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Sample records for georges bank areas

  1. Submission to the Georges Bank Review Panel

    Energy Technology Data Exchange (ETDEWEB)

    Rankin, E.; Butler, M.; Church, T.

    1999-01-01

    The Georges Bank, off southwestern Nova Scotia, is one of the most biologically productive continental shelf ecosystems in the world. It supports a wide diversity of species, including many seabirds. In 1988, federal and provincial legislation placed a moratorium on petroleum exploration and drilling on the Georges Bank, directing the ministers of Natural Resources Canada, and of the Nova Scotia Department of Natural Resources to make a decision regarding the moratorium by January 1, 2000. This report by the Ecology Action Centre (EAC) asks the Georges Bank Review Panel to recommend extending the moratorium on Georges Bank and adjacent areas until 2012, in part to match the American moratorium. Other reasons why the panel made this recommendation were explored. The principal reason is the EAC concern that when the moratorium is lifted, several oil and gas developments will proceed in this ecologically significant offshore area that could result in the loss of the ecological integrity of Georges Bank. The EAC contends that before oil and gas development in the region could begin, the following issues would have to be resolved: (1) disposal of drill muds and cuttings, (2) volume and disposal of produced water, (3) effects of small and large spills, (4) impact of seismic activities on whales and turtles, and (5) carbon dioxide emission through venting and flaring. Also, the EAC does not believe that developing Georges Bank will create as many jobs in the affected communities as some people suggest. Lifting the moratorium by Canada would also frustrate American environmental goals, as well as compromise Canada`s position in international environmental partnerships such as the Gulf of Maine Council. 19 refs., tabs., figs.

  2. Submission to the Georges Bank Review Panel

    International Nuclear Information System (INIS)

    Rankin, E.; Butler, M.; Church, T.

    1999-01-01

    The Georges Bank, off southwestern Nova Scotia, is one of the most biologically productive continental shelf ecosystems in the world. It supports a wide diversity of species, including many seabirds. In 1988, federal and provincial legislation placed a moratorium on petroleum exploration and drilling on the Georges Bank, directing the ministers of Natural Resources Canada, and of the Nova Scotia Department of Natural Resources to make a decision regarding the moratorium by January 1, 2000. This report by the Ecology Action Centre (EAC) asks the Georges Bank Review Panel to recommend extending the moratorium on Georges Bank and adjacent areas until 2012, in part to match the American moratorium. Other reasons why the panel made this recommendation were explored. The principal reason is the EAC concern that when the moratorium is lifted, several oil and gas developments will proceed in this ecologically significant offshore area that could result in the loss of the ecological integrity of Georges Bank. The EAC contends that before oil and gas development in the region could begin, the following issues would have to be resolved: (1) disposal of drill muds and cuttings, (2) volume and disposal of produced water, (3) effects of small and large spills, (4) impact of seismic activities on whales and turtles, and (5) carbon dioxide emission through venting and flaring. Also, the EAC does not believe that developing Georges Bank will create as many jobs in the affected communities as some people suggest. Lifting the moratorium by Canada would also frustrate American environmental goals, as well as compromise Canada's position in international environmental partnerships such as the Gulf of Maine Council. 19 refs., tabs., figs

  3. Georges Bank: a leaky incubator of Alexandrium fundyense blooms.

    Science.gov (United States)

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

    2014-05-01

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

  4. Adequacy of environmental information for outer continental shelf oil and gas decisions: Georges Bank. Final report

    International Nuclear Information System (INIS)

    1991-01-01

    Georges Bank, a large, shallow marine bank with important fishery resources and possibly important oil and gas resources, lies east of Massachusetts in the territorial waters of both the United States and Canada. The Department of the Interior has planned since 1974 to lease parts of the north Atlantic outer continental shelf (OCS)--including part of Georges Bank--for oil and gas exploration. As a result of public concern about the environmental impacts of oil and gas production on the U.S. OCS, Congress declared a moratorium on drilling on Georges Bank and an area to the southwest. The report--by the NRC's Committee to Review the Outer Continental Shelf Environmental Studies Program and its panels on physical oceanography, ecology, and socioeconomics--reviews the adequacy of information bearing on the potential environmental impacts of OCS oil and gas activities for the Georges Bank sale area

  5. Geologic and operational summary, COST No. 1 well, Georges Bank area, North Atlantic OCS

    Science.gov (United States)

    Amato, Roger V.; Bebout, John W.

    1980-01-01

    The first Continental Offshore Stratigraphic Test (COST) well on the U.S. North Atlantic Outer Continental Shelf (OCS) was drilled by Ocean Production Company between April 6 and July 26, 1976, and designated the COST No. G-l. Geological and engineering data obtained from this deep well in the Georges Bank Basin were used by the 31 participating companies and the U.S. Geological Survey (USGS) for evaluating the petroleum potential and possible drilling problems in the U.S. North Atlantic OCS area in preparation for Lease Sale 42 held on December 18, 1979.

  6. The 1995 Georges Bank Stratification Study and Moored Array Measurements

    National Research Council Canada - National Science Library

    Alessi, C

    2001-01-01

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

  7. U.S. GLOBEC Georges Bank Long-Term Moored Program. Part 1. Mooring Configuration

    National Research Council Canada - National Science Library

    Irish, J. D; Kerry, S; Fucile, P; Beardsley, R. C; Lord, J; Brink, K. H

    2005-01-01

    As part of the U.S. GLOBEC Northwest Atlantic/Georges Bank program, moorings were deployed on Georges Bank as part of the broad-scale survey component to help measure the temporal variability of both physical...

  8. Surface and Bottom Boundar Layer Dynamics on a Shallow Submarine Bank: Southern Flank of Georges Bank

    National Research Council Canada - National Science Library

    Werner, Sandra

    1999-01-01

    The thesis investigates the circulation at a 75-meter deep study site on the southern flank of Georges Bank, a shallow submarine bank located between the deeper Gulf of Maine and the continental slope...

  9. Large submarine sand waves and gravel lag substrates on Georges Bank off Atlantic Canada

    Science.gov (United States)

    Todd, B.J.; Valentine, Page C.; Harris, Peter T; Baker, E.K.

    2012-01-01

    Georges Bank is a large, shallow, continental shelf feature offshore of New England and Atlantic Canada. The bank is mantled with a veneer of glacial debris transported during the late Pleistocene from continental areas lying to the north. These sediments were reworked by marine processes during postglacial sea-level transgression and continue to be modified by the modern oceanic regime. The surficial geology of the Canadian portion of the bank is a widespread gravel lag overlain in places by well sorted sand occurring as bedforms. The most widespread bedforms are large, mobile, asymmetrical sand waves up to 19 m in height formed through sediment transport by strong tidal-driven and possibly storm-driven currents. Well-defined curvilinear bedform crests up to 15 km long form a complex bifurcating pattern having an overall southwest–northeast strike, which is normal to the direction of the major axis of the semidiurnal tidal current ellipse. Minor fields of immobile, symmetrical sand waves are situated in bathymetric lows. Rare mobile, asymmetrical barchan dunes are lying on the gravel lag in areas of low sand supply. On Georges Bank, the management of resources and habitats requires an understanding of the distribution of substrate types, their surface dynamics and susceptibility to movement, and their associated fauna.

  10. Georges Bank drilling moratorium gets extended until 2015

    Energy Technology Data Exchange (ETDEWEB)

    Anon.

    2010-07-15

    A moratorium on oil and gas exploration and drilling on the Georges Bank will continue until the end of 2015. Governments require a full public review and research concerning the potential environmental impacts of the project before lifting the moratorium. Canada's federal and provincial governments have agreed to gather information related to the region's fragile ecosystem, and investigate the potential impacts that petroleum-related activities may have in the area. Preliminary reviews are being conducted to study the socio-economic impacts of offshore petroleum activities and to assess new technologies and drilling practices that may be used to reduce the impacts of oil and gas operations. 1 fig.

  11. Georges Bank review studies list

    International Nuclear Information System (INIS)

    1999-01-01

    Federal and provincial legislation placed a moratorium on petroleum exploration and drilling on Georges Bank off southwestern Nova Scotia in 1988. Since that time, a public review was conducted to determine the environmental and socio-economic impacts of petroleum exploration on the area. Several consultant groups have been involved and prepared reports for the consideration of the Minister of Natural Resources Canada and the Minister for the Nova Scotia Department of Natural Resources. One of the consultant groups, CEF Consultants Ltd. of Halifax, Nova Scotia conducted a study which resulted in a series of papers on energy and the offshore, dealing with : (1) hydrocarbon resources, (2) exploring for offshore oil and gas, (3) offshore production, storage and transportation, (4) offshore regulation, (5) the energy context, (6) (study not available), (7) the global environmental implications of new hydrocarbon developments, and (8) communities and change. Other studies were conducted by other groups of consultants involving winds, larvae, ecosystems, an economic profile, and a historical overview of offshore and and gas development. The Ministers of Natural Resources Canada and Nova Scotia Department of Natural Resources are required to make a decision regarding the public review and moratorium by January 1, 2000

  12. Geologic and operational summary, COST No. G-2 well, Georges Bank area, North Atlantic OCS

    Science.gov (United States)

    Amato, Roger V.; Simonis, Edvardas K.

    1980-01-01

    The Continental Offshore Stratigraphic Test (COST) No. G-2 well is the second deep well to be drilled in the Georges Bank Basin and the third in a series of COST wells on the Atlantic Outer Continental Shelf (OCS). The G-2 was drilled by Ocean Production Company, acting as the operator for 19 participating companies between January 6 and August 30, 1977. The semisubmersible rig Ocean Victory was used to drill the well to a depth of 21,874 feet at a location 132 statute miles east-southeast of Nantucket Island in 272 feet of water. An earlier deep Stratigraphic test, the COST No. G-l well, was drilled 42 statute miles west of the G-2 well, to a depth of 16,071 feet in 1976 (fig. 1). Geological and engineering data obtained from the well were used by companies and the U.S. Geological Survey (USGS) for evaluating the petroleum potential and possible drilling problems in the U.S. North Atlantic OCS area in preparation for lease sale 42 held on December 18, 1979. The Stratigraphic test was intentionally drilled away from any potential petroleum-bearing feature, but in a block bordering several tracts that were included in the sale area.

  13. A shell-derived time history of bomb 14C on Georges Bank and its Labrador Sea implications

    International Nuclear Information System (INIS)

    Weidman, C.R.; Jones, G.A.

    1993-01-01

    Bomb-produced radiocarbon has been used in the past as an important tracer of ocean circulation and as a valuable tool for calculating CO 2 air-sea exchange. However, previous studies of the ocean's time-varying bomb 14 C record have been confined exclusively to analyzing banded corals, and thus their application has been limited to the lower latitudes. The first time history of bomb 14 C from the high-latitude North Atlantic Ocean is obtained from a 54-year-old mollusc specimen, (Bivalvia) Arctica islandica, which was collected live from Georges Bank (41 degrees N) in 1990. The annual growth bands of its shell were analyzed for Δ 14 C using accelerator mass spectrometry, producing a Δ 14 C time history from 1939 to 1990. The depleted condition of the Georges Bank bomb 14 C signal relative to two coral-derived North Atlantic Δ 14 C time histories suggests a significant deepwater source for the waters on Georges Bank. Supported by previous work linking the origin of waters on Georges Bank to the Labrador Sea, the Δ 14 C budget on Georges Bank is modeled as Labrador Sea water, which largely becomes confined to the shelf and partially equilibrates with the atmosphere during a 1-year transit time from the Labrador Sea to Georges Bank. This model is also used to estimate a time history of bomb 14 C for the Labrador Sea. Prebomb Δ 14 C values calculated for the surface Labrador Sea suggest that a greater inventory of bomb 14 C has accumulated here than has previously been reported. Deduced variations in the ventilation and/or 14 CO 2 uptake rates in the Labrador Sea correspond with observed changes in surface salinity of the Labrador Sea, suggesting a reduction in deepwater formation during the late 1960s and 1970s. 59 refs., 11 figs., 2 tabs

  14. Surficial geology and shaded seafloor relief of Georges Bank, Fundian Channel and Northeast Channel, Gulf of Maine

    Science.gov (United States)

    Todd, B.J.; Valentine, Page C.

    2015-01-01

    Georges Bank is a shallow submarine bank that lies south of Nova Scotia and east of Cape Cod and bounds the seaward side of the Gulf of Maine. The international boundary between Canada and the United States transects the bank, and the eastern part of the bank (~7500 square kilometres) lies in Canadian territory. This map shows the surficial geology of a part of Georges Bank at a scale of 1:50 000. This map has companion topographic and backscatter strength maps. These companion maps provide a basis for interpreting the origin of seafloor features and the nature of materials that form the seafloor. The maps are based on multibeam-sonar surveys conducted in 1999 and 2000 to map 11,965 square kilometres of the seafloor.

  15. Recolonization of gravel habitats on Georges Bank (northwest Atlantic)

    Science.gov (United States)

    Collie, Jeremy S.; Hermsen, Jerome M.; Valentine, Page C.

    2009-09-01

    Gravel habitats on continental shelves around the world support productive fisheries but are also vulnerable to disturbance from bottom fishing. We conducted a 2-year in situ experiment to measure the rate of colonization of a gravel habitat on northern Georges Bank in an area closed to fishing (Closed Area II) since December 1994. Three large (0.25 m 2) sediment trays containing defaunated pebble gravel were deployed at a study site (47 m water depth) in July 1997 and recovered in June 1999. The undersides of the tray lids positioned 56 cm above the trays served as settlement panels over the same time period. We observed rapid colonization of the gravel substrate (56 species) and the settlement panels (35 species), indicating that colonization of gravel in this region is not limited by the supply of colonists. The species composition of the taxa found in the trays was broadly similar to that we collected over a 10-year period (1994-2004) in dredge samples from gravel sediments at the same site. The increase in abundance of animals in the gravel colonization trays was rapid and reached a level in 2 years that took 4.5 years to achieve in the surrounding gravel sediments once fishing had stopped, based on data from dredge sampling at this site. The increase in biomass of animals found in the sediment trays paralleled the trend of biomass increase observed in dredge samples over the same period (1997-1999) but was lower in value. These data suggest that after rapid initial increase in abundance of organisms, succession proceeded by increasing individual body size. A comparison of settlement panel and tray faunas revealed that the mean biomass of structure-forming epifauna (sponges, bryozoans, anemones, hydroids, colonial tube worms) on the panels was 8 times that found on the trays. Structure-forming taxa constituted 29% of the mean biomass of the panel fauna but only 5.5% of the tray fauna. By contrast, the mean biomass of scavengers (crabs, echinoderms, nudibranchs

  16. Recolonization of gravel habitats on Georges Bank (northwest Atlantic)

    Science.gov (United States)

    Collie, Jeremy S.; Hermsen, Jerome M.; Valentine, Page C.

    2009-01-01

    Gravel habitats on continental shelves around the world support productive fisheries but are also vulnerable to disturbance from bottom fishing. We conducted a 2-year in situ experiment to measure the rate of colonization of a gravel habitat on northern Georges Bank in an area closed to fishing (Closed Area II) since December 1994. Three large (0.25 m2) sediment trays containing defaunated pebble gravel were deployed at a study site (47 m water depth) in July 1997 and recovered in June 1999. The undersides of the tray lids positioned 56 cm above the trays served as settlement panels over the same time period. We observed rapid colonization of the gravel substrate (56 species) and the settlement panels (35 species), indicating that colonization of gravel in this region is not limited by the supply of colonists. The species composition of the taxa found in the trays was broadly similar to that we collected over a 10-year period (1994-2004) in dredge samples from gravel sediments at the same site. The increase in abundance of animals in the gravel colonization trays was rapid and reached a level in 2 years that took 4.5 years to achieve in the surrounding gravel sediments once fishing had stopped, based on data from dredge sampling at this site. The increase in biomass of animals found in the sediment trays paralleled the trend of biomass increase observed in dredge samples over the same period (1997-1999) but was lower in value. These data suggest that after rapid initial increase in abundance of organisms, succession proceeded by increasing individual body size. A comparison of settlement panel and tray faunas revealed that the mean biomass of structure-forming epifauna (sponges, bryozoans, anemones, hydroids, colonial tube worms) on the panels was 8 times that found on the trays. Structure-forming taxa constituted 29% of the mean biomass of the panel fauna but only 5.5% of the tray fauna. By contrast, the mean biomass of scavengers (crabs, echinoderms, nudibranchs

  17. Comment on "Does the fall phytoplankton blooom control recruitment of Georges Bank, haddock, Melanogrammus aeglefinus, through parental condition?"

    DEFF Research Database (Denmark)

    Payne, Mark; Dickey-Collas, Mark; Nash, Richard D.M.

    2009-01-01

    In the paper "Does the fall phytoplankton bloom control recruitment of Georges Bank haddock, Melanogrammus aeglefinus, through parental condition?", Friedland et al. (Can. J. Fish. Aquat. Sci. 65(6): 1076-1086, 2008) examine a sizable number of hypotheses aiming to explain the recruitment patterns...... observed in Georges Bank haddock. The authors focus on a correlation between the size of the autumnal phytoplankton bloom and the survivor ratio (recruitment), concluding this to be the main factor determining recruitment, via the mechanism of adult condition at the time of spawning. Here we examine......, and that in performing the analysis in the chosen manner, Friedland et al. have overlooked alternative hypotheses....

  18. Paralytic shellfish toxins in the sea scallop Placopecten magellanicus on Georges Bank: Implications for an offshore roe-on and whole scallop fishery

    Science.gov (United States)

    DeGrasse, Stacey; Vanegas, Camilo; Conrad, Stephen

    2014-05-01

    To protect public health from the potential risk of paralytic shellfish poisoning (PSP) in sea scallops, Placopecten magellanicus, from the Atlantic offshore U.S. waters of Georges Bank, harvesting of roe-on or whole scallops is banned. Only adductor muscles may be sold if harvested from Georges Bank, Gulf of Maine, or the PSP closure areas as far west as 71° West Longitude. Given the limited toxicity data available for sea scallops from this region both prior to and subsequent to implementation of this management strategy, this study sought a more extensive spatial and temporal evaluation of sea scallop gonad and viscera toxicities that would inform management decisions related to the roe-on and whole scallop fishery. Both overall toxicity and toxin composition were measured for sea scallop gonads and viscera collected from 232 stations in 2007 and 23 in 2010. Overall toxicity was assessed using two screening methods: field-deployable Jellett Rapid Tests (JRT) and quantitative, laboratory-based receptor binding assays (in 2007). Additionally, a quantitative liquid chromatography with fluorescence detection (LC-FD) method was used to determine toxin composition and overall toxicity (in 2010). The at-sea qualitative JRT screening tool results, whereby a positive indicated the sample contained at least 40 μg saxitoxin (STX) equivalents 100 g-1, were often inconsistent with results obtained using the quantitative methods. Sea scallop viscera toxicity represented the majority of toxin load in the organism and was often in excess of the regulatory guidance level. Sea scallop gonads accounted for a small percentage of total toxicity, but at times reached unsafe levels. Toxin composition in both the gonads and viscera was dominated by STX and gonyautoxin 2/3, as has been reported in previous studies. No predictive indices of gonad toxicity were found. Results at this time do not support a roe-on or whole scallop fishery on Georges Bank. While access restrictions to

  19. Patterns and Scales of Variability in the Optical Properties of Georges Bank Waters, with Special Reference to Phytoplankton Biomass and Production

    National Research Council Canada - National Science Library

    Sosik, Heidi

    1999-01-01

    .... This is being achieved through a field effort to make measurements of time series and spatial distributions of both apparent and inherent optical properties in the waters of Georges Bank and the Gulf of Maine...

  20. Convective descent simulations of drilling discharges on Georges and Sable Island banks

    International Nuclear Information System (INIS)

    Andrade, Y.; Loder, J.W.

    1997-01-01

    Factors affecting the fate of drilling mud discharges on Georges and Sable Island Banks were examined. The Koh and Chang jet discharge model was used to simulate the convective descent of a jet discharge of relatively dense materials at sites representing different hydrographic and depth regimes with a range of mud densities, and different discharge configurations, ocean currents and seasonal stratifications. The study revealed the dependence of the depth of descent and properties of the discharge plume on the discharge configuration and oceanographic conditions. The factors that affected the depth of descent were mud density, depth of release, initial downward volume flux of the discharge, current strength and ocean stratification. 22 refs., 3 tabs., 59 figs

  1. Dynamics of late spring and summer phytoplankton communities on Georges Bank, with emphasis on diatoms, Alexandrium spp., and other dinoflagellates

    Science.gov (United States)

    Gettings, Rachel M.; Townsend, David W.; Thomas, Maura A.; Karp-Boss, Lee

    2014-05-01

    We analyzed the distribution, abundance, and succession patterns of major phytoplankton taxa on Georges Bank in relation to hydrography, nutrients, and size-fractionated chlorophyll concentrations (>20 μm; Gymnodinium spp., and Prorocentrum spp., had become more abundant. Patches of regenerated silicate during the June-July period appeared to support a post-spring-bloom diatom community on the central crest of the Bank (total diatom cell densities >180,000 cellsl-1) of Leptocylindrus spp., Dactyliosolen spp., and Guinardia flaccida. Multivariate statistical analyses of phytoplankton taxa and station locations revealed distinct assemblages of diatom and dinoflagellate taxa on the Bank throughout the late spring and summer. Results are interpreted in the ecological context of earlier-reported laboratory culture experiments on the competitive interactions between Alexandrium fundyense and diatoms.

  2. Larval trophodynamics, turbulence, and drift on Georges Bank : A sensitivity analysis of cod and haddock

    DEFF Research Database (Denmark)

    Werner, F.E.; MacKenzie, Brian; Perry, R.I.

    2001-01-01

    Using an individual-based model approach we consider trophodynamic effects on the growth and survival of larval cod (Gadus morhua) and haddock (Melanogrammus aeglefinus) on Georges Bank during late winter/early spring. These studies represent an extension of results described in Werner et al. (1996...... be an important input to larval growth and survival models. The inclusion of turbulence in determining the position of passive larvae in the water column allows the larvae to sample the entire water column, contributing to a decrease in the variance of the size of the larvae over time. The ability of larvae...

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

    Science.gov (United States)

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

    2013-01-01

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

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

    Science.gov (United States)

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

    2013-01-01

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

  5. George and the unbreakable code

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2014-01-01

    George and his best friend Annie haven't had any space adventures for a while and they're missing the excitement. But not for long . . . Seriously strange things start happening. Banks are handing out free money; supermarkets can't charge for their produce so people are getting free food; and aircraft are refusing to fly. It looks like the world's biggest and best computers have all been hacked. George and Annie will travel further into space than ever before in order to find out who is behind it.

  6. Modeling growth of Atlantic cod larvae on the southern flank of Georges Bank in the tidal-front circulation during May 1999

    Science.gov (United States)

    Lough, R. G.; Broughton, E. A.; Buckley, L. J.; Incze, L. S.; Pehrson Edwards, K.; Converse, R.; Aretxabaleta, A.; Werner, F. E.

    2006-11-01

    Cruises were conducted in spring 1999 to describe the interaction between tidal-front processes and the transport, retention, and growth of cod larvae and their prey during the seasonal transition to a stratified water-column along the southern flank of Georges Bank. All the physical and biological observations were integrated in coupled circulation-trophodynamic simulations. The three-dimensional circulation fields were modeled using data assimilation methods described in Aretxabaleta et al. [2005. Data assimilative hindcast on the Southern Flank of Georges Bank during May 1999: frontal circulation and implications. Continental Shelf Research 25, 849-874]. The individual-based model (IBM) of Lough et al. [2005. A general biophysical model of larval cod growth applied to populations on Georges Bank. Fisheries Oceanography 14, 241-262] was used to consider trophodynamic effects on the growth and survival of larval cod. Prey fields were specified for mixed and stratified water columns from field surveys and allowed to adjust in the circulation model. Encounter and ingestion rates of larvae were functions of prey concentration, larval search patterns, light, swimming speeds of predator and prey, and turbulence. Model outputs provide hourly depth-dependent estimates of growth rates, prey biomass ingested, and larval length and weight. Simulations were conducted along a 2-D transect across the tidal front, from mixed to stratified water columns, before and after a wind event. Pre-storm, observed larval cod growth rates, based on RNA-DNA analysis, were highest in the surface 20 m at the stratified and front stations. Post-storm, larval growth rates decreased 1-2% d -1 at the stratified and front stations, corresponding with a <1 °C decrease in temperature. At the mixed station, there was no apparent difference in growth rates with depth, either before or after the storm. Simulations indicate that maximum larval growth rates can occur at the tidal-mixing front due to the

  7. Benthic organism collected using sediment sampler, BT, and bottle casts from the EASTWARD and other platforms in Georges' Bank from 10 July 1981 to 08 June 1983 (NODC Accession 8500125)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Benthic organism were collected using sediment sampler, BT, and bottle casts from the EASTWARD and other platforms in the Georges' Bank from 10 July 1981 to 08 June...

  8. The possible environmental impacts of petroleum exploration activities on the Georges Bank ecosystem

    International Nuclear Information System (INIS)

    Boudreau, P.R.; Gordon, D.C.; Harding, G.C.

    1999-01-01

    This document contains a description of the Georges Bank ecosystem, the potential environmental impacts from petroleum exploration activities and the scientific information gathered to support a series of recommendations offered by the review panel. Input has been provided by Canadian and US government scientists, external reviewers, representatives of commercial fishing and petroleum industries. The overall consensus is that petroleum exploration activity might affect fish catch rates and spawning behaviour, however, such impacts are likely to be temporary and localized. Exploration drilling would cause a temporary loss of access to some fishing grounds, while seismic activity is likely to lead to some temporary space conflicts with fishing activity, especially during the summer months. Seismic activity could also impact on eggs and larvae of aquatic organisms, the extent depending on time of year and location. Large release of petroleum products from well blowout was considered unlikely. If occurred, it might affect population and ecosystem levels. Environmental impacts from production activities were not included in this assessment, however, they are believed to be substantially different from exploratory activities. Such impacts will be dependent upon the product being produced, the market, and the available technology. 140 refs., tabs., figs

  9. 75 FR 80372 - Proposed Amendment of Restricted Areas R-2907A and R-2907B, Lake George, FL; and R-2910...

    Science.gov (United States)

    2010-12-22

    ...-1146; Airspace Docket No. 10-ASO-25] Proposed Amendment of Restricted Areas R-2907A and R-2907B, Lake George, FL; and R-2910, Pinecastle, FL AGENCY: Federal Aviation Administration (FAA), DOT. ACTION: Notice... limits of restricted areas R-2907A and R-2907B, Lake George, FL; and restricted area R-2910, Pinecastle...

  10. Mediterranean banks in EBSA area: Hotspots of biodiversity under threat.

    Science.gov (United States)

    Altobelli, Chiara; Perzia, Patrizia; Falautano, Manuela; Consoli, Pierpaolo; Canese, Simonepietro; Romeo, Teresa; Andaloro, Franco

    2017-10-01

    This study demonstrates that, in the Central Mediterranean Sea, the Graham, Nereo and Pantelleria Vecchia Banks of the Strait of Sicily represent, in the wide and diversified 'Sicily Channel' Ecological or Biological Significant Area, unknown hot spots of biodiversity threatened by human activities. The investigated banks show an high ecological and biological value (EBV), assessed through presence/absence of specific indicators. The ecological groups of Graham Bank show the maximum EBV; the same as Nereo and Pantelleria Vecchia, except for the benthic component. All three banks are highly threatened, mainly the benthic and benthopelagic ecological groups. However, these Banks still have wide pristine areas to protect and can be considered eligible sites for the imposition of area-based management measures of conservation. This study represent also a support for decision makers involved in protection of the Mediterranean open sea areas, to pinpoint other priority conservation banks. Copyright © 2017 Elsevier Ltd. All rights reserved.

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

    Science.gov (United States)

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

    2011-05-01

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

  12. Mediation a Conflict Solving Modality in the Banking Area

    Directory of Open Access Journals (Sweden)

    George MĂGUREANU

    2015-08-01

    Full Text Available The overall objective of the paper is a current topic of a real interest for the reasonable solution of the conflicts which emerge in the banking area. Using the method resulted from a detailed analysis of the field literature and the judiciary practice, the article manages to identify the amplitude and generic principles of solving the litigations in the commercial area through alternative methods to the state justice, overcharged with cases, within the context of the European Union’s regulations and implicitly at the national level. Therefore, we shall perform an analysis of the following objectives: the concept of conflict solving through alternative methods to the state justice, reasonable solution of the conflicts with the possibility of preserving the relations between the partners, the application of the privacy principle. Mediation in the banking area aims at solving the conflicts between the credit institutions, banks or the non-banking institutions and their customers by a person with a special training in the mediation area, independent from the two parties, through a more simplified procedure, so that the relation between the credit unit and its customer should remain a partnership. The paper may contribute to the development of the legislation on the more rapid resolution of this type of litigations; it is useful for the law practitioners: judges, lawyers, counsels, teaching staff and also for the business people in the banking area.

  13. Fractional Reserve Banking: Some Quibbles

    OpenAIRE

    Bagus, Philipp; Howden, David

    2010-01-01

    We explore several unaddressed issues in George Selgin’s (1988) claim that the best monetary system to maintain monetary equilibrium is a fractional reserve free banking one. The claim that adverse clearing balances would limit credit expansion in a fractional reserve free banking system is more troublesome than previously reckoned. Both lengthened clearing periods and interbank agreements render credit expansion unrestrained. “The theory of free banking” confuses increases in money held with...

  14. A tribute to George Plafker

    Science.gov (United States)

    Fuis, Gary S.; Haeussler, Peter J.; Atwater, Brian F.

