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Sample records for great bahama bank

  1. Whiting–related sediment export along the Middle Miocene carbonate ramp of Great Bahama Bank.

    Turpin, M.; Emmanuel, L.; Reijmer, J.J.G.; Renard, M.

    2011-01-01

    Modern aragonite needles are present all along the modern leeward margin of Great Bahama Bank (ODP Leg 166), while Middle Miocene sediments contain needles only in more distal areas (Sites 1006 and 1007). In contrast to the rimmed, flat-topped platform topography during the Plio-Pleistocene, the

  2. New insights into the morphology and sedimentary processes along the western slope of Great Bahama Bank.

    Mulder, T.; Ducassou, E.; Eberli, G.P.; Hanquiez, V.; Gonthier, E.; Kindler, P.; Principaud, M.; Fournier, F.; Leonide, P.S.; Billeaud, I.; Marsset, B.; Reijmer, J.J.G.; Bondu, C.; Joussiaume, R.; Pakiades, M.

    2012-01-01

    New high-quality multibeam and seismic data image the western slope of the Great Bahama Bank and the adjacent floor of the Straits of Florida. The extensive survey reveals several unexpected large- and small-scale morphologies. These include bypass areas, channel-leveelobe systems, gullied slopes,

  3. Holocene millennial to centennial scale carbonate cycles (leeward margin, Great Bahama Bank)

    Roth, S.; Reijmer, J. J. G.

    2003-04-01

    The main research topic of this project is the evaluation of Holocene to Recent climatic variability and the impact on shallow-water sediment production of carbonate platforms. A 38m long sediment core (MD992201) was analyzed, obtained from 290m water depth on the leeward margin of Great Bahama Bank. Fourteen Accelerator Mass Spectrometry (AMS) dates determined a core bottom age of 7,230 years BP and permitted the construction of a precise time frame. With a sampling interval of 5cm, a decadal time resolution could be achieved. Sedimentation rates varied between 3 to 14m/kyr. Carbonate content ranges from 96 to almost 100wt%, most of which is aragonite (83-92wt%). High Magnesium Calcite (HMC) makes up the second major fraction with 2-9wt%, while Low Magnesium Calcite occurs with minor percentages (0.5-4wt%). Singular Spectrum Analysis (SSA) of the aragonitic carbonate phase showed two different trends and two primary oscillatory signals. Aragonite production on Great Bahama Bank started at 7,230yr BP when the Holocene sea-level rise flooded the shallow platform top. The first eigenvector captures this long-term trend extending over the entire Mid to Late Holocene succession displaying the Holocene sea-level fluctuations. The second trend indicates millennial scale variations, which can be attributed to a combination of geomagnetic shielding and solar parameters. The two quasi-periodic signals show wavelengths of 400-600 years and approx. 210 years. These oscillations are interpreted in terms of instabilities of the thermohaline circulation and solar parameters, respectively. The oscillatory aragonite signals and oxygen isotope derived temperatures (planktonic foraminifers) agree with northern hemisphere temperature changes (e.g. Medieval Warm Period and Little Ice Age) and the delta-14C record of tree rings (e.g. Oort to Dalton solar minima). This study shows that carbonate platform systems not only respond to sea-level variations but also are precise recorders of

  4. Tsunamis caused by submarine slope failures along western Great Bahama Bank.

    Schnyder, Jara S D; Eberli, Gregor P; Kirby, James T; Shi, Fengyan; Tehranirad, Babak; Mulder, Thierry; Ducassou, Emmanuelle; Hebbeln, Dierk; Wintersteller, Paul

    2016-11-04

    Submarine slope failures are a likely cause for tsunami generation along the East Coast of the United States. Among potential source areas for such tsunamis are submarine landslides and margin collapses of Bahamian platforms. Numerical models of past events, which have been identified using high-resolution multibeam bathymetric data, reveal possible tsunami impact on Bimini, the Florida Keys, and northern Cuba. Tsunamis caused by slope failures with terminal landslide velocity of 20 ms -1 will either dissipate while traveling through the Straits of Florida, or generate a maximum wave of 1.5 m at the Florida coast. Modeling a worst-case scenario with a calculated terminal landslide velocity generates a wave of 4.5 m height. The modeled margin collapse in southwestern Great Bahama Bank potentially has a high impact on northern Cuba, with wave heights between 3.3 to 9.5 m depending on the collapse velocity. The short distance and travel time from the source areas to densely populated coastal areas would make the Florida Keys and Miami vulnerable to such low-probability but high-impact events.

  5. Sedimentary dynamics and high-frequency sequence stratigraphy of the southwestern slope of Great Bahama Bank

    Wunsch, Marco; Betzler, Christian; Eberli, Gregor P.; Lindhorst, Sebastian; Lüdmann, Thomas; Reijmer, John J. G.

    2018-01-01

    New geophysical data from the leeward slope of Great Bahama Bank show how contour currents shape the slope and induce re-sedimentation processes. Along slope segments with high current control, drift migration and current winnowing at the toe of slope form a deep moat. Here, the slope progradation is inhibited by large channel incisions and the accumulation of large mass transport complexes, triggered by current winnowing. In areas where the slope is bathed by weaker currents, the accumulation of mass transport complexes and channel incision is rather controlled by the position of the sea level. Large slope failures were triggered during the Mid-Pleistocene transition and Mid-Brunhes event, both periods characterized by changes in the cyclicity or the amplitude of sea-level fluctuations. Within the seismic stratigraphic framework of third order sequences, four sequences of higher order were identified in the succession of the upper Pleistocene. These higher order sequences also show clear differences in function of the slope exposure to contour currents. Two stochastic models emphasize the role of the contour currents and slope morphology in the facies distribution in the upper Pleistocene sequences. In areas of high current influence the interplay of erosional and depositional processes form a complex facies pattern with downslope and along strike facies alterations. In zones with lower current influence, major facies alternations occur predominately in downslope direction, and a layer-cake pattern characterizes the along strike direction. Therefore, this study highlights that contour currents are an underestimated driver for the sediment distribution and architecture of carbonate slopes.

  6. Mapping Depositional Facies on Great Bahama Bank: An Integration of Groundtruthing and Remote Sensing Methods

    Hariss, M.; Purkis, S.; Ellis, J. M.; Swart, P. K.; Reijmer, J.

    2013-12-01

    Great Bahama Bank (GBB) has been used in many models to illustrate depositional facies variation across flat-topped, isolated carbonate platforms. Such models have served as subsurface analogs at a variety of scales. In this presentation we have integrated Landsat TM imagery, a refined bathymetric digital elevation model, and seafloor sample data compiled into ArcGIS and analyzed with eCognition to develop a depositional facies map that is more robust than previous versions. For the portion of the GBB lying to the west of Andros Island, the facies map was generated by pairing an extensive set of GPS-constrained field observations and samples (n=275) (Reijmer et al., 2009, IAS Spec Pub 41) with computer and manual interpretation of the Landsat imagery. For the remainder of the platform, which lacked such rigorous ground-control, the Landsat imagery was segmented into lithotopes - interpreted to be distinct bodies of uniform sediment - using a combination of edge detection, spectral and textural analysis, and manual editing. A map was then developed by assigning lithotopes to facies classes on the basis of lessons derived from the portion of the platform for which we had rigorous conditioning. The new analysis reveals that GBB is essentially a very grainy platform with muddier accumulations only in the lee of substantial island barriers; in this regard Andros Island, which is the largest island on GBB, exerts a direct control over the muddiest portion of GBB. Mudstones, wackestones, and mud-rich packstones cover 7%, 6%, and 15%, respectively, of the GBB platform top. By contrast, mud-poor packstones, grainstones, and rudstones account for 19%, 44%, and 3%, respectively. Of the 44% of the platform-top classified as grainstone, only 4% is composed of 'high-energy' deposits characterized by the development of sandbar complexes. The diversity and size of facies bodies is broadly the same on the eastern and western limb of the GBB platform, though the narrower eastern

  7. A 5000km2 data set along western Great Bahama Bank illustrates the dynamics of carbonate slope deposition

    Schnyder, Jara S. D.; Jo, Andrew; Eberli, Gregor P.; Betzler, Christian; Lindhorst, Sebastian; Schiebel, Linda; Hebbeln, Dierk; Wintersteller, Paul; Mulder, Thierry; Principaud, Melanie

    2014-05-01

    An approximately 5000km2 hydroacoustic and seismic data set provides the high-resolution bathymetry map of along the western slope of Great Bahama Bank, the world's largest isolated carbonate platform. This large data set in combination with core and sediment samples, provides and unprecedented insight into the variability of carbonate slope morphology and the processes affecting the platform margin and the slope. This complete dataset documents how the interplay of platform derived sedimentation, distribution by ocean currents, and local slope and margin failure produce a slope-parallel facies distribution that is not governed by downslope gradients. Platform-derived sediments produce a basinward thinning sediment wedge that is modified by currents that change directions and strength depending on water depth and location. As a result, winnowing and deposition change with water depth and distance from the margin. Morphological features like the plunge pool and migrating antidunes are the result of currents flowing from the banktop, while the ocean currents produce contourites and drifts. These continuous processes are punctuated by submarine slope failures of various sizes. The largest of these slope failures produce several hundred of km2 of mass transport complexes and could generate tsunamis. Closer to the Cuban fold and thrust belt, large margin collapses pose an equal threat for tsunami generation. However, the debris from margin and slope failure is the foundation for a teeming community of cold-water corals.

  8. High - Resolution SST Record Based on Mg/Ca Ratios of Late Holocene Planktonic Foraminifers From the Great Bahama Bank

    Mueller, A.; Reijmer, J. J.; Roth, S.

    2001-12-01

    We analyzed five different planktic foraminifera species in the high resolution core MD 992201 off the Great Bahama Bank (79° 16.34 W; 25° 53.49 N) in 290 m water depth. This 38.05 m long core comprises a 7,000 year long Holocene record. The selected species were Orbulina universa, Globigerinoides ruber, Globigerinoides sacculifer, Globorotalia menardii and Globigerinella aequilateralis, which live in the upper 200 m of the water column. The Mg/Ca ratios of these different foraminifers show species-specific values, which represent a distinct habitat depth. With this species-specific Mg/Ca ratios we can reconstruct a temperature profile through the water column. The lowest Mg/Ca are shown by G. menardii (2.5 - 4 mmol/mol), followed by G. sacculifer (4.2 - 5.6 mmol/mol), G. ruber (5.1 - 7.2 mmol/mol) and G. aequilateralis (5.5 - 8.7 mmol/mol). Highest are shown by O. universa (6 - 14 mmol/mol). During the Little Ice Age, the Mg/Ca ratios of all species except for the deeper dwelling G. menardii, became more variable and showed lower ratios. The shallow dwelling species like G. ruber and G. sacculifer display an increase in the Mg/Ca ratios during the Medieval Warm Period. Our data show that transferring Mg/Ca ratios into SST based calibration curves known from literature needs re-evaluation. Species-specific calibration seems to be necessary to achieve reliable results.

  9. Dolomitization of carbonated reservoirs of platforms. From geologic data to modeling. Example of the great Bahama bank; La dolomitisation des reservoirs carbonates de plate-forme. Des donnees geologiques a la modelisation. Exemple du Grand Banc des Bahamas

    Caspard, E.

    2002-09-01

    Dolomitization has long been one of the most studied geological processes because of its economic interest (dolomitic rocks form a significant share of hydrocarbon reservoirs) as well as its academic interest, based on the fact that dolomite scarcely forms in current and recent marine environments whereas seawater is highly over-saturated; and that it is still not possible to synthesize it in laboratory under the same conditions. We used data collected by the University of Miami (Bahamas Drilling Project, ODP Leg 166) to understand the geological context of complete dolomitization of a Messinian 60 m thick reef unit. Classical methods of petrographic analysis of thin sections (optical microscopy, cathodoluminescence, scanning electron microscopy, in situ isotopic analyze using ionic microprobe) showed that the intensity of dolomitization is not controlled by the initial texture of the sediment, that the key parameter for dolomitization is the conservation of the initial mineralogy of magnesian bio-clasts, and that redox conditions, salinity and/or temperature of the precipitation fluid varied significantly during the process. Hydrodynamic modelling showed that during periods of high sea-level, Kohout thermal convection is a viable mechanism for driving marine fluids through the sediments. The key parameter for fluid circulations is the permeability anisotropy on the platform scale. Geochemical modelling showed that seawater is able to induce a complete dolomitization over durations of around one million years. Sensitivity tests showed that the critical parameter (as well as one of the less well-known) to describe diagenetic processes in carbonates is the water/rock reactions kinetics and in particular the precipitation kinetics of carbonate minerals. We finally propose that the dolomitization of the reef unit of the Unda well took place during the high sea-level period which extended over 1,1 My in the early Pliocene, according to the Kohout thermal convection

  10. Three new sympatric species of Remipedia (Crustacea) from Great Exuma Island, Bahamas Islands

    Koenemann, Stefan; Iliffe, Thomas M.; Ham, van der Joris

    2003-01-01

    Three new sympatric species of remipede crustaceans, Speleonectes tanumekes, Speleonectes parabenjamini and Speleonectes minnsi, are described from an anchihaline cave on Great Exuma Island in the central Bahamas. Speleonectes tanumekes is a comparatively long and slender species distinguished by

  11. New allocyclic dimensions in a prograding carbonate bank: Evidence for eustatic, tectonic, and paleoceanographic control (late Neogene, Bahamas)

    Lidz, B.H.; McNeill, D.F.

    1997-01-01

    The deep-sea record, examined recently for the first time in a shallow-depocenter setting, has unveiled remarkable evidence for new sedimentary components and allocyclic complexity in a large, well-studied carbonate bank, the western Great Bahama Bank. The evidence is a composite foraminiferal signature - Paleocene to early Miocene (allogenic or reworked) and late Miocene to late Pliocene (host) planktic taxa, and redeposited middle Miocene shallow benthic faunas. Ages of the oldest and youngest planktic groups range from ??? 66 to ??? 2 Ma. The reworked and redeposited taxa are a proxy for significant sediment components that otherwise have no lithofacies or seismic resolution. The composite signature, reinforced by a distinctive distribution of the reworked and redeposited faunas, documents a much more complex late Neogene depositional system than previously known. The system is more than progradational. The source sequences that supplied the constituent bank-margin grains formed at different water depths and over hundreds of kilometers and tens of millions of years apart. New evidence from the literature and from data obtained during Ocean Drilling Program (OOP) Leg 166 in the Santaren Channel (Bahamas) support early interpretations based on the composite fossil record and provide valuable new dimensions to regional allocyclicity. The middle Miocene taxa were confined to the lower part of the section by the latest Miocene-earliest Pliocene(?) lowstand of sea level. An orderly occurrence of the allogenic taxa is unique to the global reworked geologic record and appears to have been controlled by a combination of Paleogene-early Neogene tectonics at the source, eustatic changes, and late Neogene current activity at the source and across the bank. The allogenic taxa expand the spatial and temporal range of information in the northern Bahamas by nearly an order of magnitude. In essence, some of the major processes active in the region during ??? 64 m.y. of the

  12. Rise and demise of the Bahama-Grand Banks gigaplatform, northern margin of the Jurassic proto-Atlantic seaway

    Poag, C. Wylie

    1991-01-01

    An extinct, > 5000-km-long Jurassic carbonate platform and barrier reef system lies buried beneath the Atlantic continental shelf and slope of the United States. A revised stratigraphic framework, a series of regional isopach maps, and paleogeographic reconstructions are used to illustrate the 42-m.y. history of this Bahama-Grand Banks gigaplatform from its inception in Aalenian(?) (early Middle Jurassic) time to its demise and burial in Berriasian-Valanginian time (early Early Cretaceous). Aggradation-progradation rates for the gigaplatform are comparable to those of the familiar Capitan shelf margin (Permian) and are closely correlated with volumetric rates of siliciclastic sediment accumulation and depocenter migration. Siliciclastic encroachment behind the carbonate tracts appears to have been an important impetus for shelf-edge progradation. During the Early Cretaceous, sea-level changes combined with eutrophication (due to landward soil development and seaward upwelling) and the presence of cooler upwelled waters along the outer shelf appear to have decimated the carbonate producers from the Carolina Trough to the Grand Banks. This allowed advancing siliciclastic deltas to overrun the shelf edge despite a notable reduction in siliciclastic accumulation rates. However, upwelling did not extend southward to the Blake-Bahama megabank, so platform carbonate production proceeded there well into the Cretaceous. Subsequent stepwise carbonate abatement characterized the Blake Plateau Basin, whereas the Bahamas have maintained production to the present. The demise of carbonate production on the northern segments of the gigaplatform helped to escalate deep-water carbonate deposition in the Early Cretaceous, but the sudden augmentation of deep-water carbonate reservoirs in the Late Jurassic was triggered by other agents, such as global expansion of nannoplankton communities. ?? 1991.

  13. Hurricane Impacts on Small Island Communities: Case study of Hurricane Matthew on Great Exuma, The Bahamas

    Sullivan Sealey, Kathleen; Bowleg, John

    2017-04-01

    Great Exuma has been a UNESCO Eco-hydrology Project Site with a focus on coastal restoration and flood management. Great Exuma and its largest settlement, George Town, support a population of just over 8.000 people on an island dominated by extensive coastal wetlands. The Victoria Pond Eco-Hydrology project restored flow and drainage to highly-altered coastal wetlands to reduce flooding of the built environment as well as regain ecological function. The project was designed to show the value of a protected wetland and coastal environment within a populated settlement; demonstrating that people can live alongside mangroves and value "green" infrastructure for flood protection. The restoration project was initiated after severe storm flooding in 2007 with Tropical Storm Noel. In 2016, the passing of Hurricane Matthew had unprecedented impacts on the coastal communities of Great Exuma, challenging past practices in restoration and flood prevention. This talk reviews the loss of natural capital (for example, fish populations, mangroves, salt water inundation) from Hurricane Matthew based on a rapid response survey of Great Exuma. The surprisingly find was the impact of storm surge on low-lying areas used primarily for personal farms and small-scale agriculture. Although women made up the overwhelming majority of people who attended Coastal Restoration workshops, women were most adversely impacted by the recent hurricane flooding with the loss of their small low-lying farms and gardens. Although increasing culverts in mangrove creeks in two areas did reduce building flood damage, the low-lying areas adjacent to mangroves, mostly ephemeral freshwater wetlands, were inundated with saltwater, and seasonal crops in these areas were destroyed. These ephemeral wetlands were designed as part of the wetland flooding system, it was not known how important these small areas were to artisanal farming on Great Exuma. The size and scope of Hurricane Matthew passing through the

  14. Sub-Milankovitch cycles in periplatform carbonates from the early Pliocene Great Bahama Bank

    Reuning, Lars; Reijmer, John; Betzler, C.; Timmermann, A.; Steph, Silke

    2006-01-01

    High-resolution bulk sediment (magnetic susceptibility and aragonite content) and δ18O records from two different planktonic foraminifera species were analyzed in an early Pliocene core interval from the Straits of Florida (Ocean Drilling Program site 1006). The δ18O record of the shallow-dwelling foraminifera G. sacculifer and the aragonite content are dominated by sub-Milankovitch variability. In contrast, magnetic susceptibility and the δ18O record of the deeper-dwelling foraminifera G. me...

  15. African Journals Online: Bahamas

    African Journals Online: Bahamas. Home > African Journals Online: Bahamas. Log in or Register to get access to full text downloads. Username, Password, Remember me, or Register · Browse By Category · Browse Alphabetically · Browse By Country · List All Titles · Free to read Titles This Journal is Open Access ...

  16. Benthic Ecology from Space: Optics and Net Primary Production in Seagrass and Benthic Algae Across the Great Bahama Bank

    2010-01-01

    of incident light in peak chlorophyll absorption bands and negatively impacted spectral photosynthesis of their seagrass hosts. For the oxygen...than the above- ground seagrass production reported here. Finally, seagrass photosynthesis in seawater is inher- ently CO2-limited and seagrass ...R, Alberte R, Perez M, Romero J (2001) Inorganic carbon sources for seagrass photosynthesis : an experimental evaluation for bicarbonate use in

  17. Preliminary Assessment of Road Mortality in Chilabothrus exsul, the Northern Bahamas Boa.

    Reynolds, R. Graham; Giery, Sean T.; Jesse, W.A.M.; Quach, Quynh H.

    2016-01-01

    The Northern Bahamas Boa (Chilabothrus exsul) is a secretive species of boid snake that occupies a relatively small range on the Northern Bahamas Bank. Little is known regarding the natural history of this species or its conservation status. As a component of conducting an IUCN Red List Assessment

  18. What caused Chicago bank failures in the Great Depression? A look at the 1920s.

    Natacha Postel-Vinay

    2015-01-01

    This paper reassesses the causes of Chicago bank failures during the Great Depression by tracking the evolution of their balance sheets in the 1920s. I find that all Chicago banks suffered tremendous deposit withdrawals; however banks that failed earlier in the 1930s had invested more in mortgages in the 1920s. The main problem with mortgages was their lack of liquidity, not their quality. Banks heavily engaged in mortgages did not have enough liquid assets to face the withdrawals and failed....

  19. Executions in The Bahamas

    Lofquist, William Steele

    2010-01-01

    Full Text Available The stories of those who have been executed in the Bahamas are heretofore untold. In telling these stories and in linking them to the changing course of Bahamian history, the present research adds an important dimension to our understanding of Bahamian history and politics. The major theme of this effort is that the changing practice of the death penalty is much more than a consequence of changes in crime. The use of the death penalty parallels the changing interests of colonial rulers, the changing practice of slavery, and the changing role of the Bahamas in colonial and regional affairs. Four distinctive eras of death penalty practice can be identified: (1 the slave era, where executions and commutations were used liberally and with a clear racial patterning; (2 a long era of stable colonialism, a period of marginalization and few executions; (3 an era of unstable colonialism characterized by intensive and efficient use of the death penalty; and (4 the current independence era of high murder rates and equally high impediments to the use of executions.

  20. The Formation of New Monetary Policies: Decisions of Central Banks on the Great Recession

    Ana Esther Castro

    2014-05-01

    Full Text Available The effect that the Great Recession had on monetary policies has led to the profound reorientation of central banks’ actions from 2007 to 2013. The purpose of this work is to analyze the monetary policies applied by the main central banks, mainly the European Central Bank, the Federal Reserve System of USA and the Bank of Japan, in order to raise thoughts on the guidelines that central banks should follow in the future. In the first section the bases of monetary policy before the crisis are described; in the second we explain the change in the orientation of the role of central banks during the crisis; and finally, we synthesize the bases on which the economic debate is taking place on the orientation of future monetary policies. We conclude that, in so far as the inoperativeness of transmission mechanisms still persists, monetary policies will remain in a process of change.

  1. The Great Cross-Border Bank Deleveraging: Supply Constraints and Intra-Group Frictions

    Cerutti, E.; Claessens, S.

    2014-01-01

    International banks greatly reduced their direct cross-border and local affiliates’ lending as the global financial crisis strained balance sheets, lowered borrower demand, and changed government policies. Using bilateral, lender-borrower countrydata and controlling for credit demand, we show that

  2. "The Great Transformation" and Suicide: Local and Long-Lasting Effects of 1930 Bank Suspensions

    Baller, Robert D.; Levchak, Phil; Schultz, Mark

    2010-01-01

    Depression-era bank suspensions and failures are conceptualized as products of the first part of what Polanyi (1994) called "The Great Transformation," which involved an imbalanced institutional arrangement in which the economy dominated other institutions. Relying on Durkheim (1897/1951) and Merton (1938, 1968), it is argued that these…

  3. Why banks say NO to great healthcare practitioners. Five reasons why banks reject loans to quality small-business owners and what you can do about it.

