78 FR 36571 - North American Datum of 1983 (NAD 83) Outer Continental Shelf (OCS) Provisional Official...

Science.gov (United States)

2013-06-18

... DEPARTMENT OF THE INTERIOR Bureau of Ocean Energy Management [MMAA104000] North American Datum of 1983 (NAD 83) Outer Continental Shelf (OCS) Provisional Official Protraction Diagram (OPDs) AGENCY... OPDs. SUMMARY: Notice is hereby given that effective with this publication two NAD 83-based OCS...

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

Science.gov (United States)

2010-08-13

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

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

Science.gov (United States)

2013-06-21

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

Hurricane Isabel Aerial Photography: High-Resolution Imagery of the North Carolina Outer Banks After Landfall

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The National Geodetic Survey Remote Sensing Division in collaboration with the North Carolina Department of Transportation, Emergency Management Agency, Department...

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

Science.gov (United States)

Amato, Roger V.; Simonis, Edvardas K.

1980-01-01

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

Comparison between predicted and observed sand waves and sand banks in the North Sea

NARCIS (Netherlands)

Hulscher, Suzanne J.M.H.; van den Brink, G.M.

2001-01-01

For the first time a prediction model of regular morphological patterns on the seabed was tested against observations of sand wave and sand bank occurrence in the entire North Sea. The model, which originates from first physical principles, predicts this occurrence via two dimensionless parameters

Stabilization of the bank upstream on the north shore of the La Grande-1 installation

International Nuclear Information System (INIS)

Massiera, M.

1998-01-01

As part of the completion of the La Grande-1 project, construction of a 2,444 m long dyke was required on the north bank of the La Grande River. Sensitive marine clay, covered with deltaic and river sand and silt deposits was discovered which required special design features such as stabilization of the river bank, to avoid the possibility of disastrous retrogressive slides. This paper describes the geotechnical conditions of the northern terrace and the options available for stabilizing the river bank. Different phases of the construction of the stabilization dyke, including the excavated trench across the terrace, the instrumentation installed and the control measures taken, are also outlined. 8 refs., 1 tab., 3 figs

RUSSIAN BANK ACTIVITY STRATEGIC MANAGEMENT PROBLEMS

Directory of Open Access Journals (Sweden)

V. B. Pogosyan

2011-01-01

Full Text Available Main strategic management problems characteristic for the majority of Russian bank are: absence of systems making it possible to adapt bank activity elements to changing outer and inner business conditions; obsolete client service system; traditional liquidity and risk managementmechanisms; absence of systems of coordinating bank strategic management process participants’ interests with the banks aims. Ways of overcoming basic difficulties in bank activity strategic management are defined.

Stabilization of the dyke on the north bank of the La Grande 1 hydroelectric complex

International Nuclear Information System (INIS)

Massiera, M.; Tournier, J-P.

2000-01-01

Special design features required in constructing a 2444 m long dyke on the north bank of the La Grade River at the site of the La Grande 1 hydroelectric power project are described. The special features involved construction of a downstream bank and upstream stabilization berms to avoid the occurrence of potentially dangerous retrogressive slides. These special features were deemed essential due to the presence of sensitive marine clay, covered with deltaic sand and silt and river sand deposits. The paper highlights the geotechnical and hydrogeological conditions of the northern terrace, and describes the different construction phases of stabilizing the river bank. Control of groundwater pressures in the lower aquifer with relief wells is emphasized. 9 refs., 1 tab., 17 figs

Stranieri e vicini: le banche attraverso le frontiere del nord America. (Strangers and neighbours: cross-border banking in North America

Directory of Open Access Journals (Sweden)

J.W. DEAN

2013-12-01

Full Text Available L'articolo si occupa di aspetti normativi e competitivi della penetrazione reciproca da parte delle banche canadesi e statunitensi nei rispettivi mercati nazionali . Gli autori valutano il grado in cui i fattori economici sono gli unici responsabili per la differenza nei tassi di crescita tra le banche nazionali ed estere in Nord America. Essi sostengono che il regolamento non ha inciso sullala crescita delle banche estere in Nord America affrontando la questione della reciprocità in regolamenti bancari , prima di esaminare le banche estere negli Stati Uniti e il modo in cui sono state regolamentate .The paper is concerned with regulatory and competitive aspects of the mutual penetration by Canadian and U.S. banks of each other’s domestic markets. The authors assess the degree to which economic factors alone are responsible for the difference in growth rates between domestic and foreign banks in North America. They argue that regulation has not affected the growth of foreign banks in North America by addressing the question of reciprocity in banking regulations, before examining foreign banks in the U.S. and the manner in which they have been regulated. U.S. banks operating in Canada are then dealt with. Finally, the results of an empirical test of the proposition that the growth of cross-border banking is attributable to factors other than differential regulation is presented.JEL: G21

Characterization of water-quality and bed-sediment conditions in Currituck Sound, North Carolina, prior to the Mid-Currituck Bridge construction, 2011–15

Science.gov (United States)

Wagner, Chad R.; Fitzgerald, Sharon; Antolino, Dominick J.

2015-12-24

The North Carolina Turnpike Authority, a division of the North Carolina Department of Transportation, is planning to make transportation improvements in the Currituck Sound area by constructing a two-lane bridge from U.S. Highway 158 just south of Coinjock, North Carolina, to State Highway 12 on the Outer Banks just south of Corolla, North Carolina. The results of the Final Environmental Impact Study associated with the bridge and existing roadway improvements indicated potential water-quality and habitat impacts to Currituck Sound related to stormwater runoff, altered light levels, introduction of piles as hard substrate, and localized turbidity and siltation during construction.

77 FR 48156 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-08-13

... Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue... Dakota; Jeffrey Topp, Grace City, North Dakota; Janet Topp, Grace City, North Dakota; and Roger Kenner...

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

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

Science.gov (United States)

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

2018-01-01

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

Efficiency Analysis of Islamic Banks in the Middle East and North Africa Region: A Bootstrap DEA Approach

Directory of Open Access Journals (Sweden)

Raéf Bahrini

2017-02-01

Full Text Available This paper measures and analyzes the technical efficiency of Islamic banks in the Middle East and North Africa (MENA region during the period 2007–2012. To do this, the bootstrap Data Envelopment Analysis (DEA approach was employed in order to provide a robust estimation of the overall technical efficiency and its components: pure technical efficiency and scale efficiency in the case of MENA Islamic banks. The main results show that over the period of study, pure technical inefficiency was the main source of overall technical inefficiency instead of scale inefficiency. This finding was confirmed for all MENA Islamic banks as well as for the two subsamples: Gulf Cooperation Council (GCC and non-GCC Islamic banks. Furthermore, our results show that GCC Islamic banks had stable efficiency scores during the global financial crisis (2007–2008 and in the early post-crisis period (2009–2010. However, a decline in overall technical efficiency of all panels of MENA Islamic banks was recorded in the last two years of the study period (2011–2012. Thus, we recommend that MENA Islamic bank managers focus more on improving their management practices rather than increasing their sizes. We also recommend that financial authorities in MENA countries implement several regulatory and financial measures in order to ensure the development of MENA Islamic banking.

Anthropogenic soils on spoil rock banks in North Bohemian Coal Basin, Czech Republic

International Nuclear Information System (INIS)

Raclavska, H.; Raclavsky, K.; Matysek, D.; Stalmachova, B.

1997-01-01

The area of the North Bohemian Coal Basin is devastated by the extensive exploitation of brown coal by open pit mining. Knowledge of newly formed soils, their properties, development and contamination is important from the point of view of biological regeneration of the landscape. The mineralogy of anthropogenic soils from the mining area is presented together with the geochemistry of nutrients and trace elements. Attention is paid to the soil-forming processes in the non-reclaimed spoil rock banks with the development of spontaneous vegetation. 3 refs., 1 fig., 4 tabs

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

OpenAIRE

Sardar Shaker Ibrahim

2017-01-01

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

Bank Erosion, Mass Wasting, Water Clarity, Bathymetry and a Sediment Budget Along the Dam-Regulated Lower Roanoke River, North Carolina

Science.gov (United States)

Schenk, Edward R.; Hupp, Cliff R.; Richter, Jean M.; Kroes, Daniel E.

2010-01-01

Dam construction and its impact on downstream fluvial processes may substantially alter ambient bank stability, floodplain inundation patterns, and channel morphology. Most of the world's largest rivers have been dammed, which has prompted management efforts to mitigate dam effects. Three high dams (completed between 1953 and 1963) occur along the Piedmont portion of the Roanoke River, North Carolina; just downstream, the lower part of the river flows across largely unconsolidated Coastal Plain deposits. To document bank erosion rates along the lower Roanoke River, more than 700 bank erosion pins were installed along 124 bank transects. Additionally, discrete measurements of channel bathymetry, water clarity, and presence or absence of mass wasting were documented along the entire 153-kilometer-long study reach. Amounts of bank erosion in combination with prior estimates of floodplain deposition were used to develop a bank erosion and floodplain deposition sediment budget for the lower river. Present bank erosion rates are relatively high [mean 42 milimeters per year (mm/yr)] and are greatest along the middle reaches (mean 60 mm/yr) and on lower parts of the bank on all reaches. Erosion rates were likely higher along upstream reaches than present erosion rates such that erosion rate maxima have migrated downstream. Mass wasting and water clarity also peak along the middle reaches.

El Niño effects on soil seed bank dynamics in north-central Chile.

Science.gov (United States)

Gutiérrez, Julio R; Meserve, Peter L

2003-03-01

The soil seed bank was monitored in four 75x75 m plots over 6 years (1990-1995) in an arid thorn scrub community in north-central Chile. Sixty-six species were identified. Total seed densities ranged from 2,000 to 42,000/m(2). Average mass of shrub seeds was significantly greater than that of other growth-forms. Between 70 and 90% of the seeds were less than 1 mg, with those in the 0.51-1.00 mg size class being most numerous. Seed densities were highly variable between years as well as within years, but were also closely associated with plant cover patterns and rainfall regime. Higher seed densities were found in wet years, and in samples taken in early summer and early autumn (i.e., after seed set); the lowest seed densities were in late winter (i.e., after annual plant germination). The annual plant species with the highest cover were also the most abundant in the soil seed bank and exhibited the largest seed density fluctuations. In general, seed densities were 5- to 10-fold higher during the 1991-1992 El Niño/southern oscillation (ENSO) years than non-ENSO years, showing the importance of this phenomenon for seed bank replenishment in the arid region of Chile.

77 FR 35386 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-13

... June 28, 2012. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell S. King, North Oaks, Minnesota; to...

GRANNY, a data bank of chemical analyses of Laramide and younger high-silica rhyolites and granites from Colorado and north-central New Mexico

Science.gov (United States)

Steigerwald, Celia H.; Mutschler, Felix E.; Ludington, Steve

1983-01-01

GRANNY is a data bank containing information on 507 chemically analyzed Laramide or younger high-silica rhyolites and granites from Colorado and north-central New Mexico. The data were compiled from both published and unpublished sources. The data bank is designed to aid in the recognition of igneous rocks with a high exploration potential for the discovery of molybdenum (and other lithophile element) deposits. Information on source reference, geographic location, age, mineralogic and petrologic characteristics, major constituent analyses, and trace element analyses for each sample are given. The data bank is available in two formats: 1) paper- or microfiche-hardcopy, and 2) fixed format computer readable magnetic tape.

The evolution of the Dogger Bank, North Sea: A complex history of terrestrial, glacial and marine environmental change

Science.gov (United States)

Cotterill, Carol J.; Phillips, Emrys; James, Leo; Forsberg, Carl Fredrik; Tjelta, Tor Inge; Carter, Gareth; Dove, Dayton

2017-09-01

This paper presents a summary of the results of a detailed multidisciplinary study of the near surface geology of the Dogger Bank in the southern central North Sea, forming part of a site investigation for a major windfarm development undertaken by the Forewind consortium. It has revealed that the Dogger Bank is internally complex rather than comprising a simple ;layer cake; of the Quaternary sediments as previously thought. Regional and high-resolution seismic surveys have enabled a revised stratigraphic framework to be established for the upper part of this sequence which comprises the Eem (oldest), Dogger Bank, Bolders Bank formations and Botney Cut Formation (youngest), overlain by a typically thin Holocene sequence. Detailed mapping of key horizons identified on the high-resolution seismic profiles has led to the recognition of a series of buried palaeo-landsystems which are characterised by a range of features including; glacial, glacifluvial and fluvial channels, a large-scale glacitectonic thrust-moraine complex with intervening ice-marginal basins, a lacustrine basin and marine ravinement surfaces. Interpretation of these buried landscapes has enabled the development of an environmental change model to explain the evolution of the Dogger Bank. This evolution was driven by the complex interplay between climate change, ice sheet dynamics and sea level change associated with the growth and subsequent demise of the British and Irish and Fennoscandian ice sheets during the Weichselian glaciation. Following the decay of these ice sheets the Dogger Bank entered a period of significant climatic and environmental flux which saw a terrestrial landscape being progressively inundated as sea levels rose during the Holocene.

Gridded bathymetry of 35 fthm Bank, and 37 fthm Bank, north of Farallon de Medinilla, CNMI, USA.

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Gridded bathymetry (5m) of the bank environment of 35-fthm Bank and 37 fthm Bank,CNMI USA. These netCDF and ASCII grids include multibeam bathymetry from the Reson...

Perceived Attributes of Factors Influencing Consumers’ Engagement with Electronic Banking

Directory of Open Access Journals (Sweden)

Taiwo Adewale Muritala

2012-08-01

Full Text Available This study intends to critically analyze the relationship between perceived attributes as factors and consumers’ engagement with electronic banking technology. A survey method was used to gather data from 200 secondary school teachers from five selected local government in South-Western part of Nigeria namely; Ibadan North, Egbeda, Ido, Ibadan North-East and Ibadan North-West Local government. Data was collected with a structured questionnaire and analyzed with several descriptive statistics to identify consumers’ engagement in electronic banking technology in Nigeria. The results of the study therefore reveals that the most common influential factors hindering consumers’ adoption of electronic banking in Nigeria are relative advantage of economic gains and non-economic gains, social character, communication behavior, trialability as well as observability. Hence, it therefore recommends that the banks should create channels through which customers’ awareness will be enhanced and employ IT trained personnel to monitor and report any fraudulent transaction in order to secure customers’ trust on safety risk/security.

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

Directory of Open Access Journals (Sweden)

Sardar Shaker Ibrahim

2017-02-01

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

77 FR 76039 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2012-12-26

... York, with and into Flushing Commercial Bank, North New Hyde Park, New York, which will become a New York State-chartered commercial bank and change its name to Flushing Bank. Comments on this proposal... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Bank Holding Companies The...

Human milk banking.

Science.gov (United States)

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

2013-01-01

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

Vacuum Outer-Gap Structure in Pulsar Outer Magnetospheres

International Nuclear Information System (INIS)

Gui-Fang, Lin; Li, Zhang

2009-01-01

We study the vacuum outer-gap structure in the outer magnetosphere of rotation-powered pulsars by considering the limit of trans-field height through a pair production process. In this case, the trans-field height is limited by the photon-photon pair production process and the outer boundary of the outer gap can be extended outside the light cylinder. By solving self-consistently the Poisson equation for electrical potential and the Boltzmann equations of electrons/positrons and γ-rays in a vacuum outer gap for the parameters of Vela pulsar, we obtain an approximate geometry of the outer gap, i.e. the trans-field height is limited by the pair-production process and increases with the radial distance to the star and the width of the outer gap starts at the inner boundary (near the null charge surface) and ends at the outer boundary which locates inside or outside the light cylinder depending on the inclination angle. (geophysics, astronomy, and astrophysics)

Morphology of a coral bank, western continental shelf of India: A multibeam study

Digital Repository Service at National Institute of Oceanography (India)

Rao, P.S.; Kodagali, V.N.; Ramprasad, T.; Nair, R.R.

Morphology of a living coral bank (Gaveshani Bank) is described using multibeam swath bathymetric survey system Hydrosweep. The bank has a height of 42 m, length of 2 km and a maximum width of 1.66 km, with steep flanks and flat top. It has a north...

Marine fauna of hard substrata of the Cleaver bank and Dogger bank

NARCIS (Netherlands)

Schrieken, N.; Gittenberger, A.; Coolen, J.W.P.; Lengkeek, W.

2013-01-01

As most of the sea bottom in the Dutch part of the North Sea consists of sand, marine fauna that live in association with hard substrates are rarely monitored. We report here on the results of a species inventory in June 2011 done by scuba-diving while focusing on a wreck on the Dogger Bank and on

Marine fauna of hard substrata of the Cleaver Bank and Dogger Bank

NARCIS (Netherlands)

Schrieken, N.; Gittenberger, A.; Coolen, J.W.P.; Lengkeek, W.

2013-01-01

As most of the sea bottom in the Dutch part of the North Sea consists of sand, marine fauna that live in association with hard substrates are rarely monitored. We report here on the results of a species inventory in June 2011 done by scuba-diving while focusing on a wreck on the Dogger Bank and on

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

OpenAIRE

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 ...

Physical processes and sedimentation on a broad, shallow bank

Science.gov (United States)

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

1982-02-01

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

Enhanced sediment loading facilitates point bar growth and accelerates bank erosion along a modelled meander bend on the Sacramento River, USA

Science.gov (United States)

Ahmed, J.; Constantine, J. A.; Hales, T. C.

