of 300 meters to a green area. For further researches, the paper suggested that these green capitals should be investigated in terms of their efforts, measures, goals and plans, policies and implications to administer, to protect, to enhance and to expand the green areas.

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.

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

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Mansor H. Ibrahim

2017-02-01

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

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

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

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

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.

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

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Nsiah K. Acheampong

2013-12-01

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

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

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

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

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Rossazana Ab-Rahim

2017-08-01

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

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

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Shijaku Gerti

2017-09-01

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

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

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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.

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

Banking governance: New Approaches

Directory of Open Access Journals (Sweden)

Victor Mihăiţă Duţă

2016-11-01

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

From green architecture to architectural green

DEFF Research Database (Denmark)

Earon, Ofri

2011-01-01

that describes the architectural exclusivity of this particular architecture genre. The adjective green expresses architectural qualities differentiating green architecture from none-green architecture. Currently, adding trees and vegetation to the building’s facade is the main architectural characteristics...... they have overshadowed the architectural potential of green architecture. The paper questions how a green space should perform, look like and function. Two examples are chosen to demonstrate thorough integrations between green and space. The examples are public buildings categorized as pavilions. One......The paper investigates the topic of green architecture from an architectural point of view and not an energy point of view. The purpose of the paper is to establish a debate about the architectural language and spatial characteristics of green architecture. In this light, green becomes an adjective...

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.

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

The effect of attractions on the structure of fused sphere chains confined between surfaces

International Nuclear Information System (INIS)

Patra, C.N.; Yethiraj, A.; Curro, J.G.

1999-01-01

The effect of attractive interactions on the behavior of polymers between surfaces is studied using Monte Carlo simulations. The molecules are modeled as fused sphere freely rotating chains with fixed bond lengths and bond angles; wall endash fluid and fluid endash fluid site endash site interaction potentials are of the hard sphere plus Yukawa form. For athermal chains the density at the surface (relative to the bulk) is depleted at low densities and enhanced at high densities. The introduction of a fluid endash fluid attraction causes a reduction of site density at the surface, and an introduction of a wall endash fluid attraction causes an enhancement of site density at the surface, compared to when these interactions are absent. When the wall endash fluid and fluid endash fluid attractions are of comparable strength, however, the depletion mechanism due to the fluid endash fluid attraction dominates. The center of mass profiles show the same trends as the site density profiles. Near the surface, the parallel and the perpendicular components of chain dimensions are different, which is explained in terms of a reorientation of chains. copyright 1999 American Institute of Physics. thinsp

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

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

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

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

Small finance banks: Challenges

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Jayadev M

2017-12-01

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

The Influence of Proactive Green Innovation and Reactive Green Innovation on Green Product Development Performance: The Mediation Role of Green Creativity

Directory of Open Access Journals (Sweden)

Yu-Shan Chen

2016-09-01

Full Text Available This study fills the research gap in the exploration of the relationships between both proactive and reactive green innovations and green product development performance, and examines the mediating effect of green creativity. Structural equation modeling (SEM is utilized to test the hypotheses. From the sample of 146 valid respondents, the results show that proactive green innovation positively affects green creativity and green product development performance, and green creativity positively affects green product development performance. In addition, our findings also indicate that the relationship between proactive green innovation and green product development performance is partially mediated by green creativity. Accordingly, green creativity plays a critical role for companies to achieve a great green product development performance. However, reactive green innovation does not significantly influence green creativity and green product development performance. Companies should develop proactive green innovation rather than reactive green innovation in order to enhance their green creativity and increase their product development performance.

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...

Pengelolaan Likuiditas Bank Syariah

Directory of Open Access Journals (Sweden)

Nurul Ichsan

2014-01-01

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

Green investment as a financing tool for solar energy systems

International Nuclear Information System (INIS)

Koot, E.J.