    Warrick, Cheree

    2014-01-01

    If you have a dream of opening or expanding a practice, then bank lending is probably an option you've considered. However, many practitioners are under the false assumption that banks are currently not lending. Untrue! Between 2008 and 2012, banks have loaned an average of $216 billion to small businesses throughout the United States each year. There are two aspects to a bank loan package: (1) your loan application with tax information, asset information, etc.; and (2) your business plan. This article delves into the five reasons banks say "no" to a great healthcare practitioner and what you should include in your business plan to not only have the bank say "yes" to financing your business but also to create a situation where multiple banks are offering to lend you money.

  4. The Great Cross-Border Bank Deleveraging; Supply Constraints and Intra-Group Frictions

    Eugenio M Cerutti; Stijn Claessens

    2014-01-01

    International banks greatly reduced their direct cross-border and local affiliates’ lending as the global financial crisis strained balance sheets, lowered borrower demand, and changed government policies. Using bilateral, lender-borrower countrydata and controlling for credit demand, we show that reductions largely varied in line with markets’ prior assessments of banks’ vulnerabilities, with banks’ financial statement variables and lender-borrower country characteristics playing minor roles...

  5. Stimulating a Great Lakes coastal wetland seed bank using portable cofferdams: implications for habitat rehabilitation

    Kowalski, K.P.; Wilcox, D.A.; Wiley, M.J.

    2009-01-01

    Coastal wetland seed banks exposed by low lake levels or through management actions fuel the reestablishment of emergent plant assemblages (i.e., wetland habitat) critical to Great Lakes aquatic biota. This project explored the effectiveness of using portable, water-filled cofferdams as a management tool to promote the natural growth of emergent vegetation from the seed bank in a Lake Erie coastal wetland. A series of dams stretching approximately 450??m was installed temporarily to isolate hydrologically a 10-ha corner of the Crane Creek wetland complex from Lake Erie. The test area was dewatered in 2004 to mimic a low-water year, and vegetation sampling characterized the wetland seed bank response at low, middle, and high elevations in areas open to and protected from bird and mammal herbivory. The nearly two-month drawdown stimulated a rapid seed-bank-driven response by 45 plant taxa. Herbivory had little effect on plant species richness, regardless of the location along an elevation gradient. Inundation contributed to the replacement of immature emergent plant species with submersed aquatic species after the dams failed and were removed prematurely. This study revealed a number of important issues that must be considered for effective long-term implementation of portable cofferdam technology to stimulate wetland seed banks, including duration of dewatering, product size, source of clean water, replacement of damaged dams, and regular maintenance. This technology is a potentially important tool in the arsenal used by resource managers seeking to rehabilitate the functions and values of Great Lakes coastal wetland habitats.

  6. Ectopic banking of amputated great toe for delayed thumb reconstruction: case report.

    Valerio, Ian L; Hui-Chou, Helen G; Zelken, Jonathan; Basile, Patrick L; Ipsen, Derek; Higgins, James P

    2014-07-01

    Ectopic banking of amputated parts is a recognized technique for delayed replantation of an amputated part when the amputation stump will not permit immediate replantation. This is conventionally performed with the intent of transferring the injured part back to its anatomic position when the amputation stump is more appropriate for replantation. Current warfare conditions have led to a commonly encountered military trauma injury pattern of multiple extremity amputations with protected trunk and core structures. This pattern poses many challenges, including the limit or absence of donor sites for immediate or delayed flap reconstructive procedures. We describe a case in which we ectopically banked the great toe of an amputated lower extremity for delayed thumb reconstruction. Copyright © 2014 American Society for Surgery of the Hand. Published by Elsevier Inc. All rights reserved.

  7. The Collapse of the United States Banking System During the Great Depression, 1929 to 1933. New Archival Evidence

    Gary Richardson

    2007-03-01

    Full Text Available During the Great Depression, one third of all banks in the United States failed. Scholarsdispute reason for their demise. This essay analyzes new evidence on the sources of bankdistress. The data demonstrates that contagion via correspondent networks and bank runspropagated the initial banking panics in the fall of 1930. As the depression deepened and assetvalues declined, insolvency loomed as the principal threat to depository institutions. Thesepatterns corroborate some and question other conjectures concerning the causes andconsequences of the financial crisis during the Great Contraction.

  8. The influence of paleo currents upon the Santaren Channel and the adjacent carbonate platforms, Bahamas.

    Paulat, Marco; Lüdmann, Thomas; Betzler, Christian; Eberli, Gregor; Lindhorst, Sebastian

    2015-04-01

    The closure of the Central American Seaway and the reorganization of the ocean currents had a global impact on earth's climate. The sedimentation of the Great Bahama Bank (GBB) and the smaller Cay Sal Bank (CSB) are influenced by the Atlantic North Equatorial Current and the Florida Current. New high-resolution multichannel seismic data sets tied to the IODP leg 166 wells document that the shape of Bahama Banks and the sedimentation processes in the Santaren Channel (SC) between GBB and CSB are strongly related to changes in the strength of these currents. Since the Upper Miocene, the SC is filled up by a huge package of drift sediments, namely the Santaren Drift (SD). The buildup of the SD causes a local high in the recent bathymetry perpendicular to the surrounding steep platform slopes. The SD shows a typical mounded morphology and progrades northwards in direction of the Florida Channel. The SD was established during the late Miocene. Seismic facies and internal configuration indicate an environment of a stable north flowing current with a major depocenter related to the center of the SC. Additionally, a second depocenter at the central eastern flank of CSB established and preserved till early Pleistocene when the slope sedimentation starts to dominate. This depocenter points to a strengthened countercurrent component in the eastern SC. From the lower Pliocene to the upper Pleistocene the volume of the SD expanded, associated with an intensification of the current in the SC along its eastern flank, indicated by deep erosional channels parallel to the margin of GBB in the northern part of the survey area. This trend probably was initiated as a consequence of current reorganization due to the final closure of the Central American Seaway. Lower slope sediments from GBB are eroded or only minor parts are preserved from lower Pliocene to upper Pleistocene. With late Pliocene falling sea-level, gravitational slope sedimentation from GBB into the SC increased with

  9. Spatial variation in seed bank dynamics of two annual brome species in the northern Great Plains

    Annual bromes decrease forage production in northern central plains rangelands of North America. Early life history stages are when plants are most failure-prone, yet studying death post-germination and prior to emergence is difficult. In seed bank collections conducted over the course of two growin...

  10. Distribution, Abundance and Population Structuring of Beaked Wales in the Great Bahama Canyon, Northern Bahamas

    2012-09-02

    Jatanon On« laafaaa» Sur» 1204 AitngJon VA 222Q2^S0T Raapondanto ahoutf til provrwor oi la» no parw thai be vjbfgct to an» panaWy «or taanq to comply...Providence Channel NW Atlantic Octan NE Providence Channel Cul de Sec • « tea i * i«1 a Figure 2. Equal-angle line transects were run in four

  11. banks

    Elena Grigoryeva

    2016-11-01

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

  12. Energy Transition Initiative, Island Energy Snapshot - Bahamas (Fact Sheet)

    2015-02-01

    This profile provides a snapshot of the electricity generation or reduction technologies, including solar hot water heating, available to the Commonwealth of the Bahamas - a country consisting of more than 700 islands, cays, and islets - of which only 30 are actually inhabited. Heating and transportation fuels are not addressed.

  13. The Bahamas; Financial Sector Stability Assessment

    International Monetary Fund

    2013-01-01

    This article is an overview of the structure of the Bahamian financial system. After the financial crisis in the United States, the Bahamian financial structure showed fragile growth. Tourism, the main source of income for the domestic economy, weakened owing to the U.S. crisis. The increase in oil prices was the key reason for the destroyed infrastructure. However, amidst the vulnerabilities, the banking sector showed stability with high capital and liquidity and sustained challenges; the in...

  14. Gender Sensitivity and the Inheritance Act of The Bahamas, 1833

    Sabrina A. Russell-Skinner

    2008-02-01

    Full Text Available The motivation for this paper stemmed from the realization that discrimination against women in the Bahamas still exists, is being continually perpetuated and, in fact, is institutionalized by the law which should enforce justice for all. Against the backdrop of preparation for the 1995 United Nations Conference on Women, a closer look is taken at gender discrimination in the Bahamas by examining the Constitution and the Inheritance Act of 1833. The assumption that institutionalized patriarchy gives rise to gender discrimination guides the analysis. The organs of male domination and the reasons for its perpetuation are discussed as well as obstacles to the passage of the draft Inheritance Bill (1983. It is recommended the inequities arising from an inbuilt structure of a male dominated society be addressed by legislation that will ensure equity and social justice for all. Finally, it is suggested that the draft Inheritance Bill (1983 with modifications to some provisions has the potential to accomplish this.

  15. Student Life at the College of The Bahamas: The Role of COBUS

    DeAndra V. Cartwright

    2015-01-01

    Student government and student activities at the College of The Bahamas have helped to define the growth and development of the institution. The College of the Bahamas Union of Students or COBUS as it is better known, has been a crucible for civic and professional leaders. Many COBUS Presidents have gone on to become leaders in the community, well-known forerunners in their respective fields of endeavour and have become household names in the Bahamas.

  16. Student Life at the College of The Bahamas: The Role of COBUS

    DeAndra V. Cartwright

    2015-02-01

    Full Text Available Student government and student activities at the College of The Bahamas have helped to define the growth and development of the institution. The College of the Bahamas Union of Students or COBUS as it is better known, has been a crucible for civic and professional leaders. Many COBUS Presidents have gone on to become leaders in the community, well-known forerunners in their respective fields of endeavour and have become household names in the Bahamas.

  17. Ecology of mangroves in the Jewfish Chain, Exuma, Bahamas

    Wilcox, L. V.; Yocom, Thomas G.; Forbes, A. M.

    1976-01-01

    The structure and function of mangrove communities in the Jewfish Chain, Exumas, Bahamas, were investigated for 3-1/2 years. Mangrove vegetation in the Jewfish Chain is similar to that in all the Caribbean-Florida area; Rhizophora mangle L. dominates and is interspersed with Avicennia germinans (L.) Lamk. and Laguncularia racemosa (L.) Gaertn. There is no apparent zonation of these three species. The mangrove communities in the Jewfish Chain occur only where they are protected from prevailing winds, storms, and tides, although all are periodically devastated by hurricanes. We found little or no evidence of coast building within these protected locations. The importance of the mangroves appears to be in providing protection and food for other flora and fauna within this unique ecosystem. Twenty-four species of algae were found in the mangroves, 9 of which had not previously been reported from the Bahamas. Distribution of these algae appears to be correlated to incident solar radiation, desiccation, and tide level. A total of 56 species of fish were found in the mangroves, 2 of which were not previously known from the Bahamas. Many fish taken were juveniles, suggesting that mangroves are a nursery ground for numerous species. Nine species of molluscs were found. Each species had a distinct distribution pattern relative to distance from the seaward edge of the mangroves, as well as a distinct vertical distribution pattern. Seventeen species of decapod crustaceans were recorded. Though several species of birds were noted in the mangroves, three species were most abundant: the white-crowned pigeon (Columba leucocephala) uses the mangrove for nesting but feeds in nearby shrub-thorn communities; the gray kingbird (Tyrannus dominicensis) and green heron (Butorides virescens) nest and feed in the mangroves. Our data do not completely describe a stereotyped mangrove community in the Bahamas, but they do give an indication of community structure and suggest several

  18. Hurricanes accelerated the Florida-Bahamas lionfish invasion.

    Johnston, Matthew W; Purkis, Sam J

    2015-06-01

    In this study, we demonstrate how perturbations to the Florida Current caused by hurricanes are relevant to the spread of invasive lionfish from Florida to the Bahamas. Without such perturbations, this current represents a potential barrier to the transport of planktonic lionfish eggs and larvae across the Straits of Florida. We further show that once lionfish became established in the Bahamas, hurricanes significantly hastened their spread through the island chain. We gain these insights through: (1) an analysis of the direction and velocity of simulated ocean currents during the passage of hurricanes through the Florida Straits and (2) the development of a biophysical model that incorporates the tolerances of lionfish to ocean climate, their reproductive strategy, and duration that the larvae remain viable in the water column. On the basis of this work, we identify 23 occasions between the years 1992 and 2006 in which lionfish were provided the opportunity to breach the Florida Current. We also find that hurricanes during this period increased the rate of spread of lionfish through the Bahamas by more than 45% and magnified its population by at least 15%. Beyond invasive lionfish, we suggest that extreme weather events such as hurricanes likely help to homogenize the gene pool for all Caribbean marine species susceptible to transport. © 2015 John Wiley & Sons Ltd.

  19. The great East Japan earthquake of March 11, 2011, from the vantage point of blood banking and transfusion medicine.

    Nollet, Kenneth E; Ohto, Hitoshi; Yasuda, Hiroyasu; Hasegawa, Arifumi

    2013-01-01

    The Great East Japan Earthquake of March 11, 2011, and subsequent tsunami took nearly 20 000 lives in Tohoku, the northeastern part of Japan's main island. Most victims were either carried away by the tsunami or drowned. The ability to collect blood was disrupted on the Pacific coast of Tohoku. Inland areas were less affected, but allogeneic blood collected in Tohoku is tested at the Miyagi Red Cross Blood Center (Miyagi Center) in the coastal city of Sendai. Miyagi Center was damaged and could not test for 2 months. The aims of this study are as follows: (1) to assess transfusion practice at 8 disaster response hospitals in Tohoku's Fukushima Prefecture, for equal intervals before and after March 11, 2011; (2) to report activities related to blood collection and distribution in response to the disaster; and (3) to describe the Great East Japan Earthquake in the context of other disasters. Data were collected through a survey of transfusion services at 8 major disaster response hospitals, communication at transfusion conferences, and literature review. Transfused patients and units transfused were about 70% and 60% of normal in the surveyed hospitals because this was a disaster of mass casualty rather than mass injury, and patients requiring chronic care were evacuated out. A nationally coordinated effort allowed excess blood collected outside Tohoku to be transported in, despite infrastructure damage. Japan's national system of blood collection and distribution responded effectively to local needs after the Great East Japan Earthquake. Disasters such as Japan's 3.11 should guide discourse about emergency preparedness and centralization of services. Copyright © 2013. Published by Elsevier Inc.

  20. Sequential development of platform to off-platform facies of the great American carbonate bank in the central Appalachians: chapter 15

    Brezinski, David K.; Taylor, John F.; Repetski, John E.

    2012-01-01

    In the central Appalachians, carbonate deposition of the great American carbonate bank began during the Early Cambrian with the creation of initial ramp facies of the Vintage Formation and lower members of the Tomstown Formation. Vertical stacking of bioturbated subtidal ramp deposits (Bolivar Heights Member) and dolomitized microbial boundtsone (Fort Duncan Member) preceded the initiation of platform sedimentation and creation of sand shoal facies (Benevola Member) that was followed by the development of peritidal cyclicity (Daragan Member). Initiation of peritidal deposition coincided with the development of a rimmed platform that would persist throughout much of the Cambrian and Early Odrovician. At the end of deposition of the Waynesboro Formation, the platform became subaerially exposed because of the Hawke Bay regression, bringing the Sauk I supersequence to and end. In the Conestoga Valley of eastern Pennsylvania, Early Cambrian ramp deposition was succeeded by deposition of platform-margin and periplatfrom facies of the Kinzers Formation.

  1. METHODS OF TAXATION IN THE TAX HAVENS. EXAMPLES OF TAXATION IN THE BAHAMAS, BERMUDA AND THE CAYMAN ISLANDS

    ENEA CONSTANTIN

    2015-12-01

    Full Text Available We should never trust appearances: "the drum, with all the noise it makes is not only filled with wind"[1]. This old oriental proverb perfectly illustrates our proposal regarding the "true false" tax havens. Only at the beginning of this century, learned before firms to exercise their activity in the national territory, returned to international trade. The continuous search for new outlets to escape the growing production, export them first and then they were implanted overseas sales platforms and then installing production. Zero Haven sites or havens with zero tax consisting essentially of small economies, the British colonies (Cayman Islands, British Virgin Islands, dependent territories of the Commonwealth (Bermuda or territories became independent (Antigua, Bahamas 1963 or Vanuatu 1980. Our study will analyze tax havens most common: Bahamas, Bermuda or the Cayman Islands, where we find all models of reception that can be viewed in other areas zero-haven: International Business Companies (Antigua, the Virgin Islands, Nevis exemption schemes to insurance companies or banks (Barbados, Vanuatu. The subject of tax evasion subject of much debate, targeting both the domestic economic space and the world. Unlike their concerns globally, domestic concerns to reduce tax evasion resumes, especially on taxation of small businesses, avoiding knowingly scope of tax havens.

  2. Status and conservation of parrots and parakeets in the Greater Antilles, Bahama Islands, and Cayman Islands

    Wiley, J.W.

    1991-01-01

    In the 1490s a minimum of 28 species of psittacines occurred in the West Indies. Today, only 43% (12) of the species survive. All macaws and most parakeet species have been lost. Although the surviving parrot fauna of the Greater Antilles, Cayman Islands, and Bahama Islands has fared somewhat better than that of the Lesser Antilles, every species has undergone extensive reductions of populations and all but two have undergone extensive reductions in range, mostly as a result of habitat loss, but also from persecution as agricultural pests, conflicts with exotic species, harvesting for pets, and natural disasters. The Cayman Brac Parrot Amazona leucocephala hesterna with its tiny population (less than 150 individuals in the wild) and range, and the Puerto Rican Parrot A. vittata, with about 22-23 birds in the wild and 56 individuals in captivity, must be considered on the verge of extinction and in need of (in the latter's case, continuing) aggressive programmes of research and management. Other populations declining in numbers and range include the Yellow-billed Amazona collaria, and Black-billed A. agilis Parrots of Jamaica, Hispaniolan Parakeet Aratinga chloroptera, Hispaniolan Parrot Amazona ventralis, Cuban Parrot A. leucocephala leucocephala and, most seriously, Cuban Parakeet Aratinga euops. The population of the Grand Cayman Parrot (Amazona leucocephala caymanensis), although numbering only about 1,000 birds, appears stable and the current conservation programme gives hope for the survival of the race. An active conservation and public education programme has begun for the Bahama Parrot A. l. bahamensis, which still occurs in good numbers on Great Inagua Island, but is threatened on Abaco Island. Recommendations for conservation of parrots and parakeets in the region include (1) instituting long-term programmes of research to determine distribution, status, and ecology of each species; (2) developing conservation programmes through education and management

  3. Photo-Geomorphology of Coastal Landforms, Cat Island, Bahamas. Volume II,

    The report provides the aerial imagery used in the analysis of the coastal landforms of Cat Island in the east-central Bahama Islands. Interpretive...published volume Coastal Landform of Cat Island, Bahamas: A Study of Holocene Accretionary Topography and Sea-Level Change but may also serve as an

  4. Is the lionfish invasion waning? Evidence from The Bahamas

    Benkwitt, Cassandra E.; Albins, Mark A.; Buch, Kevin L.; Ingeman, Kurt E.; Kindinger, Tye L.; Pusack, Timothy J.; Stallings, Christopher D.; Hixon, Mark A.

    2017-12-01

    Indo-Pacific lionfishes ( Pterois volitans/ miles) have undergone rapid population growth and reached extremely high densities in parts of the invaded Atlantic. However, their long-term population trends in areas without active management programs are unknown. Since 2005, we have monitored lionfish abundance in the Exuma Cays of the central Bahamas on 64 reefs ranging in size from 1 to 4000 m2. Lionfish densities increased from the first sighting in 2005 through 2009, leveled off between 2010 and 2011, and then began to decrease. By 2015, densities had noticeably declined on most of these reefs, despite a lack of culling or fishing efforts in this part of The Bahamas. There was no consistent change in lionfish size structure through time. We discuss possible causes of the decline, including reductions in larval supply or survival, hurricanes, interactions with native species, and intraspecific interactions. Further studies are required to determine whether the declines will persist. In the meantime, we recommend that managers continue efforts to control invasive lionfish abundances locally.

  5. The HIV continuum of care in the Bahamas in 2014

    Nikkiah Forbes

    Full Text Available ABSTRACT Objective The HIV cascade of care describes the spectrum of engagement in HIV care from diagnosis to viral suppression (VS. The study objective was to develop a baseline HIV cascade of care for new HIV diagnoses in the Bahamas in 2014. Methods Individuals who were newly diagnosed with HIV in 2014 and known to be alive within a year of that diagnosis were included in the cascade of care (n = 250. Individuals with one CD4 or HIV viral load (VL measure in 2014 were considered linked to care. Those with at least two CD4 counts in the year were considered retained in care. Eligibility for antiretroviral therapy (ART was based on having a CD4 count 11 months/year. VL < 1 000 copies/ml was considered suppressed. Comparisons were made in the cascades by gender and age. Results Of the 250 persons in the study, 79 of them (32% were retained in care. Antiretrovirals (ARVs were prescribed to 116 of the 250 (46%; of those 116, 48 of them (41% achieved VS. A higher proportion of women achieved VS than did men, but this difference did not reach statistical significance. Similarly, there were differences in VS based on age, but the differences were not statistically significant. Conclusions In the Bahamas, increased efforts are needed to help people living with HIV to link to and be retained in care. VS may remain suboptimal unless ART is scaled up and adherence interventions are included in measures to improve the treatment cascade.

  6. Making the National Security Council Better In the Bahamas to Resolve Illegal Migration

    2015-12-01

    states fell to Union forces that blockade running ceased in the islands.62 The islands experienced a severe economic depression at the end of the...Geographies and Caribbean Nationalism: At the Border Between ‘A Dying Colonialism’ and U.S. Hegemony,” New Centennial Review 3, no. 3 (fall 2003... Centennial Review 3, no. 3 (fall 2003), 151–174. 71 Defence Act (The Bahamas). Section 4. http://laws.bahamas.gov.bs/cms/images /LEGISLATION/PRINCIPAL

  7. Modern bank's credit risk

    Šabović Šerif

    2015-01-01

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

  8. Reptile-associated ticks from Dominica and the Bahamas with notes on hyperparasitic erythraeid mites.

    Durden, Lance A; Knapp, Charles R; Beati, Lorenza; Dold, Stephanie

    2015-02-01

    Ticks were collected or recorded from 522 individual reptiles on Dominica and from 658 reptiles from the Bahamas. Two species of ticks were collected on Dominica: Amblyomma antillorum and Amblyomma rotundatum. Similarly, 2 species were collected in the Bahamas: Amblyomma albopictum and Amblyomma torrei. On Dominica, A. antillorum was recorded from 517 Lesser Antillean iguanas (Iguana delicatissima), 2 boa constrictors (Boa nebulosa), 1 Antilles snake (Alsophis sibonius), and 1 Dominican ground lizard (Ameiva fuscata), whereas A. rotundatum was recorded from 1 Lesser Antillean skink (Mabuya mabouya). In the Bahamas, A. albopictum was recorded from 131 Andros iguanas (Cyclura cychlura cychlura), 271 Exuma Island iguanas (Cyclura cychlura figginsi), and 1 Andros curlytail lizard (Leiocephalus carinatus coryi), whereas A. torrei was recorded from 255 Exuma Island iguanas. In the Bahamas, A. albopictum parasitized iguanas on Andros Island and the central Exuma Islands, and A. torrei parasitized iguanas in the southern Exumas. An exception to this trend was that A. torrei was collected from iguanas on Pasture Cay in the central Exumas, an anomaly that is explained by the fact that iguanas (with attached ticks) on Pasture Cay were introduced by humans in the past from islands further south. External hyperparasitic larval erythraeid mites ( Leptus sp.) were recorded from A. torrei in the Bahamas.