2017-12-01

Meandering channels provide a conduit through which sediment and water is routed from the uplands to the sea. Alluvial material is periodically stored and transported through the channel network as permitted by the prevailing hydrologic conditions. The lowlands are typically characterised by accumulations of sediment attached to the inner banks of meander bends (point bars). These bedforms have been identified as important for facilitating a link between in-stream sediment supplies and channel dynamism. A 2D curvilinear hydrodynamic model (MIKE 21C) was used to perform a number of experiments in which the sediment load was adjusted to investigate how changes in alluvial material fluxes affect the development of point bars and the resultant patterns of bank erosion. A doubling of the sediment load caused a longitudinal increase in the bar in the upstream direction and caused a coeval doubling of the transverse channel slope at the meander apex. The upstream growth of the point bar was accompanied by an increase in length over which lateral migration took place at the outer bank. The magnitude of outer bank erosion was 9-times greater for the high-sediment simulation. These results suggest that enhanced sediment loads (potentially the result of changes in land use or climate) can trigger greater rates of bank erosion and channel change through the sequestration of alluvial material on point bars, which encourage high-velocity fluid deflection towards the outer bank of the meander. This controls riparian habitat development and exchanges of sediment and nutrients across the channel-floodplain interface.

Influence of riparian vegetation on near-bank flow structure and erosion rates on a large meandering river

Science.gov (United States)

Konsoer, K. M.; Rhoads, B. L.; Langendoen, E. J.; Johnson, K.; Ursic, M.

2012-12-01

Rates of meander migration are dependent upon dynamic interactions between planform geometry, three-dimensional flow structure, sediment transport, and the erodibility and geotechnical properties of the channel banks and floodplains. Riparian vegetation can greatly reduce the rate of migration through root-reinforcement and increased flow resistance near the bank. In particular, forested riverbanks can also provide large woody debris (LWD) to the channel, and if located near the outer bank, can act to amour the bank by disrupting three-dimensional flow patterns and redirecting flow away from the bank-toe, the locus of erosion in meandering rivers. In this paper, three-dimensional flow patterns and migration rates are compared for two meander bends, one forested and one non-forested, on the Wabash River, near Grayville, Illinois. Flow data were obtained using acoustic Doppler current profilers (ADCP) for two large flow events in May and June 2011. LWD was mapped using a terrestrial LiDAR survey, and residence times for the LWD were estimated by comparing the survey data to time-series aerial photography. Rates of migration and planform evolution were determined through time-series analysis of aerial photography from 1938-2011. Results from this study show that near-bank LWD can have a significant influence on flow patterns through a meander bend and can disrupt helical flow near the outer bank, thereby reducing the effect of the high velocity core on the toe of the bank. Additionally, these effects influence migration rates and the planform evolution of meandering rivers.

World bank and the environment. Progress report

International Nuclear Information System (INIS)

1991-01-01

The second annual report describes specific environmental strategies and environmental lending in the Bank's four operational regions: Africa; Asia; Europe, Middle East, and North Africa; and Latin America and the Caribbean. It details the Bank's progress in eight environmental categories: energy and the environment, pollution, urban environment, water resources management, forest and land management, social and cultural, environmental economics, and the global environment. One chapter is devoted exclusively to tropical forests, studying ways in which the Bank is dealing with deforestation as a part of the constant review of its forest policies. Suggestions are made for decreasing the degradation of tropical forests while meeting demands for forest products. This chapter reflects a shift in Bank emphasis from commercial ventures to conservation measures. The publication reports on other initiatives by the Bank during fiscal 1991, including the launching of the Global Environment Facility (GEF)--a pilot program to oversee reduction of global warming, preservation of biological diversity, protection of international waters, and prevention of ozone depletion

77 FR 17036 - Revised Notice of Intent To Prepare a Draft Environmental Impact Statement for the Bogue Banks...

Science.gov (United States)

2012-03-23

... alternatives to reduce coastal storm damages from beach erosion on Bogue Banks North Carolina. The Bogue Banks... Prepare a Draft Environmental Impact Statement for the Bogue Banks Coastal Storm Damage Reduction... shoreline, causing damage to structures and environmental resources. The proposed Bogue Banks Coastal Storm...

Reef fishes of Saba Bank, Netherlands Antilles: assemblage structure across a gradient of habitat types.

Directory of Open Access Journals (Sweden)

Wes Toller

Full Text Available Saba Bank is a 2,200 km(2 submerged carbonate platform in the northeastern Caribbean Sea off Saba Island, Netherlands Antilles. The presence of reef-like geomorphic features and significant shelf edge coral development on Saba Bank have led to the conclusion that it is an actively growing, though wholly submerged, coral reef atoll. However, little information exists on the composition of benthic communities or associated reef fish assemblages of Saba Bank. We selected a 40 km(2 area of the bank for an exploratory study. Habitat and reef fish assemblages were investigated in five shallow-water benthic habitat types that form a gradient from Saba Bank shelf edge to lagoon. Significant coral cover was restricted to fore reef habitat (average cover 11.5% and outer reef flat habitat (2.4% and declined to near zero in habitats of the central lagoon zone. Macroalgae dominated benthic cover in all habitats (average cover: 32.5--48.1% but dominant algal genera differed among habitats. A total of 97 fish species were recorded. The composition of Saba Bank fish assemblages differed among habitat types. Highest fish density and diversity occurred in the outer reef flat, fore reef and inner reef flat habitats. Biomass estimates for commercially valued species in the reef zone (fore reef and reef flat habitats ranged between 52 and 83 g/m(2. The composition of Saba Bank fish assemblages reflects the absence of important nursery habitats, as well as the effects of past fishing. The relatively high abundance of large predatory fish (i.e. groupers and sharks, which is generally considered an indicator of good ecosystem health for tropical reef systems, shows that an intact trophic network is still present on Saba Bank.

The fish and fisheries of Jones Bank and the wider Celtic Sea

Science.gov (United States)

Martinez, I.; Ellis, J. R.; Scott, B.; Tidd, A.

2013-10-01

The Celtic Sea is a diverse fishing ground that supports important commercial fisheries for a range of demersal fish, large and small-bodied pelagic fish and a variety of cephalopods and other shellfish. A regional overview of the main commercial fish stocks of the Celtic Sea and of the fish that occur in the vicinity of Jones Bank are provided through analyses of landings data from English and Welsh vessels, and from scientific trawl surveys. Dedicated smaller scale sampling via trawl surveys combined with baited cameras on and around the Jones Bank were also analysed to investigate the importance of sandbank habitats with attention paid to the differences in the species occurring on the top of the bank in comparison to adjacent off-bank habitats. Official landing statistics for UK (English and Welsh) vessels indicated that the predominant commercial demersal species in ICES Divisions VIIg,h (in terms of quantities landed) were anglerfish, megrim, pollack and skates (Rajidae). There were, however, regional differences in the distribution of fish and fisheries, and the area surrounding Jones Bank (ICES Rectangles 28E1 and 28E2) supports fisheries for megrim, anglerfish, skates, hake, ling and turbot, with otter trawl, gillnet and beam trawl the main gears used. Recent survey data collected with GOV (Grande Ouverture Verticale) trawl from the Celtic Sea (ICES Divisions VIIe-h, 2007-2010) were used to highlight the broad scale distribution of the main fish assemblages in the Celtic Sea. Analyses of the fish and cephalopod catches from these surveys indicated that there were four broad assemblages in the area, including (i) a region around the Cornwall (which will also be partly influenced by the necessity to use rockhopper ground gear on these rough grounds), (ii) the shallower regions of the north-western Celtic Sea (including parts of the Bristol Channel), (iii) the deeper parts of the outer shelf and (iv) the central Celtic Sea. These data also provided

Hurricane Isabel Poster (September 18, 2003)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Hurricane Isabel poster. Multi-spectral image from NOAA-17 shows Hurricane Isabel making landfall on the North Carolina Outer Banks on September 18, 2003. Poster...

Hurricane Irene Poster (August 27, 2011)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Hurricane Irene poster. Color composite GOES image shows Irene moving through the North Carolina Outer Banks on August 27, 2011. Poster size is 36"x27"

Islamic Credit Risk Analysis Case Of Sudanese Banking Sector 2006-2014

Directory of Open Access Journals (Sweden)

Mohammed A. SirElkhatim

2017-06-01

Full Text Available Islamic banking system has been expanding so quickly over the past few years. Moreover it has been developing significantly around the non-Muslim territories including Middle Eastern countries Southeast Asian countries and European countries and even in North American countries. The existing of Islamic banks is to attract the customers who seek to avoid interest. The prediction of corporate bankruptcies is an Important and widely studied topic since it can have significant impact on bank lending decisions and profitability the ultimate purpose of credit risk management is to ensure that credit fund is of safety profitability and fluidity. At present it is extremely important of commercial banks to set up an early bank risk warning system.

Atlantic update, July 1986--June 1990: Outer Continental Shelf oil and gas activities

Energy Technology Data Exchange (ETDEWEB)

Karpas, R.M.; Gould, G.J.

1990-10-01

This report describes outer continental shelf oil and gas activities in the Atlantic Region. This edition of the Atlantic Update includes an overview of the Mid-Atlantic Planning Area and a summary of the Manteo Prospect off-shore North Carolina. 6 figs., 8 tabs.

The world bank and the environment. Progress report

International Nuclear Information System (INIS)

1991-01-01

The second annual report describes specific environmental strategies and environmental lending in the Bank's four operational regions: Africa; Asia; Europe, Middle East, and North Africa; and Latin America and the Caribbean. It details the Bank's progress in eight environmental categories: energy and the environment, pollution, urban environment, water resources management, forest and land management, social and cultural, environmental economics, and the global environment. One chapter is devoted exclusively to tropical forests, studying ways in which the Bank is dealing with deforestation as a part of the constant review of its forest policies. Suggestions are made for decreasing the degradation of tropical forests while meeting demands for forest products. This chapter reflects a shift in Bank emphasis from commercial ventures to conservation measures. The publication reports on other initiatives by the Bank during fiscal 1991, including the launching of the Global Environment Facility (GEF)--a pilot program to oversee reduction of global warming, preservation of biological diversity, protection of international waters, and prevention of ozone depletion

75 FR 13763 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2010-03-23

... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Bank Holding Companies The..., California 94105-1579: 1. North Asia Investment Corporation, Seoul, Korea; to become a bank holding company by acquiring 100 percent of the voting shares of Pacific City Financial Corporation, and Pacific City...

Nonprofit Human Milk Banking in the United States.

Science.gov (United States)

Updegrove, Kimberly

2013-01-01

Human milk, widely understood to be beneficial for infants, can be lifesaving for preterm neonates, especially in reducing the risk of necrotizing enterocolitis. Donor human milk (DHM) is an option when mothers are unable to provide milk or have an inadequate supply for their infants. Nonprofit donor human milk banks are established to provide safe, processed human milk from milk donated by healthy lactating mothers who have undergone a rigorous screening process. These milk banks, operating under the auspices of the Human Milk Banking Association of North America, obtain, process, and dispense human milk under strict guidelines set by the association. Increasing the supply of donor human milk to meet a dramatic increase in demand poses a significant challenge for nonprofit milk banks. Efforts to increase supply nationwide include education of providers, use of social media to engage potential donors, and outreach to news media. In parallel, milk banks are establishing regional depots to collect donations, and additional milk banks are being developed. This article describes the current nonprofit milk bank industry in the United States, its challenges, and its future prospects. © 2013 by the American College of Nurse‐Midwives.

CROSS-COUNTRY STUDY ON THE DETERMINANTS OF BANK FINANCIAL DISTRESS

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Zhen-Jia-Liu

2015-08-01

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

EVALUATING THE OVERALL TECHNICAL EFFICIENCY OF ISLAMIC BANKS OPERATING IN THE MENA REGION DURING THE FINANCIAL CRISIS.

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Ali Said

2013-04-01

Full Text Available The present paper measured overall technical efficiency of Islamic banks operating in the MENA region during the financial crisis of 2007-2009 to address the question what are the levels of overall, pure technical and scale efficiency of Islamic banks operating in the MENA region and how they evolved during the financial crisis. This paper addresses this question technical, pure technical, and scale efficiency measures are analyzed by employing on-parametric technique, Data Envelopment Analysis (DEA. The study results suggested that Islamic banks in other MENA countries and North Africa on an average are relatively technically inefficient. This might be due to the underdeveloped banking system in those countries. In addition, the decomposition of technical efficiency into pure technical and scale efficiency shows that on average, the Islamic banks in North Africa counties and other MENA counties are having problems in the allocation of resources between their inputs and outputs mix compare to Islamic banks in GCC.

75 FR 39946 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2010-07-13

... Reserve Bank of Dallas (E. Ann Worthy, Vice President) 2200 North Pearl Street, Dallas, Texas 75201-2272... First National Bank of Shiner, Shiner, Texas. 2. A.N.B. Holding Company, Ltd., Terrell, Texas; to acquire up to 32 percent of the voting shares of The ANB Corporation, Terrell, Texas, and thereby...

77 FR 43284 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2012-07-24

..., Pennsylvania. B. Federal Reserve Bank of Dallas (E. Ann Worthy, Vice President) 2200 North Pearl Street, Dallas, Texas 75201-2272: 1. A.N.B. Holding Company, Ltd., Terrell, Texas, to acquire additional voting shares... additional voting shares of The American National Bank of Texas, both in Terrell, Texas; and Lakeside...

78 FR 46583 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2013-08-01

... Governors not later than August 26, 2013. A. Federal Reserve Bank of Dallas (E. Ann Worthy, Vice President) 2200 North Pearl Street, Dallas, Texas 75201-2272: 1. A.N.B. Holding Company, Ltd., Terrell, Texas; to... acquire voting shares of The American National Bank of Texas, both in Terrell, Texas; Lakeside Bancshares...

Large-scale glacitectonic deformation in response to active ice sheet retreat across Dogger Bank (southern central North Sea) during the Last Glacial Maximum

Science.gov (United States)

Phillips, Emrys; Cotterill, Carol; Johnson, Kirstin; Crombie, Kirstin; James, Leo; Carr, Simon; Ruiter, Astrid

2018-01-01

High resolution seismic data from the Dogger Bank in the central southern North Sea has revealed that the Dogger Bank Formation records a complex history of sedimentation and penecontemporaneous, large-scale, ice-marginal to proglacial glacitectonic deformation. These processes led to the development of a large thrust-block moraine complex which is buried beneath a thin sequence of Holocene sediments. This buried glacitectonic landsystem comprises a series of elongate, arcuate moraine ridges (200 m up to > 15 km across; over 40-50 km long) separated by low-lying ice marginal to proglacial sedimentary basins and/or meltwater channels, preserving the shape of the margin of this former ice sheet. The moraines are composed of highly deformed (folded and thrust) Dogger Bank Formation with the lower boundary of the deformed sequence (up to 40-50 m thick) being marked by a laterally extensive décollement. The ice-distal parts of the thrust moraine complex are interpreted as a "forward" propagating imbricate thrust stack developed in response to S/SE-directed ice-push. The more complex folding and thrusting within the more ice-proximal parts of the thrust-block moraines record the accretion of thrust slices of highly deformed sediment as the ice repeatedly reoccupied this ice marginal position. Consequently, the internal structure of the Dogger Bank thrust-moraine complexes can be directly related to ice sheet dynamics, recording the former positions of a highly dynamic, oscillating Weichselian ice sheet margin as it retreated northwards at the end of the Last Glacial Maximum.

Tissue banking, biovigilance and the notify library.

Science.gov (United States)

Strong, D Michael

2017-06-30

This issue is dedicated to the contributions of Professor Glyn O. Phillips to the field of tissue banking and the advancement of science in general. The use of ionizing radiation to sterilize medical products drew the interest of the International Atomic Energy Agency (IAEA). A meeting in 1976 in Athens Greece to present work on the effects of sterilizing radiation doses upon the antigenic properties of proteins and biologic tissues was my first introduction of Professor Phillips and the role that he was to play in Tissue Banking (Friedlaender, in Phillips GO, Tallentine AN (eds) Radiation sterilization. Irradiated tissues and their potential clinical use. The North E. Wales Institute, Clwyd, p 128, 1978). The IAEA sponsored subsequent meetings in the Republic of Korea, Czechoslovakia and Rangoon, the later including a visit to the tissue bank by Professor Phillips. His advocacy resulted in multiple workshops and teaching opportunities in a variety of countries, one of which led to the establishment of the Asia Pacific Surgical Tissue Banking Association in 1989 (Phillips and Strong, in Phillips GO, Strong DM, von Versen R, Nather A (eds) Advances in tissue banking, vol 3. World Scientific, Singapore, pp 403-417, 1999).

31 CFR 500.560 - Bank accounts of official representatives of foreign governments in North Korea, North Viet-Nam...

Science.gov (United States)

2010-07-01

... representatives of foreign governments in North Korea, North Viet-Nam, Cambodia, or South Viet-Nam. 500.560... governments in North Korea, North Viet-Nam, Cambodia, or South Viet-Nam. Specific licenses are issued... Viet-Nam, Cambodia, or South Viet-Nam for transactions which are not inconsistent with the purposes of...

