WorldWideScience

Sample records for forbedrer danske banks

  1. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

    This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

  2. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  3. Tid til eftertanke i Danske Bank

    DEFF Research Database (Denmark)

    Iversen, Martin

    2013-01-01

    Det er tankevækkende, at Danske Bank aldrig har taget initiativ til en åben, viden- skabelig analyse af bankens historie.......Det er tankevækkende, at Danske Bank aldrig har taget initiativ til en åben, viden- skabelig analyse af bankens historie....

  4. Danske Banks kommunikation gennem finanskrisen - et forsøg på imagegenoprettelse

    OpenAIRE

    Jørgensen, Steffie Hede

    2012-01-01

    Abstract The thesis in hand regards Danske Bank’s communication through the crisis. The crisis impacted Danske Bank at September the 15th 2008, which induced loss of liquidity. The bank was subsequently accused of composing inferior credit ratings and to be a greedy and harsh bank. It resulted in a historic decline of Danske Bank’s image. Consequently, this thesis seeks to answer following research question: How did Danske Bank communicate through the crisis and how suitable is their strategy...

  5. Et stort offer er nødvendigt i Danske Bank

    DEFF Research Database (Denmark)

    Ørholst, Henrik

    2018-01-01

    Når skandalerne rammer, kan det være nødvendigt at ofre en topchef for at komme videre. Danske Banks uheldige eventyr i Estland afventer to undersøgelser, før et ansvar bliver placeret. VW, Mærsk og SAS reagerede hurtigere, da de blev ramt.......Når skandalerne rammer, kan det være nødvendigt at ofre en topchef for at komme videre. Danske Banks uheldige eventyr i Estland afventer to undersøgelser, før et ansvar bliver placeret. VW, Mærsk og SAS reagerede hurtigere, da de blev ramt....

  6. Danske erfaringer i Afghanistan

    DEFF Research Database (Denmark)

    Nielsen, Thomas Galasz

    2016-01-01

    Der er høstet mange forskellige danske erfaringer i Afghanistan gennem det civile og militære engagement fra 2001 til 2014, men det er muligt at samle dem i tre områder, hvor der er mulighed for at forbedre fremtidige indsatser: Prioritet til integrerede indsatser, lokal sikkerhedsskabelse og...

  7. Dansk Taxi Råd har brug for et sprogkursus

    DEFF Research Database (Denmark)

    Riis, Helle Bach

    2011-01-01

    16.10. afviser formanden for Dansk Taxi Råd, John Lindbom, at det nyindførte pointsystem har til hensigt at holde indvandrere fra at blive vognmænd. I stedet siger han, at det handler om at højne fagets status og serviceniveau. Dansk Taxi Råd kan komme langt ved at forbedre sin interkulturelle...

  8. Danske virksomheders effektivitet og investering i forskning og udvikling

    DEFF Research Database (Denmark)

    Dilling-Hansen, Mogens; Madsen, Erik Strøjer; Smith, Valdemar

    2001-01-01

    Et af virksomhedernes motiver til at investere i forskning og udviklinger er at forbedre produktiviteten. Denne velkendte sammenhæng er tidligere undersøgt på danske data, se Smith, Dilling-Hansen m.fl. (2000). Investeringer i forskning og udvikling opbygger en ikke-materiel kapital i virksomhede...

  9. Dansk retspleje

    DEFF Research Database (Denmark)

    Werlauff, Erik; Petersen, Lars Lindencrone

    Bogen giver et samlet billede af dansk procesret (retspleje), både for så vidt angår domstolssystemets opbygning, instansfølgen, retssystemets personel (dommere, advokater, lægdommere, anklagere etc.), civile retssager, straffesager, skiftesager og fogedsager. Den inddrager i vidt omfang europare......Bogen giver et samlet billede af dansk procesret (retspleje), både for så vidt angår domstolssystemets opbygning, instansfølgen, retssystemets personel (dommere, advokater, lægdommere, anklagere etc.), civile retssager, straffesager, skiftesager og fogedsager. Den inddrager i vidt omfang...

  10. Dansk Design

    DEFF Research Database (Denmark)

    Dickson, Thomas

    Indhold: Hvad er design?; Hvor kommer dansk design fra?; Produktdesign; Tekstil- og tøjdesign; Design af møbler og boligindretning; Bygningen og design; Arbejdets design; Transportdesign; Offentligt design; Grafisk design; Nye tider og en ny slags design...

  11. Danske snyltere frikendt

    DEFF Research Database (Denmark)

    Buchmann, Kurt

    2006-01-01

    Den danske form af Gyrodactylus salaris, som forekommer i danske dambrug har vist sig at være ufarlig for laks. Udgivelsesdato: 24. november......Den danske form af Gyrodactylus salaris, som forekommer i danske dambrug har vist sig at være ufarlig for laks. Udgivelsesdato: 24. november...

  12. Regnskabsordbogen dansk-engelsk

    DEFF Research Database (Denmark)

    Nielsen, Sandro; Mourier, Lise; Bergenholtz, Henning

    af danske og engelske regnskabstekster, korrektur af danske og engelske regnskabstekster, og reception af danske og engelske regnskabstekster. Ordbogen indeholder 4200 opslagsord med definitioner og oversættelser til britisk, amerikansk og IAS/IFRS-engelsk, 15.400 ordforbindelser på dansk med...

  13. Forbedring af GIS data til trafikmodeller

    DEFF Research Database (Denmark)

    Hansen, Stephen; Landex, Alex; Nielsen, Otto Anker

    2005-01-01

    indbyggere og arbejdspladser er meget inhomogen. Dette er især tilfældet for zonerne i Frederiksborg og Roskilde Amter. For at opnå mere detaljerede resultater er det nødvendigt at opdele disse zoner. I artiklen præsenteres forskellige GIS-baserede metoder, der er blevet benyttet til at forbedre og kombinere...... eksisterende GIS-baserede datakilder, så der er opnået en hidtil uset nøjagtighed i trafikmodellernes geografiske data. Herefter beskrives, hvordan der med udgangspunkt i disse forbedrede data er foretaget analyser af zonerne i modellen, og hvordan zoner som ikke lever op til den ønske detaljegrad, er splittet...

  14. Revisortilsynets og FSR - danske revisorers syn på

    DEFF Research Database (Denmark)

    Hartmann, Stig; Haraszuk, Anni

    2013-01-01

    Artiklen er baseret på interview med følgende: Christel Maria Thousing og Mette Banke-Eriksen, chefkonsulenterne i sekretariatet for Revisortilsynet samt Anders Bisgaard, medlem af FSR - danske revisorers Revisionstekniske udvalg....

  15. Ledelsesmodeller i danske virksomheder

    DEFF Research Database (Denmark)

    Kristensen, Kai; Eskildsen, Jacob Kjær; Juhl, Hans Jørn

    2007-01-01

    I de seneste årtier er der opstået flere og flere ledelsesmodeller (kvalitetsprismodeller, ISO 9000, Balanced Scorecard etc.) som virksomheder kan anvende til at opnå en konkurrencemæssig fordel gennem forbedring af forretningsgangene. Rationalet bag de fleste af modellerne er, at der er en...

  16. DanskOrdbogen

    DEFF Research Database (Denmark)

    Bergenholtz, Henning; Vrang, Vibeke; Almind, Richard

    DanskOrdbogen er en helt nyudviklet ordbog for alle, som vil skrive på dansk. Med 105.000 opslagsord og 1175 sider mættet med informationer er det også Danmarks største ordbog. Ordbogen er udviklet efter nye principper, som gør den mere brugervenlig end traditionelle ordbøger. Bl.a. har DanskOrdb...

  17. Dansk LED - Museumsbelysning

    DEFF Research Database (Denmark)

    Poulsen, Peter Behrensdorff; Dam-Hansen, Carsten; Thorseth, Anders

    Projektet har til formål at anvende dansk forskning inden for optik og lys til at realisere innovative energieffektive LED lyssystemer til museumsbranchen.......Projektet har til formål at anvende dansk forskning inden for optik og lys til at realisere innovative energieffektive LED lyssystemer til museumsbranchen....

  18. Passivhuse i dansk kontekst

    DEFF Research Database (Denmark)

    Ellehauge, Klaus; Thomsen, Kirsten Engelund; Jensen, Ole Michael

    Rapporten redegør for forskelle og ligheder melllem et passivhus, jævnfør passivhuskonceptet fra Passivhaus Institut i Darmstadt, Tyskland og et dansk lavenergihus jævnfør det danske bygningsreglement, ligesom der redegøres for de beregningsprincipper, der ligger til grund. Rapporten redegør endv...

  19. Den Danske Netordbog

    DEFF Research Database (Denmark)

    Bergenholtz, Henning; Vrang, Vibeke; Almind, Richard

    Denne danske ordbog er primært tænkt som hjælpeværktøj i forbindelse med tvivl og usikkerhed, når man skriver en dansk tekst. Den Danske Netordbog er en yderst omfattende ordbog med mere end 110.000 forskellige opslagsord og en lang række oplysninger, herunder grammatik, betydning, synonym (ord m...... samme betydning), antonym (ord med modsat betydning), orddannelse (i hvilke andre ord det pågældende ord er en del af), kollokationer (ordforbindelser), idiomer (fast udtryk med en særlig betydning) og ordsprog og citater....

  20. Den danske astronaut

    DEFF Research Database (Denmark)

    Jakobsen, Lars Sejersgård

    2014-01-01

    Undervisningsmateriale til mellemtrinnet om raketter, astronauter og rummet lavet for Planetariet i anledning af opsendelsen af den første danske astronaut, Andreas Mogensen, til Den Internationale Rumstation (ISS) i sensommeren 2015......Undervisningsmateriale til mellemtrinnet om raketter, astronauter og rummet lavet for Planetariet i anledning af opsendelsen af den første danske astronaut, Andreas Mogensen, til Den Internationale Rumstation (ISS) i sensommeren 2015...

  1. Den danske astronaut

    DEFF Research Database (Denmark)

    Jakobsen, Lars Sejersgård

    2014-01-01

    Undervisningsmateriale til udskolingen om raketter, astronauter og rummet lavet for Planetariet i anledning af opsendelsen af den første danske astronaut, Andreas Mogensen, til Den Internationale Rumstation (ISS) i sensommeren 2015......Undervisningsmateriale til udskolingen om raketter, astronauter og rummet lavet for Planetariet i anledning af opsendelsen af den første danske astronaut, Andreas Mogensen, til Den Internationale Rumstation (ISS) i sensommeren 2015...

  2. Kanon i dansk 9

    DEFF Research Database (Denmark)

    Thurah, Thomas; Møller, Lene

    Litterær læsning er elevens arbejdsbog til tekstsamlingen Kanon i Dansk 9. den indeholder en grundig introduktion til alle antologiens forfatterskaber, dels baggrundsstof om forfatterne, teksterne og tiden, dels en række opgaver til de enkelte tekster. Bogen er rigt illustreret med billedkunst, som...

  3. Dansk design - English edition

    DEFF Research Database (Denmark)

    Dickson, Thomas

    Indhold: Hvad er design?; Hvor kommer dansk design fra?; Produktdesign; Tekstil- og tøjdesign; Design af møbler og boligindretning; Bygningen og design; Arbejdets design; Transportdesign; Offentligt design; Grafisk design; Nye tider og en ny slags design...

  4. Dansk selskabsret 3

    DEFF Research Database (Denmark)

    Friis Hansen, Søren; Krenchel, Jens Valdemar

    virksomheder, fra partnerskaber i liberale erhverv til store entreprenørfællesskaber og samarbejder mellem store virksomheder samt joint ventures. Bind 3 af Dansk selskabsret – Interessentskaber – behandler: •Interessentskabets stiftelse •Forholdet mellem interessenterne •Misligholdelse af...

  5. Dansk skepsis mod "functional foods"

    DEFF Research Database (Denmark)

    Bech-Larsen, Tino

    2000-01-01

    MAPP Centret har undersøgt danske, finske og amerikanske forbrugeres holdninger til functional foods og til genmodificerede fødevarer. Undersøgelsen er baseret på personlige interviews med 1500 danske, finske og nordamerikanske forbrugere. På trods af den store udbredelse af functional foods i USA......, viste undersøgelsen, at finnerne faktisk var mere positive over for functional foods end amerikanerne. De danske forbrugere var klart de mest skeptiske....

  6. Den danske independent film

    DEFF Research Database (Denmark)

    Hansen, Kim Toft

    2014-01-01

    at producere film, og derved er filmproduktion potentielt gjort tilgængelig for en større gruppe personer som både afsender og modtager. For det fjerde implicerer diskussionen af de to film også genre- og stilmæssige spørgsmål om dansk filmkultur, fordi indiefilmen både i film og uden for filmene italesætter...

  7. Kompetencer i dansk

    DEFF Research Database (Denmark)

    Bundsgaard, Jeppe; Christiansen, Eva Terese; Flamant, Sanne Harder

    udvikler nogle af de væsentligste kompetencer i det senmoderne samfund. Kompetencetilgangen stiller en logik og en metode til rådighed for valg af undervisningsindhold og -metoder og danner desuden grundlag for refleksion i og over undervisningen. Kompetencer i dansk behandler bl.a. emner som litteratur......, kommunikation, sociale netværk, læringsspil, gruppearbejde, evaluering og interkulturelle kompetencer. Til bogen er knyttet hjemmesiden www.kompetenceridansk.dk....

  8. Formandskabet - danske fingeraftryk

    DEFF Research Database (Denmark)

    Adler-Nissen, Rebecca

    2011-01-01

    Danske fingeraftryk skal være med til at løfte en fælles dagsorden og styrke det europæiske samarbejde. Danmark er mere end nogensinde afhængig af andre kræfter, særligt Van Rompuy og Ashton, for at få det til at lykkes. Dertil kommer, at euroen eri krise og vil tage meget af opmærksomheden. Et v...

  9. Medicinsk ordbog : Dansk-engelsk, engelsk-dansk

    DEFF Research Database (Denmark)

    Pilegaard, Morten; Baden, Helge

    Indhold: Forord og brugervejledning. Dansk-engelsk del med ca. 10.000 opslagsord og mulige engelske oversættelser, hvis betydning og brug beskrives i en faglig forklaring og illustreres gennem eksempler og oversættelse af ca. 9.000 faglige ordforbindelser. Engelsk-dansk del på ca. 10.500 opslagsord...

  10. 'Den danske model' som tema

    DEFF Research Database (Denmark)

    Caraker, Emmett; Juul, Ida; Klindt, Mads Peter

    2012-01-01

    Tidsskrift for Arbejdsliv vol. 14, nr. 2, 5-8. Tema: 'Den danske model'. Redigeret af Emmett Caraker, Ida Juul, Mads peter Klindt & Jens Lind. 2011. København. 128 s.......Tidsskrift for Arbejdsliv vol. 14, nr. 2, 5-8. Tema: 'Den danske model'. Redigeret af Emmett Caraker, Ida Juul, Mads peter Klindt & Jens Lind. 2011. København. 128 s....

  11. Nye kulturer i danske boliger

    DEFF Research Database (Denmark)

    Suenson, Phillippa

    Når man taler om integration af indvandrere og flygtninge, må man også se på de muligheder, indvandrerfamilierne har for at indrette og anvende deres hjem i danske boliger, der er tegnet og udformet ud fra danske forestillinger om et typisk familieliv. Gennem mange fotos og få ord, viser rapporte...

  12. Holdninger til dansk med accent

    DEFF Research Database (Denmark)

    Kirilova, Marta; Ritzau, Ursula

    2006-01-01

    Link til fuld tekst (pdf): http://www.uddannelsesforbundet.dk/Om%20forbundet/Sektioner/Sektionen%20for%20laerere%20i%20dansk%20som%20andet%20sprog/FOKUS/~/media/Files/Organisationen/FOKUS/Fokus%20arkiv/fokus37.ashx......Link til fuld tekst (pdf): http://www.uddannelsesforbundet.dk/Om%20forbundet/Sektioner/Sektionen%20for%20laerere%20i%20dansk%20som%20andet%20sprog/FOKUS/~/media/Files/Organisationen/FOKUS/Fokus%20arkiv/fokus37.ashx...

  13. 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...

  14. Staten, folkekirken og dansk sekularisme

    DEFF Research Database (Denmark)

    Dabelsteen, Hans Boas

    2012-01-01

    Dette kapitel bringer et forsøg på at begrebsliggøre grænsedragningen mellem religion og politik, med det formål at tydeliggøre de værdier, rationaler og magtformer, der ligger i dansk kirke- og religionspolitik. Hovedargumentet er, at politisk diskussion blandt ledende politikere ikke tager udga...

  15. Frafald i de danske ungdomsuddannelser

    DEFF Research Database (Denmark)

    Jørgensen, Christian Helms

    2010-01-01

    Artiklen analyserer på baggrund af et review af forskningen på området årsager til frafald i de danske ungdomsuddannelser - gymnasieuddannelser og erhvervsuddannelser, samt vurderer en række af de tiltag som er iværksat for at reducere frafaldet....

  16. Dansk-engelsk CISG-ordbog

    DEFF Research Database (Denmark)

    Nielsen, Sandro

    Flere og flere danske jurister er blevet internationalt orinterede og har behov for at kunne udtrykke sig på engelsk, og CISG-ordbogen er med til at hjælpe juristerne med at kommunikere på engelsk. Kernen i Dansk-engelsk CISG-ordbog er den danske og engelske version af FN's Konvention om aftaler om...... internationale køb af løsøre (CISG), men ordbogen indeholder også ord og vendinger, der generelt er relevante for oversættelse af danske tekster, der omhandler CISG. Målgruppen for ordbogen er danske jurister. Ordbogen indeholder danske termer, faste ordforbindelser og fraser, og disse er alle oversat til...