1997-07-01

Results of a workshop on the title subject (25 March 1997) are presented. The purpose of the workshop was to transfer knowledge and disseminate information about the fiscal options and regulations in the Netherlands to invest in environment-friendly projects (EIA, VAMIL, Regeling Groenprojecten). Next to presentations of representatives of a bank, involved in green funding projects, a public utility and a housing corporation, four cases were discussed in which green investment options for solar energy system projects have been evaluated: (1) large-scale solar boiler project (150 m 2 ) in a health care home (utility building); (2) large-scale photovoltaic (PV) project (1000 m 2 ) in the facade of a new office building; (3) application of solar water heaters in a housing project of 1000 private property houses; and (4) a cluster project of 100 private property houses with a 5 m 2 roof-integrated PV-system for each house

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

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

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...

Pengaruh Green Marketing Hotel Terhadap Green Consumer Behavior

OpenAIRE

Yo Fernandez, Eunike Christe; Tjoanda, Evelyn

2017-01-01

Penelitian ini dilakukan untuk mengetahui pengaruh dari green marketing hotel terhadap green consumer behavior. Green marketing memiliki 3 dimensi, yaitu green product, green price, dan green promotion. Penelitian ini melibatkan 272 responden masyarakat Surabaya dan menggunakan metode regresi linear berganda. Hasil penelitian menunjukkan bahwa green product dan green price berpengaruh secara positif dan signifikan sedangkan green promotion berpengaruh namun tidak signifikan terhadap green con...

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...

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

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

ROMANIAN BANKS LIQUIDITY MANAGEMENT

Directory of Open Access Journals (Sweden)

BATRANCEA MARIA

2013-07-01

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

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

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

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

GREEN BANK TELESCOPE DETECTION OF POLARIZATION-DEPENDENT H I ABSORPTION AND H I OUTFLOWS IN LOCAL ULIRGs AND QUASARS

Energy Technology Data Exchange (ETDEWEB)

Teng, Stacy H. [Observational Cosmology Laboratory, NASA Goddard Space Flight Center, Greenbelt, MD 20771 (United States); Veilleux, Sylvain [Department of Astronomy, University of Maryland, College Park, MD 20742 (United States); Baker, Andrew J., E-mail: stacy.h.teng@nasa.gov [Department of Physics and Astronomy, Rutgers, State University of New Jersey, Piscataway, NJ 08854 (United States)

2013-03-10

We present the results of a 21 cm H I survey of 27 local massive gas-rich late-stage mergers and merger remnants with the Robert C. Byrd Green Bank Telescope. These remnants were selected from the Quasar/ULIRG Evolution Study sample of ultraluminous infrared galaxies (ULIRGs; L{sub 8{sub -{sub 1000{sub {mu}m}}}} > 10{sup 12} L{sub Sun }) and quasars; our targets are all bolometrically dominated by active galactic nuclei (AGNs) and sample the later phases of the proposed ULIRG-to-quasar evolutionary sequence. We find the prevalence of H I absorption (emission) to be 100% (29%) in ULIRGs with H I detections, 100% (88%) in FIR-strong quasars, and 63% (100%) in FIR-weak quasars. The absorption features are associated with powerful neutral outflows that change from being mainly driven by star formation in ULIRGs to being driven by the AGN in the quasars. These outflows have velocities that exceed 1500 km s{sup -1} in some cases. Unexpectedly, we find polarization-dependent H I absorption in 57% of our spectra (88% and 63% of the FIR-strong and FIR-weak quasars, respectively). We attribute this result to absorption of polarized continuum emission from these sources by foreground H I clouds. About 60% of the quasars displaying polarized spectra are radio-loud, far higher than the {approx}10% observed in the general AGN population. This discrepancy suggests that radio jets play an important role in shaping the environments in these galaxies. These systems may represent a transition phase in the evolution of gas-rich mergers into ''mature'' radio galaxies.

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.

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

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

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

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

OpenAIRE

Makosana, Musa

2014-01-01

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

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

Science.gov (United States)

2011-07-27

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

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...

