Turkish Banking Sector Credit-Deposit Developments Regionally Analysis (2005-2011

Directory of Open Access Journals (Sweden)

Adalet HAZAR

2013-06-01

Full Text Available Banking sector takes over the mediation function between fund suppliers and demand. So by the time the financial system gets deeper, banking sector involves to the dinamics and becomes a vital part of economic growth. In our country which expressed as having insufficiant savings, regionally analising in 2005-2011 period developments is the purpose of this study. On the numerical estimations, in spite of having more capacity to purchase parity, big cities shows a higher performance for savings. However especially the cities in the regions of East and Southeast Anatolia, purchase capacity parity is lower and savings are under their own costs.

THE ACCOUNTING OF THE PLEDGED ASSETS PASSED TO THE LICENSED BANKS FROM THE REPUBLIC OF MOLDOVA FOR THE REPAYMENT OF THE GRANTED LOAN

Directory of Open Access Journals (Sweden)

Tatiana ŞEVCIUC

2014-06-01

Full Text Available In banking practice the pledge plays an important role, it is often used to denote the pledge agreement, as well asthe real right that is the result of the pledge agreement conclusion and the good that is the object of the pledge. Thepledge is the only real security interest in the range of bank guarantees. Actually, each obligation can beguaranteed by the pledging. Assets diversification and trade needs have led to the development of a new pledgeform. Anyway, regardless of the number and content of the economic material, the licensed banks from the Republicof Moldova attach importance to the correctness of pledge accounting taking into account the deadline. Thus, thisresearch aims to present the accounting of the pledged assets passed to the licensed banks from the Republic ofMoldova for the repayment of the granted loan, taking into account the enforcement of the obligation secured by thepledge deadline, the right to possession of the pledged asset and not the least of its value. In the research there wasmainly used the method of monographic study applying elements of observation, selection, induction and deduction.

THE OBJECTIVE OF ISLAMIC BANK: A CASE STUDY IN SURAKARTA REGION

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Ibrahim Fatwa Wijaya

2017-03-01

Full Text Available The purposes of this research were for exploring the perception of the Islamic Banking stakeholders relatedwith the objective of Islamic Banking that operated in the dual banking system, Indonesia and for measuringthe gap between the perception and expectation of the stakeholders toward the objective of Islamic bank. Theprimary data was collected by questionnaires. The Respondents were limited only in the Surakarta region.They were customers, lecturers, students, employees, bank managers, regulators, and ulama (Moslem religiousteachers. Factor analysis was conducted for grouping or classifying the variables into the same group whichhad the same characters while Kruskall Wallis test was used for examining the different perception among thestakeholders. At last, paired sample t-test was used to measure the gap between perception and expectationamong the stakeholders. The findings of this study were first, stakeholders concluded that social objective ofIslamic was more important than the commercial one; second, there was a significant different perception on theIslamic Banking objective among the stakeholders; and third, there was a gap between the perception andexpectation of the stakeholders about Islamic Banking objectives.

Interest Rate Pass-through in Sri Lanka

OpenAIRE

Amarasekara, Chandranath

2005-01-01

The Central Bank of Sri Lanka has increasingly been relying on interest rates as the instrument for conducting monetary policy. Changes to the key monetary policy variables, the Repo and the Reverse Repo rates, are initially expected to be reflected in the OMO rates and the call money market rates, before being passedthrough to commercial bank retail interest rates. It is important to obtain a good understanding of the speed and magnitude of the interest rate pass-through to make timely monet...

International Taxation and Cross-Border Banking

OpenAIRE

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

2011-01-01

This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998-2008 - period. Home country corporate income taxation of foreign-source bank income is found to reduce banking-sector FDI. Furthermore, such taxation is almost fully passed on into higher interest margins charged abroad. These results imply that international double taxation distorts the activities of international ban...

The Effort to Create Customer Engagement on Customer E_Banking (Empirical Studies on Bank BNI Regional Semarang)

OpenAIRE

Alimuddin Rizal Rivai; Wahyudi Wahyudi

2016-01-01

                    This study focused on testing the effect of variable customer value, support systems and knowledge of the customer's products to customer satisfaction and its impact on customer engagement. This study selects the object user's e-banking customers of Bank BNI Regional Semarang. The number of samples in this study of 100 respondents, using purposive sampling technique sampling. Processing data using SPSS version 16.0. Based on a statistical test using linear regression appro...

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

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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.

Modelling modulation perception : modulation low-pass filter or modulation filter bank?

NARCIS (Netherlands)

Dau, T.; Kollmeier, B.; Kohlrausch, A.G.

1995-01-01

In current models of modulation perception, the stimuli are first filtered and nonlinearly transformed (mostly half-wave rectified). In order to model the low-pass characteristic of measured modulation transfer functions, the next stage in the models is a first-order low-pass filter with a typical

Reversible wavelet filter banks with side informationless spatially adaptive low-pass filters

Science.gov (United States)

Abhayaratne, Charith

2011-07-01

Wavelet transforms that have an adaptive low-pass filter are useful in applications that require the signal singularities, sharp transitions, and image edges to be left intact in the low-pass signal. In scalable image coding, the spatial resolution scalability is achieved by reconstructing the low-pass signal subband, which corresponds to the desired resolution level, and discarding other high-frequency wavelet subbands. In such applications, it is vital to have low-pass subbands that are not affected by smoothing artifacts associated with low-pass filtering. We present the mathematical framework for achieving 1-D wavelet transforms that have a spatially adaptive low-pass filter (SALP) using the prediction-first lifting scheme. The adaptivity decisions are computed using the wavelet coefficients, and no bookkeeping is required for the perfect reconstruction. Then, 2-D wavelet transforms that have a spatially adaptive low-pass filter are designed by extending the 1-D SALP framework. Because the 2-D polyphase decompositions are used in this case, the 2-D adaptivity decisions are made nonseparable as opposed to the separable 2-D realization using 1-D transforms. We present examples using the 2-D 5/3 wavelet transform and their lossless image coding and scalable decoding performances in terms of quality and resolution scalability. The proposed 2-D-SALP scheme results in better performance compared to the existing adaptive update lifting schemes.

Measuring the usability of e-banking in Special Region of Yogyakarta

Directory of Open Access Journals (Sweden)

Hadyanawati Anindyya Agripina

2018-01-01

Full Text Available Online shopping is become an option because customers do not need to go to the store. Internet banking is a bank facility to help customers in common. This research is aim to know usability aspect of e-commerce banking. Data collection was done by distributing questionnaires in Yogyakarta Special Region. The number of respondents is 140 with the range of age 17-22 years. Anova is used as method research. The results showed that in each group show significantly different. Post hoc analysis explained that learnability and efficiency variable has significantly different, with value p<0,05. The highest average value is in the learnability variable and the lowest is the memorability variable.

Comparative Analysis of Levels of Banking Sector Markets Concentration in CEE Region

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Kaličanin Tijana

2016-06-01

Full Text Available Banking sector is an important development factor of the total financial and economic system. Number of banks and dispersion of their individual shares defines competitive structure of banking sector, manifested by its concentration. Market concentration may be presented as a function of a number of enterprises competing in a market and their individual comparative market shares. Concentration analysis is significant with regard to the fact that the level of concentration demonstrates relations among competitors in a market, as well as influence each competitor has on consumers, branch and economy as a whole. Starting from 2008 crisis, domino effect of which hit banking sector and has had a huge impact on it, authors of this paper aimed at establishing a level of market concentration of the banking sector in Serbia and countries in the region in 2015 by application of a large number of market concentration indicators.

Bank storage buffers rivers from saline regional groundwater: an example from the Avon River Australia

Science.gov (United States)

Gilfedder, Benjamin; Hofmann, Harald; Cartwrighta, Ian

2014-05-01

Groundwater-surface water interactions are often conceptually and numerically modeled as a two component system: a groundwater system connected to a stream, river or lake. However, transient storage zones such as hyporheic exchange, bank storage, parafluvial flow and flood plain storage complicate the two component model by delaying the release of flood water from the catchment. Bank storage occurs when high river levels associated with flood water reverses the hydraulic gradient between surface water and groundwater. River water flows into the riparian zone, where it is stored until the flood water recede. The water held in the banks then drains back into the river over time scales ranging from days to months as the hydraulic gradient returns to pre-flood levels. If the frequency and amplitude of flood events is high enough, water held in bank storage can potentially perpetually remain between the regional groundwater system and the river. In this work we focus on the role of bank storage in buffering river salinity levels against saline regional groundwater on lowland sections of the Avon River, Victoria, Australia. We hypothesize that the frequency and magnitude of floods will strongly influence the salinity of the stream water as banks fill and drain. A bore transect (5 bores) was installed perpendicular to the river and were instrumented with head and electrical conductivity loggers measuring for two years. We also installed a continuous 222Rn system in one bore. This data was augmented with long-term monthly EC from the river. During high rainfall events very fresh flood waters from the headwaters infiltrated into the gravel river banks leading to a dilution in EC and 222Rn in the bores. Following the events the fresh water drained back into the river as head gradients reversed. However the bank water salinities remained ~10x lower than regional groundwater levels during most of the time series, and only slightly above river water. During 2012 SE Australia

Partition function expansion on region graphs and message-passing equations

International Nuclear Information System (INIS)

Zhou, Haijun; Wang, Chuang; Xiao, Jing-Qing; Bi, Zedong

2011-01-01

Disordered and frustrated graphical systems are ubiquitous in physics, biology, and information science. For models on complete graphs or random graphs, deep understanding has been achieved through the mean-field replica and cavity methods. But finite-dimensional 'real' systems remain very challenging because of the abundance of short loops and strong local correlations. A statistical mechanics theory is constructed in this paper for finite-dimensional models based on the mathematical framework of the partition function expansion and the concept of region graphs. Rigorous expressions for the free energy and grand free energy are derived. Message-passing equations on the region graph, such as belief propagation and survey propagation, are also derived rigorously. (letter)

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...

Characteristics of soil seed bank in plantation forest in the rocky mountain region of Beijing, China

Institute of Scientific and Technical Information of China (English)

HU Zeng-hui; YANG Yang; LENG Ping-sheng; DOU De-quan; ZHANG Bo; HOU Bing-fei

2013-01-01

We investigated characteristics (scales and composition) of soil seed banks at eight study sites in the rocky mountain region of Beijing by seed identification and germination monitoring.We also surveyed the vegetation communities at the eight study sites to explore the role of soil seed banks in vegetation restoration.The storage capacity of soil seed banks at the eight sites ranked from 766.26 to 2461.92 seedsm-2.A total of 23 plant species were found in soil seed banks,of which 63-80％of seeds were herbs in various soil layers and 60％ of seeds were located in the soil layer at 0-5 cm depth.Biodiversity indices indicated clear differences in species diversity of soil seed banks among different plant communities.The species composition of aboveground vegetation showed low similarity with that based on soil seed banks.In the aboveground plant community,the afforestation tree species showed high importance values.The plant species originating from soil seed banks represented natural regeneration,which also showed relatively high importance values.This study suggests that in the rocky mountain region of Beijing the soil seed banks played a key role in the transformation from pure plantation forest to near-natural forest,promoting natural ecological processes,and the role of the seed banks in vegetation restoration was important to the improvement of ecological restoration methods.

Tissue banking in australia.

Science.gov (United States)

Ireland, Lynette; McKelvie, Helen

2003-01-01

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

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...

Pass-through of Change in Policy Interest Rate to Market Rates

OpenAIRE

M. Idrees Khawaja; Sajawal Khan

2008-01-01

This paper examines the pass through of the change in policy interest rate of the central bank of Pakistan to market interest rates. The market rates examined include KIBOR, six month deposit rate and weighted average lending rate. More or less complete pass-through of the change in policy rate to KIBOR is observed within one month. However, the magnitude of change in policy rate to deposit and lending rate is not only low but is slow as well. The pass-through to the weighted average lending ...

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

Directory of Open Access Journals (Sweden)

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.

The impact of monetary policy on bank lending rate in South Africa

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B.T. Matemilola

2015-03-01

Full Text Available The pass-through of the policy rates to bank lending rate is an important subject matter because it measures the effectiveness of monetary policy to control inflation or stabilize the economy. This study investigates the long-run interest rate pass-through of the money market rate to the bank lending rate and asymmetric adjustment of the bank lending rate. The study applies the momentum threshold autoregressive and asymmetric error correction models. The asymmetric error correction results reveal that bank lending rate adjusts to a decrease in the money market rate in South Africa. The findings suggest that the South African commercial banks adjust their lending rate downward but the lending rate appears rigid upward, which supports the customer reaction hypothesis.

Measurement of flow by-passing and turbulent mixing in a model of a fast-reactor steam generator

International Nuclear Information System (INIS)

Little, A.J.; Fallows, T.; Central Electricity Generating Board, Leatherhead

1989-01-01

A description is given of measurements of edge by-pass velocities and turbulent mixing in a model of a fast reactor steam generator. The velocity measurements were carried out using a DANTEC triple-split fibre probe which allowed both the speed and flow angle of a velocity vector to be measured in a plane normal to the axis of the probe. The measurements revealed the presence of reverse flows in the by-pass and adjacent in-bank channels downstream of a grid plate. The magnitude of the by-pass flow was reduced considerably by the insertion of a kicker grid at the mid point between grid plates. Turbulent mixing measurements revealed that circumferential mixing in channels near the by-pass channel was up to 5 times greater than the radial mixing. The level of radial mixing at the edge of the bank was similar to that measured near the centre of the bank. A method of transposing mass diffusion measurements in air to thermal diffusivities of sodium is discussed. (orig.)

Boron in seawater of Wadge bank region in the Indian Ocean

Digital Repository Service at National Institute of Oceanography (India)

Shirodkar, P.V.; Sankaranarayanan, V.N.

In the upper 200 m in the Wadge Bank region B varies from 3.09 to 4.95 mg.kg/1. B/Cl ratio ranges from 0.159 to 0.256. Depthwise distribution of B shows its inverse relationship with dissolved oxygen, direct relationship with inorganic phosphate...

Foreign bank entry and credit allocation in emerging markets

NARCIS (Netherlands)

Degryse, H.A.; Havrylchyk, O.; Jurzyk, E.; Kozak, S.

2012-01-01

Earlier studies have documented that foreign banks charge lower lending rates and interest spreads than domestic banks. We hypothesize that this may stem from the superior efficiency of foreign entrants that they decide to pass onto borrowers (“performance hypothesis”), but could also reflect a

Tissue banking in a regional hospital: a promising future concept? First report on fresh frozen tissue banking in a hospital without an integrated institute of pathology.

Science.gov (United States)

von Strauss und Torney, Marco; Güller, Ulrich; Rezaeian, Farid; Brosi, Philippe; Terracciano, Luigi; Zuber, Markus

2012-10-01

Vital tissue provided by fresh frozen tissue banking is often required for genetic tumor profiling and tailored therapies. However, the potential patient benefits of fresh frozen tissue banking are currently limited to university hospitals. The objective of the present pilot study--the first one in the literature--was to evaluate whether fresh frozen tissue banking is feasible in a regional hospital without an integrated institute of pathology. Patients with resectable breast and colon cancer were included in this prospective study. Both malignant and healthy tissue were sampled using isopentan-based snap-freezing 1 h after tumor resection and stored at -80 °C before transfer to the main tissue bank of a University institute of pathology. The initial costs to set up tissue banking were 35,662 US$. Furthermore, the running costs are 1,250 US$ yearly. During the first 13 months, 43 samples (nine samples of breast cancer and 34 samples of colon cancer) were collected from 41 patients. Based on the pathology reports, there was no interference with standard histopathologic analyses due to the sample collection. This is the first report in the literature providing evidence that tissue banking in a regional hospital without an integrated institute of pathology is feasible. The interesting findings of the present pilot study must be confirmed by larger investigations.

Customers’ Switching Behavior In Banking In The Special Region Of Yogyakarta Province Indonesia

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Rofiul Wahyudi

2017-11-01

Full Text Available This study aims to provide influence on the customer‟s switching behavior in islamic banking in the special region of Yogyakarta Province, Indonesia. Design/Methodology/Approach Multiple Regression were used to examine the influence of attitude towards switching, subjective norm, financial bonding, social bonding, structural bonding toward switching customers‟ behavior. Findings The result responses the variable of the attitude towards and subjective norm and financial bonding, social bonding, structural bonding significant to the switching intention to a conventional bank. Findings indicated it interaction between switching intention and customer satisfaction for customers‟ switching behavior. Research implication and recommendations Perhaps the most important finding of this research is those banking players particularly improvement customer satisfaction and identifying most factors driving intention to customers‟ switching.

Change Management and Capacity Building for Regional Banking ...

African Journals Online (AJOL)

From the regulatory authorities led by the Central Bank of Nigeria (CBN), to each of the 25 banks that emerged, the successful conclusion of the first phase of banking reforms demonstrates a level of change management capacity deemed vital in successful corporate transformation. However, to successfully position ...

Implementation of the Indonesian Banking Architecture as a Blueprint of the Direction And Order of the National Banking System: Empirical Study of Indonesian Commercial Banking

Directory of Open Access Journals (Sweden)

Devy M. Puspitasari

2015-03-01

Full Text Available This study aims to examine the influence of Capital Adequacy Ratio (CAR, earning assets, and liquidity against Return on Asset (ROA in the conventional bank which has the biggest asset listed in Indonesian Stock Exchange (IDX during the period of 2006 to 2010. This research used time series data from Bank Indonesia’s report and financial reports annually published by banking firms listed in IDX. After passing the purposive sampling, there were 27 conventional banks listed in IDX as sample in this study. By using multiple regression analysis (F-test, results showed that CAR, Non Performing Loan (NPL, and Non Performing Loan (NPL collectively have significant influence on ROA. However, by using individual analysis (t-test, NPL has a negative and significant influence on ROA, while CAR and LDR have no significant influence on ROA.