  17. Dansk Almenmedicinsk Forskningsdag - DAF 2015

    DEFF Research Database (Denmark)

    Geyti, Christine Ladegaard

    2015-01-01

    Den 18. marts blev Dansk Almenmedicinsk Forskningsdag (DAF) afholdt i København. Arrangementet foregik i Domus Medicas flotte adelspalæ med prægtige lysekroner og hyggelige opholdsrum med bløde lænestole og gamle bøger op og ned ad væggene. Der blev nu ikke megen tid til at slænge sig, for progra......Den 18. marts blev Dansk Almenmedicinsk Forskningsdag (DAF) afholdt i København. Arrangementet foregik i Domus Medicas flotte adelspalæ med prægtige lysekroner og hyggelige opholdsrum med bløde lænestole og gamle bøger op og ned ad væggene. Der blev nu ikke megen tid til at slænge sig...

  18. Flexicurity og de danske arbejdsmarkedsrelationer

    DEFF Research Database (Denmark)

    Jensen, Carsten Strøby

    2010-01-01

    Danmark har de senere år været genstand for en betydelig international opmærksomhed knyttet til forhold på det danske arbejdsmarked. Dette har ikke mindst været tilfældet i lyset af den såkaldte flexicuritymodel. Karakteristisk ved flexicuritymodellen er den – i hvert fald i teorien – særlige rel...

  19. Har dansk handyrsproduktion en fremtid?

    DEFF Research Database (Denmark)

    Andersen, Johnny Michael

    2013-01-01

    Lønsomheden i den danske handyrproduktion var lav i 2011. Nettooverskuddet pr. produceret handyr var således negativt for samtlige størrelsesgrupper. Der var dog et positivt dækningsbidrag for de fleste grupper, som indikerer, at det er hensigtsmæssigt at opretholde produktionen på kort sigt, men....... producerede handyr forbliver dog negativt for samtlige størrelsesgrupper....

  20. Social innovation og Muhammad Yunus i en dansk kontekst

    DEFF Research Database (Denmark)

    2008-01-01

    Hvorfor er social innovation og Muhammad Yunus' arbejde relevant i en dansk kontekst? Kan social innovation være med til at skabe fremtidens danske velfærdssamfund?......Hvorfor er social innovation og Muhammad Yunus' arbejde relevant i en dansk kontekst? Kan social innovation være med til at skabe fremtidens danske velfærdssamfund?...

  1. Et casestudie af Dansk Kvindesamfund

    OpenAIRE

    Palvig, Maria Kinch; Petersen, Sisse Charlotte; Nederskov, Sara Alexie Noomi

    2012-01-01

    Nærværende projektrapport har til formål at analysere organisationen Dansk Kvindesamfund og kortlægge de dertilhørende diskurser fra henholdsvis 1970’erne og 2012. Som et led i diskursanalysen bliver Faircloughs begreber fra Kritisk Diskursanalyse brugt til at kortlægge diskursen fra 1970’erne, som er skitseret i Dahlerups værk Rødstrømperne. Organisationsanalysen tager udgangspunkt i Frankel og Schmidts Organisationsanalyse. Her vil de bærende elementer i analysen være struktur og intern kom...

  2. Den danske ROSE-undersøgelse

    DEFF Research Database (Denmark)

    Andersen, Annemarie Møller; Allerup, Peter; Arnvig, Birgitte

    ROSE (Relevance of Science Education) er en international komparativ undersøgelse af 15-åriges holdninger til og interesse for naturfagsundervisning, naturvidenskab og teknologi med deltagelse af ca. 40. lande. Dataindsamlingen til den danske del af ROSE-undersøgelsen blev gennemført i 2003....... Antologien giver et overblik over  og forskellige perspektiver på de danske 15-åriges besvarelser af de ca. 280 spørgsmål i det danske ROSE-skema....

  3. "Orange Juice" - amerikansk agent og dansk patriot?

    DEFF Research Database (Denmark)

    Hansen, Peer Henrik

    2009-01-01

    Umiddelbart efter anden verdenskrig indledte den amerikanske efterretningstjeneste Office of Strategic Service (OSS) samarbejde med en række danske politikere og modstands- og efterretningsfolk. En af dem var Svend Truelsen, en af modstandskampens store helte...

  4. Den danske fødevaresektor

    DEFF Research Database (Denmark)

    Bosselmann, Aske Skovmand; Gylling, Morten

    2012-01-01

    Den danske fødevaresektor har et højt niveau for så vidt angår miljø og bæredygtighed. Der kan være et potentiale for vækst og beskæftigelse i at bruge dette relativt høje niveau til at give danske virksomheder adgang til attraktive eksportmarkeder, hvor fødevarer, der er dokumenteret bæredygtige...

  5. 'The American Connection' i ny dansk poesi

    DEFF Research Database (Denmark)

    Larsen, Peter Stein

    2011-01-01

    Artiklen fokuserer på lyriktrafikken fra USA til Danmark. Der ses på to litterære bølger, som har haft indflydelse på dansk digtning, nemlig dels 50’ernes beatdigtning eller Oral Poetry, der får stor betydning for en række danske poeter fra 1960’erne og fremefter, dels 80’ernes og 90’ernes flerst...

  6. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  7. Danske retningsadverbier og rumlig orientering

    DEFF Research Database (Denmark)

    Hovmark, Henrik

    Denne ph.d.-afhandling rummer en undersøgelse af brugen af de danske ret­nings­adverbier (= RA) (ud, ind, op, ned, hen, over, om samt hjem og tilbage) som udtryk for rumlig orientering set ud fra en kognitiv-semantisk synsvinkel (Talmy, Langacker) og med fokus på forholdet mellem sprog, kultur og...... eventuelle sammenhænge mellem sproglig konceptualisering og kul­turel kontekst i brugen af RA. Afhandlingens undersøgelse falder i to hoveddele: 1) En beskrivelse af RAs kernesemantik på basis af undersøgelser i Ømålsordbogens samlinger, Korpus 2000 og Google. 2) En undersøgelse af variationen i brugen af RA......, primært på basis af en række interview med dialekttalende i et sydvestfynsk lokalområde (Helnæs). Afhandlingens analyse af RAs kernesemantik fokuserer på følgende: 1) en be­skrivelse af hvordan RA kan indkode en talers (eller protago­nists) synspunkt og dermed et deiktisk centrum i ytringen, 2) RAs rolle...

  8. Miljøledelse i danske virksomheder

    DEFF Research Database (Denmark)

    Madsen, Henning; Ulhøi, John Parm

    1997-01-01

    vil indgå som en del af forskningsprocessen omkring temaet miljøledelse, med det formål at bidrage til udviklingen af dette nye ledelsesområde, såvel på nationalt som internationalt plan, samt danne basis for en målrettet tilpasning og formidling heraf til kommende ledere i det danske erhvervsliv. I...... den forbindelse blev der i efteråret 1995 gennemført en stikprøvebaseret spørgeskemaundersøgelse blandt danske erhvervsvirksomheder. I de følgende afsnit vil der kort blive redegjort for undersøgelsens omfang og resultater....

  9. Dansk klubfodbold under økonomisk pres

    DEFF Research Database (Denmark)

    Storm, Rasmus K.

    2011-01-01

    De danske Superligaklubber har forbedret resultatet siden sidste år, men det skyldes primært, at FCK præsterer et markant forbedret driftsresultat. Der er fortsat underskud i alle klubber på nær to....

  10. MINDFULNESS BEHANDLING AF DANSKE VETERANER - ET PILOTSTUDIE

    DEFF Research Database (Denmark)

    Fjorback, Lone

    2015-01-01

    I foråret 2014 mødtes en gruppe på 12 danske veteraner en gang om ugen i 9 uger for at deltage i programmet Mindfulness Baseret Stress Reduktion (MBSR). Deltagerne havde meldt sig frivilligt, og gruppen var blandet mht. alder, køn, antal udsendelser og diagnoser. Det, de havde til fælles, var...

  11. Medlemsvandringer og krise i den danske aftalemodel?

    DEFF Research Database (Denmark)

    Høgedahl, Laust

    2013-01-01

    det gælder nytteorienterede og normative betonede motiver for et fagligt medlemskab pga. af disse forbunds fagforeningstype. Sidst i artiklen gives et bud på, hvilke konsekvenser denne udvikling vil få for reguleringen af det danske arbejdsmarked i fremtiden, hvis denne udvikling fortsætter....

  12. Levekår i dansk landbrug

    DEFF Research Database (Denmark)

    Andrade, Stefan Bastholm

    Denne rapport analyserer sammenhængen mellem alvorlige dyreværnssager og risikofaktorer i dansk landbrug. Rapporten undersøger de sociale konsekvenser af udviklingen i landbruget over en længere historisk periode. Formålet er at identificere og forklare, hvilke landmænd der er i stand til at tilp...

  13. Dansk landbrugs strukturudvikling siden 2. verdenskrig

    DEFF Research Database (Denmark)

    Kærgård, Niels; Dalgaard, Tommy

    2014-01-01

    Dansk landbrug og landbokultur har forandret sig drastisk over de seneste par generationer. Omkring Anden Verdenskrig oplevedes en ligevægtstilstand med mere end 200.000 selvstændige og forholdsvis små brug, og med en landbefolkning der i afgørende grad prægede samfundet både politisk og økonomis...

  14. Danske erfaringer med værdiforringelsestest

    DEFF Research Database (Denmark)

    Krogholt Hansen, Carsten; Petersen, Christian Vriborg; Plenborg, Thomas

    2006-01-01

    (impairment of assets) og IFRS 3 (business combinations) har således haft ganske store regnskabsmæssige konsekvenser for de netop aflagte årsrapporter for 2005.I denne artikel undersøger vi via en spørgeskemaundersøgelse, hvorledes danske børsnoterede virksomheder, der har indregnet goodwill, gennemfører...

  15. Dansk pensionsbeskatning i EU-retlig belysning

    DEFF Research Database (Denmark)

    Werlauff, Erik; Rønfeldt, Thomas

    2008-01-01

    Artiklen analyserer den danske pensionsbeskatning i fællesskabsretlig belysning, særligt i relation til EF-domstolens praksis om tjenesteydelsernes frie bevægelighed, og særligt i relation til sagerne C-150/04, Kommissionen mod Danmark, og C-522/04, Kommissionen mod Belgien. I artiklen analyseres...

  16. Danske deltagere udvalgt til euspen Challenge 2015

    DEFF Research Database (Denmark)

    Lassen, Lisbeth

    2015-01-01

    Kim da Costa Carneiro og Hans Nørgaard Hansen fra DTU Mekanik har udpeget Hüsnü Aslan fra iNano på Aarhus Universitet og Maximilian Marhöfer fra DTU Mekanik, Sektionen for Proces- og Produktionsteknologi som de to danske deltagere i konkurrencen. Begge deltagere blev valgt på baggrund af deres...

  17. Det danske realkreditsystem og SDO-lovgivningen

    DEFF Research Database (Denmark)

    Grosen, Anders; Jakobsen, Svend

    2009-01-01

    De senere års store succes for rentetilpasningslån og afdragsfrie lån har betydet, at det danske realkreditsystem er blevet mere eksponeret over for rentestigninger og faldende priser på ejerboliger. På denne baggrund er det overraskende, at Realkreditrådet og Danmarks Nationalbank i aktuelle ana...

  18. En Ung bank

    OpenAIRE

    Lind, Maria Benedicte; Rice, Harrie Emily; Andersen, Lærke Maria; Elfort, Amanda Josefine; Pedersen, Sophie Espe; Sahibzada, Qamar Un Nisa

    2016-01-01

    The purpose of this project is to examine the campaign Øhhkonomi from Danske Bank. The project is based on examining which assumptions the campaign, and further actions surrounding the campaign, expresses about the audience. The campaign audience is specifically 18-27 years old and addresses problems regarding their personal finance skills and understanding thereof. Starting from a communication point of view, the project examines the campaign and the sender in itself. The purpose hereof is t...

  19. Højintens intervaltræning inducerer moderat forbedring i cirkulerende diabetes-relaterede inflammatoriske cytokiner

    DEFF Research Database (Denmark)

    Bjerre, Mette; Madsen, Søren Møller; Jeppesen, Per Bendix

    2017-01-01

    Det er alment kendt, at motion forbedrer den metaboliske tilstand og mindsker risikoen for udvikling af præ-diabetes til type 2-diabetes. En væsentlig gevinst af regelmæssig motion menes at være via systemiske anti-inflammatoriske effekter, der formentlig skyldes en reduktion af fedtvævet. Hver g...... afklaret. Vi ønskede derfor at undersøge påvirkningen af højintens intervaltræning (HIIT) på cirkulerende inflammatoriske cytokiner hos patienter med type 2-diabetes.1-3...

  20. Digitale modeller af danske arkitekturværker

    DEFF Research Database (Denmark)

    Villaume, René; Rude Ørstrup, Finn

    2001-01-01

    Digitale modeller af dansk arkitektur åbner op for helt nye muligheder og faciliteter, fordi den enkelte bruger får et nyt redskab til at tilegne sig viden om dansk arkitektur med modeller, der kan anvendes til at iagtage og analysere både opførte og skitserede danske bygningsværker. Internettet ...... arbejder fra analyseopgaver i studiet. Der er store ressourcer og muligheder for opbygning af en samling, der systematisk kan udbygges og udvikles år for år. En helt ny dimension når man ønsker at indhente viden om dansk arkitektur og arkitekter....

  1. Dansk turisme savner en samlet plan

    DEFF Research Database (Denmark)

    Lyck, Lise; Jensen, Sune K.

    2013-01-01

    Turisterhvervet er internationalt set et væksterhverv. I 1950 holdt 25 mio. turister ferie i udlandet, i 2012 1.035 mio., og i 2030 forventes 1,8 mia. at rejse udenlands. Det var derfor rigtigt set af regeringen at nedsætte et vækstteam på området, for dansk turisme har potentialet til at skabe v...

  2. Dansk tv-dramas internationale succes

    DEFF Research Database (Denmark)

    Agger, Gunhild

    2012-01-01

    Det er altid smigrende, når man i udlandet ikke blot importerer danske kulturfænomener, men tilsyneladende også værdsætter dem. Endnu bedre er det, når de giver anledning til debat. Og der har faktisk udfoldet sig en seriøs diskussion bl.a. på netaviser i den engelsk-talende verden – ikke kun om,...

  3. Media literacy i en dansk kontekst

    DEFF Research Database (Denmark)

    Stald, Gitte Bang; Hjelholt, Morten; Nielsen, Laura Høvsgaard

    handler om”. Det vil sige, at undersøgelsen ikke blot består af viden fra forskere og myndigheder, men har haft fokus på at inddrage den danske befolkning. Desuden har studiet haft et bredt sigte, således at fokus ikke afgrænser sig til en bestemt gruppe, som eksempelvis børn eller ældre, men inkluderer...

  4. Vildsvin uønsket i den danske natur

    DEFF Research Database (Denmark)

    Andersen, Camilla Brasch; Bald, Caroline; Uttenthal, Åse

    2011-01-01

    Vildsvin ønskes fortsat ikke etableret i den danske natur, da de udgør en smitterisiko for husdyr og mennesker. det er helt essentielt for bekæmpelsen, at lodsejere og jægere deltager aktivt. de skal lokalisere de vildsvin, der allerede findes i den danske natur, og nedlægge dem....

  5. Fagfællebedømte papers i Dansk Vejtidsskrift

    DEFF Research Database (Denmark)

    Bolet, Lars

    2008-01-01

    Dansk Vejtidsskrift tilbyder fremover at gennemføre fagfællebedømmelse af videnskabelige vej- og trafikartikler, der optages i bladet. Baggrunden for tilbudet er de skærpede krav om bedømmelse af forskning. Tilbudet giver danske og andre skandinaviske forskere mulighed for fortsat at få merit for...

  6. Nye arbejdsorganisationsformer i de største danske virksomheder

    DEFF Research Database (Denmark)

    Foss, Nicolai Juul

    Baseret på et sample af de 1000 største danske virksomheder undersøgesforekomsten af nye arbejdsorganiseringsformer i dansk erhvervsliv. Endvidereundersøges det, hvilke virksomheder der typisk implementerer de nye måder atorganisere arbejdet på. Det vises at det primært er virksomheder ikonkurren...

  7. Effektfulde indsatser i boligområder til at forbedre børns skolegang og uddannelse og forældres arbejdsmarkedsparathed

    DEFF Research Database (Denmark)

    Kjer, Mikkel Giver; Holger Jørgensen, Rune Christian; Mehlsen, Line

    SFI har samlet internationale studier, der viser positive effekter af indsatser, der skal forbedre børns skolegang og uddannelse og voksnes arbejdsmarkedsparathed i udsatte boligområder. Formålet med rapporten er at bidrage med inspiration til det boligsociale arbejde i Danmark og bringe større f...

  8. Effektfulde indsatser i boligområder til at øge børns trivsel og forbedre forældres kompetencer

    DEFF Research Database (Denmark)

    Mehlsen, Line; Holger Jørgensen, Rune Christian; Kjer, Mikkel Giver

    SFI har samlet internationale studier, der viser positive effekter af indsatser, der skal øge børns trivsel og forbedre forældrenes kompetencer i udsatte boligområder. Formålet med rapporten er at bidrage med inspiration til det boligsociale arbejde i Danmark og bringe større fokus på at arbejde ...