Performance of a Highly Sensitive, 19-element, Dual-polarization, Cryogenic L-band Phased-array Feed on the Green Bank Telescope

Science.gov (United States)

Roshi, D. Anish; Shillue, W.; Simon, B.; Warnick, K. F.; Jeffs, B.; Pisano, D. J.; Prestage, R.; White, S.; Fisher, J. R.; Morgan, M.; Black, R.; Burnett, M.; Diao, J.; Ruzindana, M.; van Tonder, V.; Hawkins, L.; Marganian, P.; Chamberlin, T.; Ray, J.; Pingel, N. M.; Rajwade, K.; Lorimer, D. R.; Rane, A.; Castro, J.; Groves, W.; Jensen, L.; Nelson, J. D.; Boyd, T.; Beasley, A. J.

2018-05-01

A new 1.4 GHz, 19-element, dual-polarization, cryogenic phased-array feed (PAF) radio astronomy receiver has been developed for the Robert C. Byrd Green Bank Telescope (GBT) as part of the Focal L-band Array for the GBT (FLAG) project. Commissioning observations of calibrator radio sources show that this receiver has the lowest reported beam-formed system temperature (T sys) normalized by aperture efficiency (η) of any phased-array receiver to date. The measured T sys/η is 25.4 ± 2.5 K near 1350 MHz for the boresight beam, which is comparable to the performance of the current 1.4 GHz cryogenic single-feed receiver on the GBT. The degradation in T sys/η at ∼4‧ (required for Nyquist sampling) and ∼8‧ offsets from the boresight is, respectively, ∼1% and ∼20% of the boresight value. The survey speed of the PAF with seven formed beams is larger by a factor between 2.1 and 7 compared to a single-beam system, depending on the observing application. The measured performance, both in frequency and offset from the boresight, qualitatively agrees with predictions from a rigorous electromagnetic model of the PAF. The astronomical utility of the receiver is demonstrated by observations of the pulsar B0329+54 and an extended H II region, the Rosette Nebula. The enhanced survey speed with the new PAF receiver will enable the GBT to carry out exciting new science, such as more efficient observations of diffuse, extended neutral hydrogen emission from galactic inflows and searches for fast radio bursts.

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...

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 ...

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...

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

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

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

BANKING UNION - ROMANIAN PERSPECTIVE

Directory of Open Access Journals (Sweden)

Coroiu Sorina Ioana

2015-07-01

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

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

Directory of Open Access Journals (Sweden)

El Mehdi Ferrouhi

2014-12-01

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

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

OpenAIRE

Uddin, Md Akther

2015-01-01

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

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

Directory of Open Access Journals (Sweden)

Suleyman Degirmen

2015-08-01

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

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

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

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

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

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

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

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

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

Green(ing) infrastructure

CSIR Research Space (South Africa)

Van Wyk, Llewellyn V

2014-03-01

Full Text Available the generation of electricity from renewable sources such as wind, water and solar. Grey infrastructure – In the context of storm water management, grey infrastructure can be thought of as the hard, engineered systems to capture and convey runoff..., pumps, and treatment plants.  Green infrastructure reduces energy demand by reducing the need to collect and transport storm water to a suitable discharge location. In addition, green infrastructure such as green roofs, street trees and increased...

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

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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.

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

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

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Galina S. Panova

2016-01-01

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

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

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Yusnaini -

2012-03-01

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

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

African Journals Online (AJOL)

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

Bank Syariah Sebagai Alternatif

Directory of Open Access Journals (Sweden)

Adang Sudjana

2003-03-01

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

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

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

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

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R. K. Uppal

2011-01-01

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

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

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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.

