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Sample records for saving saba bank

  1. Saving Saba bank: policy implications of biodiversity studies.

    Directory of Open Access Journals (Sweden)

    Paul C Hoetjes

    Full Text Available Saba Bank has always been an area of special importance to the neighboring island of Saba in the Netherlands Antilles. Sabans traditionally fished on the Bank as far back as 1907, but increasing foreign fishing pressures on the Bank in the 1970s and 1980s forced many Saban fishermen out. Concerns were compounded by the suspicion that shipping was also damaging the benthic habitat of the bank. Fishery legislation, enacted in 1996, brought an end to unlicensed fishing and established Coast Guard enforcement on the Bank, but also led to protests from neighboring countries that previously fished on the Bank.Research was necessary to support the need for protection. Review of available research of Saba Bank and rapid biological assessments and fisheries surveys since 1996 emphasized the richness of Saba Bank's biodiversity and the need for protection of fisheries stocks. The national nature policy plan recognized this and encouraged further research to base conservation measures on.Recent biological surveys of corals, fishes, and algae presented in this collection of articles emphasized habitat heterogeneity and the relative richness of the marine flora and fauna. These assessments formed the basis for a management plan to protect Saba Bank's biodiversity and a draft proposal to the International Maritime Organization (IMO seeking Particularly Sensitive Sea Area (PSSA status for the Bank. The intention of the PSSA proposal is to protect the benthic habitat on Saba Bank from anchor damage. This paper serves to provide the context for the results of the recent biodiversity surveys of Saba Bank. It is hoped that this collection will serve as a knowledge baseline and engender further research in the area.

  2. Saba Bank research expedition 2011 - Progress Report

    NARCIS (Netherlands)

    Beek, van I.J.M.; Meesters, H.W.G.

    2013-01-01

    The Saba Bank is a large submerged carbonate platform of approximately 2,200 km2 in the Caribbean Sea which lies partially within the Exclusive Economic Zone of the Netherlands and partially within the territorial waters of Saba and St. Eustatius. The Saba Bank research program aims to obtain

  3. Saba Bank research expedition 2013 - Progress Report

    NARCIS (Netherlands)

    Beek, van I.J.M.; Meesters, H.W.G.

    2014-01-01

    The Saba Bank is the largest submerged carbonate platform of 2,200 km2 in the Caribbean Sea, which lies partially within the Exclusive Economic Zone of the Netherlands and partially within the territorial waters of Saba and St. Eustatius. The Saba Bank houses an expansive coral reef ecosystem with a

  4. Lobster trap detection at the Saba Bank

    NARCIS (Netherlands)

    Beek, van I.J.M.

    2012-01-01

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

  5. Preliminary Assessment of Sponge Biodiversity on Saba Bank, Netherlands Antilles

    NARCIS (Netherlands)

    Thacker, R.W.; Díaz, M.C.; de Voogd, N.J.; van Soest, R.W.M.; Freeman, C.J.; Mobley, A.S.; LaPietra, J.; Cope, K.; McKenna, S.

    2010-01-01

    Background Saba Bank Atoll, Netherlands Antilles, is one of the three largest atolls on Earth and provides habitat for an extensive coral reef community. To improve our knowledge of this vast marine resource, a survey of biodiversity at Saba Bank included a multi-disciplinary team that sampled

  6. Preliminary assessment of sponge biodiversity on Saba Bank, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Robert W Thacker

    Full Text Available BACKGROUND: Saba Bank Atoll, Netherlands Antilles, is one of the three largest atolls on Earth and provides habitat for an extensive coral reef community. To improve our knowledge of this vast marine resource, a survey of biodiversity at Saba Bank included a multi-disciplinary team that sampled fishes, mollusks, crustaceans, macroalgae, and sponges. METHODOLOGY/PRINCIPAL FINDINGS: A single member of the dive team conducted surveys of sponge biodiversity during eight dives at six locations, at depths ranging from 15 to 30 m. This preliminary assessment documented the presence of 45 species pooled across multiple locations. Rarefaction analysis estimated that only 48 to 84% of species diversity was sampled by this limited effort, clearly indicating a need for additional surveys. An analysis of historical collections from Saba and Saba Bank revealed an additional 36 species, yielding a total of 81 sponge species recorded from this area. CONCLUSIONS/SIGNIFICANCE: This observed species composition is similar to that found on widespread Caribbean reefs, indicating that the sponge fauna of Saba Bank is broadly representative of the Caribbean as a whole. A robust population of the giant barrel sponge, Xestospongia muta, appeared healthy with none of the signs of disease or bleaching reported from other Caribbean reefs; however, more recent reports of anchor chain damage to these sponges suggests that human activities can have dramatic impacts on these communities. Opportunities to protect this extremely large habitat should be pursued, as Saba Bank may serve as a significant reservoir of sponge species diversity.

  7. Wave-swept coralliths of Saba Bank, Dutch Caribbean

    NARCIS (Netherlands)

    Hoeksema, Bert W.; Hassell, Dahlia; Meesters, Erik H.W.G.; Duyl, van Fleur C.

    2017-01-01

    During a recent reef coral survey at the submarine Saba Bank (Eastern Caribbean), an uncommon and diverse assemblage of unattached scleractinian corals (coralliths) was encountered, which has not been reported from the Atlantic before. Four different types of these free-living (unattached) corals

  8. Marine macroalgal diversity assessment of Saba Bank, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Mark M Littler

    Full Text Available BACKGROUND: Located in the Dutch Windward Islands, Saba Bank is a flat-topped seamount (20-45 m deep in the shallower regions. The primary goals of the survey were to improve knowledge of biodiversity for one of the world's most significant, but little-known, seamounts and to increase basic data and analyses to promote the development of an improved management plan. METHODOLOGY/PRINCIPAL FINDINGS: Our team of three divers used scuba to collect algal samples to depths of 50 m at 17 dive sites. Over 360 macrophyte specimens (12 putative new species were collected, more than 1,000 photographs were taken in truly exceptional habitats, and three astonishing new seaweed community types were discovered. These included: (1 "Field of Greens" (N 17 degrees 30.620', W 63 degrees 27.707' dominated by green seaweeds as well as some filamentous reds, (2 "Brown Town" (N 17 degrees 28.027', W 63 degrees 14.944' dominated by large brown algae, and (3 "Seaweed City" (N 17 degrees 26.485', W 63 degrees 16.850' with a diversity of spectacular fleshy red algae. CONCLUSIONS/SIGNIFICANCE: Dives to 30 m in the more two-dimensional interior habitats revealed particularly robust specimens of algae typical of shallower seagrass beds, but here in the total absence of any seagrasses (seagrasses generally do not grow below 20 m. Our preliminary estimate of the number of total seaweed species on Saba Bank ranges from a minimum of 150 to 200. Few filamentous and thin sheet forms indicative of stressed or physically disturbed environments were observed. A more precise number still awaits further microscopic and molecular examinations in the laboratory. The expedition, while intensive, has only scratched the surface of this unique submerged seamount/atoll.

  9. Biodiversity Assessment of the Fishes of Saba Bank Atoll, Netherlands Antilles

    Science.gov (United States)

    Williams, Jeffrey T.; Carpenter, Kent E.; Van Tassell, James L.; Hoetjes, Paul; Toller, Wes; Etnoyer, Peter; Smith, Michael

    2010-01-01

    Biodiversity surveys were conducted on Saba Bank, Netherlands Antilles, to assess ichthyofaunal richness and to compare with published surveys of other Caribbean localities. The primary objective was to estimate the total species richness of the Saba Bank ichthyofauna. A variety of sampling techniques was utilized to survey the fish species of both the visually accessible megafauna and the camouflaged and small-sized species comprising the cryptic ichthyofauna. Based on results presented herein, the number of species known on Saba Bank is increased from 42 previously known species to 270 species. Expected species-accumulation curves demonstrate that the current estimate of species richness of fishes for Saba Bank under represents the actual richness, and our knowledge of the ichthyofauna has not plateaued. The total expected fish-species richness may be somewhere between 320 and 411 species. The Saba Bank ichthyofaunal assemblage is compared to fish assemblages found elsewhere in the Caribbean. Despite the absence of shallow or emergent shore habitats like mangroves, Saba Bank ranks as having the eighth highest ichthyofaunal richness of surveyed localities in the Greater Caribbean. Some degree of habitat heterogeneity was evident. Fore-reef, patch-reef, and lagoonal habitats were sampled. Fish assemblages were significantly different between habitats. Species richness was highest on the fore reef, but 11 species were found only at lagoonal sites. A comprehensive, annotated list of the fishes currently known to occur on Saba Bank, Netherland Antilles, is provided and color photographs of freshly collected specimens are presented for 165 of the listed species of Saba Bank fishes to facilitate identification and taxonomic comparison with similar taxa at other localities. Coloration of some species is shown for the first time. Preliminary analysis indicates that at least six undescribed new species were collected during the survey and these are indicated in the

  10. Biodiversity assessment of the fishes of Saba Bank atoll, Netherlands Antilles.

    Science.gov (United States)

    Williams, Jeffrey T; Carpenter, Kent E; Van Tassell, James L; Hoetjes, Paul; Toller, Wes; Etnoyer, Peter; Smith, Michael

    2010-05-21

    Biodiversity surveys were conducted on Saba Bank, Netherlands Antilles, to assess ichthyofaunal richness and to compare with published surveys of other Caribbean localities. The primary objective was to estimate the total species richness of the Saba Bank ichthyofauna. A variety of sampling techniques was utilized to survey the fish species of both the visually accessible megafauna and the camouflaged and small-sized species comprising the cryptic ichthyofauna.Based on results presented herein, the number of species known on Saba Bank is increased from 42 previously known species to 270 species. Expected species-accumulation curves demonstrate that the current estimate of species richness of fishes for Saba Bank under represents the actual richness, and our knowledge of the ichthyofauna has not plateaued. The total expected fish-species richness may be somewhere between 320 and 411 species.The Saba Bank ichthyofaunal assemblage is compared to fish assemblages found elsewhere in the Caribbean. Despite the absence of shallow or emergent shore habitats like mangroves, Saba Bank ranks as having the eighth highest ichthyofaunal richness of surveyed localities in the Greater Caribbean. Some degree of habitat heterogeneity was evident. Fore-reef, patch-reef, and lagoonal habitats were sampled. Fish assemblages were significantly different between habitats. Species richness was highest on the fore reef, but 11 species were found only at lagoonal sites.A comprehensive, annotated list of the fishes currently known to occur on Saba Bank, Netherland Antilles, is provided and color photographs of freshly collected specimens are presented for 165 of the listed species of Saba Bank fishes to facilitate identification and taxonomic comparison with similar taxa at other localities. Coloration of some species is shown for the first time. Preliminary analysis indicates that at least six undescribed new species were collected during the survey and these are indicated in the annotated

  11. Biodiversity assessment of the fishes of Saba Bank atoll, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Jeffrey T Williams

    Full Text Available Biodiversity surveys were conducted on Saba Bank, Netherlands Antilles, to assess ichthyofaunal richness and to compare with published surveys of other Caribbean localities. The primary objective was to estimate the total species richness of the Saba Bank ichthyofauna. A variety of sampling techniques was utilized to survey the fish species of both the visually accessible megafauna and the camouflaged and small-sized species comprising the cryptic ichthyofauna.Based on results presented herein, the number of species known on Saba Bank is increased from 42 previously known species to 270 species. Expected species-accumulation curves demonstrate that the current estimate of species richness of fishes for Saba Bank under represents the actual richness, and our knowledge of the ichthyofauna has not plateaued. The total expected fish-species richness may be somewhere between 320 and 411 species.The Saba Bank ichthyofaunal assemblage is compared to fish assemblages found elsewhere in the Caribbean. Despite the absence of shallow or emergent shore habitats like mangroves, Saba Bank ranks as having the eighth highest ichthyofaunal richness of surveyed localities in the Greater Caribbean. Some degree of habitat heterogeneity was evident. Fore-reef, patch-reef, and lagoonal habitats were sampled. Fish assemblages were significantly different between habitats. Species richness was highest on the fore reef, but 11 species were found only at lagoonal sites.A comprehensive, annotated list of the fishes currently known to occur on Saba Bank, Netherland Antilles, is provided and color photographs of freshly collected specimens are presented for 165 of the listed species of Saba Bank fishes to facilitate identification and taxonomic comparison with similar taxa at other localities. Coloration of some species is shown for the first time. Preliminary analysis indicates that at least six undescribed new species were collected during the survey and these are

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

    Directory of Open Access Journals (Sweden)

    Wes Toller

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

  13. Biodiversity of the Saba Bank supports status of Particularly Sensitive Sea Area (PSSA)

    NARCIS (Netherlands)

    Meesters, H.W.G.

    2010-01-01

    This report contains a study regarding the biodiversity of the Saba Bank, one of the three largest atolls in the world. All scientific and anecdotic evidence suggests that the area is a hot spot of biodiversity and one of the few areas in the Caribbean that is still in a relatively pristine

  14. Rapid assessment of stony coral richness and condition on Saba Bank, Netherlands Antilles.

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    Sheila A McKenna

    Full Text Available The benthic habitats of Saba Bank (17 degrees 25'N, 63 degrees 30'W are at risk from maritime traffic, especially oil tankers (e.g., anchoring. To mitigate this risk, information is needed on the biodiversity and location of habitats to develop a zone use plan. A rapid survey to document the biodiversity of macro-algae, sponges, corals and fishes was conducted. Here we report on the richness and condition of stony coral species at 18 select sites, and we test for the effects of bottom type, depth, and distance from platform edge. Species richness was visually assessed by roving scuba diver with voucher specimens of each species collected. Coral tissue was examined for bleaching and diseases. Thirty-three coral species were documented. There were no significant differences in coral composition among bottom types or depth classes (ANOSIM, P>0.05. There was a significant difference between sites (ANOSIM, P<0.05 near and far from the platform edge. The number of coral species observed ranged from zero and one in algal dominated habitats to 23 at a reef habitat on the southern edge of the Bank. Five reef sites had stands of Acropora cervicornis, a critically endangered species on the IUCN redlist. Bleaching was evident at 82% of the sites assessed with 43 colonies bleached. Only three coral colonies were observed to have disease. Combining our findings with that of other studies, a total of 43 species have been documented from Saba Bank. The coral assemblage on the bank is representative and typical of those found elsewhere in the Caribbean. Although our findings will help develop effective protection, more information is needed on Saba Bank to create a comprehensive zone use plan. Nevertheless, immediate action is warranted to protect the diverse coral reef habitats documented here, especially those containing A. cervicornis.

  15. Population Genetic Structure, Abundance, and Health Status of Two Dominant BenthicSpecies in the Saba Bank National Park, Caribbean Netherlands:

    NARCIS (Netherlands)

    de Bakker, D.M.; Meesters, E.H.W.G.; van Bleijswijk, J.D.L.; Luttikhuizen, P.C.; Breeuwer, H.J.A.J.; Becking, L.E.