  9. Bahalana geracei n. gen., n. sp., a troglobitic marine cirolanid isopod from Lighthouse Cave, San Salvador Island, Bahamas

    Carpenter, Jerry H.

    1981-01-01

    Bahalana geracei is described from Lighthouse Cave on San Salvador Island, Bahamas. It is the first subterranean cirolanid from the Bahamas, and the first to be found in waters of full marine salinity. Its most distinguishing characteristic is that its first three pairs of pereiopods are prehensile and extremely long. Natural history observations are also reported.

  10. Bahalana geracei n. gen., n. sp., a troglobitic marine cirolanid isopod from Lighthouse Cave, San Salvador Island, Bahamas

    Carpenter, Jerry H.

    1981-01-01

    Bahalana geracei is described from Lighthouse Cave on San Salvador Island, Bahamas. It is the first subterranean cirolanid from the Bahamas, and the first to be found in waters of full marine salinity. Its most distinguishing characteristic is that its first three pairs of pereiopods are prehensile

  11. Ramble Bahamas: Pioneering Bahamian History & Culture in the Digital Age

    Jessica R. Dawson

    2017-05-01

    Full Text Available The digital humanities offer a unique vehicle for bridging the past and present. Interactive media formats encourage user engagement while maintaining the integrity of historical methodologies. Digital platforms enable audiences located far and wide to access information that is not easily available in print format. All these advantages carry special value for students, educators, and scholars who are investigating twentieth-century Bahamian history. Such audiences are met with a grave shortage of resources, whether in physical format or web-based format, which illuminate the Bahamian experience. The challenge of accessing resources confronts, in particular, audiences which are located within the Bahamian archipelago yet outside the central island of New Providence as well audiences that are located abroad. Ramble Bahamas seeks to remedy this deficit by providing a curated collection of easily accessible place-based exhibits in an innovative medium. Each geo-tagged exhibit includes a cohesive narrative which centers on the story of an historically significant site or object. Additional context is built through the inclusion of historical images, newspapers, other documents, and contemporary photographs. Select audio clips taken from oral history interviews with authoritative narrators are also featured within each exhibit to deepen the sense of place, further stimulate the sensory experience of the visitor, and extend each visitor's knowledge about events associated with the location and about circumstances prevailing during the era. Techniques for constructing the product include carrying out oral history interviews, conducting documentary and archival research, and performing audio-visual digitization and editing, as well as deploying and customizing the Omeka content management system powered by Curatescape.

  12. Assessing Stress Responses in Beaked and Sperm Whales in the Bahamas

    2016-05-23

    sex and reproductive status (i.e. other physiologic influences) when interpreting levels of GCs as indicators of stress responses. 2.2 2.2 0 Adult... Stress Responses in Beaked and Sperm Whales in the Bahamas" Please find attached final reports for the above referenced ONR award for the period ending...Assessing Stress Responses in Beaked and Sperm Whales in the Bahamas Rosalind M. Rolland D.V.M., Kathleen E. Hunt Ph.D., Elizabeth A. Burgess M.Sc. Ph.D

  13. BANKING WITHOUT INTEREST

    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.

  14. FRACTIONAL BANKING

    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.

  15. Ocean PHILLS Data Collection and Processing: May 2000 Deployment, Lee Stocking Island, Bahamas

    Leathers, Robert

    2002-01-01

    .... It was deployed in a region near Lee Stocking Island (LSI), Bahamas in May 2000. This document describes the LSI 2000 PHILLS data set and the manner in which it was processed to obtain remote-sensing reflectance images for use by the scientific community...

  16. Habitat Distribution of Birds Wintering in Central Andros, The Bahamas: Implications for Management

    DAVE CURRIE; JOSEPH M. WUNDERLE JR.; DAVID N. EWERT; MATTHEW R. ANDERSON; ANCILLENO DAVIS; JASMINE TURNER

    2005-01-01

    We studied winter avian distribution in three representative pine-dominated habitats and three broadleaf habitats in an area recently designated as a National Park on Andros Island, The Bahamas, 1-23 February 2002. During 180 five-minute point counts, 1731 individuals were detected (1427 permanent residents and 304 winter residents) representing 51 species (29...

  17. Selected Bibliography from the Special Collections Department of The College of The Bahamas Library

    Angela Gottardi

    2008-02-01

    Full Text Available In the Special Collections Department of The College of The Bahamas Library resides a little treasure trove of resources pertaining to The Bahamas, the West Indies and Africa. These collections hold a variety of printed materials: books, dissertations, research studies, government documents, journals, newspaper clippings and ephemera. The Bahamian Collection is the most extensive. Established in 1984, it serves the purpose of a research depository for The Bahamas, as the National Library is yet to be built. Officially, the National Archives is the depository for the historical records of the country. The Bahamas is fortunate in having a very fine archival institution, located on Mackey Street. Titles included in the Bahamian Collection Selected Bibliography are books chosen for their representational appeal. The intention was to represent a cross-section of publications highlighting all aspects of The Bahamas. That was the primary criterion. The other consideration was motivational value. By this is meant the ability to tantalize the reader into discovering more about who, why and what has been printed to preserve, inform, entertain and contemplate the fascinating evolution of The Bahamas. Owing to the strong oral tradition of the country, the printed record of the people began somewhat later than in many other cultures. This too is of significance to the interested reader. In August 1996 when I came to work at The College of The Bahamas as the Special Collections Librarian, I knew nothing of the colors, textures and vitality of this country. A Fodor's travel guide provided factual information and description and some enticing photographs. The context of Bahamian life was a mystery to me. As the authors of the books selected for this bibliography, I have grown more and more intrigued by this island archipelago. Thanks to the encoded voice of natives and, like myself, windblown curious wanderers who have had the good fortune to arrive, if only

  18. Bank Resolution in the European Banking Union

    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...

  19. Bank Resolution in the European Banking Union

    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...

  20. Islamic banking

    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.

  1. Stratigraphic and microfossil evidence for hydroclimate changes over the middle to late Holocene in the northern Bahamas from an inland saline lake

    van Hengstum, P. J.; Maale, G. E.; Donnelly, J. P.; Onac, B. P.; Sullivan, R.; Winkler, T. S.; Albury, N. A.

    2016-12-01

    No Man's Land is one of the largest inland lakes on the Little Bahama Bank in the northern Bahamas, so its paleoenvironmental history may provide insight into how the regional hydroclimate developed over the Holocene. In its modern state, the site is shallow (aquatic invertebrates (e.g., ostracodes, foraminifera, aquatic mollusks) indicate that the site was a terrestrial ecosystem. However, the site transitioned into a subaqueous freshwater environment at 6400 Cal yrs BP, and the site became a palustrine-lacustrine setting thereafter until 4200 Cal yrs BP. During this time, widespread palustrine-lacustrine carbonate deposition and the appearance of freshwater to low mesohaline microfossils indicates that the lake's salinity was likely oligohaline (charophytes, ostracodes: Candona annae, Cypridopsis vidua, foraminifera: Helenina davescottensis, mollusks: Planorbis, Hydrobia). A salinity increase at 4200 Cal yrs BP is inferred from the appearance of the ostracode Cyprideis americana that typically prefers salinities exceeding 10 psu, and deposition of laminated microbial mats. Thereafter, an organic- rich, algal sapropel unit accumulated that was devoid of any microfossils or mollusks. This unit suggests that the lake hosted a stratified water column, where surface waters supported phytoplankton primary productivity and corrosive or anoxic bottom water conditions either hampered microfossil growth or precluded their preservation. The transition to the modern environment ( 20 psu) at 2600 cal yrs BP is characterized by diversification of brackish ostracodes (Aurila floridana, Dolerocypria inopinata, and Hemicyprideis setipunctata), foraminifera (Elphidium spp., Ammonia beccarii, Triloculina oblonga) and mollusks (Anomalocardia, Cerithidea). Over the middle to late Holocene, it appears that the stratigraphic development and salinity changes in No Man's Land has been driven by groundwater-level rise in response to Holocene sea-level rise, the regional delivery of fresh

  2. Banking contracts

    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...

  3. First Year English at The College of The Bahamas: Student Perceptions

    Raymond Austin Oenbring

    2016-10-01

    Full Text Available The report presents the findings of a student exit survey of the largest first-year writing course at the College of the Bahamas, a study designed to measure students’ perception of learning in the course. To facilitate comparison, the survey instrument generally followed publicly-available survey studies of first-year composition students at other pots-secondary institutions. While exit survey suggests that students perceive the course as a whole to be beneficial for their development as academic writers, there is some evidence that students over-represented their learning in the class in their responses to the survey. Based on the data, the authors make several suggestions for improving student experience and outcomes in first-year writing courses at the College of the Bahamas.

  4. About Banking.

    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…

  5. A qualitative, phenomenological study on the lived experiences of science teachers in The Bahamas

    Micklewhite, Thalia Vionne

    This phenomenological study investigates the lived experiences and perceptions of secondary science teachers in the archipelagic country of The Bahamas and how these teachers make meaning of the secondary science program in The Bahamas through the lens of life in a democratic society. The study's purpose was to answer the question: What are the lived experiences of secondary science teachers in The Bahamas in terms of their working conditions'? Using principles of phenomenological research to approach meaning, in-depth interviewing was conducted with six secondary science teachers on four islands of The Bahamas, including the capital of New Providence. The participants and the selected islands are representative of the diversity of teachers, the population, and school climates and structures throughout the country. Narratives were obtained via three ninety-minute interviews with each participant; and thematic analysis was the instrument by which three central themes emerged. Analysis of narratives reveals that lived experience of secondary science teachers revolve around themes of: (1) The Professional Self, (2) Curriculum Leadership, and (3) Curriculum. Most participants are in the career of secondary science education as second choice but are still committed to the profession. Participants overwhelmingly commented that there was a lack of supportive frameworks for critical elements of their daily work, and a need for clear, visionary and decisive curriculum leadership by The Ministry of Education and private School Boards. Participants also desired more appropriate and alternative science curricula that would meet the need of non-academically inclined Bahamian students. Antecedent to their calls was a pressing recognition that they lacked participatory democratic voice in national secondary science education evidenced by years of unrecognized and unattended suggestions sent to those in authority. As a result of these findings, the researcher was propelled towards

  6. Relationship Banking in Labor Bank

    三村, 聡

    2012-01-01

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

  7. H2O2 levels in rainwater collected in south Florida and the Bahama Islands

    Zika, R.; Saltzman, E.; Chameides, W. L.; Davis, D. D.

    1982-01-01

    Measurements of H2O2 in rainwater collected in Miami, Florida, and the Bahama Islands area indicate the presence of H2O2 concentration levels ranging from 100,000 to 700,000 M. No systematic trends in H2O2 concentration were observed during an individual storm, in marked contrast to the behavior of other anions for example, NO3(-), SO4(-2), and Cl(-). The data suggest that a substantial fraction of the H2O2 found in precipitation is generated by aqueous-phase reactions within the cloudwater rather than via rainout and washout of gaseous H2O2.

  8. Report on a Continuing Professional Education Needs Assessment among Library Personnel in The Bahamas

    Elsie Bain

    2016-10-01

    Full Text Available The College of The Bahamas Libraries and Instructional Media Services department is the premier academic and research library in the country. Its mission is to meet the needs and expectations of its patrons by acquiring and maintaining extensive physical and digital repositories of resources to support teaching and research. During a library symposium held in 2016 the planning committee surveyed attendees to gather information about their educational background and needs and goals for continuing professional education. The article summarizes the findings and potential implications of the survey.

  9. Is shadow banking really banking?

    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. Drought in the northern Bahamas from 3300 to 2500 years ago

    van Hengstum, Peter J.; Maale, Gerhard; Donnelly, Jeffrey P.; Albury, Nancy A.; Onac, Bogdan P.; Sullivan, Richard M.; Winkler, Tyler S.; Tamalavage, Anne E.; MacDonald, Dana

    2018-04-01

    Intensification and western displacement of the North Atlantic Subtropical High (NASH) is projected for this century, which can decrease Caribbean and southeastern American rainfall on seasonal and annual timescales. However, additional hydroclimate records are needed from the northern Caribbean to understand the long-term behavior of the NASH, and better forecast its future behavior. Here we present a multi-proxy sinkhole lake reconstruction from a carbonate island that is proximal to the NASH (Abaco Island, The Bahamas). The reconstruction indicates the northern Bahamas experienced a drought from ∼3300 to ∼2500 Cal yrs BP, which coincides with evidence from other hydroclimate and oceanographic records (e.g., Africa, Caribbean, and South America) for a synchronous southern displacement of the Intertropical Convergence Zone and North Atlantic Hadley Cell. The specific cause of the hydroclimate change in the northeastern Caribbean region from ∼3300 to 2500 Cal yrs BP was probably coeval southern or western displacement of the NASH, which would have increased northeastern Caribbean exposure to subsiding air from higher altitudes.

  11. How a science methods course may influence the curriculum decisions of preservice teachers in the Bahamas

    Wisdom, Sonya L.

    The purpose of this study was to examine how a science methods course in primary education might influence the curriculum decisions of preservice teachers in The Bahamas related to unit plan development on environmental science topics. Grounded in a social constructivist theoretical framework for teaching and learning science, this study explored the development of the confidence and competence of six preservice teachers to teach environmental science topics at the primary school level. A qualitative case study using action research methodologies was conducted. The perspectives of preservice teachers about the relevancy of methods used in a science methods course were examined as I became more reflective about my practice. Using constant comparative analysis, data from student-written documents and interviews as well as my field notes from class observations and reflective journaling were analyzed for emerging patterns and themes. Findings of the study indicated that while preservice teachers showed a slight increase in interest regarding learning and teaching environmental science, their primary focus during the course was learning effective teaching strategies in science on topics with which they already had familiarity. Simultaneously, I gained a deeper understanding of the usefulness of reflection in my practice. As a contribution to the complexity of learning to teach science at the primary school level, this study suggests some issues for consideration as preservice teachers are supported to utilize more of the national primary science curriculum in The Bahamas.

  12. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    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.

  13. The Effects of 60 Days of Tray Ration Consumption in Marine Combat Engineers While Deployed on Great Inagua Island, Bahamas.

    2000-01-01

    Turkey Eggs Fruit Sausage Vegetables Spaghetti and Meatballs Potatoes BBQ Ribs Chocolate Cake Strawberry Oatmeal Western Omlet Beef Stew Chow Mein...Stir Fry Juice 2 Potatoes Rice 2 Hamburgers Eggs With Sausage 2 Eggs in General Meatballs Table 10.10. T Ration items Marines tired of at breakfast...the three test periods. RESULTS Ratinas of T and B Breakfasts Significant main effect acceptability ratings were observed between eggs (T Ration

  14. The Law Collection (formerly the Law Library of Library and Instructional Media Services at the College of the Bahamas

    Errol Augustus Adams

    2015-01-01

    Full Text Available The Law Collection of the Harry C. Moore Library and Information Centre was first established in August 2000 at the time that the College of The Bahamas entered into a collaborative LL.B programme with the University of the West Indies. This paper profiles the law librarians, the Law Collection and the UWI/COB programme.

  15. The Law Collection (formerly the Law Library of Library and Instructional Media Services at the College of the Bahamas

    Errol Augustus Adams

    2015-02-01

    Full Text Available The Law Collection of the Harry C. Moore Library and Information Centre was first established in August 2000 at the time that the College of The Bahamas entered into a collaborative LL.B programme with the University of the West Indies. This paper profiles the law librarians, the Law Collection and the UWI/COB programme.

  16. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    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...

  17. THE OLD AGE PENSION SYSTEM IN A TAX HAVEN: THE CASE OF THE BAHAMAS

    JAROSŁAW POTERAJ

    2012-01-01

    Full Text Available The article presents an insight into the old age pension system in The Bahamas. There are four topic paragraphs: 1. the general information about country, 2. the evolution of its pension system, 3. the present situation, and 4. challenges and foreseen changes. There, the author’s goal was to present both past and present solutions employed by The Bahamas’ pension system, in search for ideas worth consideration in international comparisons. In the summary, the author highlights as a particular Bahamian approach, on the background of other countries, the typical for a tax haven attitude that the providing for the old age should be left to the prudence of each individual. The reader will learn that in the perspective of a few decades, the Bahamian pension system is endangered with insolvency. The actuarial considerations in the country seek solution to the problem in rising the compulsory rate of social insurance contribution.

  18. Sea-level related resedimentation processes on the northern slope of Little Bahama Bank (Middle Pleistocene to Holocene)

    Lantzsch, H.; Roth, S.; Reijmer, J.J.G.

    2007-01-01

    -slope depositional environment. The sediment composition indicates sea-level related deposition processes for the past 375000 years (marine isotope stages 1 to 11). The sediments consist of: (i) periplatform ooze (fine-grained particles of shallow-water and pelagic origin) with moderate variations in carbonate...

  19. Anomalous magnetic susceptibility values and traces of subsurface microbial activity in carbonate banks on San Salvador Island, Bahamas

    Hladil, Jindřich; Carew, J. L.; Mylroie, J. E.; Pruner, Petr; Kohout, Tomáš; Jell, J. S.; Lacka, B.; Langrová, Anna

    2004-01-01

    Roč. 50, č. 2 (2004), s. 161-182 ISSN 0172-9179 R&D Projects: GA AV ČR(CZ) IAA3013209 Keywords : carbonate rocks * magnetic susceptibility * subsurface microbial diagenesis Subject RIV: DB - Geology ; Mineralogy Impact factor: 0.857, year: 2004

  20. A Near-Annual Record of Hurricane Activity From the Little Bahama Bank Over the Last 700 Years

    Winkler, T. S.; van Hengstum, P. J.; Donnelly, J. P.; Sullivan, R.; Albury, N. A.

    2016-12-01

    Long-term and high-resolution records of hurricane activity that extend past the short observational record (8m vibracores collected with a Rossfelder P-3. The previous core analyzed (TPBH-C1, Continental Shelf Research, 2014) was likely obtained from the cave-area of the bluehole, and previous radiocarbon-dated bivalves deeper in the core were likely impacted by an old-carbon effect, casting doubt on the veracity of the previous age-model at this site. Recent overwash beds from Hurricane Jeanne (2004) and Hurricane Floyd (1999) are present at all coretops, and additional radiocarbon dating that includes terrestrial organic matter fragments indicates a near-annual sedimentation rate in the bluehole (>1cm yr-1), with the record spanning the last 700 years. Since 1866 CE, 12 hurricanes with wind speeds exceeding Category 2 on the Saffir-Simpson Scale (wind speeds 154-177 km hr-1) have passed within a 50 km radius of TPBH, many of which can be associated with coarse-grained overwash deposits in the top 200 cm of TPBH-C3. It appears from this high-resolution record that 1500-1650 CE and 1750-1800 CE were active intervals for hurricanes near Abaco, which were previously identified in a lower-resolution (multi-decadal) hurricane reconstruction from Abaco (Blackwood Sinkhole). Additionally, these active intervals coincide with evidence of regional storminess from multiple reconstructions based on historical archives (e.g.: Archivo General de Indias, newspapers, ships' logbooks, meteorological journals), and the 1500-1650 CE active interval falls within a previously identified 1400-1675 CE active interval of intense hurricane strikes on the Northeastern United States. Once the age-model is finalized, further comparison of this record to other regional oceanographic and high-resolution hurricane reconstructions may provide further insight into the drivers of hurricane activity during the last millennium.

  1. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    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.

  2. BANK GUARANTEES

    Vasile NEME

    2012-01-01

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

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

    IMOLA DRIGĂ

    2014-10-01

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

  4. Great Apes

    Sleeman, Jonathan M.; Cerveny, Shannon

    2014-01-01

    Anesthesia of great apes is often necessary to conduct diagnostic analysis, provide therapeutics, facilitate surgical procedures, and enable transport and translocation for conservation purposes. Due to the stress of remote delivery injection of anesthetic agents, recent studies have focused on oral delivery and/or transmucosal absorption of preanesthetic and anesthetic agents. Maintenance of the airway and provision of oxygen is an important aspect of anesthesia in great ape species. The provision of analgesia is an important aspect of the anesthesia protocol for any procedure involving painful stimuli. Opioids and nonsteroidal anti-inflammatory drugs (NSAIDs) are often administered alone, or in combination to provide multi-modal analgesia. There is increasing conservation management of in situ great ape populations, which has resulted in the development of field anesthesia techniques for free-living great apes for the purposes of translocation, reintroduction into the wild, and clinical interventions.

  5. Historical Processes and Contemporary Anthropogenic Activities Influence Genetic Population Dynamics of Nassau Grouper (Epinephelus striatus within The Bahamas

    Krista D. Sherman

    2017-12-01

    Full Text Available Severe declines of endangered Nassau grouper (Epinephelus striatus across The Bahamas and Caribbean have spurred efforts to improve their fisheries management and population conservation. The Bahamas is reported to hold the majority of fish spawning aggregations for Nassau grouper, however, the status and genetic population structure of fish within the country is largely unknown, presenting a major knowledge gap for their sustainable management. Between August 2014–February 2017, 464 individual Nassau grouper sampled from The Bahamas were genotyped using 15 polymorphic microsatellite loci to establish measures of population structure, genetic diversity and effective population size (Ne. Nassau grouper were characterized by mostly high levels of genetic diversity, but we found no evidence for geographic population structure. Microsatellite analyses revealed weak, but significant genetic differentiation of Nassau grouper throughout the Bahamian archipelago (Global FST 0.00236, p = 0.0001. Temporal analyses of changes in Ne over the last 1,000 generations provide evidence in support of a pronounced historic decline in Bahamian Nassau grouper that appears to pre-date anthropogenic fishing activities. M-ratio results corroborate significant reductions in Ne throughout The Bahamas, with evidence for population bottlenecks in three islands and an active fish spawning aggregation along with apparent signs of inbreeding at two islands. Current estimates of Ne for Nassau grouper are considerably lower compared with historic levels. These findings represent important new contributions to our understanding of the evolutionary history, demographics and genetic connectivity of this endangered species, which are of critical importance for advancing their sustainable management.

  6. Comparison of zooxanthellae densities from upside-down jellyfish, Cassiopea xamachana, across coastal habitats of The Bahamas

    Stoner, Elizabeth W.; Sebilian, Serina S.; Layman, Craig A.

    2016-01-01

    Anthropogenic disturbances may drive jellyfish blooms, and previous studies have suggested this is the case for upside-down jellyfish (Cassiopea xamachana). Cassiopea were found to have higher mean zooxanthellae densities in human-impacted areas on Abaco Island, The Bahamas, suggesting that nutrient loading in impacted sites may be one factor driving zooxanthellate jellyfish blooms. Gut contents from Cassiopea medusae were positively correlated to zooxanthellae densities, indicating that hete...