    2015-01-01

    In a long and distinguished career, George Plafker made fundamental advances in understanding of megathrust tectonics, tsunami generation, paleoseismology, crustal neotectonics, and Alaskan geology, chiefly by means of geological field observations. George discovered that giant earthquakes result from tens of meters of seismic slip on subduction megathrusts, and he did this before the theory of plate tectonics had become a paradigm. The discovery was founded on George's comprehensive mapping of land-level changes in the aftermath of the 1964 earthquake in Alaska, and on his follow-up mapping, in 1968, in the region of the 1960 earthquakes in Chile. The mapping showed paired, parallel belts of coseismic uplift largely offshore and coseismic subsidence mostly onshore – a pattern now familiar as the initial condition assumed in simulations of subduction-zone tsunamis. George recognized, moreover, that splay faulting can play a major role in tsunami generation, and he also distinguished carefully between tectonic and landslide sources for the multiple tsunamis that accounted for nearly all the fatalities associated with the 1964 Alaska earthquake. George's classic monographs on the 1964 earthquake include findings on subduction-zone paleoseismology that he soon extended to include stratigraphic evidence for cyclic vertical deformation at the Copper River Delta, as well as recurrent uplift evidenced by flights of marine terraces at Middleton Island. As a geologist of earthquakes, George also clarified the tectonics and hazards of crustal faulting in Alaska, California, and other areas worldwide. All the while, George was mapping bedrock geology in Alaska, where he contributed importantly to today's understanding of how terranes were accreted and modified. Especially important was his documentation of the origin, movement, subduction, and collision of the Yakutat terrane in southern Alaska.

  15. 77 FR 53868 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2012-09-04

    ... modifications to the sector program, such as creating areas for fishing on Georges Bank (GB) that are not... catch advice developed for Eastern Georges Bank cod and haddock, and Georges Bank yellowtail flounder.... Special Accommodations This meeting is physically accessible to people with disabilities. Requests for...

  16. Unanswered Quibbles with Fractional Reserve Free Banking

    OpenAIRE

    Bagus, Philipp; Howden, David

    2011-01-01

    In this article we reply to George Selgin’s counterarguments to our article “Fractional Reserve Free Banking: Some Quibbles”. Selgin regards holding cash as saving while we focus on the real savings necessary to maintain investment projects. Real savings are unconsumed real income. Variations in real savings are not necessarily equal to variations in cash holdings. We show that a coordinated credit expansion in a fractional reserve free banking (FRFB) system is possible and that precautionary...

  17. Bank filtered water quality characteristics in Okgog-Ri area of Youngsan-River, Korea

    Energy Technology Data Exchange (ETDEWEB)

    Park, Hee-Youl; Kim, Hyoung-Soo [Korea Water Resources Corp., Taejeon(Korea)

    2001-02-28

    Preliminary artificial recharge groundwater intake method using bank filtering had been conducted in Okgog-Ri of Youngsan-River to evaluate the possibility of substitution of surface water intake method in the area. In order to investigate the characteristics of bank filtered groundwater, we examined the hydrogeological properties of alluvium and water quality of stream and groundwater. It is observed that nitrate in stream water from synthetic fertilizer and poultry manure is almost consumed during bank filtering in this area. This implies that denitrification of organic carbon and the oxidation of pyrite present in the alluvium aquifer. Groundwater samples from bank filtering show high Mn concentration. This high Mn concentration may be resulted from decreasing redox potential due to denitrification and increasing mobility due to redox reaction of Mn-oxide. In the study area, there is a typical tendency that Al concentrations of water samples decrease according to increasing pH. This tendency is interpreted as forming of amorphous Al(OH){sub 3} precipitates by reducing the Al{sup 3+} solubilities. It is revealed that the bank filtered groundwater in the area is not edible because color, turbidity, heterotrophic bacteria, coliform and Mn of the groundwater exceed the guideline of drinking water. Even though the bank filtered groundwater without treatment does not satisfy the guideline of drinking water, the groundwater shows a good water quality compared with stream water. So, the water treatment method using bank filtered groundwater can be more economical and efficient than the treatment using direct intake of stream water in the aspect of water quality. (author). 15 refs., 2 tabs., 7 figs.

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

    Science.gov (United States)

    Pecora, Nicolò; Spelta, Alessandro

    2015-09-01

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

  19. Composition of soil seed bank over cholistan desert microhabitats at dingarh for area, pakistan

    International Nuclear Information System (INIS)

    Hamid, A.; Arshad, M.; Ghazali, H.M.Z.

    2016-01-01

    Soil seed banks were assessed in three soil layers (L1, from 0 to 2 cm, L2, 2 to 4 cm and L3, 4 to 6 cm depth ) from five microhabitats i.e., Lee-ward side of sand dune (S1), Wind-ward side of sand dune (S2), Clayey area covered with sand (S3), Interdunal sandy area (S4) and Shifting sand dune of site Dingarh Fort area (S5) in Cholistan desert of Pakistan to analyse differences of soil seed bank among these habitats. Ten soil samples were collected from each microhabitat and from each layer i.e., 0-2 cm depth (L1), 2-4 cm depth (L2) and 4-6 cm depth (L3) by using 15*15*6 cm metallic sampler. Consistent differences in seed composition were observed among these microhabitats. Seedling emergence approach was used to assess the soil seed bank of Cholistan desert. Canonical correspondence analysis (CCA) was used for the soil seed bank and the plant species analysis. The microhabitats S3 (Clayey area covered with sand) and S4 (Interdunal sandy area) contributed prominently to the total variance in the species and had maximum density of seed bank and soil layer L1 contained maximum number of seeds. (author)

  20. Awareness of cord blood banking among pregnant women in semi urban area

    OpenAIRE

    Poomalar G. K.; Jayasree M.

    2016-01-01

    Background: Hematopoietic stem cells (HSCs) are multipotent stem cells, derived from bone marrow, peripheral blood and umbilical cord. These HSC are accepted method of treatment for various disorders. Cord blood can be stored either in private or public bank. Awareness about cord blood banking among semi urban and rural population is less compared to urban population. The aim of our study is to evaluate the awareness of cord blood banking among pregnant women in semi urban area and to evaluat...

  1. 78 FR 39964 - Amendment of Restricted Areas R-2907A and R-2907B, Lake George, FL; and R-2910, Pinecastle, FL

    Science.gov (United States)

    2013-07-03

    ...-1146; Airspace Docket No. 10-ASO-25] RIN 2120-AA66 Amendment of Restricted Areas R-2907A and R-2907B, Lake George, FL; and R-2910, Pinecastle, FL AGENCY: Federal Aviation Administration (FAA), DOT. ACTION... commenters objected to the proposed establishment of two new restricted areas, R-2907B (located between R...

  2. The occurrence and development of peat mounds on King George Island (Maritime Antarctic

    Directory of Open Access Journals (Sweden)

    Jerzy Fabiszewski

    2014-01-01

    Full Text Available On King George Island, South Shetlands Islands, a type of peat formation has been discovered which has not previously been reported from the Antarctic. These formations are in shape of mounds up to 7x 15 m in area, with a peat layer of about I m thick. About twenty five cm below the surface there is a layer of permanently frozen peat. The mounds are covered by living mosses (Polytrichum alpinum and Drepanocladus uncinatus, Antarctic hair grass (Deschampsia antarctica and lichens. Erosion fissures occurring on the surface are evidence of contemporary drying and cessation of the mound's growth. The initial phase of the development of the mounds began with a community dominated by Calliergidium austro-stramineum and Deschampsia antarctica, and their further development has been due to peat accumulation formed almost entirely by Calliergidium. The location of the mounds is near a penguin rookery, which clearly conditioned the minerotrophic character of these formations, as compared with the "moss peat banks" formed by Chorisodontium aciphyllum and Polytrichum al-pestre. Moreover, the peat mounds differ from the latter in several ways, e.g. rate of growth and floristic composition. Radiocarbon dating of peat from the base of one mound gave an age of 4090±60 years B.P. This suggests that the age of the tundra on King George Island is about 5000-4000 years.

  3. Bigelow Paired Gear Efficiency Study

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — This study was conducted in a relatively small area of Georges Bank where an earlier Georges Bank pilot flatfish survey indicated the highest abundance of yellowtail...

  4. Fisheries Closed Areas Strengthen Scallop Larval Settlement and Connectivity Among Closed Areas and Across International Open Fishing Grounds: A Model Study

    Science.gov (United States)

    Davies, Kimberley T. A.; Gentleman, W. C.; DiBacco, C.; Johnson, C. L.

    2015-09-01

    This study examined whether a measured increase in average body size of adult sea scallops inside three fishery closed areas on Georges Bank (GB), United States (US), was sufficient to increase larval supply to closed areas and open fishing areas in both US and Canadian areas of the Bank. The effects of adult scallop density-at-size and fecundity-at-size on egg production were compared among open and closed fishery areas, countries, and time periods before and after the closed areas were established. Estimated egg production was then used to define spawning conditions in a coupled biological-physical larval tracking model that simulated larval development, mortality, and dispersal. Results showed that order of magnitude increases in larval settlement after closure were facilitated by increases in size-dependant egg production inside and dispersal from Closed Areas I and II, but not Nantucket Lightship Closed Area. The distributions of both egg production and larval settlement became more uniform across the Bank, causing the relative contribution of Canadian larvae to US scallop aggregations to decrease after establishment of Closed Areas I and II. Decreases in small and medium-sized scallop density in Canada and decreases in large scallops over the US-Southern Flank after closure caused local declines in egg production but were not sufficient to negatively affect larval settlement at the regional scale. Our model suggests that the establishment of fishery closed areas on GB considerably strengthened larval supply and settlement within and among several adult scallop aggregations.

  5. Unanswered Quibbles with Fractional Reserve Free Banking

    Directory of Open Access Journals (Sweden)

    Philipp Bagus

    2011-07-01

    Full Text Available In this article we reply to George Selgin’s counterarguments to our article “Fractional Reserve Free Banking: Some Quibbles”. Selgin regards holding cash as saving while we focus on the real savings necessary to maintain investment projects. Real savings are unconsumed real income. Variations in real savings are not necessarily equal to variations in cash holdings. We show that a coordinated credit expansion in a fractional reserve free banking (FRFB system is possible and that precautionary reserves consequently do not pose a necessary limit. We discuss various instances in which a FRFB system may expand credit without a prior increase in real savings. These facets all demonstrate why a fractional reserve banking system – even a free banking one – is inherently unstable, and incentivized to impose a stabilizing central bank. We find that at the root of our disagreements with Selgin lies a different approach to monetary theory. Selgin subscribes to the aggregative equation of exchange, which impedes him from seeing the microeconomic problems that the stabilization of “MV” by a FRFB system causes.

  6. Bank gully extraction from DEMs utilizing the geomorphologic features of a loess hilly area in China

    Science.gov (United States)

    Yang, Xin; Na, Jiaming; Tang, Guoan; Wang, Tingting; Zhu, Axing

    2018-04-01

    As one of most active gully types in the Chinese Loess Plateau, bank gullies generally indicate soil loss and land degradation. This study addressed the lack of detailed, large scale monitoring of bank gullies and proposed a semi-automatic method for extracting bank gullies, given typical topographic features based on 5 m resolution DEMs. First, channel networks, including bank gullies, are extracted through an iterative channel burn-in algorithm. Second, gully heads are correctly positioned based on the spatial relationship between gully heads and their corresponding gully shoulder lines. Third, bank gullies are distinguished from other gullies using the newly proposed topographic measurement of "relative gully depth (RGD)." The experimental results from the loess hilly area of the Linjiajian watershed in the Chinese Loess Plateau show that the producer accuracy reaches 87.5%. The accuracy is affected by the DEM resolution and RGD parameters, as well as the accuracy of the gully shoulder line. The application in the Madigou watershed with a high DEM resolution validated the duplicability of this method in other areas. The overall performance shows that bank gullies can be extracted with acceptable accuracy over a large area, which provides essential information for research on soil erosion, geomorphology, and environmental ecology.

  7. Address of U.S. President George W. Bush / George W. Bush

    Index Scriptorium Estoniae

    Bush, George W., 1946-

    2005-01-01

    Ilmunud ka: Eesti Päevaleht : Mõte 10. juuni lk. 9-11. Ameerika Ühendriikide presidendi George Bushi Läti visiidi ajal 7. mail peetud kõne. Ajal. Eesti Päevaleht : Möte toodud ka George W. Bushi CV. Ajal. The Baltic Times lüh.

  8. Sajan D George

    Indian Academy of Sciences (India)

    Home; Journals; Resonance – Journal of Science Education. Sajan D George. Articles written in Resonance – Journal of Science Education. Volume 17 Issue 7 July 2012 pp 682-690 General Article. Microfluidics – A Lab in Your Palm · Dileep Mampallil Sajan D George · More Details Fulltext PDF ...

  9. 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.

  10. Hydrogeological properties of bank storage area in Changwon city, Korea

    Science.gov (United States)

    Hamm, S.-Y.; Kim, H.-S.; Cheong, J.-Y.; Ryu, S. M.; Kim, M. J.

    2003-04-01

    Bank filtrated water has been used in developed countries such as United States, France, Germany, Austria, Nederland and so on. In Korea, most of the drinking water is provided from the surface water. However, drinking water acquisition is becoming difficult due to the degradation of surface water quality. In special, the quality of drinking water source is much lower in downstream area than in upstream area. Thus, the use of bank filtrated water is getting attracted by central and local governments in Korea. The bank filtrated water was surveyed in the areas of Yeongsan river, Nakdong river, Geum river and Han river. Up to present, however, the downstream areas of Nakdong river are most suitable places to apply the bank filtration system. This study investigates hydrogeological characteristics of bank-storage area located in Daesan- Myeon, Changwon city, adjacent the downstream of Nakdong river. Changwon city is the capital city of Gyeongsangnam-Do province. Changwon city uses water derived from Nakdong river as municipal water. However, the quantity and quality of the river water are gradually decreased. Thus, Changwon city developed two sites of bank filtration system in Daesan-myeon and Buk-myeon. Pumping rate is 2,000m3/day at present and will be increased to 60,000m3/day in Daesan-myeon site at the end of the first stage of the project. For the study, we conducted pumping tests four times on seven pumping wells (PW1, PW2, PW3, PW4, PW5, PW6, and PW7) and twelve drill holes (BH-2, OW2-OW12) in the area of 370 m x 100 m. Pumping wells PW1 and PW2 were drilled in 1999 by Samjung Engineering Co. and pumping wells PW3, PW4, PW5, PW6 and PW7 were drilled in 2000 by Donga Construction Co. and Daeduk Gongyeong Co. The pumping wells are located at 45-110 meters from Nakdong riverside. The geology of the study area is composed of volcanic rocks (Palryeongsan tuff and Jusasan andesitic rock) and alluvium. Palryeongsan tuff consists of mostly green tuff with partly

  11. Design principles of water sensitive in settlement area on the river banks

    Science.gov (United States)

    Ryanti, E.; Hasriyanti, N.; Utami, W. D.

    2018-03-01

    This research will formulate the principle of designing settlement area of Kapuas River Pontianak with the approach of water sensitive concept of urban design (WSUD) the densely populated settlement area. By using a case study the approach that is a dense settlement area located on the banks of the river with literature study techniques to formulate the aspects considered and components that are set in the design, descriptive analysis with the rationalistic paradigm for identification characteristics of the settlement in the river banks areas with consideration of WSUD elements and formulate the principles of designing water-sensitive settlement areas. This research is important to do because the problems related to the water management system in the existing riverside settlement in Pontianak has not been maximal to do. So the primary of this research contains several objectives that will be achieved that is identifying the characteristics of riverside settlement area based on consideration of design aspects of the area that are sensitive to water and the principle of designing the area so that the existing problem structure will be formulated in relation to the community’s need for infrastructure in settlement environment and formulate and develop appropriate technology guidelines for integrated water management systems in riverside settlement areas and design techniques for water-sensitive settlements (WSUD).

  12. Soil plutonium and cesium in stream channels and banks of Los Alamos liquid effluent-receiving areas

    International Nuclear Information System (INIS)

    Nyhan, J.W.; White, G.C.; Trujillo, G.

    1982-01-01

    Stream channel sediments and adjacent bank soils found in three intermittent streams used for treated liquid effluent disposal at Los Alamos, New Mexico were sampled to determine the distribution of 238 Pu, sup(239,240)Pu and 137 Cs. Radionuclide concentrations and inventories were determined as functions of distance downstream from the waste outfall and from the center of the stream channel, soil sampling depth, stream channel-bank physiography, and the waste use history of each disposal area. Radionuclide concentrations in channel sediments were inversely related to distances up to 10 km downstream from the outfalls. For sites receiving appreciable waste effluent additions, contaminant concentrations in bank soils decreased with perpendicular distances greater than 0.38 m from the stream channel, and with stream bank sampling depths greater than 20-40 cm. Concentrations and total inventories of radionuclides in stream bank soils generally decreased as stream bank height increased. Inventory estimates of radionuclides in channel sediments exhibited coefficients of variation that ranged 0.41-2.6, reflecting the large variation in radionuclide concentrations at each site. Several interesting temporal relationships of these radionuclides in intermittent streams were gleaned from the varying waste use histories of the three effluent-receiving areas. Eleven years after liquid wastes were added to one canyon, the major radionuclide inventories were found in the stream bank soils, unlike most of the other currently-used receiving areas. A period of time greater than 6 yr seems to be required before the plutonium in liquid wastes currently added to the canyon is approximately equilibrated with the plutonium in the bank soils. These observations are discussed relative to waste management practices in these southwestern intermittent streams. (author)

  13. Soil plutonium and cesium in stream channels and banks of Los Alamos liquid effluent-receiving areas.

    Science.gov (United States)

    Nyhan, J W; White, G C; Trujillo, G

    1982-10-01

    Stream channel sediments and adjacent bank soils found in three intermittent streams used for treated liquid effluent disposal at Los Alamos, New Mexico were sampled to determine the distribution of 238Pu, 239,240Pu and 137Cs. Radionuclide concentrations and inventories were determined as functions of distance downstream from the waste outfall and from the center of the stream channel, soil sampling depth, stream channel-bank physiography, and the waste use history of each disposal area. Radionuclide concentrations in channel sediments were inversely related to distances up to 10 km downstream from the outfalls. For sites receiving appreciable waste effluent additions, contaminant concentrations in bank soils decreased with perpendicular distances greater than 0.38 m from the stream channel, and with stream bank sampling depths greater than 20-40 cm. Concentrations and total inventories of radionuclides in stream bank soils generally decreased as stream bank height increased. Inventory estimates of radionuclides in channel sediments exhibited coefficients of variation that ranged 0.41-2.6, reflecting the large variation in radionuclide concentrations at each site. Several interesting temporal relationships of these radionuclides in intermittent streams were gleaned from the varying waste use histories of the three effluent-receiving areas. Eleven yr after liquid wastes were added to one canyon, the major radionuclide inventories were found in the stream bank soils, unlike most of the other currently-used receiving areas. A period of time greater than 6 yr seems to be required before the plutonium in liquid wastes currently added to the canyon is approximately equilibrated with the plutonium in the bank soils. These observations are discussed relative to waste management practices in these southwestern intermittent streams.

  14. Final Comments from Professors George and Beane.

    Science.gov (United States)

    Beane, James; George, Paul S.

    1996-01-01

    Concludes this journal focus section on curriculum integration with transcripts of questions asked by conference attendees and answers by Professors Beane and George. Areas addressed included experience levels with children and teachers, studies that point to the failure of curriculum integration, and how teachers can continue curriculum…

  15. 77 FR 58982 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2012-09-25

    ... allowed into the Georges Bank access areas. The Committee may also develop options for additional sub-ACLs... may be incorporated into the framework, such as issues related to Georges Bank yellowtail flounder.... Special Accommodations This meeting is physically accessible to people with disabilities. Requests for...

  16. 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...

  17. 75 FR 55286 - Fisheries of the Northeastern United States; Northeast Multispecies Fishery; Adjustment to...

    Science.gov (United States)

    2010-09-10

    ...; Adjustment to Fishing Year 2010 Georges Bank Yellowtail Flounder Total Allowable Catch AGENCY: National...) (May 1, 2009- April 30, 2010) indicate that the total catch of Georges Bank (GB) yellowtail flounder....S./Canada Management Area were published in the Federal Register on April 9, 2010 (75 FR 18356) as...

  18. George Hampton (1920-2004)

    CERN Multimedia

    2004-01-01

    George Hampton, who died recently, was CERN's Director of Administration in the 1960s and an important member of the team who managed the growth of CERN as it left the construction period and became a world-class physics laboratory. George came to CERN in the 1963, when the laboratory was just starting its main research activities after the intense period of construction for the Proton Synchrotron (PS). At that time the laboratory was passing through a major budget crisis, and the new Director-general, Viki Weisskopf, was faced with a completely new structure set up by his predecessor John Adams, with 12 divisions for running the laboratory reporting directly to him, and with four Directors. With the renewal of the position of Director of Administration in 1963, Weisskopf selected George Hampton from candidates from the Member States. He came from the UK Atomic Energy Authority, but had worked earlier as a delegate to the international Civil Aviation Organization. George's position at the start was to hel...

  19. A Biogeographic Assessment of the Stellwagen Bank National Marine Sanctuary - Kriged Predictive Map of Zooplankton Samples

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Zooplankton communities have been well studied in the northeast Atlantic (Sherman et al., 1983) and on Georges Bank within the Gulf of Maine (Bigelow, 1927; Davis,...

  20. A Biogeographic Assessment of the Stellwagen Bank National Marine Sanctuary - Kriged Probability Map of Zooplankton Samples

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Zooplankton communities have been well studied in the northeast Atlantic (Sherman et al., 1983) and on Georges Bank within the Gulf of Maine (Bigelow, 1927; Davis,...

  1. Biological-Physical Interactions on Georges Bank: Plankton Transport and Population Dynamics of the Ocean Quahog, Arctica islandica

    National Research Council Canada - National Science Library

    1997-01-01

    .... These alterations in bank trophic structure may reduce recruitment of higher trophic levels. NPZ and copepod stage structure models embedded in stratified flow over an idealized bank indicate that strong storms...

  2. 104 Bank Regulation and Reforms: For What? Rural Areas ...

    African Journals Online (AJOL)

    User

    2011-07-21

    Jul 21, 2011 ... that the government should direct its budget to capture more banks' ... (currency plus bank reserves) to control nominal variables like price level ... banks where needed and when accommodation facilities cannot hold. It is.

  3. George Chester Stone (1924-2013).

    Science.gov (United States)

    Adler, Nancy

    2014-01-01

    George Chester Stone was born February 21, 1924, and died on July 13, 2013. A quiet revolutionary, George was a founder of the field of health psychology. George played critical roles conceptualizing the field of health psychology, charting its bounds and potential, promulgating guidelines for training, founding the first doctoral program in health psychology, editing influential volumes defining the new field, launching the flagship journal for the field, and establishing a home for the field within APA. He was able to accomplish all this through his talent for working collaboratively. 2014 APA, all rights reserved

  4. George's cosmic treasure hunt

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2009-01-01

    George and Annie explore the galaxy in this cosmic adventure from Stephen Hawking and Lucy Hawking, complete with essays from Professor Hawking about the latest in space travel. George is heartbroken when he learns that his friend Annie and her father are moving to the US. Eric has a new job working for the space program, looking for signs of life in the Universe. Eric leaves George with a gift—a book called The User’s Guide to the Universe. But Annie and Eric haven’t been gone for very long when Annie believes that she is being contacted by aliens, who have a terrible warning for her. George joins her in the US to help her with her quest—and before he knows it, he, Annie, Cosmos, and Annie’s annoying cousin Emmett have been swept up in a cosmic treasure hunt, spanning the whole galaxy and beyond. Lucy Hawking's own experiences in zero-gravity flight and interviews with astronauts at Cape Kennedy and the Johnson Space Center lend the book a sense of realism and excitement that is sure to fire up ima...

  5. George and the big bang

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2012-01-01

    George has problems. He has twin baby sisters at home who demand his parents’ attention. His beloved pig Freddy has been exiled to a farm, where he’s miserable. And worst of all, his best friend, Annie, has made a new friend whom she seems to like more than George. So George jumps at the chance to help Eric with his plans to run a big experiment in Switzerland that seeks to explore the earliest moment of the universe. But there is a conspiracy afoot, and a group of evildoers is planning to sabotage the experiment. Can George repair his friendship with Annie and piece together the clues before Eric’s experiment is destroyed forever? This engaging adventure features essays by Professor Stephen Hawking and other eminent physicists about the origins of the universe and ends with a twenty-page graphic novel that explains how the Big Bang happened—in reverse!

  6. 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...

  7. Hans Joas & Daniel R. Huebner (eds.), The Timeliness of George Herbert Mead

    OpenAIRE

    Baggio, Guido

    2018-01-01

    The Timeliness of George Herbert Mead is a significant contribution to the recent “Mead renaissance.” It gathers some contributions first presented at the conference celebrating the 150th anniversary of the birth of George Herbert Mead held in April 2013 at the University of Chicago and organized by Hans Joas, Andrew Abbott, Daniel Huebner, and Christopher Takacs. The volume brings scholarship on G. H. Mead up to date highlighting Mead’s relevance for areas of research completely ignored by p...

  8. The Alaska Area Specimen Bank: a tribal-federal partnership to maintain and manage a resource for health research.

    Science.gov (United States)

    Parkinson, Alan J; Hennessy, Thomas; Bulkow, Lisa; Smith, H Sally

    2013-01-01

    Banked biospecimens from a defined population are a valuable resource that can be used to assess early markers for illness or to determine the prevalence of a disease to aid the development of intervention strategies to reduce morbidity and mortality. The Alaska Area Specimen Bank (AASB) currently contains 266,353 residual biologic specimens (serum, plasma, whole blood, tissue, bacterial cultures) from 83,841 persons who participated in research studies, public health investigations and clinical testing conducted by the U.S. Public Health Service and Alaska Native tribal health organisations dating back to 1961. The majority (95.7%) are serum specimens, 77% were collected between 1981 and 1994 and 85% were collected from Alaska Native people. Oversight of the specimen bank is provided by a working group with representation from tribal, state and federal health organisations, the Alaska Area IRB and a specimen bank committee which ensures the specimens are used in accordance with policies and procedures developed by the working group.

  9. PSP toxin levels and plankton community composition and abundance in size-fractionated vertical profiles during spring/summer blooms of the toxic dinoflagellate Alexandrium fundyense in the Gulf of Maine and on Georges Bank, 2007, 2008, and 2010: 2. Plankton community composition and abundance.

    Science.gov (United States)

    Petitpas, Christian M; Turner, Jefferson T; Deeds, Jonathan R; Keafer, Bruce A; McGillicuddy, Dennis J; Milligan, Peter J; Shue, Vangie; White, Kevin D; Anderson, Donald M

    2014-05-01

    As part of the Gulf of Maine Toxicity (GOMTOX) project, we determined Alexandrium fundyense abundance, paralytic shellfish poisoning (PSP) toxin levels in various plankton size fractions, and the community composition of potential grazers of A. fundyense in plankton size fractions during blooms of this toxic dinoflagellate in the coastal Gulf of Maine and on Georges Bank in spring and summer of 2007, 2008, and 2010. PSP toxins and A. fundyense cells were found throughout the sampled water column (down to 50 m) in the 20-64 μm size fractions. While PSP toxins were widespread throughout all size classes of the zooplankton grazing community, the majority of the toxin was measured in the 20-64 μm size fraction. A. fundyense cellular toxin content estimated from field samples was significantly higher in the coastal Gulf of Maine than on Georges Bank. Most samples containing PSP toxins in the present study had diverse assemblages of grazers. However, some samples clearly suggested PSP toxin accumulation in several different grazer taxa including tintinnids, heterotrophic dinoflagellates of the genus Protoperidinium , barnacle nauplii, the harpacticoid copepod Microsetella norvegica , the calanoid copepods Calanus finmarchicus and Pseudocalanus spp., the marine cladoceran Evadne nordmanni , and hydroids of the genus Clytia . Thus, a diverse assemblage of zooplankton grazers accumulated PSP toxins through food-web interactions. This raises the question of whether PSP toxins pose a potential human health risk not only from nearshore bivalve shellfish, but also potentially from fish and other upper-level consumers in zooplankton-based pelagic food webs.

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

    Directory of Open Access Journals (Sweden)

    Magdalena, RADULESCU

    2014-11-01

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

  11. 76 FR 44577 - New England Fishery Management Council; Public meeting

    Science.gov (United States)

    2011-07-26

    ... Georges Bank yellowtail flounder, Eastern Georges Bank cod, and Eastern Georges Bank haddock. The Committee will identify alternatives for modifying the Georges Bank yellowtail flounder rebuilding strategy... Accommodations This meeting is physically accessible to people with disabilities. Requests for sign language...