    2016-01-01

    Saba Bank, a submerged atoll in the Caribbean Sea with an area of 2,200 km2, has attainedinternational conservation status due to the rich diversity of species that reside on the bank.In order to assess the role of Saba Bank as a potential reservoir of diversity for the surroundingreefs, we examined

  16. Rapid assessment of octocoral diversity and habitat on Saba Bank, Netherlands Antilles.

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    Peter J Etnoyer

    Full Text Available Saba Bank is a large submerged platform (approximately 2200 km(2, average depth 30 m, located 4 km southwest of Saba Island in Netherlands Antilles, Caribbean Sea. Ships traveling to and from oil terminals on nearby St. Eustatius routinely anchor on the Bank, damaging benthic megafauna. Gorgonian octocorals are vulnerable to anchor damage, and they are common and conspicuous in shallow water (15-50 m around the banks. This prompted a rapid assessment of octocoral habitat and diversity. The primary objectives were to estimate total species richness and to characterize habitats vis a vis gorgonians. Landsat imagery and multibeam bathymetry were employed to identify random sites for quantitative transects. A Seabotix LBV200L remotely operated vehicle (ROV and SCUBA were used to collect and survey to 130 m. A total of 14 scuba dives and 3 ROV dives were completed in 10 days. During that time, 48 octocoral species were collected, including two likely undescribed species in the genera Pterogorgia and Lytreia. Gorgonian richness was exceptional, but not all species were collected, because the species accumulation curve remained steeply inclined after all surveys. Two shallow-water gorgonian habitat types were identified using multidimensional scaling and hierarchical cluster analyses: 1 a high diversity, high density fore-reef environment characterized by Eunicea spp., Gorgonia spp., and Pseudopterogorgia spp. and 2 a low diversity, low density plateau environment characterized by Pseudopterogorgia acerosa, Pterogorgia guadalupensis, and Gorgonia mariae. The analyses support hypotheses of broad (approximately 15 km habitat homogeneity (ANOSIM, P>0.05, but a significant difference between fore-reef and plateau environments (ANOSIM, P<0.05. However, there was some indication of habitat heterogeneity along the 15 km study section of the 50 km platform edge along the southeast rim. Our results highlight the complexity and biodiversity of the Saba Bank, and

  17. Population Genetic Structure, Abundance, and Health Status of Two Dominant Benthic Species in the Saba Bank National Park, Caribbean Netherlands: Montastraea cavernosa and Xestospongia muta.

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    Didier M de Bakker

    Full Text Available Saba Bank, a submerged atoll in the Caribbean Sea with an area of 2,200 km2, has attained international conservation status due to the rich diversity of species that reside on the bank. In order to assess the role of Saba Bank as a potential reservoir of diversity for the surrounding reefs, we examined the population genetic structure, abundance and health status of two prominent benthic species, the coral Montastraea cavernosa and the sponge Xestospongia muta. Sequence data were collected from 34 colonies of M. cavernosa (nDNA ITS1-5.8S-ITS2; 892 bp and 68 X. muta sponges (mtDNA I3-M11 partition of COI; 544 bp on Saba Bank and around Saba Island, and compared with published data across the wider Caribbean. Our data indicate that there is genetic connectivity between populations on Saba Bank and the nearby Saba Island as well as multiple locations in the wider Caribbean, ranging in distance from 100s-1000s km. The genetic diversity of Saba Bank populations of M. cavernosa (π = 0.055 and X. muta (π = 0.0010 was comparable to those in other regions in the western Atlantic. Densities and health status were determined along 11 transects of 50 m2 along the south-eastern rim of Saba Bank. The densities of M. cavernosa (0.27 ind. m-2, 95% CI: 0.12-0.52 were average, while the densities of X. muta (0.09 ind. m-2, 95% CI: 0.02-0.32 were generally higher with respect to other Caribbean locations. No disease or bleaching was present in any of the specimens of the coral M. cavernosa, however, we did observe partial tissue loss (77.9% of samples as well as overgrowth (48.1%, predominantly by cyanobacteria. In contrast, the majority of observed X. muta (83.5% showed signs of presumed bleaching. The combined results of apparent gene flow among populations on Saba Bank and surrounding reefs, the high abundance and unique genetic diversity, indicate that Saba Bank could function as an important buffer for the region. Either as a natural source of larvae to

  18. The payout behaviour of German savings banks

    OpenAIRE

    Köhler, Matthias

    2016-01-01

    Our analysis finds that despite the growing number, the majority of savings banks currently do not make any payouts. Furthermore, savings banks distribute only a small part of their net profit to the shareholders. This means that they can still build up capital even if they make payouts. Savings banks also hold significantly more capital than is called for by the regulatory framework. Finally, the regression analysis shows that savings banks that have less capital distribute profits to their ...

  19. 26 CFR 1.1502-42 - Mutual savings banks, etc.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Mutual savings banks, etc. 1.1502-42 Section 1... (CONTINUED) INCOME TAXES Special Taxes and Taxpayers § 1.1502-42 Mutual savings banks, etc. (a) In general. This section applies to mutual s avings banks and other institutions described in section 593(a). (b...

  20. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan associations, and cooperative banks. 1.581-2 Section 1.581-2 Internal Revenue INTERNAL REVENUE SERVICE... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While the...

  1. Demographic Change and Bank Profitability.Empirical Evidence from German Savings Banks

    OpenAIRE

    Berlemann, Michael; Oestmann, Marco; Thum, Marcel

    2010-01-01

    Most European economies will experience significant demographic changes in the decades ahead. Due to low birth rates, populations are shrinking and ageing at the same time. This paper explores the impact of demographic change on the banking industry. A unique data set, which contains detailed information on almost 2.5 million accounts in 11 German savings banks, allows us estimating the socio-demographic determinants of retail profitability. Using a simulation model, we are able to predict th...

  2. Still the century of government savings banks? The Caixa Econômica Federal

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    Kurt von Mettenheim

    2006-03-01

    Full Text Available This article explores general concerns about government banking, social inclusion, and democracy through case study of the Brazilian federal government savings bank (Caixa Econômica Federal. Review of government savings banks in Brazilian history suggests that these institutions have been at the center of domestic political economy, expanding and contracting under a variety of political regimes and economic conditions. Since capitalization to meet central bank and Basel Accord guidelines in 2001, the Caixa has attempted to modernize, continue to serve as agent for government policies, and expand both popular credit and savings and investment banking activities.

  3. 75 FR 65404 - Security Savings Bank, FSB; Olathe, KS; Notice of Appointment of Receiver

    Science.gov (United States)

    2010-10-22

    ... Office of Thrift Supervision Security Savings Bank, FSB; Olathe, KS; Notice of Appointment of Receiver Notice is hereby given that, pursuant to the authority contained in section 5(d)(2) of the Home Owners... Corporation as sole Receiver for Security Savings Bank, FSB, Olathe, Kansas (OTS No. 06084), on October 15...

  4. 26 CFR 1.594-1 - Mutual savings banks conducting life insurance business.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks conducting life insurance... savings banks conducting life insurance business. (a) Scope of application. Section 594 applies to the... insurance business, if: (1) The conduct of the life insurance business is authorized under State law, (2...

  5. Humpback and minke whale acoustic presence with reference to fish sounds and ambient noise levels at Saba Bank, Caribbean Windward Dutch Islands

    NARCIS (Netherlands)

    Risch, D.; Haan, de D.

    2016-01-01

    The Antillean Island chain is a known breeding and calving ground for North Atlantic humpback whales (Megaptera novaeangliae). However, while most research efforts for this species have focused on the largest aggregation of whales, located on Silver Bank, off the northern coast of the Dominican

  6. The Model For Linking Savings And Credit Groups With Banks In ...

    African Journals Online (AJOL)

    The Model For Linking Savings And Credit Groups With Banks In Akwa Ibom State, Nigeria. ... It utilized simple statistical tools and the multiple regression analyses to assess the lending and savings component of the linkage. The results show that project choices of some groups are correlated: groups only sign documents ...

  7. Financial Liberalization, Savings and the Banking Sector in Bangladesh

    NARCIS (Netherlands)

    S.M. Murshed (Syed); I.A. Robin (Iftekhar Ahmed)

    2012-01-01

    textabstractThis article explores the consequences of financial liberalization policy on the banking sector in Bangladesh. Following a motivating portfolio selection theor-etical model on the impact of liberalization, it applies time series techniques with annual banking sector data for the period

  8. Feeding your piggy bank with intentions : A study on saving behaviour, saving strategies, and happiness

    NARCIS (Netherlands)

    De Francisco Vela, S.; Desmet, P.M.A.; Casais, M.

    2014-01-01

    The act of saving money can connect one’s present state to a meaningful future state, especially if we consider money not as a direct source of happiness, but as a resource for engaging in meaningful activities. To explore how design can contribute to making the act of saving more meaningful, we

  9. 78 FR 52391 - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding...

    Science.gov (United States)

    2013-08-23

    ... the Council assesses the systemic risk posed by nonbank financial companies, the Council excludes... CFR Part 246 RIN 7100-AD-95 Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding Companies With Total Consolidated Assets of $50 Billion or More and Nonbank...

  10. Ernest, or prison of Umberto Saba

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    Dario Prola

    2015-12-01

    Full Text Available Privileged meeting point between Slavic, Latin and Germanic cultures, Trieste has always been a breeding ground of literal experiments, a place where the old meets the new, tradition modernity. Its natural creativity and receptivity is to be found in its flowing, open identity, in the absence of that weight that national institutions ascribe to monoethnic and national culture. Ernest, the uncompleted novel of Umberto Saba, an Italian poet native of Trieste, was written in 1953 just before dying and published in 1975. Its open and indefinite form still fascinates critics and readers. It is the late confession of Saba's conquer of his sexual and artistic identity, with the city of Trieste between nineteenth and twentieth century as background. In this Künstlerroman Nietzsche and Freud's lesson has been elevated by Saba's lyric strength and by a prose, which expressive style comes from the combination of literal Italian and the Triestine dialect. This article offers the analyses of the text through the definition of the concepts of undefinedness, intimacy and lightness in Umberto Saba's poetic.

  11. Factors Affecting The Customer Saving in KC Singkawang Bank Syariah Mandiri

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    Maulina Fera

    2017-10-01

    Full Text Available This study aims to determine how much influence the product factor, quality of services provided, offered profit sharing ratio and religiosity factor customers to save customers' interest in Bank Syariah Mandiri (BSM KC Singkawang. The research location is in Singkawang, where people Singkawang has a multi-ethnic city that consists of three (3 the largest ethnic Chinese, Malay and Dayak. This underlying this research. The method used is an associative method, the data collection technique of distributing questionnaires to the respondents to explore related information about the factors that affect customers save on BSM KC Singkawang. This research resulted in the coefficient of determination (R2 of 0443 which means that the variable products, services, revenue sharing and religiosity can explain the customer's decision in BSM KC Singkawang saving of 44.3%. While the remaining 55.7% is influenced by other factors not included in this research model.

  12. MARKETING STRATEGY OF STUDENTS PERCEPTION TO SAVE IN SYARIAH BANKING AT SRIWIJAYA UNIVERSITY PALEMBANG (Strategi Pemasaran Terhadap Persepsi Mahasiswa Untuk Menabung Di Bank Syariah Pada Universitas Sriwijaya Palembang

    Directory of Open Access Journals (Sweden)

    Delta Khairunnisa

    2014-08-01

    Full Text Available This research entitled Marketing Strategy of Students Perception to save in Syariah Banking at Sriwijaya University Palembang was aimed at investigating and analyzing whether mixed marketing variables altogether affected students decision on whether or not to save at Syariah Banking, and to investigate which factors that were the most dominant. This research was a causal research which used two groups of variables. They were independent variables consisting of product (X1, price (X2, place (X3, promotion (X4, people (X5, process (X6, and customer service (X7. The dependent variables was students perception (Y toward to service of syariah banking which consisted of expectation, motivation, and learning. To measure relationship among variables, multiple regression statistical analysis was used. Based on the results of regression analysis, all mixed marketing variables altogether affected students’ decision making in whether or not saving at syariah banking. Partially, variables of product, promotion and customer service had dominant affects toward students’ decision on saving at syariah banking.

  13. Bank-based investing RoSCA for Islamic finance: a new alternative to drain households savings and reduce financial exclusion

    OpenAIRE

    BOUSALAM, Issam; HAMZAOUI, Moustapha

    2015-01-01

    On the arrival of the new banking law in Morocco, in august 2015, conventional banks and their foreign rivals will finally have the possibility to create their subsidiaries dedicated to microcredit, participative finance and payment, and hence, supply the market with new Islamic financial solutions for money saving and financing. In order to drain the substantial households savings escaping to classic banks, and consequently, gain ground among these latter, we think that those ...

  14. Internal Control of Derivatives Usage by Spanish Savings Banks: An Empirical Survey

    Directory of Open Access Journals (Sweden)

    Ana Fernández-Laviada

    2007-12-01

    Full Text Available Global derivatives activity continues to expand although they have provided some of the most devastating financial disasters. The debate on their regulation has always been present and is still unresolved. However, without undervaluing the importance of regulation and the usefulness of an adequate external control, a sound internal control system is essential to prevent new financial scandals. First of all, this paper, through the review of existing recommendations, rules, regulation and academic literature, studies and analyses the need and importance of internal control in derivative usage for risk management. And secondly, through a questionnaire about established policies, procedures and internal controls, it provides evidence related to its usage and control by Spanish savings banks.El uso de los derivados sigue en expansión a pesar de haber ocasionado alguno de los mayoresescándalos financieros.El debate sobre su regulación, todavía sin resolver, ha estado siempre presente. No obstante,y sin menospreciar la importancia de la regulación y la utilidad de un adecuado controlexterno, un buen sistema de control interno es esencial para prevenir nuevos desastres.Este trabajo, en primer lugar, a través de la revisión de las recomendaciones, normas,regulación y literatura académica existente, estudia y analiza la necesidad e importancia delcontrol interno en el uso de los derivados para la gestión del riesgo. Y en segundo lugar, através de un cuestionario sobre las políticas, procedimientos y controles internos establecidos,aporta evidencia sobre el uso y control de los mismos por las cajas de ahorros españolas.

  15. THE NEED OF BANK RESOLUTION TOOLS FOR THE SAVING THE CREDIT INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Lucian-Ion MEDAR

    2016-12-01

    Full Text Available Prudential supervision of credit institutions by the national authority leads to better their financial stability, especially in times of financial crisis. Governance and bank resolution of credit institutions posing systemic importance are two distinct functions that are monitored by the central bank as the national supervisory authority of the banking system.. Identify risks and vulnerabilities of the banking system's financial components are an important task of the national supervisory authority. Banking Resolution as extreme activity may be a consequence of ineffective corporate governance of credit institutions. The emergence and development of failures in corporate governance of financial institutions and inadequate allocation of funds to support their activities may affect the financial stability of credit institutions and hence the banking system.

  16. One question: credit or debit? As health savings accounts gain in popularity, insurers and the financial services industry want to bank the cash.

    Science.gov (United States)

    Becker, Cinda

    2006-01-16

    The Blue Cross and Blue Shield Association has a new sideline-banking. By chartering its own bank, the Blues is joining other insurers that have moved into financial services to adapt to the changes being wrought by health savings accounts. And other insurers have been faster to make the move. The Blues "is certainly late to the game" of banking, says analyst Katy Henrickson, left.

  17. 78 FR 23162 - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding...

    Science.gov (United States)

    2013-04-18

    ... Sheet of the bank holding company's Consolidated Financial Statements for Bank Holding Companies (FR Y... consolidated assets in its public reports or uses a financial reporting methodology other than U.S. GAAP, the..., total assessable assets would be the average of the nonbank financial company's total consolidated...