Uji Empiris Mekanisme Transmisi Kebijakan Moneter: Interest Rate Pass-through Sektor Perbankan Indonesia

OpenAIRE

Wibowo, Buddi; Lazuardi, Eduardo

2016-01-01

Empirical Evidence of Monetary Policy Transmission Mechanism: Indonesia Banking Sector Interest Rate Pass-throughRobust measurement of interest rates speed of adjustment to monetary policy changes is very important to obtain acomprehensive understanding on the monetary transmission process and the eectiveness of monetary policy. The speed of adjustment are determined by number of frictions that interfere with the transmission of monetary policy.We measure Indonesia interest rate pass-through ...

BANKING INTERMEDIATION AND CONSEQUENCES OF FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Medar Lucian-Ion

2012-12-01

Full Text Available The financial intermediation of bank institutions, has an essential role in mobilising of the available funds and their distribution in various products and services, for economic growth. The extent that banking system is in distress or passing through a period of crisis, then, everything turns into a general crisis, especially that, in some states, natural and legal persons have been learned ,,to live’’ on the credits.The effectiveness of banking intermediation activity in Romania depends on how fast the market is enabled under the influence of the new European regulations. The Romanian market in all its forms is the second largest in the EU, and the banking system is almost entirely made up of banks with foreign capital. The romanian banking market has not suffered so much because of the financial crisis. To the extent that banking institutions provide the necessary funds, Romania has important resources for the transition to a new economic cycle based on sustainable development.

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

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

Changes in Quantitative Indicators of Concentration in the Countries of this Region during the Transformation Period of Banking Systems

Directory of Open Access Journals (Sweden)

Roman Šubić

2010-07-01

Full Text Available The reshaping processes of the banking systems in the countries of this region that involved the reorganization and restructuring of insolvent banks as well as the privatization of the state banks were aimed at setting up a framework within which banks would operate according to the modern market principles. With the opening of the banking market to foreign capital, the foreign banks have gained access to the banking market and have over a ten-year period significantly increased their market share. Due to the existing barriers to entry into the market, foreign-owned banks tended to use the strategy of buying shares in already-established banks rather than starting up a new bank. Comparisons between concentration indicators showed that there are differences among countries and mostly these differences result from the differences in the size of the banking systems and the size of national economies. Still, the values of quantitative indicators of concentration in countries with larger banking systems are lower than in countries with fewer banks.

EFISIENSI BANK PEMBANGUNAN DAERAH: PENDEKATAN STOCHASTIC FRONTIER

Directory of Open Access Journals (Sweden)

Ahmad Husein Fadhlullah

2016-01-01

Full Text Available The objective of this research is to analyze the efficiency rate at Islamic regional banks (BPD in Indonesia, with case of 15 Islamic regional banks from 2008 – 2012. The method that used in this research is stochastic frontier analysis approach (SFA, which uses the input variable (such as human resources cost, administration cost, and other expenses and the output variable is SFA (operational income. The average efficiency rate from 15 Islamic regional banks from 2008 – 2012 with SFA method is 53.21 percent and all of the Islamic regional banks doesn’t achieve the 100 percent efficiency. The most efficient banks is Islamic regional bank of Kalimantan Barat which the efficiency rate achieve 90.42 percent and the most inefficiency banks is Islamic regional bank of Sumatera Barat. The average efficiency rate from 2008-2012 is always increase each year. In 2008 the average efficiency rate only 33.57 percent and in the last of 2012 achieve 71.81 percent.DOI: 10.15408/sjie.v4i1.2291

Evaluation of regional pulmonary blood flow in mitral valvular heart disease using single-pass radionuclide angiocardiography

International Nuclear Information System (INIS)

Chang-Soon Koh; Byung Tae Kim; Myung Chul Lee; Bo Yeon Cho

1982-01-01

Pulmonary hypertension in mitral valvular cardiac disease has been evaluated in 122 patients by a modified upper lung/lower count ratio using single-pass radionuclide angiocardiography. The mean upper lung/lower lung radio correlates well with pulmonary artery mean (r=0.483) and wedge pressure (r=0.804). After correction surgery of the cardiac valve, the ratio decreases and returns to normal range in patients judged clinically to have good surgical benifit. This modified method using single-pass technique provides additional simple, reproducible and nontraumatic results of regional pulmonary blood flow and appears to be correlated with the degree of pulmonary hypertension in mitral heart disease

Polonium-210 in marine bivalves inhabiting a wedge bank region, South India

International Nuclear Information System (INIS)

Feroz Khan, M.; Godwin Wesley, S.; Rajan, M.P.

2013-01-01

Determination of background radiation dose-rate is important in the process of assessing risks to the environment from exposure to living organisms both in terms of deriving the incremental dose-rate and as a point of reference for evaluating the significance of the exposure level. In the present study, 210 Po was quantified in two species of bivalve mollusks commonly available from so called a 'wedge bank region' of southern tip of India. Based on the activity concentration in media and in the whole body, an external and internal dose rate assessment to green mussel Perna viridis and brown mussel Perna indica due to 210 Po was derived using ERICA assessment tool. The samples were collected at the intertidal region along the wedge bank region of southern tip of India during 2009 to 2010. The measurement contributes to a better knowledge of these elements, since no data exists in this region. 5-10 g of each tissue sample was wet-digested using 70% concentrated HNO 3 followed by the addition of 40% H 2 O 2 along with 20 8Po tracer (0.2 Bq). The normality of the data set was checked using Lilliefors test (ne''50) and potential outliers, if any, were tested using Walsh's test (n>60). Using the measured 210 Po activity in molluscs, sediments and seawater, dose assessment was performed using the Tier 2 ERICA environment dose assessment tool 1.0

Ultrastructural evaluation of multiple pass low energy versus single pass high energy radio-frequency treatment.

Science.gov (United States)

Kist, David; Burns, A Jay; Sanner, Roth; Counters, Jeff; Zelickson, Brian

2006-02-01

The radio-frequency (RF) device is a system capable of volumetric heating of the mid to deep dermis and selective heating of the fibrous septa strands and fascia layer. Clinically, these effects promote dermal collagen production, and tightening of these deep subcutaneous structures. A new technique of using multiple low energy passes has been described which results in lower patient discomfort and fewer side effects. This technique has also been anecdotally described as giving more reproducible and reliable clinical results of tissue tightening and contouring. This study will compare ultrastructural changes in collagen between a single pass high energy versus up to five passes of a multiple pass lower energy treatment. Three subjects were consented and treated in the preauricular region with the RF device using single or multiple passes (three or five) in the same 1.5 cm(2) treatment area with a slight delay between passes to allow tissue cooling. Biopsies from each treatment region and a control biopsy were taken immediately, 24 hours or 6 months post treatment for electron microscopic examination of the 0-1 mm and 1-2 mm levels. Sections of tissue 1 mm x 1 mm x 80 nm were examined with an RCA EMU-4 Transmission Electron Microscope. Twenty sections from 6 blocks from each 1 mm depth were examined by 2 blinded observers. The morphology and degree of collagen change in relation to area examined was compared to the control tissue, and estimated using a quantitative scale. Ultrastructural examination of tissue showed that an increased amount of collagen fibril changes with increasing passes at energies of 97 J (three passes) and 122 J (five passes), respectively. The changes seen after five multiple passes were similar to those detected after much more painful single pass high-energy treatments. This ultrastructural study shows changes in collagen fibril morphology with an increased effect demonstrated at greater depths of the skin with multiple low-fluence passes

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....

A Green Bank Telescope Survey of Large Galactic H II Regions

Science.gov (United States)

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

2018-02-01

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

The Determinants of Employee Productivity in Regional Office of Bank Negara Indonesia Manado

OpenAIRE

Mokolensang, Pricilia Monica

2013-01-01

A company can achieve success when supported with a good employee productivity that can provide benefits to the company. In banking company such as BNI requires to increase employee productivity that can assist the company in the achievement of the goals of the company itself. This research has the objective to know the factors that drive employee productivity in the Regional Office of BNI Manado. The population examined is all the employees who work in Regional Office of BNI Manado with 70 e...

Financial gradualism and banking crises in North Africa region: an investigation by a panel logit model

OpenAIRE

KHATTAB, Ahmed; IHADIYAN, Abid

2017-01-01

Abstract. In order to overcome the troubles of the crisis in the seventies, North African countries have adopted financial liberalization policies to enhance their economic growth. Moreover, these policies have affected the stability of their banking systems. The purpose of this study is to test the impact of financial liberalization on the probability of appearance of banking crises which covers a sample of four countries of the North Africa region during the period 1970-2003 by using a pane...

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.

Contact conditions in skin-pass rolling

DEFF Research Database (Denmark)

Kijima, Hideo; Bay, Niels

2007-01-01

The special contact conditions in skin-pass rolling of steel strip is analysed by studying plane strain upsetting of thin sheet with low reduction applying long narrow tools and dry friction conditions. An extended sticking region is estimated by an elasto-plastic FEM analysis of the plane strain...... upsetting. This sticking region causes a highly inhomogeneous elasto-plastic deformation with large influence of work-hardening and friction. A numerical analysis of skin-pass rolling shows the same contact conditions, i.e. an extended sticking region around the center of the contact zone. The calculated...... size of the sticking region with varying contact length and pressure/reduction is experimentally verified by plane strain upsetting tests measuring the local surface deformation of the work pieces after unloading....

Communicative principles among corporate clients and regional branches of commercial banks

OpenAIRE

Asie TSINTSADZE; Lela ONIANI

2014-01-01

The aim of this article is to discuss the share of consumption taken by the corporate clients in the autonomous republic of Adjara. It is remarkable that the most of the share of banks’ total incomes are formed exactly on the base of accumulated resource accounts of corporate clients. So in order to attract corporate clients in the region, there is a great and strong competition among the banks. According to the above mentioned information, we are discussing several principles concerning to t...

ATM Technology and Banking System in West African Sub-Region ...

African Journals Online (AJOL)

User

2011-04-19

Apr 19, 2011 ... bank account makes financial transactions a breeze by eliminating the waste of writing cheques or the dangers of carrying large sums of cash. The debit cards benefit both the card holders and the banks. Some of the benefits of ATM technology is bank decongestion, reduced cost of transactions for both ...

Geology and uranium favorability of the Sonora Pass region, Alpine and Tuolumne Counties, California

Energy Technology Data Exchange (ETDEWEB)

Rapp, J.S.; Short, W.O.

1981-06-01

Uranium mineralization at the Juniper Mine is restricted to host rocks of the Relief Peak Formation and is most common in coarse-grained lithic sandstone, conglomerate, and lithic wacke. The richest beds contain as much as 0.5% U/sub 3/O/sub 8/. Uranium is present as coffinite, uraninite, and unidentified minerals. Thorium/uranium ratios are generally low and erratic. Equivalent uranium determinations are low in comparison with chemical uranium values, indicating that uranium mineralization of the Juniper Mine is geologically young. Core drilling at 16 localities shows that widely separated exposures of the Relief Peak Formation have very similar lithology, geochemistry, and stratigraphy. Some sections are similar to the Juniper Mine section. Core from the bottom of drill hole SP-1 contains 83 ppM uranium, the greatest known concentration outside the mine area. Significant uranium deposits may be concealed beneath the thick Tertiary volcanic cover of the region. The quartz latitic Eureka Valley Tuff is fairly widespread in east-central California and western Nevada. It contains 12 to 14 ppM uranium and stratigraphically overlies the Relief Peak Formation. It is permeable and contains abundant alkali metals and volcanic glass. Because of its petrology, geochemistry, and position, this formation is the most likely source for uranium mineralization of the Sonora Pass region. It should be examined as a potential source rock in other areas with special regard to its relationship to carbonaceous sedimentary formations. The uraniferous granite pegmatitite dike that crops out in the Niagara Creek area appears too small to be a significant source rock. The most favorable rocks in the Sonora Pass region occur near the Juniper Mine and west of it, in the Dardanelles, the Whittakers Dardanelles, and the area of the Big Meadow Quadrangle. Potential uranium host rocks crop out in areas along the crest of the Sierra Nevada from Lake Tahoe to Yosemite.

Geology and uranium favorability of the Sonora Pass region, Alpine and Tuolumne Counties, California

International Nuclear Information System (INIS)

Rapp, J.S.; Short, W.O.

1981-06-01

Uranium mineralization at the Juniper Mine is restricted to host rocks of the Relief Peak Formation and is most common in coarse-grained lithic sandstone, conglomerate, and lithic wacke. The richest beds contain as much as 0.5% U 3 O 8 . Uranium is present as coffinite, uraninite, and unidentified minerals. Thorium/uranium ratios are generally low and erratic. Equivalent uranium determinations are low in comparison with chemical uranium values, indicating that uranium mineralization of the Juniper Mine is geologically young. Core drilling at 16 localities shows that widely separated exposures of the Relief Peak Formation have very similar lithology, geochemistry, and stratigraphy. Some sections are similar to the Juniper Mine section. Core from the bottom of drill hole SP-1 contains 83 ppM uranium, the greatest known concentration outside the mine area. Significant uranium deposits may be concealed beneath the thick Tertiary volcanic cover of the region. The quartz latitic Eureka Valley Tuff is fairly widespread in east-central California and western Nevada. It contains 12 to 14 ppM uranium and stratigraphically overlies the Relief Peak Formation. It is permeable and contains abundant alkali metals and volcanic glass. Because of its petrology, geochemistry, and position, this formation is the most likely source for uranium mineralization of the Sonora Pass region. It should be examined as a potential source rock in other areas with special regard to its relationship to carbonaceous sedimentary formations. The uraniferous granite pegmatitite dike that crops out in the Niagara Creek area appears too small to be a significant source rock. The most favorable rocks in the Sonora Pass region occur near the Juniper Mine and west of it, in the Dardanelles, the Whittakers Dardanelles, and the area of the Big Meadow Quadrangle. Potential uranium host rocks crop out in areas along the crest of the Sierra Nevada from Lake Tahoe to Yosemite

The Effort to Create Customer Engagement on Customer E_Banking (Empirical Studies on Bank BNI Regional Semarang

Directory of Open Access Journals (Sweden)

Alimuddin Rizal Rivai

2016-12-01

Full Text Available                     This study focused on testing the effect of variable customer value, support systems and knowledge of the customer's products to customer satisfaction and its impact on customer engagement. This study selects the object user's e-banking customers of Bank BNI Regional Semarang. The number of samples in this study of 100 respondents, using purposive sampling technique sampling. Processing data using SPSS version 16.0. Based on a statistical test using linear regression approach, then of seven hypothesis there are two hypotheses were rejected. The hypothesis is rejected is the influence of customer value on customer engagement, and support systems to customer engagement. While five other hypotheses, namely: the influence of the customer value, support systems, knowledge products to the satisfaction of the customer, as well as the effect of product knowledge and customer satisfaction on customer involvement is proven. Based on the results of this study, it can be concluded that to build customer engagement should be created customer satisfaction. While such satisfaction can be created through providing better customer value, the support system is up to date and easy, and provides knowledge products to customers continuously and thoroughly.

Skin banking at a regional burns centre-The way forward.

Science.gov (United States)

Keswani, Sunil Manohar; Mishra, Mukesh Gopinath; Karnik, Shilpa; Dutta, Shruti; Mishra, Mamata; Panda, Sangita; Varghese, Reshmi; Virkar, Tanvi; Upendran, Vaishna

2018-04-13

In India approximately 1 million people get burnt every year and most of them are from the lower or middle income strata. Therefore it is obligatory to find out an economic way of treatment for the affected populace. Since use of human skin allograft is the gold standard for the treatment of burn wound, in-house skin banking for a burn unit hospital is prerequisite to make the treatment procedure affordable. Although, there was one skin bank at India till 2009, but it was difficult for a single bank to cover the entire country's need. Looking at the necessities, National Burns Centre (a tertiary burn care centre) along with Rotary International and Euro Skin Bank collaborated and developed an effective cadaveric skin banking model in Mumbai, Maharashtra in 2009. Initial two to three years were formation phase; by the year 2013 the entire system was organized and started running full fledged. The model has also been replicated in other states of India to accommodate the large burn population of the country. This paper therefore, gives a step by step account of how the bank evolved and its present status. Copyright © 2017. Published by Elsevier Ltd.

Construction of Fine Particles Source Spectrum Bank in Typical Region and Empirical Research of Matching Diagnosis

Science.gov (United States)

Wang, Xing; Sun, Wenliang; Guo, Min; Li, Minjiao; Li, Wan

2018-01-01

The research object of this paper is fine particles in typical region. The construction of component spectrum bank is based on the technology of online source apportionment, then the result of the apportionment is utilized to verify the effectiveness of fine particles component spectrum bank and which also act as the matching basis of online source apportionment receptor sample. On the next, the particle source of air pollution is carried through the matching diagnosis empirical research by utilizing online source apportionment technology, to provide technical support for the cause analysis and treatment of heavy pollution weather.

Do central banks respond to exchange rate movements? Some new evidence from structural estimation

OpenAIRE

Wei Dong

2013-01-01

This paper investigates the impact of exchange rate movements on the conduct of monetary policy in Australia, Canada, New Zealand and the United Kingdom. We develop and estimate a structural general equilibrium two-sector model with sticky prices and wages and limited exchange rate pass-through. Different specifications for the monetary policy rule and the real exchange rate process are examined. The results indicate that the Reserve Bank of Australia, the Bank of Canada and the Bank of Engla...