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

    Directory of Open Access Journals (Sweden)

    Mohammad Nazim Uddin

    2018-01-01

    Full Text Available Green banking is an integral part of Islamic banking that makes a basis of environmental protection. This study attempts to examine the relationship between Islamic banking and green banking that contribute to sustainable development. The study has used the primary data through a structural questionnaire that includes various dimensions on green banking of Islamic banking in Bangladesh. The investigation revealed that Islamic banks had made a significant contribution to green banking that improves the environment as means of cost and energy savings, preservation of natural resources and the need to respect all living things. The study seems to carry an enormous academic value since a few studies have undertaken in this areaDOI: 10.15408/aiq.v10i1.4563

  13. In honour of Georges Charpak

    CERN Multimedia

    More than 40 years ago, Georges Charpak invented the multi-wire proportional chamber, which revolutionized the detection of particles and which found applications in medicine. He was awarded the Nobel Prize in physics for this invention in 1992. On March 9, there will be a conference here at CERN to celebrate Georges Charpak’s 85th birthday and to pay tribute to his groundbreaking work. After an introduction by Rolf Heuer, CERN Director-General, Georges Charpak will give a short speech by videoconference. This will be followed by a talk on the invention of the multi-wire proportional chamber by Ioanis Giomataris of CEA-Saclay. You are invited to attend this special conference in the Main Auditorium, from 4.00 pm to 6.00 pm: http://indico.cern.ch/conferenceDisplay.py?confId=53188

  14. Theoretical Considerations on the Organisation of Banking Supervision and Internal Banking Control

    Directory of Open Access Journals (Sweden)

    Loredana CIURLAU

    2016-09-01

    Full Text Available Prudential supervision of the entities wich make up the banking system from Romania constitute one of the main tasks of the National Bank of Romania which are characterized by a specificity that distinguishes it from its control activities in other areas of social and economic activity. This attribution becomes essential in the activity of the National Bank of Romania as long as the legislature authorizes this institution with an exclusive quality of national authority in this area.

  15. Conservation targets in marine protected area management suffer from shifting baseline syndrome: A case study on the Dogger Bank.

    Science.gov (United States)

    Plumeridge, Annabel A; Roberts, Callum M

    2017-03-15

    The Dogger Bank is a subtidal hill in the North Sea that is a candidate Special Area of Conservation under the EU Habitats Directive in UK waters. Historical records indicate that the Bank has been subject to human exploitation from before the 16th century but conservation objectives have been developed using recent survey data. This has the potential to significantly underestimate the alteration this ecosystem has experienced, making the Dogger Bank an example of shifting baseline syndrome in protected area management. We compile quantitative and qualitative descriptions from historical records of change in catch rates, fishing effort, price and fish size to show that there have been prolonged declines in abundance of fish on the Bank since the early 19th century. Use of present day data to inform conservation has led to unambitious recovery targets. Historical data, we argue, are an essential input to conservation decision making. Copyright © 2017 Elsevier Ltd. All rights reserved.

  16. George Washington: A Grounded Leader

    Science.gov (United States)

    2011-04-08

    placed in this book two years after the death of his father likely indicating he was now beginning to take possession of key documents that he...these truths would become part of the strong foundation upon which George would continue to build after the death ofhis father. As George moved into...men and women admired. He was both an I impressive horseman at a time when these talents truly counted, and became an extraordinarily graceful

  17. COMPILATION OF GEOMORPHOLOGICAL MAP FOR RECONSTRUCTING THE DEGLACIATION OF ICE-FREE AREAS IN THE MARTEL INLET, KING GEORGE ISLAND, ANTARCTICA

    Directory of Open Access Journals (Sweden)

    Kátia Kellem Rosa

    2014-03-01

    Full Text Available We compiled a geomorphological map and a reconstruction map of glacier extension and ice-free areas in the Martel Inlet, located in King George Island, South Shetlands, Antarctica. Glacier extension data were derived of the digitized over a orthophotomosaic (2003, SPOT (February, 1988; March, 1995 and 2000, Quickbird (October, 2006 and Cosmo-Skymed (February, 2011 images. This mapping was supported by fieldworks carried out in the summers of 2007, 2010 and 2011, and by topographic surveys and geomorphic map in the proglacial area. Several types of glacial deposits were identified in the study area, such as frontal and lateral moraines, flutes, meltwater channels and erosional features like rock moutonnés, striations and U-shaped valleys. These features allowed reconstructing the evolution of the deglaciation environment in the Martel Inlet ice-free areas, which has been affected by a regional climate warming trend. The mapped data indicated the glaciers in study area lost about 0.71 km² of their ice masses (13.2% of the 50.3 km² total area, without any advances during 1979-2011. Since those years these glaciers receded by an average of 25.9 m a-1. These ice-free areas were susceptible to rapid post-depositional changes.

  18. George Soros : sõda terroriga on kohutav viga / George Soros ; interv. Külli-Riin Tigasson

    Index Scriptorium Estoniae

    Soros, George, 1930-

    2006-01-01

    Ilmunud ka: Infopress 15. dets. nr. 50 lk. 149. Miljardär ja filantroop George Soros vastab küsimustele, mis puudutavad tema raamatus "Ekslikkuse ajastu. Sõda terroriga ja selle tagajärjed" esitatud seisukohti. Ta leiab, et sõjakuulutamine terrorismile oli vale reaktsioon 11. septembri rünnakutele. George W. Bushi kursi muutumine Iraagiga seoses on tulnud liiga hilja. USA peab naasma oma traditsioonilise rolli juurde maailmas ja tegelema inimkonna suurimate probleemidega

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

    Directory of Open Access Journals (Sweden)

    Daru Setyo Rini

    2018-01-01

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

  20. 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

  1. Georges et le big bang

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2011-01-01

    Georges et Annie, sa meilleure amie, sont sur le point d'assister à l'une des plus importantes expériences scientifiques de tous les temps : explorer les premiers instants de l'Univers, le Big Bang ! Grâce à Cosmos, leur super ordinateur, et au Grand Collisionneur de hadrons créé par Éric, le père d'Annie, ils vont enfin pouvoir répondre à cette question essentielle : pourquoi existons nous ? Mais Georges et Annie découvrent qu'un complot diabolique se trame. Pire, c'est toute la recherche scientifique qui est en péril ! Entraîné dans d'incroyables aventures, Georges ira jusqu'aux confins de la galaxie pour sauver ses amis...Une plongée passionnante au coeur du Big Bang. Les toutes dernières théories de Stephen Hawking et des plus grands scientifiques actuels.

  2. CERN honours Georges Charpak

    CERN Multimedia

    2009-01-01

    CERN pays tribute to the work of Georges Charpak at a colloquium in honour of his 85th birthday. var flash_video_player=get_video_player_path(); insert_player_for_external('Video/Public/Movies/2009/CERN-MOVIE-2009-008/CERN-MOVIE-2009-008-0753-kbps-480x360-25-fps-audio-64-kbps-44-kHz-stereo', 'mms://mediastream.cern.ch/MediaArchive/Video/Public/Movies/2009/CERN-MOVIE-2009-008/CERN-MOVIE-2009-008-Multirate-200-to-753-kbps-480x360.wmv', 'false', 480, 360, 'https://mediastream.cern.ch/MediaArchive/Video/Public/Movies/2009/CERN-MOVIE-2009-008/CERN-MOVIE-2009-008-posterframe-480x360-at-10-percent.jpg', '1167500', true, 'Video/Public/Movies/2009/CERN-MOVIE-2009-008/CERN-MOVIE-2009-008-0600-kbps-maxH-360-25-fps-audio-128-kbps-48-kHz-stereo.mp4'); Watch the video conference of Georges Charpak.   On 9 March CERN’s Main Auditorium was the venue for a fascinating and moving celebration marking the 85th birthday of Georges Charpak, who was awarded the Nobel Prize for Physics in 1992 for his inven...

  3. EDITORIAL: George W Series Memorial Essays

    Science.gov (United States)

    Dodd, J. N.

    1997-01-01

    tuneable lasers, generally with the emphasis on understanding the underlying physics rather than accumulating data. He had a highly original mind, which showed both in his choice of research topics and in his method of approach. He did not follow fashion; his instinct for an interesting problem was at odds with the modem policy of direct funding and the identification of "growth areas". His applications for research grants were often unsuccessful, despite his high international standing and integrity. He was never interested in building up a large research team, and had comparatively few research students, but his enthusiasm and commitment to the quality of his science attracted a succession of overseas visitors to his laboratory. Following my own year at the Clarendon, and some subsequent visits both to Oxford and to Reading, there was a continuing strong association between the Clarendon and Otago Physics that continues until today. George Series was the William Evans Visiting Professor to Otago University in 1972. He never lost his interest in the fundamentals of physics inspired by his first researches into the structure of the hydrogen atom; he wrote on the Rydberg constant, the physics of spontaneous emission, and on the fine-structure constant α = e2/hc. He donated a garden seat to St Edmund Hall (Oxford), of which he was a Fellow. On it he placed a plaque* in recognition of the ubiquitous nature of this constant; it almost had magical significance for him. He served physics in many ways outside research. He was for a number of years the Editor of the European Journal of Physics and was also Editor of the Journal of Physics B: Atomic and Molecular Physics, He was also on the Editorial Board of a number of journals. He was elected to Fellowship of a number of physics societies. The Editorial Board of these Memorial Essays dedicate them to George's memory, and to his wife Annette and his family.

  4. Georges Charpak street sign unveiled

    CERN Multimedia

    Paola Catapano

    2011-01-01

    While it might not be the only French street named in honour of the late Georges Charpak, who passed away in September 2010 at the age of 87, the street chosen by the mayor of Saint-Genis-Pouilly is certainly the only one located directly opposite the CERN "campus". The road overlooks buildings on the CERN Meyrin site, where Georges Charpak spent most of his career as a physicist, conducting the research that won him the Nobel Prize in Physics in 1992.   From left to right: Sigurd Lettow, Dominique Charpak and the mayor of Saint-Genis-Pouilly. The unveiling took place on 17 October and was organised by the mayor of Saint-Genis-Pouilly. George Charpak’s wife, Dominique, and Sigurd Lettow, CERN Director of Administration and General Infrastructure, attended what was an intimate and touching ceremony. The mayor’s speech at the event praised Georges’ commitment to scientific education. The highlight of the event, however, was a witty and humorous ...

  5. Georges Charpak, Nobel Physics Prize 1992

    Energy Technology Data Exchange (ETDEWEB)

    Anon.

    1992-12-15

    Wednesday 14 October looked like being a day like any other for detector specialist Georges Charpak. Except he had an unwelcome appointment with the dentist early that afternoon. Late that morning he was able to telephone to cancel the appointment. 'I have a small problem...', he explained. The problem was the announcement that Georges Charpak receives 1992's most prestigious award for physics.

  6. The Banking Union: An Overview and Open Issues

    NARCIS (Netherlands)

    D. Schoenmaker (Dirk)

    2016-01-01

    markdownabstractThe move to European Banking Union involving the supervision and resolution of banks at euro-area level was stimulated by the sovereign debt crisis in the euro area in 2012. However, the long-term objective of Banking Union is dealing with intensified cross-border banking. The

  7. George A. Olah, Carbocation and Hydrocarbon Chemistry

    Science.gov (United States)

    dropdown arrow Site Map A-Z Index Menu Synopsis George A. Olah, Carbocation and Hydrocarbon Chemistry George Olah received the 1994 Nobel Prize in Chemistry "for his contribution to carbocation chemistry" and his 'role in the chemistry of hydrocarbons. In particular, he developed superacids

  8. 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...

  9. Population, Environmental, and Community Effects on Local Bank Vole (Myodes glareolus) Puumala Virus Infection in an Area with Low Human Incidence

    DEFF Research Database (Denmark)

    Tersago, K; Schreurs, A; Linard, C

    2008-01-01

    In this study, the distribution of Puumala hantavirus (PUUV) infection in local bank vole Myodes glareolus populations in an area with low human PUUV infection (nephropathia epidemica [NE]) incidence in northern Belgium was monitored for 2 consecutive years. Bank voles were trapped in preferred h...... activity patterns, local environmental conditions and rodent community structure are also likely to play a role in determining PUUV infection risk for humans....... habitat and tested for anti-PUUV IgG. Infection data were related to individual bank vole features, population demography, and environmental variables. Rare occurrence of PUUV infection was found and PUUV prevalence was low compared with data from the high NE incidence area in southern Belgium. Small...

  10. Georges Charpak, Nobel Physics Prize 1992

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    Wednesday 14 October looked like being a day like any other for detector specialist Georges Charpak. Except he had an unwelcome appointment with the dentist early that afternoon. Late that morning he was able to telephone to cancel the appointment. 'I have a small problem...', he explained. The problem was the announcement that Georges Charpak receives 1992's most prestigious award for physics

  11. Georges Charpak and his multiwire chamber

    CERN Multimedia

    1970-01-01

    In 1968, Georges Charpak developed the 'multiwire proportional chamber', a gas-filled box with a large number of parallel detector wires, each connected to individual amplifiers. Linked to a computer, it could achieve a counting rate a thousand times better than existing techniques - without a camera in sight. From left to right, Georges Charpak, Fabio Sauli and Jean-Claude Santiard working on a multiwire chamber in 1970.

  12. Peculiarities of plant contamination in the right-bank area of the Kyiv water reservoir

    International Nuclear Information System (INIS)

    Shirokaya, Z.O.; Klenus, V.G.; Kaglyan, A.E.; Gudkov, D.I.; Yurchuk, L.P.

    2008-01-01

    Paper contains the results of study the peculiarities of radionuclide accumulation by higher aquatic plants of the Kyiv water reservoir from 1991 to 2008. Content of the Cs 137 radionuclide in higher aquatic plants of the right-bank area of Kyiv water reservoir were analyzed. The modern state of vegetation coverage of Kyiv reservoir are estimated. (authors)

  13. Hommage à Georges Duby

    Directory of Open Access Journals (Sweden)

    Dominique Iogna-Prat

    2006-09-01

    Full Text Available Dix ans après le décès du grand maître des études médiévales, le temps est sans nul doute venu de revisiter l’œuvre de Georges Duby et d’en discuter l’actualité du point de vue de l’histoire sociale du Moyen Âge. À une seule exception – Claudie Amado, qui fut son assistante –, les historiens invités n’ont pas travaillé au contact direct de Georges Duby ; il leur a été demandé de faire, chacun dans leur domaine, le bilan des apports du maître et de mettre en perspective ses principales thèses ...

  14. PENGARUH BUDAYA ORGANISASI, KEPEMIMPINAN DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN PADA PT BANK DANAMON DIVISI SEMM AREA NGAWI

    Directory of Open Access Journals (Sweden)

    Febriawan Ardi Nugroho

    2017-11-01

    Full Text Available Aware of the elements of human resources is a determining factor in the achievement of the company, the employee must doing a good job so that produce a good performance and provider maximum benefit for the company. To make employees perform their jobs well, the company has made various efforts one form review policies on human resources. This research for analysis the influence of organizational culture, leadership and work motivation to the employees of PT Bank Danamon Division SEMM Area Ngawi. The benefits of this research is to facilitate the management to conduct an internal evaluation so that the performance of employees of PT Bank Danamon Division SEMM Area Ngawi continues to growth.

  15. 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.

  16. The extent and causes of stress in teachers in the George region

    African Journals Online (AJOL)

    Erna Kinsey

    The purpose of this particular research project was to establish which aspects of the teaching profession are stress-related in the. George area. ... for teachers to manage their stress are based on these conclusions. ... Positive (good) stress (for example an opportunity, a promotion, .... school classroom (Hanks, 1990:1213).

  17. The philosophy of Hans-Georg Gadamer / Wolfgang Drechsler

    Index Scriptorium Estoniae

    Drechsler, Wolfgang, 1963-

    1998-01-01

    Rets.rmt.: The philosophy of Hans-Georg Gadamer : a review of the philosophy of Hans-Georg Gadamer / Lewis Edwin Hahn, ed. Chicago and La Salle, IL: Open Court, 1997. (The Library of Living Philosophers, vol. XXIV)

  18. Insights into Motivating Internet Users towards Internet Banking

    OpenAIRE

    J. Ramola Premalatha

    2016-01-01

    Internet banking has evolved from helping customers meet their basic banking needs to meeting their sophisticated needs. In recent years, the number of internet banking users has been increasing exponentially. As customers get more and more educated, getting insight about internet banking has become a primary area of concern for all leading banks in India. Hence, the study is made to analyse the perception of customers specifically who are computer literate, in a semi-urban area about interne...

  19. [Soil seed bank formation during early revegetation of areas affected by mining in a tropical rain forest of Chocó, Colombia].

    Science.gov (United States)

    Valois-Cuesta, Hamleth; Martínez-Ruiz, Carolina; Urrutia-Rivas, Yorley

    2017-03-01

    Mining is one of the main economic activities in many tropical regions and is the cause of devastation of large areas of natural tropical forests. The knowledge of the regenerative potential of mining disturbed areas provides valuable information for their ecological restoration. The aim of this study was to evaluate the effect of age of abandonment of mines and their distance from the adjacent forest, on the formation of soil seed bank in abandoned mines in the San Juan, Chocó, Colombia. To do this, we determined the abundance and species composition of the soil seed bank, and the dynamics of seed rain in mines of different cessation period of mining activity (6 and 15 years), and at different distances from the adjacent forest matrix (50 and 100 m). Seed rain was composed by five species of plants with anemocorous dispersion, and was more abundant in the mine of 6 years than in the mine of 15 years. There were no significant differences in the number of seeds collected at 50 m and 100 m from the adjacent forest. The soil seed bank was represented by eight species: two with anemocorous dispersion (common among the seed rain species) and the rest with zoochorous dispersion. The abundance of seeds in the soil did not vary with the age of the mine, but was higher at close distances to the forest edge than far away. During the early revegetation, the formation of the soil seed bank in the mines seems to be related to their proximity to other disturbed areas, rather than their proximity to the adjacent forest or the cessation activity period of mines. Therefore, the establishment of artificial perches or the maintenance of isolated trees in the abandoned mines could favour the arrival of bird-dispersed seeds at mines. However, since the soil seed bank can be significantly affected by the high rainfall in the study area, more studies are needed to evaluate management actions to encourage soil seed bank formation in mines of high-rainfall environments in the Choc

  20. Some Considerations Regarding the European Banking Union

    Directory of Open Access Journals (Sweden)

    Marius Eugen Radu

    2016-09-01

    Full Text Available Union Bank is a surveillance system and an EU bank resolution, which operates on the basis of EU wide rules. It aims to ensure that the banking sector in the euro area and the EU in general is safe and reliable and viable banks benefiting from resolution without recourse to taxpayer funds and with minimal impact on the real economy. Banking union members are all euro-zone countries and EU Member States that have chosen to participate. All countries will adopt the euro in the future will automatically become members of the banking union. Countries that are not part of the euro area can join by establishing a close cooperation agreement.

  1. Aktjorõ filma "Georg" vpervõje sobralis vmestje

    Index Scriptorium Estoniae

    2006-01-01

    Vene näitlejanna Anastasia Makejeva ja eesti laulev näitleja Marko Matvere, kes mängivad Peeter Simmi töös olevas mängufilmis "Georg" Georg Otsa ja tema teist abikaasat Asta Otsa, alustavad homme filmivõtteid

  2. Gilbert ja George lasevad oma kunstiteose alla laadida

    Index Scriptorium Estoniae

    2007-01-01

    9.05.2007 öösel on kõigil soovijail võimalik tasuta interneti vahendusel omandada Londonis tegutseva kunstnikepaari Gilbert & George (Gilbert Proesch ja George Passmore) teos "Planed". Aadressid: www.bbc.co.uk/imagine ja www.guardian.co.uk/art

  3. George's secret key to the universe

    CERN Document Server

    Hawking, Lucy; Galfard, Christophe; Parsons, Gary

    2007-01-01

    In their bestselling book for young readers, noted physicist Stephen Hawking and his daughter, Lucy, provide a grand and funny adventure that explains fascinating information about our universe, including Dr. Hawking's latest ideas about black holes. It's the story of George, who's taken through the vastness of space by a scientist, his daughter, and their super-computer named Cosmos. George's Secret Key to the Universe was a New York Times bestseller and a selection of Al's Book Club on the Today show.

  4. 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...

  5. Georges Besse 2. A new era for enrichment

    International Nuclear Information System (INIS)

    2009-01-01

    Since 1978, AREVA group subsidiary EURODIF's Georges Besse plant has been using gaseous diffusion to enrich uranium and meet the requirements of electricity utilities. Georges Besse II plant, which will use far less electricity, will replace George Besse not so long. The Georges Besse II plant is located on the Tricastin nuclear site in southern France. AREVA ensure delivery of uranium enrichment services in accordance with customer expectations. AREVA obtained the right to use URENCO's centrifugation technology on July 3, 2006. This is the process to be used at Georges Besse II. The new uranium enrichment plant will comprise two enrichment units, with a total production capacity of 7.5 million separative work units, which can be extended to 11 million if needed. Each enrichment unit will include: a Centrifuge Assembly Building (CAB), a Centrifuge Utility Building (CUB) with offices and control room, annexes for purification, supply and extraction of uranium hexafluoride (UF 6 ), modules containing the halls that house the centrifuge cascades. The modular design of the Georges Besse II plant will allow production in the first cascade where as the others cascades are build. The first cascade should be operational in the first half of 2009. At an overall cost of 3 billion euros, this project is one of the largest investments of the decade in France On November 24, 2003, AREVA and URENCO signed an agreement under which AREVA would buy 50% of the shares in the Enrichment Technology Company (ETC), which designs and manufactures centrifuges

  6. The Net Stable Funding Ratio and banks� participation in monetary policy operations: some evidence for the euro area

    OpenAIRE

    Antonio Scalia; Sergio Longoni; Tiziana Rosolin

    2013-01-01

    Based on a review of the analytical underpinnings of the effects of the NSFR on banks� choices, this paper attempts to relate banks� strategies to developments in the value of the ratio in the euro area. In spite of a not-so-near implementation date, the evidence is that the NSFR already matters for banks� choices, and it might be more relevant as a decision variable than alternative leverage indicators. As part of a convergence process towards the 100 per cent threshold, we estimate th...

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

    Directory of Open Access Journals (Sweden)

    ALINA LIGIA DUMITRESCU

    2014-11-01

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

  8. Radioresistance of populations of bank voles Clethrionomys glareolus in radionuclide-contaminated areas

    International Nuclear Information System (INIS)

    Il'enko, A.I.; Krapivko, T.P.

    1994-01-01

    Contamination of extended territories with radionuclides renders the monitoring of natural populations in their habitats an important work to be done in order to determine the directions of evolution caused by long-term exposure to ionizing radiation. In view of this, many years of field and experimental radioecological studies were devoted to animal populations that inhabit the territories contaminated with 137 Cs after the Chernobyl Power Plant disaster. Special emphasis was placed on the investigation of the time course of radiosensitivity of mammalian populations over several generations as a general index of adaptive processes developing in an area with an elevated radiation background. The authors monitored the population of the European bank vole, a species known for its high spontaneous resistance to radiation. In optimal environmental conditions, it has LD 50/30 = 9.7 Gy. The reaction of bank vole populations to radioactive contamination of their environment primarily increases the rate of variation of sensitivity to ionizing radiation. This results in a continuous increase in the radioresistance of the populations to a certains table level. The findings suggest that adaptive processes occur in natural mammalian populations subjected to chronic ionizing irradiation

  9. Limb anomalies in DiGeorge and CHARGE syndromes

    Energy Technology Data Exchange (ETDEWEB)

    Prasad, C.; Quackenbush, E.J.; Whiteman, D.; Korf, B. [Harvard Medical School, Boston, MA (United States)

    1997-01-20

    Limb anomalies are not common in the DiGeorge or CHARGE syndromes. We describe limb anomalies in two children, one with DiGeorge and the other with CHARGE syndrome. Our first patient had a bifid left thumb, Tetralogy of Fallot, absent thymus, right facial palsy, and a reduced number of T-cells. A deletion of 22q11 was detected by fluorescence in situ hybridization (FISH). The second patient, with CHARGE syndrome, had asymmetric findings that included right fifth finger clinodactyly, camptodactyly, tibial hemimelia and dimpling, and severe club-foot. The expanded spectrum of the DiGeorge and CHARGE syndromes includes limb anomalies. 14 refs., 4 figs.

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

    DEFF Research Database (Denmark)

    Skowron, Lukasz; Kristensen, Kai

    2012-01-01

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

  11. An investigation on loyalty formation model in e-banking customers: A case study of banking industry

    OpenAIRE

    Mahmood Reza Esmaeili; Amir Hooshang Nazarpoori; Masumeh Najafi

    2013-01-01

    E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with...

  12. Georges Paillard 1932-2004 - French version only

    CERN Multimedia

    2004-01-01

    J'ai eu le plaisir de rencontrer Georges en juillet 1959 au groupe Magnet de la division PS au moment où le centième et dernier aimant venait d'être installé dans l'anneau. Le groupe commençait déjà à s'orienter vers de nouveaux projets et mon premier travail avec Georges consista dans des essais de tubes flash de puissance pour la future chambre à bulles. Ensuite, bien que travaillant dans des domaines différents, mais toujours dans les mêmes divisions, nous ne nous sommes jamais perdus de vue. J'ai rencontré Georges en janvier 1961 au laboratoire d'électronique de la division NPA. Georges avait déjà six ans de CERN : c'était un ancien. Au début, il y eut la chambre à « boules ». Le chef de la division NPA, M. Colin Ramm, australien, éprouvait une certaine difficulté à prononcer le « u » français et une machine classique de la physique nucléaire est devenue l'unique chambre à « boules » jamais construite. Chambre qui connut son heure de gloire puisqu'elle enreg...

  13. Moving towards first science with the St. George recoil separator

    Science.gov (United States)

    Meisel, Zachary; Berg, G. P. A.; Gilardy, G.; Moran, M.; Schmitt, J.; Seymour, C.; Stech, E.; Couder, M.

    2015-10-01

    The St. George recoil mass separator has recently been coupled to the 5MV St. Ana accelerator at the University of Notre Dame's Nuclear Science Lab. St. George is a unique tool designed to measure radiative alpha-capture reactions for nuclei up to A = 40 in inverse kinematics in order to directly obtain cross sections required for astrophysical models of stellar and explosive helium burning. Commissioning of St. George is presently taking place with primary beams of hydrogen, helium, and oxygen. In this presentation, results will be shown for the measured energy acceptance of St. George, which compare favorably to COSY results when employing the calculated optimal ion-optical settings. Additionally, future plans will be discussed, such as assessing the angular acceptance of St. George and the re-integration of HiPPO at the separator target position to provide a dense, windowless helium gas-jet target. The material presented in this work is partially supported by the National Science Foundation Grant No. 1419765.

  14. A Post-Modern George.

    Science.gov (United States)

    Hunter, Robert S.

    2000-01-01

    Presents an art project in which students create postmodern portraits of George Washington in the style of Andy Warhol's pop-art portraits. Each portrait incorporates a fact and six symbols associated with Washington. Describes the project in detail and lists the materials and project objectives. (CMK)

  15. 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

  16. 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

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

    Directory of Open Access Journals (Sweden)

    Ihsan Isik

    2016-04-01

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

  18. CSR Actions in Companies and Perception of Their Reputation by Managers: Analysis in the Rural Area of an Emerging Country in the Banking Sector

    Directory of Open Access Journals (Sweden)

    Jesús Ángel Del Brío

    2018-03-01

    Full Text Available This paper tests, from a managerial point of view, the influence of Corporate Social Responsibility (CSR actions directed towards health and environmental matters over the perception of a company’s reputation. The literature review suggests an absence of this kind of study focused on the banking sector of developing countries. CSR activities oriented to health and subsistence in the rural areas of emerging countries are proved to hold a positive influence on the perception of managers of the banking sector of corporate reputation. On the other hand, it has not been possible to validate whether CSR activities oriented to environmental issues (or infrastructure in rural areas will positively influence the perception of Peruvian banking sector managers of corporate reputation. The outcomes mentioned seem plausible due to health and subsistence being undoubtedly the most valued factors among people living in rural areas, where there are the most development deficiencies. This work contributes by empirically analyzing a relationship barely addressed in the field of business administration: the influence of CSR and corporate reputation. Furthermore, the authors take the analysis to a context unexplored by previous researchers, applying the concepts to the banking sector of an emerging country.

  19. Nutritional advice from George Orwell

    DEFF Research Database (Denmark)

    Larsen, Morten Hedegaard

    2015-01-01

    is historical descriptions (in the form of excerpts) from George Orwell's 1937 book “The Road to Wigan Pier” on the living conditions of the British working classes. These descriptions will be aligned with results from contemporary research into nutritional behaviour. Strong similarities are identified between...... George Orwell's historical descriptions of the working-class's unhealthy diet and the findings from contemporary research into nutritional behaviour of people with a low socio-economic status. The article, on this basis, argues that certain social mechanisms influencing nutritional choices are readily...... identifiable across disciplines, and even partly reproduced in different historical, social and spatial contexts, with stronger negative (ill health) consequences for people with low socio-economic status especially. Finally the article discusses how social mechanisms affecting our nutritional choices could...

  20. Georg Cantor: habitar lo eterno

    OpenAIRE

    Penagos, Juan Manuel Rodríguez

    2002-01-01

    Este artículo pone en discusión la relación entre estructura psíquica y la producción lógica del delirio; para ello, parte de un matemático alemán llamado Georg Cantor. Aquí se discute la relación entre la producción matemática y la instalación de su psicosis. Este artigo coloca em discussão a relação entre estrutura psíquica e a produção lógica do delírio, partindo de um matemático alemão chamado Georg Cantor. Discutese ainda a relação entre a produção matemática e a instalação de sua psi...

  1. Dodson, Prof. George Guy

    Indian Academy of Sciences (India)

    Home; Fellowship. Fellow Profile. Elected: 2003 Honorary. Dodson, Prof. George Guy FRS. Date of birth: 13 January 1937. Date of death: 24 December 2012. Last known address: Division of Protein Structure, National Institute for Medical, Research, Mill Hill, London NW7 1AA, U.K.. YouTube; Twitter; Facebook; Blog ...

  2. RETAIL BANKING BUSINESS: CURRENT STATE ANDSPECIFIC FEATURES

    Directory of Open Access Journals (Sweden)

    Гузель Рефкадовна Фаизова

    2013-04-01

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

  3. 78 FR 13326 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2013-02-27

    ... for specific research areas, and (3) boundaries for Eastern Maine and Georges Bank DHRAs. Regarding... meeting is physically accessible to people with disabilities. Requests for sign language interpretation or...