  9. Relationelle adjektiver på dansk

    DEFF Research Database (Denmark)

    Thorup Horn, Nynne; McGhee, Heidi; Rijkhoff, Jan

    2014-01-01

    English abstract : Due to their special properties, relational adjectives (in particular when serving as classifying modifiers) have been the subject of detailed investigations in many languages, including Russian, French, Spanish, Swedish, Dutch and German, but they are not mentioned in Danish...... reference grammars. The main goal of this article is to show that Danish also has a class of relational adjectives and to argue that they should be given their rightful place in future grammatical descriptions of the Danish language. Dansk resumé : På grund af deres særlige egenskaber har relationelle...

  10. Fusion og koncentration i den danske svineslagterisektor

    DEFF Research Database (Denmark)

    Hansen, Henning Otte

    2015-01-01

    Strukturudviklingen i den danske slagterisektor er gået hurtig i de seneste ti-år. Koncentrationen steg kraftigt efter midten af 1980‘erne, men i de sidste 10-15 år er udviklingen i et vist omfang stagneret eller endog vendt, og koncentrationen har været faldende. En evt. fusion mellem Danish Crown...... og Tican vil sandsynligvis ikke opveje dette fald i koncentration. De historiske erfaringer fra sektoren viser endvidere, at virksomheder efter en fusion ofte taber markedsandele. Markedet for svinekød er blevet langt mere internationaliseret i de senere år, og dette alene vil øge konkurrencen....

  11. En 'dansk' immigrationspakke til EU - uden Danmark

    DEFF Research Database (Denmark)

    Adler-Nissen, Rebecca

    2008-01-01

    og den franske immigrationspagt i Danmark, skyldes, som så ofte før, at vi her i landet har en Europadebat, der er vendt på hovedet i forhold til den, der føres i de andre EU-lande. Mens danske politikere hen over sensommeren har diskuteret, hvordan man kan minimere EU's indflydelse på dansk......I dag præsenterer Kommissionen en ambitiøs pakke om lovlig og ulovlig indvandring og integration. Målet er, at den skal vedtages sammen med det franske formandskabs immigrationspagt af EU's stats- og regeringschefer den 15.-16. oktober 2008. At der ikke har været mere debat om Kommissionens pakke...... indvandringspolitik og særligt familiesammenføringsreglerne, har resten af EU diskuteret, hvordan man fortsat kan styrke EU's rolle i indvandrings- og immigrationspolitikken og skabe en højere grad af solidaritet mellem medlemslandene. Udgivelsesdato: 8. oktober...

  12. Køn i danske medieinstitutioner og danske tv-medier

    DEFF Research Database (Denmark)

    Andreassen, Rikke

    2015-01-01

    Artiklen redegør for de danske resultater af undersøgelsen Women and Media Industries in Europe under European Institute of Gender Equality (EIGE) fra 2012-13. Undersøgelsen består både af analyser af kønssammensætningen i medieinstitutioner såvel som analyser af kønssammensætningen i tv...

  13. "Aarøes Strejfkorps - en dansk specialenhed i 1864"

    DEFF Research Database (Denmark)

    Papousek, Simon

    2014-01-01

    Boganmeldelse af genudgivelse af to artikler tidligere bragt i Militært Tidsskrift i slutningen af 1800-tallet, omhandlende oprettelsen, operationerne og historien om den danske specialenhed "Aarøes Strejfkorps" under Anden Slesvgiske Krig...

  14. Cool Moderne - Art Deco i dansk Billedkunst 1910-40

    DEFF Research Database (Denmark)

    Gether, Vibeke Petersen

    2015-01-01

    , der har trukket de store overskrifter op igennem det 20. århundrede herhjemme. Gl. Holtegaard efterprøver nu art deco-begrebet på dansk billedkunst i en udstillingskontekst. Fokus er først og fremmest på maleri og skulptur. Der inddrages i mindre målestok andre visuelle medier som arkitekturtegninger......Udstillingen er udover Victoria & Albert Museum også inspireret af Designmuseum Danmarks udstilling i 1997-98 med titlen Dansk Design 1910-45. Art Déco & Funktionalisme. Selvom udstillingen viste fine eksempler på art deco i dansk design og arkitektur, er det dog først og fremmest funktionalismen......, film, illustrationer, plakater og kunsthåndværk. Med udstillingen vil vi gerne synliggøre de forskellige æstetiske udtryk, som vi mener meget bedre dækkes af betegnelsen art deco i dansk kunst i perioden 1910–1940....

  15. Et dansk regime for overgang fra uddannelse til arbejde?

    DEFF Research Database (Denmark)

    Jørgensen, Christian Helms

    2008-01-01

    I dette kapitel vil jeg først gennemgå en række forskningstilgange som på forskellig måde kan begribe de særlige træk ved unges overgang i Danmark i det man kan kalde et dansk 'regime for overgang' (transition regime). Dernæst følger en mere beskrivende gennemgang af det danske uddannelsessystem ...

  16. Projekt skal undersøge MRSA i danske mink

    DEFF Research Database (Denmark)

    Fertner, Mette Ely; Hansen, Julie Elvekjær; Larsen, Gitte

    2017-01-01

    MRSA blev for første gang isoleret fra to danske mink, som var indsendt til undersøgelse på DTU Veterinærinstituttet, i 2013. I løbet af 2017 gennemfører DTU Veterinærinstituttet et projekt, som har til formål at klarlægge MRSA-forekomsten og smitteoverførslen på danske minkgårde....

  17. Dansk landbrugs strukturudvikling siden 1950 - i internationalt perspektiv

    DEFF Research Database (Denmark)

    Hansen, Henning Otte

    2016-01-01

    Dansk landbrug har gennemgået en meget omfattende strukturudvikling siden 1950’erne. Spørgsmålene er, hvad der grundlæggende har drevet denne histori­ske udvikling, om der er tale om et unikt dansk forløb, eller om der mere eller mindre er tale om et internationalt udviklingsforløb. I denne artik...

  18. Hvorfor er danske fødevarer dyre?

    DEFF Research Database (Denmark)

    Hansen, Henning Otte

    2015-01-01

    De danske fødevarepriser er generelt høje set i forhold til resten af EU og også i forhold til lande uden for EU. Overordnet set er der en række forklaringer på internationale prisforskelle, og der er også flere mulige årsager til de høje danske fødevarepriser. Forskelle i moms, kvalitet...

  19. The Bank-Sovereign Nexus: Evidence from a non-Bailout Episode

    DEFF Research Database (Denmark)

    Caporin, Massimiliano; Natvik, Gisle J.; Ravazzolo, Francesco

    We explore the interplay between sovereign and bank credit risk in a setting where Danish authorities first let two Danish banks default rather than bail them out and then left the country's largest bank, Danske Bank, to recapitalize privately. We find that the correlation between bank...... and sovereign credit default swap (CDS) rates changed with these events, indicating that the non-bailout decisions and recapitalization helped to curb the feedback loop between bank and sovereign risk. Following the non-bailout events, the sensitivity to external shocks declined both for Danske Bank...... and private bank debt indicates that the non-bailout policies succeeded in breaking the vicious circle generated by the risks on the bank and sovereign debts. Our results are reinforced by the use of an indirect testing approach and by focusing on CDS-quantiles....

  20. Den Danske Idiomordbog. Design: Richard Almind

    DEFF Research Database (Denmark)

    Vrang, Vibeke; Bergenholt, Henning; Lund, Lena

    mere. I sidste tilfælde drejer det sig dels om en indlæringsfunktion, dels om en underholdningsfunktion. I fagsproget taler vi om lexicotainment (ordbogsunderholdning). Hvor mange idiomer findes der overhovedet på dansk? Hertil kan vi sige, at denne ordbog indeholder ca. 7.500 idiomer. Dette tal kan...... dog, alt efter, hvordan man tæller, gøres betydeligt større. Hvis vi fx tager et idiom fra idiomordbogen: gå/være (helt) ad Pommern til, tæller det som et og kun et idiom med betydningen 'gå/være meget dårligt', selv om det i praksis dækker fire varianter....

  1. Morfologisk og molekylær karakterisering af en eimeriaart fra danske mink

    DEFF Research Database (Denmark)

    Petersen, Heidi Huus; Chriél, Mariann; Hansen, Mette Sif

    2017-01-01

    I perioden april til oktober 2016, blev fæces fra mink (Neovison vison) på 30 danske minkgårde undersøgt med henblik på at fastlægge forekomsten og arterne af Eimeria hos danske mink (Neovison vison). På basis af morfologisk undersøgelse af sporulerede oocyster, blev oocyster som lignede tidligere...... beskrevet art, kaldet E. vison identificeret. Den fundne art var dog en smule mindre end E. vison. Efterfølgende blev oocysterne forsøgt identificeret molekylært og sammenlignet med sekvenser i Genbank. Desværre var der ikke tilgængelige mink sekvenser i GenBank, og den nyligt fundne Eimeria art kaldes...... derfor for Eimeria vison-like. I alt fandtes 2,6% (108/4.141) af de underøgte fæcesprøver positive for E. vison-like oocyster ved mikroskopi, svarende til at 23,9% (78 mink) af minkene udskilte E. vison-like oocyster mindst én gang i undersøgelsesperioden....

  2. Den Dansk-Engelske Regnskabsordbog/Danish-English Dictionary of Accounting

    DEFF Research Database (Denmark)

    Nielsen, Sandro; Mourier, Lise; Bergenholtz, Henning

    Den Dansk-Engelske Regnskabsordbog. Hver af ordbøgerne har 4.100 opslagsord og ca. 15.000 ordforbindelser. Ordbøgerne bygger primært på den gældende danske årsregnskabslov, danske regnskabsvejledninger og internationale regnskabsstandarder (IAS/IFRS)....

  3. DEBATTEN OM EN OFFICIEL UNDSKYLDNING FOR SLAVERIET I DANSK VESTINDIEN, 1998 -

    DEFF Research Database (Denmark)

    Villadsen, Lisa Storm

    2017-01-01

    Bør det officielle Danmark undskylde for sin rolle i slavehandel og slavehold i den tidligere koloni Dansk Vestindien? Det har været diskuteret i en årrække både i dansk politik og den bredere offentlighed. Danske regeringer har med forskellige begrundelser hidtil afvist at give en officiel undsk...

  4. "To be or not to be" - Hamlets monolog i danske oversættelser

    DEFF Research Database (Denmark)

    Onsberg, Merete

    2008-01-01

    Tolv danske oversættelser af Hamlets monolog To be or not to be fra 1807 til i dag undersøges metrisk for at give et signalement af blankverset på dansk. Der argumenteres for at opfatte det danske blankvers som bisyllabiske femslagsrækker med fire slag og trisyllabler som variationer, hvorimod...

  5. Kortlægning af naturtyper i et landsdækkende dansk arealinformationssystem

    DEFF Research Database (Denmark)

    Mielby, S.; Groom, G.; Platou, S. W.

    1997-01-01

    Dansk Akademi for Stedsbestemt Information, Dansk Kartografisk Selskab, Dansk Selskab for Fotogrammetri og Landmåling, AM/FM Nordic Region Øverst på paper står også: AM/FM-GIS Nordic Conference...

  6. Dansk akvakultur – vækstmuligheder og barrierer

    DEFF Research Database (Denmark)

    Nielsen, Rasmus

    2017-01-01

    Akvakultur (produktionen af fisk, skaldyr og tang) er verdens hurtigst voksende fødevareerhverv. I et dansk perspektiv er værditilvæksten per fuldtidsbeskæftiget højere end i alle landbrugets driftsgrene. Men der er barrierer; den mest betydende er de miljømæssige rammer.......Akvakultur (produktionen af fisk, skaldyr og tang) er verdens hurtigst voksende fødevareerhverv. I et dansk perspektiv er værditilvæksten per fuldtidsbeskæftiget højere end i alle landbrugets driftsgrene. Men der er barrierer; den mest betydende er de miljømæssige rammer....

  7. 1909 - et vigtigt år i dansk bibliotekshistorie

    DEFF Research Database (Denmark)

    Dahlkild, Nan

    2009-01-01

    En undersøgelse af betydningen for dansk bibliotekshistorie af mønsterbiblioteket og forsamlingsbygningen på Landsudstillingen i Århus i 1909. 1:1 udstillingsbiblioteket og den efterfølgende indretning af biblioteket i Vejen markerede biblioteksbevægelsens og dermed biblioteksbyggeriets og biblio...

  8. Fremtiden for dansk forskning og højere uddannelse

    DEFF Research Database (Denmark)

    Prebensen, Henrik

    2007-01-01

    Danske universiteter har en tradition for en institutionskultur der bygger på selvstyre, på dynamisk sammenhæng mellem forskning og uddannelse, på forestillingen om erkendelsens og videnskabens enhed og på troen på forskningens og uddannelsernes egenværdi i et dannelsesperspektiv. Denne kultur er...

  9. Danske Markets: Läti valuutarisk suureneb / Mikk Salu

    Index Scriptorium Estoniae

    Salu, Mikk, 1975-

    2009-01-01

    Läti parlament hääletas vastu seaduseelnõule, mis oli osa Läti ja IMF-i vahelisest kokkuleppest. Danske Marketsi hinnangul on vähemalt Lätile laenajate vaatenurgast tegemist Läti-poolse lepingumurdmisega

  10. Forårets konflikter godt for den danske model

    DEFF Research Database (Denmark)

    Scheuer, Steen

    2008-01-01

    Den store vinder ved forårets konflikter var den danske model for aftaler på arbejdsmarkedet. De offentlige fagforeninger fik sig en lærestreg, da regeringen og Folketinget til de flestes overraskelse lod de lovlige konflikter løbe i ugevis. For hermed tvang man parterne, og især forbundene, til...

  11. Om jazz og race i dansk jazzkritik: nogle eksempler

    DEFF Research Database (Denmark)

    Thomsen, Christen Kold

    2010-01-01

    'Race' bliver i dansk jazzkritik, især fra 50erne og frem, ignoreret som et ydre 'sociologisk' faktum, i modsætning til kulturradiklisternes idealisering før 2. verdenskrig af musikernes 'race' . Men faktisk fortsætter begrebet med at spille en uerkendt rolle, ofte som kvalitets- og stilmarkør i ...

  12. Kronik: Lad fondene løfte dansk erhvervsliv

    DEFF Research Database (Denmark)

    Feldthusen, Rasmus Kristian

    2013-01-01

    , at virksomhedsejere kunne overdrage sin virksomhed til en fond med sa°kaldt “skattemæssig succession. ”Vi befinder os fortsat i en turbu- lent periode med efterdønningerne fra finanskrisen og der er mere end nogensinde før behov for, at vi sikrer at danske virksomheder forbliver i Danmark under et professionelt og ta...

  13. Krisen overskygger et velsmurt dansk EU-formandskab

    DEFF Research Database (Denmark)

    Adler-Nissen, Rebecca

    2012-01-01

    Danmark fremlagde sine formandskabsprioriteter for Europa-Parlamentet i januar 2012. Dermed kunne et travlt halvt år for den danske regering og embedsmænd tage sin begyndelse. Statsministeren understregede de fire hovedprioriteter for formandskabet i overskriftform: ”Et ansvarligt Europa, et dyna...

  14. Forhandlinger af mangfoldighed i danske kommunernes kostpolitikker for dagtilbud

    DEFF Research Database (Denmark)

    Damgaard Warrer, Sarah; Leer, Jonatan

    2018-01-01

    Artiklen præsenterer en diskurs analytisk undersøgelse af danske kommuners kostpolitikker. Formålet med studiet er at kortlægge kommunernes forhandling af mangfoldighed og den måltidspædagogiske opgave, hvilket udgør et arbejdsredskab for pædagogerne i kommunale dagtilbud. Studiet er baseret på e...

  15. Kronik i Information: Handel og klima er mere end eksport af danske vindmøller

    DEFF Research Database (Denmark)

    Nielsen, Laura

    2008-01-01

    Danmark spinder guld på den øgede klimabevågenhed. Danske politikere og diplomater kan med kampen imod klimaforandringerne i den ene hånd gå ud i verden og skabe behov for dansk klimateknologi og med den anden åbne døren for danske virksomheder, der står klar i kulissen med kontrakterne i hånden...

  16. Hvad snakker de om - hvad taler vi om? Danske soaps i genreanalytisk perspektiv

    DEFF Research Database (Denmark)

    From, Unni

    2003-01-01

    Afhandlingen har den danske soap som genstandsfelt og undersøger gennem en række tekstanalyser genrens konstituerende træk. I en empirisk publikumsundersøgelse sætter afhandlingen fokus på serien "Taxas" modtagelse i en dansk og en svensk kontekst.......Afhandlingen har den danske soap som genstandsfelt og undersøger gennem en række tekstanalyser genrens konstituerende træk. I en empirisk publikumsundersøgelse sætter afhandlingen fokus på serien "Taxas" modtagelse i en dansk og en svensk kontekst....