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

Science.gov (United States)

2013-06-07

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

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow

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

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ALINA LIGIA DUMITRESCU

2014-11-01

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

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

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Memdani Laila

2017-08-01

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

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

Science.gov (United States)

2010-01-01

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

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

NARCIS (Netherlands)

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

2009-01-01

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

GenBank

Data.gov (United States)

U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

THE RISE OF MOBILE BANKING

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2015-12-01

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

Banking and Trading

NARCIS (Netherlands)

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

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

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

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

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

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

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Ihsan Isik

2016-04-01

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

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

Directory of Open Access Journals (Sweden)

Habbar Abderezak, Dr.

2014-06-01

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

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

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

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

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

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

Green bank telescope observations of low column density H I around NGC 2997 and NGC 6946

International Nuclear Information System (INIS)

Pisano, D. J.

2014-01-01

Observations of ongoing H I accretion in nearby galaxies have only identified about 10% of the fuel necessary to sustain star formation in these galaxies. Most of these observations have been conducted using interferometers and may have missed lower column density, diffuse, H I gas that may trace the missing 90% of gas. Such gas may represent the so-called cold flows predicted by current theories of galaxy formation to have never been heated above the virial temperature of the dark matter halo. As a first attempt to identify such cold flows around nearby galaxies and complete the census of H I down to N H I ∼ 10 18 cm –2 , I used the Robert C. Byrd Green Bank Telescope (GBT) to map the circumgalactic (r ≲ 100-200 kpc) H I environment around NGC 2997 and NGC 6946. The resulting GBT observations cover a 4 deg 2 area around each galaxy with a 5σ detection limit of N H I ∼ 10 18 cm –2 over a 20 km s –1 line width. This project complements absorption line studies, which are well-suited to the regime of lower N H I . Around NGC 2997, the GBT H I data reveal an extended H I disk and all of its surrounding gas-rich satellite galaxies, but no filamentary features. Furthermore, the H I mass as measured with the GBT is only 7% higher than past interferometric measurements. After correcting for resolution differences, the H I extent of the galaxy is 23% larger at the N H I = 1.2 × 10 18 cm –2 level as measured by the GBT. On the other hand, the H I observations of NGC 6946 reveal a filamentary feature apparently connecting NGC 6946 with its nearest companions. This H I filament has N H I ∼ 5 × 10 18 cm –2 and an FWHM of 55 ± 5 km s –1 and was invisible in past interferometer observations. The properties of this filament are broadly consistent with being a cold flow or debris from a past tidal interaction between NGC 6946 and its satellites.

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...

Commercial Activity or Banking Competition?

Directory of Open Access Journals (Sweden)

Rose-Marie Pușcaciu

2015-12-01

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

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.

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

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Iwan Setiawan

2016-12-01

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

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

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

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

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

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

Essays on banking and regulation

NARCIS (Netherlands)

Todorov, R.I.

2013-01-01

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

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

Directory of Open Access Journals (Sweden)

Evi Sistiyarini

2017-04-01

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

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.

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

Science.gov (United States)

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Daru Setyo Rini

2018-01-01

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

Customers’ Intention to Use Green Products: the Impact of Green Brand Dimensions and Green Perceived Value

Directory of Open Access Journals (Sweden)

Doszhanov Aibek

2015-01-01

Full Text Available This study aimed to identify the relationships between green brand dimension (green brand awareness, green brand image, and green brand trust, green perceived value and customer’s intention to use green products. Data was collected through structured survey questionnaire from 384 customers of three hypermarkets in Kuala-Lumpur. Data was analyzed based on multiple regression analysis. The results indicate that there are significant relationships between green brand awareness, green brand trust, green perceived value, and customer’s intention to use green products. However, green brand image was not found to have significant relationship with customer’s intention to use green products. The discussion presented suggestions for marketers and researchers interested in green branding.

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

Science.gov (United States)

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Masnawati .