  4. HUBUNGAN ANTARA PSYCHOLOGICAL CAPITAL DENGAN WORK ENGAGEMENT PADA KARYAWAN PT. BANK MEGA REGIONAL AREA SEMARANG

    Directory of Open Access Journals (Sweden)

    Dwi Ari Setyo Nugroho

    2015-07-01

    Full Text Available This study aimed to assess the relationship between psychological capital with work engagement employees of PT. Bank Mega Regional Area Semarang. Psychological capital is an individual’s positive psychological state of development and is characterized by self- efficacy, optimism, hope and resiliency. Then, work engagement is defined as a positive, fulfilling, work-related state of mind that is characterized by vigor, dedication, and absorption. This study used proportional sampling technique. The subjects were all employees of PT. Bank Mega Regional Area Semarang which have staff levels (N=73. The research instrument was psychological capital scales with 28 items (α = 0.953 and work engagement scales with 29 items (α = 0.938. The results by simple regression analysis obtained rxy = 0.716, with p value = 0.000 (p <0.05. The results indicated that there was a positive correlation between psychological capital and work engagement. The higher psychological capital was higher work engagement. Coefficient of determination by 51,3, it meaning that psychological capital effectively contributed for 51,3 % of work engagement. The remaining 48,7 % determined by other factors that are not revealed in this study, for example: job resources and job demands. Keywords: Psychological capital, work engagement, employee

  5. George Sandi "Consuelo" / Ott Ojamaa

    Index Scriptorium Estoniae

    Ojamaa, Ott, 1926-1996

    2010-01-01

    Arvustus: Sand, George, pseud. Consuelo. 1-2. : romaan / [prantsuse keelest tõlkinud Leili-Maria Kask järelsõna ja märkused: Ott Ojamaa]. Tallinn : Eesti Riiklik Kirjastus, 1961. (Suuri sõnameistreid). 2. tr. ilmus 1988. a.

  6. 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.

  7. George Sigerson: Charcot's translator.

    Science.gov (United States)

    Lyons, J B

    1997-04-01

    Senator George Sigerson (1836-1925), Dublin's first neurologist, was also a significant contributor to Anglo-Irish literature. His medical career and literary accomplishments are outlined, the focus of the article being Sigerson's friendly relationship with Charcot (with whom he corresponded), and whose Leçons sur les maladies du système nerveux he translated.

  8. Who Framed George Lakoff?

    Science.gov (United States)

    Goldstein, Evan R.

    2008-01-01

    In this article, a noted linguist reflects on his tumultuous foray into politics. For years George P. Lakoff has been at the center of some of the biggest intellectual disagreements in linguistics (most famously with Noam Chomsky) and has helped create an important interdisciplinary field of study, cognitive linguistics, that is reshaping people's…

  9. Series, Prof. George William

    Indian Academy of Sciences (India)

    Home; Fellowship. Fellow Profile. Elected: 1984 Honorary. Series, Prof. George William. Date of birth: 22 February 1920. Date of death: 2 January 1995. YouTube; Twitter; Facebook; Blog. Academy News. IAS Logo. 29th Mid-year meeting. Posted on 19 January 2018. The 29th Mid-year meeting of the Academy will be held ...

  10. 77 FR 1716 - James River National Wildlife Refuge, Prince George County, VA

    Science.gov (United States)

    2012-01-11

    ... River National Wildlife Refuge, Prince George County, VA AGENCY: Fish and Wildlife Service, Interior... (the refuge, NWR), which is located in Prince George County, Virginia. We provide this notice in... River NWR, in Prince George County, Virginia. This notice complies with our CCP policy to advise other...

  11. George and the blue moon

    CERN Document Server

    Hawking, Lucy

    2016-01-01

    George and his best friend, Annie have been selected as junior astronauts - part of a programme that trains up young people for a trip to Mars in the future. This is everything they've ever wanted - they get to be a part of up-to-the minute space discoveries and meet a bunch of new friends who are as fascinated by the universe as they are. But when they arrive at space camp, George and Annie quickly learn that strange things are happening - on Earth as well as up in our skies. Mysterious space missions are happening in secret, and the astronaut training they're undertaking gets scarier and scarier . . . The fifth adventure in this series by Lucy and Stephen Hawking - also containing up-to-the-minute scientific facts and information by the world's leading scientists.

  12. 75 FR 6396 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-09

    ...., both of George Town, Cayman Islands; Capital Z Partners Management, LLC, Dover, Delaware; Capital Z Partners III, L.P., George Town, Cayman Islands; and Bradley E. Cooper, and Robert A. Spass, both of New...

  13. Family Life and Human Development (Sex Education): The Prince George's County Public Schools Experience.

    Science.gov (United States)

    Schaffer, Michael J.

    1981-01-01

    The Prince George's County schools' sex education program for grades K-12 was developed and implemented in the late 1960s and has three focus areas: family life and interpersonal relationships; the physiological and personality changes during puberty; and advanced physiology and psychology of human sexual behavior. The program augments what the…

  14. Georges et les trésors du cosmos

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2011-01-01

    Les voisins excentriques de Georges, Annie et Eric, ont déménagé en Floride à l'agence Spatiale Globale. Là-bas, Eric s'occupe de son nouveau robot, Homer, qui doit détécter les signes de vie sur Mars. Mais bientôt, Georges reçoit un e-mail : Annie lui demande de la rejoindre au plus vite pour une " mission cosmique " secrète. La jeune fille est persuadée qu'il se passe de drôles de choses sur Mars, car Homer vient de recevoir un message extraterrestre ! Georges et Anne (avec l'aide d'Emmett, un petit garçon bizarre) décident de réparer Cosmos, leur super-ordinateur, et d'aller voir par eux-mêmes... Emmaillotés dans des combinaisons spéciales, ils se lancent alors dans une fabuleuse chasse aux trésors sur Mars, sur les lunes de Saturne, puis sur Titan, avant de se perdre en orbite autour d'Alpha Centauri B... Mais avant de pouvoir élucider le mystère du message extraterrestre, Georges et Annie devront se livrer à une bataille spatiale acharnée qui mettra leur vie en danger, ainsi que ce...

  15. Essays in Banking and Corporate Finance

    NARCIS (Netherlands)

    T. Wang (Teng)

    2015-01-01

    markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how

  16. George Mikenberg honoured by the Sharing Knowledge Foundation

    CERN Multimedia

    CERN Bulletin

    2016-01-01

    The Sharing Knowledge Foundation Prize was presented to the ATLAS physicist at a ceremony on 18 March.   ATLAS physicist George Mikenberg receives the Sharing Knowledge Foundation Prize. From left to right: Peter Jenni, former ATLAS Spokesperson, Rolf Heuer, former CERN Director-General, Frédérick Bordry, CERN Director for Accelerators and Technology, George Mikenberg, Patrick Fassnacht, CERN International Relations sector, Eliane Jacot-Des-Combes Mikenberg, Herwig Schopper, former CERN Director-General, Constantin Lanaras, treasurer of the Sharing Knowledge Foundation, Robert Klapisch, President of the Sharing Knowledge Foundation, Federico Saldana, logistical support, Catherine Cesarsky, Vice-President of the CERN Council, Eliezer Rabinovici, Vice-President of the CERN Council and of SESAME. (Image: Sophia Bennett/CERN) The Sharing Knowledge Foundation awarded its 2016 prize to George Mikenberg, a member of the LHC's ATLAS experiment who has been...

  17. Surface energy balance and turbulence measurements on Warszawa Icefield, King George Island, West Antarctica

    Science.gov (United States)

    Falk, U.; Sala, H.; Braun, M.

    2012-12-01

    The Antarctic Peninsula is amongst the fastest warming places on Earth and further temperature increase is to be expected. It has undergone rapid environmental changes in the past decades. Exceptional rates of surface air temperature increases (2.5K in 50 years) are concurrent with retreating glacier fronts, an increase in melt areas, surface lowering and rapid retreat of glaciers, break-up and disintegration of ice shelves. The South Shetland Islands are located on the northern tip of the Antarctic Peninsula and are especially vulnerable to climate change due to their maritime climate. For King George Island we have compiled a unique data set comprising direct measurements of evaporation and sensible heat flux by eddy covariance on the Warszawa Icefield over 1.5 years from November 2010 to 2012 in combination with a fully equipped automated weather station measuring long- and short-wave radiation components, profiles of temperature, humidity and wind velocities as well as glacier ice temperatures. The combination with the eddy covariance data allows for analysis of variability and seasonality of surface energy balance components on a glacier for one and a half years. Repeat measurements of snow accumulation and surface lowering along transects on the glacier and at different locations on King George Island are used for analysis of multi-sensor satellite data to identify melt patterns and bare ice areas during summer within the source area of the ground measurements. In combination with long-term time series of weather data, these data give indication of the sensitivity of the ice cap to the ongoing changes. This research is part of the ESF project IMCOAST funded by BMBF. Field work was carried out at the Dallmann laboratory (Carlini station, King George Island/Isla 25 de Mayo) in cooperation of the Instituto Antartico Argentino (Argentina) and the Alfred-Wegener Institute of Marine and Polar Research (Germany).

  18. 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...

  19. Analyzing Leadership Style and Employee Performance (Study at PT. Bank Mandiri Area Manado (Persero) Tbk.)

    OpenAIRE

    Karisoh, Gabriel Dave Janma

    2016-01-01

    : In this global era, every organization seeking to improve the quality of work of employees in order to generate productive employee. Employees play a major role in running the organization. Therefore, their productivity must be increased in order be well performed. This study aims to determine the influence of leadership style and employee performance. In this study, population where is drawn for employees of Bank Mandiri Area Manado, Data was conducted by interviews with 15 respondents. Th...

  20. Fishing activities on the Dogger Bank 2006-2011

    NARCIS (Netherlands)

    Bartelings, H.; Hamon, K.G.; Oostenbrugge, van J.A.E.

    2013-01-01

    In 2008, the Minister of Agriculture, Nature and Food Quality notified four proposed Sites of Community In-terest (pSCIs) to the European Commission (for protection as Special Conservation Areas (SCAs) under the Habitats Directive). These areas are the Dogger Bank, Cleaver Bank, the Coastal Zone and

  1. The Internet and the Banks' Strategic Distribution Channel Decisions.

    Science.gov (United States)

    Mols, Niels Peter

    1998-01-01

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

  2. Georges Didi-Huberman, Images malgré tout

    OpenAIRE

    Shafto, Sally

    2008-01-01

    « Pour savoir, il faut s’imaginer. »Georges Didi-Huberman Avec son dernier livre, Images malgré tout, l’historien de l’art et philosophe Georges Didi-Huberman nous livre un texte élégamment écrit et divisé en trois mouvements. Il y a d’abord une réimpression de son article, paru auparavant dans le catalogue, Mémoires des camps. Photographies des camps de concentration et d’extermination nazis 1933-1999. Il s’agit d’une lecture phénoménologique de quatre photographies, prises à Auschwitz en ao...

  3. Johann Georg Eisen / Indrek Jürjo

    Index Scriptorium Estoniae

    Jürjo, Indrek, 1956-2009

    1999-01-01

    Rets. rmt.: Johann Georg Eisen (1717-1779). Ausgewählte Schriften. Deutsche Volksaufklärung und Leibeigenschaft im Russischen Reich. Hrsg. von Roger Bartlett und Erich Donnert. Marburg : IHerder-Institut, 1998

  4. 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

  5. The Prognosis of Influence of The Oder River Waters Dammed by Malczyce Barrage on Left Bank Areas

    Directory of Open Access Journals (Sweden)

    Chalfen Mieczysław

    2014-07-01

    Full Text Available The finalisation of the construction of the Malczyce barrage is planned for 2015. Damming of the river will cause a change in the water and ground conditions in the adjoining areas. The paper analyses the influence of the water level in the Oder River dammed by the barrage on groundwater table level in the left bank valley.

  6. Bart's familiar quotations: the enduring biological wisdom of George A. Bartholomew.

    Science.gov (United States)

    Huey, Raymond B; Bennett, Albert F

    2008-01-01

    George A. Bartholomew was one of the most influential organismal biologists of the twentieth century. His insights and research were fundamental to the establishment and growth of physiological ecology and evolutionary physiology. In the process of fostering that area of science, he created a body of literature that is striking in the clarity of its thought and presentation. Here we present some of his most insightful and important quotations, group them thematically, and comment on their original context and their continuing relevance.

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

    Directory of Open Access Journals (Sweden)

    Edirin Jeroh

    2015-10-01

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

  8. 75 FR 21243 - Marine Mammals; Subsistence Taking of Northern Fur Seals; St. George

    Science.gov (United States)

    2010-04-23

    ... Mammals; Subsistence Taking of Northern Fur Seals; St. George AGENCY: National Marine Fisheries Service... (APA). The Pribilof Island Community of St. George Island, Traditional Council (Council) petitioned... St. George Island to take male fur seal young of the year during the fall. NMFS solicits public...

  9. George de Hevesy

    International Nuclear Information System (INIS)

    Levi, H.

    1985-01-01

    George de Hevesy (1875-1966) worked with Rutherford in Manchester in the early 1900's and with Niels Bohr in Denmark after the first world war. With Coster he discovered an unknown element, later named Hafrivm. In the 1930's he moved to Copenhagen and developed radiotracer techniques using the new artificially produced radioisotopes. This work found wide application in medicine and biology and other branches of science and technology and for his pioneer work de Hevesy was awarded a Nobel Prize in 1944. (UK)

  10. Bank customers’ satisfaction, customers’ loyalty and additional purchases of banking products and services. A case study from the Czech Republic

    OpenAIRE

    Chochoľáková, Anna; Gabčová, Lenka; Belás, Jaroslav; Sipko, Juraj

    2015-01-01

    The aim of this article was to examine and quantify 1) the dependence of additional purchases of banking products from customer loyalty and 2) dependence of bank clients’ loyalty from their satisfaction with the bank’s customer service. The respondents from our research in 2014 were divided into satisfied (loyal) and dissatisfied (disloyal) banking clients. Their attitudes in the area of loyalty and additional purchases of banking products were compared. Differences in attitudes were examined...

  11. 12 CFR 228.41 - Assessment area delineation.

    Science.gov (United States)

    2010-01-01

    ... does not evaluate the bank's delineation of its assessment area(s) as a separate performance criterion..., such as those consumer loans on which the bank elects to have its performance assessed). (d... area(s) delineated by a bank in its evaluation of the bank's CRA performance unless the Board...

  12. 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.

  13. 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...

  14. 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

  15. Obituary: George Hamilton Bowen Jr. (1925-2009)

    Science.gov (United States)

    Willson, Lee Anne; Struck, Curtis

    2011-12-01

    Our colleague and collaborator George Hamilton Bowen, Jr., passed away November 1, 2009 in Ames, Iowa. George was born June 20, 1925 in Tulsa, Oklahoma to George and Dorothy (Huntington) Bowen. He married Marjorie Brown June 19, 1948 in Redondo Beach, California; they had five children, with eight grandchildren and five great-grandchildren at the time of his death. George H. Bowen's third or perhaps his fourth career was in astronomy. He was drafted into the navy in 1944, at the end of his first year as a student at Caltech, and ended his war-time service as an electronic technician on the aircraft carrier Shangri-La. He later said "In just nine months, starting from scratch (Ohm's law!), we learned an amazing amount - not by memorization, of course, but by study and real understanding of the basic function of the most advanced AC circuits then being used for instrumentation, measurements, communications, control systems, and much more." He gained a confidence that he could quickly and accurately diagnose and solve technical problems that stood him well in future work. One accomplishment he took particular pride in was figuring out how the radar control used cams and gears to solve the trigonometry for accurate pointing. He also described how the captain was alarmed when weather conditions changed so that refraction no longer showed them distant, small boats around the curvature of Earth. After the war, George Bowen returned to undergraduate and eventually graduate study at Caltech, where he was recruited to the biophysics research group headed by future Nobel Laureate Max Delbrück. George often described his joy in working with these first-rate scientists and finding himself accepted as a part of the effort. He finished his BS with honors in 1949 and his PhD in 1953 with a thesis on "Kinetic Studies on the Mechanism of Photoreactivation of Bacteriophase T2 Inactivated by Ultraviolet Light" involving work with E Coli. This work was supported by grants from the U

  16. George Hoyt Whipple and the Impact of Liver on Anemia

    Science.gov (United States)

    dropdown arrow Site Map A-Z Index Menu Synopsis George Hoyt Whipple and the Impact of Liver on Anemia cases of anemia". George Hoyt Whipple Courtesy of University of Rochester Medical Center Whipple's main research was concerned with anemia and with the physiology and pathology of the liver. He won the

  17. 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...

  18. George Sand: últimas novelas, últimos ensueños...

    Directory of Open Access Journals (Sweden)

    Àngels Santa

    2014-04-01

    Full Text Available A propósito de la obra de George Sand, Œuvres complètes.Sous la direction de Béatrice Didier. 1870, I :Malgrétout. Édition critique par Dominique Laporte (París, Honoré Champion, 2013, 247 p. ISBN : 9782745322968 y de George Sand, Œuvres complètes.Sous la direction de Béatrice Didier. 1876 :La Tour de Percemont. Édition critique par Dominique Laporte (París, Honoré Champion, 2013, 247 p. ISBN : 9782745322951.

  19. 12 CFR 345.41 - Assessment area delineation.

    Science.gov (United States)

    2010-01-01

    ... the bank's delineation of its assessment area(s) as a separate performance criterion, but the FDIC..., such as those consumer loans on which the bank elects to have its performance assessed). (d... area(s) delineated by a bank in its evaluation of the bank's CRA performance unless the FDIC determines...

  20. 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

  1. 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...

  2. WATER TEMPERATURE and Other Data from NOAA Ship DELAWARE II and Other Platforms From NW Atlantic (limit-40 W) and Others from 1978-09-20 to 1982-12-20 (NODC Accession 8900136)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — This data set contains chlorophyll and phaeophytin measurements made in the Georges Bank, Gulf of Maine, and middle Atlantic Shelf areas between 1978-1982. The data...

  3. Winter Bottom Trawl Survey

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The standardized NEFSC Winter Bottom Trawl Survey was initiated in 1992 and covered offshore areas from the Mid-Atlantic to Georges Bank. Inshore strata were covered...

  4. 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

  5. Can banks offer digital keys for health care?

    Science.gov (United States)

    Casillas, John

    2013-01-01

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

  6. George Morrison: Anishinaabe Expressionist Artist

    Science.gov (United States)

    Vizenor, Gerald

    2006-01-01

    In this article, the author discusses the life and works of an Anishinaabe expressionist artist George Morrison. Morrison was an eminent expressionist painter with a singular romantic vision and an erudite sense of natural reason and liberty. He created an elusive shimmer of "endless space," the color and eternal motion of nature. The…

  7. 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

  8. The Georg Jensen and Alessi Design

    DEFF Research Database (Denmark)

    Tanderup, Sisse

    2009-01-01

    in the design process. Alessi's motivation for involving the concept of memory is that it adds a cultural dimension to the design objects, enabling the objects to make an identity-forming impact. Compared to this, Danish and Scandinavian design practice has traditionally focused on form and function......  The Georg Jensen and Alessi Design A comparative analysis focusing on the use of memory   The dimension of memory has become a central theme within several fields of research, including architecture, philosophy, psychology and medicine. However, memory has not yet been explored more substantially...... as an independent identity category in design research. This article deals with the use of the memory theme in design examples from the two companies Georg Jensen and Alessi. Italian design practice is characterized by a tradition of involving memory categories from Italian history, philosophy, art and tradition...

  9. Do Cooperative Banks Really Serve Agricultural Sector in Poland?

    OpenAIRE

    Zawojska, Aldona; Siudek, Tomasz

    2005-01-01

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

  10. Social Banking in Practice: an Italian Case for Corporate Social Responsibility in Banking

    OpenAIRE

    Lamandini, Marco; Steiner, Ilan

    2007-01-01

    The paper introduces an important development in the area of corporate social responsibility in the banking sector, which has recently been accomplished in Italy. A new Italian bank (“Prossima s.p.a.”), incorporated in May 2007, articulates in its articles of association a number of innovative legal provisions that underscore its socially responsible features. To this end, deviation from profit maximization as a single corporate objective and formation of a designated organ (Committee) to gui...

  11. Atlantic Surfclam and Ocean Quahog Survey

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The standardized NEFSC Atlantic Surfclam and Ocean Quahog Survey has covered an area from Cape Hatteras to Georges Bank. The survey was conducted every two or three...

  12. Financial and economic approach: Financial & banking sector development pact from the perspective of the euro area European economic policy

    Directory of Open Access Journals (Sweden)

    Theodoropoulos Theodore E.

    2004-01-01

    Full Text Available Powerful obstacles to the further integration of repot, bond and equity markets remain the still fragmented securities settlement industry in Europe, which charges much higher fees for cross border transactions than for domestic transactions, and differences in legal systems. This paper describes the main developments in the euro area financial markets before and after the introduction of the single currency. It looks at the evolution of the euro area financial structure in the last few years. Interestingly in various dimensions the financial structure of euro area countries seems to become more diverse over time. We assess the progress towards financial integration in the most important euro-area financial segments, namely money and equity markets, as well as banking. The available data suggest that the unsecured money market strongly integrated with the introduction of the euro, as the single currency and related euro-area-wide large-value payment systems link the different countries well. Also, some progress occurred in the integration of euro-area equity markets, as stock exchanges in a few countries merged to form Euronext and professional asset managers replaced country allocation by sector allocation strategies. Overall, while asset holdings have become more international in the euro area since the introduction of the single currency, securities markets are still much less integrated than in the US. In the area of retail banking the increased homogeneity of interest rates seems to be driven more by macroeconomic convergence than by market integration. In addition we consider a wide range of other determinants, such as foreign debt or net foreign assets, terms of trade, government debt and regulated prices.

  13. Master Mentors: Linda Golian-Lui University of Hawaii-Hilo--George Oberle George Mason University, VA

    Science.gov (United States)

    Library Journal, 2005

    2005-01-01

    Many movers and shakers inspire admiration and even awe, but those who inspire love are the mentors who have changed lives. That is why many grateful librarians nominated Linda Golian-Lui and George Oberle. Both of them were accidental librarians, work-study students whose supervisors encouraged them to become paraprofessionals, and then…

  14. Pattern Analysis On Banking Dataset

    Directory of Open Access Journals (Sweden)

    Amritpal Singh

    2015-06-01

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

  15. 77 FR 51521 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2012-08-24

    ..., Georges Bank yellowtail flounder, witch flounder, plaice, and Georges Bank/Gulf of Maine white hake... meeting is physically accessible to people with disabilities. Requests for sign language interpretation or...

  16. 75 FR 21189 - Magnuson-Stevens Fishery Conservation and Management Act Provisions; Fisheries of the...

    Science.gov (United States)

    2010-04-23

    ..../Canada Management Area AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric... announces a temporary closure of the Eastern U.S./Canada Area to limited access Northeast (NE) multispecies days-at-sea (DAS) vessels and a prohibition on the harvest, possession, and landing of Georges Bank (GB...

  17. 78 FR 54868 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2013-09-06

    ..., spawning areas and/or dedicated habitat research areas. Prior to a lunch break, the Council will receive an... plaice rebuilding plans, and small-mesh accountability measures (AMs) for the Georges Bank yellowtail... will be addressed. After a lunch break, the Scallop Committee will update the Council on the...

  18. BANKING MODELS TO DETERMINE THE CREDITWORTHINESS

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2013-11-01

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

  19. Sea Scallop Survey

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The standardized NEFSC Sea Scallop Survey began in 1980 and has covered an area from Cape Hatteras to Georges Bank. The survey aims to determine the distribution and...

  20. 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.

  1. Knowledge Banking in Global Education Policy: A Bibliometric Analysis of World Bank Publications on Public-Private Partnerships

    Science.gov (United States)

    Menashy, Francine; Read, Robyn

    2016-01-01

    As a leading mobilizer of international development and educational knowledge, the World Bank has been critiqued in two key areas: (1) the dominance of economic thinking in its policies, and (2) its Northern-generated knowledge which informs its work in the Global South. In this paper, we investigate the disciplinary foundation of Bank knowledge,…

  2. 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

  3. Kdo byl Georg Placzek (1905-1955)

    Czech Academy of Sciences Publication Activity Database

    Gottvald, Aleš

    2005-01-01

    Roč. 55, č. 3 (2005), s. 275-287 ISSN 0009-0700 Institutional research plan: CEZ:AV0Z20650511 Keywords : Georg Placzek * the oretical physics * history of physics * nuclear physics * Manhattan project * spectroscopy Subject RIV: BG - Nuclear, Atomic and Molecular Physics, Colliders

  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. Financial Service of Wealth Management Banking: Balanced Scorecard Approach

    OpenAIRE

    Cheng-Ru Wu; Chin-Tsai Lin; Pei-Hsuan Tsai

    2008-01-01

    Problem Statement: There are four main banking business sectors in Taiwan, involving the areas of consumer, corporate, wealth management, and investment banking. The wealth management banking sector is actively promoted for reaping a risk-free premium. In the proposed model, the dimensions of financial services for wealth management banks have been taken from four perspectives derived from balanced scorecard approach, viz. finance, customer, internal business, learning and growth. Approach: T...

  6. Haldusreformist üldiselt / Georg Sootla, Kersten Kattai

    Index Scriptorium Estoniae

    Sootla, Georg, 1954-

    2016-01-01

    Haldusreformi ning Pärnu linna ja Are, Audru, Paikuse ja Tõstamaa valla ühinemise kohta jagavad selgitusi ühinemise konsultandid, Tallinna Ülikooli professor Georg Sootla ja lektor Kersten Kattai

  7. Submarine glacial landforms on the Bay of Fundy–northern Gulf of Maine continental shelf

    Science.gov (United States)

    Todd, B.J.; Shaw, J.; Valentine, Page C.

    2016-01-01

    The Bay of Fundy–northern Gulf of Maine region surrounds the southern part of Nova Scotia, encompassing, from west to east, the Bay of Fundy, Grand Manan Basin, German Bank, Browns Bank, Northeast Channel and northeastern Georges Bank (Fig. 1a, b). During the last glacial maximum (c. 24–20 14C ka BP), the SE margin of the Laurentide Ice Sheet (LIS) occupied the study area, the rest of the Gulf of Maine and the continental Scotian Shelf off Atlantic Canada (see Dyke et al. 2002, fig. 1; Shaw et al. 2006, fig. 8; Hundert & Piper 2008, fig. 16). Early mapping of the glaciated region on the Scotian Shelf using side-scan sonar imagery and seismic-reflection profiles revealed topographic features interpreted to be recessional moraines indicative of retreat of the LIS (King et al. 1972; King 1996). Subsequently, multibeam sonar seafloor mapping of local-scale glacial landforms on the inner Scotian Shelf off Halifax, Nova Scotia (Fig. 1b) provided further information on the dynamics of the advance and retreat of the ice sheet (Loncarevic et al.1994). Interpretation of seismic-reflection profiles across Georges Bank revealed that the surficial sediment is a veneer of glacial debris transported to Georges Bank by the LIS during the late Pleistocene from continental areas to the north (Shepard et al. 1934; Knott & Hoskins 1968; Schlee 1973; Twichell et al. 1987; Fader et al. 1988). Recent high-resolution multibeam sonar surveys of German Bank and the Bay of Fundy mapped a complex of ice-advance and ice-retreat features attributed to the activity of the LIS (Todd et al. 2007; Todd & Shaw 2012).

  8. Moessbauer Study of Sedimentary Rocks from King George Island, Antarctica

    International Nuclear Information System (INIS)

    Kuzmann, E.; Souza, P. A. de; Schuch, L. A.; Oliveira, A. C. de; Garg, R.; Garg, V. K.

    2002-01-01

    The separation of continents at the periphery of Antarctica occurred about 180 ma ago due to volcanic activity. Geological faults can be very important in the study of geological occurrences. Such geological faults occur across the Admiralty Bay, King George Island, and have been studied in detail previously. Controversial statements were given in earlier works, based on conventional geological investigations, as to whether altered 'Jurassic' and unaltered Tertiary rocks were separated by a major fault which goes across the Admiralty Bay, or whether there is no difference in the alteration of the rocks located at either side of the fault. The aim of our work is to investigate rock samples from the Admiralty Bay of King George Island, Antarctica, from different locations on both sides of the geological fault. For these investigations 57 Fe Moessbauer spectroscopy and X-ray diffractometry were used. We have found that the phase composition, and the iron distribution among the crystallographic sites of iron-bearing minerals, are characteristic of the location of the rock samples from the Admiralty Bay of King George Island. There is a much higher amount of iron oxides in the rocks from the south part of the geological fault than in the north part. The differences in the mineral composition and iron distribution showed that the rocks in the southern part of the geological fault of King George Island are significantly altered compared to the rocks in the northern part. Our present results support and complement well the results obtained earlier on soils from King George Island.

  9. 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.

  10. Analyzing Street Art to Present the Heritage of George Town, Malaysia

    Directory of Open Access Journals (Sweden)

    Seyedehelham Sadatiseyedmahalleh

    2015-08-01

    Full Text Available Street art comprises all kinds of art developed in public locations. This form of art has spread to all heritage streets in George Town, the capital of Penang Island, which is also a known UNESCO World Heritage Site. However, instead of its heritage, food, and interesting past life and structure, the rapid multiplication of street art in George Town has created a new and unusual art that attracts tourists. Street art has spread to small roads and heritage streets in the city. This art increases the awareness of spectators by introducing them to the rich history of these streets and inducing a lively concept in the inner city of George Town. Accordingly, the impact of iron rod sculptures and murals, which comprises approximately 90% of street art in George Town, were determined to explore and identify the effects of this street art on this world heritage site. The findings were obtained from 263 out of 306 questionnaires accomplished by tourists in George Town. The results confirm that tourists prefer murals over iron rod sculptures. Iron rod sculptures are designed to tell the history of the street, whereas murals are designed to create aesthetic value. The findings indicated that similar to iron rod sculptures, more control should be exercised on the subjects of murals.