Islamic and conventional bank market value: Manager behavior and investor sentiment

Directory of Open Access Journals (Sweden)

Mouna Abdelhedi-Zouch

2016-12-01

Full Text Available This paper studies the effect of bank manager behavior and investor behavior on market value of Islamic and conventional banks in the Middle East and North Africa region. Firstly, our analysis denoted the positive effect of discretionary behavior of manager on both types of banks on share prices since discretionary behavior transmits to investor a positive signal of future earnings’ prospects. Also, we find that the conventional bank stock prices response is very high to negative signal compared with positive signal. This result is explained by prospect theory and loss aversion bias which specified that individuals are more sensitive to losses than gains of same magnitude. In particular, we discover that the negative effect of non-discretionary behavior is much lower on Islamic bank value since investors give more confidence to Islamic bank because they are motivated by the idea that Islamic banks are safer than conventional banks. Secondly, the results show that investor sentiment affects significantly both bank market prices. Thus, both Islamic and conventional banks’ market value depends similarly on manager and investor behavior. The implication of this paper is that Islamic bank concentrations reveal a positive effect on their price values because of the recently increased investments in Islamic banks.

An exploration into the home field, global advantage and liability of unfamiliarness hypotheses in multinational banking

Directory of Open Access Journals (Sweden)

Fadzlan Sufian

2011-09-01

Full Text Available This paper seeks to expand the efficiency paradigm of the eclectic theory in multinational banking within the context of a developing country banking sector. We employ the Data Envelopment Analysis (DEA method to examine the efficiency of multinational banks operating in the Malaysian banking sector from 1995 to 2007. We then employ the panel regression analysis to examine the impact of origins on bank efficiency. We find foreign banks from North America to be the most efficient banking group, providing support to the ‘limited form’ of the global advantage hypothesis. On the other hand, we do not find evidence on both the liability of unfamiliarness and home field advantage hypotheses.

The status of bank lending to SMES in the Middle East and North Africa region : the results of a joint survey of the Union of Arab Bank and the World Bank

OpenAIRE

Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

2011-01-01

Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems than private banks. On another hand, credit guarantee schemes are a popular form of support to SME finan...

Factors Affecting the Financing of Profitability Using Non Performing Financing as Moderating Variable in Sharia Business Unit of Bank Sumut (Bank of North Sumatera in North Sumatera

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Rahmad Hidayat

2018-03-01

Full Text Available Shariah financing has also various kinds of agreement. Its fund has be distributed to low risky sector in order to produce the optimal income in the preparation of Bank Sumut UUS for spin off in 2018. The objective of the research was to analyze the influence of Third Party Fund and CAR on Financing and the influence of Third Party Fund, CAR and ROA as well as to test the significance of Non Performing Financing as the moderating varable on ROA. The sample of the research included 5 (five Branch Offices on Bank Sumut UUS by taking the annual final statements from 2010 until 2015. The instruments used were regression method of panel data, regression method of moderating and path analysis using EViews software. The Third Party Fund did not have any significant influence on ROA with financing as the intervening variable, and neither did CAR on ROA with financing as the moderating variable, had insignificant influence on ROA statistically. Moreover, the Third Party Fund, CAR and Financing had insignificant influence statistically at significant level 5% on ROA with Non Performing Financing as the moderating variable. The implication of this research was that Bank Sumut UUS had to pay attention to the financing risk to make optimal profit s well as micro an macro economic factors for financing provided for productivity an consumer.

Oscillations of the Outer Boundary of the Outer Radiation Belt During Sawtooth Oscillations

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Jae-Hun Kim

2006-09-01

Full Text Available We report three sawtooth oscillation events observed at geosynchronous orbit where we find quasi-periodic (every 2-3 hours sudden flux increases followed by slow flux decreases at the energy levels of ˜50-400 keV. For these three sawtooth events, we have examined variations of the outer boundary of the outer radiation belt. In order to determine L values of the outer boundary, we have used data of relativistic electron flux observed by the SAMPEX satellite. We find that the outer boundary of the outer radiation belt oscillates periodically being consistent with sawtooth oscillation phases. Specifically, the outer boundary of the outer radiation belt expands (namely, the boundary L value increases following the sawtooth particle flux enhancement of each tooth, and then contracts (namely, the boundary L value decreases while the sawtooth flux decreases gradually until the next flux enhancement. On the other hand, it is repeatedly seen that the asymmetry of the magnetic field intensity between dayside and nightside decreases (increases due to the dipolarization (the stretching on the nightside as the sawtooth flux increases (decreases. This implies that the periodic magnetic field variations during the sawtooth oscillations are likely responsible for the expansion-contraction oscillations of the outer boundary of the outer radiation belt.

A continental view of pine-associated ectomycorrhizal fungal spore banks: a quiescent functional guild with a strong biogeographic pattern.

Science.gov (United States)

Glassman, Sydney I; Peay, Kabir G; Talbot, Jennifer M; Smith, Dylan P; Chung, Judy A; Taylor, John W; Vilgalys, Rytas; Bruns, Thomas D

2015-03-01

Ecologists have long acknowledged the importance of seed banks; yet, despite the fact that many plants rely on mycorrhizal fungi for survival and growth, the structure of ectomycorrhizal (ECM) fungal spore banks remains poorly understood. The primary goal of this study was to assess the geographic structure in pine-associated ECM fungal spore banks across the North American continent. Soils were collected from 19 plots in forests across North America. Fresh soils were pyrosequenced for fungal internal transcribed spacer (ITS) amplicons. Adjacent soil cores were dried and bioassayed with pine seedlings, and colonized roots were pyrosequenced to detect resistant propagules of ECM fungi. The results showed that ECM spore banks correlated strongly with biogeographic location, but not with the identity of congeneric plant hosts. Minimal community overlap was found between resident ECM fungi vs those in spore banks, and spore bank assemblages were relatively simple and dominated by Rhizopogon, Wilcoxina, Cenococcum, Thelephora, Tuber, Laccaria and Suillus. Similar to plant seed banks, ECM fungal spore banks are, in general, depauperate, and represent a small and rare subset of the mature forest soil fungal community. Yet, they may be extremely important in fungal colonization after large-scale disturbances such as clear cuts and forest fires. © 2015 The Authors. New Phytologist © 2015 New Phytologist Trust.

Influence of margin segmentation and anomalous volcanism upon the break-up of the Hatton Bank rifted margin, west of the UK

Science.gov (United States)

Elliott, G. M.; Parson, L. M.

2007-12-01

The Hatton Bank margin, flanking the Iceland Basin is a widely cited example of a volcanic rifted margin. Prior to this study insights into the break-up history of the margin have been limited to profiles in the north and south, yet whilst valuable, the along margin tectono-magmatic variability has not been revealed. Over 5660 line km of high quality reflection seismic profiles with supplementary multibeam bathymetry were collected to support the UK's claim to Hatton region under the United Nations Convention on Law of the Sea (UNCLOS). Integration of this new data with existing profiles, allowed the margin to be divided into three segments, each of which are flanked by oceanic crust with a smooth upper surface and internal dipping reflectors. The southernmost segment is characterised by a series of inner and outer seaward dipping reflector (SDR) packages, which are separated by an outer high feature. The outer SDR are truncated by Endymion Spur, a chain of steep sided, late stage volcanic cones linked with necks. The central sector has no inner SDR package and is characterised by the presence of a highly intruded continental block, the Hatton Bank Block (HBB). The northern sector is adjacent to Lousy Bank, with a wider region of SDR recognised than to the south and a high amount of volcanic cones imaged. The variations in the distribution of the SDR's along the margin, the presence of the HBB and Endymion Spur all suggest that the break-up process was not uniform alongstrike. The division of the margin into three sectors reveals that structural segmentation played an important role in producing the variations along the margin. Break- up initiated in the south and progressed north producing the SDR packages witnessed, when the HBB was encountered the focus of break-up moved seaward of the block. The northern sector was closer to the Iceland Hotspot and hence a greater amount of volcanism is encountered. The smooth oceanic basement also indicates a high thermal flux

International Tax Evasion, State Purchases of Confidential Bank Data and Voluntary Disclosures

OpenAIRE

Bethmann, Dirk; Kvasnicka, Michael

2017-01-01

State purchases of bank data on suspected tax evaders from international tax havens constitute a potential tool to combat international tax evasion. Using self-compiled data for North-Rhine Westphalia on the timing and content of such data acquisitions from whistleblowers and on monthly voluntary disclosures of international tax evasion involving Swiss banks, we show that purchases of data by tax authorities on potential tax evaders have a positive and sizeable effect on voluntary disclosures.

Structure Prediction of Outer Membrane Protease Protein of Salmonella typhimurium Using Computational Techniques

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Rozina Tabassum

2016-03-01

Full Text Available Salmonella typhimurium, a facultative gram-negative intracellular pathogen belonging to family Enterobacteriaceae, is the most frequent cause of human gastroenteritis worldwide. PgtE gene product, outer membrane protease emerges important in the intracellular phases of salmonellosis. The pgtE gene product of S. typhimurium was predicted to be capable of proteolyzing T7 RNA polymerase and localize in the outer membrane of these gram negative bacteria. PgtE product of S. enterica and OmpT of E. coli, having high sequence similarity have been revealed to degrade macrophages, causing salmonellosis and other diseases. The three-dimensional structure of the protein was not available through Protein Data Bank (PDB creating lack of structural information about E protein. In our study, by performing Comparative model building, the three dimensional structure of outer membrane protease protein was generated using the backbone of the crystal structure of Pla of Yersinia pestis, retrieved from PDB, with MODELLER (9v8. Quality of the model was assessed by validation tool PROCHECK, web servers like ERRAT and ProSA are used to certify the reliability of the predicted model. This information might offer clues for better understanding of E protein and consequently for developmet of better therapeutic treatment against pathogenic role of this protein in salmonellosis and other diseases.

Repeated drought alters resistance of seed bank regeneration in baldcypress swamps of North America

Science.gov (United States)

Lei, Ting; Middleton, Beth A.

2018-01-01

Recurring drying and wetting events are likely to increase in frequency and intensity in predicted future droughts in the central USA and alter the regeneration potential of species. We explored the resistance of seed banks to successive droughts in 53 sites across the nine locations in baldcypress swamps in the southeastern USA. Along the Mississippi River Alluvial Valley and northern Gulf of Mexico, we investigated the capacity of seed banks to retain viable seeds after successive periods of drying and wetting in a greenhouse study. Mean differences in species richness and seed density were compared to examine the interactions of successive droughts, geographical location and water regime. The results showed that both species richness and total density of germinating seedlings decreased over repeated drought trials. These responses were more pronounced in geographical areas with higher annual mean temperature. In seed banks across the southeastern swamp region, most species were exhausted after Trial 2 or 3, except for semiaquatic species in Illinois and Tennessee, and aquatic species in Texas. Distinct geographical trends in seed bank resistance to drought demonstrate that climate-induced drying of baldcypress swamps could influence the regeneration of species differently across their ranges. Despite the health of adult individuals, lack of regeneration may push ecosystems into a relict status. Seed bank depletion by germination without replenishment may be a major conservation threat in a future with recurring droughts far less severe than megadrought. Nevertheless, the protection of moist refugia might aid conservation.

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

Directory of Open Access Journals (Sweden)

Miranda Petronella VLAD

2012-11-01

Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

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

Soil spore bank communities of ectomycorrhizal fungi in endangered Chinese Douglas-fir forests.

Science.gov (United States)

Wen, Zhugui; Shi, Liang; Tang, Yangze; Hong, Lizhou; Xue, Jiawang; Xing, Jincheng; Chen, Yahua; Nara, Kazuhide

2018-01-01

Chinese Douglas-fir (Pseudotsuga sinensis) is an endangered Pinaceae species found in several isolated regions of China. Although soil spore banks of ectomycorrhizal (ECM) fungi can play an important role in seedling establishment after disturbance, such as in the well-known North American relative (Pseudotsuga menziesii), we have no information about soil spore bank communities in relict forests of Chinese Douglas-fir. We conducted bioassays of 73 soil samples collected from three Chinese Douglas-fir forests, using North American Douglas-fir as bait seedlings, and identified 19 species of ECM fungi. The observed spore bank communities were significantly different from those found in ECM fungi on the roots of resident trees at the same sites (p = 0.02). The levels of potassium (K), nitrogen (N), organic matter, and the pH of soil were the dominant factors shaping spore bank community structure. A new Rhizopogon species was the most dominant species in the spore banks. Specifically, at a site on Sanqing Mountain, 22 of the 57 surviving bioassay seedlings (representing 21 of the 23 soil samples) were colonized by this species. ECM fungal richness significantly affected the growth of bioassay seedlings (R 2  = 0.20, p = 0.007). Growth was significantly improved in seedlings colonized by Rhizopogon or Meliniomyces species compared with uncolonized seedlings. Considering its specificity to Chinese Douglas-fir, predominance in the soil spore banks, and positive effect on host growth, this new Rhizopogon species could play critical roles in seedling establishment and forest regeneration of endangered Chinese Douglas-fir.

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

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

2017-01-01

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

Complexities in barrier island response to sea level rise: Insights from numerical model experiments, North Carolina Outer Banks

Science.gov (United States)

Moore, Laura J.; List, Jeffrey H.; Williams, S. Jeffress; Stolper, David

2010-09-01

Using a morphological-behavior model to conduct sensitivity experiments, we investigate the sea level rise response of a complex coastal environment to changes in a variety of factors. Experiments reveal that substrate composition, followed in rank order by substrate slope, sea level rise rate, and sediment supply rate, are the most important factors in determining barrier island response to sea level rise. We find that geomorphic threshold crossing, defined as a change in state (e.g., from landward migrating to drowning) that is irreversible over decadal to millennial time scales, is most likely to occur in muddy coastal systems where the combination of substrate composition, depth-dependent limitations on shoreface response rates, and substrate erodibility may prevent sand from being liberated rapidly enough, or in sufficient quantity, to maintain a subaerial barrier. Analyses indicate that factors affecting sediment availability such as low substrate sand proportions and high sediment loss rates cause a barrier to migrate landward along a trajectory having a lower slope than average barrier island slope, thereby defining an "effective" barrier island slope. Other factors being equal, such barriers will tend to be smaller and associated with a more deeply incised shoreface, thereby requiring less migration per sea level rise increment to liberate sufficient sand to maintain subaerial exposure than larger, less incised barriers. As a result, the evolution of larger/less incised barriers is more likely to be limited by shoreface erosion rates or substrate erodibility making them more prone to disintegration related to increasing sea level rise rates than smaller/more incised barriers. Thus, the small/deeply incised North Carolina barriers are likely to persist in the near term (although their long-term fate is less certain because of the low substrate slopes that will soon be encountered). In aggregate, results point to the importance of system history (e

Complexities in barrier island response to sea level rise: Insights from numerical model experiments, North Carolina Outer Banks

Science.gov (United States)

Moore, Laura J.; List, Jeffrey H.; Williams, S. Jeffress; Stolper, David

2010-01-01

Using a morphological-behavior model to conduct sensitivity experiments, we investigate the sea level rise response of a complex coastal environment to changes in a variety of factors. Experiments reveal that substrate composition, followed in rank order by substrate slope, sea level rise rate, and sediment supply rate, are the most important factors in determining barrier island response to sea level rise. We find that geomorphic threshold crossing, defined as a change in state (e.g., from landward migrating to drowning) that is irreversible over decadal to millennial time scales, is most likely to occur in muddy coastal systems where the combination of substrate composition, depth-dependent limitations on shoreface response rates, and substrate erodibility may prevent sand from being liberated rapidly enough, or in sufficient quantity, to maintain a subaerial barrier. Analyses indicate that factors affecting sediment availability such as low substrate sand proportions and high sediment loss rates cause a barrier to migrate landward along a trajectory having a lower slope than average barrier island slope, thereby defining an “effective” barrier island slope. Other factors being equal, such barriers will tend to be smaller and associated with a more deeply incised shoreface, thereby requiring less migration per sea level rise increment to liberate sufficient sand to maintain subaerial exposure than larger, less incised barriers. As a result, the evolution of larger/less incised barriers is more likely to be limited by shoreface erosion rates or substrate erodibility making them more prone to disintegration related to increasing sea level rise rates than smaller/more incised barriers. Thus, the small/deeply incised North Carolina barriers are likely to persist in the near term (although their long-term fate is less certain because of the low substrate slopes that will soon be encountered). In aggregate, results point to the importance of system history (e

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

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

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

The Status of Bank Lending to SMEs in the Middle East and North Africa Region : Results of a Joint Survey of the Union of Arab Bank and the World Bank

OpenAIRE

Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

2011-01-01

Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems...

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

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

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

The Development of improved willow clones for eastern North America

Science.gov (United States)

R. F. Kopp; L. B. Smart; C. A. Maynard; J. G. Isebrands; G. A. Tuskan; L. P. Abrahamson

2001-01-01

Efforts aimed at genetic improvement of Salix are increasing in North America.Most of these are directed towards developing improved clones for biomass production, phytoremediation, nutrient filters, and stream bank stabilization in the Northeast and North-central United States. Native species are of primary interest, but a small number of clones containing non-native...

Transfusion transmitted malaria in three major blood banks of ...