2016-04-01

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

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

OpenAIRE

liu, luke

2012-01-01

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

The Influence of Proactive Green Innovation and Reactive Green Innovation on Green Product Development Performance: The Mediation Role of Green Creativity

OpenAIRE

Yu-Shan Chen; Tai-Wei Chang; Chun-Yu Lin; Pi-Yu Lai; Kuan-Hung Wang

2016-01-01

This study fills the research gap in the exploration of the relationships between both proactive and reactive green innovations and green product development performance, and examines the mediating effect of green creativity. Structural equation modeling (SEM) is utilized to test the hypotheses. From the sample of 146 valid respondents, the results show that proactive green innovation positively affects green creativity and green product development performance, and green creativity positivel...

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

Directory of Open Access Journals (Sweden)

Igor Tomičić

2012-12-01

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

GREEN BANK TELESCOPE AND SWIFT X-RAY TELESCOPE OBSERVATIONS OF THE GALACTIC CENTER RADIO MAGNETAR SGR J1745–2900

Energy Technology Data Exchange (ETDEWEB)

Lynch, Ryan S.; Archibald, Robert F.; Kaspi, Victoria M.; Scholz, Paul, E-mail: rlynch@physics.mcgill.ca [Department of Physics, McGill University, 3600 University Street, Montreal, Quebec, H3A 2T8 (Canada)

2015-06-20

We present results from eight months of Green Bank Telescope 8.7 GHz observations and nearly 18 months of Swift X-ray telescope observations of the radio magnetar SGR J1745–2900. We tracked the radio and X-ray flux density, polarization properties, profile evolution, rotation, and single-pulse behavior. We identified two main periods of activity. The first is characterized by approximately 5.5 months of relatively stable evolution in radio flux density, rotation, and profile shape, while in the second these properties varied substantially. Specifically, a third profile component emerged and the radio flux also became more variable. The single pulse properties also changed, most notably with a larger fraction of pulses with pulse widths ∼5–20 ms in the erratic state. Bright single pulses are well described by a log-normal energy distribution at low energies, but with an excess at high energies. The 2–10 keV flux decayed steadily since the initial X-ray outburst, while the radio flux remained stable to within ∼20% during the stable state. A joint pulsar timing analysis of the radio and X-ray data shows a level of timing noise unprecedented in a radio magnetar, though during the time covered by the radio data alone the timing noise was at a level similar to that observed in other radio magnetars. While SGR J1745–2900 is similar to other radio magnetars in many regards, it differs by having experienced a period of relative stability in the radio that now appears to have ended, while the X-ray properties evolved independently.

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

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Magdalena, RADULESCU

2014-11-01

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

40 CFR 91.205 - Banking.

Science.gov (United States)

2010-07-01

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

Greece and the Missing Banking Union

DEFF Research Database (Denmark)

N. Gordon, Jeffery; Ringe, Georg

2015-01-01

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

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

African Journals Online (AJOL)

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

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

NARCIS (Netherlands)

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

2006-01-01

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

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

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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

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

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Tri Wahyuningsih

2016-09-01

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

Metaphysical green

DEFF Research Database (Denmark)

Earon, Ofri

2011-01-01

to adapt to urban environment. It explores the potential of Sensation of Green in the city. The paper questions whether the Sensation of Green could introduce a new spectrum of greens, beside the real green. It develops the term of metaphysical green – does green have to be green or can it be only...

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

Science.gov (United States)

Biological Sciences Curriculum Study, Colorado Springs.

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

BANKING SUPERVISION IN EUROPEAN UNION

OpenAIRE

Lavinia Mihaela GUȚU; Vasile ILIE

2013-01-01

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

Modern bank's credit risk

Directory of Open Access Journals (Sweden)

Šabović Šerif

2015-01-01

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

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

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

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.

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

Directory of Open Access Journals (Sweden)

Sri Hastuti

2011-10-01

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

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

Directory of Open Access Journals (Sweden)

Titon Adrinanto

2016-02-01

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

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...