  11. 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

  12. 75 FR 59154 - Fisheries of the Northeastern United States; Northeast Multispecies Fishery; Trip Limit...

    Science.gov (United States)

    2010-09-27

    ... (453.6 kg) per trip, Georges Bank (GB) yellowtail flounder to 100 lb (45.4 kg) per trip, and white hake... the U.S./Canada Management Area to include the entire Western U.S./Canada Area; and authorizes the use of the rope separator trawl in the Western U.S./Canada Area for NE multispecies vessels fishing in...

  13. DATA MINING. CONCEPTS AND APPLICATIONS IN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    ADRIAN IONUT PASCU

    2018-02-01

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

  14. 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…

  15. 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.

  16. Study the Customers’ Perception towards Banking Services: A Research Report on Indian Public Sector Banks

    Directory of Open Access Journals (Sweden)

    Shailesh Limbad

    2013-10-01

    Full Text Available The aim of this study is to measure the customer satisfaction and to identify the shortfall areas for improving the services of public banking sector. For this research paper past research survey were studied. The main concept is measuring customer satisfaction by customer satisfaction index method. All the factors related to banks were taken by personal interview with the banks’ manager which influences customer satisfaction. To collect the information non-probability sampling method is used. 100 services users of two different banks in bardoli region were contacted with face-to-face personal interview method through questionnaire. “Customer Satisfaction Index” method was used to measure the customer satisfaction. The study represents the result of a survey among the customers in the bardoli region of two public sector banks. Study proved that the STATE BANKS OF INDIA’S customers are more satisfied (82.55> 81.79 than BANK OF INDIA’S customers. There were parameters are found out which are more important to increasing the satisfaction rate. The results of this study provide very important information in formulating competitive marketing strategies. It shows the critical points where the limited resources of the banks should be allocated to improve satisfaction and loyalty and provides information about the weaknesses and strengths of the banks from the eyes of its customers. With getting the valuable information and found out the reason of dissatisfaction these banks can put more efforts to improving the standards of services and make the customers more satisfied.

  17. 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...

  18. An Investigation of Benefits Affecting SOA Adoption in e-Banking

    OpenAIRE

    Basias, Nikolaos; Marinos, Themistocleous; Morabito, Vincenzo

    2014-01-01

    Banking is a leading industry in the development of e-business and e-banking grows rapidly due to the numerous potential benefits associated with it. E-banking brings up unique types of challenges and requires innovative integration solutions as Service Oriented Architecture (SOA). Integration is one of the most important challenges for e-banking success and many issues related to this area remain unexplored. In addressing integration issues, SOA has emerged and adopted by many banks. Neverth...

  19. Coral reefs and the World Bank.

    Science.gov (United States)

    Hatziolos, M

    1997-01-01

    The World Bank¿s involvement in coral reef conservation is part of a larger effort to promote the sound management of coastal and marine resources. This involves three major thrusts: partnerships, investments, networks and knowledge. As an initial partner and early supporter of the International Coral Reef Initiative (ICRI), the Bank serves as the executive planning committee of ICRI. In partnership with the World Conservation Union and the Great Barrier Reef Marine Park Authority, the Bank promotes the efforts towards the establishment and maintenance of a globally representative system of marine protected areas. In addition, the Bank invested over $120 million in coral reef rehabilitation and protection programs in several countries. Furthermore, the Bank developed a ¿Knowledge Bank¿ that would market ideas and knowledge to its clients along with investment projects. This aimed to put the best global knowledge on environmentally sustainable development in the hands of its staff and clients. During the celebration of 1997, as the International Year of the Reef, the Bank planned to cosponsor an associated event that would highlight the significance of coral reefs and encourage immediate action to halt their degradation to conserve this unique ecosystem.

  20. 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

  1. Georges et les secrets de l'univers

    CERN Document Server

    Hawking, Lucy; Galfard, Christophe; Parsons, Gary

    2011-01-01

    Un voyage ex-tra-or-di-naire dans l'Univers! Le jour où Georges rencontre ses nouveaux voisins, il est loin d'imaginer que sa vision du monde va être totalement bouleversée. Chez la jeune Annie et Éric, son scientifique de père, le garçon découvre Cosmos, l'ordinateur le plus perfectionné qui soit. Sa super intelligence permet de protéger Georges et ses amis aux quatre coins de l'Univers ! Hélas, quelqu'un nourrit de sombres projets... et quand on sait qu'il n y a rien de plus dangereux dans l'espace qu'un trou noir, il y a du souci à se faire ! Un roman essentiel sur l'Univers avec les découvertes de Stephen Hawking.

  2. 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.

  3. Ecological Niche Modelling of Bank Voles in Western Europe

    Directory of Open Access Journals (Sweden)

    Sara Amirpour Haredasht

    2013-01-01

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

  4. Ecological niche modelling of bank voles in Western Europe.

    Science.gov (United States)

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

    2013-01-28

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

  5. George W. Bushi "intellektuaalne armuromaan" / Urmas Kiil

    Index Scriptorium Estoniae

    Kiil, Urmas

    2005-01-01

    Paljude poliitikute arvates kinnitab USA presidendi George Bushi vaimustus Natan Sharanski raamatust "The Case of Democracy: The Power of Freedom to Overcome Tyranny and Terror " fakti, et midagi pole tema poliitikas muutunud ka teisel ametiajal

  6. 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 ...

  7. A STUDY ON E-BANKING SERVICES: ITS RISKS AND IMPACTS

    OpenAIRE

    Sinha, Rajni

    2016-01-01

    Today’s world is one with increasing online access to services. One part of this which is growing rapidly is Internet Banking. Internet banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent devices. Though a large volume of literature is accessible on E-banking, this area is still a work in progress and offers a wide array of opportunities for further research and appl...

  8. Competitive Strategy of Banking Industry (Studies in Bengkulu Province

    Directory of Open Access Journals (Sweden)

    Syaiful Anwar AB

    2015-12-01

    Full Text Available The purpose of this study examines the competitive strategies tested the banking industry in the province of Bengkulu. Issues raised in this study is the extent the competitive strategy of banking and can ultimately increased customer. The aim to be achieved is to know what strategies can be applied. The analysis tool is to use qualitative paradigm mapping descriptive with banks in the province of Bengkulu with cluster analysis. Data collection method used in this study was secondary data collection and in-depth interviews. The results of this study conducted that the application of competitive strategy of Bank Rakyat Indonesia, Bank Mandiri, Bank Bengkulu and market penetration strategy was by opening a branch office network and cash office assistant sub-district area are yielded  positive results. From the aspect of services offered, the customer feels that the diversification of services has been able to meet customer needs. The aspect of competitive strategy, distribution aspects of a positive assessment, especially the ease of access, is felt more quickly. Customers feel that the branch offices is still lack, particularly for the Bank are classified as market followers. Customers feel that the promotion is still lacking, particularly those Bank whose branches or cash office in the area. The  strategy  that may be used is a segmentation strategy, developing target market, and positioning.

  9. The Influences of Women Leadershp, Organizational Culture, Working Climate and Effective Communication on Employee€™s Productivity at PT. Bank Mandiri Area Manado

    OpenAIRE

    Tololiu, Melisa I.M

    2015-01-01

    In this global era, every organization seeks to improve employee€™s performance to create productive employees as their asset. PT. Bank Mandiri Area Manado is one of the organizations on the banking sector which has the main task of managing and marketing loans especially micro-credit segment. The aim of this study is to determine the influences of women leadership, organizational culture, working climate and effective communication on employee€™s productivity. In this study, population refer...

  10. George Smoot talks to the Bulletin

    CERN Multimedia

    CERN Bulletin

    2011-01-01

    Antimatter, dark matter, dark energy, the nature of space and time… The Nobel Laureate George Smoot answers Paola Catapano’s questions about his career and the many issues about the Universe that are still open.   You started your scientific career as a particle physicist, but soon you moved to astrophysics and in particular the Big Bang theory and cosmology. What motivated your interest in the Big Bang theory? After I graduated from MIT, I went to Berkeley to work with particle physicist Luis Alvarez. He knew I was interested in many areas and said, “tell me what you would like to do and we’ll try and work on that”. I saw astrophysics as a new field, with a lot of new and exciting opportunities. I started doing experiments looking for antimatter, which eventually led to the idea of ASTROMAG and later to AMS. Studying antimatter, we found that it was in less than one part in 10,000. I thought: “There’s no antimatter around us ...

  11. 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...

  12. 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.

  13. Georges Darrieus, inventor of vertical axis wind-turbines; Georges Darrieus, pere des eoliennes a axe vertical

    Energy Technology Data Exchange (ETDEWEB)

    Rogier, E.

    2000-10-01

    This article is a short biography of the French man Georges Darrieus (1888-1979) who invented the vertical wind turbine. G.Darrieus can be considered as the first industrial researcher in France, he was a double authority in sciences and in industry machinery. He presented more than 50 patterns and wrote about 700 scientific and technological articles.

  14. Lobster trap detection at the Saba Bank

    NARCIS (Netherlands)

    Beek, van I.J.M.

    2012-01-01

    According to previous studies and anecdotal evidence there are a lot of lost lobster traps at the Saba Bank. One study estimated the loss to be between 210 and 795 lobster traps per year. The Saba Bank is an approximately 2,200 km2 submerged area and spiny lobster (Panulirus argus) is one of the

  15. Regulation of Communication Policy of Modern Banks

    Directory of Open Access Journals (Sweden)

    Ketova Natalia, P.

    2016-03-01

    Full Text Available The paper shows the need for effective communication commercial banks, revealed the possibility of interaction with customers through advertising, sponsorship, philanthropy, sales promotion, lobbying of interests of banking institutions. The principles for the regulation of communications to ensure consistency of communication complex, which cause a complex effect on the external environment, the creation of adaptive system of marketing communications. It is proved that the possibilities of implementing an active communication policy of modern banks in recent years is constantly increasing. This contributes to the extension of Internet technologies, the creation of remote service channels, the emergence of new tools and technologies to attract and retain customers. On the example of JSC "Sberbank of Russia" presented the technology of using the traditional tools of ATL and BTL communications, the formation of the system CSR – corporate social responsibility, building contact with customers, enhancing their loyalty to the Bank. Reveals the areas of regulation of the savings Bank of its activities on the creation of the daily value of services based on the principles of involvement and co-operation of the system "Client - Bank", "Bank - Company", "Bank – Employees".

  16. 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.

  17. Georg Cantor: habitar lo eterno

    Directory of Open Access Journals (Sweden)

    Juan Manuel Rodríguez Penagos

    Full Text Available Este artículo pone en discusión la relación entre estructura psíquica y la producción lógica del delirio; para ello, parte de un matemático alemán llamado Georg Cantor. Aquí se discute la relación entre la producción matemática y la instalación de su psicosis.

  18. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

    This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

  19. Noonan's and DiGeorge syndromes with monosomy 22q11.

    OpenAIRE

    Wilson, D I; Britton, S B; McKeown, C; Kelly, D; Cross, I E; Strobel, S; Scambler, P J

    1993-01-01

    A boy with the dysmorphic features of Noonan's syndrome and pulmonary valve stenosis who had evidence of hypoparathyroidism and abnormal T lymphocyte numbers in the neonatal period is reported. He had a normal karyotype but molecular analysis revealed a submicroscopic deletion within chromosome 22q11, the region deleted in DiGeorge syndrome. Thus this child has both Noonan's syndrome and DiGeorge syndrome; 22q11 is a candidate region for a gene defective in Noonan's syndrome.

  20. The Diffusion of Fintech Innovations and Impacts on the Modern Banking Ecosystem

    DEFF Research Database (Denmark)

    Deák, Bernadett; Garand, Denis; Turcan, Romeo V.

    The main purpose of the paper is to conceptualize the interrelationships between FinTech innovations and the banking sector. Since the presence of online banking has been rapidly evolving in the past years, this paper will provide a specific focus on that promising area of technological developme......The main purpose of the paper is to conceptualize the interrelationships between FinTech innovations and the banking sector. Since the presence of online banking has been rapidly evolving in the past years, this paper will provide a specific focus on that promising area of technological...... are discussed following a conceptual framework that consists of four dimensions: (1) Banking sector transformation including public policies and partnerships; (2) Fintech strategic and operational organizational planning; (3) Fintech innovative services in banking and Fintech adoption; and (4) market...

  1. Georges Didi-Huberman

    OpenAIRE

    Hagelstein, Maud

    2012-01-01

    Georges Didi-Huberman est un philosophe et un historien de l'art français né à Saint-Étienne le 13 juin 1953. Il a été pensionnaire à l'Académie de France à Rome (Villa Médicis) et résident à la Fondation Berenson de la Villa I Tatti à Florence. Il enseigne à l’École des hautes études en sciences sociales où il est maître de conférences depuis 1990. Bibliographie Invention de l’hystérie. Charcot et l’Iconographie photographique de la Salpêtrière, sur l'École de la Salpêtrière, Macula, 1982. M...

  2. George Bush peab sõjalist jõudu viimaseks valikuks / George W. Bush ; interv. Kaarel Kaas

    Index Scriptorium Estoniae

    Bush, George W., 1946-

    2005-01-01

    Ilmunud ka: Põhjarannik 7. mai 2005, lk. 2, Severnoje Poberezhje 7. mai, 2005, lk. 2. USA president George Bush andis 5. mail Valges Majas intervjuu kuuele Euroopa ajakirjanikule. 9. mai pidustustest Moskvas, USA-Läti, Venemaa-Balti riikide suhetest, demokraatiast Venemaal, Ameerika Ühendriikide ning Baltimaade viisarežiimist, vabaduse mõistestst, kinnipeetavate kohtlemisest Guantanamo sõjaväebaasis, relvade kasutamise vajadusest, terrorismist. Vt. samas: Kuidas usutlus võimalikuks sai

  3. Customer perceptions on Internet banking information protection

    Directory of Open Access Journals (Sweden)

    André Redlinghuis

    2010-12-01

    Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’ Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT. Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are key focus areas financial institutions should continuously invest in. Information should be easily retrievable and communicated in a manner that makes sense to the diverse customer base, especially within South Africa with its diverse cultures and languages. Conclusion: The final conclusion that could be reached is that Internet banking products and services will continue to grow across various divides and platforms as the Internet costs decrease in future, the growth of Internet related products and services such as Internet banking will increase.

  4. Bank output measurement in the euro area : A modified approach

    NARCIS (Netherlands)

    Colangelo, A.; Inklaar, R.

    Banks do not charge explicit fees for many of the services they provide, bundling the service payment with the offered interest rates. This output therefore has to be imputed using estimates of the opportunity cost of funds. We argue that rather than using the single short-term, low-risk interest

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

    Directory of Open Access Journals (Sweden)

    Seyhan Çil Koçyiğit

    2014-09-01

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

  6. 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

  7. 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.

  8. 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.

  9. Thymus transplantation for complete DiGeorge syndrome

    DEFF Research Database (Denmark)

    Davies, E Graham; Cheung, Melissa; Gilmour, Kimberly

    2017-01-01

    BACKGROUND: Thymus transplantation is a promising strategy for the treatment of athymic complete DiGeorge syndrome (cDGS). METHODS: Twelve patients with cDGS underwent transplantation with allogeneic cultured thymus. OBJECTIVE: We sought to confirm and extend the results previously obtained in a ...

  10. Application of SWAN+ADCIRC to tide-surge and wave simulation in Gulf of Maine during Patriot's Day storm

    Directory of Open Access Journals (Sweden)

    Dong-mei Xie

    2016-01-01

    Full Text Available The southern coast of the Gulf of Maine in the United States is prone to flooding caused by nor'easters. A state-of-the-art fully-coupled model, the Simulating WAves Nearshore (SWAN model with unstructured grids and the ADvanced CIRCulation (ADCIRC model, was used to study the hydrodynamic response in the Gulf of Maine during the Patriot's Day storm of 2007, a notable example of nor'easters in this area. The model predictions agree well with the observed tide-surges and waves during this storm event. Waves and circulation in the Gulf of Maine were analyzed. The Georges Bank plays an important role in dissipating wave energy through the bottom friction when waves propagate over the bank from offshore to the inner gulf due to its shallow bathymetry. Wave energy dissipation results in decreasing significant wave height (SWH in the cross-bank direction and wave radiation stress gradient, which in turn induces changes in currents. While the tidal currents are dominant over the Georges Bank and in the Bay of Fundy, the residual currents generated by the meteorological forcing and waves are significant over the Georges Bank and in the coastal area and can reach 0.3 m/s and 0.2 m/s, respectively. In the vicinity of the coast, the longshore current generated by the surface wind stress and wave radiation stress acting parallel to the coastline is inversely proportional to the water depth and will eventually be limited by the bottom friction. The storm surge level reaches 0.8 m along the western periphery of the Gulf of Maine while the wave set-up due to radiation stress variation reaches 0.2 m. Therefore, it is significant to coastal flooding.

  11. Application of SWAN+ADCIRC to tide-surge and wave simulation in Gulf of Maine during Patriot’s Day storm

    Directory of Open Access Journals (Sweden)

    Dong-mei Xie

    2016-01-01

    Full Text Available The southern coast of the Gulf of Maine in the United States is prone to flooding caused by nor’easters. A state-of-the-art fully-coupled model, the Simulating WAves Nearshore (SWAN model with unstructured grids and the ADvanced CIRCulation (ADCIRC model, was used to study the hydrodynamic response in the Gulf of Maine during the Patriot’s Day storm of 2007, a notable example of nor’easters in this area. The model predictions agree well with the observed tide-surges and waves during this storm event. Waves and circulation in the Gulf of Maine were analyzed. The Georges Bank plays an important role in dissipating wave energy through the bottom friction when waves propagate over the bank from offshore to the inner gulf due to its shallow bathymetry. Wave energy dissipation results in decreasing significant wave height (SWH in the cross-bank direction and wave radiation stress gradient, which in turn induces changes in currents. While the tidal currents are dominant over the Georges Bank and in the Bay of Fundy, the residual currents generated by the meteorological forcing and waves are significant over the Georges Bank and in the coastal area and can reach 0.3 m/s and 0.2 m/s, respectively. In the vicinity of the coast, the longshore current generated by the surface wind stress and wave radiation stress acting parallel to the coastline is inversely proportional to the water depth and will eventually be limited by the bottom friction. The storm surge level reaches 0.8 m along the western periphery of the Gulf of Maine while the wave set-up due to radiation stress variation reaches 0.2 m. Therefore, it is significant to coastal flooding.

  12. Nigeria : Financial Sector Review, Volume 3. Non-Bank Financial Institutions and Markets

    OpenAIRE

    World Bank

    2000-01-01

    This report is a comprehensive review of the Nigerian financial system, covering the following areas: i) macro-financial environment; ii) safety and soundness of the banking system; iii) banking supervision; iv) development finance institutions; v) community banks and commercial banks' rural operations; vi) insurance and pensions; vii) housing finance; viii) money and capital markets; and ...

  13. Magnus Georg von Paucker (1787-1855) / Eckhard Spring

    Index Scriptorium Estoniae

    Spring, Eckhard

    2013-01-01

    Eestis sündinud ja Tartu Ülikoolis õppinud silmapaistvast baltisaksa teadlasest ja tema lapselapsest Alexandrine Pauckerist. 23. novembril 2012 Jelgavas/Mitaus toimunud Magnus Georg von Pauckerile pühendatud teaduskonverentsist

  14. A REVIEW ON DATA MINING IN BANKING SECTOR

    OpenAIRE

    Vikas Jayasree; Rethnamoney Vijayalakshmi Siva Balan

    2013-01-01

    The banking industry has undergone various changes in the way they conduct the business and focus on modern technologies to compete the market. The banking industry has started realizing the importance of creating the knowledge base and its utilization for the benefits of the bank in the area of strategic planning to survive in the competitive market. In the modern era, the technologies are advanced and it facilitates to generate, capture and store data are increased enormously. Data is the m...

  15. St. George Feast: Relation to Eastern Legends and Cults [In Bulgarian

    Directory of Open Access Journals (Sweden)

    S. Rulinski

    2016-07-01

    Full Text Available The article examines George as a counterpart to the Sumerian god Ninurta. Feast St. George boasts Georgy feat - creation of the world. The date of the feast – 6th of May, is commented in its relation to the astronomical arguments and Sumerian ancient texts. The main rituals of the feast are described. The most typical folk songs devoted to St. Georgy are listed in the paper appendix.

  16. Determination of ocean/atmosphere carbon dioxide flux within OMP survey area. Final technical progress report, June, 1 1993--May 31, 1995

    Energy Technology Data Exchange (ETDEWEB)

    Chipman, D.W.; Takahashi, T.

    1995-10-17

    Determination of the net flux of atmospheric CO{sub 2} with the ocean at the continental margin is one of the three principal goals of the Ocean Margins Program. The work reported here represents the initial phase of that determination, as carried out during two cruises within the OMP survey area in 1993 and 1994. The interannual variability was addressed through the occupation of hydrographic stations of nearly identical location one year apart, while the spatial variability in the air-sea PCO{sub 2} difference (ApCO{sub 2}), representing the driving force for net CO{sub 2} flux, was addressed during a survey of much of the continental shelf between the survey area off North Carolina and Georges Bank. Not addressed by the initial cruises was the seasonal variability of the net CO{sub 2} flux, since both scoping cruises were mounted during the same season of the respective years.

  17. PRACTICAL METHODS OF BANKING MANAGEMENT – APPLICATION IN PRACTICE

    Directory of Open Access Journals (Sweden)

    Bodretskiy M.

    2018-03-01

    Full Text Available Introduction. The article presents the latest trends in the development of banking management in Ukraine. Purpose. The research is aimed at the study of practical methods of banking institutions management in Ukraine. Results. The results of the research, which prove the determination by most banks of such management methods based on the principles of minimizing operating costs of a banking institution, are proved. The main areas of such a minimization, most banks identified: the involvement of inexperienced staff, increase the level of automation of banking processes, increasing attention to non-price methods of attracting customers. A classification of non-price methods of attracting customers is made. The use of mathematical tools for determining the quality of management by a banking institution is proposed. The article states that in order to prevent the manifestations of crisis phenomena in a banking institution (predictors of which may be: the emergence of a negative spread, loss-making activity of the bank, etc. it is necessary to have an optimal, economically sound portfolio of practical management methods that can be practically useful for execution on operational and tactical level of managerial decisions of banking management. The article contains the results of the survey of specialists and scientists who took part in the scientific and practical conference “Anti-crisis management of economy and finances”, held in 2017. The main areas of work of the mentioned conference were: search of ways of overcoming of crisis phenomena in economy and finances of Ukraine; definition of strategic aspects of the development of the financial system of the state in the context of the growth of the negative consequences of the growth of tension in international and economic relations; definition of fiscal policy of Ukraine and the impact of its quality on the quality of the banking system in the conditions of stagnation of financial markets, etc

  18. PROBLEMS AND OBSTACLES IN CREDIT RISK MANAGEMENT IN INDIAN PUBLIC SECTOR BANKS

    Directory of Open Access Journals (Sweden)

    RENU ARORA

    2014-10-01

    Full Text Available This paper evaluates the credit risk management (CRM practices of Indian public sector banks in grant of commercial loans to find the grey areas which need review and restructuring to improve banks’ asset quality. Based on literature review, a conceptual model of credit risk management systems for commercial loans, of Indian public sector banks, has been developed. This model has been used to underline the problems areas and obstacles in credit risk management through comparison of large and small banks. The empirical comparison of CRM practices of Indian public sector banks has resulted into emergence of various grey areas, like insufficient training, data management, inappropriate IT support, system disintegration, inconsistent rating approaches, which need immediate attention and if tackled properly, can reduce their non-performing assets.

  19. 77 FR 14351 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2012-03-09

    ... assessments and develop ABC recommendations for the Council for redfish, Georges Bank haddock, Gulf of Maine/Georges Bank windowpane flounder, Southern New England/Mid-Atlantic windowpane flounder, ocean pout... address the emergency. Special Accommodations This meeting is physically accessible to people with...

  20. Georges Duby et les Études d'histoire rurale

    Directory of Open Access Journals (Sweden)

    Laurent Feller

    2008-01-01

    Full Text Available Comme tous les grands artistes, Georges Duby a eu plusieurs périodes. Les études d’histoire rurale ont été la première d’entre elles. De 1952 au milieu des années 1970, Georges Duby a eu une production soutenue et, à tous points de vue importante. Il y eut d’abord les grands ouvrages, sa thèse, sur le Mâconnais qui est aussi un ouvrage traitant des questions rurales dans ce qu’elles peuvent avoir de plus concret et de plus élémentaire. En 1962, L’économie rurale et la vie des campagnes marque...

  1. Innovative Trends Of International Banking Business (Case Of Azerbaijan

    Directory of Open Access Journals (Sweden)

    F. F. Murshudli

    2018-01-01

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

  2. Analisis Perbandingan Kinerja Pada Bank Nasional, Bank Campuran, Dan Bank Asing Yang Terdaftar Di Bursa Efek Indonesia

    OpenAIRE

    Angel, Christania Graciella

    2014-01-01

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

  3. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

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

    2017-01-01

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

  4. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  5. George MacDonald's Estimate of Childhood

    Science.gov (United States)

    Pridmore, John

    2007-01-01

    The nineteenth-century fantasy writer George MacDonald believed that "it is better to be a child in a green field than a knight of many orders." In this paper, I shall explore the bearing of this high estimate of childhood on spiritual education. MacDonald explores the spirituality of the child in his essay "A Sketch of Individual Development" and…

  6. Evaluation of a market in wetland credits: entrepreneurial wetland banking in Chicago.

    Science.gov (United States)

    Robertson, Morgan; Hayden, Nicholas

    2008-06-01

    With the rise of market-led approaches to environmental policy, compensation for permitted discharge of dredge or fill material into wetlands under Section 404 of the U.S. Clean Water Act has been purchased increasingly from entrepreneurial third-party providers. The growth of this practice (i.e., entrepreneurial wetland banking) has resolved many challenges associated with wetland compensation. But it has also produced (1) quantifiable temporal loss of wetland ecological functions, (2) spatial redistribution of wetland area, and (3) a degree of regulatory instability that may pose a threat to entrepreneurial compensation as a sustainable component of wetland-compensation policy. We used achieved compensation ratios, lapse between bank credit sale and the attainment of performance standards, distance between impact and bank site, and changes in bank market area to examine these 3 factors. We analyzed data from a census of all such transactions in the Chicago District of the U.S. Army Corps of Engineers, compiled from site visits, Corps databases, and contacts with consultants and Section 404 permittees. Entrepreneurial banking provided compensation at a lower overall ratio than nonbank forms of compensation. Approximately 60% of bank credits were sold after site-protection standards were met but before ecological performance standards were met at the bank site. The average distance between bank and impact site was approximately 26 km. The area of markets within which established banks can sell wetland credits has fluctuated considerably over the study period. Comparing these data with similar data for other compensation mechanisms will assist in evaluating banking as an element of conservation policy. Data characterizing the performance of entrepreneurial wetland banks in actual regulatory environments are scarce, even though it is the most established of similar markets that have become instrumental to federal policy in administering several major environmental

  7. 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...

  8. 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 ...

  9. 77 FR 59035 - Notice of Intent To Rule on Request To Release Airport Property at the St. George Airport, St...

    Science.gov (United States)

    2012-09-25

    ... To Release Airport Property at the St. George Airport, St. George, UT AGENCY: Federal Aviation... rule and invite public comment on the release of land at St. George Airport under the provisions of..., City of St. George, Utah, at the following address: Mr. Gary Esplin, City Manager, City of St. George...

  10. Il Cabinet d'amateur di Georges Perec

    Directory of Open Access Journals (Sweden)

    Valeria Cammarata

    2011-06-01

    Full Text Available In 1979 one year after the publication of La vie mode d’emploi, George Perec wrote Cabinet d’amateur. Histoire d’un tableau, in which he tells the story of a painting belonging to the genre of the cabinet d’amateur, also known as kunst- und wunderkammer. It is a collection of different paintings, usually belonging to a rich man or a notable, portrayed (once again in a single picture celebrating the magnificence of this more or less real collection. As for the pictorial genre, so the short novel is the celebration of the images collected by George Perec in his previous masterpiece, La vie mode d’emploi. This is why I assume this work to be referable to the genre of structural homology more than to that of ékphrasis, being the pictorial structure not only the thematic inspiration or motif of the novel but its own underlying structure

  11. 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...

  12. 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...

  13. THE ROLE OF MARKETING AND BRAND IN BANKING

    Directory of Open Access Journals (Sweden)

    Svetlana Vukotić

    2015-10-01

    Full Text Available One of the key tasks for modern banks is finding ways and methods for creating sustainable competition advantage in increasingly competitive financial markets. The role of marketing within this task is beyond doubt, especially in bank services quality area. The quality is reached through putting clients in the epicentre and by giving them special treatment. Marketing has been a little slow in taking part in this financial, that is, banking area. This lag is being made up for by more personal attitudes to clients. Information technology application made this way of functioning easier, it created a data base which included some important personal dates in clients’ lives. The ambition to be different is closely connected to brand creation. Once it has been determined what makes a brand, it is necessary to express it through marketing activities. This very relation is the foundation for marketing and brand relationship. These are the main topics of this paper about banking sector specific points. Brands offer rational as well as emotional benefit. It will be even more stressed in the future.