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

    YU, LIN

    2009-01-01

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

  8. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

    This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

  9. 12 CFR 619.9140 - Farm Credit bank(s).

    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...

  10. Great Expectations

    Dickens, Charles

    2005-01-01

    One of Dickens's most renowned and enjoyable novels, Great Expectations tells the story of Pip, an orphan boy who wishes to transcend his humble origins and finds himself unexpectedly given the opportunity to live a life of wealth and respectability. Over the course of the tale, in which Pip

  11. Localized massive halo properties in BAHAMAS and MACSIS simulations: scalings, log-normality, and covariance

    Farahi, Arya; Evrard, August E.; McCarthy, Ian; Barnes, David J.; Kay, Scott T.

    2018-05-01

    Using tens of thousands of halos realized in the BAHAMAS and MACSIS simulations produced with a consistent astrophysics treatment that includes AGN feedback, we validate a multi-property statistical model for the stellar and hot gas mass behavior in halos hosting groups and clusters of galaxies. The large sample size allows us to extract fine-scale mass-property relations (MPRs) by performing local linear regression (LLR) on individual halo stellar mass (Mstar) and hot gas mass (Mgas) as a function of total halo mass (Mhalo). We find that: 1) both the local slope and variance of the MPRs run with mass (primarily) and redshift (secondarily); 2) the conditional likelihood, p(Mstar, Mgas| Mhalo, z) is accurately described by a multivariate, log-normal distribution, and; 3) the covariance of Mstar and Mgas at fixed Mhalo is generally negative, reflecting a partially closed baryon box model for high mass halos. We validate the analytical population model of Evrard et al. (2014), finding sub-percent accuracy in the log-mean halo mass selected at fixed property, ⟨ln Mhalo|Mgas⟩ or ⟨ln Mhalo|Mstar⟩, when scale-dependent MPR parameters are employed. This work highlights the potential importance of allowing for running in the slope and scatter of MPRs when modeling cluster counts for cosmological studies. We tabulate LLR fit parameters as a function of halo mass at z = 0, 0.5 and 1 for two popular mass conventions.

  12. Evolution of male coloration during a post-Pleistocene radiation of Bahamas mosquitofish (Gambusia hubbsi).

    Martin, Ryan A; Riesch, Rüdiger; Heinen-Kay, Justa L; Langerhans, R Brian

    2014-02-01

    Sexual signal evolution can be complex because multiple factors influence the production, transmission, and reception of sexual signals, as well as receivers' responses to them. To grasp the relative importance of these factors in generating signal diversity, we must simultaneously investigate multiple selective agents and signaling traits within a natural system. We use the model system of the radiation of Bahamas mosquitofish (Gambusia hubbsi) inhabiting blue holes to test the effects of resource availability, male body size and other life-history traits, key aspects of the transmission environment, sex ratio, and predation risk on variation in multiple male color traits. Consistent with previous work examining other traits in this system, several color traits have repeatedly diverged between predation regimes, exhibiting greater elaboration in the absence of predators. However, other factors proved influential as well, with variation in resource levels, body size, relative testes size, and background water color being especially important for several color traits. For one prominent signaling trait, orange dorsal fins, we further confirmed a genetic basis underlying population differences using a laboratory common-garden experiment. We illustrate a promising approach for gaining a detailed understanding of the many contributing factors in the evolution of multivariate sexual signals. © 2013 The Author(s). Evolution © 2013 The Society for the Study of Evolution.

  13. Electronic Banking And Bank Performance In Nigeria

    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-.

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

    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.

  15. A Macro Approach to International Bank Resolution

    D. Schoenmaker (Dirk)

    2017-01-01

    markdownabstractIn the aftermath of the Great Financial Crisis, regulators have rushed to strengthen banking supervision and implement bank resolution regimes. While such resolution regimes are welcome to reintroduce market discipline and reduce the reliance on taxpayer-funded bailouts, the effects

  16. Great Lakes

    Edsall, Thomas A.; Mac, Michael J.; Opler, Paul A.; Puckett Haecker, Catherine E.; Doran, Peter D.

    1998-01-01

    The Great Lakes region, as defined here, includes the Great Lakes and their drainage basins in Minnesota, Wisconsin, Illinois, Indiana, Ohio, Pennsylvania, and New York. The region also includes the portions of Minnesota, Wisconsin, and the 21 northernmost counties of Illinois that lie in the Mississippi River drainage basin, outside the floodplain of the river. The region spans about 9º of latitude and 20º of longitude and lies roughly halfway between the equator and the North Pole in a lowland corridor that extends from the Gulf of Mexico to the Arctic Ocean.The Great Lakes are the most prominent natural feature of the region (Fig. 1). They have a combined surface area of about 245,000 square kilometers and are among the largest, deepest lakes in the world. They are the largest single aggregation of fresh water on the planet (excluding the polar ice caps) and are the only glacial feature on Earth visible from the surface of the moon (The Nature Conservancy 1994a).The Great Lakes moderate the region’s climate, which presently ranges from subarctic in the north to humid continental warm in the south (Fig. 2), reflecting the movement of major weather masses from the north and south (U.S. Department of the Interior 1970; Eichenlaub 1979). The lakes act as heat sinks in summer and heat sources in winter and are major reservoirs that help humidify much of the region. They also create local precipitation belts in areas where air masses are pushed across the lakes by prevailing winds, pick up moisture from the lake surface, and then drop that moisture over land on the other side of the lake. The mean annual frost-free period—a general measure of the growing-season length for plants and some cold-blooded animals—varies from 60 days at higher elevations in the north to 160 days in lakeshore areas in the south. The climate influences the general distribution of wild plants and animals in the region and also influences the activities and distribution of the human

  17. How to regulate international banks

    W.B. Wagner (Wolf)

    2017-01-01

    textabstractThe practice of banking supervision has been thrust very firmly into the spotlight since the great global financial crisis began to unfold over a decade ago. In that time it has been the subject of endless debate and much disagreement.

  18. Commercial Banks

    Abbas Asosheh

    2009-09-01

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

  19. Electronic banking

    Gradišnik, Monika

    2017-01-01

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

  20. Sequential Banking.

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

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

  1. Simulating Retail Banking for Banking Students

    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…

  2. The prostate cancer screening clinic in the Bahamas: a model for low- and middle-income countries.

    Roberts, Robin; Mitchell, Corydon; Tancawan, Ana Lourdes; Pedican, Mandi; Jones, Glenn Wayne

    2017-11-01

    Grand Bahama (pop. 51,000) is an island within the Bahamas archipelago. A local chapter of International Us TOO Prostate Cancer Support Group (UTGB) has led an annual community-based prostate cancer screening clinic in Grand Bahama each September since 2009. Features of this initiative, characteristics of attendees, and a description of found cancers were summarized to determine the clinic's value and to guide improvements. We analyzed the established clinic from 2012 to 2015, wherein UTGB attracted corporate funding, volunteers managed clinics, and health professionals provided healthcare services. An explicit algorithm was used to sort clients by age, comorbidities, and findings from digital rectal examinations, and prostate-specific antigen (PSA) values, to determine which clients would undergo secondary assessment and prostate biopsy. Overall, 1,844 males were registered (mean age 57.6 years), and only 149 men attended on more than one occasion for a total of 1,993 clinic visit. The urologist reviewed 315 men in secondary follow-up, for elevated PSA and/or an abnormal digital rectal examination. Of these, 45 men fulfilled criteria for trans-rectal ultrasound biopsy, and there were 40 found cases of prostate cancer, for a positive-predictive value of 89%. By D'Amico risk-stratification, these 40 cases were low (10%), intermediate (40%), and high risk (50%). The urologist counseled all 40 cases and facilitated access to standard care. This study suggests that low-resource countries can advance cost-effective screening clinics, apply policy guidelines, and provide services within acceptable standards of care. It is the expectation, with a sustained effort and community participation over the ensuing years, that earlier disease presentation will occur and, consequently, a concomitant decrease in the disease-specific mortality.

  3. Impact of the 'Providing Access to Continued Education' Programme on Repeat Teenage Pregnancy in the Bahamas.

    Sakharkar, V P; Frankson, M A; Sakharkar, P R

    2015-05-15

    To determine the relationship of determinants such as age, ethnicity, education and sexual behaviour with repeat teenage pregnancy and to determine the impact of 'Providing Access to Continued Education' (PACE) programme in reducing repeat teenage pregnancy amongst its participants in The Bahamas. This retrospective cohort study included 397 attendees of the Adolescent Health Centre (AHC). Eighty-eight out of 139 registered participants completed the PACE programme. Data on age, ethnicity, education, sexual behaviour and repeat pregnancy in two years were analysed for descriptive statistics, and association of demographic characteristics and participation in the PACE programme with repeat pregnancy using the Chi-squared test. Mean age of participants was 16.4 ± 1.1 years; median school grade and mean grade point average (GPA) was 11 and 1.97 ± 0.7, respectively. The mean age at the first sexual activity was 14.9 ± 1.2 years. The mean age and number of sexual partners were 21 ± 4.3 years and 2 ± 1, respectively. Overall, repeat pregnancy rate was 39%: 37.4% amongst PACE registered and 31.8% amongst PACE completed mothers. No significant difference was observed in repeat pregnancy between registered and non-registered as well as those who completed the programme and those who did not. The odds ratio of 0.525 suggested that completion of the PACE programme had a moderate protective effect on reducing repeat pregnancy. Age, ethnicity, education and sexual behaviour showed no association with repeat pregnancy. The PACE programme did not reduce repeat pregnancy rate significantly. However, completion of the programme offered a moderate protection.

  4. Potential of Pigeon Creek, San Salvador, Bahamas, as Nursery Habitat for Juvenile Reef Fish

    Conboy, Ian Christopher

    2011-10-01

    Full Text Available This project assessed the significance of Pigeon Creek, San Salvador, Bahamas as a nursery habitat for coral reef fishes. Pigeon Creek’s perimeter is lined with mangrove and limestone bedrock. The bottom is sand or seagrass and ranges in depth from exposed at low tide to a 3-m deep, tide-scoured channel. In June 2006 and January 2007, fish were counted and their maturity was recorded while sampling 112 of 309 possible 50-m transects along the perimeter of the Pigeon Creek. Excluding silversides (Atherinidae, 52% of fish counted, six families each comprised >1% of the total abundance (Scaridae/parrotfishes, 35.3%; Lutjanidae/snappers, 23.9%; Haemulidae/grunts, 21.0%; Gerreidae/mojarras, 8.5%; Pomacentridae/damselfishes, 6.1%; Labridae/wrasses, 2.4%. There were few differences in effort-adjusted counts among habitats (mangrove, bedrock, mixed, sections (north, middle, southwest and seasons (summer 2006 and winter 2007. Red Mangrove (Rhizophora mangle, covering 68% of the perimeter was where 62% of the fish were counted. Snappers, grunts and parrotfishes are important food fishes and significant families in terms of reef ecology around San Salvador. Mangrove was the most important habitat for snappers and grunts; bedrock was most important for parrotfishes. The southwest section was important for snappers, grunts and parrotfishes, the north section for grunts and parrotfishes, and the middle section for snappers. Among the non-silverside fish counted, 91.2% were juveniles. These results suggest that Pigeon Creek is an important nursery for the coral reefs surrounding San Salvador and should be protected from potential disturbances.

  5. Red Lionfish (Pterois volitans Invade San Salvador, Bahamas: No Early Effects on Coral and Fish Communities

    Alexander, Amanda K.

    2011-10-01

    Full Text Available Biological invaders are a leading contributor to global losses of biodiversity. A recent invader to the waters surrounding San Salvador, Bahamas, the red lionfish, Pterois volitans, was first reported in 2006; by 2009 they were common in waters 2-40 m deep around the island. Our study collected data on coral communities and fish assemblages at three patch reef complexes (Rice Bay, Rocky Point, Lindsay Reef in 2007, during the initial phase of the invasion, and compared the results to a nearly identical study done in 2001 before P. volitans colonized San Salvador. Prey selection and quantity of consumption by P. volitans were also examined. Coral and fish species richness, diversity, percent cover (corals and abundance (fish were similar in 2001 and 2007. Of the 5,078 fish recorded during our study on shallow patch reefs, only two were P. volitans, but they were more prevalent in deeper water along San Salvador’s “wall.” Captured P. volitans ranged in size from 19-32 cm, all longer than maturity length. Pallid goby (Coryphopterus eidolon, black cap basslet (Gramma melacara and red night shrimp (Rynchocienetes rigens were the most commonly identified stomach contents. The effects of the successful invasion and increasing population of P. volitans on San Salvador’s reef ecosystem are uncertain at this time; future monitoring of potential changes in coral and fish communities on the patch reefs of San Salvador is recommended to determine if population control measures need to be considered. Initial post-invasion data (2007, along with pre-invasion data (2001, are valuable benchmarks for future studies.

  6. Is banking supervision central to central banking?

    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...

  7. Diverse habitat use during two life stages of the critically endangered Bahama Oriole (Icterus northropi: community structure, foraging, and social interactions

    Melissa R. Price

    2017-06-01

    Full Text Available Our ability to prevent extinction in declining populations often depends on effective management of habitats that are disturbed through wildfire, logging, agriculture, or development. In these disturbed landscapes, the juxtaposition of multiple habitat types can be especially important to fledglings and young birds, which may leave breeding grounds in human-altered habitat for different habitats nearby that provide increased foraging opportunities, reduced competition, and higher protection from predators. In this study, we evaluated the importance of three habitat types to two life stages of the critically endangered Bahama Oriole (Icterus northropi, a synanthropic songbird endemic to Andros, The Bahamas. First, we determined the avian species composition and relative abundance of I. northropi among three major vegetation types on Andros: Caribbean pine (Pinus caribaea forest, coppice (broadleaf dry forest, and anthropogenic areas, dominated by nonnative vegetation (farmland and developed land. We then compared the foraging strategies and social interactions of two age classes of adult Bahama Orioles in relation to differential habitat use. Bird surveys late in the Bahama Oriole’s breeding season indicated the number of avian species and Bahama Oriole density were highest in coppice. Some bird species occurring in the coppice and pine forest were never observed in agricultural or residential areas, and may be at risk if human disturbance of pine forest and coppice increases, as is occurring at a rapid pace on Andros. During the breeding season, second-year (SY adult Bahama Orioles foraged in all vegetation types, whereas after-second-year (ASY adults were observed foraging only in anthropogenic areas, where the species nested largely in introduced coconut palms (Cocos nucifera. Additionally, SY adults foraging in anthropogenic areas were often observed with an ASY adult, suggesting divergent habitat use for younger, unpaired birds. Other

  8. Credit spread variability in U.S. business cycles: the Great Moderation versus the Great Recession

    Hylton Hollander; Guangling Liu

    2014-01-01

    This paper establishes the prevailing financial factors that influence credit spread variability, and its impact on the U.S. business cycle over the Great Moderation and Great Recession periods. To do so, we develop a dynamic general equilibrium framework with a central role of financial intermediation and equity assets. Over the Great Moderation and Great Recession periods, we find an important role for bank market power (sticky rate adjustments and loan rate markups) on credit spread variab...

  9. Credit spread variability in U.S. business cycles: The Great Moderation versus the Great Recession

    Hylton Hollander and Guangling Liu

    2014-01-01

    This paper establishes the prevailing financial factors that influence credit spread variability, and its impact on the U.S. business cycle over the Great Moderation and Great Recession periods. To do so, we develop a dynamic general equilibrium framework with a central role of financial intermediation and equity assets. Over the Great Moderation and Great Recession periods, we find an important role for bank market power (sticky rate adjustments and loan rate markups) on credit spread variab...

  10. Interest Rate Fluctuation Effect on Commercial Bank's Fixed Fund Deposit in Nigeria

    Okolo Chimaobi Valentine

    2015-01-01

    Commercial banks in Nigeria adopted many strategies to attract fresh deposits including the use of high deposit rate. However, pricing of banking services moved in favor of the banks at the expense of customers, resulting in their seeking other investment alternatives rather than saving their money in the bank. Both deposit and lending rates were greatly influenced by the Central Bank of Nigeria (CBN) decision on interest rate. Therefore, commercial bank effort to attract...

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

    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

  12. Determinants of the Level of Care Provided for Various Types and Sizes of Dogs in New Providence, The Bahamas

    Fielding, William J.

    2010-01-01

    Full Text Available This paper reports the level of care offered 424 dogs, classified as small dogs, large dogs, pit bulls and potcakes (the colloquial name for the local mongrel in New Providence, The Bahamas. Levels of care that meet the legal minimum –food water and shelter– as well as care considered essential and enriched in The Bahamas were less common for large dogs than small dogs. Small dogs tended to get more care than other dogs and so were at lowest risk of being neglected.It is suggested that the size of the dog is an important factor which determines the level of care provided. Pit bulls generally received similar care to potcakes which are often considered neglected. Large dogs were more likely to be kept outside and less likely to be allowed inside the home than small dogs. It is conjectured that in many instances the level of care offered constitutes partial abandonment due to a lack of interaction between caregivers and their dogs.

  13. Parasitism in Pterois volitans (Scorpaenidae) from coastal waters of Puerto Rico, the Cayman Islands, and the Bahamas.

    Ramos-Ascherl, Zullaylee; Williams, Ernest H; Bunkley-Williams, Lucy; Tuttle, Lillian J; Sikkel, Paul C; Hixon, Mark A

    2015-02-01

    Recently, Pterois volitans, a Pacific species of lionfish, invaded the Atlantic Ocean, likely via the aquarium trade. We examined for internal and external parasites 188 individuals from 8 municipalities of Puerto Rico collected during 2009-2012, 91 individuals from Little Cayman, Cayman Islands, collected during the summers of 2010 and 2011, and 47 individuals from Lee Stocking Island, Bahamas, collected during the summer of 2009. In total, 27 parasite taxa were found, including 3 previously reported species from lionfish, the digenean Lecithochirium floridense, the leech Trachelobdella lubrica, and an Excorallana sp. isopod. We also report another 24 previously unreported parasite taxa from lionfish, including digeneans, monogeneans, cestodes, nematodes, isopods, a copepod, and an acanthocephalan. Among these parasites, several were previously unreported at their respective geographic origins: We report 5 new locality records from Puerto Rico, 9 from Cayman Islands, 5 from the Bahamas, 5 from the Caribbean, and 3 from the subtropical western Atlantic region. Three parasites are reported to associate with a fish host for the first time. The parasite faunas of P. volitans among our 3 study sites were quite different; most of the species infecting lionfish were generalists and/or species that infect carnivorous fishes. Although our study did not assess the impact of parasites on the fitness of invasive lionfish, it provides an important early step. Our results provide valuable comparative data for future studies at these and other sites throughout the lionfish's invaded range.

  14. China’s Flawed Banking Market Structure Must be Rectified

    于永臻

    2007-01-01

    There is great disparity between China’s banking management efficiency and the top international standard,with relatively low efficiency in credit monetary allocation.In this paper,Yu Yongzhen sets out the hypothesis that"medium-sized banks promote competition".He believes that an important reason for the low efficiency of Chinese banking is the seriously flawed banking market structure.Namely,credit market shares are highly concentrated in the hands of the four major state-owned banks,with very few shares held by medium-sized banks or the badly undeveloped small banks.Full development of medium-sized banks plays a key role in the promotion of competition and efficiency in banking.

  15. Fractional Reserve Banking : Sebuah Representasi Ekonomi Semu (Tinjauan Ekonomi Islam)

    Fathurrahman, Ayief

    2012-01-01

    This article tries to explain that fractional reserve banking is a system full of risks, even threatening the stability of the economy. Its implications led to many phenomena of the crisises, the most obvious exampleis the occurrence of the great depression in the 1930's. Related to this, Islam considers that fractional reserve banking is a great dengarous system, so that it has been considered contrary to the principles and values which brought by Islam. Concretely Islamic Bank offers a very...

  16. Zinc and Cadmium in Benthic Foraminifera as Tracers of Ocean Paleochemistry

    Marchitto, Thomas

    2000-01-01

    .... Zn/Ca is introduced as an important aid toward this goal. Benthic (Hoeglundina elegans) Cd/Ca ratios from the Bahama Banks indicate that the North Atlantic subtropical gyre was greatly depleted in nutrients during the last glacial maximum...

  17. Banking governance: New Approaches

    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.

  18. Cross-Border Banking

    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...

  19. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    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.

  20. Internet Banking integration within the banking system

    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.

  1. Green banking

    Maja Drobnjaković

    2013-06-01

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

  2. Bone banking.

    Howard, W

    1999-04-01

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

  3. Internet Banking integration within the banking system

    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. E-BANKING- MODERN BANKING SERVICES

    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

  5. Interest Free Banking in Nigeria - Welcome Islamic Banking ...

    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 ...

  6. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    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...

  7. ECONOMICS OF ALEXANDER THE GREAT (15 vols + 4 cdroms) by Gregory Zorzos

    Gregory Zorzos

    2002-01-01

    Research contains many ancient texts (Ancient Greek, Hebrews, Hieroglyphs, Assyrian, Sumerian, Babylonian, Latin, etc.). 1. (MICRO-MACRO ECONOMICS OF ALEXANDER THE GREAT (5 vols + cdrom). Microeconomics and macroeconomics of Alexander the Great. Economic theories, feasibilities, economic plannings, general description of the campaign's business plan etc. 2. BANKS OF ALEXANDER THE GREAT (2 vols + cdrom) Describes banking system, economists, financiers, investors, accountants, bookkeepers, etc,...

  8. The importance of business intelligence in the bank strategic marketing

    Đorđević Bojan

    2006-01-01

    Full Text Available Marketing philosophy today is inevitable for many financial institutions which are dealing with big competition in the market. Banking institutions while transforming from traditional to modern banks, must put in a first place acceptance of marketing principals, i.e. they must focus on consumers (users of bank's products & services. Implementing new technologies in business, banking market competitors are facing many innovations in products/services and processes, and a wide range of offers in banking and non-banking financial organizations. That invokes the need for modern technological solutions in gathering and processing a lot of market information and individual tracking of every client's activities (one-to-one. In those circumstances, there's great necessity to implement business intelligence system in banks, that can significantly help in finding and realization of adequate marketing strategies in banking business.

  9. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    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

  10. What is shadow banking?

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  11. Essays on banking

    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’

  12. Are EU Banks Safe?

    R.J. Theissen (Roel)

    2013-01-01

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

  13. Evolution in banking supervision

    Edward J. Stevens

    2000-01-01

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

  14. A Paradigm Shift in Law Enforcement Training in the Bahamas: Teacher-Centered to Learner-Centered

    Hunter-Johnson, Yvonne

    2012-10-01

    Full Text Available This study focused on determining whether the learning preference of law enforcement officers in the Bahamas was either pedagogical (teacher-centered or andragogical (student-centered. Law enforcement personnel in a Bahamian police department were administered the Student Orientation Questionnaire (SOQ developed by Christian (1982. One hundred and sixty-eight individuals completed the SOQ. Chi square statistics were calculated on the variables of educational level and gender. The preferred learning orientation was primarily andragogical; those with higher education levels tended to have a higher andragogical orientation. There were no differences by gender. As a result of the findings, a three-step approach is proposed to transition the training environment from one that is teacher-centered to one that is learner-centered

  15. Small finance banks: Challenges

    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.