  17. "Serious game" i dansk sundhedsvæsen

    DEFF Research Database (Denmark)

    Knoke, Elke; Mortensen, Karen Rask

    2014-01-01

    Inspirationen til dette projekt kommer fra dansk sygehuspraksis. Formålet er at finde, vurdere og redesigne et fagligt relevant læringsspil (“serious game”) indenfor akutmedicin. Med udgangspunkt i det hollandske abcdeSIM er det formålet at undersøge, om og hvordan det kan bruges til uddannelse og...... økonomiske fordele i form af kvalitetssikring og effektivisering af uddannelsen ved at implementere et “serious game” i en akutafdeling. abcdeSIM kan reducere ressourcerne, som skal bruges til træning af personalet og til at øge og vedligeholde vidensniveauet i det danske sundhedsvæsen, og det kan dermed i...

  18. Hvad brugere mener om danske net-steder

    DEFF Research Database (Denmark)

    Molich, Rolf; Gram, Christian

    1998-01-01

    Netsteder (også kaldet "web-sites") er flotte og har mange smarte detaljer, men det kniber gevaldigt for typiske brugere at finde ud af dem. Det er den hårde konklusion på den første systematiske test af brugervenligheden af nogle store, interaktive danske netsteder. Godt 120 civilingeniørstudere......Netsteder (også kaldet "web-sites") er flotte og har mange smarte detaljer, men det kniber gevaldigt for typiske brugere at finde ud af dem. Det er den hårde konklusion på den første systematiske test af brugervenligheden af nogle store, interaktive danske netsteder. Godt 120...

  19. Dansk økonomi trues af et skrantende svensk boligmarked

    DEFF Research Database (Denmark)

    Østrup, Finn

    2016-01-01

    Der har været skrevet meget om truslerne i verdensøkonomien og Donald Trumps økonomiske politik. Men måske ligger den største trussel for dansk økonomi lige på den anden side af Sundet: Hvad sker der, hvis - eller måske når - det svenske boligmarked krakker?......Der har været skrevet meget om truslerne i verdensøkonomien og Donald Trumps økonomiske politik. Men måske ligger den største trussel for dansk økonomi lige på den anden side af Sundet: Hvad sker der, hvis - eller måske når - det svenske boligmarked krakker?...

  20. Europæisk offentlighed i danske medier

    DEFF Research Database (Denmark)

    Ørsten, Mark

    2006-01-01

    Nyere forskning viser, at en europæisk offentlighed er under udviklingen. Graden af europæisering er dog forskellig fra land til land. Men en ting er undersøgelserne enige om: Danske medier ligger i front, når det gælder europæisering. Udgivelsesdato: efterår......Nyere forskning viser, at en europæisk offentlighed er under udviklingen. Graden af europæisering er dog forskellig fra land til land. Men en ting er undersøgelserne enige om: Danske medier ligger i front, når det gælder europæisering. Udgivelsesdato: efterår...

  1. Supply Chain Management i danske virksomheder: En empirisk analyse

    DEFF Research Database (Denmark)

    Pedersen, Anne; Arlbjørn, Jan Stentoft; Haas, Henning de

    Formålet med denne undersøgelse er at tage temperaturen på supply chain management-praksis i danske virksomheder. Specifikt søges praksis afdækket inden for følgende fem områder: (1) Supply chain-strategi og -organisation, (2) Outsourcing, (3) Integration med kunder, (4) Sourcing og (5) It....

  2. Ordbog over Dansk Tegnsprog i fare for at lukke

    DEFF Research Database (Denmark)

    Bakken Jepsen, Julie

    2012-01-01

    Projektet ‘Ordbog over Dansk Tegnsprog’ blev iværksat i 2003. I 2008 blev den første udgave af ordbogen lanceret. Ordbogen er rettet mod en bred brugergruppe, som spænder over døve, hørende forældre med døve børn, døvblevne, tolke/tolkestuderende og lingvister/lingvistikstuderende....

  3. Danske politibetjentes perspektiver på peberspray som magtmiddel

    DEFF Research Database (Denmark)

    Pedersen, Anne Juul; Nielsen, Josefine; Kammersgaard, Tobias

    2017-01-01

    Peberspray blev introduceret i dansk politi i 2008 med henblik på at reducere skader på borgere og betjente. Siden da er politiets brug af stav og skydevåben mindsket, men den samlede brug af magtmidler er tredoblet. Vi analyserer dette misforhold mellem hensigt og virkning ved at undersøge, hvor...... (1957) teknikker til neutralisering af normoverskridende handlinger. Keywords: use of force, pepper spray, OC spray, neutralization...

  4. Den danske stat og det naturlige fædreland

    DEFF Research Database (Denmark)

    Glenthøj, Rasmus

    2007-01-01

    forsøgte på engang at være loyale over for både det statsborgerlige fædreland, der inkluderede hele den danske stat, og deres naturlige fædreland Norge, som de følte sig forbundet til gennem deres nationalitet og opvækst. Danskerne opererede med den samme dualistiske fædrelandsopfattelse, hvor de både...

  5. De internationale markeder for dansk svinekød

    DEFF Research Database (Denmark)

    Nielsen, Niels Asger

    2005-01-01

    En af de parametre, som har størst betydning for, om efterspørgselen efter dansk svinekød kan opretholdes eller øges i de kommende år er, hvordan ønsker og behov hos de endelige forbrugere udvikler sig i fremtiden. Det kan vi af gode grunde ikke vide præcist, men vi kan med udgangspunkt i blandt ...

  6. Aktiv løn i danske virksomheder

    DEFF Research Database (Denmark)

    Scheuer, Steen

    Formålet med artiklen er at belyse udbredelsen af årsbonus som incitamentløn blandt danske lønmodtagere i den private sektor samt især at belyse nogle effekter af årsbonus på oplevet fairness, på tilfredshed med løn og job og på selvrapporteret arbejdstid. Som forskningsdesign er valgt en stor kv...

  7. Danske hæmatologer er foran de amerikanske. http://haematologisktidsskrift.dk/diagnostik/282-danske-haematologer-er-foran-de-amerikanske.html

    DEFF Research Database (Denmark)

    Hokland, Peter

    2017-01-01

    Amerikanske hæmatologer og hæmatopatologer har udarbejdet en ny guideline, der skal forbedre diagnosticeringen og dermed behandlingen af akut anæmi, De er på linje med, hvad de hæmatologiske afdelinger allerede gør i Danmark, hvor man arbejder tæt sammen og følger samme protokol. Og kvaliteten er...

  8. Hovedstrømninger i dansk film- og medieforskning

    Directory of Open Access Journals (Sweden)

    Ib Bondebjerg

    2000-09-01

    Full Text Available Medieforskningen er i dansk sammenhæng endnu ung som institutionali- seret videnskab. Ikke desto mindre kan fagets videnskabsteoretiske grundlag periodiseres ved hjælp af en række markante bølger. Semiolo- gien og tysk inspireret kulturkritik og offentlighedsteori i 1970'erne, en re- ceptionsanalytisk modstrømning 1980'erne, samt nyere sociologisk teori og kognitionsforskning i 1990'erne. På baggrund af disse hovedstrøm- ninger skitserer Ib Bondebjerg kontroverserne og den teoretiske udvikling i dansk medievidenskab. Fremstillingen af disse brydninger hviler dog på denne pointe: at der bag de markante forskelle ligger en udbredt konsen- sus, som udgør selve sammenhængen i dansk medieforskning. Fælles for de forskellige teoretiske perspektiver er nemlig, at de på hver deres måde sætter institution/samfund, tekst/æstetik og modtager i forhold til hinanden. Det er imidlertid betoningen af tyngdepunktet i denne relation, der er forskellig.

  9. Universitet: Danske medier har et problem - persondata ender hos ukendte, eksotiske firmaer

    DEFF Research Database (Denmark)

    Sørensen, Jannick Kirk; Kosta, Sokol

    2018-01-01

    Mange danske medier er ikke et meget bedre end Facebook og Cambridge Analytice: Mediebrugeres søgehistorik, adresse, interesser, shopping-vaner og profilering, høstet ved brug af mange danske medier, havner nemlig i hænderne på annoncører, statistikfirmaer og andre ukendte virksomheder, hvor de...

  10. Dansk fodboldøkonomi er i fortsat vækst

    DEFF Research Database (Denmark)

    Storm, Rasmus K.

    2008-01-01

    Slutningen af 1990'erne og begyndelsen af det 21. århundrede var kendetegnet af underskud i langt størstedelen af klubberne i den danske superliga. I de senere år har dansk fodbolds mange underskudforretninger imidlertid bevæget sig i positiv retning. Balance på driften eller mindre overskud har ...

  11. Danske dagblade. 10 års økonomisk analyse

    Directory of Open Access Journals (Sweden)

    Hans Degn

    1991-09-01

    Full Text Available Den danske dagbladsbranche er præget af uro med fusioner, samar- bejdsaftaler, opkøb og lukninger. Hans Degn, lektor ved Den Grafiske Højskole, tager i artiklen temperaturen på branchens økonomi i perioden 1980-89. Han tegner herigennem omridset af en diagnose for branchen og dokumenterer balndt andet, at de økonomiske vilkår for henholdsvis provins-, regional- og landsaviser er meget forskellige; derfor hverken foreskriver eller anbefaler han nogen bestemt kur. Men hans redegø- relse og omfattende talmateriale, der omhandler udviklingen i avissalget, redaktionsudgifter, annonceindtægter, produktionsudgifter m.m., giver et sjældent indblik i dansk dagbladsøkonomi, som kan give en bedre for- ståelse for de strukturelle ændringer, som dagspressen nødvendigvis må gennemføre i de kommende år. Vi beklager, at det i nogle af figurerne kan være vanskeligt at skelne de enkelte kurver præcist; sammenholdt med den ledsagende tekst har de dog en vis illustrativ værdi. Af hensyn til læsningen er figurerne anbragt samlet efter artiklen.

  12. 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.

  13. At finde sin stemme på dansk

    DEFF Research Database (Denmark)

    Frederiksen, Karen-Margrete

    2013-01-01

    At finde sin stemme på dansk/ Finding your voice in Danish It is a general experience of foreigners in Denmark that Danes and other speakers of Danish tend to switch into English when the foreigners try to use and practice their Danish. In this article, I focus on foreign knowledge workers working...... at Danish universities and their experiences with finding their voice in Danish in an environment where English is frequently used. At CIP, Centre for Internationalisation and Parallel Language Use, we are developing a format for Danish courses aimed at foreign knowledge workers. Central to the development...... of the course is how to make it possible for the participants to practice their Danish and have a voice in Danish outside the classroom. In this article, I discuss different reasons why people switch into English when speaking with learners of Danish and the implications it may have, both for the learners...

  14. Dansk udlevering efter den europæiske arrestordre

    DEFF Research Database (Denmark)

    Elholm, Thomas; Bang Fuglsang Madsen Sørensen, Henning

    2016-01-01

    Den europæiske arrestordre, der blev vedtaget af EU i 2002, har haft stor betydning for retsudviklingen vedrørende udlevering af personer til strafforfølgning eller strafafsoning i EU. Danmark er - trods retsforbeholdet - fuldt ud med i ordningen om arrestordren, og mange danske domstole har...... efterhånden haft sådanne sager. Det har givet anledning til en række vanskelige juridiske spørgsmål. I den sidste tid har det især drejet sig om, hvorvidt udlevering kan afslås med henvisning til urimelige fængselsforhold i andre lande. EU-domstolen har den 5. april 2016 afsagt en vigtig dom om spørgsmålet...

  15. 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.

  16. 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...

  17. Mobil læring på danske universiteter

    Directory of Open Access Journals (Sweden)

    Inger-Marie Christensen

    2013-02-01

    Full Text Available Tallene for 2012 taler for sig selv. Ca. 60 % af den voksne, danske befolkning ejer en smartphone og hele 75 % af de 15-34 årige (FDB Analyse, 2012. Andelen af befolkningen, der anvender en mobiltelefon til at gå på nettet er mere end fordoblet i løbet af 2 år (fra 23 % i 2010 til 55 % i 2012, ligesom de mobile aktiviteter har ændret sig mod en mere intensiv anvendelse af apps, sociale netværk, e-bøger og andre former for interaktive multimedier (Danmarks Statistik, 2012; Pew Internet, 2012; GSMA, 2011. 20 % af befolkningen ejer nu også en tablet-pc og denne andel er i kraftig vækst (FDB Analyse, 2012. Både på danske gymnasier og i universitetssammenhæng ser man ligeledes en stigende interesse for den mobile teknologi og dens anvendelse i undervisningen. Uddannelsesinstitutionerne ønsker bl.a. at tilbyde fleksibel adgang til undervisningsmaterialer samt at understøtte aktiv og studenter-centreret læring (Odder Gymnasium, 2012; Johnson et al., 2012; Johnson et al., 2013, og de studerende ønsker at gøre brug af de devices, der allerede er en naturlig del af deres andre gøremål og uformelle læringsaktiviteter (Uys, 2012; Johnson et al., 2013; GSMA, 2011[1]. Alt dette giver helt nye udfordringer og muligheder for universitetsundervisningen, for selvom teknologien er flittigt brugt til fx underholdning, kommunikation og informationssøgning, er det ikke altid klart, hvorledes den bedst kan benyttes til undervisningsaktiviteter. Det er derfor med fornøjelse, at vi i dette nummer af LOM kan præsentere en samling af artikler med dugfriske erfaringer om brugen af mobil teknologi i undervisningen. Artiklerne beretter om gode erfaringer ved brug af mobile teknologier såvel som udfordringer og barrierer. Du kan finde konkrete eksempler på, hvordan teknologien er blevet anvendt til forskellige undervisningsaktiviteter så som forelæsninger, til vejledning, i forbindelse med eksamen og i laboratorieundervisning, ligesom flere af

  18. ESCO i danske kommuner: En opsamling af motiver, overvejelser og foreløbige erfaringer med ESCO i kommunale bygninger

    DEFF Research Database (Denmark)

    Jensen, Jesper Ole; Nielsen, Susanne Balslev; Hansen, Jesper Rohr

    Rapporten har til formål at give overblik over de hidtidige erfaringer med brug af ESCO i danske kommuner. ESCO er i dansk sammenhæng en ny samarbejdsform, som i de seneste år er blevet aktualiseret af ønsket om energioptimering af eksisterende bygninger. ESCO, som den benyttes herhjemme, adskill...

  19. 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…

  20. 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...

  1. Aktuelle perspektiver på menneskers forhold til dyr – en dansk introduktion

    DEFF Research Database (Denmark)

    Hansen, Tia Gitte Bondesen; Thodberg, Karen

    2016-01-01

    Artiklen introducerer det tværdisciplinære felt, der internationalt kaldes “human-animal studies” eller “anthrozoology” og foreslår “antropozoologi” som dansk fællesbetegnelse. Feltets baggrund og bredde skitseres, og dyreassisteret psykoterapi beskrives mere detaljeret. To små undersøgelser indg...

  2. KU & Dansk Erhverv: Humanister og erhvervsliv i fælles front

    DEFF Research Database (Denmark)

    Sommerlund, Julie; Riisgaard, Louise

    2015-01-01

    Humanister besidder relevant viden, som ofte først bliver anvendt i slutningen af virksomhedernes udviklingsproces, men den tilbøjelighed skal et nyt samarbejde gøre op med, skriver Julie Sommerlund, prodekan på Københavns Universitet, og Louise Riisgaard, chefkonsulent i Dansk Erhverv....

  3. Udviklingen på afsætningsmarkederne for dansk svinekød

    DEFF Research Database (Denmark)

    Jeppesen, Lisbeth Fruensgaard; Bredahl, Lone; Fjord, Thomas Ahle

    Danmark er verdens niende største producent af svinekød. Ca. 85% af den danske produktion afsættes i udlandet fordelt på ganske få hovedmarkeder. I Europa er de primære aftagere Tyskland, Storbritanien, Frankrig, Italien, mens Japan er det vigtigste marked uden for Europa, efterfulgt af Rusland...

  4. Den danske FN-aktivismes storhed og fald 1945-2016

    DEFF Research Database (Denmark)

    Jakobsen, Peter Viggo; Kjærsgaard, Kristine

    2017-01-01

    Traktat Organisation (NATO) og amerikansk-ledede koalitioner. De store skift i den danske FN aktivisme i perioden 1945-2016 analyseres i tre domæner: diplomati, økonomi og militær ved hjælp af fire indikatorer: frivillighed, initiativrigdom, risikovillighed og ressourceforbrug. FN’s aktivismens storhed og...

  5. Danske 4. klasseelever er bedre end gennemsnittet til matematik og natur/teknologi

    DEFF Research Database (Denmark)

    Middelboe, Vibe Abildtrup

    2016-01-01

    En ny undersøgelse af 4. klasseelevers præstationer i fagene matematik og natur/teknologi viser, at danske elever klarer sig godt internationalt set, og at vi i Danmark har mange elever, der er meget dygtige til matematik. Men den negative sociale arv er fortsat stærk, og lærerne oplever mere stø...

  6. Hviler Dansk Økonomi på en Cobb-Douglas teknologi?

    DEFF Research Database (Denmark)

    Harck, Søren H.

    Prisdannelsen og faktorefterspørgslen i Det økonomiske Råds sekretariats SMEC-model af dansk økonomi har siden 1998 været teoretisk begrundet i en underliggende Cobb-Douglas teknologi (i kombination med en antagelse om omkostningsminimering). I SMEC-forgængeren SMEC 94 var det derimod markup...

  7. Frede P. Jensen og den danske indkredsning af Vasatidens Sverige 40 år efter

    DEFF Research Database (Denmark)

    Andersen, Dan H.