  14. 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-...

  15. An investigation on loyalty formation model in e-banking customers: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Mahmood Reza Esmaeili

    2013-03-01

    Full Text Available E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with designing and explanation of loyalty formation model in e-banking. The preliminary results indicate that “satisfaction” is the most influential component affecting customer loyalty formation with an 87% diagnose coefficient. In addition, trust formation in customers may impact loyalty in an electronic environment with a 70% diagnose coefficient. Moreover, the most important factors impacting customer satisfaction include “reputation” “perceived value,” “service quality,” and “habit” with relative effects coefficients of 44%, 32%, 29%, and 26%, respectively. Finally, “reputation,” “service quality,” “habit” and “perceived value” have been the most important factors influencing customer trust with influence coefficients of 37%, 32%, 31%, and 24%, respectively.

  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. 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

  18. Sorose suured soovid / George Soros ; interv. Neeme Raud

    Index Scriptorium Estoniae

    Soros, George, 1930-

    2006-01-01

    Miljardär ja filantroop George Soros vastab küsimustele, mis puudutavad tema raamatut "Ekslikkuse ajastu", kriitika USA kui maailma korratuse ühe põhjustaja suhtes, terroriohu vähendamist maailmas, avatud ühiskonnast

  19. 78 FR 48420 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2013-08-08

    ... and develop ABC recommendations for Georges Bank yellowtail flounder for fishing year 2014; review... of Maine haddock ABC may be adjusted in response to possible movement of Georges Bank haddock into... accessible to people with disabilities. Requests for sign language interpretation or other auxiliary aids...

  20. 77 FR 47373 - New England Fishery Management Council; Public Meeting

    Science.gov (United States)

    2012-08-08

    ..., Southern New England/Mid-Atlantic yellowtail flounder, Georges Bank yellowtail flounder, witch flounder, plaice and Georges Bank/Gulf of Maine white hake. The committee may not develop all the recommendations... accessible to people with disabilities. Requests for sign language interpretation or other auxiliary aids...

  1. Assessment of fish populations and habitat on Oculina Bank, a deep-sea coral marine protected area off eastern Florida

    OpenAIRE

    Harter , Stacey L.; Ribera, Marta M.; Shepard, Andrew N.; Reed, John K.

    2009-01-01

    A portion of the Oculina Bank located off eastern Florida is a marine protected area (MPA) preserved for its dense populations of the ivory tree coral (Oculina varicosa), which provides important habitat for fish. Surveys of fish assemblages and benthic habitat were conducted inside and outside the MPA in 2003 and 2005 by using remotely operated vehicle video transects and digital still imagery. Fish species composition, biodiversity, and grouper densities were used to determine w...

  2. An Exploration of Customers’ Switching Behavior In Islamic Banking Industry

    Directory of Open Access Journals (Sweden)

    Ali Rama

    2017-02-01

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

  3. 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....

  4. 75 FR 44924 - Fisheries of the Northeastern United States; Northeast Multispecies Fishery; Trip Limit Reduction...

    Science.gov (United States)

    2010-07-30

    ... the U.S./Canada Management Area to reduce the harvest of Georges Bank (GB) yellowtail flounder for..../Canada Resource Sharing Understanding (Understanding). The regulations implementing the Understanding at Sec. 648.85(a) grant the RA additional authority to implement gear requirements in the U.S./Canada...

  5. Georg Franz Buquoy und "La famosissima Notte"

    Czech Academy of Sciences Publication Activity Database

    Konečný, Lubomír

    -, 0016 (2011), s. 1-9 ISSN 2190-3328 Institutional research plan: CEZ:AV0Z80330511 Keywords : Georg Franz August de Longueval, Count Buquoy * Antonio Allegri * Il Correggio Subject RIV: AL - Art, Architecture, Cultural Heritage http://www.riha-journal.org/articles/2011/2011-jan-mar/konecny-buquoy-famosissima-notte

  6. In Praise of George Peabody, 1795-1869.

    Science.gov (United States)

    Parker, Franklin

    1994-01-01

    One of several papers on self-made millionaire and educational philanthropist George Peabody defends Peabody's philanthropy against those who criticized him as miserly, highlighting his establishment of colleges, libraries, museums, hospitals, and other charities. The paper details his life, work, politics, and death, describing the causes that he…

  7. George A. Towns Elementary School. Atlanta, Georgia

    Science.gov (United States)

    Burt, Ralph H.

    1976-01-01

    A project testing solar heating and cooling in an existing building, the George A. Towns Elementary School, is intended to provide information on system design and performance, allow the identification and correction of problems encountered in installing large units, and gauge community/user reaction to solar equipment. (Author/MLF)

  8. 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...

  9. 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...

  10. 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...

  11. 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.

  12. George F. Kennan and the Division of Europe

    Czech Academy of Sciences Publication Activity Database

    Smetana, Vít

    2013-01-01

    Roč. 15, č. 4 (2013), s. 225-232 ISSN 1520-3972 Institutional support: RVO:68378114 Keywords : George F. Kennan * Cold War * U.S. foreign policy Subject RIV: AB - History Impact factor: 0.349, year: 2013

  13. Structural and Qualitative Analysis of the Romanian Banking System

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2010-12-01

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

  14. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

    The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

  15. Elemental composition of Usnea sp lichen from Potter Peninsula, 25 de Mayo (King George) Island, Antarctica

    International Nuclear Information System (INIS)

    Bubach, Débora; Catán, Soledad Perez; Di Fonzo, Carla; Dopchiz, Laura

    2016-01-01

    Several pollutants, which include metals, are present in the Antarctic atmosphere, snow, marine and terrestrial organisms. This work reports the elements incorporated by Usnea sp thalli in Potter Peninsula, 25 de Mayo (King George) Island, South Shetlands, Antarctica. Geological origin was analyzed as possible sources of elements. For this purpose, correlations were done using a geochemical tracer, principal component analysis and enrichment factors were computed. Lithophile elements from particulate matter were present in most of the sampling sites. Bromine, Se and Hg showed the highest enrichment factors suggesting other sources than the particulate matter. Mercury values found in Usnea sp were in the same range as those reported for Deception Island (South Shetlands) and remote areas from the Patagonia Andes. - Highlights: • Hg enrichment factor was higher in ASPA than in human settlements area. • The elemental composition in Usnea sp from Antarctica reflected the human influence. • Bromine, Ca, Sr, Se, Fe, Hg and K contents indicated origins natural and anthropic. • The data will be considered as baselines for Potter Peninsula, King George Island. - This study provides recent element contents in Usnea sp from Potter Peninsula, South Shetland Islands, Antarctica. Some of them are the first concentration reported by Argentina.

  16. Radiation hygiene problems of uranium mine waste bank reclamation

    International Nuclear Information System (INIS)

    Skalicky, J.; Klener, V.; Thomas, J.; Romanidis, K.

    1982-01-01

    Using a comprehensive approach, the hygienic feasibility is evaluated of recultivation by forests of waste banks from uranium mines. The evaluation is based on the investigation of samples of soil, timber and dry grass from waste banks of ore mines from the 16th century and recent waste banks in the same area. Using model reflections and the data collected, it is concluded that various alternatives regarding the use of timber from these localities would not involve significant exposure of people. Neither the consumption of meat and milk from cattle and sheep grazing in these areas or the consumption of berries from the woods would cause a significant increase of exposure in extensive population groups, provided these products would only form part of the total diet. (author)

  17. O conceito "socialização" caiu em desuso? Uma análise dos processos de socialização na infância com base em Georg Simmel e George H. Mead Is the " socialization" concept outdated? An analisis of the socialization processes in childhood according to Georg Simmel and George H. Mead

    Directory of Open Access Journals (Sweden)

    Tamara Grigorowitschs

    2008-04-01

    Full Text Available O artigo apresenta uma leitura das obras de George H. Mead e Georg Simmel a respeito do conceito processos de socialização à luz de questões suscitadas no interior do domínio da sociologia da infância. Aborda o desenvolvimento do conceito processos de socialização em Simmel e correlaciona as concepções simmelinas com a obra de Mead a respeito do desenvolvimento do self, com o objetivo de definir os processos de socialização na infância. Visa demonstrar como as obras de Simmel e Mead permitem pensar a infância como um período específico dos processos de socialização, em que as crianças desempenham papéis ativos na construção de seus selves individuais e da sociedade e cultura em que estão inseridas.This paper presents an analysis of George H. Mead's and Georg Simmel's works about the concept of socialization processes in the light of questions arised in the scope of childhood sociology. It approaches the development of Simmel's socialization processes concept and establishes a correlation between the Simmelian conceptions and Mead's work about the self development, in an attempt to define the socialization processes in childhood. It is intended to demonstrate how Simmel's and Mead's works allow us to think about childhood as a specific period of the socialization processes in which children play active roles in building their individual selves, as well as the society and culture they are in.

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

    Directory of Open Access Journals (Sweden)

    Ali Ulvi İşler

    2015-10-01

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

  19. 78 FR 34039 - Magnuson-Stevens Act Provisions; General Provisions for Domestic Fisheries; Application for...

    Science.gov (United States)

    2013-06-06

    ...) Georges Bank winter flounder. Sec. 648.86(l) Zero retention of Atlantic wolffish. Sec. 648.86(o..., fecundity, bioelectrical impedance analysis (BIA), food habits, and genetic research. The yellowtail... (GOM), Georges Bank (GB), Southern New England/Mid-Atlantic (SNE/MA)), or 1,200 fish total from each...

  20. 77 FR 32573 - New England Fishery Management Council (NEFMC); Public Meeting

    Science.gov (United States)

    2012-06-01

    ... discuss the low fishing year 2012 annual catch limit (ACL) for Georges Bank yellowtail flounder and will... on fishing activity, as well as possible adjustments to sub-ACLs of Georges Bank yellowtail flounder... physically accessible to people with disabilities. Requests for sign language interpretation or other...

  1. TOWARDS THE EUROPEAN BANKING UNION-Literature review

    Directory of Open Access Journals (Sweden)

    Dragos G. TURLIUC

    2013-06-01

    Full Text Available The financial crisis has made the need for a more integrated regulatory and supervisory framework for the financial services sector evident. An important step towards this aim is the establishment of the Single Supervisory Mechanism. European leaders have committed to moving toward a banking union, in which bank regulation and supervision, deposit guarantees, and the handling of troubled banks will be integrated across at least the euro area and possibly across the wider European Union. This paper provides an overview of research on this topic. We also identify important future research questions that emerge from both the literature and the current debate.

  2. DiGeorge Syndrome: a not so rare disease

    Directory of Open Access Journals (Sweden)

    Angela BF Fomin

    2010-01-01

    Full Text Available INTRODUCTION: The DiGeorge Syndrome was first described in 1968 as a primary immunodeficiency resulting from the abnormal development of the third and fourth pharyngeal pouches during embryonic life. It is characterized by hypocalcemia due to hypoparathyroidism, heart defects, and thymic hypoplasia or aplasia. Its incidence is 1:3000 live births and, despite its high frequency, little is known about its natural history and progression. ←This is probably due to diagnostic difficulties and the great variety of names used to describe it, such as velocardiofacial, Shprintzen, DiGeorge, and CATCH 22 Syndromes, as well as conotruncal facial anomaly. All represent the same genetic condition, chromosome 22q11.2 deletion, which might have several clinical expressions. OBJECTIVES: To describe clinical and laboratorial data and phenotypic characteristics of patients with DiGeorge Syndrome. METHODS: Patients underwent standard clinical and epidemiological protocol and tests to detect heart diseases, facial abnormalities, dimorphisms, neurological or behavioral disorders, recurrent infections and other comorbidities. RESULTS: Of 14 patients (8m - 18y11m, only one did not have 22q11.2 deletion detected. The main findings were: conotruncal malformation (n = 12, facial abnormalities (n = 11, hypocalcemia (n = 5 and low lymphocyte count (n=2. CONCLUSION: The authors pointed out the necessity of DGS suspicion in all patient presenting with heart defects, facial abnormalities (associated or not with hypocalcemia, and immunological disorders because although frequency of DGS is high, few patients with a confirmed diagnosis are followed up.

  3. MODEL KEBUTUHAN PARKIR MOBIL GEDUNG PERKANTORAN BANK DI KOTA MALANG

    Directory of Open Access Journals (Sweden)

    Pranoto Pranoto

    2012-09-01

    Full Text Available Abstract: The Model of Parking Lot Demand for Cars in Bank Office Building in Malang. This research is aimed  to know (l characteristic of car parking lot at bank  office, (2 mathematics model of the demand of parking lot for cars at bank office, and (3 Level of required standard for parking lot at bank office in  Malang. This research is divided into phases, which are: identifying phase, planning phase, acquiring data, analyses and conclusion. The result shows that (l the maximum accumulation of  car parked at  bank office reach at the daytime with duration between 15 -- 30 minutes. Maximum accumulation occurred between 09.30 -- 11.45 WIB, predominated by short-term parking, mostly occurred in 15 minutes; (2 the mathematics model for the parking demand is functioned as Y = 12.7712 + 0.0128 LLE, with R2 = 0.963, and (3 the required standard of car parking lot is one parking lot per 63 sqm total floor area  (minimum and one parking lot per 46 sqm effective floor area.

  4. Saint george “μέγας δούξ” - an icon from the Byzantine Museum of Kastoria

    Directory of Open Access Journals (Sweden)

    Sisiou Iōannēs

    2014-01-01

    Full Text Available In this paper, the icon of St George with the epithet Megas Doux (Μέγας Δούξ, held in the Kastoria Museum, is published for the first time; it dates from the first decade of the fourteenth century. The discussion lists all known examples of holy warriors with the same epithet preserved in the area of Kastoria. Based on these examples it is concluded that the epithet was not only related to St Demetrios. During the reign of Andronikos II Palaiologos, donors who bore the title of dux wished to endow their personal patron saint - most commonly Demetrios and George - with the same title.

  5. "Georg" : za 13 sjomotshnõhh dnei do filma / Marko Matvere ; intervjueerinud Boris Tuch

    Index Scriptorium Estoniae

    Matvere, Marko, 1968-

    2006-01-01

    Peeter Simmi mängufilmi "Georg" võtteperioodi lõpuni on jäänud loetud päevad. Filmist ja oma tegelaskujust räägivad näitlejad Marko Matvere, Anastasia Makejeva (artiklis ekslikult Matvejeva), laulja Renars Kaupers. Filmi stsenarist Mati Põldre räägib Georg Otsa ja KGB suhetest

  6. 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...

  7. EMPLOYEE PERCEPTIONS OF JOB SATISFACTION: COMPARATIVE STUDY ON INDIAN BANKS

    Directory of Open Access Journals (Sweden)

    Arunima Shrivastava

    2009-01-01

    Full Text Available The present study examined the job satisfaction level of a public sector and private sector bank employees in India. The sample consisted of 340 bank employees from both sectors. Job Diagnostic Survey by Hackman and Oldham (1975 was used to ascertain the level of job satisfaction. This study used independent samples t-test and qualitative analysis to study the differences in employee attitudes. Results indicated that the means of the public and private banks were significantly different from each other. It was found that private sector bank employees perceive greater satisfaction with pay, social, and growth aspects of job as compared to public sector bank employees. On the other hand, public sector bank employees have expressed greater satisfaction with job security as compared to private sector bank employees. The findings of the study highlight important satisfiers and dissatisfiers present in the job and suggest both the banks to take performance initiatives in the areas where employees have reported reduced satisfaction.

  8. Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

    Directory of Open Access Journals (Sweden)

    Ir Ascarya

    2008-08-01

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

  9. Language, literature and theory in Georges Perec

    Directory of Open Access Journals (Sweden)

    Jacques Fux

    2013-07-01

    Full Text Available This article approaches some possible relations between space and literature within the work of the French writer Georges Perec. The book Espèces d’espaces, published in 1974, is taken as a major reference for a reflection about how its narrative structure produces displacements in its fictional status.

  10. ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Dwi Umardani

    2017-05-01

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

  11. 77 FR 64488 - Magnuson-Stevens Fishery Conservation and Management Act Provisions; Fisheries of the...

    Science.gov (United States)

    2012-10-22

    ... closed to the harvest of surfclams and ocean quahogs since 1990 due to red tide blooms that cause...; Atlantic Surfclam and Ocean Quahog Fishery AGENCY: National Marine Fisheries Service (NMFS), National... portion of the Georges Bank Closed Area to the harvest of Atlantic surfclams and ocean quahogs. The full...

  12. 77 FR 5492 - Magnuson-Stevens Act Provisions; General Provisions for Domestic Fisheries; Application for...

    Science.gov (United States)

    2012-02-03

    ... the Atlantic surfclam and ocean quahog Georges Bank Closure Area. This would continue research to... testing to obtain additional data in locations where toxin levels may be higher than were present during the pilot phase of the study. NMFS has made a preliminary determination that the exempted fishing...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 1992 Data Bank for Red Oak Lumber

    Science.gov (United States)

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

    1992-01-01

    The 1992 Data Bank for Red Oak Lumber is a collection of fully described FAS, Selects, No. 1 Common, and No. 2A Common boards (a total of 1,578 at present). The data bank has two unique features to aid in sample selection. The first feature is the double grading of FAS, No. 1 Common, and No. 2A Common boards to reflect the surface area in grading cuttings when grading...

  18. 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.

  19. Multidimensional filter banks and wavelets research developments and applications

    CERN Document Server

    Levy, Bernard

    1997-01-01

    Multidimensional Filter Banks and Wavelets: Reserach Developments and Applications brings together in one place important contributions and up-to-date research results in this important area. Multidimensional Filter Banks and Wavelets: Research Developments and Applications serves as an excellent reference, providing insight into some of the most important research issues in the field.

  20. AN EXPLORATION OF CUSTOMERS’ SWITCHING BEHAVIOR IN ISLAMIC BANKING INDUSTRY

    Directory of Open Access Journals (Sweden)

    Ali Rama

    2017-02-01

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

  1. 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…

  2. 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...

  3. Bulgaria and Serbia in the historical works of George Akropolites and George Pachymeres

    Directory of Open Access Journals (Sweden)

    Stanković Vlada

    2009-01-01

    Full Text Available The paper analyzes the well-known historical works of George Akropolites and George Pachymeres from the viewpoint of their literary composition structure, lexica and narrative techniques used for describing events and personalities from Bulgaria and Serbia. An attempt is made to surpass the 'traditional' methodology and the usually applied standard approach that focuses almost exclusively to the search for the 'strong' historical facts in these literary works par excellence, in that way overlooking their strong literary character, careful expressions, sometimes evident and sometimes more subtle style differences whose purpose was to underline the focal points and the conclusions of the content of the stories - in short, the information and the stories about Bulgaria and Serbia by Akropolites and Pachymeres are analyzed in their entirety, viewed as the integral parts of the complex literary works, and not as isolated episodes, divided from the rest of the narrative. The ways in which George Akropolites depicted and described deaths of the Bulgarian rulers were studied as one of the best examples of his conscious endeavors to bring the literary style of his History in accord with his own judgments about the rulers of the neighboring country. Scenes of death, conspicuously frequent in Akropolites' relatively short historical work, play an important role in characterizing personalities, and the same principle which Akropolites uses for judging the Byzantines is applied to the Bulgarians as well: generally positive opinion about somebody's life and achievements is emphasized with a depiction of his death in a positive way (Ivan II Asen, and vice versa, Akropolites' 'villains' receive their horrible deaths as a deserved punishment for their bad deeds (Kalojan's death. On the other hand, Akropolites' scarce information about Serbs is supplemented with his depiction of the Serbian king Uroš (1243-1276, and his stance after the death of John Batatzes

  4. IMPROVING BANK QUALITY DIMENSIONS TO INCREASE CUSTOMER SATISFACTION

    Directory of Open Access Journals (Sweden)

    Lăcrămioara RADOMIR

    2011-01-01

    Full Text Available The purpose of this study is twofold: 1. examine the relationship betweenservice quality dimensions and customer satisfaction with bank territorialunits; 2. establish which quality measure method out of the four considered inthis study should be applied in order to better determine the areas that needfurther improvement and investment. In this respect, we performed PrincipalComponent Regression (PCR and considered direct importance andperformance measures as well. Our results reveal that human resourceshave the greatest impact on customers’ satisfaction with bank territorial unitsand that both “Convenience and Efficiency” and “Bank personnel” are thedimensions that bank management should consider in their efforts to improveand maintain the service quality level. To the best of our knowledge, this isthe first study which tries to emphasize the relationship between servicequality dimensions and Romanian customers’ satisfaction with bank territorialunits. The main limit of the study lies in the fact that data were collectedamong the customers of a single bank. Nevertheless, it provides valuableinformation about the Romanian market and ought to be considered astarting point for further studies.

  5. 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...

  6. Much ado about nothing? Sustainability disclosure in the banking industry

    OpenAIRE

    Hummel, Katrin; Festl-Pell, Diana Brigitte

    2015-01-01

    This paper examines the sustainability disclosure in the banking industry with respect to potential greenwashing. We build a theoretical framework to assess the sustainability disclosure along materiali-ty criteria in the banking industry and apply this framework to the corporate sustainability reporting of two global systemically important banks. The results of our case study point toward the existence of greenwashing mainly in the most material area of the sustainability disclosure of our s...

  7. Application of ecohydraulic bank protection model to improve river bank stability and biotic community in Surabaya River

    Directory of Open Access Journals (Sweden)

    Daru Setyo Rini

    2017-10-01

    Full Text Available Ecohydraulic river bank protection design was developed as ECO-RIPRAP model and has been applied along 100 meter length to restore accelerated erosion sites in Surabaya River at Wringinanom and Klubuk. The model combined re-profiled and re-vegetated bank with rock toe reinforcement and addition of log groynes at 10 meter length interval. Various native plant species were planted on bank slopes, including water plants Ipomoea aquatica and Pistia stratiotes, grasses and shrubs Ipomoea carnea, Pluchea indica, Saccharum spontaneum, Arundo donax, and native tree species Ficus glomerata, Bambusa arundinacea, Dendrocalamus asper, Bambusa vulgaris, Ficus benjamina, Dillenia indica, Psidium guajava, Arthocarpus camansi, Arthocarpus elasticus, Hibiscus mutabilis, Nauclea sp., Inocarpus edulis, and Syzygium polyanthum. The river bank morphology after ECO-RIPRAP application showed alteration from erosion to sedimentation due to rock toe enforcement, log groynes protection, and increase of plant cover on littoral banks that decreased near bank velocity. The macro-invertebrate community shown increase of taxa richness, EPT richness, %EPT and %Atyidae, but decrease of %Chironomidae at restored sites. The fish community shown increase of taxa richness, increase of abundance by 54.2%, increase of Pangasius micronemus abundance by 25.6%, and increase of Hemibragus nemurus abundance by 6.3 % at restored reach. Rare fish species thrive back at restored area, namely Oxyeleotris marmorata, Mastacembelus unicolor and Hampala macrolepidota.

  8. George Soros : maailma hädad sünnivad avatuse ja suletuse vastuoludest / George Soros ; interv. Urmet Kook

    Index Scriptorium Estoniae

    Soros, George, 1930-

    2004-01-01

    George Soros vastab küsimustele, kas postkommunistlikel riikidel oleks olnud mõttekas ja võimalik valida veidi pehmem tee turumajandusele üleminekul, kas ta usub liberaalse demokraatia lõplikku võidukäiku maailmas, millised on suurimad ohud tänapäeva maailma ees, samuti küsimustele demokraatlike riikide alliansi otstarbe ja mahajäänud ühiskondade jaluleaitamise kohta

  9. Prolífica George Sand

    Directory of Open Access Journals (Sweden)

    Àngels Santa

    2014-04-01

    Full Text Available A propósito de las obras de George Sand, Œuvres complètes. Sous la direction de Béatrice Didier. 1841-1842.Un hiver à Majorque. Édition critique par Angela Ryan. Horace.Édition critique par Jeanne Brunereau (París, Honoré Champion, 2013, 748 p. ISBN : 9782745319265 y Œuvres complètes. ́Sous la direction de Béatrice Didier. 1849.La petite Fadette. Édition critique par Andrée Mansau (París, Honoré Champion, 2013, 345p. ISBN : 9782745319203

  10. 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.

  11. Effects of Hurricane Georges on habitat use by captive-reared Hispaniolan Parrots (Amazona ventralis) released in the Dominican Republic

    Science.gov (United States)

    White, T.H.; Collazo, J.A.; Vilella, F.J.; Guerrero, S.A.

    2005-01-01

    We radio-tagged and released 49 captive-reared Hispaniolan Parrots (Amazona ventralis) in Parque Nacional del Este (PNE), Dominican Republic, during 1997 and 1998. Our primary objective was to develop a restoration program centered on using aviary-reared birds to further the recovery of the critically endangered Puerto Rican Parrot (A. vittata). Hurricane Georges made landfall over the release area on 22 September 1998 with sustained winds of 224 km/h, providing us with a unique opportunity to quantify responses of parrots to such disturbances. Quantitative data on such responses by any avian species are scarce, particularly for Amazona species, many of which are in peril and occur in hurricane-prone areas throughout the Caribbean. Mean home ranges of 18 parrots monitored both before and after the hurricane increased (P = 0.08) from 864 ha (CI = 689-1039 ha) pre-hurricane to 1690 ha (CI = 1003-2377 ha) post-hurricane. The total area traversed by all parrots increased > 300%, from 4884 ha pre-hurricane to 15,490 ha post-hurricane. Before Hurricane Georges, parrot activity was concentrated in coastal scrub, tall broadleaf forest, and abandoned agriculture (conucos). After the hurricane, parrots concentrated their activities in areas of tall broadleaf forest and abandoned conucos. Topographic relief, primarily in the form of large sinkholes, resulted in "resource refugia" where parrots and other frugivores foraged after the hurricane. Habitat use and movement patterns exhibited by released birds highlight the importance of carefully considering effects of season, topography, and overall size of release areas when planning psittacine restorations in hurricane-prone areas. ?? The Neotropical Ornithological Society.

  12. [Grand Banks activity : updates and opportunities

    International Nuclear Information System (INIS)

    Bruce, G.

    1998-01-01

    An overview of the exploration and on-going activities by the petroleum industry on the Grand Banks of Newfoundland was presented. The two offshore oil developments underway are Hibernia and Terra Nova, both located in the Jeanne d'Arc Basin. Current production from Hibernia is 68,000 bopd, expected to rise to 130,000 bopd in 1999. The Terra Nova Field is still under development. Total recoverable reserves from the 17 discoveries made in the Jeanne d'Arc Basin are estimated at 1.6 billion barrels of oil and 4 trillion cubic feet of gas. Industry participants in the area include Amoco, Petro-Canada, Mobil, Chevron, Husky and Norsk Hydro. Petro-Canada believes the Grand Banks represent one of the best opportunities for oil anywhere in the world. There are currently 21 exploration licenses held on the Grand Banks. Major attractions of the area include the large reserve potential, the relatively low finding costs, the size of the pools being discovered, improvements in offshore technology that have substantially lowered development costs, and a profit-sensitive generic royalty regime that ensures reasonable rates of return for investors. figs

  13. 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...

  14. Revitalisasi Pengelolaan Bank Sampah Di Palabuhanratu

    Directory of Open Access Journals (Sweden)

    Budi Prasetyo Samadikun

    2017-11-01

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

  15. Sustaining Satisfaction for Credit Risk Governance: Empirical Evidence from Indian Commercial Banks

    Science.gov (United States)

    Arora, Anju

    2015-01-01

    This paper explores the issues underlying the credit risk governance mechanism of banking institutions in emerging economies. This is an important area of study given the essential role that banks play in the financial markets of emerging economies and the widespread banking reforms that these economies have implemented. The aim of this study is…

  16. 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...

  17. The New Intergovernmentalism in Financial Regulation and European Banking Union

    OpenAIRE

    Howarth, David; Quaglia, Lucia

    2015-01-01

    This contribution asks whether a new type of intergovernmentalism has emerged in financial services regulation and Banking Union. Since financial services are a key area of the single market, the chapter concludes by reflecting on whether the governance trends in the financial sector can be generalised to other areas of the single market. It is argued that the single market for financial services, which encompasses financial regulation and the plan for Banking Union, provides an interesting m...

  18. Determinants of the Internet Islamic Banking Services Adoption in Jordan

    Directory of Open Access Journals (Sweden)

    Loai Naser Mahmoud Alhawamdeh

    2017-12-01

     Implication: This researchpresents a conceptually yet empirically supported model to describe the factors influencing internet banking services and internet Islamic banking services. This research will be significant in several areas, by adding new knowledge for the academics, practitioners and organizations in general and particularly in Jordan

  19. 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...

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

    OpenAIRE

    Masami Imai; Peter Hull

    2012-01-01

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

  1. 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.

  2. Audit a hodnocení IS bank

    OpenAIRE

    Fleischmann, Martin

    2005-01-01

    Abstract (english) Objectives The main objective of this work is to design methods and proceadures enhancing effectiveness and efficiency of IT audit in banks with the accent given to their use by the supervisory authorities. Another objective of the work (and an essential starting point at the same time) is a summary and assesment of methods and proceadures developed and implemented into the CNB practice with regard to banking supervision in the area of information systems. Objectives Achiev...

  3. 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...

  4. 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...