Normative evaluation of blood banks in the Brazilian Amazon region in respect to the prevention of transfusion-transmitted malaria

Directory of Open Access Journals (Sweden)

Daniel Roberto Coradi Freitas

2014-12-01

Full Text Available Objective:To evaluate blood banks in the Brazilian Amazon region with regard to structure and procedures directed toward the prevention of transfusion-transmitted malaria (TTM.Methods:This was a normative evaluation based on the Brazilian National Health Surveillance Agency (ANVISA Resolution RDC No. 153/2004. Ten blood banks were included in the study and classified as 'adequate' (≥80 points, 'partially adequate' (from 50 to 80 points, or 'inadequate' (<50 points. The following components were evaluated: 'donor education' (5 points, 'clinical screening' (40 points, 'laboratory screening' (40 points and 'hemovigilance' (15 points.Results:The overall median score was 49.8 (minimum = 16; maximum = 78. Five blood banks were classified as 'inadequate' and five as 'partially adequate'. The median clinical screening score was 26 (minimum = 16; maximum = 32. The median laboratory screening score was 20 (minimum = 0; maximum = 32. Eight blood banks performed laboratory tests for malaria; six tested all donations. Seven used thick smears, but only one performed this procedure in accordance with Ministry of Health requirements. One service had a Program of External Quality Evaluation for malaria testing. With regard to hemovigilance, two institutions reported having procedures to detect cases of transfusion-transmitted malaria.Conclusion:Malaria is neglected as a blood–borne disease in the blood banks of the Brazilian Amazon region. None of the institutions were classified as 'adequate' in the overall classification or with regard to clinical screening and laboratory screening. Blood bank professionals, the Ministry of Health and Health Surveillance service managers need to pay more attention to this matter so that the safety procedures required by law are complied with.

Discipline as a means of production: A study based on a disciplinary system in a French regional bank

Directory of Open Access Journals (Sweden)

Lioner Honore

2004-01-01

Full Text Available The purpose of this paper is to investigate the way in which banks take into account the transformation of both the substance of their activity and the framework governing it. This relates to the way they do (or do not transform the organization of the production process when its substance significantly changes, as well as to the key factors governing their commercial and financial success. The underlying idea is that, for some banks, taking these mutations into account has resulted in changing the way they operate on the basis of “economics of discipline”. The first part of this article presents the main elements of the theory of organizational discipline. The aim is to present the conceptual tools used to analyze the disciplinary system of a bank. The second part of the article gives an example of a disciplinary system based on the study of a French regional bank.

Analysis on Sustainable Development Management Model of Village Banks - Based on Bayan Rongxing Village Bank in Heilongjiang Province

Institute of Scientific and Technical Information of China (English)

Wang shuang; Wang Ji-heng; Liu Bing; Yu Xiao-wen

2015-01-01

This paper summarized the management models of village banks in China. We compared and analyzed different management models of four village banks in different regions on four aspects: regional agriculture feature, loan for farmers, loan for enterprises and the construction of network, then came to the conclusion that, if the village banks' health development can realize, they must pay attention to innovating in loan patterns as well as material loan and starting out the network development.

Bank concentration, country income and financial development in ...

African Journals Online (AJOL)

kirstam

between bank concentration and financial development in the SADC region. ... 5The study findings suggest that bank assets in SADC are concentrated in ... a country's cities/administrative regions, or across countries within a regional ... sector emphasises the importance of local embeddedness, networks, ...... The Case of.

Call for a Spatial Classification of Banking Systems through the Lens of SME Finance - Decentralized versus Centralized Banking in Germany as an Example

OpenAIRE

Gärtner, Stefan; Flögel, Franz

2014-01-01

We are calling for comparisons of banking and banking systems from a spatial perspective. Therefore, this paper develops a classification identifying decentralized and centralized banking according to two characteristics: geographical market orientation (regional vs. supraregional) – to determine whether banks facilitate regional savings-investment cycles – and place of decision-making (proximity vs. distance) – to identify whether the flow of soft information is supported in SME lending. The...

ATM Technology and Banking System in West African Sub-Region ...

African Journals Online (AJOL)

Automated Teller Machine (ATM) technology has had its significant impact in banking system in Nigeria and some other West African Countries. The most significant impact of ATM technology is the customer's ability to withdraw money outside banking hours. But this feat achieved by ATM technology is not without ...

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

Directory of Open Access Journals (Sweden)

Shailesh Limbad

2013-10-01

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

The efficiency effects of bank mergers: An analysis of case studies in Vietnam

Directory of Open Access Journals (Sweden)

Tu DQ Le

2017-02-01

Full Text Available This paper employs Data Envelopment Analysis to examine the relative efficiency for Vietnamese banks from 2008 to 2015. Efficiency level is relatively high and remains stable over the examined period, suggesting the banking system is less affected by the global financial crisis. More specifically, technical efficiency and scale efficiency in Vietnamese banking is examined when controlling for problem loans. We suggest that controlling for the exogenous impact of problem loans is important for joint-stock banks. Furthermore, our results do not support the hypothesis that acquiring banks are more efficient than the acquired banks. The efficiency improved in majority of merger cases and was not related to acquiring bank’s efficiency advantage over its targets. Small-and medium- banks should be promoted in future acquisitions as a means to enjoying efficiency gains. Finally, there are mixed results on the extent to which the benefits of efficiency gains are passed on to the public.

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.

Factors Impacting Bank Net Interest Margin and the Role of Monetary Policy: Evidence from Turkey

Directory of Open Access Journals (Sweden)

Muhammed Hasan Yılmaz

2017-10-01

Full Text Available In this study, we investigate factors affecting net interest margin (NIM of commercial banks in Turkey. Especially, our results highlight the relation between unconventional monetary policy shocks and bank margins. To this end, first, we conduct an identification analysis about which parameters of asymmetric interest corridor framework are important in explaining variations in NIM. Using industry-level data, we show that there exists a pass through from BIST interbank overnight repo/reverse repo market rate and weighted average cost of funding (WACF to bank loan and deposit rates. As a result of reduced-form Vector Autoregression (VAR analysis we find the existence of a transmission mechanism from BIST rate and WACF to commercial loan rate, consumer loan rate and deposit rate. Same pass through to loan and deposit rates is also shown in individual bank level with the Panel Vector Autoregression (Panel VAR analysis in the case of 16 commercial banks in Turkey during the period 2011Q1-2016Q1. After the identification analysis, we examine the relationship between NIM and policy rates through System Generalized Method of Moments (GMM techniques by controlling bank specific, industry related and macroeconomic factors. We find that a change in the monetary policy rate has significant and positive impact on NIM. Among bank-specific factors, equity ratio and operating expenses are found to be significantly affecting NIM during the sample period. Our empirical findings also stress the significance of lag values of NIM. Estimations conducted with standardized variables indicate that economic significance of lag values and bank specific variables are larger than that of policy.

Progress in China’s Banking Sector Reform; Has Bank Behavior Changed?

OpenAIRE

Richard Podpiera

2006-01-01

Substantial effort has been devoted to reforming China's banking system in recent years. The authorities recapitalized three large state-owned banks, introduced new governance structures, and brought in foreign strategic investors. However, it remains unclear the extent to which currently reported data reflect the true credit risk in loan portfolios and whether lending decisions have started to be taken on a commercial basis. We examine lending growth, credit pricing, and regional patterns in...

Food Banks, United States, 2015, EPA Region 9

Data.gov (United States)

U.S. Environmental Protection Agency — This GIS dataset contains point features that represent facilities that recover wasted food to feed people across theUS. Food bank information was collected in 2015...

Community in Credit Unions: Has banking regulationimpaired CSR in Australian Customer Owned Banks?

Directory of Open Access Journals (Sweden)

Dianne McGrath

2017-02-01

Full Text Available This paper presents a sector scan of a sample of Australian Credit Unions and Mutual Banks to examine the CSR reporting from the perspective of the three pillars model proposed by vanOorschot, de Hoog, van der Steen and van Twist (2013. It is argued that the pillar requiringco-operatives to ensure activities which ‘aim for change’, should promote increasing adoptionof CSR. The paper theorises that regulatory requirements imposed in Australia on all bankinginstitutions carry a higher proportional cost to the customer owned banking sector than theshareholder based commercial banks. This consumption of the limited financial resourcesavailable in this sector of banking services, are inhibiting regional Customer Owned Bankingproviders, as co-operative organisations, to fulfil the required co-operative principle to instigatechange for the betterment of communities. This failure could signal the demise of some entitiesin the jurisdiction of Customer Owned Banking.

SMEs, banks and the spatial differentiation of access to finance

OpenAIRE

Zhao, T.; Jones-Evans, D.

2016-01-01

By utilizing the SME Finance Monitor and a unique dataset on the geographical location of all bank branches in 11 UK economic regions, this paper examines the relevance of spatial differentiation on SMEs’ access to bank finance during the period of economic weakness following the 2007 financial crisis. We find evidence suggesting the presence of a regional-specific effect on SMEs’ access to bank finance. Our findings show that greater functional distance between bank headquarters and branches...

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

Directory of Open Access Journals (Sweden)

Dwi Ari Setyo Nugroho

2015-07-01

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

Invited review: climate change impacts in polar regions: lessons from Antarctic moss bank archives.

Science.gov (United States)

Royles, Jessica; Griffiths, Howard

2015-03-01

Mosses are the dominant plants in polar and boreal regions, areas which are experiencing rapid impacts of regional warming. Long-term monitoring programmes provide some records of the rate of recent climate change, but moss peat banks contain an unrivalled temporal record of past climate change on terrestrial plant Antarctic systems. We summarise the current understanding of climatic proxies and determinants of moss growth for contrasting continental and maritime Antarctic regions, as informed by 13C and 18O signals in organic material. Rates of moss accumulation are more than three times higher in the maritime Antarctic than continental Antarctica with growing season length being a critical determinant of growth rate, and high carbon isotope discrimination values reflecting optimal hydration conditions. Correlation plots of 13C and 18O values show that species (Chorisodontium aciphyllum / Polytrichum strictum) and growth form (hummock / bank) are the major determinants of measured isotope ratios. The interplay between moss growth form, photosynthetic physiology, water status and isotope composition are compared with developments of secondary proxies, such as chlorophyll fluorescence. These approaches provide a framework to consider the potential impact of climate change on terrestrial Antarctic habitats as well as having implications for future studies of temperate, boreal and Arctic peatlands. There are many urgent ecological and environmental problems in the Arctic related to mosses in a changing climate, but the geographical ranges of species and life-forms are difficult to track individually. Our goal was to translate what we have learned from the more simple systems in Antarctica, for application to Arctic habitats. © 2014 John Wiley & Sons Ltd.

Bank Bailouts and Moral Hazard : Evidence from Germany

NARCIS (Netherlands)

Dam, L.; Koetter, M.

We use a structural econometric model to provide empirical evidence that safety nets in the banking industry lead to additional risk taking. To identify the moral hazard effect of bailout expectations on bank risk, we exploit the fact that regional political factors explain bank bailouts but not

Strategi Ekspansi Penyaluran Kredit UKM (Studi Kasus PT Bank BJB Tbk)

OpenAIRE

Hidayat, Ayat; Koesrindartoto, Deddy P

2013-01-01

Data of Bank Indonesia stated that Small Medium Enterprises (SME) loan portfolio by the end of April 2012 amounted to 20.65% of the total national banking loans. Currently the banks, ranging from the state owned banks, private banks, rural banks (BPR), joint venture banks, to foreign banks are competing to grab SME market. The reason is that the SME sector is a profitable and huge market. Bank BJB is one of the commercial banks based in West Java, where in the region, small medium enterprises...

The necessity of strengthening the cooperation between tissue banks and organ transplant organizations at national, regional, and international levels.

Science.gov (United States)

Morales Pedraza, Jorge

2013-12-01

The donation of tissues and organs increases significantly when tissue banks and organ transplant organizations work together in the procurement of organs and tissues at donor sources (hospitals, coroners system, organ procurement agencies, and funeral homes, among others). To achieve this important goal, national competent health authorities should considered the establishment of a mechanism that promote the widest possible cooperation between tissue banks and organ transplant organizations with hospitals, research medical institutions, universities, and other medical institutions and facilities. One of the issues that can facilitate this cooperation is the establishment of a coding and traceability system that could identify all tissues and organs used in transplant activities carried out in any country. The promotion of national, regional, and international cooperation between tissue banks and organ transplant organizations would enable the sharing of relevant information that could be important for medical practice and scientific studies carried out by many countries, particularly for those countries with a weak health care system.

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.

Energy savings from transit passes : an evaluation of the University at Buffalo NFTA transit pass program for students, faculty, and staff.

Science.gov (United States)

2014-04-01

The University Transportation Research Center Region 2 supported a study entitled Connections Beyond Campus: An Evaluation of the Niagara Frontier Transportation : Authority University at Buffalo Transit Pass Program. Unlimited Access t...

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.

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.

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

Energy Technology Data Exchange (ETDEWEB)

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

2012-07-20

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

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

The off-shore Transport of China Coastal Current over Taiwan Bank in Winter

Science.gov (United States)

Liao, E.; Yan, X. H.; Oey, L. Y.; Jiang, Y.

2016-12-01

In winter, an off-shore flow of China Coastal Current can be inferred from satellite and in-situ data over the Taiwan Bank. The dynamics related to this off-shore flow have not been previously explained and are examined here using observations and model. Influenced by southward wind stress and opposing pressure gradient, currents over the Taiwan Bank can be classified into three regimes. The southward China Coastal Current flows pass the Taiwan Bank when the wind stress is stronger than a critical value which depends on the opposite pressure gradient force. The coastal current turns northward under a weak wind stress. Two opposite currents converge over the bank and a branch of the coastal current then turns into the northward warm current when these two forces are in balance. Analysis of the vorticity balance shows that the cross-isobath movement is related to a negative bottom stress curl over the Taiwan Bank. Both bottom Ekman transport and shear and curvature vorticity related to the weak bottom slope over the Taiwan Bank contribute to the bottom stress curl. Composite analyses using observations tend to support the model results.

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...

Cooperative credit banks and regional growth: creation of a local development model and analysis of the «G. Toniolo» Cooperative Credit Bank in San Cataldo

Directory of Open Access Journals (Sweden)

Massimo Cermelli

2015-11-01

Full Text Available The economic crisis has called into question not only the banking systems, but also the development model. Cooperative credit banks have returned to occupy a central role, demonstrating with his broad background that another way of providing financial services can exist. In Italy, cooperative credit banks are principal players in the banking economic system. One of those banks is the «G. Toniolo», which has become over the years a reference in the local banking system.Received: 07.06.2015Accepted: 30.07.2015

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

Bank Loan Loss Provisions, Investor Protection and the Macroeconomy

OpenAIRE

Ozili, Peterson K

2017-01-01

This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...

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

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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

FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

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Svetlana Lanets

2015-11-01

Full Text Available This paper is aimed at drawing attention to the current situation and further development of the banking sector in Russia. In particular, it seeks to discuss ways to improve the financial stability of banks. The article looks at the banking system, describes the important role of banks in the economy of the country and establishes correlation between stability of banks and socioeconomic development of the country. It is underlined that the stability of banks is one of the key factors in economic growth. The article analyzes how the banking system has settled after the financial crisis. The focus of the article is on the characteristics of the current financial crisis, compares it to the previous ones and describes the impact of the crisis to the banks. In particular, in the frame of this publication we present the analysis of the features of crisis impact on regional banks and the possibility of losing them in near future. This paper emphasizes the impact of the banking system on the country's economy and demonstrates the importance of financial stability of the banks. Moreover the article underlines a set of financial – economic/bank – government approaches to the issue of improving financial stability in the contemporary financial crisis. The paper summarizes the government role in the time of modern financial crisis and describes the existing strategies of the state. At the same time article shows the dual role of the government activities in preventing to put the finance sector under such stress as on the one hand it helps banks to increase the capitalization of banks while on the other hand it introduces Basel 3 principles, which reduce capital. The study is based on the methods of analysis, comparison, statistical data and theoretical generalization. The scientific and theoretical part of the survey is based on the official statistics and data from the Central Bank. We believe that the issue of bank’s stability, especially in this

Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

Science.gov (United States)

Barsky, Carl

This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

POSITIONING ANALYSIS OF ISLAMIC BANK vis-àvis CONVENTIONAL BANK IN INDONESIA USING PARAMETRIC SFA AND DFA METHODS15

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Ir Ascarya

2014-03-01

Full Text Available This study will measure and compare the efficiency of Conventional and Islamic banks in Indonesia using parametric approach stochastic frontier approach (SFA and distribution free approach (DFA. These measurements will provide comprehensive and robust results of efficiency of individual bank compare to its peer group. The results using parametric SFA show that in 2002, conventional banks (0.79 were slightly more efficient than Islamic banks (0.77, while in 2003, the efficiency of Islamic banks improved to 0.84 and the efficiency of conventional banks worsen to 0.76, so that Islamic banks have become more efficient than conventional banks. Conventional and Islamic banks have been improving and converged to the highest level of efficiency (1.00 since 2004. The DFA results show that conventional banks (0.89 are only slightly more efficient than Islamic banks (0.87. Conventional public bank (0.93 is the most efficient, while Islamic regional bank (0.84 is the least efficient. Moreover, efficient banks (conventional and Islamic do not always have lower OCOI (operating costs divided by operating income, while banks with better OCOI usually are more profitable (have better return on assets or ROA. Therefore, technically, Islamic banks have shown their readiness to compete head to head with their conventional counterparts. However, other aspects, such as, number of networks and branches, service quality, convenience, products and services provided, human resources, and pricing, should have become the next priorities for improvements.JEL Classification : C10, C33, G21, G28Keywords : Islamic Banking, Efficiency, Stochastic Frontier Approach, Distribution Free Approach

Regional simulations of the Faroe Bank Channel overflow using a σ-coordinate ocean model

Science.gov (United States)

Seim, Knut S.; Fer, Ilker; Berntsen, Jarle

Gravity-driven overflow of cold, deep and intermediate water from the Norwegian Sea through the Faroe Bank Channel carries significant volume flux and contributes to the ventilation of the deep North Atlantic Ocean. Here we present results from regional simulations of the Faroe Bank Channel overflow using a terrain-following ( σ-coordinate) ocean model with fine resolution near the sea bed. The model results are compared with observations of hydrography, currents and turbulence conducted in 2008. Turbulent dissipation rate and eddy diffusivity profiles inferred from the observations are used in refining the parameters of the turbulence closure. The model reproduces the observed vertical structure of the enhanced dissipation and diffusivity in the bottommost 50-60 m exceptionally well. In this region, shear-induced mixing dominates and is found to be well-represented by the applied second order turbulence closure models. Farther away from the boundary, however, in the 100-m thick interfacial layer and above the plume-ambient interface, the model does not resolve the observed mixing. The contribution of turbulence from breaking internal waves is one of the processes not represented in the model with significant consequences for observed entrainment and mixing. Regular sub-inertial oscillations (eddies) at 4-4.5 day period develop downstream of the sill, consistent with the observations. When averaged over several eddy events, the evolution of section-averaged plume properties over the oscillation period shows that the eddies significantly affect mixing and the descent rate of the plume. At a section 60 km downstream of the sill, eddies lead to periodic and abrupt cross-isobath descent of the overflow plume and an increase in dissipation rate by one order of magnitude.