Banking towards development: Evidence from the Spanish banking expansion plan

OpenAIRE

Pere Arqué-Castells; Elisabet Viladecans-Marsal

2013-01-01

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

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

OpenAIRE

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

2011-01-01

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

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

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

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

Directory of Open Access Journals (Sweden)

Khalfaoui Hamdi

2015-06-01

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

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

Science.gov (United States)

2010-07-01

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

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

NARCIS (Netherlands)

Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

2017-01-01

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

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

OpenAIRE

Čížek, Martin

2009-01-01

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

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

Science.gov (United States)

2013-04-05

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

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

Directory of Open Access Journals (Sweden)

Yibing Chen

2014-01-01

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

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.

Customer loyalty in Internet banking

OpenAIRE

Eriksson, M.; Schuster, C.

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

Maryam Nadernezhad

2013-08-01

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

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

Directory of Open Access Journals (Sweden)

Iwan Fakhruddin

2015-09-01

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

Banks, regions and development

Directory of Open Access Journals (Sweden)

Pietro Alessandrini

2003-03-01

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

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

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

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

OpenAIRE

YU, LIN

2009-01-01

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

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

International Nuclear Information System (INIS)

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

2013-01-01

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

Banking crises : A review

NARCIS (Netherlands)

Laeven, L.

2011-01-01

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

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

Science.gov (United States)

2013-04-08

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

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

OpenAIRE

Teodora Barbu; Georgeta Vintila

2007-01-01

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

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

DEFF Research Database (Denmark)

Skowron, Lukasz; Kristensen, Kai

2012-01-01

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

Stress Testing of the Montenegrin Banking System with Aggregated and Bank-Specific Data

Directory of Open Access Journals (Sweden)

Vuković Sanja

2014-05-01

Full Text Available There are many different approaches to the process of stress testing and two of them will be investigated in this paper. The first one is a stress test performed on aggregated data i.e. the banking system as a whole. The variable of interest in both exercises is the Loan Loss Provision ratio (hereinafter: the LLP. The main goal of the thesis is to find an answer to the following question: what are the macroeconomic variables that influence LLP the most and how will LLP, as a variable of interest, behave in a situation when all these variables were to experience negative performance at the same time? The resilience of the banking system to such scenario will be tested through the capital adequacy ratio. In order to find out more about the management practices of banks, microlevel data on banks were also used in the analysis. The focus was to see which of the variables are able to explain the LLP ratio for each bank individually and how is this information helpful for possible improvements in the banking sector. The relations between these variables will be able to explain some of the banks’ losses and some of the banks’ practices regarding credit activities. The analysis there will provide for some recommendations for the banks but also for the Central Bank and its way to influence the practices in the banking sector.

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

Science.gov (United States)

2012-06-14

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

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

Directory of Open Access Journals (Sweden)

EDWARD KERVIN B. MOJARES

2014-04-01

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

The Influence of Environmental Friendliness on Green Trust: The Mediation Effects of Green Satisfaction and Green Perceived Quality

Directory of Open Access Journals (Sweden)

Yu-Shan Chen

2015-07-01

Full Text Available As global green trends became more prevalent, green marketing also developed into an important issue. Although prior literature explored the main factors affecting green trust, it was inconclusive as to how environmental friendliness could affect the green trust in green marketing. This study aims to focus on the positive influence of environmental friendliness on green trust, and explore the mediation effects of green satisfaction and green perceived quality. This study undertakes an empirical study by means of questionnaire survey. The respondents are consumers who have experience purchasing green products. This study applies structural equation modeling (SEM to test the hypotheses. The findings of this study indicate that (1 environmental friendliness has a significant positive impact on green satisfaction, green perceived quality, and green trust; (2 both green satisfaction and green perceived quality positively affect green trust; and (3 green satisfaction and green perceived quality partially mediate the positive relationship between environmental friendliness and green trust.

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

Directory of Open Access Journals (Sweden)

Hamka Siregar

2014-12-01

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

Mobile banking in Asia

OpenAIRE

Anne Ho

2010-01-01

Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

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

Science.gov (United States)

Shurtz, Mary Ann; LeFlore, Ann Becker