  18. Transformational Leadership and Employee Job Satisfaction: The Case of Philippines Savings Bank Batangas Branches

    Directory of Open Access Journals (Sweden)

    NEIL P. RAMOS

    2014-12-01

    Full Text Available This paper determined the relationship between transformational leadership of the PSBank managers in the province of Batangas and the job satisfaction of PSbank employees. Specifically, it aimed to determine the level of transformational leadership of PS Bank Managers and the level of employee satisfaction of the PS Bank Batangas branches and to test if such transformational leadership relate with their employee satisfaction. Descriptive type of research was utilized in the study. Results showed that the managers of PS Bank Batangas Branches fairly often practice the transformational leadership style. The employees of PS Bank Batangas Branches are satisfied with their job. The greatest factors that influence their satisfaction are compensation and job security. The data also show that the transformational leadership style of managers of PS Bank Batangas Branches significantly affects the employee’s satisfaction in terms of their communication with their employees. A proposed measure to enhance the transformational leadership style of the managers of PS Bank has been formulated to increase the level of job satisfaction among its employees

  19. American Association of Tissue Banks

    Science.gov (United States)

    ... Brightest in Tissue Banking FIND AATB ACCREDITED TISSUE BANK INSTITUTIONS SEARCH STANDARDS FOR TISSUE BANKING ACCESS CERTIFIED TISSUE BANK SPECIALISTS (CTBS) MANAGE QDEW Workshop | Baltimore, MD Save ...

  20. Banking stem cells from human exfoliated deciduous teeth (SHED): saving for the future.

    Science.gov (United States)

    Arora, Vipin; Arora, Pooja; Munshi, A K

    2009-01-01

    Tooth derived cells are readily accessible and provide an easy and minimally invasive way to obtain and store stem cells for future use. Banking ones own tooth-derived stem cells is a reasonable and simple alternative to harvesting stem cells from other tissues. Obtaining stem cells from human exfoliated deciduous teeth (SHED) is simple and convenient, with little or no trauma. Every child loses primary teeth, which creates the perfect opportunity to recover and store this convenient source of stem cells--should they be needed to treat future injuries or ailments and presents a far better alternative to simply discarding the teeth or storing them as mementos from the past. Furthermore, using ones own stem cells poses few, if any, risks for developing immune reactions or rejection following transplantation and also eliminates the potential of contracting disease from donor cells. Stem cells can also be recovered from developing wisdom teeth and permanent teeth. Individuals have different opportunities at different stages of their life to bank these valuable cells. It is best to recover stem cells when a child is young and healthy and the cells are strong and proliferative. The purpose of this review is to discuss the present scenario as well as the technical details of tooth banking as related to SHED cells.

  1. Understanding the relationships between bank-customer relations, financial advisory services and saving behavior

    OpenAIRE

    Hermansson, Cecilia

    2015-01-01

    While the saving environment has become more complex in recent years, so has the demand for individual activity. Important impetuses include financial deregulation, globalization, technological change, and reformed pension systems. Financial institutions can provide financial advisory services to help their customers to obtain positive net benefits by avoiding mistakes and using economies of scale, and they can also attract and maintain their customers by creating strong relationships. Earlie...

  2. Saving the gene pool for the future: Seed banks as archives.

    Science.gov (United States)

    Peres, Sara

    2016-02-01

    Ensuring the salvage of future sources is a challenge for plant geneticists and breeders, as well as historians and archivists. Here, this suggestion is illustrated with an account of the emergence, in the mid-20th century, of seed banks. These repositories are intended to enable the conservation of the world's crop genetic diversity against the 'genetic erosion' of crops, an unintended consequence of the global uptake of new high-yielding Green Revolution agricultural varieties. Plant breeders and scientists advocated a strategy of freezing and long-term storage of seed which enabled the salvage of genetic diversity for future users without requiring the continual cultivation of old varieties: seed banking could preserve valuable genetic material and enable agricultural modernisation to proceed. This account of crop genetic conservation therefore shows how breeders and geneticists sought to create their own seed archives from whence the evolutionary history of crops could be made accessible in ways that are useful for the future. This analysis suggests that conservation practices are informed by ideas about the future use of material, indicating that there is value in exploring concurrently the archival and historiographical issues relating to the biomolecular big biosciences. Copyright © 2015 The Author. Published by Elsevier Ltd.. All rights reserved.

  3. The marine Algal Vegetation of St. Martin, St. Eustatius and Saba (Netherlands Antilles)

    NARCIS (Netherlands)

    Vroman, M.

    1968-01-01

    Along the coast of St. Martin, St. Eustatius and Saba the rocks above sea-level often show a number of differently coloured zones. This is clearly visible when the coast over a larger distance is formed by one type of rock, as for instance on Saba. In many places a light-coloured belt is seen above

  4. THE INFLUENCE OF PRODUCT AND COMPANY IMAGE ON SAVING DECISION THROUGH TRUST VARIABLE AT THE PEOPLE'S CREDIT BANK EKA BUMI ARTHA IN METRO CITY

    Directory of Open Access Journals (Sweden)

    Suharto

    2017-08-01

    Full Text Available This research uses product image, company image, trust, and saving decision variables. Data used in this research is primary data collected using explanatory survey method with the total population of 14,175 customers. The sample is 150 customer respondents. The instrument used in this research is a Likert scale at the Office of People's Credit Bank Eka Bumi Artha Metro. Testing of requirements instrument includes validity and reliability testing. Meanwhile, normality, homogeneity, linearity, and significance of regression testing are used in order to test the requirements analysis. Data analysis uses Structural Equation Modeling (SEM. The research result found that the product image has a positive effect on trust, the company image does not have direct postifive effect on the trust, product image has direct postifive effect on saving decision, the company image does not have direct postifive effect on the saving decision and the trust has direct postifive effect on the saving decision.

  5. Are Banks Too Big to Fail or Too Big to Save? International Evidence from Equity Prices and CDS Spreads

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2010-01-01

    Deteriorating public finances around the world raise doubts about countries’ abilities to bail out their largest banks. For an international sample of banks, this paper investigates the impact of government indebtedness and deficits on bank stock prices and CDS spreads. Overall, bank stock prices

  6. Are banks too big to fail or too big to save? International evidence from equity prices and CDS spreads

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2013-01-01

    Deteriorating public finances around the world raise doubts about countries’ abilities to bail out their largest banks. For an international sample of banks, this paper investigates the impact of bank size and government deficits on bank stock prices and CDS spreads. We find that a bank’s

  7. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... 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...

  8. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

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

  9. 12 CFR 562.4 - Audit of savings associations and savings association holding companies.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Audit of savings associations and savings association holding companies. 562.4 Section 562.4 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REGULATORY REPORTING STANDARDS § 562.4 Audit of savings associations and savings...

  10. The Addition of Spiritual Dimension on Customer Value to Investigate the Relationship of Customer Value, Customer Satisfaction and Behavior Intention on Islamic Banks Saving Products in Indonesia

    Directory of Open Access Journals (Sweden)

    Adi Zakaria Afiff

    2009-06-01

    Full Text Available This study propose the addition of a spiritual dimension in the formation of customer value, in addition to the functional, social and emotional dimension of customer value that has already been empirically tested in previous studies, among customers who own saving products at Islamic banks in Indonesia. The study also investigate the relationship between customer value and customer satisfaction, and the relationship between customer satisfaction and customer behavioral intentions among these Islamic banks customers. The results show that spiritual dimension is significantly related to the customer value together with all three other dimensions (functional, social and emotional of customer value. All dimensions have significant relationship with customer value. Finally the results also show that customer value positively influence customer satisfaction, and customer satisfaction positively influence customer behavior intentions.

  11. From the Bank Panic of 1907 to the Great Depression of 1929 and the Savings and Loan Crisis of the 1980s: Lessons for the future

    OpenAIRE

    Trompatzi, Georgia; Metaxas, Theodore

    2013-01-01

    This paper goes over three big crises with a global resonance which took place in the American economy during the 20th century. Namely, the Bank Panic of 1907, the Great Depression of 1929 and the Savings and Loan Crisis of the 1980s are examined. The paper lists the major events during the crises in question and probes the causes, consequences and ways through which each crisis was attempted to be encountered. Through this examination, useful lessons to be learned and fatal mistakes to be av...

  12. 12 CFR 561.42 - Savings account.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings account. 561.42 Section 561.42 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.42 Savings account. The term savings account means any withdrawable account, except a demand account as defined in § 561.16 of this chapter, a tax and loan account, a note...

  13. Transition wave in the collapse of the San Saba bridge

    Directory of Open Access Journals (Sweden)

    Michele eBrun

    2014-09-01

    Full Text Available A domino wave is a well-known illustration of a transition wave, which appears to reach a stable regime of propagation. Nature also provides spectacular cases of gravity driven transition waves at large scale, observed in snow avalanches and landslides. On a different scale, the micro-structure level interaction between different constituents of the macro-system may influence critical regimes leading to instabilities in avalanche-like flow systems. Most transition waves observed in systems such as bulletproof vests, racing helmets under impact, shock-wave driven fracture in solids, are transient. For some structured waveguides a transition wave may stabilize to achieve a steady regime. Here we show that the failure of a long bridge is also driven by a transition wave that may allow for steady-state regimes. The recent observation of a failure of the San Saba Bridge in Texas provides experimental evidence supporting an elegant theory based on the notion of transition failure wave. No one would think of an analogy between a snow avalanche and a collapsing bridge. Despite an apparent controversy of such a comparison, these two phenomena can both be described in the framework of a model of the dynamic gravity driven transition fault.

  14. Household savings behaviour in crisis times

    OpenAIRE

    Carin van der Cruijsen; Jakob de Haan; David-Jan Jansen; Robert Mosch

    2011-01-01

    We analyze whether households' savings behaviour was affected by adverse experiences during the crisis and knowledge about banking supervision. Using a survey among Dutch households, we find that both factors have affected the allocation of savings. Individuals whose bank went bankrupt or received government support during the crisis gather more information about banks and saving instruments and are more likely to have savings at several banks. Respondents with better knowledge about banking ...

  15. Moss flora and vegetation of Saba and St. Eustatius (West Indies)

    NARCIS (Netherlands)

    Wiersma, Paulien

    1983-01-01

    The known mossflora of the small West Indian island Saba (870 m in altitude) consists to date of 48 species, while the neighbouring island St. Eustatius (600 m) has 40 species. The two islands have 27 species in common. Widely distributed neotropical species dominate at all elevations, while

  16. Acceptability of Musa Balbisiana (Saba Banana Puree in Two Treatments in Making Ice Cream

    Directory of Open Access Journals (Sweden)

    Mario A. De Castro Jr.

    2016-11-01

    Full Text Available Musa Balbisiana or Saba is a variety of banana fruit that is nutritious and readily available in the market the whole year round. This experimental study aimed to determine the acceptability of the ice cream made from Saba banana puree in two treatments (treatment 1- cooked puree and treatment 2- uncooked puree. Data gathered were described and analyzed using a special Analysis of Variance. The sensory characteristics of the ice cream in two treatments were compared with one another based on the 9-point hedonic scale utilized by trained panelist in the education sector in secondary, tertiary and graduate school level that specialized in food related discipline such as Food Technology, Food Service Management, Technology and Livelihood Education- Food Trades and Hotel and Restaurant Management. Results indicated that in treatment 1( cooked puree the taste and texture of the ice cream were liked extremely however its color was rated liked very much, while in treatment 2 (uncooked puree the texture and color were rated liked moderately while its taste was rated liked very much. A comparison of the sensory characteristics between the two treatments revealed that there is a significant difference in terms of taste, texture and color and overall acceptability of the Saba banana ice cream. It is then recommended that in preparing Saba banana puree using treatment 1 (cooking method, the fruit should be subjected in numerous sieving process using a fine mesh siever or sifter to produce good quality puree texture.

  17. Notes on the birds of St. Martin, Saba and St. Eustatius

    NARCIS (Netherlands)

    †, Hoogerwerf A.

    1977-01-01

    In 1973, 1974 and 1975 I visited St. Maarten, Netherlands Antilles. During these visits I spent much time observing birds on this island, while short excursions were also made to the neighbouring islands Saba and St. Eustatius. The periods of our visits were: ST. MARTIN: 7-19 April, 30 April-3 May

  18. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...

  19. Operational risk in bank governance and control: How to save capital requirement through a risk transfer strategy. Evidences from a simulated case study

    Directory of Open Access Journals (Sweden)

    Enzo Scannella

    2015-06-01

    Full Text Available Operational risk management in banking has assumed such importance during the last decade. It has become increasingly important to measure, manage, and assess the impact of operational risk in the economics of banking. The purpose of this paper is to demonstrate how an effective operational risk management provides mitigating effects on capital-at-risk in banking. The paper provides evidences that an implementation of an operational risk transfer strategy reduces bank capital requirement. The paper adopts the loss distribution approach, the Monte Carlo simulation, and copula methodologies to estimate the regulatory capital and simulate an operational risk transfer strategy in banking.

  20. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank holding company. 583.4 Section 583.4 Banks... AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.4 Bank holding company. The term bank holding company means any company which has control over any bank or over any company that is or becomes a bank holding...

  1. 12 CFR 741.217 - Truth in savings.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Truth in savings. 741.217 Section 741.217 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS REQUIREMENTS FOR... Also Apply to Federally Insured State-Chartered Credit Unions § 741.217 Truth in savings. Any credit...

  2. 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.

  3. 77 FR 35965 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-06-15

    ... National Bank of Baldwin County.... Foley Alabama. First State Bank of Dekalb County........ Fort Payne... Cecilia Kentucky. First Federal Savings Bank of Elizabethtown Kentucky. Elizabethtown. Victory Community...

  4. Monitoring temporal seismic velocity fluctuations in the interiors of volcanoes on Saba and St. Eustatius using ambient seismic noise analysis

    Science.gov (United States)

    Sleeman, Reinoud; Vossen, Caron

    2017-04-01

    The volcanoes on Saba (Mt. Scenery) and St. Eustatius (The Quill) in the Caribbean Netherlands are stratovolcanoes with moderate to high volcanic hazard. Neither volcano has had a recent eruption (1640 AD Saba, 400 AD St. Eustatius) but their structure and composition resemble other dormant and active volcanoes of the Lesser Antilles. Both The Quill and Mt. Scenery show clear evidence of past pyroclastic flow activity. The time interval between eruptions of Lesser Antilles volcanoes is estimated between tens and several thousands of years. Since 2006 the Royal Netherlands Meteorological Institute (KNMI) is building up a seismic broadband network on both volcanoes, comprising one seismometer per island in 2006 and four since 2015, to monitor in real time the (a) seismic activity and (b) temporal seismic velocity fluctuations in the interiors of the volcanoes by the application of passive interferometry on the continuous seismic recordings. We present recent results of measurements of these temporal changes within the volcanoes on Saba and St. Eustatius based on cross-station correlations and cross-component correlations (using MSNoise), using up to 10 years of data. We also conducted synthetic experiments to investigate the sensitivity of the technique to verify our results. The objective is to apply this technique to real-time data recorded at the volcanoes and to build a system to provide the earliest possible warning of significant seismic velocity changes to decision makers. Saba counts about 1900 inhabitants, St. Eustatius about 3800.

  5. Technical evaluation of a potential release of OX513A Aedes aegypti mosquitoes on the island of Saba

    NARCIS (Netherlands)

    Glandorf DCM; GBV; M&V

    2017-01-01

    The mosquito Aedes aegypti transmits viruses that cause diseases such as dengue, chikungunya and zika. Measures are taken to control the mosquito since these infectious diseases represent a significant health problem. This is the case on the island of Saba, a Dutch Caribbean island. In order to

  6. Streamflow gains and losses in the Colorado River in northwestern Burnet and southeastern San Saba Counties, Texas

    Science.gov (United States)

    Braun, Christopher L.; Grzyb, Scott D.