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)

Continuum Mechanical Modelling of Skin-pass Rolling

DEFF Research Database (Denmark)

Kijima, Hideo; Bay, Niels

2007-01-01

The special contact conditions in skin-pass rolling of steel strip is analyzed by studying plane strain upsetting of thin sheet with low reduction applying long narrow tools and dry friction conditions. An extended sticking region is estimated by an elasto-plastic FEM analysis of the plane strain...

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...

Kinerja Efisiensi Teknis Bank Pembangunan Daerah: Pendekatan Data Envelopment Analysis (DEA

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Zaenal Abidin

2009-01-01

Full Text Available This research utilises the non-parametric frontier approach, Data Envelopment Analysis (DEA to analyze technical efficiency of the regional development banks (BPD. The data was during 2006-2007 covering 26 BPD in Indonesia. The result of study indicated that the regional of development bank did not achieve technical efficiency at the level of maximum (100%. On avarege, the big-asset of BPD are found to be more efficient than the middle and small asset. The study has important implications such as guiding the BPD policy regarding merger and bank intermediary. Since the study pinpoints the sources of inefficiency , it would also help banks with strategic planning Abstract in Bahasa Indonesia:Penelitian ini menggunakan pendekatan non-parametrik Data Envelopment Analysis untuk menganalisis efisiensi teknis Bank Pembangunan Daerah (BPD. Data yang digunakan selama 2006-2007 yang meliputi 26 bank BPD seluruh Indonesia. Hasil studi menunjukkan bahwa kinerja efisiensi teknis bank BPD belum mencapai tingkat efisiensi optimal 100 persen. Secara rata-rata, bank BPD beraset lebih besar lebih efisien daripada bank BPD beraset menengah dan kecil. Penelitian ini memiliki implikasi penting dalam rangka mengoptimalkan kinerja efisiensi maka bank kecil dan menengah harus melakukan merger dan meningkat fungsi intermediasi perbankan. 

FAKTOR DETERMINAN MARJIN BUNGA BERSIH BANK PEMBANGUNAN DAERAH DI INDONESIA: SUATU STUDI DATA PANEL

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Pamuji Gesang Raharjo

2017-03-01

Full Text Available This paper analyzed the determinants of net interest margins of the regional development banks (BPD inIndonesia. The empirical specification was focused on the reported net interest rate margin that was assumed tobe a function of two sets variables namely bank internal variable and macro economic factor as the externalvariable. The sample used in this study consisted of eight regional developments banks during the first threemonths of 2008 until the fourth three months of 2012. The results of panel data analysis with fixed effect modelshowed that bank internal factors such as Return on Asset (ROA and asset growth (LNSIZE had a contributionto the hight of net interest margin of the regional development banks (BPD in Indonesia. Furthermore, themarket interest rate as a macroeconomic variable had a positive relationship with the net interest margin of theregional development banks.

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.

The dance of duplicity in emerging markets: Using bank regulation and deposit insurance protection to enrich the elite

OpenAIRE

Kurt Dew

2011-01-01

We seek to identify the culpability of banks in resource misallocation in Mexico, Thailand and Turkey. Specifically we provide evidence of an agency problem in the government and banking systems of the three countries. Where governments pass laws and regulations consistent with modern capitalism for the purpose of deceiving investors and others, the door is opened to the use of deposit insurance and repeated promises of regulatory reform to transfer wealth from the efficient to the corrupt.

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

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…

INVESTIGATION OF SINGLE-PASS/DOUBLE-PASS TECHNIQUES ON FRICTION STIR WELDING OF ALUMINIUM

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N.A.A. Sathari

2014-12-01

Full Text Available The aim of this research is to study the effects of single-pass/ double-pass techniques on friction stir welding of aluminium. Two pieces of AA1100 with a thickness of 6.0 mm were friction stir welded using a CNC milling machine at rotational speeds of 1400 rpm, 1600 rpm and 1800 rpm respectively for single-pass and double-pass. Microstructure observations of the welded area were studied using an optical microscope. The specimens were tested by using a tensile test and Vickers hardness test to evaluate their mechanical properties. The results indicated that, at low rotational speed, defects such as ‘surface lack of fill’ and tunnels in the welded area contributed to a decrease in mechanical properties. Welded specimens using double-pass techniques show increasing values of tensile strength and hardness. From this investigation it is found that the best parameters of FSW welded aluminium AA1100 plate were those using double-pass techniques that produce mechanically sound joints with a hardness of 56.38 HV and 108 MPa strength at 1800 rpm compared to the single-pass technique. Friction stir welding, single-pass/ double-pass techniques, AA1100, microstructure, mechanical properties.

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

Tidal residual current and its role in the mean flow on the Changjiang Bank

Science.gov (United States)

Xuan, Jiliang; Yang, Zhaoqing; Huang, Daji; Wang, Taiping; Zhou, Feng

2016-02-01

The tidal residual current may play an important role in the mean flow in the Changjiang Bank region, in addition to other residual currents, such as the Taiwan Warm Current, the Yellow Sea Coastal Current, and the Yellow Sea Warm Current. In this paper, a detailed structure of the tidal residual current, in particular the meso-scale eddies, in the Changjiang Bank region is observed from model simulations, and its role in the mean flow is quantified using the well-validated Finite Volume Coastal Ocean Model. The tidal residual current in the Changjiang Bank region consists of two components: an anticyclonic regional-scale tidal residual circulation around the edge of the Changjiang Bank and some cyclonic meso-scale tidal residual eddies across the Changjiang Bank. The meso-scale tidal residual eddies occur across the Changjiang Bank and contribute to the regional-scale tidal residual circulation offshore at the northwest boundary and on the northeast edge of the Changjiang Bank, southeastward along the 50 m isobath. Tidal rectification is the major mechanism causing the tidal residual current to flow along the isobaths. Both components of the tidal residual current have significant effects on the mean flow. A comparison between the tidal residual current and the mean flow indicates that the contribution of the tidal residual current to the mean flow is greater than 50%.

Tidal residual current and its role in the mean flow on the Changjiang Bank

Energy Technology Data Exchange (ETDEWEB)

Xuan, Jiliang; Yang, Zhaoqing; Huang, Daji; Wang, Taiping; Zhou, Feng

2016-02-01

Tidal residual current may play an important role in the mean flow in the Changjiang Bank region, in addition to other residual currents, such as the Taiwan Warm Current, the Yellow Sea Coastal Current, and the Yellow Sea Warm Current. In this paper, a detailed structure of the tidal residual current, in particular the meso-scale eddies, in the Changjiang Bank region is observed from model simulations, and its role in the mean flow is quantified using the well-validated Finite Volume Coastal Ocean Model). The tidal residual current in the Changjiang Bank region consists of two components: an anticyclonic regional-scale tidal residual circulation around the edge of the Changjiang Bank and some cyclonic meso-scale tidal residual eddies across the Changjiang Bank. The meso-scale tidal residual eddies occur across the Changjiang Bank and contribute to the regional-scale tidal residual circulation offshore at the northwest boundary and at the northeast edge of the Changjiang Bank, southeastward along the 50 m isobath. Tidal rectification is the major mechanism causing the tidal residual current to flow along the isobaths. Both components of the tidal residual current have significant effects on the mean flow. A comparison between the tidal residual current and the mean flow indicates that the contribution of the tidal residual current to the mean flow is greater than 50%.

Internet Banking integration within the banking system

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2008-01-01

Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

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 ...

Passing and Catching in Rugby.

Science.gov (United States)

Namudu, Mike M.

This booklet contains the fundamentals for rugby at the primary school level. It deals primarily with passing and catching the ball. It contains instructions on (1) holding the ball for passing, (2) passing the ball to the left--standing, (3) passing the ball to the left--running, (4) making a switch pass, (5) the scrum half's normal pass, (6) the…

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Aditya Wardhana

2015-09-01

Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

The dance of duplicity in emerging markets: Using bank regulation and deposit insurance protection to enrich the elite

Directory of Open Access Journals (Sweden)

Kurt Dew

2011-03-01

Full Text Available We seek to identify the culpability of banks in resource misallocation in Mexico, Thailand and Turkey. Specifically we provide evidence of an agency problem in the government and banking systems of the three countries. Where governments pass laws and regulations consistent with modern capitalism for the purpose of deceiving investors and others, the door is opened to the use of deposit insurance and repeated promises of regulatory reform to transfer wealth from the efficient to the corrupt.

Measurement and Internalization of Systemic Risk in a Global Banking Network

Science.gov (United States)

Feng, Xiaobing; Hu, Haibo

2013-12-01

The negative externalities from an individual bank failure to the whole system can be huge. One of the key purposes of bank regulation is to internalize the social costs of potential bank failures via capital charges. This study proposes a method to evaluate and allocate the systemic risk to different countries/regions using a Susceptible-Infected-Removable (SIR) type of epidemic spreading model and the Shapley value (SV) in game theory. The paper also explores features of a constructed bank network using real globe-wide banking data.

Fostering public cord blood banking and research in Canada.

Science.gov (United States)

Isasi, Rosario; Dalpe, Gratien; Knoppers, Bartha M

2013-12-01

In June 2013, Canadian Blood Services (CBS) established the National Public Cord Blood Bank (NPCBB) accessible to Canadian and international patients and researchers. The NPCBB promotes efforts that contribute to research and improved clinical care by making units not suitable for banking or transplantation available for research. In the context of the NPCBB of the CBS, this article will focus on the practical tools (e.g., consent protocols) developed to optimize umbilical cord blood (UCB) banking and research while enabling ethical provenance of UCB stem cells. The Canadian approach represents an ideal model for comparison as it is a country in which the national public bank (and other regional/provincial public banks) coexists with private companies.

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...

Sand transport in a two pass internal cooling duct with rib turbulators

International Nuclear Information System (INIS)

Singh, Sukhjinder; Tafti, Danesh; Reagle, Colin; Delimont, Jacob; Ng, Wing; Ekkad, Srinath

2014-01-01

Highlights: • Highest particle impingement observed in the bend and first quarter of 2nd pass. • Average particle impingement per pitch is 28% higher in the second pass. • Rib faces are by far the most susceptible to particle impingement. • Particle impingement is sensitive to particle size. • Particle impingement is sensitive to wall collision model used. - Abstract: Jet engines often operate under dirty conditions where large amounts of particulate matter can be ingested, especially, sand, ash and dirt. Particulate matter in different engine components can lead to degradation in performance. The focus of this study is to investigate the sand transport and deposition in the internal cooling passages of turbine blades. A two pass stationary square duct with rib turbulators subjected to sand ingestion is studied using Large Eddy Simulations (LES). Each pass has ribs on two opposite walls and aligned normal to the main flow direction. The rib pitch to rib height (P/e) is 9.28, the rib height to channel hydraulic diameter (e/D h ) is 0.0625 and calculations have been carried out for a bulk Reynolds number of 25,000. Particle sizes in the range 0.5–25 μm are considered, with the same size distribution as found in Arizona Road Dust (medium). Large Eddy Simulation (LES) with a wall-model is used to model the flow and sand particles are modeled using a discrete Lagrangian framework. Results quantify the distribution of particle impingement density on all surfaces. Highest particle impingement density is found in the first quarter section of the second pass after the 180° turn, where the recorded impingement is more than twice that of any other region. It is also found that the average particle impingement per pitch is 28% higher in the second pass than the first pass. Results show lower particle tendency to impact the region immediately behind the rib in the first pass compared to the second pass where particle impingement is more uniform in the region

No evidence for enhanced processing of speech that is low-pass filtered near the edge frequency of cochlear dead regions in children.

Science.gov (United States)

Malicka, Alicja N; Wilson, Wayne J; Baer, Thomas; Munro, Kevin J; Baker, Richard J; Miluzzi, Deanna; Moore, Brian C J

2018-04-24

Cochlear dead regions (DRs) are regions in the cochlea where the inner hair cells and/or neurons are not functioning. Adults with extensive high-frequency DRs have enhanced abilities in processing sounds with frequencies just below the edge frequency, f edge , of the DR. It was assessed whether the same is true for children. Performance was compared for children aged 8 to 13 years with: DRs (group DR), hearing impairment but without DRs (group NODR), and normal hearing (group NH). Seven ears in each group were tested. Each ear in the DR group was matched in age and low-frequency hearing with an ear in the NODR group, and in age with an ear in the NH group, giving seven "triplets". Within each triplet, the percent correct identification of vowel-consonant-vowel stimuli was measured using stimuli that were low-pass filtered at f edge and 0.67f edge , based on the ear with a DR. For the hearing-impaired ears, stimuli were given frequency-selective amplification as prescribed by DSL 4.1. No significant differences in performance were found between groups for either low-pass cut-off frequency. Unlike adults, the children with DRs did not show enhanced discrimination of speech stimuli with frequencies below f edge .

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...

Food banking for improved nutrition of HIV infected orphans and vulnerable children; emerging evidence from quality improvement teams in high food insecure regions of Kiambu, Kenya.

Science.gov (United States)

Akulima, Muhamed; Ikamati, Rudia; Mungai, Margaret; Samuel, Muhula; Ndirangu, Meshack; Muga, Richard

2016-01-01

Estimated 236,548 People Living with HIV (PLHIV) were in Central-Eastern Kenya in 2013. Kiambu County had 46,656 PLHIV with 42,400 (91%) adults and 4,200(9%) children (1-14yrs). Amref Health Africa in Kenya, supported through USAID-APHIAplus KAMILI project, initiated two food banks to respond to poor nutritional status of the HIV infected children. Quality Improvement Teams were used to facilitate food-banking initiatives. The study aimed at assessing and demonstrating roles of community food-banking in improving nutrition status of HIV-infected children in food insecure regions. A pre and post-test study lasting 12 months (Oct 2013 to September 2014) conducted in Kiambu County, Kenya covering 103 HIV infected children. Two assessments were conducted before and after the food banking initiative and results compared. Child Status Index (CSI) and the Middle Upper Arm Circumference (MUAC) tools were used in data collection at households. Paired T-test and Wilcoxon test were applied for analysing MUAC and CSI scores respectively using the SPSS. There was a significant improvement in the children's nutrition status from a rating of 'bad' in CSI Median (IQR) score 2(2-1) before food banking to a rating of 'fair' in CSI Median (IQR) score 3(4-3) after food banking intervention (p=banking (p=banking is a community-based nutritional intervention that can address factors of food access, affordability and availability. Food banking is a sustainable way to contribute to quality nutrition and reduced related deaths among HIV infected children.

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

ATM Technology and Banking System in West African Sub-Region ...

African Journals Online (AJOL)

User

2011-04-19

Apr 19, 2011 ... At this point in time, it is pertinent to ask, what is ATM? ATM is Automated .... can be installed on ATMs running Microsoft Windows XP operating system that records sensitive ... almost real time bank services. The citizens of ...

Estimation of the banking sector competition in the CEE countries: The Panzar-Rosse approach

Directory of Open Access Journals (Sweden)

Arben Mustafa

2017-12-01

Full Text Available Competitive conditions in the banking sectors in the light of transition process in the Central and Eastern Europe countries (CEE has been subject of interest for researchers and policy-makers, especially upon entry of foreign banks and concentrated markets. In this paper the Panzar-Rosse approach is used to assess competition of banking sectors in CEE. By using General Method of Moments on the panel data for 300 banks for the period 1999-2009, empirical evidence indicates that banks operating in the CEE exert monopoly behaviour. From the methodological point of view, the findings suggest that using a price equation or controlling for total assets in a Panzar-Rosse approach produces upwards biased and invalid estimates of the H-statistic. Therefore, further support is provided for maintaining a reducedform revenue equation when estimating a Panzar-Rosse model. The findings also suggest that banks operating in the non-EU countries of the CEE region have exerted stronger market power compared to the banks operating in the EU countries of this region. Policy-makers should improve competitive conditions and general ‘enabling’ environment for the banking sectors, especially the non-EU countries of the CEE region, while balancing competition-stability trade-off.

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.

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.

Banking on industry: the impact of financial services on regional industrial structure and development

NARCIS (Netherlands)

Bos, Jaap W.B.; Degl'Innocenti, Marta

2017-01-01

We investigate the extent to which local banking market characteristics can explain where small enterprises (SEs) are located and how they thrive. We start from a simple theory that explains the channels along which local banking market structure can affect the growth of SEs. Subsequently, we make

The design of two channel IIR QMF bank directly from analogue prototype

Science.gov (United States)

Stamenković, N.; Stojanovuć, V.

2011-07-01

This article presents a new method for designing two-band quadrature mirror filter (QMF) banks. Analytic solution of the filter coefficients is obtained in the s-domain. The characteristic function of the new filter has one multiple pole in the pass-band and one multiple zero in the stop-band. As a consequence, the transfer function has a single ripple, both in the pass-band and in the stop-band. Lowpass and highpass filter pair is double complementary in the s-plane. The gain responses of the lowpass and highpass filter pair at the crossover frequency are approximately 3 dB below their maximum values. Using the bilinear transformation, the analogue filter transfer function is mapped into the corresponding digital filter transfer function, so that the analogue crossover frequency is mapped into the digital frequency corresponding to ω = π/2. The filter characteristic exhibits Butterworth-like behaviour near the origin and Chebyshev-like behaviour (of the third order) near the pass-band edge.

Design of a solar-assisted drying system using the double-pass solar collector

International Nuclear Information System (INIS)

Sopian, K.; Daud, W.R.; Supranto; Othman, M.Y.; Yatim, B.