  5. Assessing stream bank condition using airborne LiDAR and high spatial resolution image data in temperate semirural areas in Victoria, Australia

    Science.gov (United States)

    Johansen, Kasper; Grove, James; Denham, Robert; Phinn, Stuart

    2013-01-01

    Stream bank condition is an important physical form indicator for streams related to the environmental condition of riparian corridors. This research developed and applied an approach for mapping bank condition from airborne light detection and ranging (LiDAR) and high-spatial resolution optical image data in a temperate forest/woodland/urban environment. Field observations of bank condition were related to LiDAR and optical image-derived variables, including bank slope, plant projective cover, bank-full width, valley confinement, bank height, bank top crenulation, and ground vegetation cover. Image-based variables, showing correlation with the field measurements of stream bank condition, were used as input to a cumulative logistic regression model to estimate and map bank condition. The highest correlation was achieved between field-assessed bank condition and image-derived average bank slope (R2=0.60, n=41), ground vegetation cover (R=0.43, n=41), bank width/height ratio (R=0.41, n=41), and valley confinement (producer's accuracy=100%, n=9). Cross-validation showed an average misclassification error of 0.95 from an ordinal scale from 0 to 4 using the developed model. This approach was developed to support the remotely sensed mapping of stream bank condition for 26,000 km of streams in Victoria, Australia, from 2010 to 2012.

  6. Population and the World Bank.

    Science.gov (United States)

    Sankaran, S

    1973-12-01

    The World Bank Group regards excessive population growth as the single greatest obstacle to economic and social advance in the underdeveloped world. Since 1969 the Bank and the International Development Agency have provided countries with technical assistance through education, fact-finding, and analysis and given 65.7 million dollars for population projects. These projects, in India, Indonesia, Iran, Jamaica, and Malaysia provide training centers, population education, research, and evaluation as well as actual construction of clinics and mobile units. Because population planning touches sensitive areas of religion, caste, race, morality, and politics, the involved nation's political commitment to plan population growth is critical to the success of any program.

  7. CROSS-COUNTRY STUDY ON THE DETERMINANTS OF BANK FINANCIAL DISTRESS

    Directory of Open Access Journals (Sweden)

    Zhen-Jia-Liu

    2015-08-01

    Full Text Available Bank failures affect owners, employees, and customers, possibly causing large-scale economic distress. Thus, banks must evaluate operational risks and develop early warning systems. This study investigates bank failures in the Organization for Economic Co-operation and Development, the North America Free Trade Area (NAFTA, the Association of Southeast Asian Nations, the European Union, newly industrialized countries, the G20, and the G8. We use financial ratios to analyze and explore the appropriateness of prediction models. Results show that capital ratios, interest income compared to interest expenses, non-interest income compared to non-interest expenses, return on equity, and provisions for loan losses have significantly negative correlations with bank failure. However, loan ratios, non-performing loans, and fixed assets all have significantly positive correlations with bank failure. In addition, the accuracy of the logistic model for banks from NAFTA countries provides the best prediction accuracy regarding bank failure

  8. Brand building process of banking services

    Directory of Open Access Journals (Sweden)

    Filipović V.

    2006-01-01

    which clients choose a bank, adequate strategies for communication with a target group are created. Problems in the process of brand building areas as a consequence of the passive and undefined communication strategy, dissatisfaction of the users with overall bank service, and lack of the trust between a bank and its users. The further researches will relate to the quality research of brand building of banking services portfolios in Serbia and an impact of the concept of internal and integrated marketing communication in the process of building a corporate brand seen from the standpoint of managers working in banking sector.

  9. Maximizing the phylogenetic diversity of seed banks.

    Science.gov (United States)

    Griffiths, Kate E; Balding, Sharon T; Dickie, John B; Lewis, Gwilym P; Pearce, Tim R; Grenyer, Richard

    2015-04-01

    Ex situ conservation efforts such as those of zoos, botanical gardens, and seed banks will form a vital complement to in situ conservation actions over the coming decades. It is therefore necessary to pay the same attention to the biological diversity represented in ex situ conservation facilities as is often paid to protected-area networks. Building the phylogenetic diversity of ex situ collections will strengthen our capacity to respond to biodiversity loss. Since 2000, the Millennium Seed Bank Partnership has banked seed from 14% of the world's plant species. We assessed the taxonomic, geographic, and phylogenetic diversity of the Millennium Seed Bank collection of legumes (Leguminosae). We compared the collection with all known legume genera, their known geographic range (at country and regional levels), and a genus-level phylogeny of the legume family constructed for this study. Over half the phylogenetic diversity of legumes at the genus level was represented in the Millennium Seed Bank. However, pragmatic prioritization of species of economic importance and endangerment has led to the banking of a less-than-optimal phylogenetic diversity and prioritization of range-restricted species risks an underdispersed collection. The current state of the phylogenetic diversity of legumes in the Millennium Seed Bank could be substantially improved through the strategic banking of relatively few additional taxa. Our method draws on tools that are widely applied to in situ conservation planning, and it can be used to evaluate and improve the phylogenetic diversity of ex situ collections. © 2014 Society for Conservation Biology.

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. Banking Audit - Towards a Higher Degree of Harmonization

    Directory of Open Access Journals (Sweden)

    Adela Socol

    2016-11-01

    Full Text Available In the last decade, the role and nature of the statutory audit of credit institutions have became controversial, on the base of reconsidering the importance of audit of credit institutions in prevention, detection and managing of the financial crisis. The aim of the study is critical analysis of key aspects regarding the contemporary banking audit, with an emphasis on aspects that affect the quality of banking audit (normative, procedural and organisational aspects of banking audit, the “auditable” character of some banking elements etc. and on the tipology of audit reports of credit institutions (Audit Report to the General Meeting of Shareholders, Additional Report to the Audit Committee of the credit institution, Reports to banking supervisors and Transparency report of auditor. The paper analyses for 27 European states the way in which banking auditors report on the conformity of the credit institution with organisational regulatory rules, regulatory requirements, financial reports to supervisors or special reports to supervisors. The conclusions bring to the foreground major normative changes in the area of the European credit institutions, through reforming strategies of banking audit, through a gradual and an inscreasingly restrictive progress of audit activities and of independence requirements, rotation of auditors, reporting and transparency of credit institutions.

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

    NARCIS (Netherlands)

    Minto, Andrea; McCormick, Roger

    2014-01-01

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

  16. 78 FR 76189 - Supplemental Environmental Impact Statement for the Route 460 Location Study, Prince George...

    Science.gov (United States)

    2013-12-16

    ... DEPARTMENT OF TRANSPORTATION Federal Highway Administration Supplemental Environmental Impact Statement for the Route 460 Location Study, Prince George County to Suffolk, Virginia AGENCY: Federal... roughly parallel to the existing Route 460 corridor between Interstate 295 in Prince George County and...

  17. 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...

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

    Directory of Open Access Journals (Sweden)

    Rudy Haryanto Rudy Haryanto

    2012-07-01

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

  19. Rebuilding fish communities: the ghost of fisheries past and the virtue of patience.

    Science.gov (United States)

    Collie, Jeremy; Rochet, Marie-Joëlle; Bell, Richard

    2013-03-01

    The ecosystem approach to management requires the status of individual species to be considered in a community context. We conducted a comparative ecosystem analysis of the Georges Bank and North Sea fish communities to determine the extent to which biological diversity is restored when fishing pressure is reduced. First, fishing mortality estimates were combined to quantify the community-level intensity and selectivity of fishing pressure. Second, standardized bottom-trawl survey data were used to investigate the temporal trends in community metrics. Third, a size-based, multispecies model (LeMans) was simulated to test the response of community metrics to both hypothetical and observed changes in fishing pressure in the two communities. These temperate North Atlantic fish communities have much in common, including a history of overfishing. In recent decades fishing pressure has been reduced, and some species have started to rebuild. The Georges Bank fishery has been more selective, and fishing pressure was reduced sooner. The two communities have similar levels of size diversity and biomass per unit area, but fundamentally different community structure. The North Sea is dominated by smaller species and has lower evenness than Georges Bank. These fundamental differences in community structure are not explained by recent fishing patterns. The multispecies model was able to predict the observed changes in community metrics better on Georges Bank, where rebuilding is more apparent than in the North Sea. Model simulations predicted hysteresis in rebuilding community metrics toward their unfished levels, particularly in the North Sea. Species in the community rebuild at different rates, with smaller prey species outpacing their large predators and overshooting their pre-exploitation abundances. This indirect effect of predator release delays the rebuilding of community structure and biodiversity. Therefore community rebuilding is not just the sum of single

  20. St George the dragon-slayer at Prague Castle - the eternal pilgrim without a home?

    Czech Academy of Sciences Publication Activity Database

    Benešovská, Klára

    2007-01-01

    Roč. 55, č. 1 (2007), s. 28-39 ISSN 0049-5123 Institutional research plan: CEZ:AV0Z80330511 Keywords : Gothic bronze sculpture * St George the dragon -slayer * Martin and George of Cluj * Prague Castle Subject RIV: AL - Art, Architecture, Cultural Heritage http://www.umeni-art.cz/cz/soubory/benesovska.pdf

  1. Access to rural banking credit by agribusiness investors in Ahiazu ...

    African Journals Online (AJOL)

    This paper examines access to rural banking credit by agribusiness investors and issues for policies in Ahiazu Mbaise local government area of Imo state. The work is important because the existence of limited access of agribusiness investors to formal rural banking credit and extension services is provided by extension ...

  2. Access to bank finance for Scottish SMEs.

    OpenAIRE

    North, David J.; Baldock, Robert; Deakins, David; Whittam, Geoff

    2008-01-01

    There is evidence that some SMEs may still face difficulties in accessing bank finance from lenders (CEEDR, 2007). This paper reports an in-depth study into demand and supply side issues relating to access to bank finance by Scottish SMEs and whether there is still market\\ud failure associated with good, bankable business cases from SMEs that do not receive finance. We argue that our study utilises innovative methodology and is relatively rare as a robust study in this area. We combine demand...

  3. George A. Miller (1920–2012)

    OpenAIRE

    Pinker, Steven

    2013-01-01

    Presents an obituary for George A. Miller (1920—2012). Miller ranks among the most important psychologists of the 20th century. In addition to writing one of the best known papers in the history of psychology (“The Magical Number Seven, Plus or Minus Two: Some Limits on Our Capacity for Processing Information,” published in Psychological Review in 1956), Miller also fomented the cognitive revolution, invented psycholinguistics and cognitive psychology, imported powerful ideas from the theorie...

  4. Autobiography of Sir George Biddell Airy

    Science.gov (United States)

    Airy, George Biddell; Airy, Wilfred

    2010-06-01

    Preface; 1. Personal sketch of George Biddell Airy; 2. From his birth to his taking his B.A. degree; 3. At Trinity College, Cambridge; 4. At Cambridge Observatory; 5. At Greenwich Observatory, 1836-1846; 6. At Greenwich Observatory, 1846-1856; 7. At Greenwich Observatory, 1856-1866; 8. At Greenwich Observatory, 1866-1876; 9. At Greenwich Observatory to his resignation in 1881; 10. At the White House, Greewich, to his death; Appendix: List of printed papers; Index.

  5. 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....

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

    Science.gov (United States)

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

    2007-01-01

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

  7. Investigating the effects of using the balanced scorecard on Islamic banks' performance

    OpenAIRE

    AlSatrawi, AH

    2017-01-01

    Background:\\ud Islamic Banking follows the principles and rules of Islamic dealings; it is also governed by Sharia Law and thus adheres to stringent Sharia rules and principles. The operations of such banks are in conjunction with Islamic teachings and therefore it is compulsory that they be in harmony with the Sharia agreements. Over the last three decades, Islamic Banking has experienced global growth\\ud and now covers almost all business areas in the banking industry. On the other hand, co...

  8. LIQUIDITY ANALYSIS OF STATE BANK OF INDIA

    Directory of Open Access Journals (Sweden)

    Kumar Gandhi R

    2011-12-01

    Full Text Available Modern customer has a high demand for quality of service than he/she had before. There is an urgent need for improving the customer service levels currently provided in the banking industry. Banks need to understand, foresee, the needs and expected levels of customer support which the customer expects when he/she steps into the branch and strive to stand up and excel in providing the service and making banking a truly delightful experience. The banker should change his/her agenda from Customer Satisfaction to Customer delight and then march towards Customer Ecstasy. This will be possible by maintaining the financial soundness of the firm. In this connection it has been given importance through this study. Since most of the Banking slightly deviate into the other areas like insurance, financial services and modern banking services such as Advisory services, Agent for receivables, custodian, instant loan provider, Forfeiter services and factoring services. A conscious attempt has been made to analysis the liquidity of state bank of India (SBI. The present study aimed to understand the financial soundness of the bank, the ratio analysis taken as tool. In this research work the secondary data mainly used, it has been collected in the form of the company manuals, Balance sheets and other documents. The data analyzed by some of the statistical tools such as ANOVA test and Multi variate test is used to analyze the interferences about the operating efficiency.

  9. Catalog of the George Alan Connor Esperanto Collection.

    Science.gov (United States)

    Smith, Karin, Comp.; Haake, Susan, Comp.

    This catalog inventories the collection of books, monographs, serials and periodicals, dictionaries, pamphlets, ephemera, and correspondence concerning Esperanto in the collection of George Alan Connor housed at the University of Oregon Library. Overall, the catalog contains approximately 475 serial entries and 3,000 author entries. Connor was a…

  10. 76 FR 65698 - Magnuson-Stevens Act Provisions; General Provisions for Domestic Fisheries; Application for...

    Science.gov (United States)

    2011-10-24

    ... Atlantic surfclam and ocean quahog Georges Bank Closure Area to continue testing the safety and efficacy of... research project that has been ongoing since 2006. NMS has made a preliminary determination that the...: http://www.nero.noaa.gov/sfd/clams . This project is a pilot program with the goal of determining if...

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

    Directory of Open Access Journals (Sweden)

    Virimai Mugobo

    2015-11-01

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

  12. Waste Bank Revitalization in Palabuhanratu West Java

    Science.gov (United States)

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

    2018-02-01

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

  13. 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.

  14. 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...

  15. The morphology and structure of the Hannibal Bank fisheries management zone, Pacific Panama using acoustic seabed mapping

    Directory of Open Access Journals (Sweden)

    Sarah Cunningham

    2013-12-01

    Full Text Available The Hannibal Bank sits within the Coiba UNESCO World Heritage Site in Pacific Panama and is also a fisheries management zone. Despite the protected status of the area and the importance of the Bank for commercial fish species such as snapper and tuna, the seamount has received no detailed survey except some collection of organisms. This study mapped the major topographic features and complexity of the Hannibal Bank seamount using acoustic remote sensing. A survey area of around 125km² was defined using existing charts and side-scan sonar data were collected during July 2008. A bathymetric output was imported to ArcGIS where a digital bathymetric model and slope map were created. The Benthic Terrain Modeler BTM extension for ArcGIS was used to calculate bathymetric position index and rugosity, and used to create a map of zones representing the various seabed morphology zones. The Hannibal bank is an elongated, triangular guyot flat topped seamount, which ranges in depth from 53m to 416m, covers an area of 76km² and is 14.4km long and 7.1km wide. Hannibal bank is composed of steep slopes, more gentle slopes, top of the seamount, crests elevated ridges at the top of the pinnacles, rugose areas on crests, top of seamount and slope, gullies and pinnacles. The bank is asymmetric in nature with the Northerly side having a relatively gentle slope with gullies across the surface compared to the SouthWest side which is far steeper and more rugose. There are two pinnacles to the North and South East of the bank that range in depth from 180 to 333m. Rocky substrate makes up 22.6km² of the bank and sediment 37.8km². The bank and its steeply sided, rugose areas and pinnacles provide upright structures which can disrupt and topographically enhance currents, increasing productivity. The rugose areas of Hannibal Bank should be primary targets for further research efforts as they may contain corals and their rugosity indicates that these should be some of the

  16. The morphology and structure of the Hannibal Bank fisheries management zone, Pacific Panama using acoustic seabed mapping.

    Science.gov (United States)

    Cunningham, Sarah; Guzman, Hector M; Bates, Richard

    2013-12-01

    The Hannibal Bank sits within the Coiba UNESCO World Heritage Site in Pacific Panama and is also a fisheries management zone. Despite the protected status of the area and the importance of the Bank for commercial fish species such as snapper and tuna, the seamount has received no detailed survey except some collection of organisms. This study mapped the major topographic features and complexity of the Hannibal Bank seamount using acoustic remote sensing. A survey area of around 125 km2 was defined using existing charts and side-scan sonar data were collected during July 2008. A bathymetric output was imported to ArcGIS where a digital bathymetric model and slope map were created. The Benthic Terrain Modeler (BTM) extension for ArcGIS was used to calculate bathymetric position index and rugosity, and used to create a map of zones representing the various seabed morphology zones. The Hannibal bank is an elongated, triangular guyot (flat topped seamount), which ranges in depth from 53m to 416m, covers an area of 76 km2 and is 14.4 km long and 7.1 km wide. Hannibal bank is composed of steep slopes, more gentle slopes, top of the seamount, crests (elevated ridges at the top of the pinnacles), rugose areas (on crests, top of seamount and slope), gullies and pinnacles. The bank is asymmetric in nature with the Northerly side having a relatively gentle slope with gullies across the surface compared to the SouthWest side which is far steeper and more rugose. There are two pinnacles to the North and South East of the bank that range in depth from 180 to 333 m. Rocky substrate makes up 22.6 km2 of the bank and sediment 37.8 km2. The bank and its steeply sided, rugose areas and pinnacles provide upright structures which can disrupt and topographically enhance currents, increasing productivity. The rugose areas of Hannibal Bank should be primary targets for further research efforts as they may contain corals and their rugosity indicates that these should be some of the highest

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

    Directory of Open Access Journals (Sweden)

    Florin Alexandru LUCA

    2016-06-01

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

  18. 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.

  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. 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.

  1. 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.

  2. Learning from eponyms: George F. Odland and Odland bodies

    Directory of Open Access Journals (Sweden)

    Rajiv Joshi

    2014-01-01

    Full Text Available Odland bodies (lamellar bodies are small sub-cellular structures of size 200-300 nm that are present in the upper spinous and granular cell layers of the epidermis. These act as processing and repository areas for lipids that contribute to the epidermal permeability barrier. They also contain proteases, cathepsin D, kallikrein and other proteins including corneo-desmosins. Recent information also credits them with a role in the local innate immune response as they contain beta 2 defensins, which are anti-microbial peptides with potent activity against Gram-negative bacteria and candida. Odland bodies are important for maintaining homeostasis of the epidermis and are involved in epidermal permeability barrier function, desquamation of keratinocytes, formation of the cornified envelope and in local anti-microbial immunity. This article reviews the structure and functions of these bodies with a brief biography of George F. Odland who first described these bodies in 1960 and whose name is eponymically associated with them.

  3. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

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

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

    OpenAIRE

    Dr. S. Anthony Rahul Golden

    2016-01-01

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

  5. COST EFFICIENCY LEVEL OF RURAL BANKS IN EAST JAVA

    Directory of Open Access Journals (Sweden)

    Abdul Mongid

    2017-03-01

    Full Text Available Abstract: Rural Bank (BPR was an important part of financial service industry in Indonesia.Their pivotal role on lending to SMEs in the rural area made their existence very strategic torural development. However, due to its operational scale, rural bank charged higher interestrate than commercial bank. The study estimated the cost efficiency of rural banks usingparametric approach. The result found that rural bank efficiency was very high. The two yearcost efficiency estimated using frontier 4.1 was 95% and median was 100%. The lowest of costefficiency level was 32%. It meant cost inefficiency of the banks under investigated was around10%. The cost efficiency level in 2006 was on average 95% and the median was 100%. It meantthat 50% or more of the observation enjoyed 100% cost efficiency. The minimum was only67%. It meant they operated at very efficient level, leaving only 5% inefficiency. In 2007, adramatic change on efficiency level was going on. The average efficiency was dropped from11% to 89.9% due to increase on interest rate and price level.

  6. 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.

  7. Social Media Marketing – Analysis of Online presence of Slovak banks

    Directory of Open Access Journals (Sweden)

    Tomas Feige

    2013-07-01

    Full Text Available Paper focuses on areas of Social Media Marketing and Social Network Analysis. It describes case-study of joint university-business project of analysis of online presence of Slovak banks which took place in cooperation with IBM CZ in early 2012. This project was aimed at general analysis of online presence of Slovak banks, uncovering the structure of various channels and forms of bank-customer interaction and identifying key actors in banks social networks along with general sentiment and climate. Paper gives a general overview of the project and its challenges and presents high-level results.

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Yen Sun

    2011-11-01

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

  10. A Conference on Postcrisis Banking

    NARCIS (Netherlands)

    Beck, Thorsten; de Haan, Jakob; Deyoung, Robert

    This article provides an introduction to the special issue. We focus on four themes that are important for policymakers and researchers alike in view of the experiences of the global financial crisis of 2007-09 and the ensuing sovereign debt crisis in the euro area: the relevance of the banking

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

    Directory of Open Access Journals (Sweden)

    Muhammad Shakil AHMAD

    2011-01-01

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

  12. IMPORTANCE OF THE EUROPEAN BANKING UNION NEW DIRECTIVES

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2014-10-01

    Full Text Available European Banking Union has set new rules on monetary market especially for credit institutions and for financial banking groups in general. Economic and monetary union requires accomplishment of political and monetary union and democratic control of the European institutions on a single financial market. In this respect through its management organisms, EU has designed a series of unique mechanisms of financial union and called for a fiscal union. Union of European financial market is possible through a new regulation of the markets. In this project, monetary union of the EU member countries is possible by implementing single mechanism of supervision (Single Supervisory Mechanism and single mechanism of resolution (Single Resolution Mechanism. European Banking Union may be made by monitoring of a single banking supervisor based on a common system for managing and resolving banking crises and a uniform system of protecting people's savings. Romania opted for these unique mechanisms of macro-prudential supervision of the financial system. And by performing the real convergence criteria of integration, Romania will have all conditions of integration in the ,,euro area,,.

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

    Science.gov (United States)

    Iyengar, Jhumkee; Belvalkar, Manisha

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  15. Assessment of Electronic Banking Service's Impact on the Economic Parameters of the Bank Activity

    Science.gov (United States)

    Kiselev, Sergey V.; Chernyavskaya, Yana S.; Bardasova, Eleonora V.; Galeeva, Gulnaz M.; Fazlieva, Elena P.; Krokhina, Julia A.

    2016-01-01

    The relevance of the study: The relevance of the research problem is conditioned by the intensification of innovative processes in modern economy and in the banking sector, in particular, as one of the most sensitive areas for innovation and innovative types of services and information and communication innovations today is one of the major…

  16. 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’

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

    Directory of Open Access Journals (Sweden)

    ELENA SILVIA DINCULESCU

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Selly Maulina

    2016-12-01

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

  20. Early-onset psychosis in an adolescent with DiGeorge syndrome: A case report

    Directory of Open Access Journals (Sweden)

    Keneilwe Molebatsi

    2018-02-01

    Full Text Available DiGeorge syndrome (DGS was first described in 1829 by Dr Angelo DiGeorge. DGS is a cluster of symptoms because of a defect in the development of the pharyngeal pouch. Evidence from cytogenetic studies has linked the pathogenesis of DGS with a deletion of a gene located in chromosome 22-band 22q11. In most affected individuals, the deletion is de novo; however, inheritance has been reported in 10% – 25% of patients. DGS commonly presents with a classical triad of conotruncal cardiac anomalies, hypoplastic thymus and hypocalcaemia. DGS may be of focus to a psychiatrist as it is associated with cognitive deficits, high rates of schizophrenia and anxiety disorders. Patients may also present to mental health care workers with learning disabilities, developmental delay and behavioural disorders such as attention-deficit or hyperactivity disorder. Mental health workers therefore play an invaluable role in the diagnosis and timely treatment of the disorder. In a resource-limited area such as Botswana, with scarce mental health professionals, paediatricians and neurologists, DGS may be frequently misdiagnosed with consequent inappropriate interventions that may increase morbidity. Herein, we present a case to raise awareness and demonstrate one of the varied ways the syndrome may present. The multifaceted nature of DGS presentation underscores the need for a multidisciplinary approach to treatment.

  1. The Sources of Efficiency of the Nigerian Banking Industry: A Two- Stage Approach

    Directory of Open Access Journals (Sweden)

    Frances Obafemi

    2013-11-01

    Full Text Available The paper employed a two-stage Data Envelopment Analysis (DEA approach to examine the sources oftechnical efficiency in the Nigerian banking sub-sector. Using a cross sectionof commercial and merchant banks, the study showed that the Nigerian bankingindustry was not efficient both in the pre-and-post-liberalization era. Thestudy further revealed that market share was the strongest determinant oftechnical efficiency in the Nigerian banking Industry. Thus, appropriatemacroeconomic policy, institutional development and structural reforms mustaccompany financial liberalization to create the stable environment requiredfor it to succeed. Hence, the present bank consolidation and reforms by theCentral Bank of Nigeria, which started with Soludo and continued with Sanusi,are considered necessary, especially in the areas of e banking and reorganizingthe management of banks.

  2. 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 ...

  3. Bank Ethics:An Empirical Investigation of the Banking in China

    Institute of Scientific and Technical Information of China (English)

    刘春红; 宋玮

    2004-01-01

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

  4. THE ONEIRIC AUTOBIOGRAPHY OF GEORGES PEREC.

    Science.gov (United States)

    Schwartz, Henry P

    2016-01-01

    Georges Perec's book La Boutique Obscure (1973; translated into English in 2012) serves as the basis for this paper. The book is a collection of dreams that its author dreamed from May 1968 to August 1972. The present author treats these dreams as chapters in a bizarre autobiography, elaborating Perec's life through a discussion of those dreams and using them as a starting point with which to discuss his views of dream interpretation and the role of dreams in psychoanalysis. © 2016 The Psychoanalytic Quarterly, Inc.

  5. Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

    Directory of Open Access Journals (Sweden)

    Farhan Ahmed

    2018-01-01

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

  6. Georges et le code secret

    CERN Document Server

    Hawking, Lucy; Parsons, Gary

    2015-01-01

    À Foxbridge, Georges et Annie s'ennuient, ils rêvent de repartir dans l'espace pour de nouvelles aventures intergalactiques. Pourtant, sur la terre ferme, il se passe des choses étranges... L'argent s'envole des distributeurs de billets, les avions refusent de décoller et les caisses enregistreuses des supermarchés ne fonctionnent plus... Quel chaos ! Il semblerait qu'un bug planétaire ait déréglé tous les systèmes informatiques. S'ils veulent découvrir ce qui se cache derrière tout ça, les deux amis devront voyager plus loin que jamais dans l'espace...

  7. Georges Perec's literary staging

    Directory of Open Access Journals (Sweden)

    Ewelina Woźniak-Czech

    2017-12-01

    Full Text Available The purpose of this sketch to present Georges Perec’s work in the context of drama. As Perec wrote just one play for the theater, it’s hard to call him a dramatist. However, it is easy to see that all the literary tricks he uses in his works are a part of a well-thought-out game. The author of Life a User’s Manual employs and interweaves various literary conventions, prompts dialogue between his own works and draws the reader into the very center of his tricks, nuances and simulations. Perec’s writing could be deemed a pure act of dramatization, where the author himself, to some extent, takes on the role of director, making his audience not so much the recipients of his texts but the actors performing them.

  8. George Gamow: Scientific Amateur and Polymath

    Science.gov (United States)

    Harper, Eamon

    George Gamow (1904-1968) was among the first of the many brilliant scientists who forsook Europe for the United States in the early 1930s. Although most were fleeing the fascist imperium of Hitler and Mussolini, Gamow was one of a few who managed to escape the burgeoning despotism of Stalin in the Soviet Union. His early application of quantum mechanics to the atomic nucleus and his subsequent insight into the role played by the physics of the atom and its nucleus in stars, galaxies, and the universe identifies him as a scientist of unusual genius. Gamow displayed a boisterous, infectious - almost Rutherfordian - interest in all aspects of pure science. His interests were broad and his industry prodigious. His scientific output covered areas as diverse as nuclear physics, astrophysics, cosmology, biological genetics, and the fascinating question of the relationship of the large-scale structure and development of the universe to the properties of elementary particles and fields. He also was an immensely imaginative and prolific author of popular expositions on scientific subjects. One who is as well-known for his authorship of the Mr. Tompkins series of science popularizations as for his contributions to the development of the physical consequences of the big-bang theory of the expanding universe and the prediction of the cosmic background radiation must be unique in the scientific pantheon.

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

    Directory of Open Access Journals (Sweden)

    Dr. Irwan Ch

    2017-06-01

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

  10. THE IMPACT OF BANKING SERVICES QUALITY ON CREDIT INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Dinculescu Elena-Silvia

    2011-09-01

    Full Text Available Taking into account the increasing competition between commercial Romanian banks, there is a real problem to come up with new clients or to preserve the old ones. Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition imposement. Banks being aware of the quality problems also lead to the appearance and requirement of some area working standards. Standards imposing and issuing together with the performance measure system are to be the main elements of a quality programme. The general aim of this study is to offer a practical perspective on the quality of services in order to reinforce certain concepts such as: typology (technical quality versus functional quality, the dimensions and the evaluation of quality. By analyzing the dimensions of quality, the measurement modalities and their improvement, the present research offers instruments for understanding the significance of this „irreproachable service”.

  11. IS THE ROMANIAN BANKING SYSTEM INTEGRATED INTO THE EUROPEAN ONE? A MONEY MARKET PERSPECTIVE

    OpenAIRE

    LOVIN Horatiu

    2012-01-01

    The study aims to analyze contagion risk from euro area money market to the Romanian one since the onset of global financial crisis (October 2008). Most banks in Romania are owned by financial institutions located into euro area, resulting in a strong connection between the two banking systems. The empirical results reveal linkages between the euro area money market and the Romanian one, but also partial decoupling during the sovereign debt crisis within euro area, when volatility jumped on e...