    2015-08-12

    In October 2012, the U.S. Geological Survey (USGS), in cooperation with the Central Texas Groundwater Conservation District, began an assessment to better understand if and where groundwater from the Ellenburger-San Saba aquifer is discharging to the Colorado River, and if and where Colorado River streamflow is recharging the Ellenburger-San Saba aquifer in the study area. Discharge measurements were made to determine if different reaches of the Colorado River in northwestern Burnet and southeastern San Saba Counties are gaining or losing streamflow, the locations and quantities of gains and losses, and whether the gains and losses can be attributed to interaction between the river and the Ellenbuger-San Saba aquifer. To assess streamflow gains and losses, two sets of synoptic gain-loss discharge measurements representing different streamflow conditions were completed. In the first gain-loss streamflow survey during December 3–6, 2012 (hereinafter the fall 2012 gain-loss survey), discharge measurements were made at low-flow conditions ranging from about 30 to 60 cubic feet per second (ft3/s) at seven locations along the Colorado River. In the second gain-loss streamflow survey during May 31–June 1, 2014 (hereinafter the spring 2014 gain-loss survey), discharge measurements were made at high-flow conditions ranging from about 660 to 900 ft3/s at 12 locations along the Colorado River.

  7. 12 CFR 950.13 - Special advances to savings associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Special advances to savings associations. 950... OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.13 Special advances to savings associations..., may make short-term advances to a savings association member. (2) Such request must certify that the...

  8. 12 CFR 563e.44 - Public notice by savings associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Public notice by savings associations. 563e.44... REINVESTMENT Records, Reporting, and Disclosure Requirements § 563e.44 Public notice by savings associations. A savings association shall provide in the public lobby of its main office and each of its branches the...

  9. Genuine savings and sustainability

    OpenAIRE

    Hanley, Nicholas David; Dupuy, Louis Paul; MCLAUGHLIN, Eoin

    2015-01-01

    Genuine Savings has emerged as the leading economic indicator of sustainable economic development at the country level. It derives from the literatures on weak sustainability, wealth accounting and national income accounting. We discuss the theoretical underpinnings of GS, focusing on the relationship between changes in a nation's extended capital stock and the future path of consumption. The indicator has entered widespread use propelled by the World Bank's publications, despite its varying ...

  10. Household Savings

    DEFF Research Database (Denmark)

    Browning, Martin; Lusardi, Annamaria

    In this survey, we review the recent theoretical and empirical literature on household saving and consumption. The discussion is structured around a list of motives for saving and how well the standard theory captures these motives. We show that almost all of the motives for saving that have been...... of standard optimization techniques and focuses instead on direct consideration on saving. We provide a section on facts: who save and how much. We then discuss informally the recent decline in the U.S. saving rate and whether the theory is of much use in understanding this and other changes in aggregate...... be rationalized within a simple life cycle model. We also review a great number of studies of the consumption Euler equations. Based on our analysis of the studies cited we conclude that there is still mixed evidence that consumption is excessively sensitive to income. We also examine in depth the recent...

  11. 76 FR 12109 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-03-04

    ... Finance Bank Miami Florida. Bank of Belle Glade Belle Glade Florida. Bay Bank and Trust Panama City.... North Shore Bank, FSB Brookfield Wisconsin. Paper City Savings Association Wisconsin Rapids Wisconsin...

  12. 12 CFR 362.12 - Service corporations of insured State savings associations.

    Science.gov (United States)

    2010-01-01

    ... associations. 362.12 Section 362.12 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY ACTIVITIES OF INSURED STATE BANKS AND INSURED SAVINGS ASSOCIATIONS Activities of Insured State Savings Associations § 362.12 Service corporations of insured State savings associations. (a...

  13. Deutsche Bahn's energy-saving programme 2005 - a progress report; Das Energiesparprogramm 2005 der Deutschen Bank AG - eine Zwischenbilanz

    Energy Technology Data Exchange (ETDEWEB)

    Seifert, A. [DB AG, Bahn-Umwelt-Zentrum, Berlin (Germany)

    2003-12-01

    It was not long after Deutsche Bahn came into being as a company that it faced up to its corporate responsibility for ensuring society's environmentally compatible mobility. It had barely been created, when it adopted an energy-saving programme to run to 2005, including the long-term objectives of cutting back on energy consumption and CO{sub 2} emissions. This report summarizes the current status of the programme's implementation and how it is necessary to adapt its objectives over time to the group's modified organizational and structural profile. The article also looks forward to the programme's future follow-up. (orig.) [German] Fruehzeitig hat sich die Deutsche Bahn (DB) ihrer unternehmerischen Verantwortung zur Sicherstellung einer umweltvertraeglichen Mobilitaet der Gesellschaft gestellt und noch in ihrer Gruendungsphase mit dem Energiesparprogramm 2005 langfristig angelegte Minderungsziele fuer den Verbrauch von Energie sowie die Emission von CO{sub 2} beschlossen. Der vorliegende Beitrag gibt einen Ueberblick ueber den Stand der Umsetzung dieses Programms und die notwendigen evolutionaeren Anpassung der Zielstellungen an geaenderte organisatorische und strukturelle Rahmenbedingungen im Konzern sowie einen Ausblick auf die Fortschreibung dieses Programms. (orig.)

  14. Unforeseen importance of historical collections as baselines to determine biotic change of coral reefs: the Saba Bank case

    NARCIS (Netherlands)

    Hoeksema, B.W.; Land, van der J.; Meij, van der S.E.T.; Ofwegen, van L.P.; Reijnen, B.T.; Soest, van R.W.M.; Voogd, de N.J.

    2011-01-01

    Botanical and zoological collections may serve as archives for historical ecological research on the effects of global change and human impact on coral reef biota. Museum collections may harbour old specimens of reef-dwelling species that have become locally extinct. Such collections also help to

  15. 12 CFR 557.14 - What interest rate may I pay on savings accounts?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What interest rate may I pay on savings... DEPOSITS Deposit Activities of Federal Savings Associations § 557.14 What interest rate may I pay on savings accounts? (a) You may pay interest at any rate or anticipated rate of return on savings accounts...

  16. Control Evaluation Information System Savings

    Directory of Open Access Journals (Sweden)

    Eddy Sutedjo

    2011-05-01

    Full Text Available The purpose of this research is to evaluate the control of information system savings in the banking and to identify the weaknesses and problem happened in those saving systems. Research method used are book studies by collecting data and information needed and field studies by interview, observation, questioner, and checklist using COBIT method as a standard to assess the information system control of the company. The expected result about the evaluation result that show in the problem happened and recommendation given as the evaluation report and to give a view about the control done by the company. Conclusion took from this research that this banking company has met standards although some weaknesses still exists in the system.Index Terms - Control Information System, Savings

  17. 12 CFR 575.10 - Acquisition and disposition of savings associations, savings and loan holding companies, and...

    Science.gov (United States)

    2010-01-01

    ..., and other corporations by mutual holding companies. (a) Acquisitions—(1) Stock savings associations. A... part 574 of this chapter and, if the acquisition involves a merger or transfer of assets or liabilities... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Acquisition and disposition of savings...

  18. Teachers in Politics: Impact of Political Party Membership on Teachers' Freedom and Stability. The Case of Nigste-Saba High School, Adwa, Tigray, Ethiopia

    Science.gov (United States)

    Siyum, Berihu Asgele; Gebremedhin, Mewcha Amha

    2015-01-01

    This study attempted to explore the main influences of politics on teacher's academic freedom and on the independence of academic institutions. The general objective of this study was assessing the impact of political party membership among teachers on their freedom in the study area. Nigste Saba is a model high school which is selected…

  19. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  20. Secure savings

    Energy Technology Data Exchange (ETDEWEB)

    Dawn, Tom

    1996-09-01

    When it was installed, Dartmoor Prison`s environmental management system promised enough savings in labour and energy to pay for itself in well under five years. The system`s benefits are appreciated by staff and are thoroughly practical. (author)

  1. 12 CFR 502.26 - How does OTS calculate the semi-annual assessment for savings and loan holding companies?

    Science.gov (United States)

    2010-01-01

    ...-site supervision of a noncomplex, low risk savings and loan holding company structure. OTS will... savings and loan holding companies: a component based on the risk or complexity of the savings and loan... assessment for savings and loan holding companies? 502.26 Section 502.26 Banks and Banking OFFICE OF THRIFT...

  2. Building Savings and Investments Culture among Nigerians | Imegi ...

    African Journals Online (AJOL)

    Building Savings and Investments Culture among Nigerians. ... It is therefore necessary to build among Nigerians savings and investments culture. ... Savings can be done through piggy, stokvel, thrift collection, credits unions, and banking system while investment is in the form of real asset, financial asset, and foreign ...

  3. 77 FR 14787 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-03-13

    ... Credit Union Marietta Georgia. The Merchants And Citizens Bank McRae Georgia. Southwest Georgia Bank... of Ohio County Dundee Kentucky. Kentucky Neighborhood Bank Elizabethtown........ Kentucky. Peoples.... Belpre Savings Bank Belpre Ohio. Bethel Building & Loan Company Bethel Ohio. Equitable Savings & Loan...

  4. Islamic banking

    OpenAIRE

    Němec, Jan

    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.

  5. Retail Banking

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-07-01

    Full Text Available The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one trends, especially household deposits and credits and last retail banking in particular banks.

  6. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  7. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... Download Instructions Explorer: Right-click on the link, choose "Save target as…", save file in desired location. Firefox/Chrome: Right-click on the link, choose "Save link as…", save file in desired location. ...

  8. Item Banking.

    Science.gov (United States)

    Rudner, Lawrence

    1999-01-01

    Discusses the advantages and disadvantages of using item banks while providing useful information to those who are considering implementing an item banking project in their school district. The primary advantage of item banking is in test development. Also describes start-up activities in implementing item banking. (SLD)

  9. 12 CFR 303.46 - Financial education programs that include the provision of bank products and services.

    Science.gov (United States)

    2010-01-01

    ... principles of personal financial management, banking operations, or the benefits of saving for the future... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Financial education programs that include the provision of bank products and services. 303.46 Section 303.46 Banks and Banking FEDERAL DEPOSIT INSURANCE...

  10. Islamic banking

    OpenAIRE

    Логвинова, М. В.; Хоменкова, Д. Д.

    2016-01-01

    The prohibition of interest is the feature of Islamic banking which most distinctly sets it apart from conventional banking. To Western eyes, this seems a strange restriction, but Christian countries themselves maintained such a ban for 1,400 years. Islamic Banking asks why Islam has been able to maintain its stand. The book explores the intricacies of Islamic law and the religious and ethical principles underpinning Islamic banking. It then considers the analytical basis of Islamic banking a...

  11. 12 CFR 7.1021 - National bank participation in financial literacy programs.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank participation in financial literacy programs. 7.1021 Section 7.1021 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... personal economics or the benefits of saving for the future, and is not designed for the purpose of profit...

  12. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... TV Contact and Feedback Form Download Instructions Explorer: Right-click on the link, choose "Save target as…", save file in desired location. Firefox/Chrome: Right-click on the link, choose "Save link as…", ...

  13. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... and public health professionals. More > Hand Hygiene Saves Lives (5:10) Recommend on Facebook Tweet Share Compartir Hand Hygiene Saves Lives Hand Hygiene Saves Lives Transcript [28 KB, 2 pages] High resolution [22. ...

  14. Hand Hygiene Saves Lives

    Science.gov (United States)

    ... and public health professionals. More > Hand Hygiene Saves Lives (5:10) Recommend on Facebook Tweet Share Compartir Hand Hygiene Saves Lives Hand Hygiene Saves Lives Transcript [28 KB, 2 pages] High resolution [22. ...

  15. Participatory Savings And Borrowing For Start-Up And ...

    African Journals Online (AJOL)

    This study of Farmer cash savers and borrowers was conducted in 5 branches of a formal small farmer-centered credit institution- the Nigerian Agricultural Cooperatives and Rural Development Bank(NACRDB) in Abia State, Nigeria. Thirty-two (32) farmers who had mandatory savings with the bank were involved.

  16. Macroeconomic Determinants of Financial Savings in Ghana | Osei ...

    African Journals Online (AJOL)

    The trend analysis of the historical relationship between financial savings and ... gross domestic product impact significantly on the level of financial savings in the country. ... This re-affirms economic theory (Keynesian theory) and other empirical ... reforms which brought innovation and competition into the banking sector.

  17. Empirical determinants of consumers' uptake of electronic banking ...

    African Journals Online (AJOL)

    banking from e-commerce, has altered the nature of personal-customer banking relationships and has many advantages over traditional banking delivery channels. This includes an increased customer base, cost savings, mass customization and product innovation, marketing and communications, development of non- ...

  18. 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.

  19. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... Save link as…", save file in desired location. Safari: Right-click or command-click on the link, ... Save link as…", save file in desired location. Safari: Right-click or command-click on the link, ...

  20. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... target as…", save file in desired location. Firefox/Chrome: Right-click on the link, choose "Save link ... target as…", save file in desired location. Firefox/Chrome: Right-click on the link, choose "Save link ...

  1. Household Saving in Australia

    OpenAIRE

    Richard Finlay; Fiona Price

    2014-01-01

    This paper investigates household saving behaviour in Australia, as well as the drivers behind the recent rise in the aggregate household saving ratio. Our results explaining differences in saving behaviour across households are consistent with theory and previous findings. As might be expected, households' saving ratios tend to increase with income, but decrease with wealth and gearing. Financially constrained and migrant households tend to save more than other households, all else equal. Wh...

  2. 12 CFR Appendix C to Part 3 - Capital Adequacy Guidelines for Banks: Internal-Ratings-Based and Advanced Measurement Approaches

    Science.gov (United States)

    2010-01-01

    ..., the Council of Europe Development Bank, and any other multilateral lending institution or regional... (Farmer Mac), a multilateral development bank, a depository institution, a bank holding company, a savings... development bank means the International Bank for Reconstruction and Development, the International Finance...

  3. 12 CFR Appendix D to Part 325 - Capital Adequacy Guidelines for Banks: Internal-Ratings-Based and Advanced Measurement Approaches

    Science.gov (United States)

    2010-01-01

    ..., the Council of Europe Development Bank, and any other multilateral lending institution or regional... (Farmer Mac), a multilateral development bank, a depository institution, a bank holding company, a savings... development bank means the International Bank for Reconstruction and Development, the International Finance...

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

    Directory of Open Access Journals (Sweden)

    Mohammad Nazim Uddin

    2018-01-01

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

  5. 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...

  6. Kosovo Banking Paradox

    Directory of Open Access Journals (Sweden)

    Florin Aliu

    2016-12-01

    Full Text Available Kosovo does not have a bond market, which would enable companies, people and other economic agents to have access to it, that would have been a substitute for the companies to get other sources of funds beside banking sector. The Kosovo economy has only one source of institutional money injected into the economy and that is the banking industry. Bringing back the money of Kosovo Pension and Saving Trust (KPST to Kosovo would have been a huge injection for the economy to raise GDP and lower unemployment. Since the companies in Kosovo contain a lot of asymmetric information within their financial statements, clearing the way for KPST how to allocate their investments in Kosovo would be through alleviating asymmetric information. The paper stands on the general concepts of the asymmetric information and how to alleviate it within the financial market and particularly within the bond market. The other part of the paper concentrates on theoretical framework how to eliminate asymmetricbinformation for the companies who want to get funding from KPST. Therefore, it is necessary to have healthy banks and a better environment to have a sound bond market. On the other hand, the bond market may increase the health of banks by enhancing market competition.