2000-01-01

A solar-assisted drying system that uses the double-pass solar collector with porous media in the second channel has been designed and constructed at the Solar Energy Research Park, Universiti Kebangsaan Malaysia. The drying system has a total of six double-pass solar collectors. Each collector has a length of 240 cm and a width of 120 cm. The upper channel depth is 3.5 cm and the lower channel depth is 10.5 cm. The lower channel is filled up with steel wool as the porous media. The solar collectors are arranged as 2 banks of 3 collectors each in series. Internal manifold are used to connect the collectors. An auxiliary heater source is installed to supply heat under unfavourable solar radiation conditions. An on/off controller is used to control the startup and shutdown of the auxiliary heater. An outlet temperature of 80-90 0 C can be achieved at a solar radiation range of 800-900 W/m 3 , ambient temperature of 29 degree C and flow rate of O.20 kg/s. (Author)

Multi-pass spectroscopic ellipsometry

International Nuclear Information System (INIS)

Stehle, Jean-Louis; Samartzis, Peter C.; Stamataki, Katerina; Piel, Jean-Philippe; Katsoprinakis, George E.; Papadakis, Vassilis; Schimowski, Xavier; Rakitzis, T. Peter; Loppinet, Benoit

2014-01-01

Spectroscopic ellipsometry is an established technique, particularly useful for thickness measurements of thin films. It measures polarization rotation after a single reflection of a beam of light on the measured substrate at a given incidence angle. In this paper, we report the development of multi-pass spectroscopic ellipsometry where the light beam reflects multiple times on the sample. We have investigated both theoretically and experimentally the effect of sample reflectivity, number of reflections (passes), angles of incidence and detector dynamic range on ellipsometric observables tanΨ and cosΔ. The multiple pass approach provides increased sensitivity to small changes in Ψ and Δ, opening the way for single measurement determination of optical thickness T, refractive index n and absorption coefficient k of thin films, a significant improvement over the existing techniques. Based on our results, we discuss the strengths, the weaknesses and possible applications of this technique. - Highlights: • We present multi-pass spectroscopic ellipsometry (MPSE), a multi-pass approach to ellipsometry. • Different detectors, samples, angles of incidence and number of passes were tested. • N passes improve polarization ratio sensitivity to the power of N. • N reflections improve phase shift sensitivity by a factor of N. • MPSE can significantly improve thickness measurements in thin films

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...

Status quo of management of the human tissue banks in Taiwan.

Science.gov (United States)

Chou, Ching-Pang; Chou, Szu-Cheng; Chen, Ying-Hua; Chen, Yu-Hsuan; Lee, Ming-Shin

2017-03-01

As the technologies associated with transplantation and biological tissue engineering continue to advance, human cells and tissues form an integral part to the practice of regenerative medicine. The patient's use of tissues entails the risk of introducing, transmitting and spreading communicable diseases. To prevent such risk and to ensure that the human organs, tissues and cells remain intact and functional after being handled and processed, the transplanted tissues must be subject to good management standards through all stages of collection, screening, processing, storage and distribution as the safety of the users is of the utmost importance. On February 2009, the government of Taiwan promulgated the Regulations for Administration on Human Organ Bank that requires all human tissues banks to adhere to the Good Tissue Practice for Human Organ, Tissue and Cell in terms of establishment and operation in order to cope with the international management trend and the development and management need of the domestic industry. Six years have passed since the law became effective. This article seeks to introduce the current management mechanism and status quo of management of human tissue banks in Taiwan. We also conducted statistical analysis of the data relating to the tissue banks to identify potential risks and the room for improvement. The study concludes that human tissue banks in Taiwan are on the right track with their management practice, leading to a state of steady development and progress.

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...

Characteristics of the regional human milk bank in Poland - donors, recipients and nutritional value of human milk

Science.gov (United States)

Barbarska, Olga; Zielińska, Monika; Pawlus, Beata; Wesołowska, Aleksandra

In case of shortage of breast milk despite proper lactation care or the poor state of the mother’s health, breast milk from human milk bank is recommended for feeding preterm infants This study retrospectively evaluated the first year of the operation of the Regional Human Milk Bank Data concerning donors was collected in the human milk bank during the cooperation. The clinical characteristics of the recipients was made on the basis of medical documentation from the Holy Family Hospital in Warsaw, Poland. Analysis of nutritional value was performed with the human milk analyzer (MIRIS AB) In the first year of activity, 45 voluntary donors established cooperation, donating from 650 to 32030 ml of human milk. The content of nutrients in milk provided by donors was variable - protein 0.4-1.5 g / 100 ml, fat 1.1-7.4 g / 100 ml, carbohydrates 6.3-7.9 g / 100 ml. The average length of using donated human milk was 4 days and the average volume of milk for one infant was 282 ml The donor profiles have a significant impact on the milk composition form HMB. The nutritional value can be improved by recruitment donors from mothers that gave birth prematurely and by beginning donation at earlier stages of lactation as soon as lactation is stabilized. In case of shortage of mothers own milk the immediate implementation of donors milk as a short-term support can significantly reduce the food intolerance incidence in the group of prematurely born infants

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-.

76 FR 64259 - Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through Fedwire...

Science.gov (United States)

2011-10-18

... is not the party entitled to interest compensation under article 4A, the bank must pass the benefit... the definition of ``remittance transfer'' under the Electronic Fund Transfer Act. DATES: Comments must... even if that funds transfer also meets the definition of ``remittance transfer'' under the recently...

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...

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...

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.

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-...

Common pass decentered annular ring resonator

Energy Technology Data Exchange (ETDEWEB)

Holmes, D. A.; Waite, T. R.

1985-04-30

An optical resonator having an annular cylindrical gain region for use in a chemical laser or the like in which two ring-shaped mirrors having substantially conical reflecting surfaces are spaced apart along a common axis of revolution of the respective conical surfaces. A central conical mirror reflects incident light directed along said axis radially outwardly to the reflecting surface of a first one of the ring-shaped mirrors. The radial light rays are reflected by the first ring mirror to the second ring mirror within an annular cylindrical volume concentric with said common axis and forming a gain region. Light rays impinging on the second ring mirror are reflected to diametrically opposite points on the same conical mirror surfaces and back to the first ring mirror through the same annular cylindrical volume. The return rays are then reflected by the conical mirror surface of the first ring mirror back to the central conical mirror. The mirror surfaces are angled such that the return rays are reflected back along the common axis by the central mirror in a concentric annular cylindrical volume. A scraper mirror having a central opening centered on said axis and an offset opening reflects all but the rays passing through the two openings in an output beam. The rays passing through the second opening are reflected back through the first opening to provide feedback.

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

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

Energy Technology Data Exchange (ETDEWEB)

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

2013-02-10

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

Four new species and new records of Atopsyche Banks (Trichoptera: Hydrobiosidae) from Pantepui biogeographical region (Venezuela).

Science.gov (United States)

Zamora-Muñoz, Carmen; Derka, Tomáš; Múrria, Cesc

2017-05-29

Four new species of the genus Atopsyche Banks (Hydrobiosidae) from Pantepui biogeographical region (Venezuela) are described and illustrated: Atopsyche (Atopsaura) inmae n. sp., Atopsyche (Atopsaura) cristinae n. sp., Atopsyche (Atopsaura) svitoki n. sp., and Atopsyche (Atopsaura) carmenae n. sp. Molecular analyses (cox1 sequences) allowed larva-adult associations and the morphological description of larvae of two of the new species (A. inmae and A. cristinae). A phylogenetic tree is performed to assess the molecular validity of the species, establish evolutionary relation among them and interpret historical biogeography of tepuis. Finally, two new distributional records for A. (Atopsaura) atahuallpa are included, which up to now was known only from the type locality.

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....

Numerical simulation of cross-flow in a bank of tubes with three rows in the subcritical region of Reynolds

International Nuclear Information System (INIS)

Suzairin; Faizal, Mohd; Ambri, Zainal; Raghavan, V R

2013-01-01

The present work focused on 2-dimensional unsteady numerical simulation in predicting hydrodynamics and thermal characteristics of air flow across circular tube banks with integral wake splitters. The tube banks studied consist of three rows of tubes in staggered arrangement. The lengths of the splitter are 0, 0.5, 1.0, 1.5 and 2.0 times the tube diameter. The range of Reynolds number investigated is in the range of 1000 to 10000, which is in the sub-critical region of Reynolds number. The flow condition within this range is incompressible since the maximum Mach number is less than 0.3. The numerical approach was validated against the experimental works of Zukauskas (1985) and Anderson (1997). Local pressure coefficient for flow around a single tube with integral wake splitter is also presented for comparison. It was found that the present of the wake splitters was able to improve the overall heat transfer of the system

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

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.

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

TPG bus passes

CERN Multimedia

Staff Association

2013-01-01

The CERN Staff Association will stop selling TPG bus passes. All active and retired members of the CERN personnel will be able to purchase Unireso bus passes from the CERN Hostel - Building 39 (Meyrin site) from 1st February 2013. For more information: https://cds.cern.ch/journal/CERNBulletin/2013/04/Announcements/1505279?ln=en

ASEAN economic growth, trade openness and banking-sector depth: The nexus

Directory of Open Access Journals (Sweden)

Rudra P. Pradhan

2017-09-01

Full Text Available This paper investigated the linkages between banking sector depth, trade openness, and economic growth using a panel data set covering the ASEAN regional forum countries for the period 1961–2012. Using our multivariate framework, we first found that all the variables were integrated of order one and were cointegrated. Our panel-data estimation procedures offered more robust estimates than previous studies by utilizing variations between countries as well as variations over time. The results of this study indicated a general long-run equilibrium relationship among trade openness, banking sector depth and economic growth as well as a short-run relationship between these variables. Policy recommendations include those that will promote greater banking sector development as well as increased trade openness. JEL classification: O16, O43, E44, E31, Keywords: Trade openness, Banking sector depth, Economic growth, Granger causality, ASEAN regional forum countries

Brain banking for immunocytochemistry and autoradiography

International Nuclear Information System (INIS)

Eymin, C.; Jordan, D.; Saint-Pierre, G.; Kopp, N.

1993-01-01

The aim of a human brain bank is to establish groups of matched brains (normal control versus pathological groups) for studying human diseases of the nervous system. This bank is obtained by means of autopsy performed with a very short post-mortem delay and from clinically and neuropathologically well-documented patients. According to research protocols, two types of brain tissue storage are performed: fixed tissue or frozen tissue. Brain dissection procedures are performed according to precise anatomical boundaries of each brain region. This paper will center on the questions raised by brain banking in relation to histological and immunocytochemical studies and to biochemistry and autoradiography of binding sites. The lack of neuroanatomical data of the human brain leads us to compare anatomical results obtained in animals to that of the human. Moreover, it is clear that human brains present numerous interindividual differences (Kopp et al., 1977; Jack et al., 1989). Therefore, investigations of the human brain should be made on a large series of brains indicating the necessity of a well-documented brain bank of tissue from normal controls and patients. (authors)

Thermal analysis of a helium-cooled, tube-bank blanket module for a tandem mirror fusion reactor

International Nuclear Information System (INIS)

Werner, R.W.

1983-01-01

A blanket module concept for the central cell of a tandem mirror reactor is described which takes advantage of the excellent heat transfer and low pressure drop characteristics of tube banks in cross-flow. The blanket employs solid Li 2 O as the tritium breeding material and helium as the coolant. The lithium oxide is contained in tubes arranged within the submodules as a two-pass, cross-flow heat exchanger. Primarily, the heat transfer and thermal-hydraulic aspects of the blanket design study are described in this paper. In particular, the analytical model used for selection of the best tube-bank design parameters is discussed in some detail

Thermal analysis of a helium-cooled, tube-bank blanket module for a tandem-mirror fusion reactor

International Nuclear Information System (INIS)

Werner, R.W.; Hoffman, M.A.; Johnson, G.L.

1983-01-01

A blanket module concept for the central cell of a tandem mirror reactor is described which takes advantage of the excellent heat transfer and low pressure drop characteristics of tube banks in cross-flow. The blanket employs solid Li 2 O as the tritium breeding material and helium as the coolant. The lithium oxide is contained in tubes arranged within the submodules as a two-pass, cross-flow heat exchanger. Primarily, the heat transfer and thermal-hydraulic aspects of the blanket design study are described in this paper. In particular, the analytical model used for selection of the best tube-bank design parameters is discussed in some detail

The Relationship between the Efficiency, Service Quality and Customer Satisfaction for State-Owned Commercial Banks in China

Directory of Open Access Journals (Sweden)

Meehyang Chang

2017-11-01

Full Text Available In 2006, China fully opened up its financial markets. This means that the banking industry is facing a more severe competitive environment, which requires not only the operational efficiency of the bank but also customer satisfaction for the quality of service. As the reform and opening up policy started from the eastern costal areas in China, there are differences in economic development levels by the region, and so are the levels of financial development. Therefore, it is necessary to study the effect of regional differences on bank efficiency. Prior studies also showed a lot of limitations about using data envelopment analysis, in that the efficiencies of the bank are only measured without consideration of other managerial aspects of the service and customer satisfaction. Thus, this study aims to analyze the efficiencies of twenty state-owned commercial banks in five provinces of China. The relationships between bank efficiency, service quality, and customer satisfaction are analyzed. The data used for the analysis was obtained from the 2015 Chinese Banking Statistics. As a result, the average technical efficiency of twenty state-owned banks is as high as 81.9%. It is also found that the bank’s service quality has a positive impact on efficiency and customer satisfaction. In the case of banks that are located in areas with high economic levels, customer satisfaction is lower than that of banks in lower regions. This is because customers in high economic level regions have higher expectations for service quality and it leads to lower customer satisfaction.

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...

LESSONS FROM THE IMPACT OF INTERNAL AND MACROECONOMIC DETERMINANTS OF BAD LOANS IN CEE BANKS

Directory of Open Access Journals (Sweden)

Bogdan Florin FILIP

2017-12-01

Full Text Available The paper aims identifying and analysing the determinants of bad loans in the banks from Central and Eastern Europe, while their accumulation may lead to malfunctions on macroeconomic level. Analysing 38 of the most representative banks in the region during 2004-2013, we found significant positive linkages of bad loans ratio with cost to income ratio, unemployment and crisis, but also significant negative linkages with bank size, activity mix, bank risk taking behaviour, real GDP growth and inflation. Moreover, using Panel Least Squares Fixed Effects Method, we found that the main determinants of bad loans ratio increase are bank size, crisis, unemployment and cost to income ratio. Contrary, activity mix, bank risk taking behaviour, real GDP growth and inflation proved to act against bad loans accumulation. The results offer important lessons which may be useful in the future both for the banks and also for the governments from this region.

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...

Overview of Twenty Years of Radiation and Tissue Banking Activity in Argentina

International Nuclear Information System (INIS)

Kairiyama, E.

2015-01-01

Radiation sterilization of human tissues in Argentina was a consequence of health care products sterilization by gamma radiation. Radiation technology was implemented in 1970 when the first multipurpose gamma facility was built at the Ezeiza Atomic Centre of CNEA. Organ and tissue transplantation is a well established effective therapy that saves lives and significantly improves the quality of life. Ionizing radiation is used for sterilization in order to provide clinically safe tissue for therapeutic purposes of implantation in every patient in need. Argentina radiation and tissue banking activity started in 1993 with the establishment of two tissue banks using radiation under the IAEA programme of technical cooperation, a skin bank and a bone one. Additionally to this start, other tissue banks have adopted tissue sterilization by irradiation. The compatible tissues sterilized with this methodology are mainly skin (frozen, glycerolized), bone (lyophilized, frozen), and amniotic membrane (glycerolized, frozen, dehydrated). The donation and transplant of human organ, tissue and cells is regulated and coordinated by the National Institute Unique Central Coordinator of Ablation and Implant (INCUCAI). In regards to radiation and nuclear safety, physical protection and nuclear non-proliferation issues are regulated and contorted by the Nuclear Regulatory Authority (ARN). Eight tissue banks use gamma radiation for sterilization of human tissues (6 musculoskeletal, 1 skin and 1 amniotic membrane). Argentina has participated actively in several IAEA projects regarding radiation and tissue banking program, and it has been selected by the IAEA to host the Regional Training Centre for the Latin American region. The following activities were implemented: regional training courses in Buenos Aires, face to face (five) and virtual (four) modalities; collaboration on several materials related to tissue banking and radiation sterilization of tissue allograft, codes of practice for

Policy Analysis Screening System (PASS) demonstration: sample queries and terminal instructions

Energy Technology Data Exchange (ETDEWEB)

None

1979-10-16

This document contains the input and output for the Policy Analysis Screening System (PASS) demonstration. This demonstration is stored on a portable disk at the Environmental Impacts Division. Sample queries presented here include: (1) how to use PASS; (2) estimated 1995 energy consumption from Mid-Range Energy-Forecasting System (MEFS) data base; (3) pollution projections from Strategic Environmental Assessment System (SEAS) data base; (4) diesel auto regulations; (5) diesel auto health effects; (6) oil shale health and safety measures; (7) water pollution effects of SRC; (8) acid rainfall from Energy Environmental Statistics (EES) data base; 1990 EIA electric generation by fuel type; sulfate concentrations by Federal region; forecast of 1995 SO/sub 2/ emissions in Region III; and estimated electrical generating capacity in California to 1990. The file name for each query is included.

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.

Hydrography of the Wadge bank - premonsoon and monsoon seasons

Digital Repository Service at National Institute of Oceanography (India)

RamaRaju, V.S.; Rao, T.V.N.; RameshBabu, V.; Anto, A.F.

The hydrography of the Wadge Bank during premonsoon and monsoon seasons is presented. The thermocline slopes downward towards the central region. Upwelling is prominent in the entire region during monsoon and is observed only in the western...

Maximizing the phylogenetic diversity of seed banks.

Science.gov (United States)

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

2015-04-01

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

Cord Blood Banking in the Arab World: Current Status and Future Developments.