African Journals Online (AJOL)

This study estimates the risk of acquiring malaria from a single unit of blood in North of Pakistan. A prospective study was conducted to investigate transfusion transmitted malaria in three major blood banks of Peshawar, Pakistan. A total of 1558 (1534 males and 24 females) healthy volunteer blood donors were screened for ...

Magnet Design and Analysis of a 40 Tesla Long Pulse System Energized by a Battery Bank

Science.gov (United States)

Lv, Y. L.; Peng, T.; Wang, G. B.; Ding, T. H.; Han, X. T.; Pan, Y.; Li, L.

2013-03-01

A 40 tesla long pulse magnet and a battery bank as the power supply have been designed. This is now under construction at the Wuhan National High Magnetic Field Center. The 22 mm bore magnet will generate smooth pulses with duration 1 s and rise time 0.5 s. The battery bank consists of 945 12V/200 Ah lead-acid battery cells. The magnet and battery bank were optimized by codes developed in-house and by ANSYS. The coil was made from soft copper with internal reinforcement by fiber-epoxy composite; it is divided into two sections connected in series. The inner section consists of helix coils with each layer reinforced by Zylon composite. The outer section will be wound from copper sheet and externally reinforced by carbon fiber composite.

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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Yuliya Onyshchenko

2015-11-01

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

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

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

The role of multigelation in the development of river banks

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Karol AUGUSTOWSKI

2013-03-01

Full Text Available The development of river banks is conditioned by a few factors: fluvial erosion, mass movements and subaerial processes. Many researchers believe that the subaerial phenomena are more preparatory processes to actual erosion than the erosion itself. Among the subaerial phenomena, freezing and thawing play a key role. Multigelation affects the stability and sustainability of river banks, not only in the northern reaches of Eurasia andNorth Americabut also in temperate latitudes. Susceptibility to change in bank morphology, however, is extremely selective. Within the same layer, at a distance of 1 metre the intensity of frost erosion can be very different. This is the result of many factors determining the rate of bank retreat. These include: the height of the bank, its structure and texture, physical and chemical properties of the material from which it is built, environmental conditions, soil moisture, water pressure in the pore spaces, porosity and density of the soil, organic matter content in the soil, temperature, vegetation, as well as thickness and duriation of snow cover. An important objective is therefore to show the differences in the rate of retreat of the river banks, and above all characterized by varying degrees of density and grain size of the material it is build of. 

Armorloricus kristenseni (Nanaloricidae, Loricifera), a new species from the Faroe Bank (North Atlantic)

Science.gov (United States)

Heiner, Iben

2004-10-01

The year 2003 was the 20th anniversary of the description of the phylum Loricifera and of the type species Nanaloricus mysticus Kristensen, 1983, from Roscoff, France. To honour this occasion, a loriciferan of the newly described genus Armorloricus, from Roscoff, will be named after the discoverer of the phylum Loricifera, Professor Reinhardt Møbjerg Kristensen. This new species, Armorloricus kristenseni sp. nov., was found during two cruises to the Faroe Bank in the North Atlantic, in 1992 and 2001. The specimens were collected at three different stations (one in 1992 and two in 2001) all situated on the plateau itself at a depth of approximately 150 m. The adults are characterized by their elongated shape, the large lateral lorica plates, the very long, feather-like scalids in the third row, the long claspers in the male, and the wheel-like structure of the subcuticle glands inside the lorica plates on the ventral side. The Higgins-larvae are characterized by their long middorsal scalid with a hexagonal base and the small hook-shaped midventral pair of scalids in row 4. Furthermore, the long, paired, serrated scalids in row 6 and the asymmetrical basal plate with numerous teeth in row 7 are also unique characters. For an easier between-family comparison of the different scalids and rows on the introvert, the second row in the adults of Nanaloricidae has been split up into two rows, so that all adult loriciferans posses a total of nine rows on the introvert.

A survey on relationship between customer satisfaction and electronic banking features: A case study of Tejarat bank in Iran

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Hasan darvish

2013-02-01

Full Text Available Customer satisfaction plays an important role on the success of banking industry. A customer may switch his/her primary banking from one to another as soon as he/she is unsatisfied from the quality of services. In this paper, we study the impact of six factors on electronic banking including easy access, design, transaction speed, security, information content and customer support on customer satisfaction. The proposed study was performed in different branches located in north east of city of Tehran, Iran named Tejarat. The study selected a sample of 200 customers, designed, and distributed a questionnaire among them. The results of our survey have indicated that all six components significantly influenced on customer satisfaction. We have also investigated a linear regression between the six independent variables and customer satisfaction and using stepwise linear regression technique the most suitable regression model. The results of regression analysis have also indicated that an increase of one unit in easy access, information content and customer support will increase customer satisfaction by 0.201, 0.368 and 0.356, respectively.

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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Rahmatina A. Kasri

2017-08-01

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

Outer magnetosphere

International Nuclear Information System (INIS)

Schardt, A.W.; Behannon, K.W.; Lepping, R.P.; Carbary, J.F.; Eviatar, A.; Siscoe, G.L.

1984-01-01

Similarities between the Saturnian and terrestrial outer magnetosphere are examined. Saturn, like earth, has a fully developed magnetic tail, 80 to 100 RS in diameter. One major difference between the two outer magnetospheres is the hydrogen and nitrogen torus produced by Titan. This plasma is, in general, convected in the corotation direction at nearly the rigid corotation speed. Energies of magnetospheric particles extend to above 500 keV. In contrast, interplanetary protons and ions above 2 MeV have free access to the outer magnetosphere to distances well below the Stormer cutoff. This access presumably occurs through the magnetotail. In addition to the H+, H2+, and H3+ ions primarily of local origin, energetic He, C, N, and O ions are found with solar composition. Their flux can be substantially enhanced over that of interplanetary ions at energies of 0.2 to 0.4 MeV/nuc

EPA's Role with the North American Development Bank (NADB)

Science.gov (United States)

Following the 1993 signature of the North American Free Trade Agreement (NAFTA), two binational institutions were created to improve the environmental conditions of the U.S.-Mexico border region and enhance the well-being of residents.

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

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

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

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Anthony Lukmawijaya

2015-05-01

Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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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

Characteristics of the first human milk bank in Taiwan.

Science.gov (United States)

Chang, Fang-Yuan; Cheng, Shao-Wen; Wu, Tsung-Zu; Fang, Li-Jung

2013-02-01

The benefits of feeding human milk to infants, even in prematurity, have been well documented. Well-organized donor milk processing has made the milk bank a good source of nutrition for premature or sick infants if their own mother's milk is not sufficient or suitable. The Taipei City Hospital Milk Bank was established in 2005 and is the first nonprofit human milk bank to operate in Taiwan. The milk bank has adopted standards of practice laid down by the Human Milk Banking Association of North America and United Kingdom Association for Milk Banking. The clinical characteristics of the eligible milk donors, the recipients, and the donor milk were reviewed retrospectively. In the past 6 years, 816 eligible donors donated a total or 13,900 L (mean 17.03 L/donor) of breast milk. The mean age of these donors was 31.3 years, and 79.7% of them had college education. Most had term delivery (91.2%), with mean birth weight of their babies being 3120 g; 68.9% of the donors were primiparas. A total of 551 infants had received bank milk, with these indications: prematurity (65.4%), malabsorption (7.6%), feeding intolerance (7.2%), maternal illness (5.1%) and post-surgery (4.6%). The pass rate of raw donor milk was around 72.1%. The most common reasons to discard raw milk were Gram-negative rods contamination (72.8%) and ≥10 colony-forming units/mL of coagulase-negative Staphylococcus (62.3%). Only 0.63% of donor milk post pasteurization showed bacterial growth. Proper management and operation of a human milk bank can support breastfeeding, and provide a safe alternative to artificial formula for feeding preterm or ill infants in Taiwan. Sustainability of the milk bank needs more propagation and financial support by health authorities. Copyright © 2012. Published by Elsevier B.V.

Internet Banking integration within the banking system

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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.

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

African Journals Online (AJOL)

Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

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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.

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

Science.gov (United States)

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

2018-02-01

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

Role of Foreign Banks in Integration of Banking Industry

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Roman Šubić

2009-12-01

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

Turbine airfoil with outer wall thickness indicators

Science.gov (United States)

Marra, John J; James, Allister W; Merrill, Gary B

2013-08-06

A turbine airfoil usable in a turbine engine and including a depth indicator for determining outer wall blade thickness. The airfoil may include an outer wall having a plurality of grooves in the outer surface of the outer wall. The grooves may have a depth that represents a desired outer surface and wall thickness of the outer wall. The material forming an outer surface of the outer wall may be removed to be flush with an innermost point in each groove, thereby reducing the wall thickness and increasing efficiency. The plurality of grooves may be positioned in a radially outer region of the airfoil proximate to the tip.

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

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

Is banking supervision central to central banking?

OpenAIRE

Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

1997-01-01

Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

Turbine airfoil with a compliant outer wall

Science.gov (United States)

Campbell, Christian X [Oviedo, FL; Morrison, Jay A [Oviedo, FL

2012-04-03

A turbine airfoil usable in a turbine engine with a cooling system and a compliant dual wall configuration configured to enable thermal expansion between inner and outer layers while eliminating stress formation in the outer layer is disclosed. The compliant dual wall configuration may be formed a dual wall formed from inner and outer layers separated by a support structure. The outer layer may be a compliant layer configured such that the outer layer may thermally expand and thereby reduce the stress within the outer layer. The outer layer may be formed from a nonplanar surface configured to thermally expand. In another embodiment, the outer layer may be planar and include a plurality of slots enabling unrestricted thermal expansion in a direction aligned with the outer layer.

Regional Banks in the Russian Banking System

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Mikhail Vitalyevich Leonov

2015-06-01

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

Factors influencing bank geomorphology and erosion of the Haw River, a high order river in North Carolina, since European settlement.

Science.gov (United States)

Macfall, Janet; Robinette, Paul; Welch, David

2014-01-01

The Haw River, a high order river in the southeastern United States, is characterized by severe bank erosion and geomorphic change from historical conditions of clear waters and connected floodplains. In 2014 it was named one of the 10 most threatened rivers in the United States by American Rivers. Like many developed areas, the region has a history of disturbance including extensive upland soil loss from agriculture, dams, and upstream urbanization. The primary objective of this study was to identify the mechanisms controlling channel form and erosion of the Haw River. Field measurements including bank height, bankfull height, bank angle, root depth and density, riparian land cover and slope, surface protection, river width, and bank retreat were collected at 87 sites along 43.5 km of river. A Bank Erosion Hazard Index (BEHI) was calculated for each study site. Mean bank height was 11.8 m, mean width was 84.3 m, and bank retreat for 2005/2007-2011/2013 was 2.3 m. The greatest bank heights, BEHI values, and bank retreat were adjacent to riparian areas with low slope (<2). This is in contrast to previous studies which identify high slope as a risk factor for erosion. Most of the soils in low slope riparian areas were alluvial, suggesting sediment deposition from upland row crop agriculture and/or flooding. Bank retreat was not correlated to bank heights or BEHI values. Historical dams (1.2-3 m height) were not a significant factor. Erosion of the Haw River in the study section of the river (25% of the river length) contributed 205,320 m3 of sediment and 3759 kg of P annually. Concentration of suspended solids in the river increased with discharge. In conclusion, the Haw River is an unstable system, with river bank erosion and geomodification potential influenced by riparian slope and varied flows.

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

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

The Outer Space Treaty

Science.gov (United States)

Johnson, Christopher Daniel

2018-01-01

Negotiated at the United Nations and in force since 1967, the Outer Space Treaty has been ratified by over 100 countries and is the most important and foundational source of space law. The treaty, whose full title is "Treaty on Principles Governing the Activities of States in the Exploration and Use of Outer Space, Including the Moon and Other Celestial Bodies," governs all of humankind's activities in outer space, including activities on other celestial bodies and many activities on Earth related to outer space. All space exploration and human spaceflight, planetary sciences, and commercial uses of space—such as the global telecommunications industry and the use of space technologies such as position, navigation, and timing (PNT), take place against the backdrop of the general regulatory framework established in the Outer Space Treaty. A treaty is an international legal instrument which balances rights and obligations between states, and exists as a kind of mutual contract of shared understandings, rights, and responsibilities between them. Negotiated and drafted during the Cold War era of heightened political tensions, the Outer Space Treaty is largely the product of efforts by the United States and the USSR to agree on certain minimum standards and obligations to govern their competition in "conquering" space. Additionally, the Outer Space Treaty is similar to other treaties, including treaties governing the high seas, international airspace, and the Antarctic, all of which govern the behavior of states outside of their national borders. The treaty is brief in nature and only contains 17 articles, and is not comprehensive in addressing and regulating every possible scenario. The negotiating states knew that the Outer Space Treaty could only establish certain foundational concepts such as freedom of access, state responsibility and liability, non-weaponization of space, the treatment of astronauts in distress, and the prohibition of non-appropriation of

FRACTIONAL BANKING

OpenAIRE

Maria Klimikova

2010-01-01

Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

The world Bank's support for concentrated solar power stations

International Nuclear Information System (INIS)

Pariente-David, S.; Walters, J.; Govindarajalu, Ch.; Coma Cunill, R.

2009-01-01

The Clean Technology Fund (CTF) was set up in 2008 to provide funding, especially subsidies, on an industrial scale for projects that experiment with, deploy or transfer low-carbon technology, which can potentially reduce greenhouse gas emissions significantly in the long run. The CTF helps multilateral development banks providing the funds needed, and giving a boost to experiments with low-carbon techniques, while waiting for the conclusion of the negotiations conducted by the United Nations on climate change. The World Bank manages this temporary fund. The article presents the use of CTF as a catalyzer to lower costs, to create a viable market and to attract important financing for the development of concentrating solar plants in Middle East and North-Africa countries

Geophysical survey of the Eggvin Bank and Logi Ridge - Greenland Sea

Science.gov (United States)

Breivik, A. J.; Mjelde, R.; Rai, A. K.; Frassetto, A.

2012-12-01

The northern Greenland Sea has a number of features associated with excess volcanism. These include the Jan Mayen island, the Jan Mayen Plateau north of, and the Eggvin Bank west of Jan Mayen, and the Vesteris Seamount far to the north. In the summer of 2011, we colleced an Ocean Bottom Seismometer (OBS) profile across the Eggvin Bank, returning four good data sets. We also collected single-channel reflection seismic (SCS) data along the OBS line. The profile crosses the transform part of the West Jan Mayen Fracture Zone (WJMFZ), which connects seafloor spreading between the Kolbeinsey and Mohn ridges. Between the WJMFZ and the Vesteris Seamount there is a narrow ridge 170-180 km long, ending in a few seamounts in the east. It disturbs the magnetic seafloor anomalies, and has no conjugate on the Norwegian margin. It thus appears to be younger than the Eocene seafloor it lies on. Trend and position points to Traill Ø in East Greenland, which had magmatism at ~36 Ma. We name it the Logi Ridge after Norse mythology, where Logi is the master of fire, brother of Aegir, master of the sea. We have collected five SCS profiles across this ridge in order to study the surrounding sedimentation pattern. We also collected gravity and magnetic data along all profiles. Initial results show two flat-topped seamounts on the Eggvin Bank, and a flat-topped Logi Ridge, indicating that these have been at sealevel. The sedimentary strata show recent vertical movement north of the WJMFZ near the Jan Mayen Plateau, and compression around the Logi Ridge. Sailing line of R/V Håkon Mosby of Bergen. Survey lines are in bold, and OBS positions are marked by circles.

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

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

Science.gov (United States)

2010-04-21

... Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

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

African Journals Online (AJOL)

This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

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

Science.gov (United States)

2010-01-01

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

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

The Seabed and Shallow Geology Mapping of the Porcupine Bank, West of Ireland

Science.gov (United States)

Thébaudeau, B.; Monteys, X.; McCarron, S. G.

2016-02-01

The "Porcupine Bank" is a bathymetric high of over 40,000 km2 linked to the western shelf of Ireland which lies between 51-54° N and 11-15° W approximately 100 km west of Ireland. Water depths are as shallow as 145 m over the "Porcupine Ridge". The Bank's location on the north eastern fringe of the Atlantic Ocean, in a critical position between the shelf edge and the main land and along the line of the Polar Front, means it may contain significant indications of glacial/interglacial changes in northern hemisphere climate and in North Atlantic Ocean circulation. But it also means that it consists of strategically important marine environments with very likely future developmental pressures. Peer-reviewed publications on the geology of the Bank are very limited and this current state of knowledge will hamper any marine ecosystem research and protection. This paper will describe the first results of a research project aiming at filling the gap of our understanding of the region's shallow geology and subseabed resources and characteristics. As a first step, seabed geomorphology mapping using high resolution MBES and sub bottom data have highlighted a wealth of glacially derived features such as iceberg scours and elongated ridges whose formation could be directly influenced by the presence of ice on or nearby the bank. Other features interpreted as sand waves could help understand relict or modern currents. In addition to these surface features, this paper introduces recent geological mapping of the shallow stratigraphy of the bank using 2D seismic and sub bottom profiler data collected at a high density correlated with recently collected vibro-cores. The seismic units and corresponding lithofacies (some with radiocarbon dates) are consistently described and a regional correlation built.