    2016-01-01

    Artiklen er en analyse af receptionen af Frede P. Jensens kritik af den svenske historiker Arthur Stilles indflydelsesrige teori fra 1918 om årsagerne den svenske stormagts opståen. Stilles teori så den svenske politik som et grundlæggende defensivt og eksistentielt svar på en dansk indkredsning af...

  8. Tradition og håb for dansk animationsfilm med brod

    DEFF Research Database (Denmark)

    Jensen, Kasper Østerholdt

    2008-01-01

    FEATURE. Fra Bennys satirisk samfundskritiske badekar til Morgenthalers konfronterende Princess. Dansk animationsfilm har siden 1960’erne, hvor ikoner som Jannik Hastrup og Flemming Quist Møller satte kursen med de første små kortfilm, markeret sig ved at ville mere end blot være kulørt og blød...

  9. Dansk biomedicin under mikroskopet: Positive og negative feedback mekanismer i forskningens belønningssystem

    DEFF Research Database (Denmark)

    Kladakis, Alexander; Aagaard, Kaare

    2017-01-01

    Et nyt dansk studie zoomer ind på de lokale konsekvenser af et ekstremt kompetitivt biomedicinsk forskningsklima, hvor adgang til eksterne midler efterhånden er et uomgængeligt overlevelseskrav. Studiet illustrerer, hvordan store bevillinger ikke blot starter en opadgående spiral for bevillingsmo...

  10. Kvinden, diakonissen og sygeplejersken i Den danske Diakonissestiftelses etableringsfase 1863-1873

    DEFF Research Database (Denmark)

    Lauritzen, Jette

    and nurse in the establishing phase of `Den danske Diakonissestiftelse`, from 1863 to 1873, was partially culturally unacceptable and not culturally recognisable for the bourgeoisie. This meant that the deaconesses had to fight on all fronts to gain recognition and the possibility to further the cause...

  11. Kvinden, diakonissen og sygeplejersken i Den danske Diakonissestiftelses etableringsfase 1863-1873

    DEFF Research Database (Denmark)

    Lauritzen, Jette

    2005-01-01

    and nurse in the establishing phase of `Den danske Diakonissestiftelse`, from 1863 to 1873, was partially culturally unacceptable and not culturally recognisable for the bourgeoisie. This meant that the deaconesses had to fight on all fronts to gain recognition and the possibility to further the cause...

  12. 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.

  13. Retten til privathed i det danske sundhedsvæsen

    Directory of Open Access Journals (Sweden)

    Hanne Pihl Bjerre

    2014-05-01

    Full Text Available Formålet med nærværende oversigtsartikel er at undersøge den stigende digitalisering og deling af personlige informationer i sundhedsvæsenet, samt hvilke etiske udfordringer denne udvikling har for den enkelte borger. Mere præcis vil vi rammesætte denne diskussion i en dansk kontekst eksemplificeret ved Det Fælles Medicinkort. Det Fælles Medicinkort er en obligatorisk database for danske borgere indeholdende informationer om patienters medicinske historie to år tilbage. Denne database kan tilgås af en bred vifte af sundhedsprofessionelle i Danmark (Bekendtgørelse om Lægemiddelstyrelsens elektroniske registrering af de enkelte borgeres medicinoplysninger 2011.På trods af lovede sundhedsmæssige fordele, såsom en højere grad af sikkerhed i forbindelse med medicinering, en øget effektivisering af sundhedsvæsenet og dermed besparelser på de offentlige budgetter, plæderer vi i artiklen for, at implementeringen af Det Fælles Medicinkort kompromitterer den enkeltes privathed. Den enkelte borger er ikke i tilstrækkelig grad informeret om brugen af Det Fælles Medicinkort. Ydermere finder vi ikke, at borgerens autonomi i forhold til indholdet af personlige oplysninger i Det Fælles Medicinkort er opretholdt på en tilfredsstillende måde.Artiklens primære perspektiv er deontologisk, men for at nuancere vores diskussion inddrages lejlighedsvist også utilitaristiske argumenter. Endvidere inddrages i artiklen Helen Nissenbaum, Tom L. Beauchamp og James F. Childress samt John Rawls. I artiklen vil tre konkrete problemstillinger blive diskuteret i relation til Det Fælles Medicinkort: (1 Deler vi relevante og passende data? (2 Er distributionen af disse data til en så bred vifte af sundhedsprofessionelle på sin plads? Og slutteligt: (3 Er den enkelte borgers beslutningsdygtighed, og dermed mulighed for autonomi i forhold til personrelaterede informationer, tilstrækkelig.Nøgleord: digitalisering, privathed, Danmark, sundhedsv

  14. Danske domstoles anvendelse af udenlandsk retspraksis, som i sager om mangler i internationale køb reguleret af CISG

    DEFF Research Database (Denmark)

    Henschel, Rene Franz

    2006-01-01

    Danske domstole er blevet kritiseret for ikke at inddrage fremmed retspraksis og for ikke at redegøre for deres konklusioner i sager om internationale køb reguleret af CISG. På baggrund af en analyse af en nyere utrykt landsretsafgørelse påvises det, at denne kritik stadig er berettiget, idet en...... principiel tysk højesteretsafgørelse tilsyneladende er overset eller anvendt forkert. Det konkluderes, at retspraksis og teori med fordel kan inddrages i langt større omfang i danske sager om CISG, og at den danske begrundelsestradition skaber mere tvivl end klarhed. I modsat fald får dansk retspraksis om...... CISG næppe den store værdi i andre lande, idet der kan stilles spørgsmålstegn ved afgørelsernes grundlag og rigtighed....

  15. 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...

  16. Dansk udenrigs- og sikkerhedspolitisk aktivisme i en stadig mere multipolær verdensorden. Danmarks håndtering af den nye stormagt Kina

    DEFF Research Database (Denmark)

    Sørensen, Camilla T. N.

    2016-01-01

    Dansk udenrigs- og sikkerhedspolitik med dets fokus på at fremme dansk sikkerhed, danske interesser og danske værdier står over for nye betingelser. Det centrale spørgsmål er, hvordan dansk udenrigs- og sikkerhedspolitisk aktivisme skal operere i en stadig mere multipolær verdensorden. I artiklen...... anvendes en neoklassisk realistisk analyseramme, som muliggør analyse af, hvordan igangværende udviklinger i systemiske og indenrigspolitiske betingelser påvirker dansk udenrigs- og sikkerhedspolitik. Analysen viser, hvordan handlerummet for den danske værdipolitiske udenrigs- og sikkerhedspolitiske...... afhænger af stærke og stabile relationer til nye økonomiske og politiske magtcentre, som ikke deler værdier med Danmark. Den ændrede linje i dansk udenrigs- og sikkerhedspolitisk aktivisme viser sig tydeligst i forhold til Danmarks håndtering af den nye stormagt Kina, hvor 1990ernes danske megafondiplomati...

  17. Stadig skuldersår i strong>danske sobesætningerstrong>sobesætninger

    DEFF Research Database (Denmark)

    Bonde, Marianne

    2009-01-01

    Ny undersøgelse viser, at 17,2 procent af 3.831 diegivende søer i 98 forskellige, danske besætninger havde skuldersår. Hovedparten af skuldersårene var overfladiske, men dybe skuldersår (grad 3-4) blev fundet i næsten hver tredje besætning. Udgivelsesdato: 15. februar 2009......Ny undersøgelse viser, at 17,2 procent af 3.831 diegivende søer i 98 forskellige, danske besætninger havde skuldersår. Hovedparten af skuldersårene var overfladiske, men dybe skuldersår (grad 3-4) blev fundet i næsten hver tredje besætning. Udgivelsesdato: 15. februar 2009...

  18. Den danske samfundsudvikling 1848-2012 og marxistisk, neoklassisk, keynesiansk, monetaristisk og nykeynesiansk teori

    DEFF Research Database (Denmark)

    Madsen, Poul Thøis

    Efter i adskillige år at have undervist ud fra andres bøger og efter mange tilløb besluttede forfatteren sig for at skrive sin egen forskningsbaserede bog til Det Samfundsvidenskabelige Fællessemester, som dækker fem lektioner om den politiske økonomis historie og den danske økonomiske udvikling........ Ambitionen har været at udarbejde en kort appetitvækker, der gør, at studerende får et overblik og forstår nogle basale sammenhænge og får lyst til at vide mere om økonomisk teori, dansk og international økonomi og ikke mindst debatterne herom....

  19. Betaler det sig? Fleksibilitet og løn i den danske flexicurity-model

    DEFF Research Database (Denmark)

    Ibsen, Flemming

    2007-01-01

    Indkomstsikkerhed er at bevæge sig fra et job til at andet og få en højere løn, men er det tilfældet i dan danske flexicurity-model, betaler det sig at være fleksibel? Belønnes numerisk ekstern fleksibiblitet højrere end intern funktionel fleksibilbitet? Artiklen viser, at det bedst kan betale si...

  20. Udbredelse og anvendelse af markedsanalyser i større danske virksomheder 2007

    DEFF Research Database (Denmark)

    Poulsen, Carsten Stig

    2008-01-01

     For femte gang offentliggøres undersøgelsen af, hvor udbredt og anvendt markedsanalyse er blandt 'større' danske virksomheder, afgrænset ved omsætning og antal ansatte. Som ved de foregående undersøgelser er der en betydelig stabilitet over tid i udbredelsen af brugen af de undersøgte analysetyp...

  1. Sprogforståelse og hukommelse i danske surveyundersøgelser

    DEFF Research Database (Denmark)

    Olsen, Henning

    Afhandlingen sætter fokus på interviewpersoners sprogforståelse og hukommelse som årsag til måleproblemer – dvs. gyldigheds- og pålidelighedsproblemer – i danske samfundsvidenskabelige surveyundersøgelser. Undersøgelsen er opdelt i tre faser, hvoraf de to første afrapporteres i bind I. Ved...... tekstanalyse af spørgeskemaer fra op imod 50 danske surveyundersøgelser udvikles kvalitative og kvantitative hypoteser om sprogforståelse og hukommelse. I anden fase testes ti kvalitative hypoteser ved anvendelse af en særlig interview- og analysemetode omfat-tende laboratorieinterview med 32 informanter. De...... kvalitative hypotesetest efterfølges af en tredje fase afrapporteret i bind II, hvor fire hypoteser om udbredelsen af sprogsensitivitet blandt danske interview-personer afprøves. Hypoteserne testes ved gennemførelse af et split sample-eksperiment blandt 20-79-årige danskere, der har besvaret to moderat...

  2. 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.

  3. 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...

  4. 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...

  5. 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...

  6. Outsourcings økonomiske indflydelse på det danske samfund

    OpenAIRE

    Øhrgaard, Amalie; Stisen, Josefine Linding; Svarrer, Olivia Lutz; Crillesen, Rasmus Grevit; Condrup, Mette Grube; Nielsen, Sebbe Hodal

    2016-01-01

    Dette projekt har til formål at belyse virksomhederne Novo Nordisk og Lundbecks motiver for outsourcing og hvilke konsekvenser det har for den danske samfundsøkonomi. Virksomhedernes forretningsmodeller analyseres ud fra Business Canvas modellen, for at kunne give indsigt i de bagvedliggende strategier, der er med til, at øge virksomhedernes vækst og konkurrenceevne. Med afsæt i analyserne af virksomhederne, udføres en Cost-benefit analyse, hvor Business Canvas modellens output sammenholdes m...

  7. From Monolithic to Microservices An Experience Report from the Banking Domain

    DEFF Research Database (Denmark)

    Bucchiarone, Antonio; Dragoni, Nicola; Dustdar, Schahram

    2018-01-01

    Microservices have seen their popularity blossoming with an explosion of concrete applications in real-life software. Several companies are currently involved in a major refactoring of their back-end systems in order to improve scalability. This article presents an experience report of a real......-world case study, from the banking domain, in order to demonstrate how scalability is positively affected by reimplementing a monolithic architecture into microservices. The case study is based on the FX Core system for converting from one currency to another. FX Core is a mission-critical system of Danske...

  8. 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-.

  9. 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.

  10. Innovation processes in the energy sector

    DEFF Research Database (Denmark)

    Bulathsinhala, Nadika A.

    Denne afhandling handler om, hvordan innovationsprocesser i den danske energisektor kan forbedres. Hvert år bliver der tildelt mange økonomiske midler til energiforskning som skal bidrage til at forbedre nuværende energiteknologier og skabe nye energiteknologier. Afhandlingen tager udgangspunkt i...

  11. Reklamen som pastiche. Om Dansk Sygeplejeråds annoncekampagne efteråret 1986

    Directory of Open Access Journals (Sweden)

    Gunhild Agger

    1989-08-01

    Full Text Available Der er flere og flere medieproducenter, der anser modtagerne for at besidde en vis tekstuel intelligens. Fra detektivpasticher som Dick Spanner og Batman over den konstant genreparodierende "Moon- lighting" (De heldige helte til Poul og Nulles respektløse faktion "I sandhedens Tjeneste" leges der med betydningsdannelsen. Seerne/læserne indbydes til selv at spille ping-pong med billeder og tekst. Gunhild Agger analyserer her denne tendens, sådan som den kom- mer til udtryk inden for reklamen: Anker Jørgensen som James Bond, og kondomer til Prinsessen på Ærten! Mest indgående beskæftiger hun sig med Dansk Sygeplejeråds brug af myten om sygeplejersken i en annoncekampagne op mod overenskomstforhandlingerne i 1987. Gunhild Agger nøjes ikke med en indholdsanalyse af annoncerne, men beskriver hele kampagnen: Dansk Sygeplejeråds hensigter med frem- stødet, kampagnens lancering over for den tre-dobbelte målgruppe, læsernes formodede reception, og kampagnens politiske og holdnings- mæssige effekter.

  12. Internationale kommunikationseffekter ved fremsendelse af danske vidensregnskaber på engelsk til kunder i Storbritannien og Tyskland: Forskningsbaggrund og -design

    DEFF Research Database (Denmark)

    Skaates, Maria Anne

    2003-01-01

    Formålet med dette Working Paper er at fastlægge en metodologi for et kommende studium af de internationale kommunikationseffekter ved fremsendelse af danske vidensregnskaber på engelsk til kunder i Storbritannien og Tyskland. I det følgende afsnit vil der derfor blive redegjort generelt for, hvad...

  13. Læremiddeltjek af Fandange - dansk for 5. klasse af Trine May og Susanne Arne-Hansen

    DEFF Research Database (Denmark)

    Christensen, Mette Vedsgaard

    2013-01-01

    Fandango 5 er skrevet af Trine May og Susanne Arne-Hansen og er første gang udgivet i 2009. Systemet er siden kommet i flere oplag. Fandango – dansk for 5. klasse består af en grundbog (264 sider) Arbejdsbog A (64 sider) Arbejdsbog B (64 sider), en lærervejledning (ca. 220 sider) og en hjemmeside...

  14. En analyse af de danske familiers gældsætning og finansielle sårbarhed

    DEFF Research Database (Denmark)

    Lunde, Jens

    2012-01-01

    . De egentlige risici ved den høje gæld blandet danske boligejere opsummeres afslutningsvis. Det drejer sig om risiko for 1) yderligere boligprisfald, 2) yderligere tilbageslag i økonomien, 3) rentestigninger. Hertil kommer, at mange låntagere med afdragsfrie realkreditlån får mindst en fordobling af...

  15. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

    Full Text Available Information systems outsourcing issues has been attracted in recent years because many information systems projects in organizations are done in this case. On the other hand, failure rate of this kind of projects is also high. The aim of this article is to find success factors in risk management of information systems outsourcing in commercial banks using these factors leads to increase the success rate of risk management of information systems outsourcing projects. Research methods in the present article based on purpose are applied and descriptive- survey. In addition, research tool is questionnaire which was used among commercial bank experts. For this purpose, First information systems outsourcing risks were identified and then ranked. In the next step, the information systems outsourcing reasons were surveyed and the most important reasons were identified. Then the risks which have not any relationship with the most important reasons were removed and success factors in managing residual risks were extracted.

  16. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

    The development of information and communication technology is one of the most important reasons for the incredibly fast changes in business. Electronic commerce is spreading unstoppably in the operations of companies. The creation of new models, such as online banking, online shopping and the like, has sped up the development of the World Wide Web. Owing to the rapid progress of the World Wide Web and technologies for secure business operations, we can barely imagine life today without e...

  17. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

    The authors study environments in which agents may borrow sequentially from more than one leader. Although debt is prioritized, additional lending imposes an externality on prior debt because, with moral hazard, the probability of repayment of prior loans decreases. Equilibrium interest rates are higher than they would be if borrowers could commit to borrow from at most one bank. Even though the loan terms are less favorable than they would be under commitment, the indebtedness of borrowers i...

  18. 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…

  19. 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...

  20. Svingdøre og blindgyder på det danske arbejdsmarked

    DEFF Research Database (Denmark)

    Larsen, Flemming; Bredgaard, Thomas

    Det er et grundliggende paradoks på det danske arbejdsmarked, at dem på arbejdsmarkedet løber stærkere og stærkere med stress-relaterede sygdomsproblemer, forringet livskvalitet og eksklusion til følge, mens en tilsyneladende næsten uforandret gruppe af mennesker står mere eller mindre permanent......, hvordan disse paradoksproblemer på nutidens arbejdsmarked kan forstås, samtidig med at der gives et muligt bud på løsningsforslag. Det gøres ud fra begrebet om transitionelle arbejdsmarkeder (Transitional Labour Market - TLM), som er lanceret af den tyske professor i økonomisk politik Günther Schmid...