Science.gov (United States)

Matsumoto, Monica M; Dajani, Rana; Matthews, Kirstin R W

2015-07-01

Umbilical cord blood transplants are now used to treat numerous types of immune- and blood-related disorders and genetic diseases. Cord blood (CB) banks play an important role in these transplants by processing and storing CB units. In addition to their therapeutic potential, these banks raise ethical and regulatory questions, especially in emerging markets in the Arab world. In this article, the authors review CB banking in five countries in the region, Jordan, Saudi Arabia, Egypt, Qatar, and the United Arab Emirates, selected for their different CB banking policies and initiatives. In assessing these case studies, the authors present regional trends and issues, including religious perspectives, policies, and demographic risk factors. This research suggests strong incentives for increasing the number of CB units that are collected from and available to Arab populations. In addition, the deficit in knowledge concerning public opinion and awareness in the region should be addressed to ensure educated decision-making. Copyright © 2015 American Society for Blood and Marrow Transplantation. Published by Elsevier Inc. All rights reserved.

Legal Central Bank Independence and Inflation in Latin America During the 1990s

OpenAIRE

Luis Ignacio Jácome

2001-01-01

This paper reviews central banks' legal reform in Latin America during the 1990s and discusses the status of central bank independence in the region. Based on this information, it builds a simplified index of central bank independence which, in addition to the commonly used criteria of political and economic independence, incorporates provisions of central banks' financial autonomy, accountability, and lender-of-last-resort. The paper finds a moderate negative correlation between increased ce...

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…

WebPASS Explorer (HR Personnel Management)

Data.gov (United States)

US Agency for International Development — WebPass Explorer (WebPASS Framework): USAID is partnering with DoS in the implementation of their WebPass Post Personnel (PS) Module. WebPassPS does not replace...

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...

Relationship of residency program characteristics with pass rate of the American Board of Internal Medicine certifying exam

Directory of Open Access Journals (Sweden)

Amporn Atsawarungruangkit

2015-09-01

Full Text Available Objectives: To evaluate the relationship between the pass rate of the American Board of Internal Medicine (ABIM certifying exam and the characteristics of residency programs. Methods: The study used a retrospective, cross-sectional design with publicly available data from the ABIM and the Fellowship and Residency Electronic Interactive Database. All categorical residency programs with reported pass rates were included. Using univariate and multivariate, linear regression analyses, I analyzed how 69 factors (e.g., location, general information, number of faculty and trainees, work schedule, educational environment are related to the pass rate. Results: Of 371 programs, only one region had a significantly different pass rate from the other regions; however, as no other characteristics were reported in this region, I excluded program location from further analysis. In the multivariate analysis, pass rate was significantly associated with four program characteristics: ratio of full-time equivalent paid faculty to positions, percentage of osteopathic doctors, formal mentoring program, and on-site child care (OCC. Numerous factors were not associated at all, including minimum exam scores, salary, vacation days, and average hours per week. Conclusions: As shown through the ratio of full-time equivalent paid faculty to positions and whether there was a formal mentoring program, a highly supervised training experience was strongly associated with the pass rate. In contrast, percentage of osteopathic doctors was inversely related to the pass rate. Programs with OCC significantly outperformed programs without OCC. This study suggested that enhancing supervision of training programs and offering parental support may help attract and produce competitive residents.

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

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

Science.gov (United States)

2013-06-21

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

"Which pass is better?" Novel approaches to assess passing effectiveness in elite soccer.

Science.gov (United States)

Rein, Robert; Raabe, Dominik; Memmert, Daniel

2017-10-01

Passing behaviour is a key property of successful performance in team sports. Previous investigations however have mainly focused on notational measurements like total passing frequencies which provide little information about what actually constitutes successful passing behaviour. Consequently, this has hampered the transfer of research findings into applied settings. Here we present two novel approaches to assess passing effectiveness in elite soccer by evaluating their effects on majority situations and space control in front of the goal. Majority situations are assessed by calculating the number of defenders between the ball carrier and the goal. Control of space is estimated using Voronoi-diagrams based on the player's positions on the pitch. Both methods were applied to position data from 103 German First division games from the 2011/2012, 2012/2013 and 2014/2015 seasons using a big data approach. The results show that both measures are significantly related to successful game play with respect to the number of goals scored and to the probability of winning a game. The results further show that on average passes from the mid-field into the attacking area are most effective. The presented passing efficiency measures thereby offer new opportunities for future applications in soccer and other sports disciplines whilst maintaining practical relevance with respect to tactical training regimes or game performances analysis. Copyright © 2017 Elsevier B.V. All rights reserved.

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

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...

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...

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.

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  

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.

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.

Serbo-Albanian bank in Albania 1925-1927

Directory of Open Access Journals (Sweden)

Mišić Saša

2006-01-01

Full Text Available The Serbo-Albanian Bank was founded at Cetinje in 1922, at the time Yugoslav-Albanian diplomatic relations were established, with the purpose of opening its branch offices in Albania in order to contribute to closer economic relations between the two neighboring countries. The Bank was unable to achieve its goal in the first two years of operation, as it had not obtained the necessary licenses from the Albanian authorities. The branch office in Scutari was opened only in early 1925. Another topical issue at the time was the creation of the Albanian National Bank as the central monetary institution that would function as a regulator of the entire economic life of Albania. Supported by the Yugoslav state, the Serbo-Albanian Bank planned its transformation into an Albanian central bank, but without success. Namely, it was Italian capital that assumed a leading role in the Albanian National Bank founded in September 1925. In spite of this failure, the branch office of the Serbo-Albanian Bank commenced its operations in Albania. Under its roof, it set up the Privileged Trading Agency, and expressed interest in obtaining exploration and excavation concessions for the copper mine in the region of Puka in northern Albania. It was granted the concession by the Albanian government, but failed to set up a copper exploitation company. Facing numerous difficulties, the major of which was lack of the necessary cash for operation and significant business losses in Albania, the branch office was closed in 1927, pursuant to the decision of the Cetinje headquarters.

AutoPowerOff plug banks - a story with energy saving perspectives

Energy Technology Data Exchange (ETDEWEB)

Hjort Jensen, Anders (The Danish Electricity Saving Trust (Denmark)); Fjordbak, Troels (IT Energy ApS (Denmark))

2009-07-01

Denmark uses around 35 TWh of electricity per year, with residential dwellings accounting for around 10 TWh of this figure. Standby consumption comprises around 12% of power used in homes. If every Danish home installed AutoPowerOff plug banks, savings exceeding 500 GWh per year would be possible, equivalent to 5% of household electricity consumption, or 1.5% of the total in Denmark. This paper describes the estimated standby consumption in Danish homes in 2006, and possible energy savings through the use of AutoPowerOff plug banks. The estimates were subsequently used as background information for a 2007-2008 campaign to promote the wider use of these devices in Denmark. In order to increase the sale of AutoPowerOff plug banks by 1 million units, it was agreed that retail chains selling consumer electronics would include an AutoPowerOff when selling a TV or PC. A nationwide TV advertising campaign was launched featuring the names of participating retailers. Sales of AutoPowerOff plug banks in the first 7 months of 2008 passed the 515,000 mark, with over 1 million units now installed in 2.5 million Danish households. Annual savings are estimated to be over 80 GWh, equivalent to 40,000 tons of CO{sub 2}. This equates to potential savings on an EU-wide basis of more than 7 TWh, or 3.6 million tons of CO{sub 2} in Denmark.

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.

Contribution of Internet Banking toward Profitability of Banking in India

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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

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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

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Florin Alexandru LUCA

2016-06-01

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

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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Nani Hartati

2017-11-01

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

GenBank

OpenAIRE

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

2006-01-01

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

Strategic positioning in banking industry: Evidence from banking industry

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Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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Chian-Son Yu

2014-06-01

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

Microstructural and mechanical responses to various rolling speeds determined in multi-pass break-down rolling of AZ31B alloy

Science.gov (United States)

Jia, Weitao; Tang, Yan; Ning, Fangkun; Le, Qichi; Cui, Jianzhong

2018-04-01

Different rolling operations of as-cast AZ31B alloy were performed under different rolling speed (18 ∼ 72 m min‑1) and rolling pass conditions at 400 °C. Microstructural studies, tensile testing and formability evaluation relevant to each rolling operation were investigated. For 1-pass rolling, coarse average grain size (CAGS) region gradually approached the center layer as the rolling speed increased. Moreover, twins, shear bands and coarse-grain structures were the dominant components in the microstructure of plates rolled at 18, 48 and 72 m min‑1, respectively, indicating the severe deformation inhomogeneity under the high reduction per pass condition. For 2-pass rolling and 4-pass rolling, dynamic recrystallization was observed to be well and CAGS region has substantially disappeared, indicating the significant improvement in deformation uniformity and further the grain homogenization under the conditions. Microstructure uniformity degree of 2-pass rolled plates did not vary much as the rolling speed varied. On this basis, shear band distribution dominated the deformation behavior during the uniaxial tension of the 2-pass rolled plates. However, microstructure uniformity accompanied by twin distribution played a leading role in stretching the 4-pass rolled plates.

Cross-border banking and the importance of parents banks' performance for subsidiaries' credit extensions: evidence derived from a newly constructed database

OpenAIRE

Zagorisiou, Angeliki

2017-01-01

The systemic role of foreign banks in the CESEE region coupled with the turbulence in financial markets back in 2008, have given rise to the study at hand. Some years after the global crisis, it is a perfect moment to conduct an overarching analysis of the parent-subsidiary relationship and to examine how those banks behave at micro level. Firstly, the study discerns between different types of foreign ownership and explores their propensity to extend credit vis-à-vis their domestic owned comp...

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...

WTO Accession, Foreign Bank Entry, and the Productivity of Chinese Manufacturing Firms

DEFF Research Database (Denmark)

Lai, Tat-kei; Qian, Zhenjie; Wang, Luhang

2016-01-01

After China’s accession to the World Trade Organization (WTO) in December 2001, foreign banks are allowed to enter the Chinese banking market in phases. Using firm-level data from the National Bureau of Statistics of China which cover all state-owned and non state-owned manufacturing firms...... with sales over 5 million RMB, we examine the relationship between foreign bank entry and the industry-level productivity growth of China’s manufacturing sector. Our empirical results suggest that (a) on average, opening up a region for foreign bank entry has no impact on aggregate productivity growth, (b...

Hybrid Z-Θ Pinches with fused capacitor banks

International Nuclear Information System (INIS)

Grandey, R.; Gersten, M.; Loter, N.; Rauch, J.; Rostoker, N.; Thompson, W.; Ware, K.

1987-01-01

The Hybrid Z-Θ Pinch circuit equations in the thin shell model were reexamined to see what advantages can be obtained by using a fused, high-energy (>--1MJ) bank driver. The DNA ACE facility at MLI utilizes a 36 μF capacitor band which can be charged to 120 kV to provide 250 kJ of stored energy. This configuration appears to be very appropriate to test the performance of a hybrid-stabilized fused-bank driven pinch. The circuit analyses suggest that the energy transfer efficiency from the bank to a pinched plasma can be increased from less than 1%, for a nonfused bank, to about 10% for a fused configuration. In the applicable region of parameter space, the Hybrid Pinch does not increase the efficiency of energy transfer into the plasma over that obtainable from a Z-pinch. The additional stability may allow larger initial radii to be used with concomitant improved coupling into radiation above 1 keV

Statistics of Epidemics in Networks by Passing Messages

Science.gov (United States)

Shrestha, Munik Kumar

financial contagion gets worse with too much diversification. We also predict that financial system exhibits "robust yet fragile" behavior, with regions of the parameter space where contagion is rare but catastrophic whenever it occurs. In further results, we develop a message-passing approach to recurrent state epidemics like susceptible-infectious-susceptible and susceptible-infectious-recovered-susceptible where nodes can return to previously inhabited states and multiple waves of infection can pass through the population. Given that message-passing has been applied exclusively to models with one-way state changes like susceptible-infectious and susceptible-infectious-recovered, we develop message-passing for recurrent epidemics based on a new class of differential equations and demonstrate that our approach is simple and efficiently approximates results obtained from Monte Carlo simulation, and that the accuracy of message-passing is often superior to the pair approximation (which also takes second-order correlations into account).

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.

The Assessment of Systemic Risk in the Kenyan Banking Sector

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Hong Fan

2018-01-01

Full Text Available The present paper aims to assess the systemic risk of the Kenyan banking system. We propose a theoretical framework to reveal the time evolution of the systemic risk using sequences of financial data and use the framework to assess the systemic risk of the Kenyan banking system that is regarded as the largest in the East and Central African region. Firstly, we estimate the bilateral exposures matrix using aggregate financial data on loans and deposits from annual reports and analyze the interconnectedness in the market using network centrality measures. Next, we extend the Eisenberg–Noe method to a multiperiod setting to the systemic risk of the Kenyan banking system, in which the multiperiod includes the dynamic evolutions of the Kenyan banking system of every bank and the structure of the interbank network system. We apply this framework to assess dynamically the systemic risk of the Kenyan banking system between 2009 and 2015. The main findings are the following. The theoretical network analysis using network centrality measures showed several banks displaying characteristics of systematically important banks (SIBs. The theoretical default analysis showed that a bank suffering a basic default will trigger a contagious default that caused several other banks in the sector to go bankrupt. Further stress test proved that the KCB bank theoretically caused a few contagious defaults due to an unusually high interconnectedness. This methodology can contribute by being part of monitoring system of the Central Bank of Kenya (regulatory body as well as the implementation of policies (such as bank-internal stress tests that assist in preventing default contagion.

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

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Jeroen Klomp

2015-12-01

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

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

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Yen Sun

2011-11-01

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

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

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Muhammad Shakil AHMAD

2011-01-01

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

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

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Hassan Ghodrati

2014-06-01

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

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

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

Grand Bank seabed and shallow subsurface geology in relation to subsea engineering design

Energy Technology Data Exchange (ETDEWEB)

Sonnichsen, G.V.; King, E.L. [Natural Resources Canada, Dartmouth, NS (Canada). Geological Survey of Canada

2005-07-01

An overview of the surficial and subseabed geology of the northeastern section of the Newfoundland Grand Banks was presented with particular reference to the Jeanne d'Arc Basin. The stratigraphy of the upper 100 metres below seafloor has been interpreted from high-resolution seismic reflection data, surficial sediment samples and geotechnical borehole data. This paper described the character and strength properties of nearby seabed sediments and addressed the issue of seabed scour by icebergs, which is the main process threatening subsea facilities. Other potential geohazards such as shallow gas, buried channels and sediment mobility are not considered to be major barriers to offshore development in the Jeanne d'Arc Basin. However, drifting icebergs with large drafts often impact the seabed, producing either linear furrows or circular pits. The constraints to subsea design and construction were identified. It was noted that regional geological characterization is needed to help select the location for offshore platforms as well as routes for excavating trenches for subsea installations for offshore hydrocarbon development. Updated regional surficial and near-seabed stratigraphy is needed to predict foundation conditions beyond ground truth from isolated geotechnical borehole investigations. This paper described the Grand Banks regional setting, regional geology, near-surface sediment in the northeastern Grand Banks, and Quaternary sediments in the northeastern Grand Banks with reference to the Grand Banks Drift, Adolphus Sand, and the Grand Banks Sand and Gravel Formation. Risk assessments have shown that well heads and manifolds should be installed below the seabed in order to avoid damage by seabed-scouring icebergs and that the design scour depth should be re-examined for future subsea development. It was suggested that more emphasis on gathering multibeam bathymetric data and repetitive mapping of the seabed will better define scour risk. 57 refs., 3

The role of the European Bank in the energy sector

International Nuclear Information System (INIS)

Coleman, J.

1993-01-01

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

Characteristics of bank financial intermediation in Croatian counties

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Jakša Krišto

2015-03-01

Full Text Available Research on bank financial intermediation in a country’s narrower territorial units is scarce, in both domestic and international literature. Banks are almost the only financial intermediaries in narrower territorial units and their role is substantial, ranging from participating in regional development to the successful running of their own business. Hence, the main objective of this paper is to examine the characteristics of the financial intermediation of banks in the counties of the Republic of Croatia, both through a comparison between their economic development levels and the general presence of financial intermediation, and a more specific analysis of their deposit and credit policies. The article uses hierarchical and non-hierarchical (k-means cluster analyses to identify relatively homogeneous groups of counties based on sets of indicators of: economic environment, financial development and infrastructure and, at a more detailed level, the deposit and credit policies of banks. The research results suggest heterogeneity and diversity of bank policies across the counties and sets of indicators. Differences have been observed between developed and developing counties, as well as in approaches to banks’ deposit and credit policies. The paper’s findings encourage further research into these issues.

Soil seed-bank composition reveals the land-use history of calcareous grasslands

Science.gov (United States)

Karlík, Petr; Poschlod, Peter

2014-07-01

We compared soil seed banks and vegetation of recent (established on abandoned arable fields) and ancient (continuously managed as pastures at least since 1830) calcareous grasslands if there is any impact of former arable field use. The study was carried out in two regions of Southern Germany with well-preserved dry grassland vegetation: the western Jurassic mountains (Kaltes Feld) and the climatically drier eastern part of Southern Germany (Kallmünz). Total number of species in the seed bank was similar in both regions, but species composition partly differed, reflecting phytogeographical differences between the regions. The total number of emerged seedlings showed a large disparity (5457 compared to 2523 seedlings/m2 in Kaltes Feld and Kallmünz, respectively). Though there were differences in seed bank composition and size, we found a uniform pattern of plant traits (affiliation to phytosociological groups, Raunkiaer plant life-forms and seed longevity), which depended on the age of the grassland. The main conclusion is that seed banks in contemporary calcareous grasslands still reflect the history of former land use - in this case arable cultivation, even though it occurred a long time ago (up to 150 years). Indicators of former arable fields are germinable seeds of weeds which have persisted in the soil to the present. By contrast, weedy species are completely absent from the seed banks of ancient grasslands. Soil seed banks of recent grasslands may be of substantial conservation importance because they may store seeds of rare and endangered weed species such as Kickxia spuria, Silene noctiflora and Stachys annua, the majority of which have already gone extinct from the current vegetation of the study sites.

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.