  16. 12 CFR 250.143 - Member bank purchase of stock of foreign operations subsidiaries.

    2010-01-01

    ... sections taken together already give member banks a great deal of organizational flexibility in conducting... engaged in activities that the bank itself could perform directly as an alternative organizational...

  17. Geochemical evidence for African dust inputs to soils of western Atlantic islands: Barbados, the Bahamas, and Florida

    Muhs, D.R.; Budahn, J.R.; Prospero, J.M.; Carey, S.N.

    2007-01-01

    We studied soils on high-purity limestones of Quaternary age on the western Atlantic Ocean islands of Barbados, the Florida Keys, and the Bahamas. Potential soil parent materials in this region, external to the carbonate substrate, include volcanic ash from the island of St. Vincent (near Barbados), volcanic ash from the islands of Dominica and St. Lucia (somewhat farther from Barbados), the fine-grained component of distal loess from the lower Mississippi River Valley, and wind-transported dust from Africa. These four parent materials can be differentiated using trace elements (Sc, Cr, Th, and Zr) and rare earth elements that have minimal mobility in the soil-forming environment. Barbados soils have compositions that indicate a complex derivation. Volcanic ash from the island of St. Vincent appears to have been the most important influence, but African dust is a significant contributor, and even Mississippi River valley loess may be a very minor contributor to Barbados soils. Soils on the Florida Keys and islands in the Bahamas appear to have developed mostly from African dust, but Mississippi River valley loess may be a significant contributor. Our results indicate that inputs of African dust are more important to the genesis of soils on islands in the western Atlantic Ocean than previously supposed. We hypothesize that African dust may also be a major contributor to soils on other islands of the Caribbean and to soils in northern South America, central America, Mexico, and the southeastern United States. Dust inputs to subtropical and tropical soils in this region increase both nutrient-holding capacity and nutrient status and thus may be critical in sustaining vegetation. Copyright 2007 by the American Geophysical Union.

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

    Samar Rahi

    2017-11-01

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

  19. GenBank

    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...

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

    Galina S. Panova

    2016-01-01

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

  1. Pengelolaan Likuiditas Bank Syariah

    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

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

    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

  3. Bank Syariah Sebagai Alternatif

    Adang Sudjana

    2003-03-01

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

  4. A Cross-cultural Comparison of Interpersonal Violence in the Lives of College Students from Two Colleges from The Bahamas and the United States of America

    William J. Fielding

    2014-10-01

    Full Text Available There is a dearth of studies that compare interpersonal violence cross nationally. This paper reports the findings of a cross-sectional study which compares and contrasts violence in the lives of 740 college students, as children and as adults, in The Bahamas and the United States of America. Overall, students in The Bahamas were subjected to more violence (more frequently spanked than their American counterparts. Frequency of spanking when the student was a preteen and teenager were linked to anger outbursts in adulthood, and higher numbers of anger outbursts were linked with violent behaviours of students. Although Bahamian students were exposed to more violence than the American students, this did not result in Bahamian students being more violent than American students in interpersonal relationships. However, Bahamian students were more likely than American students to anticipate using corporal punishment on their children and to condone violence in marital relationships.

  5. The Great Recession was not so Great

    van Ours, J.C.

    2015-01-01

    The Great Recession is characterized by a GDP-decline that was unprecedented in the past decades. This paper discusses the implications of the Great Recession analyzing labor market data from 20 OECD countries. Comparing the Great Recession with the 1980s recession it is concluded that there is a

  6. Efficiency versus Maqashid Sharia Index: an Application on Indonesian Islamic Bank

    Aam S. Rusydiana

    2017-09-01

    Full Text Available The Development of Islamic Banking Industry in Indonesia relatively shows a good tendency. In the market, inefficiency would be the great obstacles in head to head to conventional bank. Despite of efficiency performance in Islamic Bank, Islamic Bank also must have sharia compliance performance. So it needed to identified the efficiency of Islamic Bank in Indonesia and the achievement of Maslahah in term of three aspects, there are education, the creating of justice, and the attainment of welfare. This study would try to measure the efficiency of Islamic Banking Industry with Data Envelopment Analysis (DEA method and also to evaluate the performance by using Maqasid Sharia Index (MSI. Banxia Frontier Analyst 3.1 used in the data calculation. The calculation of the level of Islamic Bank efficiency in this study are relative, not absolute. Result of this study indicate four main findings, first, Islamic bank involve in quadran 1 is Islamic bank who reached the highest efficiency and the best performance; there are BMI and Bank Panin Sharia. Islamic bank involve in quadran 2 is Islamic bank who reached the highest efficiency and the lowest performance, there are BSM, Maybank Sharia, and Bank Sharia Bukopin. Islamic bank involve in quadran 3 is Islamic bank who reached the lowest efficiency and have a good performance, there are BRI sharia, and BCA sharia. Islamic bank involve in quadran 4 is Islamic bank who reached the lowest efficiency and the lowest performance, there are Bank Mega Sharia, Victoria Sharia, BNI Sharia, and BJB Sharia.

  7. Regional Banks in the Russian Banking System

    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

  8. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    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...

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

    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...

  10. Outsourcing central banking

    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....

  11. Green Bank Observatory (GBO)

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

  12. GenBank

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

  13. Sediments and fossiliferous rocks from the eastern side of the Tongue of the Ocean, Bahamas

    Gibson, T.G.; Schlee, J.

    1967-01-01

    In August 1966, two dives were made with the deep-diving submersible Alvin along the eastern side of the Tongue of the Ocean to sample the rock and sediment. Physiographically, the area is marked by steep slopes of silty carbonate sediment and precipitous rock cliffs dusted by carbonate debris. Three rocks, obtained from the lower and middle side of the canyon (914-1676 m depth), are late Miocene-early Pliocene to late Pleistocene-Recent in age; all are deep-water pelagic limestones. They show (i) that the Tongue of the Ocean has been a deep-water area at least back into the Miocene, and (ii) that much shallow-water detritus has been swept off neighbouring banks to be incorporated with the deep-water fauna in the sediment. ?? 1967 Pergamon Press Ltd.

  14. Framing a Bank

    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...

  15. GenBank

    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...

  16. International Islamic Banking

    saleem, shahid

    2007-01-01

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

  17. Supervision in banking industry

    Šmída, David

    2012-01-01

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

  18. Unclogging the Credit Channel: on the Macroeconomics of Banking Frictions

    Jakucionyte, E.; van Wijnbergen, S.

    2018-01-01

    We explore the consequences of different financial frictions on the corporate and banking level for macroeconomic policy responsiveness to major policy measures. We show that both corporate and bank debt overhang greatly reduce the effectiveness of fiscal policy: multipliers turn negative with debt

  19. Mobile banking in Asia

    Anne Ho

    2010-01-01

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

  20. The NEA Data Bank

    Coddens, G.

    1983-01-01

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

  1. Banks on Notice

    2009-01-01

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

  2. Commercial Banking Industry Survey.

    Bright Horizons Children's Centers, Cambridge, MA.

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

  3. Banking in Africa

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

    2014-01-01

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

  4. Banking crises : A review

    Laeven, L.

    2011-01-01

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

  5. Banking and Trading

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

    2016-01-01

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

  6. Banking on the Internet.

    Internet Research, 1996

    1996-01-01

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

  7. Perspectives for Expanded Ocean Observing on the Southeast Florida Shelf and between Cuba and the Bahamas and the US

    Soloviev, A.; Dodge, R. E.; Proni, J.

    2012-12-01

    A long term ocean observing system was established on the Southeast Florida shelf near Ft. Lauderdale by the Nova Southeastern University Oceanographic Center (NSUOC) in late 1990s as a cooperative agreement between the NSU Oceanographic Center and USF College of Marine Science. The system has been supported and upgraded during a number of projects funded by the US federal government and private industries. Currently it consists of two ADCP moorings deployed at 240 m and 11 m isobath and coastal meteorological station and primarily serves to support the Office of Naval Research and other Federal agencies projects. During active observational phases, the area is monitored using the new generation of synthetic aperture radar (SAR) satellites (TerraSAR-X, Cosmo SkyMed, ALOS PALSAR, RADARSAT 2). The NSUOC Ocean observing system is a component of SECOORA, which has been integrating coastal and ocean observing data in the Southeast United States as a part of IOOS. In this paper we overview the results obtained during more than a decade of observations and discuss perspectives for expanded ocean observing on the Southeast Florida Shelf and between Cuba, Bahamas and US. Increased ocean observations are needed of the major western boundary current, known as the Loop Current in the Gulf of Mexico and the Florida Current in the Straits Florida. This ocean current occurs to the west and north of Cuba and along the southeast US. Observations will provide better understanding of the processes that maintain, and account for, the current variability and will be useful in myriad practical applications. A major application is the need to monitor the occurrence of, and to forecast entrainment, trajectories, and detrainment of, potential oil spills that may propagate from Cuban drilling sites located along the north coast of Cuba as well as from proposed drilling in the Bahamas. Such ocean observation information can be used as input for operational response models and result in best

  8. Coral reefs and the World Bank.

    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.

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

    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

  10. Great Lakes Science Center

    Federal Laboratory Consortium — Since 1927, Great Lakes Science Center (GLSC) research has provided critical information for the sound management of Great Lakes fish populations and other important...

  11. Remote monitoring of chlorophyll fluorescence in two reef corals during the 2005 bleaching event at Lee Stocking Island, Bahamas

    Manzello, D.; Warner, M.; Stabenau, E.; Hendee, J.; Lesser, M.; Jankulak, M.

    2009-03-01

    Zooxanthellae fluorescence was measured in situ, remotely, and in near real-time with a pulse amplitude modulated (PAM) fluorometer for a colony of Siderastrea siderea and Agaricia tenuifolia at Lee Stocking Island, Bahamas during the Caribbean-wide 2005 bleaching event. These colonies displayed evidence of photosystem II (PS II) inactivation coincident with thermal stress and seasonally high doses of solar radiation. Hurricane-associated declines in temperature and light appear to have facilitated the recovery of maximum quantum yield of PS II within these two colonies, although both corals responded differently to individual storms. PAM fluorometry, coupled with long-term measurement of in situ light and temperature, provides much more detail of coral photobiology on a seasonal time scale and during possible bleaching conditions than sporadic, subjective, and qualitative observations. S. siderea displayed evidence of PS II inactivation over a month prior to the issuing of a satellite-based, sea surface temperature (SST) bleaching alert by the National Oceanic and Atmospheric Administration (NOAA). In fact, recovery had already begun in S. siderea when the bleaching alert was issued. Fluorescence data for A. tenuifolia were difficult to interpret because the shaded parts of a colony were monitored and thus did not perfectly coincide with thermal stress and seasonally high doses of solar radiation as in S. siderea. These results further emphasize the limitations of solely monitoring SST (satellite or in situ) as a bleaching indicator without considering the physiological status of coral-zooxanthellae symbioses.

  12. Layered stigma among health-care and social service providers toward key affected populations in Jamaica and The Bahamas.

    Rogers, S J; Tureski, K; Cushnie, A; Brown, A; Bailey, A; Palmer, Q

    2014-01-01

    While considerable research has documented stigma toward key populations affected by HIV and AIDS - men who have sex with men (MSM), sex workers (SWs) - it provided limited empirical evidence on the presence of layered stigma among health-care professionals providing services for these populations. C-Change conducted a survey among 332 staff of health-care and social service agencies in Jamaica and The Bahamas to understand the levels of stigma toward people living with HIV (PLHIV), including MSM and SWs and factors associated with stigma. While most health-care professionals responding to the survey said that PLHIV, MSM, and SWs deserved quality care, they expressed high levels of blame and negative judgments, especially toward MSM and SWs. Across a stigma assessment involving eight vignette characters, the highest levels of stigma were expressed toward PLHIV who were also MSM or SWs, followed by PLHIV, MSM, and SWs. Differences were assessed by gender, country, type of staff, type of agency, and exposure to relevant training. Findings indicate higher reported stigma among nonclinical vs. clinical staff, staff who worked in general vs. MSM/SW-friendly health facilities, and among untrained vs. training staff. This implies the need for targeted staff capacity strengthening as well as improved facility environments that are MSM/SW-friendly.

  13. BANKING UNION - ROMANIAN PERSPECTIVE

    Coroiu Sorina Ioana

    2015-07-01

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

  14. Multinational banks and the global financial crisis : Weathering the perfect storm?

    de Haas, R.; van Lelyveld, I.

    We use data on the 48 largest multinational banking groups to compare the lending of their 199 foreign subsidiaries during the Great Recession with lending by a benchmark of 202 domestic banks. Contrary to earlier and more contained crises, parent banks were not a significant source of strength to

  15. Impact of E-Banking on Traditional Banking Services

    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...

  16. Central bank capital, financial strength, and the Bank of Japan

    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.

  17. Microbially induced magnetosusceptibility anomalies below the surface of emerged carbonate banks - observed pathway of their origin (San Salvador Island, The Bahamas

    Hladil, Jindřich; Bosák, Pavel; Carew, J. L.; Zawidzki, P.; Lacka, B.; Charvátová, K.; Mylroie, J. E.; Langrová, Anna; Galle, Arnošt

    2003-01-01

    Roč. 5, - (2003), s. Abstract Number 06936 ISSN 1029-7006. [EGS-AGU-EUG Joint Assembly. 06.04.2003-11.04.2003, Nice] R&D Projects: GA AV ČR IAA3013209 Institutional research plan: CEZ:AV0Z3013912 Keywords : microbial diagenesis * carbonate platforms * Quaternary Subject RIV: DB - Geology ; Mineralogy http://www.cosis.net/abstracts/EAE03/06936/EAE03-J-06936.pdf

  18. Employment services in Great Britain and Turkey

    ÖZKANLI, Özlem

    2001-01-01

    This artiele criticaUy compares the institutions and procedures for the employment services of Great Britain (GB) and Turkey. The similarities and differences of two employment organisations, the Department for Education and Employment in GB and the Turkish Employment Organisation, are examined. Data is collected in field study from these organisations, based in London and Ankara, through interviews and observation techniques. Field study in London is financed by the World Bank. After briefly...

  19. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    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

  20. Adopting Internet Banking in Ghana

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

    2013-01-01

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

  1. Nuclear fuel banks

    Anon.

    2010-01-01

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

  2. Tissue banking in australia.

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

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

  3. Banks, regions and development

    Pietro Alessandrini

    2003-03-01

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

  4. INVESTIGATION AUTHORITIES OF FINANCIAL SERVICES AUTHORITY IN SYARIAH BANKING

    Hamsir

    2015-01-01

    Full Text Available This paper aims to explore the authority of the FSA as one of the institutions that deal with crime investigation in banking institutions, especially in Islamic Banking. Investigators FSA has great authority other than the authority to conduct investigations that are not owned by other investigators. The existence of this authority would lead to overlapping investigation with a given investigation agencies such as the police and the prosecutor. Fundamental problems are experienced by the FSA in conducting the investigation is less availability of human resources of FSA investigator. Therefore, inevitably required cooperation with the Police in effecting the FSA investigation. Effectiveness of investigations conducted by the FSA task for banking crimes that occurred in Islamic Banking is need synergy of communication and coordination with the DSN as an institution authorized by the Islamic Banking Act to provide recommendations to other agencies including the FSA if there is suspicion of a criminal offense in Islamic Banking.

  5. The Determinants of Bank Profitability: The Case of Tunisia

    Olfa Nessibi

    2016-01-01

    Full Text Available Using bank level data this paper examines how bank’s specific characteristics and macroeconomic indicators affect the profitability in the Tunisian banking industry over the period 1990–2008. The results indicate that the more profitable banks are those higher amount of capital and lower operating costs. Furthermore, it appears that private banks tend to perform better than state owned ones.  Despite the great importance given to the board of directors, it doesn't have a dominant role in the Tunisian commercial banks. Finally, turning to macroeconomic conditions and its impact on banks’ profitability, we find that the real interest rate has a positive effect on bank profitability.

  6. Generation of nuclear data banks through interpolation

    Castillo M, J.A.

    1999-01-01

    Nuclear Data Bank generation, is a process in which a great amount of resources is required, both computing and humans. If it is taken into account that at some times it is necessary to create a great amount of those, it is convenient to have a reliable tool that generates Data Banks with the lesser resources, in the least possible time and with a very good approximation. In this work are shown the results obtained during the development of INTPOLBI code, used to generate Nuclear Data Banks employing bi cubic polynomial interpolation, taking as independent variables the uranium and gadolinium percents. Two proposals were worked, applying in both cases the finite element method, using one element with 16 nodes to carry out the interpolation. In the first proposals the canonic base was employed to obtain the interpolating polynomial and later, the corresponding linear equations system. In the solution of this system the Gaussian elimination method with partial pivot was applied. In the second case, the Newton base was used to obtain the mentioned system, resulting in a triangular inferior matrix, which structure, applying elemental operations, to obtain a blocks diagonal matrix, with special characteristics and easier to work with. For the validations test, a comparison was made between the values obtained with INTPOLBI and INTERTEG (created at the Instituto de Investigaciones Electricas with the same purpose) codes, and Data Banks created through the conventional process, that is, with nuclear codes normally used. Finally, it is possible to conclude that the Nuclear Data Banks generated with INTPOLBI code constitute a very good approximation that, even though do not wholly replace conventional process, however are helpful in cases when it is necessary to create a great amount of Data Banks. (Author)

  7. Nuclear data banks generation by interpolation

    Castillo M, J. A.

    1999-01-01

    Nuclear Data Bank generation, is a process in which a great amount of resources is required, both computing and humans. If it is taken into account that at some times it is necessary to create a great amount of those, it is convenient to have a reliable tool that generates Data Banks with the lesser resources, in the least possible time and with a very good approximation. In this work are shown the results obtained during the development of INTPOLBI code, use to generate Nuclear Data Banks employing bicubic polynominal interpolation, taking as independent variables the uranium and gadolinia percents. Two proposal were worked, applying in both cases the finite element method, using one element with 16 nodes to carry out the interpolation. In the first proposals the canonic base was employed, to obtain the interpolating polynomial and later, the corresponding linear equation systems. In the solution of this systems the Gaussian elimination methods with partial pivot was applied. In the second case, the Newton base was used to obtain the mentioned system, resulting in a triangular inferior matrix, which structure, applying elemental operations, to obtain a blocks diagonal matrix, with special characteristics and easier to work with. For the validation tests, a comparison was made between the values obtained with INTPOLBI and INTERTEG (create at the Instituto de Investigaciones Electricas (MX) with the same purpose) codes, and Data Banks created through the conventional process, that is, with nuclear codes normally used. Finally, it is possible to conclude that the Nuclear Data Banks generated with INTPOLBI code constitute a very good approximation that, even though do not wholly replace conventional process, however are helpful in cases when it is necessary to create a great amount of Data Banks

  8. Banking: shop and compare.

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  9. Digital Banking 2025

    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...

  10. Method of Banks Valuation

    Eva Horvátová

    2010-01-01

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

  11. GenBank

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

    2008-01-01

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

  12. GenBank

    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...

  13. Banking Fees in Australia

    Sarah Rudd; Chris Stewart

    2012-01-01

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

  14. Danske Bank - Imagekrise

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  15. Optimal preventive bank supervision

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  16. Shareholder activism in banking

    Roman, Raluca

    2015-01-01

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

  17. Bank Resolution in Europe

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  18. Banking Fees in Australia

    Reserve Bank of Australia

    2010-01-01

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

  19. [Characteristics of the Chinese human milk banks' operation].

    2017-08-02

    Objective: To assess the operation status of human milk banks in the mainland of China. Method: This retrospective study included a consecutive series of 14 human milk banks in the mainland of China from March 2013 to December 2016. The opened date, condition of donated breast milk, characteristics of donors and clinical application of donated breast milk were analyzed. Result: There were 14 human milk banks successively founded in mainland China from March 2013 to December 2016. The number of human milk banks, the amount of donated breast milk, the number of eligible donors and the times of donation had increased each year. Howere, the operation status among these milk banks varied greatly. Among them, one human milk bank has newly opened without relevant data, 6 banks could accept frozen breast milk, and the remaining 7 banks could only collect breast milk by the nurses in the bank. Among the 3 121 eligible donors, 1 404 (45.0%) donated less than 3 times, 2 553 (81.8%) aged 25 to 35 years, 2 828 (90.6%) had term delivery, 2 409 (77.2%) began donation one month after birth, 1 798 (57.6%) were company employees and housewives and 1 891 (60.6%) had bachelor or higher degree. The use of donor breast milk, the number of recipients and the average received amount of breast milk every person varied greatly among these banks. Conclusion: The human milk banking developed quickly in the mainland of China. Howere, the number of donors and the amount of donated breast milk which could not meet the clinical demands should be improved. And it was urgent to establish the standards or guidelines of the human milk banking as soon as possible in China.

  20. Essays on banking and regulation

    Todorov, R.I.

    2013-01-01

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

  1. Microbial utilization of dissolved organic matter from leaves of the red mangrove, Rhizophora mangle, in the Fresh Creek estuary, Bahamas

    Benner, Ronald; Peele, Emily R.; Hodson, Robert E.

    1986-11-01

    Dissolved organic matter was leached from [ 14C]labeled leaves of the red mangrove, Rhizophora mangle, and used in studies to determine the rates and efficiencies of microbial utilization of the water-soluble components of mangrove leaves in the Fresh Creek estuary, Bahamas. Rates of microbial utilization (assimilation plus mineralization) of mangrove leachate ranged from 0·022 to 4·675 μg ml -1 h -1 depending on the concentration of leachate and the size or diversity of microbial populations. Microflora associated with decaying mangrove leaves utilized mangrove leachate at rates up to 18-fold higher than rates of leachate utilization by planktonic microflora. Chemical analyses indicated that tannins and other potentially inhibitory phenolic compounds made up a major fraction (18%) of the dissolved organic matter in mangrove leachate. Mangrove leachate did not appear to be inhibitory to the microbial uptake of leachate or the microbial degradation of the lignocellulosic component of mangrove leaves except at high concentrations (mg ml -1). The availability of molecular oxygen also was an important parameter affecting rates of leachate utilization; rates of microbial utilization of leachate were up to 8-fold higher under aerobic rather than anaerobic conditions. The overall efficiency of conversion of mangrove leachate into microbial biomass was high and ranged from 64% to 94%. As much as 42% of the added leachate was utilized during 2 to 12 h incubations, indicating that a major fraction of the leachable material from mangrove leaves is incorporated into microbial biomass, and thus available to animals in the estuarine food web.