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

CUSTOMERS’ PERCEPTIONS OF SERVICE QUALITY DIMENSIONS IN THE INDONESIAN BANKING INDUSTRY: AN EMPIRICAL STUDY

Directory of Open Access Journals (Sweden)

Ananda Sabil Hussein

2015-01-01

Full Text Available This study aims to investigate the dimensions of hierarchical service quality in the area of the banking sector as well as to determine its relationships with other constructs, namely corpo-rate image and customer loyalty. One hundred and eleven respondents participated in this study. Partial Least Squares were employed to analyse the data. The inner and outer model evaluations showed that the proposed model was robust. This study found that the interaction quality, outcome quality and physical quality were the dimensions of service quality which were formed in the hierarchical model. In addition, this study indicated that service quality was a robust determinant of corporate image and customer loyalty in the banking sector. Similar to service quality, corporate image was also found to be an essential predictor of customer loyalty as well as the mediator between service quality and customer loyalty. To enhance the under-standing of service quality in the banking sector, further studies might add additional constructs such as brand engagement, perceived value, and customer experience.

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

OpenAIRE

Thomas F. Cargill

2006-01-01

This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

Saturn's outer magnetosphere

Science.gov (United States)

Schardt, A. W.; Behannon, K. W.; Carbary, J. F.; Eviatar, A.; Lepping, R. P.; Siscoe, G. L.

1983-01-01

Similarities between the Saturnian and terrestrial outer magnetosphere are examined. Saturn, like Earth, has a fully developed magnetic tail, 80 to 100 RS in diameter. One major difference between the two outer magnetospheres is the hydrogen and nitrogen torus produced by Titan. This plasma is, in general, convected in the corotation direction at nearly the rigid corotation speed. Energies of magnetospheric particles extend to above 500 keV. In contrast, interplanetary protons and ions above 2 MeV have free access to the outer magnetosphere to distances well below the Stormer cutoff. This access presumably occurs through the magnetotail. In addition to the H+, H2+, and H3+ ions primarily of local origin, energetic He, C, N, and O ions are found with solar composition. Their flux can be substantially enhanced over that of interplanetary ions at energies of 0.2 to 0.4 MeV/nuc.

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

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

What is the pollution status of North Sea sediments?

International Nuclear Information System (INIS)

Chapman, P.M.; Heip, C.; Cofino, W.

1993-01-01

A March 1990 international sea-going workshop in Bremerhaven, Germany provided the opportunity to conduct detailed sediment toxicity testing in concert with studies of fish histopathology, bioaccumulation, benthic community structure, and sediment chemical contamination in the North Sea. Two gradients of sediment chemical contamination were tested, one from an abandoned oil platform and the other from the mouth of the Elbe River northward to the Dogger Bank. Using a preponderance of evidence approach, it was determined that sediments nearest the Elbe are moderately polluted (pollution is defined as contamination, toxicity, and community alteration) and that sediments offshore and at the Dogger Bank are unpolluted. Sediments nearest the oil platform showed evidence for a low level of pollution, but there was no evidence of pollution 125 m from the platform. The results suggest the testable hypothesis that North Sea sediments away from point sources of pollution such as coastal areas and drilling platforms are presently not polluted. 46 refs., 2 figs., 6 tabs

Outer Synchronization of Complex Networks by Impulse

International Nuclear Information System (INIS)

Sun Wen; Yan Zizong; Chen Shihua; Lü Jinhu

2011-01-01

This paper investigates outer synchronization of complex networks, especially, outer complete synchronization and outer anti-synchronization between the driving network and the response network. Employing the impulsive control method which is uncontinuous, simple, efficient, low-cost and easy to implement in practical applications, we obtain some sufficient conditions of outer complete synchronization and outer anti-synchronization between two complex networks. Numerical simulations demonstrate the effectiveness of the proposed impulsive control scheme. (general)

Acceptability of a future phantoms bank for quality control in nuclear medicine

International Nuclear Information System (INIS)

Ferreira, Fernanda Carla Lima; Souza, Divanizia do Nascimento

2011-01-01

Objective: The present study was aimed at determining the acceptability of a national or regional phantoms bank to be deployed in Brazil for shared use in quality control activities by nuclear medicine centers. Materials and Methods: The authors analyzed the answers to a questionnaire applied to medical physicists and radioprotection supervisors in Brazilian nuclear medicine centers. Initially, the questionnaire was validated by professionals in the city of Aracaju, SE, which is located in the Northeast region. The present study sample was geographically distributed as follows: the Northeast region, with answers from 13 professionals of nuclear medicine centers; the North region, with 2 professionals; the South region, with 7 professionals; the Southeast region, with 43 professionals; and the Midwest region, with 2 professionals. Results: According to the data analyzed, 82% of the respondents consider that the implementation of a phantoms bank would be a suitable alternative for improving nuclear medicine quality control. The interest in sharing the bank was reported by 87% of the respondents. Conclusion: The present study demonstrated the motivation for a shared use of a future phantoms bank. (author)

Acceptability of a future phantoms bank for quality control in nuclear medicine

Energy Technology Data Exchange (ETDEWEB)

Ferreira, Fernanda Carla Lima; Souza, Divanizia do Nascimento, E-mail: fernacarlaluan@gmail.co [Universidade Federal de Sergipe (UFS), Sao Cristovao, SE (Brazil). Program of Post-Graduation in Physics

2011-03-15

Objective: The present study was aimed at determining the acceptability of a national or regional phantoms bank to be deployed in Brazil for shared use in quality control activities by nuclear medicine centers. Materials and Methods: The authors analyzed the answers to a questionnaire applied to medical physicists and radioprotection supervisors in Brazilian nuclear medicine centers. Initially, the questionnaire was validated by professionals in the city of Aracaju, SE, which is located in the Northeast region. The present study sample was geographically distributed as follows: the Northeast region, with answers from 13 professionals of nuclear medicine centers; the North region, with 2 professionals; the South region, with 7 professionals; the Southeast region, with 43 professionals; and the Midwest region, with 2 professionals. Results: According to the data analyzed, 82% of the respondents consider that the implementation of a phantoms bank would be a suitable alternative for improving nuclear medicine quality control. The interest in sharing the bank was reported by 87% of the respondents. Conclusion: The present study demonstrated the motivation for a shared use of a future phantoms bank. (author)

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

Science.gov (United States)

2011-09-26

... control of Bank of Odessa, both in Odessa, Missouri, Commercial Bank of Oak Grove, Oak Grove, Missouri... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

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

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

Outer Continental Shelf Lands Act

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — This data represents geographic terms used within the Outer Continental Shelf Lands Act (OCSLA or Act). The Act defines the United States outer continental shelf...

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

Carbonate Production by Benthic Communities on Shallow Coralgal Reefs of Abrolhos Bank, Brazil.

Science.gov (United States)

Reis, Vanessa Moura Dos; Karez, Cláudia Santiago; Mariath, Rodrigo; de Moraes, Fernando Coreixas; de Carvalho, Rodrigo Tomazetto; Brasileiro, Poliana Silva; Bahia, Ricardo da Gama; Lotufo, Tito Monteiro da Cruz; Ramalho, Laís Vieira; de Moura, Rodrigo Leão; Francini-Filho, Ronaldo Bastos; Pereira-Filho, Guilherme Henrique; Thompson, Fabiano Lopes; Bastos, Alex Cardoso; Salgado, Leonardo Tavares; Amado-Filho, Gilberto Menezes

2016-01-01

The abundance of reef builders, non-builders and the calcium carbonate produced by communities established in Calcification Accretion Units (CAUs) were determined in three Abrolhos Bank shallow reefs during the period from 2012 to 2014. In addition, the seawater temperature, the irradiance, and the amount and composition of the sediments were determined. The inner and outer reef arcs were compared. CAUs located on the inner reef shelf were under the influence of terrigenous sediments. On the outer reefs, the sediments were composed primarily of marine biogenic carbonates. The mean carbonate production in shallow reefs of Abrolhos was 579 ± 98 g m-2 y-1. The builder community was dominated by crustose coralline algae, while the non-builder community was dominated by turf. A marine heat wave was detected during the summer of 2013-2014, and the number of consecutive days with a temperature above or below the summer mean was positively correlated with the turf cover increase. The mean carbonate production of the shallow reefs of Abrolhos Bank was greater than the estimated carbonate production measured for artificial structures on several other shallow reefs of the world. The calcimass was higher than the non-calcareous mass, suggesting that the Abrolhos reefs are still in a positive carbonate production balance. Given that marine heat waves produce an increase of turf cover on the shallow reefs of the Abrolhos, a decrease in the cover represented by reef builders and shifting carbonate production are expected in the near future.

27 CFR 9.207 - Outer Coastal Plain.

Science.gov (United States)

2010-04-01

... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Outer Coastal Plain. 9.207... Outer Coastal Plain. (a) Name. The name of the viticultural area described in this section is “Outer Coastal Plain”. For purposes of part 4 of this chapter, “Outer Coastal Plain” is a term of viticultural...

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

Statistical Modelling of Fishing Activities in the North Atlantic

NARCIS (Netherlands)

Fernández, C.; Ley, E.; Steel, M.F.J.

1997-01-01

This paper deals with the issue of modeling daily catches of fishing boats in the Grand Bank fishing grounds. We have data on catches per species for a number of vessels collected by the European Union in the context of the North Atlantic Fisheries Organization. Many variables can be thought to

Tensile deformation and failure of North American porcupine quills

Energy Technology Data Exchange (ETDEWEB)

Chou, S.F.; Overfelt, R.A., E-mail: overfra@auburn.edu

2011-12-01

Although the mechanical properties of some keratin-based biological materials have been extensively studied (i.e., wool) and others are beginning to be studied (e.g., horn, hooves and avian quills), data on the properties of porcupine quill are less common. Porcupine quill is a keratin-based biological material composed of a cylindrical outer shell with an inner foam core. The present paper reports on the physical characteristics, tensile properties and fracture behavior of North American porcupine quills conditioned at relative humidities of 65% and 100%. Increasing the water content decreased the tensile stiffness and strength and increased the strain at fracture of the porcupine quills. The tensile fracture strength of porcupine quill was found to be 146 MPa at 65% RH and 60 MPa at 100% RH. Although these values compare favorably with reported values for African porcupine quill, reported values of the tensile strengths of wool with similar moisture contents are considerably higher. The initial moduli of porcupine quill (2700 MPa at 65% RH and 1000 MPa at 100% RH) compare favorably to those reported for wool but are considerably less than previous reports for African porcupine quill. The engineering strains at fracture were measured as 25% at 65% RH and 49% at 100% RH and these values are also comparable to other keratin-based mammalian materials. Scanning electron microscopy of the fracture surfaces of porcupine quills revealed that the cylindrical outer shells of quills are composed of 2-3 layers with distinctly different fracture characteristics, especially when the samples contain 100% RH. The outer layer of the porcupine quill shell appears to resist the plasticizing effects of moisture and appears to exhibit considerably less ductility than the inner layers, perhaps due to the presence of hydrophobic lipids in the outer layer. Highlights: {yields} We characterize the tensile properties of north American porcupine quill. {yields} Elastic modulus, tensile

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

Measuring and Understanding the Energy Use Signatures of a Bank Building

Energy Technology Data Exchange (ETDEWEB)

Xie, YuLong; Liu, Bing; Athalye, Rahul A.; Baechler, Michael C.; Sullivan, Greg

2012-08-12

The Pacific Northwest National Laboratory measured and analyzed the energy end-use patterns in a bank building located in the north-eastern United States. This work was performed in collaboration with PNC Financial Service Group under the US DOE’s Commercial Building Partnerships Program. This paper presents the metering study and the results of the metered data analysis. It provides a benchmark for the energy use of different bank-related equipments. The paper also reveals the importance of metering in fully understanding building loads and indentifying opportunities for energy efficiency improvements that will have impacts across PNC’s portfolio of buildings and were crucial to reducing receptacle loads in the design of a net-zero bank branches. PNNL worked with PNC to meter a 4,000 ft2 bank branch in the state of Pennsylvania. 71 electrical circuits were monitored and 25 stand-alone watt-hour meters were installed at the bank. These meters monitored the consumption of all interior and exterior lighting, receptacle loads, service water heating, and the HVAC rooftop unit at a 5-minute sampling interval from November 2009 to November 2010. A total of over 8 million data records were generated, which were then analyzed to produce the end-use patterns, daily usage profiles, rooftop unit usage cycles, and inputs for calibrating the energy model of the building.

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

Dissolved inorganic carbon, pH, alkalinity, temperature, salinity and other variables collected from discrete sample and profile observations using Alkalinity titrator, CTD and other instruments from NOAA Ship GORDON GUNTER in the North Atlantic Ocean and Stellwagen Bank National Marine Sanctuary from 2013-06-09 to 2013-11-25 (NCEI Accession 0144340)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — NCEI Accession 0144340 includes discrete sample and profile data collected from NOAA Ship GORDON GUNTER in the North Atlantic Ocean and Stellwagen Bank National...

31 CFR 500.563 - Transactions incident to travel to and within North Korea.

Science.gov (United States)

2010-07-01

... of goods in North Korea for personal use, and normal banking transactions involving currency drafts... used only once in every six consecutive months. As provided in § 500.206 of this part, information and...

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

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

International Nuclear Information System (INIS)

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

1993-01-01

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

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

Interferometer observations of quasars from the Jodrell Bank 966-MHz survey

International Nuclear Information System (INIS)

Owen, F.N.; Porcas, R.W.; Neff, S.G.

1978-01-01

Radio observations are reported of the 68 quasars with blue magnitudes < or =19.0 identified in the Jodrell Bank 966-MHz survey. The observations were made with the Green Bank interferometer at 2695 MHz with baselines ranging from 300 m to 35 km. Model brightness distributions are presented consisting of one to four elliptical Gaussian components. A limiting resolution of 0.1 arcsec was obtained in the best cases. For radio sources with steep spectra, angular sizes ranged from <0.2 to 85 arcsec. Only two of the sources with steep radio spectra were unresolved. The median angular size for the entire sample is 8 arcsec. For quasars larger than 10 arcsec, the structures can almost always be described in triple. Twenty-nine of the 30 such sources have outer lobes on either side of the optical source and 24 of the 30 have detectable central components. The ratio of the flux densities of the outer lobes varies over a wide range but has a median value of 1.8. The ratio of the flux density of the central component to the total flux density at 2695 MHz ranges from 1% to 95%, with a median value near 10%. The existence of triple structure in the vast majority of quasars, along the with failure to detect central components in blank field sources, suggests a close connection between the nuclear activity in the radio and optical regions of the spectrum. It is also consistent with a picture in which the difference between blank fields and quasars is just transient activity in the nucleus of a distant parent galaxy

CHARACTERIZATION OF WESTERN NORTH ATLANTIC RIGHT WHALE SPRING FEEDING HABITAT

Science.gov (United States)

The Great South Channel region of the southwestern Gulf of Maine, between George's Bank and Cape Cod, is the primary spring feeding ground for the western North Atlantic population of the I northern right whale, E. glacialis .Since this whale is so endangered, it is critical to i...

Outer grid strap protruding spring repair apparatus

International Nuclear Information System (INIS)

Widener, W.H.

1987-01-01

This patent describes a nuclear fuel assembly grid spring repair apparatus for repairing a spring formed on an outer strap of a fuel assembly grid and having a portion protruding outwardly beyond the strap, the apparatus comprising: (a) a support frame defining an opening and having means defining a guide channel extending along the opening in a first direction; (b) means mounted on the frame and being adjustable for attaching the frame to the outer strap of the support grid so that the frame opening is aligned with the outwardly protruding spring on the outer strap; (c) an outer slide having a passageway defined therethrough and being mounted in the guide channel for reciprocable movement along the frame opening in the first direction for aligning the passageway with the outwardly protruding portion of the spring on the outer strap. The outer slide also has means defining a guide way extending along the passageway in a second direction generally orthogonal to the first direction; (d) a spring reset mechanism being operable for resetting the protruding spring to a nonprotruding position relative to the outer strap when the mechanism is aligned with the protruding portion of the spring; and (e) an inner slide supporting the spring reset mechanism and being mounted to the guide way for reciprocable movement along the passageway of the outer slide in the second direction for aligning the spring reset mechanism with the protruding portion of the spring on the outer strap

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

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

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

Science.gov (United States)

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

2007-01-01

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

Quality assurance and auditing for tissue banking

International Nuclear Information System (INIS)

Strong, M.; Tayo, E.

1999-01-01

Implementation of quality systems can provide many benefits and have a direct impact on the cost of tissue banking. These benefits are achieved by reducing redundancies, streamlining work processes, reducing and waste, and implementing of a process of continuous monitoring and quality improvement, There have been various models written for the use of quality systems in tissue banking but most can be indexed and correlated with the universal ISO 9000 Quality Management System used world-wide in all types of businesses and services since 1986. These standards contain 20 system elements that define the broad-based quality system. Within these elements are included audited systems. The auditing system includes internal assessment and external assessment. An audit is a planned, independent and documented assessment to determine whether agreed upon requirements are being met. Audits are performed by qualified individuals with knowledge of procedures, regulations and associated standards with the primary intention of improving processes. Internal and external assessments are the primary types of audits performed at the tissue center. Internal assessment is performed by the employees of the organization to determine whether activities and -the results of the activities comply with requirements and procedures. External assessment is carried out by independent examinations performed by an external agency. This presentation will describe procedures for internal quality auditing and results of external assessment of tissue banking in North America, as performed by the American Association of Tissue Banks (AATB). The AATB system for external auditing will be described. Examples will be given of the most common errors found by such auditing assessments and procedures for establishing internal quality auditing

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

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

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

Tropical Cyclone Exposure for U.S. waters within the North Atlantic Ocean basin, 1900-2013

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — These data represent modeled, historical exposure of U.S. offshore and coastal waters to tropical cyclone activity within the North Atlantic Ocean basin. BOEM Outer...