  7. Merger Bank Bermasalah di Indonesia

    Directory of Open Access Journals (Sweden)

    Titik Indrawati

    2001-09-01

    Full Text Available The basic of problem for direction and senior manager bank is how to maximalize the value of share owner. It focus on how to make value by merger, how to get the value of bank target, and how to consider the nonfinancial influence the value by merger. The objective of the research wrap up the traveling’s merger and acquisition phenomenon in Indonesia. That objective are more focused on how merger can increase value, how to decide Bank’s value and the non financial parameter that can affact the sucsess of the merger comp. It’s concluded that Indonesian society see Bank merger as a final action to save a Bank from Bankcoruptcy. In negotiating the merger agreement, buyer and seller must consider the financial & non financial parameters.

  8. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

    ... Delanco New Jersey Pinnacle Federal Credit Union Edison New Jersey Columbia Bank Fair Lawn New Jersey... Georgia The Bank of Edison Edison Georgia Colony Bank Fitzgerald Georgia Community Banking Company of... Hancock County Sparta Georgia Thomas County Federal Savings & Loan Thomasville Georgia Association...

  9. The Impact of Public Guarantees on Bank Risk Taking : Evidence from a Natural Experiment

    NARCIS (Netherlands)

    Gropp, R.; Grundl, C.; Guttler, A.

    2010-01-01

    In 2001, government guarantees for savings banks in Germany were removed following a law suit. We use this natural experiment to examine the effect of government guarantees on bank risk taking, using a large data set of matched bank/borrower information. The results suggest that banks whose

  10. 26 CFR 1.597-4 - Bridge Banks and Agency Control.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Bridge Banks and Agency Control. 1.597-4 Section... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Savings Banks, Etc. § 1.597-4 Bridge Banks and Agency Control. (a) Scope. This section provides rules that apply to a Bridge Bank or other Institution under Agency Control...

  11. Unanswered Quibbles with Fractional Reserve Free Banking

    Directory of Open Access Journals (Sweden)

    Philipp Bagus

    2011-07-01

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

  12. ARC Code TI: Save

    Data.gov (United States)

    National Aeronautics and Space Administration — Save is a framework for implementing highly available network-accessible services. Save consists of a command-line utility and a small set of extensions for the...

  13. Fatalism and Savings

    OpenAIRE

    Stephen, Wu; Joel, Shapiro

    2010-01-01

    We examine the impact of fatalism, the belief that one has little or no control over future events, on the decision of whether or not to save. We develop a model that predicts that fatalism decreases savings for moderately risk averse individuals, increases savings for highly risk averse individuals, and otherwise has no impact. Furthermore, fatalism decreases effort in learning about savings and investment options. We use data from National Longitudinal Survey of Youth (NLSY) and find genera...

  14. 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.

  15. On savings ratio.

    OpenAIRE

    Xiaochuan, Z.

    2011-01-01

    This paper explores the factors that affect saving and consumption behaviours, in a context where some believe that the high savings ratio of the East Asia and oil-producing countries is one major cause for the global imbalances and the crisis. The paper elaborates on the factors behind the high savings ratios in East Asia and oil producing countries and low savings ratios in the United States. It argues that the high savings in East Asia can mainly be explained by cultural and structural fac...

  16. Retirement plans, personal saving, and saving adequacy.

    Science.gov (United States)

    Yakoboski, P

    2000-03-01

    This Issue Brief addresses three questions raised by recent trends in personal saving: How are national savings measured and what is the meaning of the trends in measured personal saving rates, given what is included and what is not included in those measures? What is the effect of retirement saving programs--in particular, 401(k) plans and individual retirement accounts (IRAs)--on personal saving levels? What are the implications of existing saving behavior for the retirement income security of today's workers? The National Income and Product Accounts (NIPA), the most commonly referenced gauge of personal saving, is a widely misunderstood measure. One could argue that a complete measure of saving would include increases in wealth through capital gains, but NIPA does not factor accrued and realized capital gains on stocks and other assets into the saving rate. By one measure, accounting for capital gains results in an aggregate personal saving rate of 33 percent--more than double the rate of four decades ago. A major policy question is the impact of tax-qualified retirement saving plans (i.e., IRAs and 401(k) plans) on personal saving rates. Empirical analysis of this issue is extremely challenging and findings have been contradictory. These programs now represent an enormous store of retirement-earmarked wealth in tax-deferred vehicles: Combined, such tax-deferred retirement accounts currently have assets of about $4 trillion. Ninety percent of IRA contributions are now the result of "rollovers" as employees leave employer plans, like 401(k) plans. While leakage from the system remains a challenge, the majority of the assets in the system can be expected to be available to fund workers' retirements. One could argue that, from a retirement income security perspective, workers in general are better off because IRA and 401(k) programs exist. Surely, many of the dollars in these programs would have been saved even without the programs; but they would not necessarily

  17. Spending to save

    DEFF Research Database (Denmark)

    Larsen, Anders

    2013-01-01

    framework and guidelines for the following EEO period, i.e. 2013-2020. This paper focuses on the net savings impact and describes the evaluation method used to determine this. Three complementary analyses are described: 1) An analysis of the additionality of the reported saving, 2) an analysis...... the energy distribution companies meet their overall saving obligation, the net savings impact are about a third of the savings reported by the obligated parties. Further it was found that while energy savings in the public and business sector have a high net impact, some subsidies given under the EEO...... are inappropriately high. The net impact in the residential sector, on the other hand, was found to be very low. The evaluation recommended that the new EEO design addresses the additionality issues in order to ensure that savings realised in the residential sector are more cost-effective from a socioeconomic...

  18. CONSUMERS’ PREFERENCE TOWARD ISLAMIC BANKING

    Directory of Open Access Journals (Sweden)

    delta khairunnisa

    2017-06-01

    Full Text Available Objective - This research aims to provide empirical evidence on the factors motivating consumers to save in Islamic banking.Methods - The one sample t-test is employed to test hypothesis. The validity and the reliability of research variables have been examined.Results - The result proved that consumers’ decision to save in Islamic banking are influenced by economic and religious factors, such as receiving economic benefits, quick services, online facilities, easily reachable locations, and having a better understanding of Islamic principles.Conclusions - The existence of a relationship between economic and religious preference proves that, in making decisions, consumers wish to attain two satisfaction levels: satisfaction in the world and in the hereafter.

  19. George Bank

    Science.gov (United States)

    Codispoti, L. A.

    This book provides a rich feast for anyone who has a hunger to learn more about Georges Bank! Its 593 large pages provide articles on a wide variety of scientific and resource management topics. Many human interest features are also included. Among the latter are a photograph demonstrating the only proper way for a seagoing chemist to imbibe, and articles entitled, “My First Trip on Georges Bank,” and “‘Bait Up!’: Dory Fishing on Georges Bank.”Proving that every cloud has a silver lining, interest in producing this book was driven by the climate of controversy that surrounded Georges Bank in the latter 1970s and early 1980s. This was a time when exploratory wells were being driven to search for oil and when disputes between Canada and the United States about jurisdiction over the Bank were reaching their peak. As Backus notes in the Foreword, Woods Hole Oceanographic Institution, Woods Hole, Mass., set up a Coastal Research Center in 1979 when “the oil/fish dispute on Georges Bank was hot.” The direct costs of publishing this book were, in turn, supported by the Coastal Research Center.

  20. Perikatan Antara Bank Dan Asuransi Dalam Melindungi Uang Tunai Yang Ada Di Bank (Studi Pada Bank Sumut Dan PT. Asuransi Askrida)

    OpenAIRE

    Sari, Siti Ayuna

    2010-01-01

    In conducting the business of each person either individually or in the form of business entity, will likely face a loss or a loss. In everyday life, people often associated with banking institutions, whether for purposes of saving money or for the purposes of borrowing money. Bank in its operation would have a risk. Risks that will arise have been realized by the bank, therefore the bank needs to secure not only legally but also physically. If this risk becomes reality, then the banks will s...

  1. LAS CAJAS DE AHORRO Y LAS COOPERATIVAS DE CRÉDITO ANTE LA CRISIS: EVOLUCIÓN EN SU PRESENCIA TERRITORIAL Y EN SU OPERATIVA / SAVING BANKS AND CREDIT CO-OPERATIVES FACED WITH THE CRISIS: THE CHANGES IN THEIR LOCALIZATION AND PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Jesús PAÚL GUTIÉRREZ

    2010-01-01

    Full Text Available El artículo estudia el impacto que la crisis económica y financiera está teniendo en las entidades bancarias de carácter social, en especial en sus estrategias de financiación y de localización territorial. En primer lugar, se analizan las crecientes necesidades de financiación de la economía española durante el pasado ciclo expansivo y el decisivo papel de las instituciones financieras en la canalización del ahorro externo. Posteriormente, se analiza la evolución de la presencia territorial de las cajas de ahorro y de las cooperativas de crédito, así como la distribución de sus operaciones activas y pasivas. El análisis se realiza diferenciando dos períodos, uno desde el inicio de los noventa hasta el verano de 2007, momento en el que se inicia la crisis, y un segundo período, desde el cuarto trimestre de 2007 hasta la actualidad. / This paper examines the impact that the international economic and financial crisis is having on the behaviour of Spanish social banking institutions, particularly in their funding and localization strategies. First of all, we analyse the growing net borrowing of the Spanish economy in the former economic expansion cycle and how the national financial institutions were the primary source of foreign financing. Secondly, we analyse the evolution of territorial localization of saving banks and credit co-operatives, and of their lending and borrowing transactions. In this analysis we are going to difference two periods: since the beginning of nineties until August 2007, the start of the international financial, and a second period since the fourth quarter 2007 until now.

  2. SAVED LEAVE BONUS

    CERN Multimedia

    Division des ressources humaines

    2000-01-01

    Staff members participating in the RSL programme are entitled to one additional day of saved leave for each full period of 20 days remaining in their saved leave account on 31 December 1999.Allowing some time for all concerned to make sure that their periods of leave taken in 1999 are properly registered, HR division will proceed with the crediting of the appropriate number of days in the saved leave accounts from 25 January 2000.Human Resources DivisionTel.73359

  3. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... Center (EOC) 101 Emergency Operations Center CDC Laboratory Science: Mission Critical Saving Lives, Protecting People Environmental Health CDC Tracking Network Health Begins at Home Smoke- ...

  4. 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...

  5. Energy Savings Lifetimes and Persistence

    Energy Technology Data Exchange (ETDEWEB)

    Hoffman, Ian M. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Schiller, Steven R. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Todd, Annika [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Billingsley, Megan A. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Goldman, Charles A. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Schwartz, Lisa C. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

    2016-02-01

    This technical brief explains the concepts of energy savings lifetimes and savings persistence and discusses how program administrators use these factors to calculate savings for efficiency measures, programs and portfolios. Savings lifetime is the length of time that one or more energy efficiency measures or activities save energy, and savings persistence is the change in savings throughout the functional life of a given efficiency measure or activity. Savings lifetimes are essential for assessing the lifecycle benefits and cost effectiveness of efficiency activities and for forecasting loads in resource planning. The brief also provides estimates of savings lifetimes derived from a national collection of costs and savings for electric efficiency programs and portfolios.

  6. How to Save Money by Saving Energy.

    Science.gov (United States)

    Department of Energy, Washington, DC.

    This pamphlet presents energy conservation tips to help consumers save money. Conservation measures suggested here cover topics such as: (1) insulation; (2) space heating and cooling; (3) hot water heating; (4) cooking; (5) laundry; (6) lighting; (7) electrical appliances; (8) buying or building a home; and (9) buying, maintaining and driving a…

  7. 12 CFR Appendix F to Part 208 - Capital Adequacy Guidelines for Banks: Internal-Ratings-Based and Advanced Measurement Approaches

    Science.gov (United States)

    2010-01-01

    ... regional development bank in which the U.S. government is a shareholder or contributing member or which the... model development. In this context, backtesting is one form of out-of-sample testing. Bank holding... (Farmer Mac), a multilateral development bank, a depository institution, a bank holding company, a savings...

  8. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... As…", save file in desired location. About CDC-TV CDC-TV videos cover a variety of health, ... As…", save file in desired location. About CDC-TV CDC-TV videos cover a variety of health, ...

  9. Polish households’ saving strategies

    Directory of Open Access Journals (Sweden)

    Paulina Anioła

    2013-03-01

    Full Text Available The article presents the results of households’ saving strategies types classification. A cluster analysis method, based on households’ saving portfolio, was used for classification. Six types of strategies were distinguished: low risk, conservative, very passive, very conservative, diversification and aggressive.

  10. Potential energy savings

    DEFF Research Database (Denmark)

    Schultz, Jørgen Munthe

    1996-01-01

    This chapter describes the chosen methods for estimating the potential energy savings if ordinary window glazing is exchanged with aerogel glazing as well as commercial low-energy glazings.......This chapter describes the chosen methods for estimating the potential energy savings if ordinary window glazing is exchanged with aerogel glazing as well as commercial low-energy glazings....

  11. Plugging into Energy Savings.

    Science.gov (United States)

    Harrigan, Merrilee

    1999-01-01

    The nonprofit Alliance to Save Energy has been helping schools reduce energy consumption through a combination of retrofits, classroom instruction, and behavior. Lists eight small steps to big energy savings, among them: involve the whole school, stop leaks, turn off computers, and recycle. (MLF)

  12. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... Download Linked File As…", save file in desired location. About CDC-TV CDC-TV videos cover a variety of health, safety and preparedness ... Download Linked File As…", save file in desired location. About CDC-TV CDC-TV videos cover a variety of health, safety and preparedness ...

  13. Customer Satisfaction in Participation Banks: A Research in Kastamonu

    Directory of Open Access Journals (Sweden)

    Serkan Dilek

    2017-10-01

    Full Text Available Interest income is considered as forbidden in Islam. Therefore in Turkey, conservatives generally don’t prefer general banking and by this way funds can’t be used in economic system. So saving deficit can’t be solved in country and saving of people depreciates against inflation. Participation banks which work according to Islamic rules are set up to bring these funds to economy. Participation banking operates in more than 60 countries today and conservatives generally prefer to work with because they are working to principles of profit instead of interest. To attract and persuade more people, at first participation banks should satisfy their customers. In our study we aim to measure customer satisfaction in participation banks in Kastamonu and to reveal the differences between demographic groups. To this aim we conducted a questionnaire to customers of participation banks in Kastamonu.

  14. Bank distress, consolidation and economic development in Nigeria ...

    African Journals Online (AJOL)

    The role of the banking sector in the economic development of any country cannot be over emphasized. Inter alia, the vicious circle of poverty thesis posits that low savings, low investment and capital deficiency constitute the principal causes of underdevelopment in the Third World. Unfortunately, the banking sector has ...

  15. 31 CFR 317.9 - Role of Federal Reserve Banks.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Role of Federal Reserve Banks. 317.9 Section 317.9 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL... UNITED STATES SAVINGS BONDS § 317.9 Role of Federal Reserve Banks. (a) Role as fiscal agents. In their...

  16. Phenomenon of Swiss banking

    Directory of Open Access Journals (Sweden)

    Milenković Ivan

    2015-01-01

    Full Text Available Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstances banking secrecy has become disruptive to the further development of both Swiss banking and banking in Switzerland and whether Swiss banking will come to an end in the future.

  17. PENGARUH SIKAP MAHASISWA MUSLIM TERHADAP MINAT PADA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Agus Arwani

    2015-05-01

    Full Text Available This study has two objectives, namely 1 understanding moslem students attitudes toward Islamic banks products in Yogyakarta, and 2 determining the interest groups of students majoring in Islamic economics / muamalah in Yogyakarta on Islamic Banking. Data were collected through questionnaires and tested by regression analysis. The results showed that the attitude and subjective norms affect the interest savings in Islamic banks. This means that all independent variables have a significant positive relationship with the dependent variable.