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

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Pooja MALHOTRA

2009-11-01

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

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

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Selly Maulina

2016-12-01

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

On the issue of taxonomical status of steppe viper (Vipera renardi in Right-bank Ukraine

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A. L. Baybuz

2011-07-01

Full Text Available Data on morphologic variability of the steppe viper in the Kirovograd region (Right-bank Ukraine are given firstly. Tentative estimation of the similaritylevel of the local population and the populations from the Left-bank Ukraine and the Crimea was carried out using methods of the multivariate statistics. Morphological data in line with the results of mitochondrial DNA analysis show that the population in the Kirovograd region belongs to widespread Eurasian species Vipera renardiand morphologically most close to the original populations of the lowland Crimea, Sivash and Forest-Steppe of the Left-bank Ukraine. This could indicate the complicated history of the Right-bank Ukraine colonization by the steppe viper and possible influence of environmental conditions on the vipers’ morphology

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 ...

Grievance redressal instrument and inclination of diverse modes used to enlist complaints in indian banks

Directory of Open Access Journals (Sweden)

Gagandeep K. Nagra

2016-03-01

Full Text Available   Background: Customer grievances are a bit of the business life of any corporate component. This is more so for banks in light of the way that they are organization affiliations .Indeed the organization business is planned to pass on what its customers conclusively need .Banking industry in India was considered as standard section 10 years back yet the sharp tries of RBI in the later past has changed and changed the substance of Indian dealing with a record industry. It has in like manner understood the challenges which the business has not defied until then and making an unrivaled purchaser reliability and experience is one of them. The engaged differentiator of banks depends on upon the ability to give a better issue than the customers other than offering a wide blend of things. Methods: The path in which banks talk and oversee customer grumblings is a key variable in picking the way of customer organization .Having an inside and out plot redressal instrument for addressal of all the customer grievances is of prime hugeness. The destinations of the paper are to get a comprehension into the grievance redressal instrument followed in banks, care about it among general populace and its sufficiency. Data has been accumulated with the help of a sorted out survey by 200 bank customer's .With the aid of Statistical Package for Social Sciences (SPSS, both realistic experiences including frequencies, rates, mean, and standard deviations and moreover inferential tests, for instance, Pearson chi-square and ANOVA were joined. Results and conclusions: Results exhibited a low level of care about grievance redressal approach and demonstrated that private part banks have a more practical grievance redressal framework when appeared differently in relation to open range banks The study has recommendations for the bank customers to show himself seeing protesting determination handle the and furthermore the banks in suitably arranging a reasonable model of

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

Directory of Open Access Journals (Sweden)

Farhan Ahmed

2018-01-01

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

Pass rates on the American Board of Family Medicine Certification Exam by residency location and size.

Science.gov (United States)

Falcone, John L; Middleton, Donald B

2013-01-01

The Accreditation Council for Graduate Medical Education (ACGME) sets residency performance standards for the American Board of Family Medicine Certification Examination. This study aims are to describe the compliance of residency programs with ACGME standards and to determine whether residency pass rates depend on program size and location. In this retrospective cohort study, residency performance from 2007 to 2011 was compared with the ACGME performance standards. Simple linear regression was performed to see whether program pass rates were dependent on program size. Regional differences in performance were compared with χ(2) tests, using an α level of 0.05. Of 429 total residency programs, there were 205 (47.8%) that violate ACGME performance standards. Linear regression showed that program pass rates were positively correlated and dependent on program size (P family medicine training programs do not meet the ACGME examination performance standards. Pass rates are associated with residency program size, and regional variation occurs. These findings have the potential to affect ACGME policy and residency program application patterns.

US of tissue banking and transplantation in North America

International Nuclear Information System (INIS)

Strong, M.; Moogk, M.

1999-01-01

Tissue banking in North America began as surgical bone banking in individual hospitals and progressed to recovery of cadaveric tissues, initially by the United States Navy Tissue Bank and more recently to regional tissue banks throughout North America. The American Association of Tissue Banks was established in 1976 to develop standards for tissue banking and the eventual inspection and accreditation of tissue banks. The gathering of statistics of tissue banking practices was first undertaken in 1992, from accredited tissue banks. The most recent statistics were compiled in 1997 and will be reported at this conference.There are currently 63 accredited tissue banks in North America, 60 in the United States and three in Canada. Overall, tissue donation has increased by 48% during this 5 year reporting time. During the same period, the number of living surgical bone donors has decreased from nearly 3,000 to less than 500. This impact is largely due to the new regulations that have been implemented by the Food and Drug Administration (FDA). There were over 340,000 bone grafts distributed in 1996, an increase of 20% over 1992, 33% were not sterilized, 21% were sterilized using irradiation, and 45% were demineralized. Only 1% were processed using ethylene oxide as a sterilant, a decrease from 15% in 1992. The primary mode of preservation and storage is freeze-drying with 90% of the tissues falling into this category and the rest being frozen. The second largest number of grafts distributed were skin grafts. Total tissue grafts distributed including cornea was 445,417. In January 1998, the FDA Final Rule regarding regulation of tissue banking became effective. The elements of that Final Rule and new tissue banking rules the FDA has proposed will be discussed along with regulations recently published by the Health and Human Services Department relative to organ and tissue donor referrals. Tissue Banking in North America continues to evolve and has become more and more

Monetary Romanticism, Currency and Central Banks in the Nineteenth Century

DEFF Research Database (Denmark)

Ravn Sørensen, Anders

How do monetary institutions, such as currencies and central banks, interrelate to the construction of national communities? Using the national conflict between the Danish state and the Duchies of Schleswig-Holstein in the nineteenth century as an exemplary case, this article demonstrates how both...... banks and currencies were mobilized as political symbols to promote an agenda of regional nationalism. In the article I show how the local Schleswig-Holstein currency and the local Schleswig-Holsteinische Landsbank became symbolic antagonists to the Danish central bank and the official state......-sanctioned currency – which by Danish politicians were considers key elements in the attempt to consolidate the Danish nation-state. The article highlights the symbolic qualities of monetary institutions and offers an example of the interrelation between currencies, banks and nations. Through an empirical analysis...

Incentive Pass-through for Residential Solar Systems in California

Energy Technology Data Exchange (ETDEWEB)

Dong, C. G. [Univ. of Texas, Austin, TX (United States); Wiser, Ryan [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Rai, Varun [Univ. of Texas, Austin, TX (United States)

2014-10-01

The deployment of solar photovoltaic (PV) systems has grown rapidly over the last decade, partly because of various government incentives. In the United States, among the largest and longest-running incentives have been those established in California. Building on past research, this report addresses the still-unanswered question: to what degree have the direct PV incentives in California been passed through from installers to consumers? This report helps address this question by carefully examining the residential PV market in California (excluding a certain class of third-party-owned PV systems) and applying both a structural-modeling approach and a reduced-form regression analysis to estimate the incentive pass-through rate. The results suggest an average pass-through rate of direct incentives of nearly 100%, though with regional differences among California counties. While these results could have multiple explanations, they suggest a relatively competitive market and well-functioning subsidy program. Further analysis is required to determine whether similar results broadly apply to other states, to other customer segments, to all third-party-owned PV systems, or to all forms of financial incentives for solar (considering not only direct state subsidies, but also utility electric bill savings and federal tax incentives).

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

Diabetes in Danish Bank Voles (M. glareolus)

DEFF Research Database (Denmark)

Schønecker, Bryan; Freimanis, Tonny; Sørensen, Irene Vejgaard

2011-01-01

. Data also indicates that diabetes in Danish bank is not associated with a higher body weight. Finally, the method of using measurements of daily water intake to screen for voles with a high probability of hyperglycaemia constitutes a considerable refinement when compared to the usual, invasive, methods.......Previous studies have concluded that the development of polydipsia (PD, a daily water intake ≥21 ml) among captive Danish bank voles, is associated with the development of a type 1 diabetes (T1D), based on findings of hyperglycaemia, glucosuria, ketonuria/-emia, lipemia, destroyed beta cells...... as a practical and non-invasive tool to screen for voles with a high probability of hypeglycaemia. In addition, we discuss regional differences related to the development of diabetes in Scandinavian bank voles and the relevance of the Ljungan virus as proposed etiological agent. We found that median survival...

Bank Stability and Competition: Evidence from Albanian Banking Market

Directory of Open Access Journals (Sweden)

Gerti SHIJAKU

2017-05-01

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

Estimating natural recharge in San Gorgonio Pass watersheds, California, 1913–2012

Science.gov (United States)

Hevesi, Joseph A.; Christensen, Allen H.

2015-12-21

A daily precipitation-runoff model was developed to estimate spatially and temporally distributed recharge for groundwater basins in the San Gorgonio Pass area, southern California. The recharge estimates are needed to define transient boundary conditions for a groundwater-flow model being developed to evaluate the effects of pumping and climate on the long-term availability of groundwater. The area defined for estimating recharge is referred to as the San Gorgonio Pass watershed model (SGPWM) and includes three watersheds: San Timoteo Creek, Potrero Creek, and San Gorgonio River. The SGPWM was developed by using the U.S. Geological Survey INFILtration version 3.0 (INFILv3) model code used in previous studies of recharge in the southern California region, including the San Gorgonio Pass area. The SGPWM uses a 150-meter gridded discretization of the area of interest in order to account for spatial variability in climate and watershed characteristics. The high degree of spatial variability in climate and watershed characteristics in the San Gorgonio Pass area is caused, in part, by the high relief and rugged topography of the area.

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

Directory of Open Access Journals (Sweden)

Anamika Singh

2016-06-01

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

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

Directory of Open Access Journals (Sweden)

Nsiah K. Acheampong

2013-12-01

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

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

Directory of Open Access Journals (Sweden)

Shijaku Gerti

2017-09-01

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

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.

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

Banking governance: New Approaches

Directory of Open Access Journals (Sweden)

Victor Mihăiţă Duţă

2016-11-01

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

Radionuclides in resident and migratory fishes of a wedge bank region: Estimation of dose to human beings, South India

International Nuclear Information System (INIS)

Feroz Khan, M.; Godwin Wesley, S.

2012-01-01

Highlights: ► 137 Cs, 210 Po and 210 Pb accumulation in 47 species of marine fishes. ► Baseline data for Kudankulam Nuclear Power Project. ► Assessment of daily intake and committed effective dose. - Abstract: Baseline activity concentration of 137 Cs, 210 Po and 210 Pb was determined for 25 resident and 22 migratory fish species collected in a so-called wedge bank region in the extreme south of India. A nuclear power station is now under construction at Kudankulam near the target region and the data provide background information on the radionuclide activity concentration in the region. Three-way ANOVA revealed no significant variation in the concentrations of 137 Cs, 210 Po and 210 Pb between species based on feeding habit, habitat and migratory pattern except the effect of feeding habit on 210 Po concentration (p 137 Cs was negligibly small while those due to 210 Po and 210 Pb varied from 1.2 to 36.9 and 0.2 to 2.9 μSv yr −1 , respectively.

Improvements in Quantifying Bank Erosion for Sediment Budgets within the Chesapeake Bay Watershed by Integrating Structure-From-Motion Photogrammetry

Science.gov (United States)

Bell, J. M.; Cashman, M. J.; Nibert, L.; Jackson, S.

2017-12-01

Fine sediment is a major source of pollution due to its ability to attenuate light, smother habitat, and sorb and transport nutrients, such as phosphorus and nitrogen. Piedmont streams in the Mid-Atlantic region of the United States are frequently characterized as incised with steep, highly erodible banks of legacy sediment that can contribute to high sediment loads. Multiple sediment fingerprinting studies in this region have demonstrated that stream banks can contribute a large proportion of the total sediment load, but stream banks are frequently overlooked in sediment delivery models and Total Maximum Daily Load allocations. The direct quantification of bank erosion is therefore essential to producing accurate sediment budgets, which are needed to inform the targeted mitigation and remediation of degraded fluvial systems. This study contrasts the use of traditional bank pin measurements, structure-from-motion photogrammetric techniques, and aerial LIDAR at sites within Maryland, USA. Bank pin measurements, representing only single points in space, were found to be highly variable with subjective initial placement often missing nearby, large-scale bank failures. In contrast, photogrammetric techniques, using structure-from-motion, were able to capture a more spatially-complete streambank profile. Using a Nikon D810 camera, bank scans were able to reconstruct banks with a RMSE as low as 0.1mm and repeat scan alignment resolution of bank-erosion over multi-year timescales. Future work will include difference mapping channel features at watershed scales. This photogrammetric approach of quantifying geomorphic change, when coupled with bank-sediment bulk density, has promise to accurately quantify volumetric change as well as sediment loads originating from bank erosion, and may provide valuable data of the quantification of bank erosion for incorporation into regional sediment models.

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.

Photoacoustic Soot Spectrometer (PASS) Instrument Handbook

Energy Technology Data Exchange (ETDEWEB)

Dubey, M [Los Alamos National Laboratory; Springston, S [Brookhaven National Laboratory; Koontz, A [Pacific Northwest National Laboratory; Aiken, A [Los Alamos National Laboratory

2013-01-17

The photoacoustic soot spectrometer (PASS) measures light absorption by aerosol particles. As the particles pass through a laser beam, the absorbed energy heats the particles and in turn the surrounding air, which sets off a pressure wave that can be detected by a microphone. The PASS instruments deployed by ARM can also simultaneously measure the scattered laser light at three wavelengths and therefore provide a direct measure of the single-scattering albedo. The Operator Manual for the PASS-3100 is included here with the permission of Droplet Measurement Technologies, the instrument’s manufacturer.

BANKS IN TRANSITION COUNTRIES AS ONE OF MOST ATTRACTIVE INVESTMENTS

Directory of Open Access Journals (Sweden)

Lidija Dedi

2011-06-01

Full Text Available The primary goal of this paper is to analyze the banking sector in transition countries in Central and Eastern Europe, and identify bank’s potential as an investment in the globalized environment. The primary hypothesis is that banking sector is one of the most attractive investment areas in transition countries. In the comparison with financial systems of G7 and other growth countries, the financial industry in transition countries shows significant potential for future growth and development. Operating as universal bank with acquired position in financial supervisory bodies banks can easy control and slows down growth and development of nonbanking financial institutions. They are not overly involved in risky operations of securitization and were not so much exposed to the recent crisis. Analysis of the banking sector in transition countries has been made on available sources of secondary data and comparable quantities. Comparable quantities are analyzed with descriptive statistics, starting from the general characteristics of the region and individual countries, through macroeconomic indicator analysis to analysis of assorted indicators of banking sector which have dominant influence on prospective cash flows and risk, i.e key components of bank’s value as an investment.

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

Science.gov (United States)

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

2011-05-01

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

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.

SEGMENTATION OF SME PORTFOLIO IN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Namolosu Simona Mihaela

2013-07-01

Full Text Available The Small and Medium Enterprises (SMEs represent an important target market for commercial Banks. In this respect, finding the best methods for designing and implementing the optimal marketing strategies (for this target are a continuous concern for the marketing specialists and researchers from the banking system; the purpose is to find the most suitable service model for these companies. SME portfolio of a bank is not homogeneous, different characteristics and behaviours being identified. The current paper reveals empirical evidence about SME portfolio characteristics and segmentation methods used in banking system. Its purpose is to identify if segmentation has an impact in finding the optimal marketing strategies and service model and if this hypothesis might be applicable for any commercial bank, irrespective of country/ region. Some banks are segmenting the SME portfolio by a single criterion: the annual company (official turnover; others are considering also profitability and other financial indicators of the company. In some cases, even the banking behaviour becomes a criterion. For all cases, creating scenarios with different thresholds and estimating the impact in profitability and volumes are two mandatory steps in establishing the final segmentation (criteria matrix. Details about each of these segmentation methods may be found in the paper. Testing the final matrix of criteria is also detailed, with the purpose of making realistic estimations. Example for lending products is provided; the product offer is presented as responding to needs of targeted sub segment and therefore being correlated with the sub segment characteristics. Identifying key issues and trends leads to further action plan proposal. Depending on overall strategy and commercial target of the bank, the focus may shift, one or more sub segments becoming high priority (for acquisition/ activation/ retention/ cross sell/ up sell/ increase profitability etc., while

Bank Consolidation, Internationalization, and Conglomeration; Trends and Implications for Financial Risk

OpenAIRE

Gianni De Nicolo; Mary G Zephirin; Philip F. Bartholomew; Jahanara Zaman

2003-01-01

This paper documents global trends in bank activity, consolidation, internationalization, and financial firm conglomeration, and explores the extent to which financial firm risk and systemic risk potential in banking are related to consolidation and conglomeration. We find that while there is a substantial upward trend in conglomeration globally, consolidation and internationalization exhibit uneven patterns across world regions. Trends in consolidation and conglomeration indicate increased r...

Comparative Analysis Of Financial Performance Banking Before And After The Global Economic Crisis In 2008

Directory of Open Access Journals (Sweden)

Sri Indrastuti S.

2017-11-01

Full Text Available This research was conducted at the Regional Development Bank BPD in Indonesia. This study aims to examine and obtain empirical evidence about the comparative financial performance of regional banks after the global crisis with a view of its financial ratio which includes a ratio ROA CAR COF GMP LDR NIM ROA and ROE. This study further whether there was a significant difference in the time before and after the global economic crisis of 2008.The method used is a saturated or census sampling of the 26 Bank Pembangunan Daerah BPD. This study uses secondary data obtained from financial statement data Regional Development Bank for the period 2006 to 2010. The analytical tool used to determine differences in financial performance before and after the global economic crisis of 2008 was Paired sample T test for normally distributed data. If the data were not normally distributed using the Wilcoxon Signed Rank Test.The results showed that the financial performance of the Bank Pembangunan Daerah BPD in the ratio of ROA CAR COF GMP LDR NIM and ROA before and after the global economic crisis in 2008 there are significant differences. While ROE ratios before and after the global economic crisis of 2008 was not a significant difference.

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.

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...