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

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

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

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

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

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

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

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

Directory of Open Access Journals (Sweden)

Nani Hartati

2017-11-01

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

GenBank

OpenAIRE

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

2006-01-01

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

Strategic positioning in banking industry: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

Directory of Open Access Journals (Sweden)

Chian-Son Yu

2014-06-01

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

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

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

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

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

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

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

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Yaser Taufik Syamlan

2017-06-01

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

Incorporation of squalene into rod outer segments

International Nuclear Information System (INIS)

Keller, R.K.; Fliesler, S.J.

1990-01-01

We have reported previously that squalene is the major radiolabeled nonsaponifiable lipid product derived from [ 3 H]acetate in short term incubations of frog retinas. In the present study, we demonstrate that newly synthesized squalene is incorporated into rod outer segments under similar in vitro conditions. We show further that squalene is an endogenous constituent of frog rod outer segment membranes; its concentration is approximately 9.5 nmol/mumol of phospholipid or about 9% of the level of cholesterol. Pulse-chase experiments with radiolabeled precursors revealed no metabolism of outer segment squalene to sterols in up to 20 h of chase. Taken together with our previous absolute rate studies, these results suggest that most, if not all, of the squalene synthesized by the frog retina is transported to rod outer segments. Synthesis of protein is not required for squalene transport since puromycin had no effect on squalene incorporation into outer segments. Conversely, inhibition of isoprenoid synthesis with mevinolin had no effect on the incorporation of opsin into the outer segment. These latter results support the conclusion that the de novo synthesis and subsequent intracellular trafficking of opsin and isoprenoid lipids destined for the outer segment occur via independent mechanisms

Deer browsing delays succession by altering aboveground vegetation and belowground seed banks.

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Antonio DiTommaso

Full Text Available Soil seed bank composition is important to the recovery of natural and semi-natural areas from disturbance and serves as a safeguard against environmental catastrophe. White-tailed deer (Odocoileus virginianus populations have increased dramatically in eastern North America over the past century and can have strong impacts on aboveground vegetation, but their impacts on seed bank dynamics are less known. To document the long-term effects of deer browsing on plant successional dynamics, we studied the impacts of deer on both aboveground vegetation and seed bank composition in plant communities following agricultural abandonment. In 2005, we established six 15 × 15 m fenced enclosures and paired open plots in recently followed agricultural fields near Ithaca, NY, USA. In late October of each of six years (2005-2010, we collected soil from each plot and conducted seed germination cycles in a greenhouse to document seed bank composition. These data were compared to measurements of aboveground plant cover (2005-2008 and tree density (2005-2012. The impacts of deer browsing on aboveground vegetation were severe and immediate, resulting in significantly more bare soil, reduced plant biomass, reduced recruitment of woody species, and relatively fewer native species. These impacts persisted throughout the experiment. The impacts of browsing were even stronger on seed bank dynamics. Browsing resulted in significantly decreased overall species richness (but higher diversity, reduced seed bank abundance, relatively more short-lived species (annuals and biennials, and fewer native species. Both seed bank richness and the relative abundance of annuals/biennials were mirrored in the aboveground vegetation. Thus, deer browsing has long-term and potentially reinforcing impacts on secondary succession, slowing succession by selectively consuming native perennials and woody species and favoring the persistence of short-lived, introduced species that continually

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

Directory of Open Access Journals (Sweden)

Jeroen Klomp

2015-12-01

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

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

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

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

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

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Muhammad Shakil AHMAD

2011-01-01

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

Middle East and North Africa Data Book, September 2014

OpenAIRE

Devarajan, Shanta; Mottaghi, Lili

2014-01-01

The Middle East and North Africa (MENA) data book serves as a quick reference and a reliable dataset for monitoring economic and social developments in the region. The data are drawn from the 2014 World Bank's World Development Indicators (WDI) and International Monetary Fund's (IMF's) direction of trade statistics. It contains macroeconomic, sectoral, and social indicators for 19 countrie...

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

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-06-01

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

Carbonate Production by Benthic Communities on Shallow Coralgal Reefs of Abrolhos Bank, Brazil.

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Vanessa Moura Dos Reis

Full Text Available The abundance of reef builders, non-builders and the calcium carbonate produced by communities established in Calcification Accretion Units (CAUs were determined in three Abrolhos Bank shallow reefs during the period from 2012 to 2014. In addition, the seawater temperature, the irradiance, and the amount and composition of the sediments were determined. The inner and outer reef arcs were compared. CAUs located on the inner reef shelf were under the influence of terrigenous sediments. On the outer reefs, the sediments were composed primarily of marine biogenic carbonates. The mean carbonate production in shallow reefs of Abrolhos was 579 ± 98 g m-2 y-1. The builder community was dominated by crustose coralline algae, while the non-builder community was dominated by turf. A marine heat wave was detected during the summer of 2013-2014, and the number of consecutive days with a temperature above or below the summer mean was positively correlated with the turf cover increase. The mean carbonate production of the shallow reefs of Abrolhos Bank was greater than the estimated carbonate production measured for artificial structures on several other shallow reefs of the world. The calcimass was higher than the non-calcareous mass, suggesting that the Abrolhos reefs are still in a positive carbonate production balance. Given that marine heat waves produce an increase of turf cover on the shallow reefs of the Abrolhos, a decrease in the cover represented by reef builders and shifting carbonate production are expected in the near future.

Partial pressure (or fugacity) of carbon dioxide, dissolved inorganic carbon, alkalinity, temperature, salinity and other variables collected from Surface underway observations using Barometric pressure sensor, Carbon dioxide (CO2) gas analyzer and other instruments from SKOGAFOSS in the North Atlantic Ocean and Stellwagen Bank National Marine Sanctuary from 2007-01-07 to 2007-06-04 (NODC Accession 0112887)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — NCEI Accession 0112887 includes Surface underway, chemical, meteorological and physical data collected from SKOGAFOSS in the North Atlantic Ocean and Stellwagen Bank...

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

ELENA SILVIA DINCULESCU

2010-01-01

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

Colours of the Outer Solar System Origins Survey: An Update

Science.gov (United States)

Schwamb, Megan E.; Fraser, Wesley C.; Pike, Rosemary E.; Bannister, Michele T.; Marsset, Michaël; Kavelaars, J. J.; Benecchi, Susan; Delsanti, Audrey C.; Lehner, Matthew J.; Wang, Shiang-Yu; Thirouin, Audrey; Nesvorný, David

2018-01-01

The vast majority of the known dwarf-planet sized bodies are bright enough to be studied through optical and infrared spectroscopy. As a result, we have an understanding of the surface properties for the largest Kuiper belt objects (KBOs) which retain their primordial inventory of volatile ices. For the typically smaller > 22 mag KBO, we must rely instead on what colors reveal by proxy; yet this picture remains incomplete. Most KBO physical property studies examine the hodgepodge set of objects discovered by various surveys with different and varying detection biases that make it difficult if not impossible to reliably estimate the sizes of the different surface color groupings (compositional classes) residing in the modern-day Kuiper belt.The Colours of the Outer Solar System Origins Survey (Col-OSSOS) probes the surface properties within the Kuiper belt primarily through near simultaneous g,r and J colors with the Gemini North Telescope and u-band with Canada-France-Hawaii Telescope. The project aims to target ~100 KBOs brighter than 23.6 r‧ mag found by the Outer Solar System Origins Survey (OSSOS), a survey with a well-measured detection efficiency. Thus, Col-OSSOS provides the first brightness-complete, compositional-dynamical map of the Outer Solar System, probing in a new light the radial color distribution in the primordial planetesimal disk from which KBOs originated. We will provide an update on the current status of the program highlighting results from the first two years of the survey; including size estimates of the two color KBO subgroups (the red and neutral surfaces) within the dynamically excited Kuiper belt and implications for the early planetesimal disk composition based on neutral-colored binaries found in the cold classical Kuiper belt.

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

Directory of Open Access Journals (Sweden)

Pooja MALHOTRA

2009-11-01

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

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

Directory of Open Access Journals (Sweden)

Selly Maulina

2016-12-01

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

Seabed morphology and the bottom-current pathways around Rosemary Bank seamount, northern Rockall Trough, North Atlantic

Energy Technology Data Exchange (ETDEWEB)

Howe, J.A. [Dunstaffnage Marine Laboratory, Scottish Association for Marine Science, Oban, Argyll PA37 1QA, Scotland (United Kingdom); Stoker, M.S.; Bulat, J. [British Geological Survey, Murchison House, West Mains Road, Edinburgh EH9 3LA, Scotland (United Kingdom); Masson, D.G. [Southampton Oceanography Centre, Empress Dock, European Way, Southampton SO14 3ZH (United Kingdom); Pudsey, C.J.; Morris, P.; Larter, R.D. [British Antarctic Survey, High Cross, Madingley Road, Cambridge CB3 OET (United Kingdom)

2006-02-15

Rosemary Bank is a broadly domed and elongate seamount with a diameter of 70km, occurring in water depths of between 300 and 2300m, 120km west of the UK mainland in the northern Rockall Trough. Recent multibeam bathymetry and sub-bottom profiles, together with pre-existing current meter and CTD data, seismic reflection profiles and seabed core samples were examined in order to evaluate past and present bottom-current pathways and processes. The multibeam data image volcanic parasitic cones, concave slide scars and the terraced slopes of the bank. Bottom-current sedimentation is interpreted as producing a drift-moat complex surrounding the entire seamount and including two sediment wave-fields, developed to the west and east of the bank in water depths of 1500-2000m. The western drift covers an area of over 1000km{sup 2}. Sediment waves to the west of the bank are up to 150m high with wave lengths of 1.5-2km. Four 100m deep, 3km wide, linear depressions, bisect the waves and are interpreted as 25-30km long extensions of the moat. Seismic reflection profiles show the main phase of drift construction was during the mid-Miocene to Pliocene with the Pliocene to Holocene being an interval of drift maintenance. Cores from sediments draping over and adjacent to the seamount contain sandy and gravelly contourites interbedded with hemipelagites of late Pleistocene to Holocene age. Current meter and CTD data from the western moat indicate Labrador Sea Water flowing northwest, in contrast to the previously assumed anticlockwise circulation pattern around the seamount. (author)

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

Science.gov (United States)

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...

HIV-Sero- prevalence trend among blood donors in North East ...

African Journals Online (AJOL)

2017-09-03

Sep 3, 2017 ... On the other hand, significantly declining fashion of. HIV seroprevalence were observed in the studies done in blood banks of Jimma University Specialized Hos- pital and Gonder University hospital7,8 and NorthWest. Ethiopia.9 The Federal Ministry of Health reported the. National HIV prevalence as 3.5% ...

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

Geochemical analysis may indicate oil kitchen near Seychelles bank

Energy Technology Data Exchange (ETDEWEB)

Plummer, P.S. (Seychelles National Oil Co., Victoria, Mahe, Seychelles (CA))

1992-08-31

This paper reports that the regular occurrence of tarballs on beaches in the Seychelles archipelago attests to the presence of a mature and generating hydrocarbon kitchen in the Mesozoic succession on and/or adjacent to the Seychelles bank. Since 1978 many tarballs have been collected and analyzed form Coetivy Island while, despite a seemingly annual occurrence of tarballs on the main island of Mahe and nearby Silhouette some 300-350 km to the north northwest, to date only one such sample has been analyzed from each island.

Depth averaged wave-current interaction in the multi bank morphology of the southern North Sea

Science.gov (United States)

Komijani, Homayoon; Osuna, Pedro; Ocampo Torres, Francisco; Monbaliu, Jaak

2017-04-01

The effects of wind induced waves on the barotropic mean flow during a storm event in the southern North Sea are investigated. The well known radiation stress gradient theory of Longuet-Higgins and Stewart (1962, 1964) together with the influence of waves through the Stokes drift (Hasselmann, 1971 and Garret, 1976) are incorporated in the RANS equation system of the COHERENS circulation model (Luyten et al., 2005) following the methodology worked out by Bennis et al. (2011) . The SWAN spectral wave model (version 40.91, http://www.swan.tudelft.nl/) is used to provide the wave information. This allows us to take into account the dissipative terms of wave momentum flux to the mean flow such as depth induced wave breaking and bottom friction as well as the conservative terms of wave effects such as the vortex-force and wave induced pressure gradient. The resulting coupled COHERENS-SWAN model has been validated using the well known planar beach test case proposed by Haas and Warner (2009) in depth averaged mode. For the application in the southern North Sea, a series of nested grids using COHERENS (circulation model) and WAM cycle 4.5.3 (spectral wave model applied to the North Sea shelf area, Monbaliu et al. 2000; Günther, H. and A. Behrens, personal communications, May 2012) is set up to provide the hydrodynamic and wave boundary conditions for the COHERENS-SWAN two way coupled wave-current model for the Belgian coastal zone model. The improvements obtained in hindcasting the circulation processes in the Belgian coastal area during a storm event will be highlighted. But also difficulties faced in the coupling of the models and in the simulation of a real case storm will be discussed. In particular, some of the approaches for dealing with the numerical instabilities due to multi bank morphology of the southern North Sea will be addressed. References : Bennis, A.-C., F. Ardhuin, and F. Dumas (2011). "On the coupling of wave and three-dimensional circulation models

Study on the reduction and hysteresis effect of soil nitrogen pollution by Alfalfa in channel buffer bank

Science.gov (United States)

Chi, Yixia; Xue, Lianqing; Zhang, Zhanyu; Li, Dongying

2018-01-01

Based on the simulation experiments of solute transport in channel buffer bank and pot experiments, this study analyzed the transport of nitrogen pollution from farmland drains along the South-North Water Transfer east route project; and compared the nitrogen transport rule and purification effect of alfalfa in channel buffer bank soil under situations of bare land and alfalfa mulching. The results showed that: (1) soil nitrogen content decreased gradually with the width increase of channel buffer bank by the soil adsorption and decomposition; (2) the migration rates of nitrogen were 0.06 g·kg-1 by the alfalfa mulching; (3) the removed rates of nitrogen from the soil were 0.088 g·kg-1 by cutting alfalfa; (4) the residual nitrogen of soil with alfalfa was 10% of the bare land. Alfalfa in channel buffer bank had obvious reduction and hysteresis effect to soil nitrogen pollution.

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

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

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

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Dr. Irwan Ch

2017-06-01

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

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

Small RNAs controlling outer membrane porins

DEFF Research Database (Denmark)

Valentin-Hansen, Poul; Johansen, Jesper; Rasmussen, Anders A

2007-01-01

are key regulators of environmental stress. Recent work has revealed an intimate interplay between small RNA regulation of outer membrane proteins and the stress-induced sigmaE-signalling system, which has an essential role in the maintenance of the integrity of the outer membrane.......Gene regulation by small non-coding RNAs has been recognized as an important post-transcriptional regulatory mechanism for several years. In Gram-negative bacteria such as Escherichia coli and Salmonella, these RNAs control stress response and translation of outer membrane proteins and therefore...

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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

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

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Anamika Singh

2016-06-01

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

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

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Mansor H. Ibrahim

2017-02-01

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

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

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

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

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

Science.gov (United States)

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

2012-01-01

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

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

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Nsiah K. Acheampong

2013-12-01

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

Mitochondrial dysfunction underlying outer retinal diseases

DEFF Research Database (Denmark)

Lefevere, Evy; Toft-Kehler, Anne Katrine; Vohra, Rupali

2017-01-01

Dysfunction of photoreceptors, retinal pigment epithelium (RPE) or both contribute to the initiation and progression of several outer retinal disorders. Disrupted Müller glia function might additionally subsidize to these diseases. Mitochondrial malfunctioning is importantly associated with outer...

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

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

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

Directory of Open Access Journals (Sweden)

Rossazana Ab-Rahim

2017-08-01

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

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

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Shijaku Gerti

2017-09-01

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

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

Directory of Open Access Journals (Sweden)

Sarwar Uddin Ahmed

2014-11-01

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

ANALISIS SEGMEN PASAR DAN PERILAKU NASABAH TERHADAP BANK SYARIAH DI WILAYAH DKI JAKARTA

Directory of Open Access Journals (Sweden)

RR. Kathrin Irviana

2011-08-01

Full Text Available Normal 0 false false false MicrosoftInternetExplorer4 The purpose of this research is for identifying market segment and customer behavior toward Islamic Banking and its marketing implications in all regions of DKI Jakarta. The research was conducted on August – October 2008 in East, West, North, South and Central of Jakarta. The survey was conducted by doing face to face interview and questionaires distribution to 120 proportional responden. The analytical tools applied are analysis of cluster, factor & descriptive and using SPSS version 11.5 as the statistic’s tool. The result of this research for segmentation aspect showed the characteristics and size of each market segment of Islamic banks. The market segment consists of syariah loyalist, floating mass and conventional loyalist. From this research, floating mass segment has been showed that this segment is the most potential segment among others in DKI Jakarta regions due to it has the largest target market compared to syariah loyalist and conventional loyalist segments. However responden with Islam as their religion are still priority target market for Islamic banks since floating mass responden have been collected from Islamic’s responden dominantly with employees and entrepreneurs as the occupations.  Further, market segment will be analyzed in relation with customers’ category, region of geography, religion and occupation. In customer behavior side, customers preferences and information resources toward Islamic banks will be the important factors which could influence customers behavior when choosing Islamic banks. The four factors influence customers in choosing Islamic banks are  building physical’s appearance, ATM network, variety of products and profit rate. Both results of market segmentation and consumer behavior toward Islamic Banking are important factors for Islamic Banking in formulating marketing strategy.