  18. Energy saving report; Energispareredegoerelse

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2003-05-01

    Making the energy consumption more efficient in Denmark by means of energy saving are connected to the Danish government's overall National Growth Strategy. A reduced consumption of energy as a result of economic attractive energy saving initiatives leads to reduced energy costs and consequently an improvement of Denmark's competitive power. Furthermore, reducing the energy consumption decreases the vulnerability towards rising energy prices, and the security of supplies is increased. Finally energy conservation serves as a means of reducing environmental impact from the energy sector. Energy consumption is not damaging to the environment in itself, however, to the extent that energy consumption causes negative impact on the environment, e.g. through discharge of environmentally damaging substances generated during energy production, a reduction of the energy consumption will benefit the environment. Energy saving in itself does not lead to a decrease in CO{sub 2} emission in Denmark unless it is accompanied by an adjustment of CO{sub 2} quotas on production of electricity. The Danish Government emphasizes that the energy saving efforts are cost-effective both for the society and for the consumers. The energy saving report contains an updated projection of the Danish energy consumption and an evaluation of the impacts of the energy saving efforts. The impacts of more effective end use of energy are described, and an account of the barriers preventing the realization of a number of potential economic attractive energy saving initiatives is made. Finally the energy saving report presents a number of proposals for new energy saving initiatives. (BA)

  19. 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.

  20. The World Bank Pension Conceptual Framework

    OpenAIRE

    World Bank

    2008-01-01

    Since the mid 1980's, the World Bank has responded to the need to strengthen social insurance and contractual savings systems providing old age income support in developing countries. Such support has also been driven by pressures of global population aging, the erosion of informal and traditional family support systems, and weaknesses in the governance and administration of existing pensi...

  1. Simplification and Saving

    Science.gov (United States)

    Beshears, John; Choi, James J.; Laibson, David; Madrian, Brigitte C.

    2012-01-01

    The daunting complexity of important financial decisions can lead to procrastination. We evaluate a low-cost intervention that substantially simplifies the retirement savings plan participation decision. Individuals received an opportunity to enroll in a retirement savings plan at a pre-selected contribution rate and asset allocation, allowing them to collapse a multidimensional problem into a binary choice between the status quo and the pre-selected alternative. The intervention increases plan enrollment rates by 10 to 20 percentage points. We find that a similar intervention can be used to increase contribution rates among employees who are already participating in a savings plan. PMID:24443619

  2. causal links among saving, investment and growth and determinants

    African Journals Online (AJOL)

    Eyerusalem

    INF. Inflation rate. - (An increase in inflation rate reduces real interest rate and thus, reduces saving as people tend to diversify risks by spending on real assets than depositing money in the bank). LUSFC. Log of Final. Consumption values of the. United States of. America. - (In line with the relative income hypothesis, the.

  3. casual relationship between gross domestic saving and economic ...

    African Journals Online (AJOL)

    TOSHIBA

    ABSTRACT. The paper aimed to analyze the causal relationship between economic growth and savings in East Africa (1981-2014) using Vector Error Correction (VEC) method and. Johnson's approach. All statistical data used throughout this paper came from World. Bank database. The empirical study confirmed that a ...

  4. An Exploratory Study into the Adoption of Internet Banking in Mainland China

    Science.gov (United States)

    Chen, Lisa

    2012-01-01

    Given that the Chinese economy has experienced rapid growth over the last decade, developing Internet banking and transforming traditional lines of products into web sites beyond "brick and mortar" local branches will be the main drivers for both Chinese banks and foreign banks to tap into the available of Chinese savings. The primary…

  5. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... prepared for different audiences including, children, parents, and public health professionals. More > Hand Hygiene Saves Lives (5:10) ... prepared for different audiences including, children, parents, and public health professionals. More > File Formats Help: How do I ...

  6. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... is not supported by your browser. For this reason, some items on this page will be unavailable. ... CDC Laboratory Science: Mission Critical Saving Lives, Protecting People Environmental Health CDC Tracking Network Health Begins at ...

  7. Hand Hygiene Saves Lives

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    Full Text Available ... 101 Emergency Operations Center CDC Laboratory Science: Mission Critical Saving Lives, Protecting People Environmental Health CDC Tracking ... Cultures Are Our Source of Health (:30) Systems Thinking The Value of Systems Thinking (10:09) Systems ...

  8. Hand Hygiene Saves Lives

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  9. Hand Hygiene Saves Lives

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    Full Text Available ... Center (EOC) 101 Emergency Operations Center CDC Laboratory Science: Mission Critical Saving Lives, Protecting People Environmental Health ... Break the Silence: Stop the Violence Injury Prevention Research In the Swim of Things Safe Teen Drivers ...

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  11. Hand Hygiene Saves Lives

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  12. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... hospital while being treated for something else. The best way to help prevent infection is to practice proper hand hygiene. Hand Hygiene Saves Lives shows how patients can play an active role in reminding healthcare ...

  13. Hand Hygiene Saves Lives

    Medline Plus

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  14. KINERJA BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2012

    Directory of Open Access Journals (Sweden)

    Karsinah Karsinah

    2014-09-01

    Full Text Available This is a study of Islamic bank performance in Indonesia. The objects of research are 11 Islamic Banks in Indonesia from 2010 until 2012. They are BMI, BSM, Bank Syariah Mega Indonesia, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, BCA Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, and Maybank Indonesia Syariah. The variables used in this study were Deposit (I1, Assets (I2, Labor Costs (I3, Finance (O1, and Operating Income (O2. The method used in this research was Constant Return to Scale (CRS. The result of technical efficiency calculation by using DEA is 4 Islamic Banks have not been efficient; they are BRI Syariah, BCA Syariah, Bank Panin Syariah, and Bank Victoria Syariah. Further, the others Islamic Banks have reached the efficiency level. Then, it can be concluded that the majority of Islamic Banks in Indonesia have been efficient from 2010 to 2012. After having the study resuts, the Islamic banks should improve the micro policies for achieving the technical efficiency accomplishment, allocate the savings input excess into the total assets input; especially the productive assets, have firmer control for preventing moral hazard; and increase the budgeting number or crea-ting innovative product and the services cost. Penelitian ini mengenai kinerja bank syariah di Indonesia.Sampel penelitian sebanyak 11 Bank Umum Syariah yang ada di Indonesia periode tahun 2010- 2012. Bank Umum Syariah tersebut meliputi BMI, BSM, Bank Sya-riah Mega Indonesia, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, BCA Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, Maybank Indonesia Syariah. Variabel-variabel yang digunakan dalam penelitian ini adalah Simpanan (I1, Aset (I2, Biaya Tenaga Kerja (I3, Pembiayaan (O1, dan Pendapatan Operasional (O2. Metode yang dogunakan dalam penelitian ini adalah metode Constant Return to Scale (CRS. Hasil dari perhitungan efisiensi teknik dengan menggunakan DEA dari

  15. Banking Redefined

    OpenAIRE

    Varma, Vijaya Krushna Varma

    2010-01-01

    Taxation, tax collection, tax enforcement, tax compliance, allocation of revenues to various ministries or departments and money supply into the economy are unified and integrated in the banking system. There will be no Direct and Indirect taxes, tax collection departments, tax tribunals and tax enforcement agencies. Citizens need not maintain separate account books and submit tax returns annually for paying either Direct taxes on personal incomes or Indirect taxes while running business or i...

  16. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... retained their brand names and remain quoted in the Nigerian Stock Exchange since 1997. The profitability performance of these banks was measured in terms of returns on equity (ROE) and ... customers, bank management and shareholders with regard to electronic banking adoption for banking ...

  17. 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…

  18. Saving and credit cooperatives in Mexico

    Directory of Open Access Journals (Sweden)

    Martha E. Izquierdo Muciño

    2015-11-01

    Full Text Available The Saving service and Credit Popular (Cajas de Ahorro y Credito Popular first appeared in Mexico in 1951 at the initiative of the priest Pedro Velazquez, similar to the popular savings banks that existed in Canada, which had been founded by Alphonse Desjardins in the early XX century.These savings service (Cajas de Ahorro were developing successfully in almost all Mexican communities, most of them remained faithful to the principles and ordinances of the church that gave rise to them, without the government participate in this activity and without policies encouraging or regulatory actions. It was not until 1991 when the General Law of Organizations and Auxiliary Credit Activities (Ley General de Organizaciones y Actividades was enacted. However in 2000 they began to emerge problems arising from fraudulent activities by some people taking advantage of loopholes established irregular saving services. Consequently and in order to solve these problems was changing the law. The last of the fraud occurred with the popular financial called FICREA (2015, to which was amended regulatory law again and while thus sought to avoid another fraud, who really was affected is a large amount very poor indigenous and peasants.Received: 03.06.2015Accepted: 17.07.2015

  19. Phenomenon of Swiss banking

    OpenAIRE

    Milenković Ivan; Milenković Dragana

    2015-01-01

    Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstanc...

  20. Regulation of Communication Policy of Modern Banks

    Directory of Open Access Journals (Sweden)

    Ketova Natalia, P.

    2016-03-01

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

  1. Expert Meeting Report. Energy Savings You Can Bank On

    Energy Technology Data Exchange (ETDEWEB)

    Berman, Mark [Alliance for Residential Building Innovation (ARBI), Davis, CA (United States); Springer, Jeremy [Alliance for Residential Building Innovation (ARBI), Davis, CA (United States); Smith, Pepper [Alliance for Residential Building Innovation (ARBI), Davis, CA (United States); Porse, Erik [Alliance for Residential Building Innovation (ARBI), Davis, CA (United States)

    2013-02-01

    In October 2011, ARBI organized and conducted an Experts’ Meeting on the topic of performance guarantees and financing vehicles for Energy Efficiency Upgrades. The meeting brought together technical, policy, and financial experts, including researchers, experienced installation contractors, and innovative energy business leaders, in order to discuss the opportunities and challenges for the energy efficiency upgrade industry to increase market uptake of Home Energy Upgrades (HEUs) through innovative offerings, such as performance guarantees.

  2. Expert Meeting Report: Energy Savings You Can Bank On

    Energy Technology Data Exchange (ETDEWEB)

    Beman, M.; Springer, J.; Smith, P.; Porse, E.

    2013-02-01

    In October 2011, ARBI organized and conducted an Experts' Meeting on the topic of performance guarantees and financing vehicles for Energy Efficiency Upgrades. The meeting brought together technical, policy, and financial experts, including researchers, experienced installation contractors, and innovative energy business leaders, in order to discuss the opportunities and challenges for the energy efficiency upgrade industry to increase market uptake of Home Energy Upgrades (HEUs) through innovative offerings, such as performance guarantees. The meeting had several primary goals. First, it sought to understand how other industries have developed successful models for financing renewable energy installations while providing performance guarantees. This has been most recently demonstrated by the solar leasing industry. Second, the meeting explored the applicability of such business models to the energy efficiency upgrade industry. Third, the meeting sought to identify technical impediments to performance guarantees for energy efficiency retrofits. Fourth, the meeting sought to provide a common framework for these goals within the context of current financing mechanisms for energy efficiency upgrades.

  3. THE EVOLVING COMPETITIVE DYNAMICS IN THE RETAIL BANKING SECTOR IN INDIA: A CASE STUDY OF KARNATAKA BANK

    Directory of Open Access Journals (Sweden)

    Krishnakumar RAMANATHAN

    2016-08-01

    Full Text Available The banking industry in India is going through a unique competitive situation: on the one hand, the proliferation of new banks has increased competition multi-fold; on the other hand, given the rigid regulatory environment, banks have very little liberty to innovate products. The entry of multinational banking giants with superior service operations has further amplified the competition for customers. This paper examines the business performance of Karnataka bank during the period between 2006 and 2014 in order to bring home some of these challenges. Based on feedback from the branch managers, savings and current accounts - two classic banking products – suffered the most in the onslaught. Practicing managers as well as customers that we interviewed held that banking services in terms of customer experience ought to be improved and that various value added services could be introduced. Customers also expected reduced penalty for minimum balance and enhanced insurance cover for their accounts.

  4. 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

  5. The Best Way to Rob a Bank

    Directory of Open Access Journals (Sweden)

    Aleksandar Marsavelski

    2018-03-01

    Full Text Available Cohen and Machalek’s (1988 evolutionary ecological theory of crime explains why obscure forms of predation can be the most lucrative. Sutherland explained that it is better to rob a bank at the point of a pen than of a gun. The US Savings and Loans scandal of the 1980s suggested ‘the best way to rob a bank is to own one’. Lure constituted by the anomie of warfare and transition to capitalism in former Yugoslavia revealed that the best way to rob a bank is to control the regulatory system: that is, to control a central bank. This makes possible theft of all the people’s money in a society. The criminological imagination must attune to anomie created by capitalism, and to the evolutionary ecology of lure.

  6. Bank failures in banking panics: Risky banks or road kill?

    OpenAIRE

    Gerald P. Dwyer; R. W. Hafer

    2001-01-01

    Are banks that fail in banking panics the riskiest ones prior to the panics? The free banking era in the United States provides useful data to examine this question because the assets held by the banks were traded at the New York Stock Exchange. The authors estimate the ex ante riskiness of a bank’s portfolio by examining the portfolio relative to mean-variance frontiers and by examining the bank's leverage and notes relative to assets. The authors find that the ex ante riskiness of a bank’s ...

  7. Essays on relationship banking

    NARCIS (Netherlands)

    Yu, Y.

    2014-01-01

    This dissertation consists of three essays on relationship banking. The first chapter introduces the whole thesis. The second chapter studies how professional connections between firm and bank influence their banking relationships. Particularly, by focusing on the directors’ past employment with

  8. IRA's for College Savings.

    Science.gov (United States)

    McPherson, Michael S.; Byce, Charles R.

    This paper analyzes the merits of proposals to encourage saving for college by permitting families to use funds accumulated in Individual Retirement Accounts (IRA's) to pay postsecondary education expenses. The paper argues that tax treatment of such expenditures might parallel that for expenditures of IRA's for retirement purposes--deferring tax…

  9. Driver Education Saves Gas.

    Science.gov (United States)

    American Automobile Association, Falls Church, VA. Traffic Engineering and Safety Dept.

    The argument that driver education should be dropped because driver education cars use gas is shortsighted. High school driver education is an excellent vehicle for teaching concepts of energy conservation. A small investment in fuel now can result in major savings of gasoline over a student's lifetime. In addition good driver education courses…

  10. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... than a million infections in the hospital while being treated for something else. The best way to help prevent infection is to practice proper hand hygiene. Hand Hygiene Saves Lives shows how patients can play an active role ...

  11. New Savings through Sustainability

    Science.gov (United States)

    Battise, Laura

    2011-01-01

    After three years of budget cuts, California school district leaders are hard-pressed to find ways to make further reductions without impacting educational quality. However, some seasoned leaders have turned to broad sustainability strategies to find new sources of savings and revenue. This article presents case studies in which three district…

  12. Saving Malta's music memory

    OpenAIRE

    Sant, Toni

    2013-01-01

    Maltese music is being lost. Along with it Malta loses its culture, way of life, and memories. Dr Toni Sant is trying to change this trend through the Malta Music Memory Project (M3P) http://www.um.edu.mt/think/saving-maltas-music-memory-2/

  13. Hand Hygiene Saves Lives

    Medline Plus

    Full Text Available ... about CDC-TV and our videos is very important to us. Send us a comment about our videos . Learn more about CDC-TV Download Instructions Explorer: Right-click on the link, choose "Save target as…", ...