  1. 2001 – 2010 Dansk Design Reference Year Supplerende datasæt

    DEFF Research Database (Denmark)

    Grunnet Wang, Peter; Scharling, Mikael; Wittchen, Kim Bjarne

    Det danske Design Reference Year (DRY) datasæt blev præsenteret i 2012 [1], specielt med henblik på teknisk dimensionering indenfor solenergi-sektoren. I nærværende rapport præsenteres et supplerende datasæt for parametrene atmosfæretryk, vindretning, skydække, vandtemperatur samt jordtemperatur....... tillæg til det supplerende datasæt er der præsenteret et separat datasæt til byggesagsbehandling, se afsnit 6. Dette datasæt indeholder data fra blot én station pr. parameter, der er blevet udvalgt som værende repræsentativ for hele Danmark....

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

    NARCIS (Netherlands)

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

    2017-01-01

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

  3. Dansk jern

    DEFF Research Database (Denmark)

    Lyngstrøm, Henriette Syrach

    jernalderens begyndelse til langt op i middelalderen. Gennem alle årene var jernteknologien primært knyttet til landbefolkningen og til de civile interesser. Men med mellemrum nød den også militær- og handelspolitisk bevågenhed fra stormænd, høvdinge og konger. For adgangen til de gode jernkvaliteter var selve...

  4. 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.

  5. 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...

  6. 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.

  7. 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.

  8. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  9. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

    The use of human organs and tissues for transplantation in Australia has increased significantly over the past 30 years. In 1997, the Australian Coordinating Committee on Organ Registries and Donation (ACCORD) reported a total number of 190 organ donors, 636 corneal donors and 1509 bone donors Australia wide. Of the 1509 bone donations, 143 came from cadaveric sources and 1366 were made by living donors. Bone transplantation is not as widely recognised as solid organ or corneal transplantation. Due to improved technology and surgical skills, the demand for bone transplantation has increased markedly. This Clinical Update will provide an overview of the physiological aspects of bone transplantation and explore bone banking, a key step in the complex and critical process of bone transplantation.

  10. 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....

  11. 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

  12. 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 ...

  13. Højpris- og højkvalitetsprodukter og den danske eksport af landbrugs- og fødevarer

    DEFF Research Database (Denmark)

    Hansen, Henning Otte; Elleby, Christian; Gylling, Morten

    2017-01-01

    enkelte varegrupper inden for gruppen af landbrugs- og fødevarer. Der er en relativt stor andel højværdivarer i den danske landbrugseksport i forhold til de øvrige EU-landes tilsvarende eksport. Ud fra seks konkrete eksempler (minkskind, modificeret stivelse, rajgræs, smør, blåskimmelost og svinekød...

  14. 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...

  15. Humor i dansk TV-reklame. Et middel på tværs af livsstil?

    DEFF Research Database (Denmark)

    Stigel, Jørgen

    2008-01-01

    Udgangspunktet for denne artikel er, at humor spiller en relativt dominerende  rolle i dansk tv-reklame, og at der dermed er tale om en stilart, som i høj grad søger at vinde tilslutning og sympati igennem en inkluderende henvendelsesmodus. Man kunne fristes til at antage, at dette skulle hænge...... sammen med en særlig dansk mentalitet, og at humor er mere eller mindre uomgængelig, hvis man vil have danske forbrugere i tale. Dette forhold kontrasteres med den tænkning i livsstile, som er blevet dominerende, dvs. en tænkning, der grundlæggende søger at udskille bestemte forbrugertyper eller -grupper...... og altså grundlæggende skiller eller ekskluderer i segmenter, målgrupper og værdifællesskaber og dermed i princippet også dikterer en udformning af kommunikationen, der sætter skel. Artiklens pointe er, at humor i flere henseender kan være en pragmatisk måde at omgå en række af de problemer, som...

  16. 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

  17. 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

  18. 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’

  19. 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

  20. 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.

  1. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  2. Kvalitet i danske masteruddannelser – Et spørgsmål om kompetenceudvikling eller…?

    Directory of Open Access Journals (Sweden)

    Nikolaj Wittrup Møller Stegeager

    2016-04-01

    Full Text Available Denne artikel beskæftiger sig med de danske masteruddannelser. Med udgangs-punkt i en undersøgelse fortaget i forbindelse med forfatterens ph.d.- projekt (afsluttet i sommeren 2014 vil artiklen på baggrund af en verserende debat om masteruddannelsernes kvalitet og relevans diskutere kvalitet i dansk akademisk videreuddannelse. Den kvalitative undersøgelse, der ligger til grund for artiklen, anskueliggør, at selvom de studerende oplever, at de gennem deres toårige studie har tilegnet sig en række konkrete og brugbare kompetencer, peger de på andre og mere transformative læringskvaliteter, når man beder dem om at beskrive det vigtigste udkomme af deres uddannelsesforløb. Artiklen argumenterer for, at denne læring, der i højere grad kan siges at knytte sig til personen i form af en etisk-eksistentiel dannelse frem for en specifik kunnen, har nær sammenhæng med det at befinde sig i et akademisk, videnskabeligt miljø. På dette grundlag søger artiklen at problematisere aktuelle forslag om at slække på kravet til masteruddannelsernes videnskabelige fundament for i stedet at fokusere på mere instrumentelle, erhvervsrettede kompetencer og færdigheder. Based on findings from the author’s PhD project, the article discusses quality in Denmark’s continuing education system. The qualitative study underlying the article focuses on a newly established Master’s programme in Organizational Coaching and Learning. The aim of the research was to study what the students attending the Master’s programme learn and how they apply their learning in their daily practice. When evaluating their learning experience the students report that they have acquired a number of practical and useful skills throughout their two-year study. Even so, they point to other, more generic learning qualities as the most important outcome of their education. The article argues that the transformational learning qualities, reported by the students, are closely

  3. 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...

  4. Danske duehøges populationsøkologi og forvaltning

    DEFF Research Database (Denmark)

    Drachmann, J.; Nielsen, J. T.

    Efter at duehøgen blev helårsfredet i 1967 gik antallet af duehøge frem i Danmark igennem 1970erne og 1980erne, men i løbet af 1990erne er populationen atter gået tilbage flere steder i Danmark. I Vendsyssel gik duehøgepo-pu-la-tio-nen således frem fra 31 ynglepar i 1977 til 72 par i 1994...... seneste års tilbagegang i den danske duehøgepo-pu-la-tion. Duehøgs reproduktion Duehøgens ungeproduktion kunne relateres til hunnens alder i 951 yngleforsøg, og til hannens alder i 561 yngleforsøg. Den aldersspecifikke ungeproduktion steg med såvel han- som hunalder, men kun den aldersafhængige...... duehøgens byt-te steg signifikant fra midten af 1990erne bå-de i og uden for yngletiden, og stigningen hang sammen med en stigende mængde fasaner i Vendsyssel i løbet af 1990erne da interessen for at udsætte fasaner til jagt i undersøgelsesområdet nemlig steg markant efter 1993. Stigningen i antallet af...

  5. Implementeringsforskning: vitenskap for forbedring av praksis

    Directory of Open Access Journals (Sweden)

    Signe Flottorp

    2013-11-01

    Full Text Available Medisinsk forskning har ført til store framskritt de siste tiårene. Det er investert mye mer ressurser på basalforskning og klinisk forskning enn på å utvikle og evaluere metoder for å sikre at pasientene får nytte av forskningen. Formålet med implementeringsforskning er å redusere gapet mellom forskning og praksis, ved å utvikle og evaluere tiltak som kan sikre at behandlingen som pasientene mottar er kunnskapsbasert, at den er omsorgsfull og av god kvalitet.I denne artikkelen gjør vi rede for hva implementering og implementeringsforskning er. Vi belyser historikken til denne unge vitenskapen, og illustrerer mangfoldet i de faglige tilnærmingene og begrepene som brukes om det å få forskning brukt i praksis. Det finnes en rekke teorier om endring av atferd, både på individnivå og på organisatorisk nivå. Teoriene er imidlertid i liten grad testet empirisk, særlig når det gjelder å endre atferd i helsetjenesten.Systematiske oversikter over metodisk gode studier er den beste kilden til informasjon om effekt av implementeringstiltak. The Cochrane Effective Practice and Organisation of Care Group (EPOC er en viktig kilde for slike oversikter. De systematiske oversiktene som er utarbeidet på dette feltet viser at passive dissemineringstiltak har begrenset effekt, mens mer aktive tiltak kan ha liten til moderat effekt. Det er ofte betydelig variasjon i effekt på tvers av studiene. Det er derfor viktig å få bedre kunnskap om hvilke faktorer som kan forklare slike forskjeller i effekt.Vi gir eksempler på norske implementeringsstudier, og refererer bidrag fra forskere ved Kunnskapssenteret. Implementeringsforskningen kan, hvis den lykkes, sikre pasientene bedre behandling.Flottorp S, Aakhus E. Implementation research: science for improving practice. Nor J Epidemiol 201 3; 23 (2: 187-196.ENGLISH SUMMARY Medical research has led to major advances in recent decades. More resources have been invested in basic and clinical research than into the development and evaluation of methods to ensure that patients benefit of research findings. The purpose of implementation research is to reduce the gap between research and practice, by developing and evaluating measures to ensure that the treatment patients receive is evidencebased, caring and of high quality.In this article, we briefly explain implementation and implementation research. We illustrate the history of this young science, and the diversity of academic approaches and concepts used when trying to get research into practice. There are a number of theories about behavioural change, both at the individual and organisational level. The theories are, however, rarely tested empirically, especially when it comes to changing behaviour in the health services.Systematic reviews of methodologically rigorous studies are the best source of information about the effects of implementation interventions. The Cochrane Effective Practice and Organisation of Care Group (EPOC is a major source of such reviews. The systematic reviews that have been produced in this area indicate that passive dissemination has limited impact, while more active interventions may have small to moderate effects. There is often considerable variation in the effects across studies. It is therefore important to gain better knowledge of the factors that may explain such effect-differences.We give examples of Norwegian implementation studies, and refer contributions from researchers at the Norwegian Knowledge Centre for the Health Services. Implementation research has the potential, if successful, to ensure that patients receive better health care.

  6. Blockchain kan forbedre sundhedsvæsnet

    DEFF Research Database (Denmark)

    Damsgaard, Jan

    2017-01-01

    Med blockchain-teknologi får vi en mulighed for at gentænke vores udskældte sundheds-IT-systemer.......Med blockchain-teknologi får vi en mulighed for at gentænke vores udskældte sundheds-IT-systemer....

  7. Laktoseintolerans. Gentest forenkler og forbedrer diagnostikken

    DEFF Research Database (Denmark)

    Vestergaard, Else Marie; Troelsen, Jesper; Lange, Aksel

    2008-01-01

    The molecular genetics of adult-type hypolactasia is reviewed. Genotyping for the LCT-13910C>T polymorphism as a standard first-stage diagnostic approach for the diagnosis of adult-type hypolactasia and a replacement of the lactose tolerance test is suggested. Udgivelsesdato: 2008-Oct-13......The molecular genetics of adult-type hypolactasia is reviewed. Genotyping for the LCT-13910C>T polymorphism as a standard first-stage diagnostic approach for the diagnosis of adult-type hypolactasia and a replacement of the lactose tolerance test is suggested. Udgivelsesdato: 2008-Oct-13...

  8. 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

  9. 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

  10. 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.

  11. 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

  12. 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...

  13. 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...

  14. 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....

  15. Green Bank Observatory (GBO)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...

  16. 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...

  17. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  18. 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...

  19. 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...

  20. 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 ...

  1. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

    The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

  2. 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.

  3. 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.

  4. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

    The NEA Data Bank provides the nuclear data and computer programs necessary for reactor design and other calculations over a wide range of nuclear energy applications. The role which the Data Bank plays in international cooperation efforts, and the procedures to follow to obtain data and programs from the Data Bank are described. (Auth.)

  5. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  6. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  7. 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

  8. 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

  9. 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

  10. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  11. 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

  12. 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.

  13. 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.

  14. Dansk oversættelse af MiDAS, et redskab til assessment af musikterapi for personer med demens

    DEFF Research Database (Denmark)

    Ridder, Hanne Mette Ochsner; Lykkegaard, Chris; McDermott, Orii

    2018-01-01

    Music in Dementia Assessment Scales, MiDAS, er udviklet til at vurdere ændringer i trivsel hos borgere med demens som har deltaget i musikterapi. Målingen udføres af 1) personale før og efter musikterapien for at vurdere om der er en indflydelse i hverdagssituationer efterfølgende, eller af 2......) musikterapeuten umiddelbart efter sessionen for at vurdere forandringer i selve sessionen. Der har været stor interesse for at anvende MiDAS i flere Europæiske lande, herunder Danmark. Derfor undersøgte udviklerne af MiDAS hvilke procedurer der anvendes til oversættelse og kulturel tilpasning af...... assessmentredskaber, og anbefalede på den baggrund en ti-trins procedure. Vi anvendte denne procedure til oversættelsen af MiDAS og således udviklingen af den danske MiDAS-DK. Den danske version af MiDAS er afprøvet af mere end 20 fagpersoner på baggrund af 296 udfyldte MiDAS-skemaer. Målet med artiklen er...

  15. Dansk oversættelse af MiDAS, et redskab til assessment af musikterapi for personer med demens

    DEFF Research Database (Denmark)

    Ridder, Hanne Mette Ochsner; Lykkegaard, Chris; McDermott, Orii

    2018-01-01

    DAS explored which procedures is used for outcome measure translation and cultural adaptation, and based on this recommended a ten-step procedure. We applied this procedure in order to translate MiDAS and hereby develop the Danish MiDAS-DK. The Danish MiDAS version has been tested by more than 20 professionals......) musikterapeuten umiddelbart efter sessionen for at vurdere forandringer i selve sessionen. Der har været stor interesse for at anvende MiDAS i flere Europæiske lande, herunder Danmark. Derfor undersøgte udviklerne af MiDAS hvilke procedurer der anvendes til oversættelse og kulturel tilpasning af...... assessmentredskaber, og anbefalede på den baggrund en ti-trins procedure. Vi anvendte denne procedure til oversættelsen af MiDAS og således udviklingen af den danske MiDAS-DK. Den danske version af MiDAS er afprøvet af mere end 20 fagpersoner på baggrund af 296 udfyldte MiDAS-skemaer. Målet med artiklen er...

  16. Impact of E-Banking on Traditional Banking Services

    OpenAIRE

    Vyas, Shilpan Dineshkumar

    2012-01-01

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

  17. 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.

  18. På vej mod en dansk krondyrforvaltning (Cervus elaphus): Hvad mangler vi at vide, og hvad mangler vi at gøre?

    DEFF Research Database (Denmark)

    Sunde, Peter; Haugaard, Lars

    2014-01-01

    Krondyret adskiller sig fra andre jagtbare danske pattedyr ved at færdes over væsentligt større arealer end den gennemsnitlige privatejede jagtrevirstørrelse. Dette fører til ”tragedy of commons”-syndromet, hvor alle konkurrerer om at udnytte en fælles ressource uden overordnet plan eller reguler...

  19. Electric Co'Co' bi-voltage locomotive class EG 3100 of DSB; Co'Co'-Zweifrequenzlokomotive EG 3100 fuer Danske Statsbaner

    Energy Technology Data Exchange (ETDEWEB)

    Pedersen, B.O. [DSB Materiel Technik, Copenhagen (Denmark); Joergensen, O.A. [Siemens AG, Erlangen (Germany). Abt. VT 62; Proell, J. [Siemens AG, Muenchen (Germany). Abt. VT 68

    2000-12-01

    DSB has purchased a series of heavy electric locomotives for hauling transit freight trains between Central Europe and Scandinavia. Demands, basic features and technical components are described in detail. (orig.) [German] Fuer den Transitgueterverkehr zwischen Mitteleuropa und Skandinavien hat Danske Statsbaner eine Serie schwerer elektrischer Lokomotiven beschafft. Die Anforderungen, das Grundkonzept und die technischen Komponenten werden ausfuehrlich beschrieben. (orig.)

  20. Electric Co'Co' bi-voltage locomotive class EG 3100 of DSB; Co'Co'-Zweifrequenzlokomotive EG 3100 fuer Danske Statsbaner

    Energy Technology Data Exchange (ETDEWEB)

    Pedersen, B.O. [DSB Materiel Technik, Copenhagen (Denmark); Joergensen, O.A. [Siemens AG, Erlangen (Germany). Abt. VT 62; Proell, G. [Siemens AG, Muenchen (Germany). Abt. VT 68

    2001-07-01

    DSB has purchased a series of heavy electric locomotives for hauling transit freight trains between Central Europe and Scandinavia. Demands, basic features and technical components are described in detail. (orig.) [German] Fuer den Transitgueterverkehr zwischen Mitteleuropa und Skandinavien hat Danske Statsbaner eine Serie schwerer elektrischer Lokomotiven beschafft. Die Anforderungen, das Grundkonzept und die technischen Komponenten werden ausfuehrlich beschrieben. (orig.)

  1. 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

  2. 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...

  3. 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.)

  4. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

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

  5. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  6. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  7. Digital Banking 2025

    OpenAIRE

    Gasser, Urs; Gassmann, Oliver; Hens, Thorsten; Leifer, Larry; Puschmann, Thomas; Zhao, Leon

    2017-01-01

    As time-to-market for digital banking products becomes shorter and shorter, thousands of Financial Technology (FinTech) startups and other non-banks are rising to the occasion by developing new products, services, and business models for all areas of banking in payments,investments, and financing along the entire value chain, touching all areas from front to back office, as client adoption of these new services accelerates. The lighting Company Osram, for example, recently had to reduce its w...