Optically stimulated luminescence age controls on late Pleistocene and Holocene coastal lithosomes, North Carolina, USA

Science.gov (United States)

Mallinson, D.; Burdette, K.; Mahan, S.; Brook, G.

2008-01-01

Luminescence ages from a variety of coastal features on the North Carolina Coastal Plain provide age control for shoreline formation and relative sea-level position during the late Pleistocene. A series of paleoshoreline ridges, dating to Marine Isotope Stage (MIS) 5a and MIS 3 have been defined. The Kitty Hawk beach ridges, on the modern Outer Banks, yield ages of 3 to 2??ka. Oxygen-isotope data are used to place these deposits in the context of global climate and sea-level change. The occurrence of MIS 5a and MIS 3 shorelines suggests that glacio-isostatic adjustment (GIA) of the study area is large (ca. 22 to 26??m), as suggested and modeled by other workers, and/or MIS 3 sea level was briefly higher than suggested by some coral reef studies. Correcting the shoreline elevations for GIA brings their elevation in line with other sea-level indicators. The age of the Kitty Hawk beach ridges places the Holocene shoreline well west of its present location at ca. 3 to 2??ka. The age of shoreline progradation is consistent with the ages of other beach ridge complexes in the southeast USA, suggesting some regionally contemporaneous forcing mechanism. ?? 2007 University of Washington.

Banking governance: New Approaches

Directory of Open Access Journals (Sweden)

Victor Mihăiţă Duţă

2016-11-01

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

BANKING WITHOUT INTEREST

Directory of Open Access Journals (Sweden)

Jana Ilieva

2017-06-01

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

Time series regression and ARIMAX for forecasting currency flow at Bank Indonesia in Sulawesi region

Science.gov (United States)

Suharsono, Agus; Suhartono, Masyitha, Aulia; Anuravega, Arum

2015-12-01

The purpose of the study is to forecast the outflow and inflow of currency at Indonesian Central Bank or Bank Indonesia (BI) in Sulawesi Region. The currency outflow and inflow data tend to have a trend pattern which is influenced by calendar variation effects. Therefore, this research focuses to apply some forecasting methods that could handle calendar variation effects, i.e. Time Series Regression (TSR) and ARIMAX models, and compare the forecast accuracy with ARIMA model. The best model is selected based on the lowest of Root Mean Squares Errors (RMSE) at out-sample dataset. The results show that ARIMA is the best model for forecasting the currency outflow and inflow at South Sulawesi. Whereas, the best model for forecasting the currency outflow at Central Sulawesi and Southeast Sulawesi, and for forecasting the currency inflow at South Sulawesi and North Sulawesi is TSR. Additionally, ARIMAX is the best model for forecasting the currency outflow at North Sulawesi. Hence, the results show that more complex models do not neccessary yield more accurate forecast than the simpler one.

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

Physicians' knowledge and practice on death certification in the North West Bank, Palestine: across sectional study.

Science.gov (United States)

Qaddumi, Jamal A S; Nazzal, Zaher; Yacoub, Allam; Mansour, Mahmoud

2018-01-08

Mortality data are essential for many aspects of everyday public health practices at both national and international levels. Despite the current developments in various aspects of the medical field, the apparent inability of physicians to complete death notification forms (DNF) accurately is still worldwide concern. The aim of this study is to assess the physicians' knowledge and practice on completing the DNF. A self-administered questionnaire was distributed to 200 physicians in governmental and non-governmental hospitals in the North West-Bank in Palestine. Furthermore, a case scenario was included in the questionnaire and physicians were asked to fill the cause of death section. The percentage of errors committed while completing the cause of death section were computed. A Chi square test was used to assess the association between physicians' characteristics and their responses. Only 40.6% of the participants completed the cause of death section correctly. The immediate and underlying causes of death were correctly identified by 48.7% and 71.3% of physicians, respectively. Almost one-fifth (17.3%) of physicians wrote the mechanism of death without reporting the underlying cause of death and 14.7% of them reported the sequence of events leading to death incorrectly. Physicians' knowledge and practice on completing the DNF is poor and insufficient, which may seriously affect the accuracy of mortality data. Complicated cases, problems in the current design of the DNFs and lack of training were the most common factors contributing to inaccuracy in death certification. We recommend offering periodical training workshops on completing the DNF to all physicians, and developing a manual on completing the DNFs with clear instructions and guidelines.

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

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

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

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

NARCIS (Netherlands)

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

2010-01-01

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

Small finance banks: Challenges

Directory of Open Access Journals (Sweden)

Jayadev M

2017-12-01

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

The CMS Outer Hadron Calorimeter

CERN Document Server

Acharya, Bannaje Sripathi; Banerjee, Sunanda; Banerjee, Sudeshna; Bawa, Harinder Singh; Beri, Suman Bala; Bhandari, Virender; Bhatnagar, Vipin; Chendvankar, Sanjay; Deshpande, Pandurang Vishnu; Dugad, Shashikant; Ganguli, Som N; Guchait, Monoranjan; Gurtu, Atul; Kalmani, Suresh Devendrappa; Kaur, Manjit; Kohli, Jatinder Mohan; Krishnaswamy, Marthi Ramaswamy; Kumar, Arun; Maity, Manas; Majumder, Gobinda; Mazumdar, Kajari; Mondal, Naba Kumar; Nagaraj, P; Narasimham, Vemuri Syamala; Patil, Mandakini Ravindra; Reddy, L V; Satyanarayana, B; Sharma, Seema; Singh, B; Singh, Jas Bir; Sudhakar, Katta; Tonwar, Suresh C; Verma, Piyush

2006-01-01

The CMS hadron calorimeter is a sampling calorimeter with brass absorber and plastic scintillator tiles with wavelength shifting fibres for carrying the light to the readout device. The barrel hadron calorimeter is complemented with a outer calorimeter to ensure high energy shower containment in CMS and thus working as a tail catcher. Fabrication, testing and calibrations of the outer hadron calorimeter are carried out keeping in mind its importance in the energy measurement of jets in view of linearity and resolution. It will provide a net improvement in missing $\\et$ measurements at LHC energies. The outer hadron calorimeter has a very good signal to background ratio even for a minimum ionising particle and can hence be used in coincidence with the Resistive Plate Chambers of the CMS detector for the muon trigger.

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

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

Application of passive type radon detectors to find fissures in banks caused by the southern Hyogo prefectural earthquake in Japan

International Nuclear Information System (INIS)

Saegusa, J.; Yamasaki, K.; Tsujimoto, T.; Morishima, H.; Shimo, M.; Murakami, A.; Hasegawa, T.

1996-01-01

Innumerable fissures were formed widely in Hanshin area in Japan by the former southern Hyogo prefectural earthquake occurred on Jan.17, 1995. In this study, as a preliminary investigation, we applied passive type radon detector Pico-Rad (U.S. Packard Instrument Co. Ltd.) with hemispheric plastic cover over them around the fissure along on the bank of two reservoirs to examine whether there is possibility to find fissures using the characteristics of 222 Rn migration. One of the reservoir, Taniyamakami-ike, is located at the north of the Awaji-shima island at a distance of about 4 km from the seismic center of this earthquake. On the whole, 222 Rn exhalation rates were high on a line of 2 m below the edge of the bank and got lower in proportion to the distance from this line. Those top of the bank had middle values among the lines. The mean 222 Rn exhalation rate was 4.7 mBq m -2 s -1 , and in these data we found some singularly high 222 Rn points. The other reservoir named Hosho-ike is located at northwestern Nagaokakyo city of Kyoto prefecture and the Komyoji active faulting runs from north to south parallel with the bank about 120 m to the west. In this bank, a fissure about 50 m in length and 0.1 m in width was taken shape. 222 Rn exhalation rates were relatively high on the top of the bank compared with on the slope of the bank. The mean 222 Rn exhalation rate of 5 points which were measured on the fissure was 16 mBq m -2 s -1 , and that which were measured on about 1 m to the east from the fissure was 4.9 mBq m -2 s -1 and in case about 1 m to the west was 4.2 mBq m -2 s -1 . From these results we concluded that there is a possibility to find fissures inside the bank using the characteristics of 222 Rn migration. Our future objective is to find fissures inside banks non-destructively. (author)

Pengelolaan Likuiditas Bank Syariah

Directory of Open Access Journals (Sweden)

Nurul Ichsan

2014-01-01

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

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

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

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

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

GenBank

OpenAIRE

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

2012-01-01

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

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

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

Issues concerning outer space investments in international law ...

African Journals Online (AJOL)

Issues concerning outer space investments in international law. ... Recent improvements in technology have in essence increased the viability of outer space as the next frontier for international investment and development. In addition to ... Key words: Outer Space, Investments, International Law, International Space Station ...

ROMANIAN BANKS LIQUIDITY MANAGEMENT

Directory of Open Access Journals (Sweden)

BATRANCEA MARIA

2013-07-01

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

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

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

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

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

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

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

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

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

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

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

OpenAIRE

Makosana, Musa

2014-01-01

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

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

Science.gov (United States)

2011-07-27

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

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

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

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

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

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

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

Plasmas in the outer heliosphere

Science.gov (United States)

Belcher, J. W.; Richardson, J. D.; Lazarus, A. J.; Gazis, P. R.; Barnes, A.

1995-01-01

We review the observed properties of the solar wind in the outer heliosphere, including observations from Voyager and the Pioneers, as well as from inner heliospheric probes as appropriate. These observations are crucial to modeling of the heliosphere and its interactions with the interstellar medium, since the wind ram pressure and its temporal variations are important in understanding the distance to the termination shock and heliopause and how those boundaries might vary in time. We focus on results since Solar Wind 7. Among the issues we will discuss are: (1) the time scales for and statistical properties of variations in the ram pressure in the outer heliosphere, and how those variations might affect the morphology of the heliospheric/interstellar medium interface; (2) the question of possible solar wind slowing in the outer heliosphere due to the pick-up of interstellar ions; (3) the issue of whether there is bulk heating of the solar wind associated either with interstellar ion pick-up or with continued heating due to stream-stream interactions; (4) evidence for latitudinal variations in solar wind properties; and (5) the 1.3 year periodicities apparent in the outer heliosphere, and the close correspondence with similar variations seen with inner heliospheric probes.

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

GenBank

OpenAIRE

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

2008-01-01

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

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

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

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

Tabular map of bank mining in North Czech and photo-documentation

International Nuclear Information System (INIS)

Svec, J.; Jenista, J.

2003-01-01

Quarry coal mining in North Bohemian coal territory represents actual problem that resulted in destabilisation up to devastation of land. Mining activities represent total area about 300 square kilometres. It is documented by tabular map with photo-documentation. Anthropogenic land degradation requires restoration actions in land in this range that will return its stability and natural functions

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

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

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

Origin of Outer Solar System

Science.gov (United States)

Holman, Matthew J.; Lindstrom, David (Technical Monitor)

2005-01-01

Our ongoing research program combines extensive deep and wide-field observations using a variety of observational platforms with numerical studies of the dynamics of small bodies in the outer solar system in order to advance the main scientific goals of the community studying the Kuiper belt and the outer solar system. These include: (1) determining the relative populations of the known classes of KBOs as well as other possible classes; ( 2 ) determining the size distributions or luminosity function of the individual populations or the Kuiper belt as a whole; (3) determining the inclinations distributions of these populations; (4) establishing the radial extent of the Kuiper belt; ( 5 ) measuring and relating the physical properties of different types of KBOs to those of other solar system bodies; and, (6) completing our systematic inventory of the satellites of the outer planets.

BANKING UNION - ROMANIAN PERSPECTIVE

Directory of Open Access Journals (Sweden)

Coroiu Sorina Ioana

2015-07-01

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

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

Directory of Open Access Journals (Sweden)

El Mehdi Ferrouhi

2014-12-01

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

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

OpenAIRE

Uddin, Md Akther

2015-01-01

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

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

Directory of Open Access Journals (Sweden)

Suleyman Degirmen

2015-08-01

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

Bud-bank and tiller dynamics of co-occurring C3 caespitose grasses in mixed-grass prairie.

Science.gov (United States)

Ott, Jacqueline P; Hartnett, David C

2015-09-01

Tiller recruitment from the belowground bud bank of caespitose grasses influences their ability to monopolize local resources and, hence, their genet fitness. Differences in bud production and outgrowth among tiller types within a genet and among species may explain co-occurrence of caespitose grasses. This study aimed to characterize genet bud-bank and tiller production and dynamics in two co-occurring species and compare their vegetative reproductive strategies. Bud-bank and tiller dynamics of Hesperostipa comata and Nassella viridula, dominant C3 caespitose grasses in the northern mixed-grass prairie of North America, were assessed throughout an annual cycle. The two species showed similar strategies, maintaining polycyclic tillers and thus creating mixed-age genet bud banks comprising multiple bud cohorts produced in different years. Vegetative tillers produced the majority of buds, whereas flowering tillers contributed little to the bud bank. Buds lived for at least 2 yr and were maintained in multiple developmental stages throughout the year. Because bud longevity rarely exceeded tiller longevity, tiller longevity drove turnover within the bud bank. Tiller population dynamics, more than bud production per tiller, determined the differential contribution of tiller types to the bud bank. Nassella viridula had higher bud production per tiller, a consistent annual tiller recruitment density, and greater longevity of buds on senesced and flowering tillers than H. comata. Co-occurring C3 caespitose grasses had similar bud-bank and tiller dynamics contributing to genet persistence but differed in bud characteristics that could affect genet longevity and species coexistence. © 2015 Botanical Society of America.

Spontaneous expression of magnetic compass orientation in an epigeic rodent: the bank vole, Clethrionomys glareolus

Science.gov (United States)

Oliveriusová, Ludmila; Němec, Pavel; Pavelková, Zuzana; Sedláček, František

2014-07-01

Magnetoreception has been convincingly demonstrated in only a few mammalian species. Among rodents, magnetic compass orientation has been documented in four species of subterranean mole rats and two epigeic (i.e. active above ground) species—the Siberian hamster and the C57BL/6J mouse. The mole rats use the magnetic field azimuth to determine compass heading; their directional preference is spontaneous and unimodal, and their magnetic compass is magnetite-mediated. By contrast, the primary component of orientation response is learned in the hamster and the mouse, but both species also exhibit a weak spontaneous bimodal preference in the natural magnetic field. To determine whether the magnetic compass of wild epigeic rodents features the same functional properties as that of laboratory rodents, we investigated magnetic compass orientation in the bank vole Clethrionomys glareolus (Cricetidae, Rodentia). The voles exhibited a robust spontaneous bimodal directional preference, i.e. built nests and slept preferentially along the north-south axis, and deflected their directional preference according to a shift in the direction of magnetic north, clearly indicating that they were deriving directional information from the magnetic field. Thus, bimodal, axially symmetrical directional choice seems to be a common feature shared by epigeic rodents. However, spontaneous directional preference in the bank vole appeared to be more pronounced than that reported in the hamster and the mouse. These findings suggest that bank voles are well suited for future studies investigating the adaptive significance and mechanisms of magnetic orientation in epigeic rodents.