  12. La politique commerciale de George W. Bush : rupture ou continuité ? American Trade Policy under George W. Bush: Continuity or Change?

    Directory of Open Access Journals (Sweden)

    Jean-Baptiste Velut

    2010-03-01

    Full Text Available Cet article se propose de dresser un bilan critique de la politique commerciale du Président George W. Bush. Dans un premier temps, il compare les perspectives idéologiques et les ambitions politiques du leader républicain à celles de son prédécesseur démocrate, Bill Clinton, avant de mettre l’accent sur les nouvelles données du contexte politique et économique des années 2000. Ces éléments introductifs serviront de fondations, d’une part, pour l’étude de la gestion des relations commerciales entre les États-Unis et leurs principaux partenaires économiques, et d’autre part pour l’analyse de la stratégie de « libéralisation compétitive » adoptée par George W. Bush aux niveaux multilatéral, régional et bilatéral. L’objectif est double : déterminer les lignes de rupture et de continuité entre le président républicain et son prédécesseur ; et établir un bilan des principales initiatives commerciales lancées par l’administration Bush dans le but de mieux comprendre les nouveaux défis intérieurs et internationaux auxquels son successeur sera confronté.This article offers a critical assessment of American trade policy under George W. Bush. It begins by comparing his views and political ambitions with those of his Democratic predecessor, Bill Clinton, before highlighting the new political and economic context of the 2000s. These elements provide crucial background, first to study the evolution of America’s relations with its top trading partners and second to analyze the strategy of “competitive liberalization” undertaken by the administration at the multilateral, regional and bilateral levels. This article has two objectives: 1 determining trends of continuity and change between George W. Bush and his predecessor; 2 assessing the trade policy initiatives undertaken by the Republican administration in order to understand the domestic and international challenges with which the next President

  13. Dealing with the vulnerability of the Italian banking system

    Directory of Open Access Journals (Sweden)

    Elisabetta Montanaro

    2017-12-01

    Full Text Available The major vulnerabilities of the Italian banking system are the overhang of NPLs and low profitability. Differently from the attention given to excesses of NPLs, the profitability problem is normally considered to be a matter to be left to bank management and not an area of explicit direct regulatory action. Although focusing on capital requirements, regulators and supervisors seldom pose the question of where capital comes from. Using a large sample of 410 Italian domestic banking groups and individual banks, we propose an NPL stress test and a viability test that show: that the system’s vulnerability is a widespread phenomenon; that a further recapitalisation of around ten billion euro is necessary; and that, more importantly, limiting interventions to the overhang problem does not put the majority of Italian banks into a viability path due to the inefficiencies coming from their current business models. The analysis of the Italian case strengthens the critique of current regulation and supervision because, not focusing on bank profitability, they do not avoid threats on solvency coming from the accumulation of NPLs. We thus argue that the structural changes necessary to put the Italian banking system into a viable path require new regulatory and supervisory approaches.

  14. 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

  15. An Exploratory Introduction towards Internet Banking English

    Directory of Open Access Journals (Sweden)

    Ricardo Casañ Pitarch

    2016-03-01

    Full Text Available The aim of research on language for specific purposes is to explain how particular forms of the language are used in any given context. Nowadays, banks need to offer their services and products via Internet in order to keep themselves competitive in the current globalized market, as it happens with any other industry or academic field. Therefore, research on specific language is necessary for any professional involved in that given particular area in order to understand and reproduce texts of the same nature. This paper introduces a bibliography review about the features that determine the language used by banks in their websites. This paper begins with the definitions of ‘bank’ and ‘banking’ and moves towards the principles of ‘Internet banking’, specifying some general and specific features of its particular language forms and most common uses. This introduction towards the language used by banks on the Internet is expected to be used as some basic guidelines for professionals interested in the field of banks and linguistics to deal with this variety of language for specific purposes.

  16. Modification of meander migration by bank failures

    Science.gov (United States)

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

    2014-05-01

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

  17. Heroes of Danajon Bank | IDRC - International Development ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    2011-01-27

    Jan 27, 2011 ... Marine protected areas (MPAs) have been strongly endorsed as a management option for the Danajon Bank, as for other tropical .... Related articles ... Thousands of events and competitions in 160 countries mark Global ...

  18. 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.

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

    Directory of Open Access Journals (Sweden)

    Anamika Singh

    2016-06-01

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

  20. 75 FR 65442 - Magnuson-Stevens Fishery Conservation and Management Act Provisions; Fisheries of the...

    Science.gov (United States)

    2010-10-25

    ... increase in biomass and recruitment on Georges Bank and off Long Island, NY. Based on this information, the..., stock recruitment, projected fishing effort and catches, and areas closed to fishing. In June 2010, the... Quahogs \\3\\ 100,000 35,240 100,000 35,240 100,000 35,240 \\1\\ Numerical values are in millions except for...

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

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2017-02-01

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

  2. 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 ...

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

    Science.gov (United States)

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

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Nsiah K. Acheampong

    2013-12-01

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

  5. The Single Supervisory Mechanism: the Building Pillar of the European Banking Union

    Directory of Open Access Journals (Sweden)

    Luigi Chiarella

    2016-07-01

    Full Text Available One of the lessons learned from the 2008 financial crisis is that when a bank in Europe goes into trouble the ensuing effects can reach far beyond the immediate threat to its depositors and shareholders. In particular, the crisis has revealed the extent to which irresponsible behavior in the banking sector could undermine the foundations of the financial system and threaten the real economy, turning a banking crisis into a sovereign debt crisis as occurred in the eurozone in 2011. In response to this lesson, Member States first tried to address the systemic fragility of their banking systems through national policy tools, but countries that share a common currency and are more interdependent required more integrated responses. Therefore, at the euro area summit in June 2012, the European Council agreed to break the vicious circle between banks and sovereign debt and decided to create a banking union that would allow a centralized supervision for banks in the euro area through a newly established Single Supervisory Mechanism (SSM and a centralized resolution scheme. The SSM became operational in November 2014 and represents the building pillar of the banking union. The purpose of this paper is then to provide, after a brief description of the background (Par. 1, an analysis of the Single Supervisory Mechanism, illustrating its functioning (Par. 2, then focusing on the position and the powers of the ECB within it (Par. 3 and finally pointing out some remarks on the potential weaknesses of the new regime (Par. 4.

  6. Areva's challenge for ''Georges Besse 2''

    International Nuclear Information System (INIS)

    Jemain, A.

    2003-01-01

    For its future uranium enrichment plant of its Tricastin site (Drome, France), the world nuclear leader Areva has abandoned the gaseous diffusion technique (of French origin) for the centrifugation technique, more economical and modular. This future plant, named 'Georges Besse 2' will require 3 billions of euros of investment and will supply a world market also estimated to 3 billions of euros and shared between Areva, Urenco (UK), Usec (US), Minatom (Russia), JNC (Japan) and CNNC (China). The first batches of enriched uranium will be produced using a thousand of centrifuges by 2007. (J.S.)

  7. 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 ...

  8. Bank Control and the Number of Bank Relations of Japanese Firms

    NARCIS (Netherlands)

    Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

    2005-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Rossazana Ab-Rahim

    2017-08-01

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

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

    Directory of Open Access Journals (Sweden)

    Shijaku Gerti

    2017-09-01

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

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

    Directory of Open Access Journals (Sweden)

    Sarwar Uddin Ahmed

    2014-11-01

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

  12. 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...

  13. A study for bank effect on ship traffic in narrow water channels using cellular automata

    Science.gov (United States)

    Sun, Zhuo; Cong, Shuang; Pan, Junnan; Zheng, Jianfeng

    2017-12-01

    In narrow water channels, bank might affect nearby ships due to hydrodynamic forces (bank effect). To avoid accidents, different sailing rules (i.e., lane-changing, speed control) are required. In this paper, a two-lane cellular automata model is proposed to evaluate such phenomena. Numerical experiments show that ships will form a “slow-moving chunk” in the bank area, which will significantly block the flux. As further study demonstrated to alleviate bank effect, ship speed and bank length should be controlled.

  14. ECOPHYSIOLOGICAL ANALYSIS OF GENIPA AMERICANA L. SEEDS IN AN INDUCED SOIL SEED BANK

    Directory of Open Access Journals (Sweden)

    Francesca Salla

    2016-03-01

    Full Text Available This work studied the behavior of G. americana L. (Rubiaceae seeds in an induced soil seed bank. This study was conducted in Lavras-MG in a seasonal semideciduous forest of the Federal University of Lavras. Seeds collected in the area were cleaned and analyzed (water content, viability and desiccation tolerance. Soil banks were installed in two distinct areas (top of hill and riparian forest located in the understory of the forest. Seeds were placed in nylon nets and covered with a thin litter layer that was previously removed for this purpose. Monthly assessment of germination, seedling emergence, seed and soil water content, and the characterization of the initial seedling growth was performed. It was observed that G. americana seeds forms a transitory seed bank, with maintenance of its viability until the fourth month after disposal in natural environment. In general, the seed bank located in the riparian forest area showed the best potential for seedling establishment in a natural environment, which supports the ecological behavior of this species.

  15. Big George to Carter Mountain 115-kV transmission line project, Park and Hot Springs Counties, Wyoming. Environmental Assessment

    Energy Technology Data Exchange (ETDEWEB)

    1994-02-01

    The Western Area Power Administration (Western) is proposing to rebuild, operate, and maintain a 115-kilovolt (kV) transmission line between the Big George and Carter Mountain Substations in northwest Wyoming (Park and Hot Springs Counties). This environmental assessment (EA) was prepared in compliance with the National Environmental Policy Act (NEPA) and the regulations of the Council on Environmental Quality (CEQ) and the Department of Energy (DOE). The existing Big George to Carter Mountain 69-kV transmission line was constructed in 1941 by the US Department of Interior, Bureau of Reclamation, with 1/0 copper conductor on wood-pole H-frame structures without an overhead ground wire. The line should be replaced because of the deteriorated condition of the wood-pole H-frame structures. Because the line lacks an overhead ground wire, it is subject to numerous outages caused by lightning. The line will be 54 years old in 1995, which is the target date for line replacement. The normal service life of a wood-pole line is 45 years. Under the No Action Alternative, no new transmission lines would be built in the project area. The existing 69-kV transmission line would continue to operate with routine maintenance, with no provisions made for replacement.

  16. The role of the European Bank in the energy sector

    International Nuclear Information System (INIS)

    Coleman, J.

    1993-01-01

    The European Bank for Reconstruction and Development was established in 1991 to assist central and eastern European countries in making the transition from command economies to market economies. The Bank provides loans, equity investments, guarantees, advice, and technical cooperation to qualified applicants through its merchant banking and development banking operations. In the energy sector, the Bank recognizes that the energy resources of eastern Europe are enormous but so are the problems associated with their development. Since its foundation, most of the Bank's energy-related lending has been in the oil and gas sector in Russia and the Baltic countries. The Bank has approved eight projects in that sector with total capital costs of ca US$1.7 billion. Major problem areas to be overcome include uneconomic domestic pricing, high energy intensity and pollution, inadequate legal frameworks, inappropriate tax structures, and institutional complexity. Canadian firms have been actively involed in Bank-financed projects in the Russian oil and gas sector, and two such projects are briefly described. They comprise joint ventures with Russian enterprises or associations and include rehabilitation of Siberian oil fields and drilling new wells in the Komi (Arctic) region. A common feature of these projects is that they were well under way before the Bank got involved, but the Bank brings the benefits of additional financing and providing moral support and expertise which can be useful in overcoming administrative and regulatory difficulties

  17. The Second Administration of George W. Bush and U.S.-Russia Relations

    Directory of Open Access Journals (Sweden)

    Rybalko Olga

    2014-12-01

    Full Text Available This article is devoted to the analysis of changes in the U.S.-Russia relationships during the presidency of George W. Bush and to the detection of the origins of these changes. The attention is paid to conceptual foreign policy views of the most influential members of administration. The renewal of staff in U.S. administration was one of the important factors of toughening the Russian course of the American foreign policy. At the beginning of the second presidency of George Bush the ratio of forces in the American Congress changed. Opposition forces received the majority in the Congress. This circumstance became the other reason of change of the U.S.-Russia relationships. The bilateral relations during the specified period were complicated by aspiration of the USA to strengthen the influence on the territories of the Post-Soviet states. It caused discontent of Moscow. At the same time, some aspects of the Russian-Iranian nuclear cooperation caused criticism of Washington. The role of personal diplomacy is noted as a factor of forming bilateral relations. During the second term of the presidency of George W. Bush this factor didn't lose its value in comparison with the first term. The article gives the assessment of work of the Bush’s second administration at the Russian direction. The author notes the American focus on the strategy of “selective partnership” with Russia. The conclusion is drawn on George Bush's aspiration to preservation of balance in the U.S.-Russia relations under the conditions of increasing strains.

  18. Studien zum "Horrendum Bellum Grammaticale" des Justus Georg Schottelius (1673): Vorstellung des Dissertationsvorhabens / Tuomo Fonsén

    Index Scriptorium Estoniae

    Fonsén, Tuomo, 1976-

    2006-01-01

    Autori dissertatsioonist, mis tutvustab Justus Georg Schotteliuse ladinakeelset allegoorilist saksa keele grammatikat ja keeleajalugu käsitlevat tööd 17. sajandist. Schottelius, Justus Georg. Horrendum Bellum Grammaticale Teutonum antiquissimorum [...]. Braunschweig : [s.n.], 1673

  19. [Helminthic fauna of commercial fishes from the Saya-de-Malya bank (Indian Ocean)].

    Science.gov (United States)

    Parukhin, A M

    1988-01-01

    The data on infestation of 8 species of commercial fishes from Saya-de-Malya bank (the Indian Ocean) are presented. 43 helminth species were identified: 10 Monogenea species, 18 trematode, 7 cestode and 8 nematode species. The mature worms are observed to be related to a certain host, whereas the nematode and cestode larvae have wide specificity. High infestation degree by Anisakis larvae is found in fishes, especially in Carangidae. At the bank area fishes are found to be free from Acanthocephala while those Acanthocephala are found in fishes from other areas of the Indian Ocean which may be attributed to the specific diet at the Saya-de-Malya bank. On the whole the helminth fauna of fishes examined at the Saya-de-Malya bank does not demonstrate the endemic pattern. The most specific helminth species were found in some fish species.

  20. George W. Bush in Political Time: The Janus Presidency

    NARCIS (Netherlands)

    Magliocca, G.N.

    2009-01-01

    This essay places George W. Bush's presidency and the Bush administration in some historical context by applying the model of “political time” developed in recent books by Stephen Skowronek (2008) and Keith Whittington (2007). My thesis is that Bush's political failure during his second term was

  1. George Herbert Mead, Um, osoba i društvo

    OpenAIRE

    Bačeković, Alica

    2004-01-01

    Prikaz knjige George Herbert Mead, Um, osoba i društvo sa stajališta socijalnog biheviorista, priredio i uvod napisao Charles W. Morris, s engleskoga preveo Srđan Dvornik, Naklada Jesenski i Turk, Hrvatsko sociološko društvo, Zagreb 2003, xxx + 392 str

  2. DEVELOPMENT MILESTONES AND TENDENCIES OF BANKING IN THE CZECH LANDS IN THE CONTEXT OF FINANCIAL LITERACY DEVELOPMENT

    Directory of Open Access Journals (Sweden)

    Zdeněk Hruška

    2015-07-01

    Full Text Available In the paper there are presented the results obtained in the qualitative research in the area of banking with a specific focus on the history, present and development tendencies of banking in the Czech lands. The main target of the paper is to identify, analyze and evaluate the milestones and development tendencies in the banking system area (central banks and commercial banks in the Czech territory since the formation of the independent Czechoslovak state in 1918 until the present, i.e. 2015. The historical development is divided into seven stages when each stage is bordered by important events of a political and economical character which had a significant influence on the form of the banking system. The stages are dated in the years 1918 – 1939, 1939 – 1945, 1945 – 1989, 1989 – 1993, 1993 – 2004, 2004 – 2008 and 2008 – 2015. In the paper important milestones regarding the banking development are described and prediction of the expected banking system development future periods is performed. For each historical stage of banking development the key events which influenced the character of the banking system and the portfolio of offered services on banking market are identified in the paper. Also the main changes in the first stage of the banking system, namely in the central bank, are documented and analyzed.

  3. Prescient … and Not Always Accounted For: The Wisdom and Foresight of George A. Roeper

    Science.gov (United States)

    Delisle, Jim; Ruff, Marcia

    2016-01-01

    When George A. Roeper enlisted the aid of Dr. A. Harry Passow and other leaders in the field to help George convert his Michigan independent school to focus on gifted children in 1956, there was only one other elementary school in the country at the time devoted exclusively to gifted child education. Though his wife and school cofounder,…

  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. Stochastic programming the state of the art in honor of George B. Dantzig

    CERN Document Server

    2011-01-01

    From the Preface… The preparation of this book started in 2004, when George B. Dantzig and I, following a long-standing invitation by Fred Hillier to contribute a volume to his International Series in Operations Research and Management Science, decided finally to go ahead with editing a volume on stochastic programming. The field of stochastic programming (also referred to as optimization under uncertainty or planning under uncertainty) had advanced significantly in the last two decades, both theoretically and in practice. George Dantzig and I felt that it would be valuable to showcase some of these advances and to present what one might call the state-of- the-art of the field to a broader audience. We invited researchers whom we considered to be leading experts in various specialties of the field, including a few representatives of promising developments in the making, to write a chapter for the volume. Unfortunately, to the great loss of all of us, George Dantzig passed away on May 13, 2005. Encouraged by...

  6. The conceptualization of love in religious thought of George Florovsky and Michael Pomazansky

    Directory of Open Access Journals (Sweden)

    Pavenkov Oleg Vladimirovich

    2015-04-01

    Full Text Available The present article is concerned with the question of conceptualization of love in works of Fr. George Florovsky and Fr. Michael Pomazansky, Russian religious thinkers and theologists. We are studying the meaning and appropriacy of two words, ‘love’ (English and ‘любовь’ (Russian, that are the best to represent the agapelogical positive evaluation in Russian religious thought. Data for study was taken from ten different articles and extracts from books written by Fr. George Florovsky and Fr. Michael Pomazansky. On the basis of this analysis we develop semantic explications of words ‘love’ and ‘любовь’ as Christian spiritual concepts within the framework of theoretical approach of Natural Semantic Metalanguage (NSM. In summary we state that this article discusses, describes and determines some similarities and differences in understanding of concept ‘love’ in the affore-referenced works by Fr. George Florovsky and Fr. Michael Pomazansky.

  7. The difference between lending interest rate and funds interest rate. Link with sustainable banking. Particularities of Romanian Market

    Directory of Open Access Journals (Sweden)

    Cristian Gheorghe Iacob

    2015-05-01

    Full Text Available The article, is trying to capture the way difference between active and passive interest rates influence macroeconomic sustainable development in a country. However the theory is limited on this area and the author is intending to merge practical aspects with conceptual terms. The role of banks in an economy is very important, as all inflows and outflows are done through financial institutions. Bank sustainability is the area of study and practice that captures the contribution of banks in sustainable development of a country. Banking instruments are the means by which banks are present and act in the economy. Banking techniques are the mechanisms of banking instruments. The most important banking instruments are the loans and the deposits. So banks take deposits from different entities and use them as resource to finance other entities. A bank is considered contributing to sustainable development, if lending divisions allocates resources to investments that bring long-term welfare to the community not only for today people, but for future generations. Therefore, we can establish a correlation between banking sustainability and sustainable development through the evolution of banking instruments. Looking to detail, bank sustainability is highly affected by the local macroeconomic issues, but also from global influences.

  8. 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.

  9. Overview of OECD-NEA Nuclear Science and Data Bank Activities

    International Nuclear Information System (INIS)

    Gulliford, Jim

    2012-01-01

    Overview: • NEA Areas of Work, Standing Committees; • Nuclear Science & the Data Bank: – Working Parties & Expert Groups; – integral experiments databases; – linked Data Bank/Nuclear Science products. • Reactor Physics and Criticality Integral Experiments: – ICSBEP& IRPhE evaluations; – Database tools (DICE, IDAT, SFCOMPO-X). • Other Activities related to Fast Reactors: – WPRS SFR Task Force; – Nuclear Data, WPEC sub-group on data adjustment; – Fuel Cycle and Materials. • Looking Ahead: – Uncertainty Analysis for transient modelling; – Russian Accession to the NEA and Data Bank; – Impact of Fukushima on Nuclear Science Programmes of Work

  10. Banking union through Hungarian eyes–assessment of a possible close cooperation

    Directory of Open Access Journals (Sweden)

    Anikó Szombati

    2017-03-01

    Full Text Available Legislation laying down the first two pillars of the institutional system of the Banking Union was finalised in April 2014. In accordance with the regulations, non-euro area Member States, including Hungary, may notify the ECB at any time if they wish to participate in the common system even before the euro is adopted. The paper aims at summarising the possible pros and cons vis-à-vis the Banking Union from a Hungarian perspective. It highlights the reasons for not opting in at the inception of the new supervisory system and also gives indications about those major milestones that could give rise to the reconsideration of the present position. In its existing form, the single supervisory and crisis management mechanism has not achieved the initial target, i.e. the separation of the stability of national banking systems and the fiscal capacity of Member States and the elimination of interdependencies. In addition, close cooperation implies weaker powers than those provided by actual membership, and the separation of central bank and supervisory functions carries risks in non-euro area countries. By contrast, the attraction of Banking Union membership lies in the opportunity to join a uniform European system, a wider analyst base and ultimately, the “ammunition” of the EUR 98 billion available for crisis management in comparison to the Hungarian banking system. In October 2013, a uniform supervisory system integrated into the central bank was set up in Hungary, and the domestic resolution institutional system was complete by the end of 2014. Therefore, until the finalisation of the Banking Union through the creation of the common deposit insurance fund and a common fiscal backstop, it is reasonable to put the decision to join on hold; indeed, such a decision should be made in light of several factors presented in this study.

  11. 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.

  12. Festschrift Charpak (Georges) on his 65th birthday

    CERN Document Server

    Lehmann, Pierre; Rubbia, Carlo; Saudinos, Jean; CERN. Geneva

    1989-01-01

    On the occasion of the 65th birthday of Georges Charpak and of his retirement, the Director-General and the EP Division invite you to a symposium in his h. Chairman : P. Lehmann. - Opening address : C. Rubbia. - Message from V. Weisskopf. - L. Lederman : Superstrings needs sealing wax. - J. Saudinos : Quelques applications des detecteurs gazeux a la medecine et a la biologie.

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

    Directory of Open Access Journals (Sweden)

    Sundas Rauf

    2013-12-01

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

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

    NARCIS (Netherlands)

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

    2010-01-01

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

  15. Strategic management accounting and decision making: A survey of the Nigerian Banks

    Directory of Open Access Journals (Sweden)

    Collins S. Oboh

    2017-12-01

    Full Text Available This paper attempts an empirical examination of the practicality of strategic management accounting (SMA adoption in banks in Nigeria, a developing country. It investigates the extent of practice and contributions of SMA to strategic decision making. Survey data were obtained from 71 bank managers across 20 registered banks in Nigeria. Simple regression estimation technique and Pearson Chi-square test were used for data analysis. The results suggest that SMA is distinct in its features and orientation towards the practice of management accounting. The study found out that banks in Nigeria practice SMA; not as a concept, but as a principle of operation, and that SMA contributes significantly to strategic decision making in the area of competitive advantage and increased market share. The study offers value for banks in other developing economies in that it supports the argument that they can benefit from SMA adoption as part of banking strategies. Keywords: Strategic management accounting, Decision making, Market share, Banks, Nigeria

  16. Tuning the Self : George Herbert's poetry as cognitive behaviour

    NARCIS (Netherlands)

    van Es, Eelco

    2013-01-01

    This book provides a cognitive analysis of the poetry of George Herbert (1593- 1633). From Herbert’s own thinking, recorded in his prose treatises, can be deduced that his poems should serve a specific function: teaching self-knowledge to his readers. Self-knowledge is a necessary skill, to be

  17. 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.

  18. Investigating different factors influencing on return of private banks

    Directory of Open Access Journals (Sweden)

    Pegah Motamedi

    2013-09-01

    Full Text Available Return of Investment has always been an interesting area of research among academics as well as investors. Although capital asset pricing model (CAPM is capable of estimating risk of investment, many people argue that CAPM is not able to predict long-term return, properly. This paper presents an empirical investigation to find the effects of different financial figures including systematic risk (Beta, size of firm, ratio of book value to market share, volume of trade and the ratio of price/earnings (P/E on return of private banks in Iran. The study gathers the necessary information over the period 2005-2011 from private banks in Iran. The study uses multiple regression technique to find the effects of mentioned variables on return of private banks. The results indicate that there are some meaningful and positive relationship between return of banks and systematic risk (Beta, size, volume of trade and P/E. The study also finds some meaningful and reverse relationship between bank return and book value on market value.

  19. 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...

  20. 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

  1. 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...

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

    Directory of Open Access Journals (Sweden)

    Rohmawati Kusumaningtias

    2009-10-01

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

  3. Georges Lema\\^itre: Life, Science and Legacy

    OpenAIRE

    Mitton, Simon

    2016-01-01

    This paper celebrates the remarkable life, science and legacy of Abb\\'e Georges Lema\\^itre, the Belgian cleric and professor of physics; he was the architect of the fireworks model for the origin of the universe. He died half a century ago, three days after learning that Arno Penzias and Robert Wilson had discovered the cosmic microwave background. Despite being gravely ill from leukaemia, Lema\\^itre lucidly praised this news, which confirmed the explosive genesis of our universe.

  4. 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...

  5. 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...

  6. Religiosity and Islamic Banking Product Decision: Survey on Employees of PT Telekomunikasi Indonesia

    Directory of Open Access Journals (Sweden)

    Abdul Mukti Soma

    2017-03-01

    Full Text Available The objective of this research is to examine the religiosity on Islamic banking product decision. A survey method was employed using a sample of 2.627 employees at different level of education, level of income, gender, age, marital status, length of service, work location (provincial based, ownership of conventional banking products as well as ownership of sharia banking products among employees of PT. Telekomunikasi Indonesia. The study also developed valid and reliable scales for religiosity and selection of sharia banking product.  The findings of the study revealed that dimensions of religiosity affected understanding of Islamic Banking Concept and also affected Bank Selection Criteria. Future research is required to investigate private employees and semi government employees, even in military institutions to find different figure of religiosity and preference of sharia banking products, by identifying the specific areas of religiosity that have particular impact in determining the sharia banking products.DOI: 10.15408/etk.v16i1.4379

  7. 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...

  8. Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

    OpenAIRE

    Astrini, Dwi Ayu

    2015-01-01

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

  9. 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.

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

    Directory of Open Access Journals (Sweden)

    Jayati Sarkar

    2018-02-01

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

  11. 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

  12. George de Hevesy (1885 - 1966), founder of radioanalytical chemistry

    International Nuclear Information System (INIS)

    Niese, S.

    2006-01-01

    George de Hevesy has founded Radioanalytical Chemistry and Nuclear Medicine, discovered the element hafnium and first separated stable isotopes. For all these different important achievements he was nominated for the Nobel Prize. On occasion of his discovery of activation analysis 70 years ago his life and work will be illustrated. (author)

  13. The George V Land Continental Margin (East Antarctica): new Insights Into Bottom Water Production and Quaternary Glacial Processes from the WEGA project

    Science.gov (United States)

    Caburlotto, A.; de Santis, L.; Lucchi, R. G.; Giorgetti, G.; Damiani, D.; Macri', P.; Tolotti, R.; Presti, M.; Armand, L.; Harris, P.

    2004-12-01

    The George Vth Land represents the ending of one of the largest subglacial basin (Wilkes Basin) of the East Antarctic Ice Sheet (EAIS). Furthermore, its coastal areas are zone of significant production of High Salinity Shelf Water (HSSW). Piston and gravity cores and high resolution echo-sounding (3.5 kHz) and Chirp profiles collected in the frame of the joint Australian and Italian WEGA (WilkEs Basin GlAcial History) project provide new insights into the Quaternary history of the EAIS and the HSSW across this margin: from the sediment record filling and draping valleys and banks along the continental shelf, to the continuous sedimentary section of the mound-channel system on the continental rise. The discovery of a current-lain sediment drift (Mertz Drift, MD) provides clues to understanding the age of the last glacial erosive events, as well as to infer flow-pathways of bottom-water masses changes. The MD shows disrupted, fluted reflectors due to glacial advance during the LGM (Last Glacial Maximum) in shallow water, while undisturbed sediment drift deposited at greater water depth, indicates that during the LGM the ice shelf was floating over the deep sector of the basin. The main sedimentary environment characterising the modern conditions of the continental rise is dominated by the turbiditic processes with a minor contribution of contour currents action. Nevertheless, some areas (WEGA Channel) are currently characterised by transport and settling of sediment through HSSW, originating in the shelf area. This particular environment likely persisted since pre-LGM times. It could indicate a continuous supply of sedimentary material from HSSW during the most recent both glacial and interglacial cycles. This would be consistent with the results obtained in the continental shelf suggesting that the Ice Sheet was not grounding over some parts of the continental shelf. Furthermore, the comparison of the studied area with other Antarctic margins indicate that, contrary

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

    Directory of Open Access Journals (Sweden)

    Alina Ligia Dumitrescu

    2013-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Muhamad Abduh

    2008-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Gatot Nazir Ahmad

    2014-04-01

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

  17. 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...

  18. 76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-27

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

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

    OpenAIRE

    Okibo, Bichanga Walter; Wario, Ali Yattani

    2014-01-01

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

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

    CERN Document Server

    Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

    2016-01-01

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