  8. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  9. 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...

  10. 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...

  11. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks’ aggregate fee income rose slightly in the banks’ 2011 financial years, but that growth in fee income was less than that in banks’ total assets. Fee income from households declined while fee income from businesses grew, largely as a result of increases in fees on business loans and bank bills.

  12. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  13. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  14. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  15. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fe...

  16. 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

  17. 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...

  18. 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-...

  19. 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.

  20. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  1. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

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

  2. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

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

  3. Optimal Central Bank Transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  4. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  5. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  6. Transparency of Banking Supervisors

    NARCIS (Netherlands)

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

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

  7. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  8. Destroy The Bank! (case)

    NARCIS (Netherlands)

    G.J. Van der Star; dr. A. Maas

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the

  9. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  10. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly

  11. Midtvejsrapport – Udvikling, test og validering af QTI-spørgsmål i en dansk gymnasiekontekst

    DEFF Research Database (Denmark)

    Lund, Lea; Lund, Rolf Lyneborg

    Rapporten omhandler specifikt udviklingen af en dansk version af spørgsmålene i ’Questionnaire on Teachers Interaction’ (QTI), som er et element af projektet ”Relationskompetence og Klasseledelse i gymnasiet” (ROK). QTI er et empirisk velafprøvet og udbredt spørgeskema til elever, som giver et blik...... Utrecht Universitet til stadighed ændrer på begrebsbetegnelserne i deres modeller for MITB (The Model for Interpersonal Teacher Behavior), som er grundlaget for QTI. Det er vores håb med denne rapports gennemsigtighed omkring spørgsmålsudviklingen og fremlæggelsen af alle data og den endeligt statistisk...

  12. The competitive challenge in banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Schmeits, A.

    2005-01-01

    The increasingly competitive environment poses challenges to bankers. This paper emphasizes relationship banking as a prime source of the banks' comparative advantage. The proliferation of transaction-oriented banking (trading and financial market activities) does however seriously challenge

  13. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  14. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  15. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

  16. 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...

  17. 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...

  18. 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 ...

  19. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

    Full Text Available Bank of Moslem law one of its target is profit oriented as financial institution intermediasi beside as institute of baitul maal. Bank of Moslem law can accept the fund coming from zakat , infak, alms, hibah, or other social fund which among other things come the ta’zir. Bank of Moslem law also channel it social fund coming from communal ownership of money to communal ownership organizer (nadzir as according to will ;desire of communal ownership giver (wakif. social Function execution have to pursuant to Statute of Management of Zakat and Statute of Wakaf.

  20. De største danske virksomheder er meget informative i rapporteringen til offentligheden om deres procedure til bekæmpelse af korruption

    DEFF Research Database (Denmark)

    Hartmann, Stig

    2017-01-01

    I undersøgelser gennemført af Transparency International Danmark i 2014 og 2016 af de største danske børsnoterede og ikke børsnoterede virksomheder viser det sig, at disse virksomheder er meget informative omkring deres procedure for at undgå korruption og bestikkelse samt i deres information om...... ejerforhold. Til gengæld er de store virksomhederne ikke særligt informative om deres omsætning og skattebetaling mv. fordelt på lande. Over tid viser de to undersøgelser, at de største danske virksomheder er blevet mere informative og sammenlignet med tilsvarende undersøgelser udført af Transparency...

  1. Udbredelsen af den invasive børsteorm, Marenzelleria viridis, langs danske kyster – tegn på økologiske konsekvenser?

    DEFF Research Database (Denmark)

    Banta, Gary Thomas; Christoffersen, Kenn

    ud af de 6 resterende stationer vi undersøgte. Antallet af M. viridis på disse stationer var dog beskeden (... tæthed af M. viridis og en række sediment og abiotiske parametre, hvilket bekræfter artens store tolerance overfor det omskiftelige brakvands miljø og sediment karakteristika, der kendetegner de danske kyster. Disse abiotiske parametre understøtter dog forekomsten af lige netop M. viridis frem for de...... andre søskendearter, da sidstnævnte fortrækker enten lavere salinitet eller lavere temperatur end typisk for de danske kyster. Der blev observerede nogle svage negative sammenhæng mellem Marenzelleria viridis og de naturligt forekommende arter, såsom Hediste (Nereis) diversicolor, Corophium spp. og...

  2. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....

  3. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  4. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  5. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

    Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

  6. Mitigation Banking Factsheet

    Science.gov (United States)

    A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404

  7. At designe danskhed: Forestillinger om nationen på danske pengesedler

    Directory of Open Access Journals (Sweden)

    Anders Ravn Sørensen

    2013-05-01

    Full Text Available To design Danishness: performances of the nation on Danish banknotes   In this article, I analyse four different banknote-design competitions that were hosted by Denmark’s National Bank (Nationalbanken between 1908 and 2007. The proposals for new banknotes have evoked different narratives about the national community, and I describe how these proposals were characterised by two opposing trends: one style alluded to a romantic national narrative by using ancient relics, barrows and classical landscapes to highlight a common history of origin; the other included more popular and commonplace motifs, such as foodstuff, industry and leisure activities. Historically, Nationalbanken has struggled to balance these different trends while preserving the notes’ legitimacy, and it has endeavoured to make the notes reflect contemporary Danish values. However, as the design processes unfolded over 100 years, the bank’s governors seemed to reconsider such ideas and, despite being given different suggestions, they have always chosen the most conservative iconography. I suggest that decision-makers within the bank have been reluctant to innovate banknote designs and make the notes reflect contemporary values, out of fear that such motives might jeopardise the trustworthiness of Danish paper currency. In maintaining this attitude, Nationalbanken has ultimately reinforced a romanticist narrative about the Danish nation.

  8. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

    This paper examines competition between bank regulators in open economies. We use a model where credit demand of firms is endogenous and show any tendency for downward competition in regulation policy is limited by the effect of regulation on profits of nonfinancial firms. Moreover, perfect mobility on loans and deposit markets fully eliminates the incentives of regulators to set bank regulation at ine±cient low levels.

  9. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

    The focus of the paper is to analyze how the concept behind central bank policy developed over time and how the recent financial crisis and its consequences will have an influence. While the principles of the institutional arrangement for central banks (independence, clear mandate, prohibition of monetary financing) are relevant as ever, pre- crisis consensus strategies of monetary policy have been revealed as flawed. The close monitoring of money and credit developments, a key lesson to be d...

  10. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

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

  11. 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.

  12. 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.

  13. 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

  14. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

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

  15. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  16. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

    Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

  17. 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.

  18. Humor i dansk tv-reklame. Et middel på tværs af livsstil?

    Directory of Open Access Journals (Sweden)

    Jørgen Stigel

    2008-09-01

    Full Text Available Udgangspunktet for denne artikel er, at humor spiller en relativt dominerende rolle i dansk tv-reklame, og at der dermed er tale om en stilart, som i høj grad søger at vinde tilslutning og sympati igennem en inkluderende henvendelsesmodus. Man kunne fristes til at antage, at dette skulle hænge sammen med en særlig dansk mentalitet, og at humor er mere eller mindre uomgængelig, hvis man vil have danske forbrugere i tale. Dette forhold kontrasteres med den tænkning i livsstile, som er blevet dominerende, dvs. en tænkning, der grundlæggende søger at udskille bestemte forbrugertyper eller -grupper og altså grundlæggende skiller eller ekskluderer i segmenter, målgrupper og værdifællesskaber og dermed i princippet også dikterer en udformning af kommunikationen, der sætter skel. Artiklens pointe er, at humor i flere henseender kan være en pragmatisk måde at omgå en række af de problemer, som såvel tænkning i livsstilssegmenter som i unikke mærkevarer sætter vis-a-vis et forholdsvist lille markedsområde, hvor kontakt via tv-reklame kan være relativt dyr. Og at humor bl.a. kan gøre det i kraft af, at dens særlige tvetydige modus forrykker kommunikationens realitetsreference til et andet plan og/eller til andre mere eller mindre groteske og derealiserede universer og figurer/figurkonstellationer. Det markeret forrykte kan dermed udgøre et fælles ’neutralt’ felt, som uanset skillelinjer i livsstile mv. kan appellere bredt og fungere inkluderende. Humour in Danish TV advertising. A means of transcending lifestyle barriers? The point of departure for the article is the fact that approximately 40% of Danish TV advertising in the 1990s had some humorous content and that fictional formats such as drama (and comedy play an increasing role (cf. Stigel 2006 and 2001. Both small scale and large scale humour play a great role in Danish TV-ads and you might presume that this is due to some kind of special Danish mentality that one

  19. Humor i dansk tv-reklame. Et middel på tværs af livsstil?

    Directory of Open Access Journals (Sweden)

    Jørgen Stigel

    2008-12-01

    Full Text Available Udgangspunktet for denne artikel er, at humor spiller en relativt dominerende rolle i dansk tv-reklame, og at der dermed er tale om en stilart, som i høj grad søger at vinde tilslutning og sympati igennem en inkluderende henvendelsesmodus. Man kunne fristes til at antage, at dette skulle hænge sammen med en særlig dansk mentalitet, og at humor er mere eller mindre uomgængelig, hvis man vil have danske forbrugere i tale. Dette forhold kontrasteres med den tænkning i livsstile, som er blevet dominerende, dvs. en tænkning, der grundlæggende søger at udskille bestemte forbrugertyper eller -grupper og altså grundlæggende skiller eller ekskluderer i segmenter, målgrupper og værdifællesskaber og dermed i princippet også dikterer en udformning af kommunikationen, der sætter skel. Artiklens pointe er, at humor i flere henseender kan være en pragmatisk måde at omgå en række af de problemer, som såvel tænkning i livsstilssegmenter som i unikke mærkevarer sætter vis-a-vis et forholdsvist lille markedsområde, hvor kontakt via tv-reklame kan være relativt dyr. Og at humor bl.a. kan gøre det i kraft af, at dens særlige tvetydige modus forrykker kommunikationens realitetsreference til et andet plan og/eller til andre mere eller mindre groteske og derealiserede universer og figurer/figurkonstellationer. Det markeret forrykte kan dermed udgøre et fælles ’neutralt’ felt, som uanset skillelinjer i livsstile mv. kan appellere bredt og fungere inkluderende. Humour in Danish TV advertising. A means of transcending lifestyle barriers? The point of departure for the article is the fact that approximately 40% of Danish TV advertising in the 1990s had some humorous content and that fictional formats such as drama (and comedy play an increasing role (cf. Stigel 2006 and 2001. Both small scale and large scale humour play a great role in Danish TV-ads and you might presume that this is due to some kind of special Danish mentality that one

  20. 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.

  1. 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.

  2. 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...

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

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  4. 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.

  5. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

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

  6. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

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

  7. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  8. 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...

  9. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  10. 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...

  11. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  12. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  13. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

    The Islamic Development Bank (IDB) was opened formally in October 1975 to foster the economic development and social progress of its member countries and Moslem communities individually as well as jointly in accordance with the priniciples of Islamic law. Its functions include participation in equity capital, granting loans for projects and enterprises, extending training facilities, and promoting foreign trade, especially in capital goods, among the member countries. The 34-member Bank is capitalized at 2 billion Islamic Dinars and located in Jeddah, Saudi Arabia.

  14. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

    The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

  15. 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...

  16. 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.

  17. 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.

  18. 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.

  19. 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 ...

  20. 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

  1. 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 ...

  2. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  3. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

    Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

  4. American Association of Tissue Banks

    Science.gov (United States)

    ... Committees Accreditation American Board of Tissue Banking Bylaws / Ethics Communications Donor Family Services Ad Hoc Committee Education Finance ... Bureau Accredited Bank Search Bookstore Bulletins Global Topics Communications & Media Job Center News Releases Patients and Community Useful ...

  5. 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...

  6. Human milk banking.

    Science.gov (United States)

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

    2013-01-01

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

  7. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  8. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  9. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  10. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

    This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

  11. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  12. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

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

  13. The efficiency of bank branches

    OpenAIRE

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

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

  14. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks? branches is also a relevant issue as any significant improvement in cash management at the bank ...

  15. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

    We analyze the desirability of fair pricing of government guarantees for bank liabilities. Fair pricing is desirable only if the banking sector is sufficiently transparent. In opaque banking systems, fair pricing may exacerbate banks' incentive to take excessive risks.

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  4. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The

  5. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  6. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  7. 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...

  8. 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.

  9. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

    ... RESOLUTION FUNDING CORPORATION § 996.2 Bank employees. Upon the request of the Directorate of the Resolution..., employees, or agents of the Banks are authorized to act for and on behalf of the Resolution Funding... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank employees. 996.2 Section 996.2 Banks and...

  10. 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

  11. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  12. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

    In a theoretical model of the Diamond-Dybvig style, in which deposit-taking banks and financial markets coexist, bank behavior is analyzed taking into account a positive ex-ante probability of a future financial crisis. We focus on the role of the interaction of market liquidity and banks' funding liquidity in the propagation of shocks in the financial system. Our findings suggest that in particular bank-dominated financial systems are prone to contagious bank runs due to asset price deterior...

  13. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  14. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  15. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  16. The European Central Bank

    OpenAIRE

    Binder, Michael; Wieland, Volker

    2006-01-01

    The establishment of the ECB and with it the launch of the euro has arguably been a unique endeavor in economic history, representing an important experiment in central banking. This note aims to summarize some of the main lessons learned from this experiment and sketch some of the prospects for the ECB. It is written for "The New Palgrave Dictionary of Economics", 2nd edition. JEL Classification: E52, E58

  17. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  18. MULTIPERIOD BANKING SUPERVISION

    OpenAIRE

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

    This paper is based on a general method for multiperiod prudential supervision of companies submitted to hedgeable and non-hedgeable risks. Having treated the case of insurance in an earlier paper, we now consider a quantitative approach to supervision of commercial banks. The various elements under supervision are the bank’s current amount of tradeable assets, the deposit amount, and four flow processes: future trading risk exposures, deposit flows, flows of loan repayments and of deposit re...

  19. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  20. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  1. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  2. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  4. 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.

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

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  6. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  7. 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.

  8. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

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

  9. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

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

  10. 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...

  11. 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...

  12. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  13. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

    Sharia bank now has popularity among the people of Indonesia. Sharia bankbased on present Islamic economic principles. Sharia Bank has a big role increaseworld banking in Indonesia. Attentive Indonesia society majority is Moslem, soSharia Banking in the future has good prospect with increase knowledge aboutawareness to use banking produc and information with experience society aboutbenefit sharia banking. This study aimed to know knowledge and attitude society forsharia banking and to know kn...

  14. 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 ...

  15. 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 ...

  16. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  17. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  18. 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...

  19. 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...

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

    Science.gov (United States)

    2013-01-03

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

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

    Science.gov (United States)

    2012-10-05

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

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

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

  8. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  9. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  10. Bank Share Prices and Profitability

    OpenAIRE

    Daniel Daugaard; Tom Valentine

    1993-01-01

    This paper considers the influence of economic conditions and financial markets on Australian bank share prices and profitability. It uses time series analysis to obtain an indication of the effectiveness of banks in managing their exposure to interest rates and exchange rates. The results give rise to some comments on the extent to which banks actively manage their exposure to financial and economic variables. The discussion of risk management activities necessarily raises the question of ho...

  11. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

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

  12. Big Data and central banks

    OpenAIRE

    David Bholat

    2015-01-01

    This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  13. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  14. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

  15. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

  16. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  17. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

    Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

  18. Image data bank

    International Nuclear Information System (INIS)

    Bacigalupo, J.; Guillen, G.; Gerez, J.

    1998-01-01

    A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

  19. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

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

  20. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

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

  1. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

    Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  2. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

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

  3. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...

  4. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  5. 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...

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

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

  7. 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 ...

  8. 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...

  9. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  10. 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.

  11. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management

  12. Regulating and Combating Underground Banking

    NARCIS (Netherlands)

    Borgers, M.J.

    2009-01-01

    In combating and regulating underground banking, a choice can be made of roughly two models, the risk model and the assimilation model. The risk model comes down to a complete prohibition of underground banking combined with an active investigation and prosecution policy. In the assimilation model,

  13. Size, productivity, and international banking

    NARCIS (Netherlands)

    Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  14. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R.K.; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data

  15. Banking competition, risk and regulation

    NARCIS (Netherlands)

    Bolt, Wilko; Tieman, Alexander F.

    2004-01-01

    In a dynamic framework, commercial banks compete for customers by setting acceptance criteria for granting loans, while taking into account regulatory requirements. By easing its acceptance criteria a bank faces a trade-off between attracting more demand for loans, thus making higher per-period

  16. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’

  17. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

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

    2001-01-01

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

  18. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    Sprott, J.C.; Lovell, T.W.

    1982-06-01

    Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

  19. Bank credit and business financing

    NARCIS (Netherlands)

    Morales Arenas, Diana

    2018-01-01

    This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth

  20. Intervention in systemic banking crises

    NARCIS (Netherlands)

    Homar, T.

    2016-01-01

    Systemic banking crises often continue into recessions with large output losses. Governments and central banks intervene to preserve the key functions of the financial system and to mitigate the adverse impact of financial distress on economic growth. This thesis investigates how effective

  1. Liquidity coinsurance and bank capital

    NARCIS (Netherlands)

    Castiglionesi, F.; Feriozzi, F.; Lóránth, G.; Pelizzon, L.