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

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

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

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

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

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

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

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

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

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

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

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Yusnaini -

2012-03-01

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

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

African Journals Online (AJOL)

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

Bank Syariah Sebagai Alternatif

Directory of Open Access Journals (Sweden)

Adang Sudjana

2003-03-01

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

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

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

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

Directory of Open Access Journals (Sweden)

Lidiyawati Lidiyawati

2015-05-01

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

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

Science.gov (United States)

2013-06-07

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

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

ALINA LIGIA DUMITRESCU

2014-11-01

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

Sediment transport and development of banner banks and sandwaves in an extreme tidal system: Upper Bay of Fundy, Canada

Science.gov (United States)

Li, Michael Z.; Shaw, John; Todd, Brian J.; Kostylev, Vladimir E.; Wu, Yongsheng

2014-07-01

Multibeam sonar mapping and geophysical and geological groundtruth surveys were coupled with tidal current and sediment transport model calculations to investigate the sediment transport and formation processes of the complex seabed features off the Cape Split headland in the upper Bay of Fundy. The Cape Split banner bank, composed of coarse to very coarse sand, is a southwest-northeast oriented, large tear-drop shaped sand body with superimposed sand waves that show wavelengths from 15 to 525 m and heights from 0.5 to 19 m. Isolated and chains of barchan dunes occur on top of a shadow bank to the southeast of the banner bank. The barchan dunes are composed of well-sorted medium sand and are oriented northwest-southeast. Their mean height and width are 1.5 and 55 m, respectively. A gravel bank, with an elongated elliptical shape and west-east orientation, lies in the Minas Passage erosional trough east of the headland to form the counterpart to the sandy Cape Split banner bank. The southern face is featureless but the northern face is covered by gravel megaripples. Tidal model predictions and sediment transport calculations show that the formation of the banner bank and the gravel bank are due to the development of the transient counter-clockwise and clockwise tidal eddies respectively to the west and east of the headland. The formation of barchan dunes is controlled by the nearly unidirectional flow regime in outer Scots Bay. Sand waves on the flanks of the Cape Split banner bank show opposite asymmetry and the barchan dunes are asymmetric to the northeast. The tidal current and sediment transport predictions corroborate bedform asymmetry to show that sand wave migration and net sediment transport is to southwest on the northern flank of the banner bank but to northeast on the southern bank. Long-term migration of the Scots Bay barchan dunes is to the northeast. Spring-condition tidal currents can cause frequent mobilization and high-stage transport over the

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

Directory of Open Access Journals (Sweden)

Memdani Laila

2017-08-01

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

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

Science.gov (United States)

2010-01-01

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

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

NARCIS (Netherlands)

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

2009-01-01

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

GenBank

Data.gov (United States)

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

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

Science.gov (United States)

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

2002-11-01

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

THE RISE OF MOBILE BANKING

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2015-12-01

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

Development of small carbonate banks on the south Florida platform margin: Response to sea level and climate change

Science.gov (United States)

Mallinson, David J.; Hine, Albert C.; Hallock, Pamela; Locker, Stanley D.; Shinn, Eugene; Naar, David; Donahue, Brian; Weaver, Douglas C.

2003-01-01

Geophysical and coring data from the Dry Tortugas, Tortugas Bank, and Riley’s Hump on the southwest Florida margin reveal the stratigraphic framework and growth history of these carbonate banks. The Holocene reefs of the Dry Tortugas and Tortugas Bank are approximately 14 and 10 m thick, respectively, and are situated upon Pleistocene reefal edifices. Tortugas Bank consists of the oldest Holocene corals in the Florida Keys with earliest coral recruitment occurring at ∼9.6 cal ka. Growth curves for the Tortugas Bank reveal slow growth (demise at ∼4.2 cal ka. Coral reef development at the Dry Tortugas began at ∼6.4 cal ka. Aggradation at the Dry Tortugas was linear, and rapid (∼3.7 mm/yr) and kept pace with sea-level change. The increase in aggradation rate of Tortugas Bank at 6.2 cal ka is attributed to the growth of the Dry Tortugas reefs, which formed a barrier to inimical shelf water. Termination of shallow (<15 m below sea level) reef growth at Tortugas Bank at ∼4.2 cal ka is attributed to paleoclimate change in the North American interior that increased precipitation and fluvial discharge. Reef growth rates and characteristics are related to the rate of sea-level rise relative to the position of the reef on the shelf margin, and are additionally modified by hydrographic conditions related to climate change.

Banking and Trading

NARCIS (Netherlands)

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

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

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

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

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

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

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

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

Postglacial sedimentary regime around northern Sylt, South-eastern North Sea, based on shallow seismic evidence

DEFF Research Database (Denmark)

Boldreel, Lars Ole; Kuijpers, Antoon; Madsen, Emil B

2010-01-01

, in the outer delta, a dune field suggesting westerly-directed sediment transport is identified. The two dune fields appear to be separated by minor indefinite bed forms. The northern part of the Lister Tief is characterised by the presence of a channel with a depth of 20-30 mbsf (meter below sea level) (30......-40 msec TWT (Two Way Traveltime)) and displaying erosion towards the north. At the western termination of the channel the sediment transport pathway appears to be divided into two directions; one towards the outer delta, and one towards the sediment depocenter SW of Rømø. The Lister Ley is characterized......During the past 5 years the coastal zone offshore the northern part of the island of Sylt, has been investigated by sparker seismics and high-resolution subbottom profiling. The North Sea sector of the area is characterized by northward-directed sediment bypass as a result of strong long...

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

Directory of Open Access Journals (Sweden)

Ihsan Isik

2016-04-01

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

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

Directory of Open Access Journals (Sweden)

Habbar Abderezak, Dr.

2014-06-01

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

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

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

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

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

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

Adopting Internet Banking in Ghana

OpenAIRE

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

2013-01-01

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

Commercial Activity or Banking Competition?

Directory of Open Access Journals (Sweden)

Rose-Marie Pușcaciu

2015-12-01

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

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

Science.gov (United States)

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

2018-06-01

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

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

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Iwan Setiawan

2016-12-01

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

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

Science.gov (United States)

Plumeridge, Annabel A; Roberts, Callum M

2017-03-15

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

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

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

Iceland's meltdown: the rise and fall of international banking in the North Atlantic

Directory of Open Access Journals (Sweden)

Robert H. Wade

2011-01-01

Full Text Available This paper shows how rapid privatization and liberalization of Iceland's small local banks around 2000, combined with well-developed crony relations among the elite, enabled a small group of financiers to leverage government-guaranteed deposits into a vast wave of mergers and acquisitions abroad, and redistribute enough of the profits back home to make the economy boom. Negative policy feedback loops were systematically undermined. The incoming left-wing government, with IMF support, has managed to protect the bulk of the population from the worst of the effects.

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

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

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

Essays on banking and regulation

NARCIS (Netherlands)

Todorov, R.I.

2013-01-01

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

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

Directory of Open Access Journals (Sweden)

Evi Sistiyarini

2017-04-01

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

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

Directory of Open Access Journals (Sweden)

Tram Nguyen

2018-01-01

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

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

Science.gov (United States)

2010-01-01

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

Prevalence, intensity, and effect of a nematode (Philometra saltatrix) in the ovaries of bluefish (Pomatomus saltatrix)

OpenAIRE

Clarke, Lora M.; Dove, Alistair D. M.; Conover, David O.

2006-01-01

Examination of 203 adult bluefish (Pomatomus saltatrix) from Long Island, New York, in 2002 and 2003 and 66 from the Outer Banks, North Carolina, in 2003 revealed the presence of dracunculoid nematodes (Philometra saltatrix) in the ovaries of female fish. Percent prevalence reached 88% in July and then decreased after the peak of the spawning season. Bluefish contained up to 100 parasites per fish. Infection was associated with a range of disorders, including hemorrhage, inf lammation, ede...

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

Directory of Open Access Journals (Sweden)

Daru Setyo Rini

2018-01-01

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

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

Science.gov (United States)

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Masnawati .

2016-04-01

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

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

Science.gov (United States)

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

2012-01-01

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

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

OpenAIRE

liu, luke

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Igor Tomičić

2012-12-01

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

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

Directory of Open Access Journals (Sweden)

Magdalena, RADULESCU

2014-11-01

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

40 CFR 91.205 - Banking.

Science.gov (United States)

2010-07-01

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

Constraining formation of the Eggvin Bank (West of Jan Mayen, N. Atlantic) from OBS data

Science.gov (United States)

Tan, P.; Breivik, A. J.; Mjelde, R.; Azuma, R.

2015-12-01

The anomalously high magma flux in the Eggvin Bank area has triggered new research efforts to better understand the crustal development in this area. The Eggvin Bank is located between the Jan Mayen Island and the west coast of Greenland. Some proposed origins of the Eggvin Bank are: a distinct plume located beneath Jan Mayen; an extension of the Iceland plume; minor spreading or leakage along West Jan Mayen Fracture Zone (WJMFZ); intruded continental crust extending from Jan Mayen Microcontinent (JMMC); and rifted Greenland sub-continental lithospheric mantle. In this first modern refraction seismic study of the Eggvin Bank, we present a 2D velocity model based on OBS data. The OBSs were deployed approx. N-S over the Eggvin Bank with good data quality constrained by 4 OBSs. The air-gun array used during OBS shooting produced good quality reflection data. Three distinct seamounts are observed along the profile: the northern seamount (water depth 730m), has a flat top with a thin sedimentary veneer on top, which indicates it has been eroded at sea surface; while the southern two seamounts, one (water depth 550m) is less flat with around 100m thick sedimentary units on top, another one is rounded with tiny sedimentary veneer on top having the shallowest water depth (460m). This could suggest that the southern seamounts are younger, since they are shallower but without obvious signs that they were subaerially exposed. However, increased cooling of the lithosphere across the WJMFZ in the north may also contribute to depth differences. A normal fault offsetting sedimentary strata (~300 m) in the Greenland Basin indicates recent tectonic activity north of the Eggvin Bank. The velocity modeling shows crustal thickness with large variations, ranging from 8 km to 14 km, where crustal thickness changes of 4-5 km are associated with 20-30 km wide segments with thick crust under the seamounts. The crust consists of three oceanic crustal layers: upper crust (2.8km/s-4.8km

Greece and the Missing Banking Union

DEFF Research Database (Denmark)

N. Gordon, Jeffery; Ringe, Georg

2015-01-01

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

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

International Nuclear Information System (INIS)

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

2014-01-01

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

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

African Journals Online (AJOL)

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

"Nothing is going to change three months from now": A mixed methods characterization of food bank use in Greater Vancouver.

Science.gov (United States)

Holmes, Eleanor; Black, Jennifer L; Heckelman, Amber; Lear, Scott A; Seto, Darlene; Fowokan, Adeleke; Wittman, Hannah

2018-03-01

North American food bank use has risen dramatically since the 1980s, and over 850,000 Canadians were estimated to have visited a food bank monthly in 2015. Food banks serve multiple roles in communities, ranging from 'emergency responses' to individualized and short-term experiences of hunger, to 'chronic' supports as part of long-term subsistence strategies. This study used a mixed-methods design to examine the spectrum of food bank user experiences in a large urban context, as part of a community-based project aiming to envision a redesign of the food bank to contribute to broader community food security outcomes. Survey (n = 77) and focus group (n = 27) results suggested that participants widely viewed food banks as a long-term food-access strategy. Inadequate financial resources, steep increases in housing and food costs, and long-term health challenges emerged as the most prominent factors influencing food bank use. Participants commonly reported unmet food needs despite food bank use, limited agency over factors influencing access to sufficient food, and anticipated requiring food bank services in future. These findings contest global constructions of food banks as "emergency" food providers and support growing evidence that food banks are an insufficient response to chronic poverty, lack of affordable housing and insufficient social assistance rates underlying experiences of food insecurity. Participants envisioned changes to the food bank system to increase community food security including improved food quality and quantity (short-term), changes to service delivery and increased connections with health services (capacity building), and a greater role in poverty reduction advocacy (system redesign). Copyright © 2018. Published by Elsevier Ltd.

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

NARCIS (Netherlands)

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

2006-01-01

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

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

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

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

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

Directory of Open Access Journals (Sweden)

Tri Wahyuningsih

2016-09-01

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

Nuclear fuel grid outer strap

International Nuclear Information System (INIS)

Duncan, R.; Craver, J.E.

1989-01-01

This patent describes a nuclear reactor fuel assembly grid. It comprises a first outer grip strap segment end. The first end having a first tab arranged in substantially the same plane as the plane defined by the first end; a second outer grip strap end. The second end having a second slot arranged in substantially the same plane as the plane defined by the second end, with the tab being substantially disposed in the slot, defining a socket therebetween; and a fort tine interposed substantially perpendicularly in the socket

BANKING SUPERVISION IN EUROPEAN UNION

OpenAIRE

Lavinia Mihaela GUȚU; Vasile ILIE

2013-01-01

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

Modern bank's credit risk

Directory of Open Access Journals (Sweden)

Šabović Šerif

2015-01-01

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

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

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

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

Directory of Open Access Journals (Sweden)

Siti Aisjah

2015-09-01

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

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

Directory of Open Access Journals (Sweden)

Sri Hastuti

2011-10-01

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

Will Outer Tropical Cyclone Size Change due to Anthropogenic Warming?

Science.gov (United States)

Schenkel, B. A.; Lin, N.; Chavas, D. R.; Vecchi, G. A.; Knutson, T. R.; Oppenheimer, M.

2017-12-01

Prior research has shown significant interbasin and intrabasin variability in outer tropical cyclone (TC) size. Moreover, outer TC size has even been shown to vary substantially over the lifetime of the majority of TCs. However, the factors responsible for both setting initial outer TC size and determining its evolution throughout the TC lifetime remain uncertain. Given these gaps in our physical understanding, there remains uncertainty in how outer TC size will change, if at all, due to anthropogenic warming. The present study seeks to quantify whether outer TC size will change significantly in response to anthropogenic warming using data from a high-resolution global climate model and a regional hurricane model. Similar to prior work, the outer TC size metric used in this study is the radius in which the azimuthal-mean surface azimuthal wind equals 8 m/s. The initial results from the high-resolution global climate model data suggest that the distribution of outer TC size shifts significantly towards larger values in each global TC basin during future climates, as revealed by 1) statistically significant increase of the median outer TC size by 5-10% (p<0.05) according to a 1,000-sample bootstrap resampling approach with replacement and 2) statistically significant differences between distributions of outer TC size from current and future climate simulations as shown using two-sample Kolmogorov Smirnov testing (p<<0.01). Additional analysis of the high-resolution global climate model data reveals that outer TC size does not uniformly increase within each basin in future climates, but rather shows substantial locational dependence. Future work will incorporate the regional mesoscale hurricane model data to help focus on identifying the source of the spatial variability in outer TC size increases within each basin during future climates and, more importantly, why outer TC size changes in response to anthropogenic warming.

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

Directory of Open Access Journals (Sweden)

Titon Adrinanto

2016-02-01

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

Bank and sovereign debt risk

OpenAIRE

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

2013-01-01

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

Banking towards development: Evidence from the Spanish banking expansion plan

OpenAIRE

Pere Arqué-Castells; Elisabet Viladecans-Marsal

2013-01-01

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

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

OpenAIRE

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

2011-01-01

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

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

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

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

Directory of Open Access Journals (Sweden)

Khalfaoui Hamdi

2015-06-01

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

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

Science.gov (United States)

2010-07-01

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

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

NARCIS (Netherlands)

Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

2017-01-01

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

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

OpenAIRE

Čížek, Martin

2009-01-01

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

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

Science.gov (United States)

2013-04-05

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

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

Directory of Open Access Journals (Sweden)

Yibing Chen

2014-01-01

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

PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

Directory of Open Access Journals (Sweden)

Dragan (Santamarian Oana Raluca

2012-12-01

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

Prevention of an arms race in outer space

International Nuclear Information System (INIS)

Anon.

1990-01-01

The space age may be the to have begun in 1957, when for the first time a man-made object was lofted into orbit round the Earth. Since that date, the new problems of outer space have been discussed in the United Nations, particularly in the General Assembly, in the Committee on the Peaceful Uses of Outer Space and its subsidiary bodies, and in the Conference on Disarmament. The discussions have contributed to the conclusion of a number of international agreements concerning both military and peaceful aspects of the use of outer space. This paper reports that according to the 1967 Treaty on Principles Governing the Activities of States in the Exploration and Use of Outer Space, including the Moon and Other Celestial Bodies, known as the outer space Treaty, outer space, including the moon and other celestial bodies, is not subject to national appropriation by claim of sovereignty, by means of use or occupation, or by any other means (article II), and the parties undertake not to place in orbit around the earth any objects carrying nuclear weapons or any other kinds of weapons of ass destruction, install such weapons on celestial bodies, or station such weapons in outer space in any other manner (article IV). Detailed norms for States' actions in this environment are included in the 1979 Agreement Governing the Activities of States on the Moon and other Celestial Bodies to ensure that the Moon and other celestial bodies within the solar system, other than Earth, are used exclusively for peaceful purposes

Customer loyalty in Internet banking

OpenAIRE

Eriksson, M.; Schuster, C.

2008-01-01

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

Radioiodination of an outer membrane protein in intact Rickettsia prowazekii

International Nuclear Information System (INIS)

Smith, D.K.; Winkler, H.H.

1980-01-01

Intact Rickettsia prowazekii was radiolabeled with the glucose oxidase-lactoperoxidase method of iodination. Separation of the rickettsial extract into cytoplasmic, outer and inner membrane fractions demonstrated that the outer membrane was preferentially labeled. Analysis of the polypeptides of these fractions on high-resolution slab polyacrylamide gels showed that most of the 125 I was in polypeptide T49, an outer membrane constituent. Additional outer membrane polypeptides were iodinated in broken envelope preparations, demonstrating that T49 is uniquely accessible to the external environment and the asymmetric polypeptide organization of the outer membrane

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

Directory of Open Access Journals (Sweden)

Maryam Nadernezhad

2013-08-01

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

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

Directory of Open Access Journals (Sweden)

Iwan Fakhruddin

2015-09-01

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

Banks, regions and development

Directory of Open Access Journals (Sweden)

Pietro Alessandrini

2003-03-01

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

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

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

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

OpenAIRE

YU, LIN

2009-01-01

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

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

International Nuclear Information System (INIS)

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

2013-01-01

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

Banking crises : A review

NARCIS (Netherlands)

Laeven, L.

2011-01-01

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

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

Science.gov (United States)

2013-04-08

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

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

OpenAIRE

Teodora Barbu; Georgeta Vintila