Latencia y banco de semillas en plantas de la región mediterránea de Chile central Seed bank and dormancy in plants of the Mediterranean region of central Chile

Directory of Open Access Journals (Sweden)

JAVIER A. FIGUEROA

2004-03-01

un modelo estructural y funcional del banco de semillas para el matorral de Chile central, que debería ser enriquecido con futuras investigacionesSeed banks on Mediterranean regions display characteristics that distinguish them from the seed banks of other regions. A seed bank is the concentration of viable propagules buried in the soil for variable periods of time. Seed banks in the Chilean matorral are chiefly transient and functionally similar to seed banks in other Mediterranean ecosystems not disturbed by fire, except for those of Australia. A transient seed bank is that composed of seeds that cannot survive in the upper levels of the soil for more than 1 year. The density of herb seeds in the Chilean matorral soil is one of the highest among Mediterranean ecosystems anywhere in the world, and a large proportion of these seeds is made up of seeds without dormancy that germinate easily, particularly annual grasses. With respect to the dormancy mechanisms that may be responsible for the behavior of these seeds stored in the transient bank, our analysis revealed the following germination syndromes: (1 species whose seeds must be stratified in cold due to the presence of physiological dormancy (particularly introduced herbs, (2 species whose seeds must be scarified with acids or mechanical means due to the presence of physical dormancy (mainly native woody species and, (3 species that present physiological dormancy and need heat stratification to activate germination (both native and introduced species. These syndromes determine that the timing of germination in central Chile has an autumn and an early spring phase. Besides, there is absence of sporadic germination syndromes for the components of a persistent seed bank. We propose a structural and functional model of the seed bank for the matorral of central Chile that should be enriched with future research

Postgraduate programme in tissue banking

International Nuclear Information System (INIS)

Yongyudh Vajaradul

1999-01-01

In 1992 in the Project Formulation Meeting of IAEA, the masters degree programme was proposed by Dr. Youngyudh Vajaradul, Thailand to upgrade the personnel of tissue bank and the person who had been working and involving in tissue banking. After The Bangkok Biomaterial Center proposed the degree programme and presented to Mahidol University, this programme was accepted by Ministry of University Affairs in 1998 and the masters degree programme under the name of 'Masters of Science in Biomaterial for Implantation' will be started in April 1999. IAEA will support the fellowship candidates from the region to study in masters degree programme. The programme includes 6 months of course work in Bangkok that is 12 credits and 24 is for the dissertation work which would be done in any country. The time of validity is 5 years

INTERDEPENDENCE BETWEEN RETURN AND RISK OF BANKS IN THE REPUBLIC OF SERBIA

Directory of Open Access Journals (Sweden)

Almir Alihodžić

2017-01-01

Full Text Available In the last two years, the profitability of the banking sector of Serbia has indicated the occasional tendency to recovery. Viewed over the long term, profitability of the banking sector is primarily a function of an increase in lending activities with increased control in the field of credit risk because the credit risk is an essential problem of the banking sector in the Republic of Serbia, the region and individual EU countries. Unlike credit risk, liquidity risk is very insignificant. In this paper, through an approach that has been developed by Alberts, we will explore the correlation between return and risk for a larger group of banks in the Republic of Serbia. Therefore, the main objective of the paper is to determine whether factors such as the size of the bank, i.e. business operations, lending activities, the competitive environment and the style of management of the bank have an impact on the trade-off between return and risk

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 ...

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.

Submission to the Georges Bank Review Panel

Energy Technology Data Exchange (ETDEWEB)

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

1999-01-01

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

Submission to the Georges Bank Review Panel

International Nuclear Information System (INIS)

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

1999-01-01

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

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...

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

GenBank

OpenAIRE

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

2008-01-01

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

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

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

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

Observed salinity changes in the Alappuzha mud bank, southwest coast of India and its implication to hypothesis of mudbank formation

Science.gov (United States)

Muraleedharan, K. R.; Dinesh Kumar, P. K.; Prasanna Kumar, S.; Srijith, B.; John, Sebin; Naveen Kumar, K. R.

2017-04-01

Alappuzha mud bank draws special attention among the twenty-mud bank locations reported along the Kerala coast by its remoteness from riverine sources. Among several hypotheses proposed for the formation of mud bank, the subterranean hypothesis was most accepted because of the occurrence of low salinity in the bottom layers. The present study provides evidence to show that occurrence of low salinity waters near the bottom in the mud bank region is an artifact of measuring technique employed for the measurement of salinity. The usual technique of conductivity based salinity determination completely fails in the presence of water laden with high amount of suspended sediment. Laboratory experiments were conducted to determine the response of electrode and conductivity cell sensor types to determine the salinity using a range of suspended sediment in the water column. Actual sediment samples from the mud bank region were utilized for the above studies. Based on field observations and experiments, we conclude that the low salinity was the manifestation of the presence highly turbid fluid mud formation in the mud bank region rather than the influence of fresh water.

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...

Plant gene bank and vegetable varieties biodiversity in Smederevska Palanka

Directory of Open Access Journals (Sweden)

Pavlović Nenad

2011-01-01

Full Text Available Biodiversity protection and preservation of genetic variability is based on the fact that plant varieties are irreplaceable in production process and that they are more and more jeopardized by urban and industrial development. The most common way of preserving and at the same time the safest way is a storage in a gene bank. Prior to storage comes collecting, studying and replanting for Institute Gene Bank, Central State Gene Bank and for Regional Gene Banks. Institute for Vegetable Crops in Smederevska Palanka preserves a wide variety of vegetable germplasm. This is, so called, work collection, used as a gene resource for breeding purposes. Seed samples are stored at 4±2°C and 50% relative humidity. At the moment, the collection has 2265 samples. Almost all samples have the passport data, but only 10% of samples have been further characterized and evaluated.

Decision aids for enhancing intergovernmental interactions: The Prenotification Analysis Support System (PASS)

International Nuclear Information System (INIS)

Lester, M.; Liebow, E.; Holm, J.

1994-01-01

The Department of Energy (DOE) plans to honor its commitment to government-to-government interactions by providing advance notice of DOE spent fuel and high-level waste shipments to Indian tribes whose jurisdictions are crossed by or adjacent to transportation routes. The tribes are important contributors to a regional response network, and providing tribes with advance notice of DOE shipping plans marks the start -- not the end -- of direct, government-to-government interactions with DOE. The Tribal Prenotification Analysis Support System (PASS) is being developed for the Office of Special Programs within the Department's Office of Environmental Restoration and Waste Management. PASS will help DOE-Headquarters to coordinate field office activities and provide technical and institutional support to the DOE field offices. PASS is designed to be used by anyone with minimum computer literacy and having contemporary computer hardware and software. It uses on-screen maps to choose and display a shipment route, and to display the tribal jurisdictions. With forms that are easy to understand, it provides information about each jurisdiction and points of contact. PASS records all contacts, commitments made, and actions taken

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...

Comparison of sequencing the D2 region of the large subunit ribosomal RNA gene (MicroSEQ®) versus the internal transcribed spacer (ITS) regions using two public databases for identification of common and uncommon clinically relevant fungal species.

Science.gov (United States)

Arbefeville, S; Harris, A; Ferrieri, P

2017-09-01

Fungal infections cause considerable morbidity and mortality in immunocompromised patients. Rapid and accurate identification of fungi is essential to guide accurately targeted antifungal therapy. With the advent of molecular methods, clinical laboratories can use new technologies to supplement traditional phenotypic identification of fungi. The aims of the study were to evaluate the sole commercially available MicroSEQ® D2 LSU rDNA Fungal Identification Kit compared to the in-house developed internal transcribed spacer (ITS) regions assay in identifying moulds, using two well-known online public databases to analyze sequenced data. 85 common and uncommon clinically relevant fungi isolated from clinical specimens were sequenced for the D2 region of the large subunit (LSU) of ribosomal RNA (rRNA) gene with the MicroSEQ® Kit and the ITS regions with the in house developed assay. The generated sequenced data were analyzed with the online GenBank and MycoBank public databases. The D2 region of the LSU rRNA gene identified 89.4% or 92.9% of the 85 isolates to the genus level and the full ITS region (f-ITS) 96.5% or 100%, using GenBank or MycoBank, respectively, when compared to the consensus ID. When comparing species-level designations to the consensus ID, D2 region of the LSU rRNA gene aligned with 44.7% (38/85) or 52.9% (45/85) of these isolates in GenBank or MycoBank, respectively. By comparison, f-ITS possessed greater specificity, followed by ITS1, then ITS2 regions using GenBank or MycoBank. Using GenBank or MycoBank, D2 region of the LSU rRNA gene outperformed phenotypic based ID at the genus level. Comparing rates of ID between D2 region of the LSU rRNA gene and the ITS regions in GenBank or MycoBank at the species level against the consensus ID, f-ITS and ITS2 exceeded performance of the D2 region of the LSU rRNA gene, but ITS1 had similar performance to the D2 region of the LSU rRNA gene using MycoBank. Our results indicated that the MicroSEQ® D2 LSU r

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

Fabrication of seamless calandria tubes by cold pilgering route using 3-pass and 2-pass schedules

Science.gov (United States)

Saibaba, N.

2008-12-01

Calandria tube is a large diameter, extremely thin walled zirconium alloy tube which has diameter to wall thickness ratio as high as 90-95. Such tubes are conventionally produced by the 'welded route', which involves extrusion of slabs followed by a series of hot and cold rolling passes, intermediate anneals, press forming of sheets into circular shape and closing the gap by TIG welding. Though pilgering is a well established process for the fabrication of seamless tubes, production of extremely thin walled tubes offers several challenges during pilgering. Nuclear fuel complex (NFC), Hyderabad, has successfully developed a process for the production of Zircaloy-4 calandria tubes by adopting the 'seamless route' which involves hot extrusion of mother blanks followed by three-pass pilgering or two-pass pilgering schedules. This paper deals with standardization of the seamless route processes for fabrication of calandria tubes, comparison between the tubes produced by 2-pass and 3-pass pilgering schedules, role of ultrasonic test charts for control of process parameters, development of new testing methods for burst testing and other properties.

Fabrication of seamless calandria tubes by cold pilgering route using 3-pass and 2-pass schedules

International Nuclear Information System (INIS)

Saibaba, N.

2008-01-01

Calandria tube is a large diameter, extremely thin walled zirconium alloy tube which has diameter to wall thickness ratio as high as 90-95. Such tubes are conventionally produced by the 'welded route', which involves extrusion of slabs followed by a series of hot and cold rolling passes, intermediate anneals, press forming of sheets into circular shape and closing the gap by TIG welding. Though pilgering is a well established process for the fabrication of seamless tubes, production of extremely thin walled tubes offers several challenges during pilgering. Nuclear fuel complex (NFC), Hyderabad, has successfully developed a process for the production of Zircaloy-4 calandria tubes by adopting the 'seamless route' which involves hot extrusion of mother blanks followed by three-pass pilgering or two-pass pilgering schedules. This paper deals with standardization of the seamless route processes for fabrication of calandria tubes, comparison between the tubes produced by 2-pass and 3-pass pilgering schedules, role of ultrasonic test charts for control of process parameters, development of new testing methods for burst testing and other properties

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 ...

Application of GIS-based SCS-CN method in West Bank catchments, Palestine

Directory of Open Access Journals (Sweden)

Sameer Shadeed

2010-03-01

Full Text Available Among the most basic challenges of hydrology are the prediction and quantification of catchment surface runoff. The runoff curve number (CN is a key factor in determining runoff in the SCS (Soil Conservation Service based hydrologic modeling method. The traditional SCS-CN method for calculating the composite curve number is very tedious and consumes a major portion of the hydrologic modeling time. Therefore, geographic information systems (GIS are now being used in combination with the SCS-CN method. This paper assesses the modeling of flow in West Bank catchments using the GIS-based SCS-CN method. The West Bank, Palestine, is characterized as an arid to semi-arid region with annual rainfall depths ranging between 100 mm in the vicinity of the Jordan River to 700 mm in the mountains extending across the central parts of the region. The estimated composite curve number for the entire West Bank is about 50 assuming dry conditions. This paper clearly demonstrates that the integration of GIS with the SCS-CN method provides a powerful tool for estimating runoff volumes in West Bank catchments, representing arid to semi-arid catchments of Palestine.

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"

A model of a code of ethics for tissue banks operating in developing countries.

Science.gov (United States)

Morales Pedraza, Jorge

2012-12-01

Ethical practice in the field of tissue banking requires the setting of principles, the identification of possible deviations and the establishment of mechanisms that will detect and hinder abuses that may occur during the procurement, processing and distribution of tissues for transplantation. This model of a Code of Ethics has been prepared with the purpose of being used for the elaboration of a Code of Ethics for tissue banks operating in the Latin American and the Caribbean, Asia and the Pacific and the African regions in order to guide the day-to-day operation of these banks. The purpose of this model of Code of Ethics is to assist interested tissue banks in the preparation of their own Code of Ethics towards ensuring that the tissue bank staff support with their actions the mission and values associated with tissue banking.

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...

Possibilities of the fish pass restoration

Science.gov (United States)

Čubanová, Lea

2018-03-01

According to the new elaborated methodology of the Ministry of Environment of the Slovak Republic: Identification of the appropriate fish pass types according to water body typology (2015) each barrier on the river must be passable. On the barriers or structures without fish passes new ones should be design and built and on some water structures with existed but nonfunctional fish passes must be realized reconstruction or restoration of such objects. Assessment should be done in terms of the existing migratory fish fauna and hydraulic conditions. Fish fauna requirements resulting from the ichthyological research of the river section with barrier. Hydraulic conditions must than fulfil these requirements inside the fish pass body.

Financial Liberalisation And Determinants of Profitability of Commercial Banks in India

OpenAIRE

Naidu, V.Nagarajan; Nair, Manju S

2014-01-01

Financial liberalisation efforts since 1991 have made perceptible impacts on the profitability of commercial banks in India with varying levels between public and private sectors. One of the objectives of the reform measures is to influence and change in the trends of determinants of profitability of banks towards the attainment of higher levels of profit. The regulated credit flow region wise and sector wise, restriction on the use pattern of deposit mobilised, prudential accountancy nor...

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.

Some observations of the pressure distribution in a tube bank for conditions of self generated acoustic resonance

International Nuclear Information System (INIS)

Fitzpatrick, J.A.; Donaldson, I.S.; McKnight, W.

1979-01-01

The results for mean and fluctuating pressure distributions around tubes in an in-line tube bank are presented for both non-resonant and self-excited acoustic standing wave resonant flow regimes. It is readily deduced that the nature of the flow in the bank is dramatically altered with the onset of acoustic resonance. The velocity gradients which appear across the bank with the onset of resonance would suggest regions of flow recirculation in the bank although no evidence of this was found. The spectra of fluctuating pressure on the duct roof in the bank and on tubes deep in the bank exhibited coherent peaks only during resonance. (author)

Ownership transformation of the banking sector in SEE countries

Directory of Open Access Journals (Sweden)

Dimić Maja

2017-01-01

Full Text Available Consolidation of financial markets used to be the trend on the global market in the previous three decades up to the recent economic crisis. Global phenomena, technological innovation, liberalization and deregulation used to be the factors which made the process of mergers and acquisitions in the financial sector much easier. In the banking sector of Southeastern Europe, in a turbulent environment, changes are occurring on a daily basis, forcing the banks to adjust to the new situation. The restructuring process is related to the various activities whose main result is the changed ownership structure and business strategy with a view to maximizing profitability and improving efficiency. The aim of our research is to present the banks' restructuring processes in the region of Southeastern Europe before and during the crisis, as well as to stress the fact that the ownership transformation, followed by an increased share of foreign ownership, affected the changes in the market structure and its share in total equity (in the banking balance sheet size.

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...

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...

WebPASS ICASS (HR Personnel Management)

Data.gov (United States)

US Agency for International Development — WebPASS Joint Administrative Support Platforms Post Administrative Software Suite - U.S. Department of State Executive Officers application suite. Web.PASS is the...

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

OpenAIRE

David C. Wheelock

1999-01-01

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

An experimental evaluation of multi-pass solar air heaters

Energy Technology Data Exchange (ETDEWEB)

Satcunanathan, S.; Persad, P.

1980-12-01

Three collectors of identical dimensions but operating in the single-pass, two-pass and three-pass modes were tested simultaneously under ambient conditions. It was found that the two-pass air heater was consistently better than the single-pass air heater over the day for the range of mass flow rates considered. It was also found that at a mass flow rate of 0.0095 kg s/sup -1/ m/sup -2/, the thermal performances of the two-pass and three-pass collectors were identical, but at higher flow rates the two-pass collector was superior to the three-pass collector, the superiority decreasing with increasing mass flow rate.

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.

Structural Controls of the Emerson Pass Geothermal System, Washoe County, Nevada

Energy Technology Data Exchange (ETDEWEB)

Anderson, Ryan B [Nevada Bureau of Mines and Geology, University of Nevada, Reno; Faulds, James E [Nevada Bureau of Mines and Geology, University of Nevada, Reno

2012-09-30

We have conducted a detailed geologic study to better characterize a blind geothermal system in Emerson Pass on the Pyramid Lake Paiute Tribe Reservation, western Nevada. A thermal anomaly was discovered in Emerson Pass by use of 2 m temperature surveys deployed within a structurally favorable setting and proximal to surface features indicative of geothermal activity. The anomaly lies at the western edge of a broad left step at the northeast end of Pyramid Lake between the north- to north-northeast-striking, west-dipping, Fox and Lake Range normal faults. The 2-m temperature surveys have defined a N-S elongate thermal anomaly that has a maximum recorded temperature of ~60°C and resides on a north- to north-northeaststriking fault. Travertine mounds, chalcedonic silica veins, and silica cemented Pleistocene lacustrine gravels in Emerson Pass indicate a robust geothermal system active at the surface in the recent past. Structural complexity and spatial heterogeneities of the strain and stress field have developed in the step-over region, but kinematic data suggest a WNW-trending (~280° azimuth) extension direction. The geothermal system is likely hosted in Emerson Pass as a result of enhanced permeability generated by the intersection of two oppositely dipping, southward terminating north- to north-northwest-striking (Fox Range fault) and northnortheast- striking faults.

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