  14. Gun control saves lives

    African Journals Online (AJOL)

    homicides[3-5] and that it coincided with the introduction of stricter gun control legislation. One study estimated that more than 4 500 lives were saved across five SA cities from 2001 to 2005.[5] Pro-gun interest groups seeking to promote gun ownership and diffusion have attacked these findings, suggesting that stricter gun ...

  15. 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.

  16. 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.

  17. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

    Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

  18. "Saba"--application of knowledge and state-of-the-art technologies in the field of psychiatry for development of new diagnostics prevention and therapeutic tools for schizophrenia.

    Science.gov (United States)

    Kielan, Krzysztof; Kucharska-Pietura, Katarzyna; Warchala, Anna; Konopka, Marek; Pieniazek, Piotr; Hartel, Marcin

    2004-01-01

    The aim of project is to build a European network, which will integrate the research capabilities of a group of research institutes and university departments to provide an infrastructure for the highest quality research in psychiatric disorders, particularly in schizophrenia and schizoaffective disturbances. This network will integrate original computer expert advisory system called "Saba" with modern brain imaging techniques and neurophysiological methods, which allows for the delineation of specific subtypes and particular episodes of mental disorders and their neural bases will be studied by state-of-the art (high tech) imaging techniques. This approach will lead to new investigatory, diagnostic and therapeutic techniques. Together the members of this network will comprise an unmatched critical mass of human and other resources aimed at fundamental and applied research into a group of disorders, which impose a huge burden on social and material capital. The relationships and mutual responsibilities between neuroscience and the society it serves will be addressed specifically. Top brain research is performed at several locations in Europe. In particular, in the area of linking classical psychiatric and psychological assessment methods and the newest brain imaging techniques in mental disorders, major progress can only be made when various research groups join their efforts. Large-scale studies using different databases are critically required, which demands standardization of the description of mental disorders and of the applied techniques and methods of analysis. Imaging techniques, including functional MRI (fMRI), Evoked Potentials (EPs), brain mapping, and the computer gathered information will be shared, standardized and further developed within the network. Developing new information technology tools for simulation, visualization and data-mining will be required to enable effective search for links between mental disorders and brain characteristics

  19. STATE BENEFIT - INCENTIVE FOR SAVINGS AND INVESTMENTS

    Directory of Open Access Journals (Sweden)

    CLAUDIA ISAC

    2015-12-01

    Full Text Available The present paper aims to be an answer for many investors with financial powers, seeking financial instruments with yields above the average interest rate on the banking market. One such tool, fairly new to the Romanian banking market, has been implemented for about 14 years, and is becoming more and more an instrument for savings, investments or an aid in the purchase of a house. Regardless of the perspective presented in the table of contents, the incentive for choosing such a banking product is the state benefit, a form through which the administration creates the conditions necessary to update and develop the housing system. In the thesis I have explored aspects of legislation which, in such a short period of time have changed 3 times the amount and the method of granting the state benefit and I have also tried a quick historical and legislative evolution of the implementation of Bauspar system throughout Europe. It is pointed out that in comparison with other countries - namely Germany, England or Austria where this system is well-known and has been implemented for over 120 years - Romania is at the beginning of its journey, a fact proved especially by the number of signed contracts in relation to the number of inhabitants.

  20. Awareness of Electronic Banking System among Management Students in Pakistan

    Directory of Open Access Journals (Sweden)

    Zeeshan FAREED

    2014-06-01

    Full Text Available Electronic Banking is an essential sector of banking industry. E-banking services are gaining the attention of conventional bank’s customers rapidly. It has brought the revolutionary changes in the Pakistan banking industry in terms of customer and business perspectives. Electronic banking has got popularity in the developed as well as developing countries because it saves people time, reduces costs and people have access to all banking services on the click of a button. More often, the new innovated system allows the customers to touch their accounts at home using a mobile device or electronic terminals. This research paper focuses on growth and awareness of electronic banking among Management Students of the Okara, Pakistan. Questionnaire on 5 point Likert scale was developed to find the views of 200 respondents. Frequency distribution and correlation analysis were employed on data. The results revealed that 74% of the students are well aware about ATM and 82% of management students of our sample populations believe that e-banking is very convenient system of banking. 74% of the Management students feel secure when they have money in credit and debit card while 82% of the students prefer e-banking over traditional banking.

  1. Save More Tomorrow: Using Behavioral Economics to Increase Employee Saving.

    Science.gov (United States)

    Thaler, Richard H.; Benartzi, Shlomo

    2004-01-01

    As firms switch from defined-benefit plans to defined-contribution plans, employees bear more responsibility for making decisions about how much to save. The employees who fail to join the plan or who participate at a very low level appear to be saving at less than the predicted life cycle savings rates. Behavioral explanations for this behavior…

  2. TYPES OF SAVING BEHAVIOURS OF YOUNG RESIDENTS OF GEORGIA ON THE EXAMPLE OF TBILISI INHABITANTS

    Directory of Open Access Journals (Sweden)

    Paulina Anioła-Mikołajczak

    2014-12-01

    Full Text Available The aim of this study is to distinguish the types of saving behaviour of young Georgians – residents of the capital Tbilisi. The objective was achieved using primary survey data and cluster analysis. Three types of saving behaviour strategies were distinguished: with cash, valuing safety and diversifying saving portfolio. Research indicates that among young residents of Georgia dominates the type of valuing safety. People belonging to this group place their savings in products with a low degree of risk, such as bank deposits in the national currency, cash and insurance policies.

  3. Effect of interest rate on bank deposits: Evidences from Islamic and non-Islamic economies

    Directory of Open Access Journals (Sweden)

    Saba Mushtaq

    2017-06-01

    Full Text Available Banking sector is the backbone of any country׳s economy and bank deposits are the major tool of success for banking sector. Bank deposits are also a major part and determinant of country׳s saving. According to economic theories and practical considerations, interest rate is considered one of the major elements that can affect savings as well as bank deposits. But as we knows that in Islam interest is considered forbidden and Muslims tries to avoid interest income , So the basic purpose of this study is to know the fact that either religious factors have any effect on Muslim׳s decision while keeping their saving in banks. We used panel ARDL(Autoregressive Distributed Lag method by using 23 non-Islamic and 23 Islamic countries data from 1999 to 2014 for this study. Results showed that in Islamic countries interest rate don’t have any impact on bank deposits both in long run and short run. But in the case of non-Islamic countries interest rate have positive significant impact on bank deposits. Hence there is need of Islamic banks in countries with more Muslim population and there should be different economic policies for Islamic countries as religious factor affects decision of Muslims and interest rate doesn’t have any impact on bank׳s deposits.

  4. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure...

  5. 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’

  6. Social Capital and Savings Behavior

    DEFF Research Database (Denmark)

    Newman, Carol; Tarp, Finn; Khai, Luu Duc

    In this paper, we analyze household savings in rural Vietnam paying particular attention to the factors that determine the proportion of savings held as formal deposits. Our aim is to explore the extent to which social capital can play a role in promoting formal savings behavior. Social capital...

  7. Saving water through global trade

    NARCIS (Netherlands)

    Chapagain, Ashok; Hoekstra, Arjen Ysbert; Savenije, H.H.G.

    2005-01-01

    Many nations save domestic water resources by importing water-intensive products and exporting commodities that are less water intensive. National water saving through the import of a product can imply saving water at a global level if the flow is from sites with high to sites with low water

  8. FINANCIAL SITUATION AND ATTITUDES TOWARDS SAVING IN POLISH SOCIETY:EVIDENCE FROM MICRO DATA

    Directory of Open Access Journals (Sweden)

    ANETA MARIA KŁOPOCKA

    2014-05-01

    Full Text Available Savings of the household sector are undoubtedly very important both in terms of micro- (for the optimum personal finance management and macroeconomics (from the perspective of the economic growth. Furthermore, the major transformation has occurred in the household saving behavior in Poland in recent years. This is due to sharp changes in the functioning of the households in the period of economic transformation and is the result of the global financial and economic crisis. This paper provides empirical evidence of the complex interrelations of income, level of optimism/pessimism, attitudes towards saving and households' consumption–savings decisions. There is a strong income and savings relationship due to the positive income effect on the household saving propensity (through the increased motivation and the long run planning acceptance and the saving ability due to ample satisfaction of household consumption needs. Higher income leads to the self-restraint rejection. The level of household optimism/pessimism exerts a substantial effect on the saving motives and attitudes towards saving. The decreasing expectations leads to the slope of the overall saving motivation. Moreover pessimists seem to reveal the lowest inclination to deliberate saving. Simultaneously, they seem to be most suspicious about the bank loan incurring. The level of optimism is positively associated with both the share of savers and the level of accumulated savings.

  9. Locomotive energy savings possibilities

    Directory of Open Access Journals (Sweden)

    Leonas Povilas LINGAITIS

    2009-01-01

    Full Text Available Economic indicators of electrodynamic braking have not been properly estimated. Vehicles with alternative power trains are transitional stage between development of pollution- free vehicles. According to these aspects the investigation on conventional hybrids drives and their control system is carried out in the article. The equation that allows evaluating effectiveness of regenerative braking for different variants of hybrid drive are given. Presenting different types of locomotive energy savings power systems, which are using regenerative braking energy any form of hybrid traction vehicles systems, circuit diagrams, electrical parameters curves.

  10. Water Saving for Development

    Science.gov (United States)

    Zacharias, Ierotheos

    2013-04-01

    The project "Water Saving for Development (WaS4D)" is financed by European Territorial Cooperational Programme, Greece-Italy 2007-2013, and aims at developing issues on water saving related to improvement of individual behaviors and implementing innovative actions and facilities in order to harmonize policies and start concrete actions for a sustainable water management, making also people and stakeholders awake to water as a vital resource, strategic for quality of life and territory competitiveness. Drinkable water saving culture & behavior, limited water resources, water supply optimization, water resources and demand management, water e-service & educational e-tools are the key words of WaS4D. In this frame the project objectives are: • Definition of water need for domestic and other than domestic purposes: regional and territorial hydro-balance; • promotion of locally available resources not currently being used - water recycling or reuse and rainwater harvesting; • scientific data implementation into Informative Territorial System and publication of geo-referred maps into the institutional web sites, to share information for water protection; • participated review of the regulatory framework for the promotion of water-efficient devices and practices by means of the definition of Action Plans, with defined targets up to brief (2015) and medium (2020) term; • building up water e-services, front-office for all the water issues in building agricultural, industrial and touristic sectors, to share information, procedures and instruments for the water management; • creation and publication of a user friendly software, a game, to promote sustainability for houses also addressed to young people; • creation of water info point into physical spaces called "Water House" to promote education, training, events and new advisory services to assist professionals involved in water uses and consumers; • implementation of participatory approach & networking for a

  11. A Study on Customer Perception towards the Islamic Banking Operations

    Directory of Open Access Journals (Sweden)

    Cengiz TORAMAN

    2015-12-01

    Full Text Available Nowadays although both in Turkey and all over the world interest in Islamic finance have increased, it is understood that Islamic banking practices have not demonstrated an adequate development. Contribute to the economy in the realization Islamic banking has an important role in carrying the process of savings regained into the economy and transfer of funds quickly and effectively. Therefore, it is necessary for the development of the financial system to determine the attitudes and behavior of the stakeholders who benefiting from banking services, towards Islamic banking activities. In this study, it was aimed to determine the customer perception of existing and potential bank customers for Islamic banking activities through survey method. According to survey results, there are significant differences between the answers of the participants those who prefer to work with an Islamic bank, those who does not and those who undecided were detected. The Islamic banking activities which is evaluated as an alternative to the traditional banking system is not well known by customers and it is understood that potential bank customers' perceptions of Islamic finance is very weak

  12. THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

    Directory of Open Access Journals (Sweden)

    L. N. Sotnikova

    2015-01-01

    Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.

  13. 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

  14. Learning to save lives!

    CERN Multimedia

    2003-01-01

    They're all around you and watch over you, but you won't be aware of them unless you look closely at their office doors. There are 308 of them and they have all been given 12 hours of training with the CERN Fire Brigade. Who are they? Quite simply, those who could one day save your life at work, the CERN first-aiders. First-aiders are recruited on a volunteer basis. "Training is in groups of 10 to 12 people and a lot of emphasis is placed on the practical to ensure that they remember the life-saving techniques we show them", explains Patrick Berlinghi, a CERN first-aid instructor from TIS Division. He is looking forward to the arrival of four new instructors, which will bring the total number to twelve (eleven firemen and one member of the Medical Service). "The new instructors were trained at CERN from 16 to 24 May by Marie-Christine Boucher Da Ros (a member of the Commission Pédagogie de l'Observatoire National Français du Secourisme, the education commission of France's national first-aid body). This in...

  15. 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

  16. 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...

  17. International Comparison of Household Savings Behaviour: The German Savings Puzzle

    OpenAIRE

    Axel Börsch-Supan

    2002-01-01

    This mea discussion paper presents excerpts of the International Savings Comparison Project covering household savings behaviour in seven countries. The whole series of comparative country studies can be found in a special issue of the journal “Research in Economics†, Volume 55, Number 2, June 2001. The introduction gives an outline of the research program of the project. A project as complex as the International Savings Comparison Project has sparked discussions and controversy. Tullio J...

  18. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

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

  19. To Stay or Go? : Consumer Bank Switching Behaviour After Government Interventions

    NARCIS (Netherlands)

    Diepstraten, Maaike; van der Cruijsen, Carin

    2017-01-01

    We analyse whether and how individual savings and current accounts holders respond to government interventions at banks. We are the first to employ a difference-in-difference analysis, distinguish between a nationalisation and a capital injection, and separate between the two banking products. We

  20. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  1. 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...

  2. Saving water through global trade

    OpenAIRE

    Chapagain, Ashok; Hoekstra, Arjen Ysbert; H. H. G. Savenije

    2005-01-01

    Many nations save domestic water resources by importing water-intensive products and exporting commodities that are less water intensive. National water saving through the import of a product can imply saving water at a global level if the flow is from sites with high to sites with low water productivity. The report analyses the consequences of international virtual water flows on the global and national water budgets. The assessment shows that the total amount of water that would have been r...

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

    Science.gov (United States)

    Iyengar, Jhumkee; Belvalkar, Manisha

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

  4. European Banking Union

    OpenAIRE

    Breuss, Fritz

    2013-01-01

    The ongoing Euro crisis and the worse economic development in Europe than in the USA are grounded, not the least in the delayed implementation of reforms of the banking sector. Whereas the leaks in economic governance of EMU have been fixed the banking sector is still not stabilised, even five years after Lehman Brothers. From the grand solution of a "European Banking Union" (EBU) only the first pillar, the European Bank Supervision with the single supervisory mechanism (SSM) will come into e...

  5. Fire Sale Bank Recapitalizations

    OpenAIRE

    Bertsch, Christoph; MARIATHASAN, Mike

    2015-01-01

    We develop a general equilibrium model of banks' capital structure, featuring heterogeneous portfolio risk and an imperfectly elastic supply of bank equity stemming from financial market segmentation. In our model, equity is costly and serves as a buffer against insolvency. Banks are ex-ante identical, but may need to recapitalize by selling equity claims after their portfolio risk becomes public knowledge. When the need to issue outside equity arises simultaneously in a large number of banks...