  2. BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

    Copil Crina Angela

    2014-07-01

    Full Text Available In this paper I proposed to myself to analyse the main bank acquisitions and mergers from Romania after 1989, causes that led to their appearance, their effects on the bank system and their future perspectives on the Romanian bank market. In the context of adherence to the European bank system a solution for the Romanian banks is the concentration of the bank system by mergers and acquisitions or the increase of the bank capitals because in the period of transition the smaller banks are vulnerable, don’t dispose of an infrastructure that would alow them to offer financial services comparable to those offered by the great bank groups, can’t offer large credits and is addressing to the smaller and average enterprise, which in their turn are exposed to all the shocks that are felt in the economy. The strategies of concentration and consolidation applied by the banks in this period implemented by the transactions with mergers and acquisitions are essential because of their success depends the existence of the bank, the rank it will have on the market, the profit of the bank, the efficiency, the increase of the satisfaction degree of the clients and the increase of the shares’ value. The increase of the interest of the investor in mergers and acquisitions determined the creating of the great financial conglomerates that offer a large range of services, operates simultaneously on many markets and include beside the bank activity insurance, leasing subsidiaries, investment funds, pension funds, subsidiaries specialized in credit saving. In the last decades the Romanian bank financial system suffered significant changes, registering an ample consolidation process, the number of bank institutions decreased and in the context of the present financial crisis, the continuing of the process of restructuring is anticipated.The main reason for choosing this subject if the fact that in the evolution of the concentration the bank mergers and acquisitions

  3. Blood profiles for a wild population of green turtles (Chelonia mydas) in the southern Bahamas: size-specific and sex-specific relationships.

    Bolten, A B; Bjorndal, K A

    1992-07-01

    Blood biochemical profiles and packed cell volumes were determined for 100 juvenile green turtles, Chelonia mydas, from a wild population in the southern Bahamas. There was a significant correlation of body size to 13 of the 26 blood parameters measured. Only plasma uric acid and cholesterol were significantly different between male and female turtles. The relationship between total plasma proteins and plasma refractive index was significant. The equation for converting refractive index (Y) to total plasma proteins (X) is Y = 1.34 + 0.00217(X).

  4. Islamic banks and profitability: an empirical analysis of Indonesian banking

    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...

  5. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    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-...

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

    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.

  7. Geographic diversification in banking

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

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

  8. Banking. Teaching Guide.

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

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

  9. Organization of eye bank

    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

  10. Optimal Central Bank Transparency

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

    2008-01-01

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

  11. Optimal central bank transparency

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

    2008-01-01

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

  12. Optimal central bank transparency

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

    2010-01-01

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

  13. Transparency of Banking Supervisors

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

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

  14. International fuel bank

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

  15. Destroy The Bank! (case)

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

    2016-01-01

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

  16. Banking and trading

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

    2013-01-01

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

  17. The macroeconomics of banking

    van der Kwaak, C.G.F.

    2017-01-01

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

  18. The competitive challenge in banking

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

    2005-01-01

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

  19. The Solar Bank concept

    Eckhart, M.T.

    1999-01-01

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

  20. Competition in investment banking

    Katrina Ellis

    2011-01-01

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

  1. GREEN BANKING IN ROMANIA

    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

  2. BANKING SUPERVISION IN EUROPEAN UNION

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  3. Bank and sovereign debt risk

    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...

  4. Financialisation, oil and the Great Recession

    Gkanoutas-Leventis, Angelos; Nesvetailova, Anastasia

    2015-01-01

    This article addresses the role of world oil price hike of 2007–08 in serving to transform the financial and banking crisis into what is commonly referred to the Great Recession. Existing literature on the global crisis of 2007–09 tends to view it as a financial or banking phenomenon, with analyses focusing mainly on state policies, governance mechanisms and market dynamics in transforming the banking crisis of 2007–08 into the economic recession of 2008-12/13 Although often attributing the global meltdown to wider phenomenon of financialisation, rarely do existing perspectives delve into the role of the commodity sector in the global credit crunch. In this paper, we aim to fill this gap, by inquiring into the role played by oil as a financial asset class in the political economy of the global crisis. - Highlights: • We study the oil price and its effects on the Great Recession. • We approach oil as a financial asset class. • We observe the transformation of oil through deregulation.

  5. Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

    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 ...

  6. FUNGSI SOSIAL BANK SYARIAH

    Prehantoro

    2010-04-01

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

  7. Banking on the Nation

    Ravn Sørensen, Anders

    2015-01-01

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

  8. Protein Data Bank (PDB)

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

  9. Reliability data banks

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  10. Bangladesh Bank Heist

    Md Ahsan Habib

    2017-01-01

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

  11. Mitigation Banking Factsheet

    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

  12. THE DEVELOPMENT OF THE ACTIVITY OF BANKS WITH FOREIGN CAPITAL IN CENTRAL AND EASTERN EUROPE

    RADULESCU MAGDALENA

    2014-05-01

    Full Text Available The privatization has as purpose to reestablish the functionality of a type of property under the public agreement. The privatization of banks brings both positive and beneficial aspects, but also some notions with a negative impact that influence the capital markets and banking system. Among the benefits we can include: the increase of the effectiveness and performance of the banking operations, the implementation of some effective structures that lead to the gradual integration of the banking system into the greatly developed economies, the improvement and perfecting of the bank services. In Romania, the privatization of banks started rather late and in some cases it turned up to be very difficult. Romanian banking system is dominated by the Austrian and Greek investors. The Romanian banking system is very concentrated, but the intermediation level is still lower than in other European or Eastern European countries.

  13. How Does Distress Acquisition Incentivized by Government Purchases of Distressed Loans Affect Bank Default Risk?

    Jyh-Jiuan Lin

    2018-04-01

    Full Text Available The topic of bank default risk in connection with government bailouts has recently attracted a great deal of attention. In this paper, the question of how a bank’s default risk is affected by a distress acquisition is investigated. Specifically, the government provides a bailout program of distressed loan purchases for a strong bank to acquire a bank in distress. The acquirer bank may likely refuse the acquisition with a bailout when the amount of distressed loan purchases is large or the knock-out value of the acquired bank is high. When the acquirer bank realizes acquisition gains, the default risk in the consolidated bank’s equity return is negatively related to loan purchases, but positively to the knock-out value of the acquired bank. The government bailout, as such, in large part contributes to banking stability.

  14. Great Lakes Literacy Principles

    Fortner, Rosanne W.; Manzo, Lyndsey

    2011-03-01

    Lakes Superior, Huron, Michigan, Ontario, and Erie together form North America's Great Lakes, a region that contains 20% of the world's fresh surface water and is home to roughly one quarter of the U.S. population (Figure 1). Supporting a $4 billion sport fishing industry, plus $16 billion annually in boating, 1.5 million U.S. jobs, and $62 billion in annual wages directly, the Great Lakes form the backbone of a regional economy that is vital to the United States as a whole (see http://www.miseagrant.umich.edu/downloads/economy/11-708-Great-Lakes-Jobs.pdf). Yet the grandeur and importance of this freshwater resource are little understood, not only by people in the rest of the country but also by many in the region itself. To help address this lack of knowledge, the Centers for Ocean Sciences Education Excellence (COSEE) Great Lakes, supported by the U.S. National Science Foundation and the National Oceanic and Atmospheric Administration, developed literacy principles for the Great Lakes to serve as a guide for education of students and the public. These “Great Lakes Literacy Principles” represent an understanding of the Great Lakes' influences on society and society's influences on the Great Lakes.

  15. The Next Great Generation?

    Brownstein, Andrew

    2000-01-01

    Discusses ideas from a new book, "Millennials Rising: The Next Great Generation," (by Neil Howe and William Strauss) suggesting that youth culture is on the cusp of a radical shift with the generation beginning with this year's college freshmen who are typically team oriented, optimistic, and poised for greatness on a global scale. Includes a…

  16. Competition between bank regulators

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

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

  17. Central banks: Paradise lost

    Issing, Otmar

    2012-01-01

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

  18. Improving Banking Supervision

    Mayes, David G.

    1998-01-01

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

  19. Role of Foreign Banks in Integration of Banking Industry

    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.

  20. Mobile banking: New trend in the contemporary banking sector

    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.

  1. The application of holistic risk management in the banking industry

    2008-01-01

    The banking industry in South Africa is facing three main challenges, namely: continuous change, foreign competition, and increasing levels of risk. These problems flow mainly from cultural diversity, globalisation, and rapid technological development in systems and communication. Decreasing predictability stems to a great extent from a lack of foreknowledge of how globalisation will develop, and how it can influence the South African banking industry in general and holistic risk management (...

  2. NEA data bank

    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

  3. SEGMENTASI LAYANAN INTERNET BANKING

    Ellen Theresia Sihotang

    2017-04-01

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

  4. BANK RATING. A COMPARATIVE ANALYSIS

    Batrancea Ioan

    2015-07-01

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

  5. The effectiveness of banking supervision

    Davis, EP; Obasi, U

    2009-01-01

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

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

    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.

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

    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.

  8. Analysis of changing bank services in globalization process of financial business

    A.Mumi

    2017-12-01

    Full Text Available The process of economic development of every country is closely connected with the functioning of effective infrastructure of financial market, in the carter of which is a bank system. The success of market relations, the provision of intensive economic growth, the increasing country’s competitiveness at the world market and the growth of population well-being are determined by the fact of how much effectively banks are able to act at different segments of bank services. The innovations in the bank field are closely connected with the innovations in the global and world financial sector. The issues about the influence of globalization on bank activities, the development of market of bank services, empirical researches are of great interest nowadays. Special attention is paid to the Ukrainian market of bank services. The analysis of the current state of the bank sector of the Ukrainian economy gives an opportunity to disclose some problems in the bank sphere as: political and financial instability in the country, the low quality of bank assets, the decrease of liquidity of bank assets, the low credit to the bank system among population, unstable legal framework in the state, the high level of vulnerability of the bank system to the country’s currency policy conducted by NBU.

  9. RESEARCH OF PROCESS OF FINANCIAL MONITORING ORGANIZING IN BANKS

    Viktoriia Kovalenko

    2017-03-01

    Full Text Available The article aims to study methods and tools for financial monitoring by banks. It is proved that one of the main global financial problems in recent years is increasing number of cases of banks participating in the money laundering. It causes banks huge losses, undermines the credibility of honest depositors, in addition, circulation of funds like these hurts the national economy. The article is to develop recommendations to improve the effectiveness of financial monitoring in banks. It is proved that the current model of the national financial monitoring system includes the following elements: the purpose of macroeconomic and microeconomic levels; principles; function; facilities; subjects; types of financial monitoring; methods of implementation and regulatory prevue regulation. It is proved that the major problems related to the financial monitoring of banks are the following: lack of legislatively established quality requirements of customer information; persons engaged in legalization of illegal incomes are highly qualified, which greatly facilitates them through the bank of suspicious transactions; the process of settlement bank failure in the conduct of questionable transactions. Keywords: financial monitoring, suspicious transactions, bank, money laundering, financing of terrorism.

  10. 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

    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.

  11. Great Indoors Awards 2007

    2007-01-01

    Hollandis Maastrichtis jagati 17. XI esimest korda rahvusvahelist auhinda The Great Indoors Award. Aasta sisekujundusfirmaks valiti Masamichi Katayama asutatud Wonderwall. Auhinna said veel Zaha Hadid, Heatherwick Studio, Ryui Nakamura Architects ja Item Idem

  12. Great Lakes Bathymetry

    National Oceanic and Atmospheric Administration, Department of Commerce — Bathymetry of Lakes Michigan, Erie, Saint Clair, Ontario and Huron has been compiled as a component of a NOAA project to rescue Great Lakes lake floor geological and...

  13. 12 CFR 583.3 - Bank.

    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...

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

    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.

  15. THE RISE OF MOBILE BANKING

    IMOLA DRIGĂ

    2015-12-01

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

  16. Development of tissue bank

    R P Narayan

    2012-01-01

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

  17. Materials information data bank

    Mead, K.E.

    1978-03-01

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

  18. Alternative banking: theory and evidence from Europe

    Kurt Von Mettenheim

    2012-12-01

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

  19. The Great Depression and the Great Recession: A Comparative Analysis of their Analogies

    Cristina Peicuti

    2014-06-01

    Full Text Available The decades preceding the Great Depression and the U.S. subprime mortgage crisis have close similarities. Both decades were characterized by rapid growth without major contractions, by an increase in liquidity, a lack of inflation, and a generalized decrease in risk premiums. Additional similarities included significant changes in the financing of real estate by commercial banks along with a consolidation of the banking sector and high hopes that the efficiency of monetary policy would prevent financial crises. These decades were also characterized by the consolidation of the powers of young central banks (the Federal Reserve System in the 1920s and the European Central Bank in the 2000s, by unsuccessful attempts to control market speculation, by their international dimensions, and by the eruption of crises after the failure of a major American financial institution that could have been avoided. Understanding these analogies help us better identify the causes of the subprime mortgage crisis and prevent history from repeating itself to the extentof such large-scale devastating consequences.

  20. Rapid directional changes associated with a 6.5 kyr-long Blake geomagnetic excursion at the Blake-Bahama Outer Ridge

    Bourne, Mark; McNiocaill, Conall; Thomas, Alexander

    2012-01-01

    Geomagnetic excursions are recognized as intrinsic features of the Earth's magnetic field. High-resolution records of field behaviour, captured in marine sedimentary cores, present an opportunity to determine the temporal and geometric character of the field during geomagnetic excursions...... and provide constraints on the mechanisms producing field variability. We present here the highest resolution record yet published of the Blake geomagnetic excursion (similar to 125 ka) measured in three cores from Ocean Drilling Program (ODP) Site 1062 on the Blake-Bahama Outer Ridge. The Blake excursion has...... a controversial structure and timing but these cores have a sufficiently high sedimentation rate (similar to 10 cm ka(-1)) to allow detailed reconstruction of the field behaviour at this site during the excursion. Palaeomagnetic measurements of the cores reveal rapid transitions (

  1. An analysis of new techniqes for radiometric correction of LANDSAT-4 Thematic Mapper images. [Terrebonne Bay, Louisiana and Grand Bahamas scenes

    Kogut, J.; Larduinat, E.; Fitzgerald, M.

    1983-01-01

    The utility of methods for generating TM RLUTS which can improve the quality of the resultant images was investigated. The TM-CCT-ADDS tape was changed to account for a different collection window for the calibration data. Several scenes of Terrebonne Bay, Louisiana and the Grand Bahamas were analyzed to evaluate the radiometric corrections operationally applied to the image data and to investigate several techniques for reducing striping in the images. Printer plots for the TM shutter data were produced and detector statistics were compiled and plotted. These statistics included various combinations of the average shutter counts for each scan before and after DC restore for forward and reverse scans. Results show that striping is caused by the detectors becoming saturated when they view a bright cloud and depress the DC restore level.

  2. Customer loyalty in Internet banking

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  3. Bank Customers Management System

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  4. National monetary policy by regional design: the evolving role of the Federal Reserve banks in Federal Reserve System policy

    David C. Wheelock

    1999-01-01

    This paper examines the history of Federal Reserve Bank input into Federal Reserve System monetary policymaking. From the Fed's founding in 1914 through the Great Depression, the Reserve Banks held the balance of power. Dissatisfaction with the Fed's performance, however, led to a wholesale reorganization in 1935 that greatly enhanced the authority of the Federal Reserve Board, but retained a role for the Federal Banks through the membership of their presidents on the FOMC, as well as in sett...

  5. Cross-sectional data on alcohol and marijuana use and sexual behavior among male and female secondary school students in New Providence, The Bahamas

    Kaljee, Linda; Wang, Bo; Deveaux, Lynette; Lunn, Sonja; Rolle, Glenda; Villar, Maria Elena; Stanton, Bonita

    2015-01-01

    Background While The Bahamas have significantly reduced poor reproductive health outcomes among adolescents and emerging adults, data indicate that youth are engaged in sexual risk behaviors. Substance use has been linked to increased risk for HIV and STIs in other contexts. There is limited data on Bahamian youth in relation to consumption of alcohol and use marijuana and engagement in sexual behaviors. Objective To assess potential relationships between alcohol and marijuana use and engagement in sexual behavior among government secondary school students in New Providence, The Bahamas. Subjects Total sample size was 2,572. Fifty-six percent of respondents were female. Mean age was 14.2 (SD 2.7 years). Methods Cross-sectional data are from a baseline survey conducted as part of a longitudinal randomized controlled evaluation of a school-based HIV prevention and reproductive health program in New Providence. Results Overall, 46.5% (519) males and 44.8% (652) females reported alcohol consumption; 7.3% (82) males and 1.7% (25) females reported use of marijuana in the last six months. Forty-three percent (477) male respondents and 16% (231) female respondents reported ever having vaginal sex. Logistic regression analysis indicates increased likelihood of engaging in sex during the past six months is associated with being older, male, and consuming alcohol and marijuana. Conclusion These data provide a ‘global correlation’ between substance use and engagement in sexual behaviors among Bahamian adolescents. Longitudinal research is needed to assess event specific risks and identify mediating and moderating factors. These findings indicate the importance of integrating reproductive health and substance use education. PMID:25781669

  6. Cross-sectional data on alcohol and marijuana use and sexual behavior among male and female secondary school students in New Providence, The Bahamas.

    Kaljee, Linda; Wang, Bo; Deveaux, Lynette; Lunn, Sonja; Rolle, Glenda; Villar, Maria Elena; Stanton, Bonita

    2016-05-01

    While The Bahamas have significantly reduced poor reproductive health outcomes among adolescents and emerging adults, data indicate that youth are engaged in sexual risk behaviors. Substance use has been linked to increased risk for HIV and sexually transmitted infections in other contexts. There are limited data on Bahamian youth in relation to consumption of alcohol and marijuana use and engagement in sexual behaviors. This study aimed to assess potential relationships between alcohol and marijuana use and engagement in sexual behavior among government secondary school students in New Providence, The Bahamas. Total sample size was 2572, and about 56% of respondents were female. Mean age was 14.2 (SD 2.7 years). Cross-sectional data came from a baseline survey conducted as part of a longitudinal randomized controlled evaluation of a school-based HIV prevention and reproductive health program in New Providence. Overall, 46.5% (519) males and 44.8% (652) females reported alcohol consumption; 7.3% (82) males and 1.7% (25) females reported use of marijuana in the last 6 months. About 43% (477) male respondents and 16% (231) female respondents reported ever having vaginal sex. Logistic regression analysis indicates that increased likelihood of engaging in sex during the past 6 months is associated with being older, male, and consuming alcohol and marijuana. These data provide a 'global correlation' between substance use and engagement in sexual behaviors among Bahamian adolescents. Longitudinal research is needed to assess event specific risks and identify mediating and moderating factors. These findings indicate the importance of integrating reproductive health and substance use education.

  7. Online customer experience: Implications for digital banking

    Štavljanin Velimir

    2017-01-01

    Full Text Available Banks will be facing great challenges in the coming period. Some of these challenges are a lack of differentiation, disloyal customers, new non-traditional competitors, increased interaction and expectations from digital channels. Many consulting firms, but also the academic community, propose a solution in the form of implementing the concept of customer experience management. As research shows that a large number of challenges come from the online environment, it is necessary for banks to ensure excellence in the online environment by applying the concept of online customer experience. In order to create this experience, it is up to the banks to meet all the necessary antecedents, which can involve the elements in terms of control, processes and content. This can be a very difficult job if one is unfamiliar with the basics, but it could also be a rewarding job which will reflect on the business performance. Although the focus of the paper is online customer experience, even in the developed countries 'digital' customers are rare. Most of them are multichannel oriented and an important aspect is the multichannel integration and the strategy focused on customer experience. This paper presents an overview of the literature in the field of online customer experience, with the aim of introducing the public with the concept as well as presenting the implications which this concept has for digital banking.

  8. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    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...

  9. Nuclear Plant Data Bank

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

    1986-01-01

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

  10. Central Bank independence

    Vasile DEDU

    2012-08-01

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

  11. Islamic Development Bank

    1978-06-01

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

  12. Cyber risk in banking

    Linert, Jan

    2015-01-01

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

  13. Bank Insolvency Procedures and Market Discipline in European Banking

    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...

  14. The influence of bank employees on bank customer relationship management

    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.

  15. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  16. Commercial Activity or Banking Competition?

    Rose-Marie Pușcaciu

    2015-12-01

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

  17. The GREAT3 challenge

    Miyatake, H; Mandelbaum, R; Rowe, B

    2014-01-01

    The GRavitational lEnsing Accuracy Testing 3 (GREAT3) challenge is an image analysis competition that aims to test algorithms to measure weak gravitational lensing from astronomical images. The challenge started in October 2013 and ends 30 April 2014. The challenge focuses on testing the impact on weak lensing measurements of realistically complex galaxy morphologies, realistic point spread function, and combination of multiple different exposures. It includes simulated ground- and space-based data. The details of the challenge are described in [1], and the challenge website and its leader board can be found at http://great3challenge.info and http://great3.projects.phys.ucl.ac.uk/leaderboard/, respectively

  18. DEPOSIT INSURANCE SYSTEM: AN EXPOSITION FOR THE ISLAMIC BANKS IN MALAYSIA

    Abdullah, Sharifah Adlina Syed; Ahmad, Rubi

    2012-01-01

    An important aspect of the new financial landscape is the increased focus on financial stability. A deposit insurance (DI) system accomplishes this purpose. While there are a great number of earlier studies that analyze the impact of DI on the conventional banking system, there is a lack of study that takes into account the moral hazard problem of DI on the Islamic banking system. Our paper aims to investigate the moral hazard implication by way of bank risk taking trailing the introduc...

  19. The Bank of North Dakota: a model for Massachusetts and other states?

    Yolanda Kodrzycki; Tal Elmatad

    2011-01-01

    In 2010, Massachusetts legislators considered whether to create a state-owned bank as a means to address concerns about credit availability and other economic challenges stemming from the financial crisis and Great Recession of 2007-09. In 2011 a commission was established to investigate the feasibility of setting up such an institution. This research report informs the work of that commission. ; The report provides an in-depth examination of the only state-owned bank in the nation, the Bank ...

  20. Nothing Great Is Easy

    Stansbie, Lisa

    2014-01-01

    A solo exhibition of 13 pieces of art work.\\ud \\ud Nothing Great is Easy is an exhibition of sculpture, film, drawing and photography that proposes reconstructed narratives using the sport of swimming and in particular the collective interaction and identity of the channel swimmer. The work utilises the processes, rituals/rules, language and the apparatus of sport.\\ud \\ud “Nothing great is easy” are the words on the memorial to Captain Matthew Webb who was the first man to swim the English ch...

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

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

  2. Evolution of central banking? De Nederlandsche Bank 1814-1852

    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

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

    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 ...

  4. SPECIFIC ASPECTS OF THE PROCESS OF BANKING CONCENTRATION AND CONSOLIDATION IN THE EUROPEAN UNION

    COPIL CRINA ANGELA

    2015-04-01

    Full Text Available In this paper I proposed to anaylze the main aspect that characterized the process of bank concentration and consolidation in the European union, knowing their evolutions and particularities on the European and world bank sector and the effects that they have on the banks and the economy altogether. I presented the evolution of the number of banks, evolution that reflects the degree of consolidation of the bank system. Based on the financial crisis begun in 2008 the number of credit institutions decreased continuously as a consequence of the processes of bank mergers and acquisitions generated by the uncertainties of the economic perspectives. Also I analyzed the evolution of the degree of bank concentration in the European countries, process that underlines the degree of domination of the banking market accomplished by some great banks. We consider essential the knowing of this process because the increase of the bank concentration leads to the creating of some bank entities with very large dimensions, that in the periods of crisis can generate macro economic imbalances by involving the state in their subventioning. The research is based mainly on compiled statistic data offered by the European Central Bank (BCE, data that are published annualy and that were processed to be able to offer an overview on the most important modifications that took place in the European union and in its representative countries.