    Banks can deal with their liquidity risk by holding liquid assets (self-insurance), by participating in interbank markets (coinsurance), or by using flexible financing instruments, such as bank capital (risk sharing). We use a simple model to show that undiversifiable liquidity risk, that is, the

  2. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters

  3. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  4. 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...

  5. Predicting retail banking customers' attitude towards Internet ...

    African Journals Online (AJOL)

    chestt

    at increasing the adoption of Internet banking use among retail banking .... customers to access and perform financial transactions on their bank account from ..... customers barely agree with the statements that measured this construct.

  6. 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...

  7. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

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

  8. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

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

  9. Islamic Banking Capital Challenges to Increase Business Expansion (Indonesia Cases)

    OpenAIRE

    Lucky Nugroho; Wiwik Utami; Caturida Meiwanto Doktorlina; Soeharjoto Soekapdjo; Tengku Chandra Husnadi

    2017-01-01

    In the case of Indonesia regarding capital sources in Islamic Banks, all Islamic Banks are subsidiaries of Conventional Banks (except Bank Muamalat). Bank Syariah Mandiri which is the only Islamic Bank that meets capital ownership with Business Category Bank Level III (BUKU III) is also a subsidiary of Bank Mandiri (conventional bank). In the same way, conventional banks become essential to meet the capital requirement to improve the business of Islamic Bank. This article aims to determine th...

  10. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  11. Credit Risk Management in Chinese Banking Industry

    OpenAIRE

    Zhang, Lei

    2006-01-01

    Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

  12. Penerapan Business Continuity Pada Bank Central Asia

    OpenAIRE

    Chandra, Keefe Darius

    2017-01-01

    Banks are financial institutions that have a major impact on the economic system and can affect people's lives. Hence, regulators concerned in organizing business continuity of the banking industries. PT. Bank Central Asia, Tbk. (BCA) represents businesses in the banking sector that can not escape from the natural and man threats which can interfere the bank's business. This case study presents a glimpse of how the business continuity run in BCA. Moreover, business continuity in banking can n...

  13. Growth of Non-bank Trade Finance

    OpenAIRE

    Satinder Bhatia

    2017-01-01

    The rise of non-bank trade finance has been especially noticeable in the last decade. Many commodity and e-commerce companies are rapidly entering this arena as sovereign guarantees and collaterals take a backseat making it harder for banks to apply traditional models while lending to businesses. Non-banks which are more nimble occupy space vacated by banks. Increasingly, though, banks have begun to collaborate with non-banks, particularly fintech companies for rapid processi...

  14. [The National Serum Bank].

    Science.gov (United States)

    Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R

    1992-01-01

    A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.

  15. Security of Electronic Banking

    OpenAIRE

    Pařil, Jan

    2015-01-01

    Hlavním zaměřením diplomové práce je elektronické bankovnictví a jeho bezpečnost. Práce obsahuje zhodnocení současného stavu zabezpečení elektronického bankovnictví, možné hrozby napadení elektronického bankovnictví a rizika prolomení zabezpečení. Další část vyhodnocuje dotazník, který zjišťoval spokojenost uživatelů s bezpečností elektronického bankovnictví. Jsou doporučeny nové formy zabezpečení. The main focus of the thesis is an electronic banking and security. The work includes evalua...

  16. 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.

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

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

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

  18. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

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

  19. Organizational Support for Workers' Recuperation in Nigerian Banks ...

    African Journals Online (AJOL)

    This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...

  20. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...

  1. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

  2. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  3. Magt & meninger: Pædagogiske værdiprofiler blandt personalet i danske børnehaver

    Directory of Open Access Journals (Sweden)

    Bent Olsen

    2015-03-01

    Full Text Available The article presents a research work on possible correlations between childhood background and educational values in a group of 700 employees in 80 Danish kindergartens. If the staff's pedagogical work is indebted to the living environment, the individual has grown up in; it can give this work the character of resilience or inertia and stability. This inertia, however, can come into conflict with the instrumental requirements on adaptability to external demands of change, transition and educational development programs.Using the so-called multiple correspondence analysis one obtains first a map of social background of respondents and their professional and cultural resources with the use of indicators of cultural and social capital in the wake of Pierre Bourdieu's theoretical framework. By the next step a new second map is being drawn based on the answers to a number of value questions. And finally one gets the relationship between social structure and educational values by comparing the two maps.The results show that respondents typically agree on the pedagogical values across social background, age and position in the professional job hierarchy. But the project also shows that there are correlations between the possession of social and cultural capital and what is being appreciated in the pedagogical work. Artiklen præsenterer et forskningsarbejde om mulige sammenhænge mellem opvækstbaggrund og pædagogiske værdier i en gruppe på 700 ansatte i 80 danske børnehaver. Hvis personalets pædagogiske arbejde står i gæld til de levemiljøer, man er vokset op i, kan det give dette arbejde karakter af stabilitet. Projektet undersøger, hvordan disse livslange forudsætninger krystalliseres i mødet med det børnehavepædagogiske arbejdsfelt: afsætter forskelle i opvækst- og leveerfaringer tilsvarende mønsterforskelle i de pædagogiske værdiorienteringer?  Med den såkaldte multible korrespondanceanalyse er det muligt at få sammenh

  4. Metabolomics kan potentielt forbedre lægemiddelterapien

    DEFF Research Database (Denmark)

    Stage, Claus; Jürgens, Gesche; Dalhoff, Kim Peder

    2014-01-01

    Until now drug therapy has primarily been controlled by dose titration on the basis of effects and side effects. However, a lot of people being treated with a drug experience too little effect or too many side effects. Therefore it will be advantageous to improve drug therapy and make it even more...

  5. Forbedring og fornyelse af FN’s fredsarbejde

    DEFF Research Database (Denmark)

    Engell, Troels Gauslå; Jacobsen, Katja Lindskov

    in Danish security policy, it is crucial that the organization retains its relevance for solving security challenges. It is therefore important for Denmark that the Secretary-General, along with as many UN member states as possible, will succeed in implementing reforms in a way that will strengthen the UN....... The present report provides an overview of the suggested reforms and the analytical reports that underpin them. The reforms aim to strengthen the military side and revitalize the diplomatic aspects of peace operations. In short, there are a number of political and practical challenges for the UN’s peace...... operation reforms, that there is a risk of contradiction between them. The report will shed light on the fact that unintended consequences will occasionally be the result when the UN attempts to put several themes first at the same time. Finally, the report sets out a number of recommendations for how...

  6. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

    Full Text Available As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sample includes significant part of Czech and Slovak banking sector (not only by the number of banks, but also by their share on total banking assets. We have calculated five different liquidity ratios for each bank in the sample. The results showed that liquidity of Czech banks has declined during last ten years. On the contrary, liquidity of Slovak banks fluctuated only slightly during the period 2001–2008. Bank liquidity has fallen due to the financial crisis in both countries; the impact is worse for Slovak banks. Both Czech and Slovak banks have become less liquid also as a result of increase in lending activity. Czech and Slovak banks have the same strategies how to insure against liquidity crises: big banks rely on the interbank market or on a liquidity assistance of the Lender of Last Resort, small and medium sized banks hold buffer of liquid assets.

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

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

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

  8. 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...

  9. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

    the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss......During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...

  10. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...... in the required return, the interest rate premium paid for leniency isincreased in recession at a given level of required capital....

  11. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

    We consider a two-period model of a banking system to explore the effects of competition on the stability and efficiency of economic activity. In the model, competing banks lend to entrepreneurs. After entrepreneurs receive the loans for their projects, there is a probability of a shock. The shock implies that a fraction of firms will default and be unable to pay back their loans. This will require banks to use their capital and reserves to pay back depositors, restricting restrict second per...

  12. Big Data and central banks

    Directory of Open Access Journals (Sweden)

    David Bholat

    2015-04-01

    Full Text Available This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  13. Kanon i dansk 9

    DEFF Research Database (Denmark)

    Gyldendals læsebog i kanonlitteratur for 9. klasse. Med sagaer, folkeviser, Højsangen samt tekster af Miguel de Cervantes, Leonora Christina, Thomas Kingo, Ludvig Holberg, Adam Oehlenschläger, N.F.S. Grundtvig, St.St. Blicher, H.C. Andersen, Søren Kierkegaard, Fjodor Dostojevskij, J.P. Jacobsen...

  14. Brudstrukturer i dansk

    DEFF Research Database (Denmark)

    Thrane, Torben

    2001-01-01

    Investigation of a peripheral construction type in Danish (expressions introduced by 'sikke'), and a proposal for a uniform analysis.......Investigation of a peripheral construction type in Danish (expressions introduced by 'sikke'), and a proposal for a uniform analysis....

  15. Den danske konsumfiskebranche: Forskningsbehov

    DEFF Research Database (Denmark)

    Skouboe, Pernille; Rossen, Lone; Plichta, Kirsten

    Institut er ansvarlige for teknologibeskrivelsen og for idekataloget til nye forskningsopgaver. Definition og afgrænsning af konsumfiskebranchen Inden for elementær økonomisk teori antages det, at aktiviteter kan klassificeres ved at gruppere virksomheder, som producerer de samme produkter i en branche...

  16. Dilemma med danske julefrokoster

    DEFF Research Database (Denmark)

    Lanng, Amalie Rasmussen; Gasbjerg, Lærke Smidt; Knop, Filip Krag

    2017-01-01

    We investigated the impact of food ingestion, water intake, sleep and exercise on the elimination of ethanol, and self-assessed ability to drive a car. In a cross-over design, four fasted healthy participants each underwent one day of oral ethanol intake followed by one of the abovementioned...... interventions and one day of oral ethanol intake followed by bed rest (control day). The elimination rate of ethanol was minimally affected (numerically it was increased by food ingestion and water intake, reduced by exercise and unchanged by sleep) and self-assessed driving abilities were associated with great...

  17. Realismen i dansk film

    DEFF Research Database (Denmark)

    Langkjær, Birger

    Realisme som begreb og filmpraksis (Hvad er realisme? Forestillinger om realisme og realismen i praksis; Realismens niveauer og elementer; Realismen som filmpraksis: mellem genrefilm og artfilm); Skæbne og tilfældighed...

  18. Kompetencer i dansk erhvervsliv

    DEFF Research Database (Denmark)

    Harmsen, Hanne

    2003-01-01

    er bredt og i sine forskellige sammenhænge giver udtryk for den fokus, der i øjeblikket er på medarbejdernes ressourcer eller virksomhedens viden. Og så er det endnu et nyt begreb i en management-verden som med mindre og mindre mellemrum tager nye ledelsesbegreber til sig, som indimellem nærmest får...

  19. Holmes i danske tegneserier

    DEFF Research Database (Denmark)

    Lauridsen, Palle Schantz

    2017-01-01

    En mediehistorisk og -analytisk undersøgelse af fremstillingen af Sherlock Holmes-karakteren og -universet i tegneserier udgivet i Danmark. Del 1 omhandler en upåagtet række søndagsstriber, Storm P. tegnede for Ekstrabladet i 1910-11. De hører til blandt Danmarks allerførste tegneserier...

  20. Interpersonel farvning i dansk

    Directory of Open Access Journals (Sweden)

    Thomas Hestbæk Andersen

    2005-05-01

    Full Text Available On a systemic functional background this paper presents two central interpersonal resources in Danish, namely the concept of speech function and the concept of modality. Thus, the paper presents linguistic ways to negotiate meaning and to express attitude. The negotiation of meaning and the expression of attitude can be dealt with in both a typical way and a non-typical way. The typical way constitutes the congruent and non-metaphorical mode while the latter constitutes the incongruent mode and thereby the lexicogrammatical metaphor. The paper examines both nonmetaphorical and metaphorical ways of negotiating meaning and expressing attitude.

  1. Et dansk hotell

    DEFF Research Database (Denmark)

    Baca, Susan; Busck, Ole Gunni

    Rapporten præsenterer resultatet af en undersøgelse af, hvorledes et hotel i Nordjylland fungerer som arbejdsplads for indvandrere af overvejende ikke-vestlig oprindelse. Der fokuseres på i hvilket omfang og gennem hvilke mekanismer arbejdsmiljjøet i bred forstand, herunder forhold i ledelsen...

  2. Radon i danske lejeboliger

    DEFF Research Database (Denmark)

    Rasmussen, Torben Valdbjørn; Skytte Clausen, Louise

    I denne undersøgelse kortlægges radonindholdet i indeluften og det undersøges, hvordan indholdet af radon i indeluften er fordelt og spredes i en ejendom, og om det er muligt at pege på en bygningsdel eller en bygningskomponent som en spredningsvej for radon i boliger. Boligerne er lejeboliger og...... ligger i etageejendomme, kæde- og rækkehuse tilhørende bygningstyper opført fra 1850 og frem. De udvalgte ejendomme ligger i områder af landet, hvor der ved tidligere undersøgelser har vist sig at være en stor andel af huse med et højt indhold af radon i indeluften. Koncentrationen af radon er målt over...

  3. Dansk kolorektal Cancer Database

    DEFF Research Database (Denmark)

    Harling, Henrik; Nickelsen, Thomas

    2005-01-01

    The Danish Colorectal Cancer Database was established in 1994 with the purpose of monitoring whether diagnostic and surgical principles specified in the evidence-based national guidelines of good clinical practice were followed. Twelve clinical indicators have been listed by the Danish Colorectal...... Cancer Group, and the performance of each hospital surgical department with respect to these indicators is reported annually. In addition, the register contains a large collection of data that provide valuable information on the influence of comorbidity and lifestyle factors on disease outcome...

  4. Den danske regionskonstruktion

    DEFF Research Database (Denmark)

    Klausen, Kurt Klaudi; Christoffersen, Henrik

    Region Midtjylland er i centrum for analysen men den omfatter også regionsdannelsen i almindelighed. Der anlægges i analysen på samme tid et politologisk, organisationsteoretisk og økonomisk resonnement. Regionsdannelsen finder sted på baggrund af de setup Strukturreformen har sat, men udfoldes p...

  5. The capital structure of banks and practice of bank restructuring

    OpenAIRE

    Dübel, Achim

    2013-01-01

    This study presents an empirical analysis of capital and liability management in eight cases of bank restructurings and resolutions from eight different European countries. It can be read as a companion piece to an earlier study by the author covering the specific bank restructuring programs of Greece, Spain and Cyprus during 2012/13. The study portrays for each case the timelines between the initial credit event and the (last) restructuring. It proceeds to discuss the capital and liability m...

  6. Banking Crises and Bank Resolution; Experiences in Some Transition Economies

    OpenAIRE

    International Monetary Fund

    2002-01-01

    Like most transition economies, Bulgaria, Lithuania, and Mongolia suffered severe banking crises, which had to be resolved before growth could resume. The macroeconomic and institutional failings that led to these crises are described, and parallels are drawn with the causes of banking crises in industrial and developing countries. Resolving the crises proved technically and politically difficult, and setbacks occurred. Successful resolution required the implementation of a comprehensive and ...

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

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

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

  8. An Experiment on the Causes of Bank Run Contagions

    OpenAIRE

    Surajeet Chakravarty; Miguel A. Fonseca; Todd Kaplan

    2012-01-01

    To understand the mechanisms behind bank run contagions, we conduct bank run experiments in a modified Diamond-Dybvig setup with two banks (Left and Right). The banks' liquidity levels are either linked or independent. Left Bank depositors see their bank's liquidity level before deciding. Right Bank depositors only see Left Bank withdrawals before deciding. We find that Left Bank depositors' actions signicantly affect Right Bank depositors' behavior, even when liquidities are independent. Fur...

  9. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

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

  10. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    California Natural Resource Agency — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...

  11. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

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

  12. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...

  13. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — Comprehensive, peer-reviewed toxicology data for about 5,000 chemicals. The data bank focuses on the toxicology of potentially hazardous chemicals. It is enhanced...

  14. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

    The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and

  15. NIH NeuroBioBank

    Data.gov (United States)

    Federal Laboratory Consortium — The NIH NeuroBioBank (NBB), supported by the National Institute of Mental Health, the National Institute of Neurological Disorders and Stroke, and the Eunice Kennedy...

  16. 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 ...

  17. Bank governance, regulation, and risk taking

    NARCIS (Netherlands)

    Laeven, L.; Levine, R.

    2009-01-01

    This paper conducts the first empirical assessment of theories concerning risk taking by banks, their ownership structures, and national bank regulations. We focus on conflicts between bank managers and owners over risk, and we show that bank risk taking varies positively with the comparative power

  18. Size and support ratings of US banks

    NARCIS (Netherlands)

    Poghosyan, Tigran; Werger, Charlotte; de Haan, Jakob

    We examine whether Fitch support ratings of US banks depend on bank size. Using quarterly data for the period 2004:Q4 to 2012:Q4 and controlling for several factors that make large and small banks different, we find that bank size is positively related to support ratings. However, the effect is

  19. International taxation and cross-border banking

    NARCIS (Netherlands)

    Huizinga, H.P.; Voget, J.; Wagner, W.B.

    This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998�2008 period. International double taxation of foreign-source bank income is found to reduce banking-sector FDI.

  20. Data banks for recreation supply and participation

    Science.gov (United States)

    E. M. Avedon; S. L. J. Smith

    1980-01-01

    Data archives and data banks have become increasingly important as more researchers begin to examine trends. Characteristics of data banks, sources of bias in secondary data sources and important trends in data banks are described. The paper concludes with advice about using data banks.