  5. Strategic Use of English in Online Romanian Banking Advertising

    Elena Tălmăcian

    2017-12-01

    Full Text Available The focus on the present paper is on the strategic use of terms, expressions of English origin (anglicisms in the process of advertising certain banking services on the online Romanian banking market. The reasons for the presence of English terms can vary from necessity in the case when a term is too international so as not to be mentioned in the respective advertising message to the touch of prestige that a term/expression can give to the content in which they appear. Although it may seem a very ambitious objective, taking into account the fact that this issue has been far too little tackled upon, by means of this article we are trying to raise awareness of the impact that the presence (or in some cases the abundance of such English terms may ultimately have upon (Romanian bank clients as well as to offer variants of translation of several banking anglicisms that have “comfortable” Romanian correspondents. The theoretical background of our research is supported by a large number of Romanian banking advertising messages that can be found on the websites of the respective banks. In order to obtain the “pulse” of the bank customer market we have chosen to survey 200 1st year students within the Bucharest University of Economic Studies on the use of English terms in online advertisements of student programmes and bank cards offered by nine important banks in Romania. Ultimately, we think that the great merit of our research is that it manages to signal and study the subliminal and very delicate, but potentially beneficial connection between Romanian banking businesses and the linguistic implications of their online advertising messages containing English terms/expressions.

  6. Bank service management in Ghana

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  7. BANKING SUPERVISION IN EUROPEAN UNION

    Lavinia Mihaela GUȚU

    2013-10-01

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

  8. American Association of Tissue Banks

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

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

    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...

  10. Human milk banking.

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

    2013-01-01

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

  11. Trilogy of China's Banking

    2009-01-01

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

  12. UBS BANK INFORMATION

    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...

  13. The Great Mathematician Project

    Goldberg, Sabrina R.

    2013-01-01

    The Great Mathematician Project (GMP) introduces both mathematically sophisticated and struggling students to the history of mathematics. The rationale for the GMP is twofold: first, mathematics is a uniquely people-centered discipline that is used to make sense of the world; and second, students often express curiosity about the history of…

  14. Central Banking after the Crisis

    Frederick S. Mishkin

    2013-01-01

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

  15. Aggregate Uncertainty, Money and Banking

    Hongfei Sun

    2006-01-01

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

  16. Scrum methodology in banking environment

    Strihová, Barbora

    2015-01-01

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

  17. Efficiency model of Russian banks

    Pavlyuk, Dmitry

    2006-01-01

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

  18. The efficiency of bank branches

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

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

  19. Cash efficiency for bank branches

    Cabello, Julia Garc?a

    2013-01-01

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

  20. The pricing of bank debt guarantees

    Arping, S.

    2010-01-01

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

  1. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    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...

  2. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    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...

  3. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  4. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    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...

  5. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    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...

  6. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    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...

  7. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  8. What great managers do.

    Buckingham, Marcus

    2005-03-01

    Much has been written about the qualities that make a great manager, but most of the literature overlooks a fundamental question: What does a great manager actually do? While there are countless management styles, one thing underpins the behavior of all great managers. Above all, an exceptional manager comes to know and value the particular quirks and abilities of her employees. She figures out how to capitalize on her staffers' strengths and tweaks her environment to meet her larger goals. Such a specialized approach may seem like a lot of work. But in fact, capitalizing on each person's uniqueness can save time. Rather than encourage employees to conform to strict job descriptions that may include tasks they don't enjoy and aren't good at, a manager who develops positions for his staff members based on their unique abilities will be rewarded with behaviors that are far more efficient and effective than they would be otherwise. This focus on individuals also makes employees more accountable. Because staffers are evaluated on their particular strengths and weaknesses, they are challenged to take responsibility for their abilities and to hone them. Capitalizing on a person's uniqueness also builds a stronger sense of team. By taking the time to understand what makes each employee tick, a great manager shows that he sees his people for who they are. This personal investment not only motivates individuals but also galvanizes the entire team. Finally, this approach shakes up existing hierarchies, which leads to more creative thinking. To take great managing from theory to practice, the author says, you must know three things about a person: her strengths, the triggers that activate those strengths, and how she learns. By asking the right questions, squeezing the right triggers, and becoming aware of your employees' learning styles, you will discover what motivates each person to excel.

  9. Banking on women's spirit.

    Yunus, M

    1993-11-01

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

  10. Bank risk, bailouts and ambiguity

    Nijskens, R.G.M.

    2012-01-01

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

  11. Teaching Bank Runs through Films

    Flynn, David T.

    2009-01-01

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

  12. Bank Relationship and Firm Profitability

    Degryse, H.A.; Ongena, S.

    2000-01-01

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

  13. Information and Communication Technologies Management and Nigerian Banking Sector Liquidity

    John N. N. Ugoani

    2017-09-01

    Full Text Available The study sought to explore the relationship between ICTs management and NBS liquidity. ICTs management helps the business to effect proper planning, coordinating, controlling and decision-making. Liquidity is important for banks to meet the demands of customers and a means of public confidence. The Internet connectivity in the NBS discouraged incentives for manipulations and other inefficiencies that characterized the paper and pen banking of the pre-reform era. The e-FASS approach and heavy investments and application of quality ICTs management by banks restored national and international confidence in the NBS which in a great measure, helped to lure back capital and liquidity into the system. Previous studies have found positive relationship between ICTs management and business productivity, bank profitability and economic growth. Through theoretical and empirical results this study found a high positive relationship between ICTs management and NBS liquidity.

  14. Tissue banking for management of nuclear casualties

    Singh, Rita

    2014-01-01

    The proliferation of nuclear material and technology has made the acquisition and adversarial use more probable than ever. Devastating medical consequences would follow a nuclear detonation due to the thermal, blast and radiation effects of the weapon. Atomic explosions at Hiroshima and Nagasaki demonstrated the human agonies on vast scale. A full range of medical modalities are required to decrease the morbidity and mortality as a result of the use of nuclear weapons. Biological tissues from human donor like bone, skin, amniotic membrane and other soft tissues can be used for repair or reconstruction of the injured part of the body. Tissues from human donor can be processed and banked for orthopaedic, spinal, trauma and other surgical procedures. Processed tissues can be provided by the tissue banks and can be of great assistance in the treatment of injuries due to the nuclear weapon. The use of allograft tissue avoids the donor site morbidity and reduces the operating time, expense and trauma associated with the acquisition of autografts. Further, allografts have the added advantage of being available in large quantities. This has led to a global increase in allogeneic transplantation and development of tissue banking. The aim of the tissue bank is to provide a wide range of processed biological tissues free from any transmissible disease, that help to restore the growth and function of the damaged tissues. Skin dressings or skin substitutes like allograft skin, xenograft skin and amniotic membrane can be used for the treatment of thermal burns and radiation induced skin injuries. Bone allografts can be used for reconstructive approaches to the skeletal system. Tissue banking would thus ensure health care to the military personnel and population following a nuclear detonation. (author)

  15. Clinical grade adult stem cell banking.

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

    2009-07-01

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

  16. Bank Insolvency Procedures and Market Discipline in European Banking

    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...

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

    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.

  18. 12 CFR 996.2 - Bank employees.

    2010-01-01

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

  19. Great magnetic storms

    Tsurutani, B.T.; Yen Te Lee; Tang, F.; Gonzalez, W.D.

    1992-01-01

    The five largest magnetic storms that occurred between 1971 and 1986 are studied to determine their solar and interplanetary causes. All of the events are found to be associated with high speed solar wind streams led by collisionless shocks. The high speed streams are clearly related to identifiable solar flares. It is found that (1) it is the extreme values of the southward interplanetary magnetic fields rather than solar wind speeds that are the primary causes of great magnetic storms, (2) shocked and draped sheath fields preceding the driver gas (magnetic cloud) are at least as effective in causing the onset of great magnetic storms (3 of 5 events ) as the strong fields within the driver gas itself, and (3) precursor southward fields ahead of the high speed streams allow the shock compression mechanism (item 2) to be particularly geoeffective

  20. The great intimidators.

    Kramer, Roderick M

    2006-02-01

    After Disney's Michael Eisner, Miramax's Harvey Weinstein, and Hewlett-Packard's Carly Fiorina fell from their heights of power, the business media quickly proclaimed thatthe reign of abrasive, intimidating leaders was over. However, it's premature to proclaim their extinction. Many great intimidators have done fine for a long time and continue to thrive. Their modus operandi runs counter to a lot of preconceptions about what it takes to be a good leader. They're rough, loud, and in your face. Their tactics include invading others' personal space, staging tantrums, keeping people guessing, and possessing an indisputable command of facts. But make no mistake--great intimidators are not your typical bullies. They're driven by vision, not by sheer ego or malice. Beneath their tough exteriors and sharp edges are some genuine, deep insights into human motivation and organizational behavior. Indeed, these leaders possess political intelligence, which can make the difference between paralysis and successful--if sometimes wrenching--organizational change. Like socially intelligent leaders, politically intelligent leaders are adept at sizing up others, but they notice different things. Those with social intelligence assess people's strengths and figure out how to leverage them; those with political intelligence exploit people's weaknesses and insecurities. Despite all the obvious drawbacks of working under them, great intimidators often attract the best and brightest. And their appeal goes beyond their ability to inspire high performance. Many accomplished professionals who gravitate toward these leaders want to cultivate a little "inner intimidator" of their own. In the author's research, quite a few individuals reported having positive relationships with intimidating leaders. In fact, some described these relationships as profoundly educational and even transformational. So before we throw out all the great intimidators, the author argues, we should stop to consider what

  1. Great Lakes Energy Institute

    Alexander, J. Iwan [Case Western Reserve Univ., Cleveland, OH (United States)

    2012-11-18

    The vision of the Great Lakes Energy Institute is to enable the transition to advanced, sustainable energy generation, storage, distribution and utilization through coordinated research, development, and education. The Institute will place emphasis on translating leading edge research into next generation energy technology. The Institute’s research thrusts focus on coordinated research in decentralized power generation devices (e.g. fuel cells, wind turbines, solar photovoltaic devices), management of electrical power transmission and distribution, energy storage, and energy efficiency.

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

    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

  3. Sharing China's Bank Restructuring Bill

    Guonan Ma

    2006-01-01

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

  4. Banks, markets, and financial stability

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

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

  5. Prioritization of Mellat Bank's Branches in semnan by means of ...

    Banks and credit and financial institutions are one of the most effective institutions in economic system of any country, playing a great role in investments in order to advance and promote the countries' economy. The present paper uses the technique of AHP process to measure and compare the various branches of Mellat ...

  6. Can taxes tame the banks?

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

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

  7. Ownership concentration and bank profitability

    Peterson Kitakogelu Ozili

    2017-12-01

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

  8. Danske Bank vildleder

    Ravn, Ib

    2014-01-01

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

  9. INFORMATION FROM THE BANK

    1999-01-01

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

  10. Skin banking in the United States - past, present and future

    Greenleaf, G.

    1999-01-01

    substitutes. Ranging from synthetic bioactive dressings to cultured cell layers, promoters of these products challenge the impressive safety record of of allograft skin while insisting that their products work 'as good as or better than' allografts. Unfortunately, many of these 'break throughs' have fallen far short of their claims. While a great deal of progress has been made, allograft skin remains the gold standard for temporary wound coverage for excised bum wounds Today, the evolution of skin banks continues. The emergence of biotechnology as partners with rather than competitors of tissue banks will continue to expand the applications of transplant grafts. Introduction of biomaterials, advances in structural preservation, isolation of cell lines, as well as the incorporation of growth factors and cytokines will enhance surgical outcomes and reduce risks

  11. The European Central Bank

    Binder, Michael; Wieland, Volker

    2006-01-01

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

  12. En Ung bank

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

    2016-01-01

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

  13. GenBank.

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

    1993-01-01

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

  14. MULTIPERIOD BANKING SUPERVISION

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

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

  15. Centrally Banked Cryptocurrencies

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  16. Centrally Banked Cryptocurrencies

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  17. Human Milk Banking.

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  18. Virtual blood bank

    Kit Fai Wong

    2011-01-01

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

  19. Competitive intelligence as an important contributor to the growth of banks: A Zimbabwean perspective

    Alexander Maune

    2014-09-01

    Full Text Available This paper explores how competitive intelligence has been an important contributor of growth in banks in Zimbabwe and how the banks are making use of competitive intelligence for such growth. The paper used a descriptive cross-sectional research methodology. Data was collected through questionnaires and interviews. Purposive and stratified sampling methods were used. The paper found that most Zimbabwean banks have undertaken competitive intelligence in one way or another for strategic planning and better understanding the competitive business environment and competitors. The findings from this research will assist the entire banking sector and will be of great academic value

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

    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...

  1. Idiopathic great saphenous phlebosclerosis.

    Ahmadreza Jodati

    2013-06-01

    Full Text Available Arterial sclerosis has been extensively described but reports on venous sclerosis are very sparse. Phlebosclerosis refers to the thickening and hardening of the venous wall. Despite its morphological similarities with arteriosclerosis and potential morbid consequences, phlebosclerosis has gained only little attention. We report a 72 year old male with paralysis and atrophy of the right leg due to childhood poliomyelitis who was referred for coronary artery bypass surgery. The great saphenous vein, harvested from the left leg, showed a hardened cord-like obliterated vein. Surprisingly, harvested veins from the atrophic limb were normal and successfully used for grafting.

  2. Great software debates

    Davis, A

    2004-01-01

    The industry’s most outspoken and insightful critic explains how the software industry REALLY works. In Great Software Debates, Al Davis, shares what he has learned about the difference between the theory and the realities of business and encourages you to question and think about software engineering in ways that will help you succeed where others fail. In short, provocative essays, Davis fearlessly reveals the truth about process improvement, productivity, software quality, metrics, agile development, requirements documentation, modeling, software marketing and sales, empiricism, start-up financing, software research, requirements triage, software estimation, and entrepreneurship.

  3. Making Psychotherapy Great Again?

    Plakun, Eric M

    2017-05-01

    Psychotherapy never stopped being as "great" as other treatments. This column explores the evidence base for both psychotherapy and medications, using depression as a specific example. The limitations are comparable for psychotherapy and medication, with much of the evidence based on small degrees of "statistically significant" rather than "clinically meaningful" change. Our field's biomedical emphasis leads to a false assumption that most patients present with single disorders, when comorbidity is the rule rather than the exception. This false assumption contributes to limitations in the evidence base and in our ability to treat patients optimally.

  4. The great transition.

    Lieberthal, Kenneth; Lieberthal, Geoffrey

    2003-10-01

    As China's economy grows and opens further, the opportunity it presents to multinationals is changing. Foreign companies are moving to country development and new strategic choices. Now, foreign firms can actually go after the Chinese domestic market, and it's worth going after. Improvements in China's infrastructure, workforce, and regulatory environment are making it possible for companies to lower their costs to reap new competitive advantages. Multifaceted and often-shifting risks accompany this shifting opportunity. The reforms required for admission into the WTO will be politically difficult for China to implement, and its progress will be slowed by the scarcity of resources for the country's shaky banking system, the inadequacy of the social safety net, environmental problems, and local governments' cash shortage. China's breathtaking 9% average annual GDP growth rests on an unsteady foundation of overcapitalized state-owned enterprises, which have oversupplied many markets, and fiercely protectionist regional government officials pursuing growth-at-almost-all-costs policies. Frequent changes in regulations, bureaucracies, and reporting relationships will continue to make planning difficult, and, as the SARS epidemic demonstrated, there is always the potential for serious disruptions. But for at least the next ten years, multinationals should be the biggest winners in China. To reap the benefits, a multinational must properly nest its effort into its overall organization, show "one face to China" at the national level but also tailor local strategies, be wary of joint ventures, and mitigate risk, in particular the theft of intellectual property. China is a major opportunity for companies that forthrightly face its complexities. It will remain largely inscrutable--and unprofitable--for the rest.

  5. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    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.

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

    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.

  7. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    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.

  8. Global Banking System Regulatory Environment

    Oleh Mozhovyi

    2017-03-01

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

  9. Improving Soil Seed Bank Management.

    Haring, Steven C; Flessner, Michael L

    2018-05-08

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

  10. Banking towards development: Evidence from the Spanish banking expansion plan

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

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

  11. BLC Bank - Lebanon : Leading in Banking on Women

    International Finance Corporation

    2016-01-01

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

  12. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    Fika Fitriasari

    2012-01-01

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

  13. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

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

  14. E-Banking: Risk Management Practices of the Estonian Banks

    Dmitri Sokolov

    2007-01-01

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

  15. Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

    Haribowo, Ignatius Novianto

    2017-01-01

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

  16. Great Britain at CERN

    2006-01-01

    From 14 to 16 November 2006 Administration Building, Bldg. 60/61 - ground and 1st floor 09.30 - 17.30 Fifteen companies will present their latest technologies at the 'Great Britain at CERN' exhibition. British industry will exhibit products and technologies related to the field of particle physics. The main fields represented will be computing technologies, electrical engineering, electronics, mechanical engineering, vacuum & low temperature technologies and particle detectors. The exhibition is organised by BEAMA Exhibitions (the British Electrotechnical and Allied Manufacturers Association). Below you will find: a list of the exhibitors. A detailed programme will be available in due course: from your Departmental secretariat, from the Reception information desk, Building 33, at the exhibition itself. A detailed list of the companies is available at the following FI link: http://fi-dep.web.cern.ch/fi-dep/structure/memberstates/exhibitions_visits.htm LIST OF EXHIBITORS 3D Metrics Almat...

  17. Great Britain at CERN

    2006-01-01

    From 14 to 16 November 2006 Administration Building, Bldg. 60/61 - ground and 1st floor 09.30 - 17.30 Fifteen companies will present their latest technologies at the 'Great Britain at CERN' exhibition. British industry will exhibit products and technologies related to the field of particle physics. The main fields represented will be computing technologies, electrical engineering, electronics, mechanical engineering, vacuum & low temperature technologies and particle detectors. The exhibition is organised by BEAMA Exhibitions (the British Electrotechnical and Allied Manufacturers Association). Below you will find: a list of the exhibitors. A detailed programme will be available in due course: from your Departmental secretariat, from the Reception information desk, Building 33, at the exhibition itself. A detailed list of the companies is available at the following FI link: http://fi-dep.web.cern.ch/fi-dep/structure/memberstates/exhibitions_visits.htm LIST OF EXHIBITORS 3D Metrics Alma...

  18. Information technology for brain banking.

    Schmitz, Peer

    2018-01-01

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

  19. Payments and Central Bank Policy

    Korsgaard, Søren

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

  20. COMPETITIVE ENVIRONMENT ON THE FINANCIAL - BANKING MARKET OF THE REPUBLIC OF MOLDOVA

    Elena FUIOR

    2014-06-01

    Full Text Available Banking and finance sectors of the Republic of Moldova the same as in other states are of great importance for sustainable development of the whole economy. The existence of normal competitive environment on the banking sector would provide the national economy with necessary inexpensive financial resources and would support the creation of banking and financial systems able to cope with competitive pressures from outside the country. Recent publications regarding the establishment of Moldovan banking sector highlighted several deficiencies in the relevant competitive environment. In this context, we propose an analysis of the competitive environment on the banking sector of the Republic of Moldova, identifying elements limiting competition and guidelines for the improvement of competitive aspects of Moldovan banking sector taking into account the experience of other countries. The analysis of EU countries experience together with suggested recommendations is expected to stimulate competition in the Moldovan finance sector as well as discourage anti-competitive practices.

  1. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    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...

  2. 78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  3. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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

    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. 75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    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...

  6. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  7. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  8. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  9. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  10. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  11. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  12. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  13. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  14. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  15. 78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  16. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  17. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  18. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  19. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  20. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  1. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  2. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  3. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  4. 78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  5. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  6. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  7. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  8. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  9. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  10. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  11. 77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  12. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  13. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  14. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  15. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  16. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  17. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  18. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  19. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  20. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  1. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  2. 77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  3. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  4. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  5. 78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  6. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  7. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  8. 77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  9. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    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...

  10. The role of metaphors in the language of investment banking

    Magdalena Bielenia-Grajewska

    2009-04-01

    Full Text Available The language of economics has been one of the author’s interests for some years. To narrow the scope of the research, the language of investment banking will be discussed in depth. Investment banking is a developing domain within the sphere of banking and finance. Newly-created products and services may be complicated for inexperienced investors, thus their names should sound familiar and explain the purpose of a given entity by referring to some well-known concepts. In this case, metaphors play a crucial role. The aim of this paper is to discuss some metaphorical names in investment banking communication. The area of mergers and acquisitions is studied in great detail because of its metaphorical character. The compiled corpus will be investigated by taking into consideration the following languages: English, German, Spanish and Polish. The aim of this linguistic distinction is to show differences as well as similarities in the investment banking lexicon in the above-mentioned languages. After briefly summarising the results of the research conducted, the article will end with an attempt to predict the future situation of metaphors and their role in investment banking communication.

  11. Navigating the Great Recession: what role for monetary policy?

    Bank for International Settlements

    2013-01-01

    The 12th BIS Annual Conference took place in Lucerne, Switzerland on 20-21 June 2013. The event brought together a distinguished group of central bank governors, leading academics and former public officials to exchange views on the conference theme of "Navigating the Great Recession: what role for monetary policy?". This volume contains the opening address by Stephen Cecchetti (former Economic Adviser, BIS), a keynote address by Finn Kydland (University of California, Santa Barbara) and the ...

  12. CUSTOMER EXPERIENCE AND RETAIL BANKING TRENDS

    PAUL OVIDIU HANDRO

    2017-11-01

    Full Text Available The concept of customer experience refers to the impact of all the interactions that the customer may have with a bank, taking into account the multitude of touchpoints by which he activates. Customer experience includes every element related to the promises made through branding, advertising, offers, products and services, but the most important is how they are delivered: easiness in using the services or products, promptness and efficiency in dealing with customers before and after purchase. [1] - [11] In the context of an environment influenced to a great extent by the evolution of technologies, but also by the accelerated dynamics regarding legislation (Payment Directive II, Directive 2014/92/EU and competition, a traditional commercial bank must be extremely careful and competent to build and plan the present and future experiences offered to customers. Given the complexity of the structure of a traditional bank, an essential point in the performance strategy must be the improvement of the Customer experienced experience in dealing with the bank. The positive experience becomes defining both for customer loyality and to attract new customers. The segregation of responsibilities and at the same time harmonization of flows between the various structures of traditional banks (front-office- FO; middle-office-MO; back-office-BO becomes the main challenge of the moment in order to provide the customer with the much desired positive experience. Affected at the global and European level by the dynamics of legislative changes, as well as by the business models that rely on the outsourcing of some positions, the back-office and middle office do not enjoy the same rhythm of evolution and support found in the front office, resulting in incoherent customer experiences and, at the same time, preventing the industry's capacity to attract, retain and delight the customers. In order to improve the level of customer experience, the banks must focus more on

  13. Asymmetric information and bank runs

    Gu, Chao

    2007-01-01

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

  14. Credit risk management in banks

    Pětníková, Tereza

    2014-01-01

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

  15. Bank performance and corporate culture

    Stentella Lopes, F.S.

    2015-01-01

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

  16. Bank Share Prices and Profitability

    Daniel Daugaard; Tom Valentine

    1993-01-01

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

  17. Sources of Regional Banks Capitalization

    Olga Sergeevna Miroshnichenko

    2018-03-01

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

  18. Big Data and central banks

    David Bholat

    2015-01-01

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

  19. BEATING BANKS THROUGH KNOWLEDGE

    Monica CALU

    2017-05-01

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

  20. Bank Resolution in Europe

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  1. Bank Resolution in Europe

    Gordon, Jeffrey N.; Ringe, Georg

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

  2. Fractional Reserve Banking

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

    2012-01-01

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

  3. Tissue bank: Sri Lanka

    2003-01-01

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

  4. Image data bank

    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

  5. Jordan Banks Financial Soundness Indicators

    Imad Kutum

    2015-09-01

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

  6. Banking Integration in European Context

    Roxana Bădîrcea

    2016-05-01

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

  7. The Outer Banks of North Carolina

    Dolan, Robert; Lins, Harry F.; Smith, Jodi Jones

    2016-12-27

    The Outer Banks of North Carolina are excellent examples of the nearly 300 barrier islands rimming the Atlantic and Gulf coasts of the United States. These low, sandy islands are among the most dynamic natural landscapes occupied by man. Beach sands move offshore, onshore, and along the shore in the direction of the prevailing longshore currents. In this way, sandy coasts continuously adjust to different tide, wave, and current conditions and to rising sea level that causes the islands to migrate landward.Despite such changes, barrier islands are of considerable environmental importance. The Outer Banks are home to diverse natural ecosystems that are adapted to the harsh coastal environment. Native species tend to be robust and many are specifically adapted to withstand salt spray, periodic saltwater flooding, and the islands’ well-drained sandy soil. The Outer Banks provide an important stopover for birds on the Atlantic flyway, and many species inhabit the islands year round. In addition, Outer Banks beaches provide an important nesting habitat for five endangered or threatened sea turtle species.European explorers discovered North Carolina’s barrier islands in the 16th century, although the islands were not permanently settled until the middle 17th century. By the early 19th century, shipbuilding and lumber industries were among the most successful, until forest resources were depleted. Commercial fishing eventually followed, and it expanded considerably after the Civil War. By the Great Depression, however, little industry existed on the Outer Banks. In response to the effects of a severe hurricane in 1933, the National Park Service and the Civilian Conservation Corps proposed a massive sand-fixation program to stabilize the moving sand and prevent storm waves from sweeping across the entire width of some sections of the islands. Between 1933 and 1940, this program constructed sand fencing on 185 kilometers (115 miles) of beach and planted grass seedlings

  8. BAD BANK AND OTHER POSSIBLE BANKS’ RESCUING MODELS – THE CASE OF SLOVENIA

    TANJA MARKOVIC-HRIBERNIK

    2015-03-01

    Full Text Available During the economic crisis, Slovenia has transformed from one of the most successful new EU Member States into one of the most problematic ones. The reason for this is largely extensive banking problems, that continue to cause uncertainty on financial markets and adversely affect the rating of the country and consequently also the price of borrowing for both the state and private entities. Slovenia has opted to rehabilitate its banking sector by means of a bad bank (DUTB that, however, only became operational at the end of 2013. The paper seeks to examine whether a bad bank has indeed proven the most appropriate choice out of possible methods of resolving the banking crisis, based on the most recent findings regarding the suitability of various methods of bailing out banking systems in crisis, taking into consideration key elements required for the successful rehabilitation thereof. The paper finds that, taking into consideration all relevant circumstances, the bad bank has proven to be appropriate solution in the Slovenian case but the delay in rehabilitating the banking system has had significant negative macroeconomic impacts as demonstrated by a comparison to other selected countries that had opted to bail out the banking sector before Slovenia. State ownership of systemic banks and political instability have both greatly contributed to slow action taken.

  9. Online Banking Customers: Insights from Germany

    Sven Christian Berger; Sonja Gensler

    2007-01-01

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

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

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

    2016-01-01

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

  11. Banking efficiency under corporate social responsibilities

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  12. Recent trends in cross-border banking

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

    2017-01-01

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

  13. 40 CFR 91.205 - Banking.

    2010-07-01

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

  14. Conceptual Model As The Tool For Managing Bank Services Quality

    Kornelija Severović

    2009-07-01

    Full Text Available Quality has become basic factor of economic efficiency and basic principle of business activities of successful organizations. Its consequence is revolution on the area of quality that has comprised all kinds of products and services and so the bank services as well. To understand the present and future needs of clients and to know how to fulfill and try to exceed their expectations is the task of each efficient economy. Therefore, the banks in the developed economies try to re-orientate organizationally, technologically and informatically their business activities placing the client in the core of this business activity. Significant indicators of quality services that banks offer is measured by the waiting time of clients for the offer of the desirable service and the number of clients who give up to enter the bank due to the long waiting queues. Dissatisfied client is the worst work result and business activity of banks. Following the stated, the great effort is made to improve service qualities, which means professionalism and communication of personnel with whom the clients come in contact, and giving punctual and clear information and short waiting period of standing in the lines. The aim of this work is to present and describe the functioning of bank system under the conditions of establishing quality in offering services to clients and to recognize basic guidelines for quality increase in the work of sub branches. Since the banking is very dynamic and complex system, the conceptual model is carried out for the purpose of optimization of the stated quality parameters for the bank business activity; this model, in further research, will serve for the development of simulation model.

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

    Shurtz, Mary Ann; LeFlore, Ann Becker

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

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

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

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

    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...

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

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

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

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

    Habbar Abderezak, Dr.

    2014-06-01

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

  20. Review: The Great Gatsby

    Antonia de Jesus Sales

    2016-08-01

    Full Text Available A presente resenha busca discutir a tradução de The Great Gatsby para o contexto brasileiro. Diversas traduções foram feitas, em diversas épocas e com repercussão positiva no contexto brasileiro. Para o presente estudo, foi observada a tradução de Vanessa Bárbara, de 2011. Nesse sentido, o aspecto biográficos do autor e a forma como se apresentam os personagens na obra são fatores de cotejamento na obra original e na tradução brasileira. Francis Scott Key Fitzgerald (1896 – 1940 é famoso por ter em suas obras traços biográficos, algo que certamente influencia o leitor que adentra a sua obra. Quanto à recepção de O Grande Gatsby no contexto brasileiro, há que se considerar que O Grande Gatsby teve diversas traduções no Brasil. Depois dessa tradução de Vanessa Bárbara, em 2011, outras três vieram em 2013, juntamente com o filme. Há que considerar os aspectos comerciais embutidos nessas traduções e que muito corroboram para o resultado final. Prova disso são as capas, que são sempre diferenciadas em cada edição lançada. O tradutor nem sempre pode opinar sobre questões como estas. A tradução, a meu ver, é uma obra de qualidade, visto que a tradutora buscou ser fiel, sem dificultar a interpretação da obra para o leitor.

  1. Review: The Great Gatsby

    Antonia de Jesus Sales

    2016-05-01

    Full Text Available A presente resenha busca discutir a tradução de The Great Gatsby para o contexto brasileiro. Diversas traduções foram feitas, em diversas épocas e com repercussão positiva no contexto brasileiro. Para o presente estudo, foi observada a tradução de Vanessa Bárbara, de 2011. Nesse sentido, o aspecto biográficos do autor e a forma como se apresentam os personagens na obra são fatores de cotejamento na obra original e na tradução brasileira. Francis Scott Key Fitzgerald (1896 – 1940 é famoso por ter em suas obras traços biográficos, algo que certamente influencia o leitor que adentra a sua obra. Quanto à recepção de O Grande Gatsby no contexto brasileiro, há que se considerar que O Grande Gatsby teve diversas traduções no Brasil. Depois dessa tradução de Vanessa Bárbara, em 2011, outras três vieram em 2013, juntamente com o filme. Há que considerar os aspectos comerciais embutidos nessas traduções e que muito corroboram para o resultado final. Prova disso são as capas, que são sempre diferenciadas em cada edição lançada. O tradutor nem sempre pode opinar sobre questões como estas. A tradução, a meu ver, é uma obra de qualidade, visto que a tradutora buscou ser fiel, sem dificultar a interpretação da obra para o leitor.

  2. Bank capital management : International evidence

    De Jonghe, O.G.; Öztekin, Ö.

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

  3. Regulating and Combating Underground Banking

    Borgers, M.J.

    2009-01-01

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

  4. Size, productivity, and international banking

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

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

  5. BioMagResBank.

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

    2008-01-01

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

  6. Banking competition, risk and regulation

    Bolt, Wilko; Tieman, Alexander F.

    2004-01-01

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

  7. Bank performance and corporate culture

    Stentella Lopes, F.S.

    2015-01-01

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

  8. The Dutch Banking Chipcard Game

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

    2001-01-01

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

  9. Protection of large capacitor banks

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

    1982-06-01

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

  10. Bank credit and business financing

    Morales Arenas, Diana

    2018-01-01

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

  11. Intervention in systemic banking crises

    Homar, T.

    2016-01-01

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

  12. Liquidity coinsurance and bank capital

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

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

  13. Liquidity regulation and bank behavior

    Bonner, C.

    2014-01-01

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

  14. QUALITY MANAGEMENT IN BANKING SYSTEM

    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

  15. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    2013-04-05

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

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

    chestt

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

  17. Greece and the Missing Banking Union

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  18. Security Testing Handbook for Banking Applications

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

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

  19. Effect of capital constraints on risk preference behavior of commercial banks

    Li Ma; Junxun Dai; Xian Huang

    2011-01-01

    Purpose-The purpose of this paper is to analyze how the financial supervision authority utilizes the restrictions of capital constraints imposing on commercial banks the need to develop the macro economy.Design/methodology/approach-This paper uses multilateral game to deduce the loan characteristics of banks,vector and void coordinates to analyze the behavior choices of banks under capital supervision,sets up an index to describe the risk preference of banks,and analyzes the process with Chinese data empirically.Findings-This paper finds big banks have a loan preference for big enterprises and small banks have a preference for establishing a bank syndicate to pursue large projects.Further,the paper notes the conditions by which the heterology banks choose loans across the border and proves that changes of capital requirements would force the credit structure of the commercial banks to adjust along an efficient frontier broken line or an efficient frontier plane under the conditions of interest rate regulation or interest rate marketization,respectively.Research limitations/implications-It is very complex to describe the choices of risk behavior of banks and the simple supervision method needs to be adjusted.Practical implications-This paper finds that banks show risk preferences of credit structure,and capital constraints would affect it greatly;regulators should guard against capital constraint softening.Originality/value-It is the first time that the conditions of banks beyond the loan border have been studied and the behavior adjustment of banks using the vector and void coordinate analyzed.

  20. Innovative Secure Mobile Banking Services

    Mousa T AL-Akhras

    2011-01-01

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

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

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

    2017-01-01

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

  2. Great Lakes Environmental Database (GLENDA)

    U.S. Environmental Protection Agency — The Great Lakes Environmental Database (GLENDA) houses environmental data on a wide variety of constituents in water, biota, sediment, and air in the Great Lakes area.

  3. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    BUCUR Luiza Emanuela

    2015-01-01

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

  4. Credit Risk Management in Chinese Banking Industry

    Zhang, Lei

    2006-01-01

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

  5. Penerapan Business Continuity Pada Bank Central Asia

    Chandra, Keefe Darius

    2017-01-01

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

  6. Growth of Non-bank Trade Finance

    Satinder Bhatia

    2017-01-01

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

  7. [The National Serum Bank].

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

    1992-01-01

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

  8. Security of Electronic Banking

    Pařil, Jan

    2015-01-01

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

  9. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    El Mehdi Ferrouhi

    2014-12-01

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

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

    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.

  11. About The Future Of The Institution Of The Central Bank

    POP Napoleon

    2012-12-01

    Full Text Available The evolution of the financial crisis is touching more and more the future of the central banks by forcing them, for the sake of solutions to the sovereign debts, to do what in so far appeared almost impossible. We can presume such a future, but for the moment we have to observe that central banks, mainly those emitting money used as reserve currencies – for example FED or ECB – are confronted with a strong depletion of their monetary instruments (their monetary policy interest rates are around zero and a great expansion of their balance sheet as an excuse for being the lenders of last resort. At this point, we have to discuss the perverse effect of reaching the minimum efficacy of the instruments used by the central banks regarded as institution and not only as policy makers enjoying a quite long historical building of their credibility and independence. The latest context of the expansion of their balance sheet is giving strong arguments of their implication in fiscal policy, which might ruin their credibility at a time when we say that the core problem of the global economy is the lack of trust of the investors. The same thing is true with their independence, both issues being conducive to the challenge to the future role of the institution of the central bank. The present realities, encompassing already more than five years of seeking solutions to the crisis still in evolution, incite us to tackle with the outcome for the central banks having in mind that the institutions becoming what we feel today as being central banks are under a certain pressure which is affecting exactly their core features giving to them the greatness we were proud of.

  12. Habitat use patterns of the invasive red lionfish Pterois volitans: a comparison between mangrove and reef systems in San Salvador, Bahamas

    Pimiento, Catalina; Nifong, James C.; Hunter, Margaret E.; Monaco, Eric; Silliman, Brian R.

    2015-01-01

    The Indo-Pacific red lionfish Pterois volitans is widespread both in its native and its non-native habitats. The rapid invasion of this top predator has had a marked negative effect on fish populations in the Western Atlantic and the Caribbean. It is now well documented that lionfish are invading many tropical and sub-tropical habitats. However, there are fewer data available on the change in lionfish abundance over time and the variation of body size and diet across habitats. A recent study in San Salvador, Bahamas, found body size differences between individuals from mangrove and reef systems. That study further suggested that ontogenetic investigation of habitat use patterns could help clarify whether lionfish are using the mangrove areas of San Salvador as nurseries. The aim of the present study is to determine temporal trends in lionfish relative abundance in mangrove and reef systems in San Salvador, and to further assess whether there is evidence suggesting an ontogenetic shift from mangroves to reef areas. Accordingly, we collected lionfish from mangrove and reef habitats and calculated catch per unit effort (a proxy for relative abundance), compared body size distributions across these two systems, and employed a combination of stable isotope, stomach content, and genetic analyses of prey, to evaluate differences in lionfish trophic interactions and habitat use patterns. Our results show that populations may have increased in San Salvador during the last 4 years, and that there is a strong similarity in body size between habitats, stark differences in prey items, and no apparent overlap in the use of habitat and/or food resources. These results suggest that there is not evidence an for ontogenetic shift from mangroves to reefs, and support other studies that propose lionfish are opportunistic forages with little movement across habitats.

  13. Banking Activity for Sustainable Development

    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.

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

    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.

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

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

  16. 12 CFR 615.5030 - Borrowings from commercial banks.

    2010-01-01

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

  17. 12 CFR 619.9145 - Farm Credit Bank.

    2010-01-01

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

  18. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    VALENTINA FETINIUC

    2014-10-01

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

  19. The Banking Bailout of the Subprime Crisis: Size and Effects

    Michele Fratianni

    2010-01-01

    Full Text Available This paper examines government policies aimed at rescuing banks from the effects of the great financial crisis of 2007-2009. To delimit the scope of the analysis, we concentrate on the fiscal side of interventions and ignore, by design, the monetary policy reaction to the crisis. The policy response to the subprime crisis started in earnest after Lehman's failure in mid September 2008, accelerated after February 2009, and has become very large by September 2009. Governments have relied on a portfolio of intervention tools, but the biggest commitments and outlays have been in the form of debt and asset guarantees, while purchases of bad assets have been very limited. We employ event study methodology to estimate the benefits of government interventions on banks and their shareholders. Announcements directed at the banking system as a whole (general and at specific banks (specific were priced by the markets as cumulative abnormal rates of return over the selected window periods. General announcements tend to be associated with positive cumulative abnormal returns and specific announcements with negative ones. General announcements exert cross-area spillovers but are perceived by the home-country banks as subsidies boosting the competitive advantage of foreign banks. Specific announcements exert spillovers on other banks. Our results are also sensitive to the information environment. Specific announcements tend to exert a positive impact on rates of return in the pre-crisis sub-period, when announcements are few and markets have relative confidence in the "normal" information flow. The opposite takes place in the turbulent crisis sub-period when announcements are the order of the day and markets mistrust the "normal" information flow. These results appear consistent with the observed reluctance of individual institutions to come forth with requests for public assistance.

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

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

    2015-06-01

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

  1. Liquidity of Czech and Slovak commercial banks

    Pavla Vodová

    2012-01-01

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

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

    Uddin, Md Akther

    2015-01-01

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

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

    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...

  4. PEMAHAMAN NASABAH BANK MUAMALAT INDONESIA BANDA ACEH TERHADAP AKAD MUDHARABAH

    Iskandar Iskandar

    2012-12-01

    Full Text Available Knowledge and understanding of mudharabah products in Islamic banking is necessity for the customers. Mudharabah is one of banking products pose a great risk, because this involves both the investors and the costumers. For the case of Bank Muamalat Indonesia, customer’s lack of understanding on the mudharabah contract may elevate disputes related to the financing offered by the bank as investor and consequently to the consensus of profit sharing ratio. This study aims to discuss and identify the link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh branch. This is a field research that utilized a quantitative approach in gathering data. The results obtained are analyzed using the SPSS software. The finding shows that there is a link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh. The higher level of customer’s understanding towards the product, the smaller risk of conflict may occur. Thus, the data analysis concludes that there is a small positive relationship between customers' understanding of the mudharabah contract and the disputes possibility. =========================================== Pengetahuan dan pemahaman nasabah terhadap produk mudharabah dalam perbankan syariah sangat diperlukan oleh semua nasabah. Mudharabah adalah salah satu produk perbankan yang menimbulkan resiko yang besar, ini karena akad ini melibat dua pihak, yaitu investor dan nasabah. Pada kasus Bank Muamalat Indonesia, kurangnya pemahaman nasabah terhadap produk Mudharabah akan mendatangkan kemungkinan timbulnya sengketa berkaitan pembiayaan yang dikeluarkan oleh bank sebagai shahibul maal dan kesepakatan nisbah pembagian keuntungan. Kajian ini bertujuan untuk membahas dan mengenal pasti kaitan antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia cabang Banda Aceh. Kajian ini merupakan kajian lapangan dengan menggunakan pendekatan kuantitatif dalam mendapatkan

  5. The End of Bank Secrecy?

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

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

  6. Capital Requirements and Banks' Leniency

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

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

  7. Banking Competition and Economic Stability

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

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

  8. Big Data and central banks

    David Bholat

    2015-04-01

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

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

    Dübel, Achim

    2013-01-01

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

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

    International Monetary Fund

    2002-01-01

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

  11. Tissue banking in the Asia Pacific region - an overview

    Hasim Mohamad

    1999-01-01

    Tissue banking is a relative new entity in the Asia-Pacific region. Sporadic cases of tissue transplantation were reported in the early sixties whereby corneas mainly from Sri Lanka were airflown to ophthalmic surgeons in this region. Till today Sri Lanka has been playing a key role in supplying corneas and other tissues throughout the globe. Similar cases of allograft bone transplantation were reported from Myanmar during that period. However it was not until early eighties when a group of scientist medical doctors from various countries in this region met in Colombo under IAEA to discuss the possibilities of developing tissue banks in their respective countries. This development had been very slow and until today only about fourteen countries are directly involved. Due to the lack of financial support both from the authorities or non-government organizations most of the tissue banks survived by research grants from universities, the government research and development grants or grants from private bodies which are hard to come by and are usually inadequate to sustain or to maintain the banks. Most of our tissue banks started small by involving in amniotic membrane processing for use in bum patients in their initial stage of development. These are true for countries like China, Malaysia, Bangladesh, Pakistan and Indonesia where amniotic membranes are easily available and the processing cost is cheap. The availability of cobalt source for radiation of these tissues is also an important factor. Some of these banks until today still focussed on these areas whereas others had rapidly progress into production of other tissue such as bones, heart valves, allograft skin, and xenograft bones. Richer counties in the Pacific rim, where financing is not a major problem, the progress of their banks depends greatly on the demands of tissue by the clinicians and the availability of raw materials and tissue bank facilities. At the moment due to the lack of donors the raw

  12. ELECTRONIC BANKING AND ELECTRONIC COMMERCE IN SERBIA

    Ivana B. Petrevska

    2014-10-01

    Full Text Available Nowadays, we may witness to dramatic and visible changes in our life environment. Business ambient for companies is different every day, and it is very hard to predict a direction of future changes. There is an environment characterized by sharp competition and increasing number of competitors, fast technological improvements and highly sophisticated and informed costumers. Technological process influences the humanity strongly, changing the way that people live, work and spend. Electronic commerce and electronic banking has become incontinent, and makes a great part of today's total transactions. There are an increasing number of companies that perform their business that way and make profit. Social networks are proven to be the least expensive way of information exchange, and they are present in almost every part of the world. The globalization has reached the most distant parts of the Earth. Every resistance to new technologies is dangerous and may lead to bankruptcy. Due to the EU expansion, Internet users are to be expected, and prosperity of the e-commerce business models at the same time. In Serbia, electronic commerce is present, but not as developed as in EU countries. E-commerce, however it might be successful throughout the world, it is somewhat slow in its growth in Serbia. The reasons are numerous, and main obstacles are the lack of trust, still limited usage of banking cards, avoiding of e-payments by older population etc. Also, the recent scandals over the misuse of personal data, and e-crime are discouraging factors for the growth of e-trade and ebanking. The younger generations are ever more ready to use e-commerce, since they are open to new technologies and do not have the defensive attitude towards it. E-commerce and e-banking has growing potential even among older population, if the society prevents them from fear and mistrust.

  13. TRANSACTIONAL LEADER IN ROMANIAN PRIVATE BANKING SYSTEM

    Lucian Ciprian CRIȘAN

    2016-05-01

    Full Text Available From a managerial point of view, all the media means of professional communication, socialization and interaction emphasize entrepreneurial success stories. One of the modern concerns of all current researchers is to underline the place and role of leaders in the institutional framework. The leadership is perceived as a support pillar in maintaining any business. The analysis of this phenomenon is extremely extensive, starting with the culture of a company, the purpose of its existence and comprises aspects concerning the employees motivation and the degree of identifying themselves with the organizational objective. A constant concern in analyzing this phenomenon is retaining the employees and encouraging them to bring added value to the organization where they perform their daily activities. Nevertheless, the Romanian banking system in Timişoara seems to display a strong resistance towards change. The leadership of this industry is comprised of people with great managerial abilities. The transactional method, manifested by the leader in the Romanian private banking system in Timişoara, seems to be the main phenomenon at the basis of their daily activity. The manager – leader hypothesis is slowly taking shape. Due to the resistance to change, generated by the educational model, from a managerial point of view, the balance is strongly tilting towards the managerial traits at the expense of the leadership ones. We are still at the stage where the tolerance towards liberty, uncertainty, are some of the traits of the leader in the Romanian private banking system in Timişoara, which are poorly identified at the management level of this very important segment of activity.

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

    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.

  15. An Experiment on the Causes of Bank Run Contagions

    Surajeet Chakravarty; Miguel A. Fonseca; Todd Kaplan

    2012-01-01

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

  16. Online Banking on E-Commerce in India

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

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

  17. Bank Swallow - Monitoring [ds6

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

  18. Selected Banks Economic Efficiency Indicators

    Adam Szafarczyk

    2007-04-01

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

  19. Bank Lending, Housing and Spreads

    Aslam, Aqib; Santoro, Emiliano

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

  20. Hazardous Substances Data Bank (HSDB)

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