  6. 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

  7. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

    the Banks and Other Financial. Institutions Act of (BOFIA)1 1991 as amended, the CBN anchored the banking sector reform on a 13-point agenda involving (CBN, 2005: 16). Minimum bank capital base of N25 billion that must be met on or before 31st December, 2005: ♢. Consolidation through mergers and acquisition,.

  8. Saba seljas Moskvasse / Andrus Villem

    Index Scriptorium Estoniae

    Villem, Andrus

    2005-01-01

    Ilmunud ka: Järva Teataja, Nädaline, Meie Maa, Koit, Elva Postipoiss 21. mai lk. 2,4,2,6,4, Virumaa Teataja, Lääne Elu 24. mai lk. 7,2. Autori hinnangul kiirustas Eesti Venemaaga piirilepingu alla kirjutamisega nõudmata okupatsiooni tunnustamist, väljaveetud varade tagastamist ja setude õiguste kaitsmist

  9. ROLE OF DEPOSIT POLICY FOR UKRAINIAN BANKING INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Nadezhda Bova

    2015-11-01

    Full Text Available The purpose of the paper is to define and demonstrate the role of deposit policy for banking institutions, summarize and highlight the problems and its solutions in deposit policy of Ukraine that provides economic downturn and recovery. Appropriate selection and implementation of the deposit policy objectives, its operational structure and tools determines the degree of development of financial inclusion, which generate developed financial market, ensures public confidence to the deposit services, and increases the level of savings that positively affects the banking system financial stability and economy in the country in whole. It is because of availability and security deposit services, commercial banks of Ukraine have the opportunity to increase its resource base due to savings of the population. Methodology. The paper is based on a synthesis of data to explore the bank deposit policy situation. The paper considers the scientific and theoretical approaches for the developing the deposit policy management. It contains the analysis of the dynamics and current situation and conditions of the resource potential of banking institutions in Ukraine. Results of the article shows direct dependency between savings, consumption and deposit policy, therefore every banking institution includes the mechanism of banking management of the development and implementation of deposit policy. Also, this management defines the deposit policy directions according to the conditions of bank resources mobilization and its applying in active operations. The obtained results confirm that the term “deposit policy” is too complex, but it is investigated in interaction with banking activity. It is explained how deposit policy influences banking system and has impact on economic growth in general. Practical implications. The research creates methodological approaches to the measurement of effectiveness of deposit policy. Also, it studies the existing ones. It provides

  10. An investigation on factors influencing electronic banking adoption in private banks versus public banks

    National Research Council Canada - National Science Library

    Alikhani, Ali; Hosseinzadeh Davarzani, Malihe

    2014-01-01

    ... by clients and the tendency for using such services. This paper investigates different factors influencing on acceptance of electronic banking in private banks versus public banks in a case study of two Iranian banks namely...

  11. Saving gas project

    Energy Technology Data Exchange (ETDEWEB)

    Vasques, Maria Anunciacao S. [PETROBRAS S.A., Rio de Janeiro, RJ (Brazil); Garantizado, Maria Auxiliadora G. [CONCREMAT Engenharia, Rio de Janeiro, RJ (Brazil)

    2009-12-19

    The work presented was implemented in municipalities around the construction of the pipeline project Urucu-Coari-Manaus, the Engineering / IETEG-IENOR, because of the constant release of workers, consequently the finishing stages of this work and its future completion. The Project aims to guide saving gas with the workforce, their families and communities to the enterprise of small business cooperatives and solidarity within the potential of the site. This project is developed through the workshops: entrepreneur ship, tourism, use, reuse and recycling of products, and hortifruiti culture, agroecology, agribusiness (cooperativism solidarity) and forestry. Its execution took place in two phases, the first called 'pilot' of 12/12/2007 to 27/03/2008 in sections A and B1, in the municipality of Coari stretch and B2 in Caapiranga. The second phase occurred from 30/06 to 27/09/08, in the words B1, in the municipalities of Codajas and Anori words and B2 in Iranduba, Manacapuru and Anama. The workshops were held in state and municipal schools and administered by the Institute of Social and Environmental Amazon - ISAM, which had a team of coordinators, teachers, experts and masters of the time until the nineteen twenty-two hours to implement the project. (author)

  12. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  13. REMINDER: Saved Leave Scheme (SLS)

    CERN Multimedia

    2003-01-01

    Transfer of leave to saved leave accounts Under the provisions of the voluntary saved leave scheme (SLS), a maximum total of 10 days'* annual and compensatory leave (excluding saved leave accumulated in accordance with the provisions of Administrative Circular No 22B) can be transferred to the saved leave account at the end of the leave year (30 September). We remind you that unused leave of all those taking part in the saved leave scheme at the closure of the leave year accounts is transferred automatically to the saved leave account on that date. Therefore, staff members have no administrative steps to take. In addition, the transfer, which eliminates the risk of omitting to request leave transfers and rules out calculation errors in transfer requests, will be clearly shown in the list of leave transactions that can be consulted in EDH from October 2003 onwards. Furthermore, this automatic leave transfer optimizes staff members' chances of benefiting from a saved leave bonus provided that they ar...

  14. PENGARUH INFLASI, KURS DAN TINGKAT SUKU BUNGA TERHADAP NON PERFORMING LOAN PADA PT. BANK TABUNGAN NEGARA (PERSERO Tbk CABANG PADANG

    Directory of Open Access Journals (Sweden)

    Muthia Roza Linda

    2015-11-01

    Full Text Available This study aimed to get empirical evidence of the effects of inflation, exchange rate, and interest rates on non-performing loans At the State Savings Bank (Persero Tbk Branch Padang. In this research used observation period ranging from 2008 - 2013. Data used is secondary data obtained from the financial statements of the State Savings Bank (Persero Tbk Branch Padang. For testing the hypothesis used multiple linear regression model to see the value of t-statistic. Based on the results of hypothesis testing found that inflation, and interest rates are individually significant effect on non-performing loans at the State Savings Bank (Persero Branch Padang, whereas no significant effect on the rate of non-performing loans at the State Savings Bank (Persero Branch Padang ,

  15. Social Capital and Savings Behaviour

    DEFF Research Database (Denmark)

    Newman, Carol; Tarp, Finn; Van Den Broeck, Katleen

    We explore the extent to which social capital can play a role in imparting information about the returns to saving where potential knowledge gaps and mistrust exists. Using data from Vietnam we find strong evidence to support the hypothesis that information transmitted via reputable social...... organizations increases the proportion of liquid assets held in the form of deposits that yield a return. Our results imply that targeting information on the benefits of deposit saving through formal networks or groups would be effective in increasing the number of households that save at grassroots level....

  16. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  17. Determinants of Bank Profitability

    OpenAIRE

    Mukesh Chaudhry; Arjun Chatrath; Ravindra Kamath

    1995-01-01

    This study investigates the determinants of profitability of U.S. commercial banks in the 1970s and 1980s. It is established that banks, depending on their size, may need to exercise greater control over a defined set of variables in order to maximize profits and/or minimize costs. Further, the study provides some indirect evidence of economies of scale/scope in certain aspects of the banksÕ loan and investment portfolios.

  18. Essay on Saving and Consumption

    Directory of Open Access Journals (Sweden)

    Fabris Nikola

    2015-09-01

    Full Text Available Consumption and saving decisions are at the heart of both short- and long-term macroeconomic analyses. Since the global crisis outbreak, one of the main issues for indebted countries has been whether to pursue a policy which promotes saving or to try to induce economic growth by increasing consumption. Consensus has not been reached on this issue, which is based on an old debate of whether a country should pursue a policy of Keynesianism or monetarism.

  19. Energy saving statutes and regulations

    Energy Technology Data Exchange (ETDEWEB)

    Rado, L.

    1981-11-01

    The West German Federal government and the state governments are endeavouring to introduce energy saving measures with the aid of statutes, regulations, and ordinances. In his introductory remarks, the author briefly refers to the various activities since 1974 and on the basis of a 1976 report subjects the present status of statutes and ordinances on energy saving measures to a critical analysis. Special emphasis is placed on the interest of the gas supply industry.

  20. Factors Determining Mergers of Banks in Malaysia's Banking Sector Reform

    National Research Council Canada - National Science Library

    Rubi Ahmad; Mohamed Ariff; Michael Skully

    2007-01-01

    What was termed government-guided merger was a unique banking sector reform implemented in 2002 by the central bank of Malaysia guiding a larger number of depository institutions to form 10 large banks...

  1. World Bank Group/World Bank Corporate Scorecards, April 2016

    OpenAIRE

    World Bank Group

    2016-01-01

    This pamphlet presents the World Bank Group and World Bank Corporate Scorecards updated with latest data available for Tier 3 (Performance Tier) as of December 31, 2015. Tiers 1 and 2 present data from end of fiscal year 2015. The World Bank Group Corporate Scorecard monitors the implementation of the World Bank Group Strategy. The Scorecard provides an apex view of the results and performance indicators of the three World Bank Group institutions—the World Bank (WB), ...

  2. Dynamics of banking technology adoption: an application to internet banking

    OpenAIRE

    Chang, Yoonhee Tina

    2003-01-01

    This paper is concerned with examining behaviour of firms (banks) and consumers (banks’ customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find evidence that adoption of internet banking is influenced by sex, age, marital status, degree of exposure to internet banking, and the characteristics of the banks. A duration analysi...

  3. 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.

  4. Islamic Banks Risk Management Case

    National Research Council Canada - National Science Library

    Zaid Alrukhayyes; Hugh Grove; Jeffrey Feldman

    2014-01-01

    ... program for risk management of its banks. Due to availability of public data in 2010, Ibrahim had collected data on nine out of the eleven Kuwait banks, which comprised the sample for the subsequent stress testing of Kuwait banks...

  5. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  6. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  7. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  8. Transparency of Banking Supervisors

    NARCIS (Netherlands)

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

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

  9. Competition in EU banking

    NARCIS (Netherlands)

    De Jonghe, Olivier; Diepstraten, Maaike; Schepens, Glenn; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter discusses recent EU-wide movements in bank competition and concentration. We start with a concise overview of the most frequently used competition and concentration measures. Given that different measures may capture different aspects of bank competition, we focus on the differences and

  10. Three essays on banking

    NARCIS (Netherlands)

    Vlahu, R.E.

    2011-01-01

    This dissertation consists of three essays on banking and concentrates on two topics. The first two essays deal with strategic behavior of borrowers. The third essay explores the relation between bank capital and risk-taking. The first essay, Collective Strategic Defaults: Bailouts and Repayment

  11. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

    This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a

  12. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  13. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  14. Yugoslav United Bank by the architect Hugo Erlih

    Directory of Open Access Journals (Sweden)

    Marković Ivan R.

    2006-01-01

    Full Text Available In this paper there are presented some of the basic research guidelines on architecture of banks and savings banks which operated in Belgrade in the period between the two World Wars. By critical retrospective of the building of Yugoslav United Bank in Belgrade, which was designed by Hugo Erlih, an additional step was made in exploration of capital’s architecture of banks and savings banks through historical and morphological analysis of this type of constructions, as well as it was made a monograph retrospective for this author. The expansion of banks and savings banks’ architecture in the Interwar period of the Kingdom of Yugoslavia, had made a positive influence on further shaping of urban milieu in larger cities of the Kingdom, e.g. Ljubljana, Zagreb, Sarajevo, Belgrade, Skoplje, etc. A special mark in this field was made by the architects of an older generation which was formed in the European cultural centers before the First World War, who nurtured traditional form and academic concept of building development. In the Interwar period, a new generation of architects who were primarily educated in German centers, brought to some new architectural tendencies in our national surroundings, which were in contrast to the governing traditionalism. Hugo Erlih, the Croatian architect, had created a few prominent bank and bank savings’ buildings, mainly in Zagreb, yet he fostered the ideas of an older generation of architects by predominantly following the eclectic manner. Thus, the building of Yugoslav United Bank in Belgrade represents the first creation of this architect which was made in style of modern architecture, characterized by simplicity founded on ideas of the European modern architects, which Erlih didn’t conceal. At the same time, the Yugoslav United Bank represents one of the first constructions in Belgrade which were raised in style of modern architecture that was fostered by a small number of Serbian architects at the

  15. Liquidity and Capital of Islamic Banks in Indonesia

    Directory of Open Access Journals (Sweden)

    Muhammad Nadratuzzaman Hosen

    2017-02-01

    Full Text Available This study is aimed to analyzed the factors that affect the liquidity and capital of Islamic banks in Indonesia. The method is used multiple linear regression. This result shows that the main problem of Islamic banks in Indonesia is how to increase equity in line with increasing third party fund. Another problem is that Islamic bank face difficulties to find debt for solving liquidity problem due to lack of instruments for liquidity derivative. Therefore Islamic banks rely on third party funds, which are high cost of funds due to time deposit fund, rather than using current deposit and saving deposit fund. Another result, negative coefficient of Gross Domestic Product (GDP to Quick Ratio (QR indicate that if macroeconomics of Indonesia is stable and good environment, Islamic banks will expansive the market, meanwhile Islamic banks have now low level of liquidity buffer. This means Islamic banks face high level of risk, if core depositors withdraw money rushly it became defaultDOI:  10.15408/sjie.v6i1.4405

  16. BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

    Directory of Open Access Journals (Sweden)

    Copil Crina Angela

    2014-07-01

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

  17. Mobile financial services and financial inclusion: Is it a boon for savings mobilization?

    Directory of Open Access Journals (Sweden)

    Shem Alfred Ouma

    2017-06-01

    Full Text Available The adoption of mobile telephony to provide financial services in Africa has become instrumental in integrating the hitherto unbanked segments of the population to the mainstream financial systems. This study sought to establish this linkage by examining whether the pervasive use of mobile telephony to provide financial services is a boon for savings mobilization in selected countries in sub Saharan Africa. The findings show that availability and usage of mobile phones to provide financial services promotes the likelihood of saving at the household level. Not only does access to mobile financial services boost the likelihood to save, but also has a significant impact on the amounts saved, perhaps due to the frequency and convenience with which such transactions can be undertaken using a mobile phone. Both forms of savings, that is, basic mobile phone savings stored in the phone and bank integrated mobile savings are likely to be promoted by use of mobile phones. Thus, growing and deepening the scope for mobile phone financial services is an avenue for promoting savings mobilization, especially among the poor and low income groups with constrained access to formal financial services.

  18. Water Saving Strategies & Ecological Modernisation

    DEFF Research Database (Denmark)

    Hoffmann, Birgitte; Jensen, Jesper Ole; Elle, Morten

    2005-01-01

    -tainable water management. The paper focuses on the experiences from different water saving initiatives carried out since the mid 80s relating them to some central aspects of Ecological Modernisation theories: · Demands for tools and targets · New tasks and roles for suppliers, consumers and stakeholders...... to 125 l/capita/day in 2002. A series of different strategies, targets and tools have been implemented: Emphasizing demand side instead of supply side, using and communicating indicators, formulating goals for reducing water consumption and developing learning processes in water management. A main......Drawing on case studies of water saving campaigns and new collaborations, the pa-per will serve, on the one hand, as an interpretation of the water saving strategy in Co-penhagen in the light of Ecological Modernisation, and on the other hand, as a critical discussion of Ecological Modernisation...

  19. BANKING ETHICS IN THE FOREIGN DIRECT INVESTMENTS FROM ROMANIA

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2011-09-01

    Full Text Available Capital account liberalization created premises and allow Romania for final exit from the financial crisis. Promoting direct investment in Romania can lead to sustainable economic growth, create new jobs and thus, by selling labor set up new forms of saving, which will support investments. Banking ethics elements behind the development of direct investments in Romania are legislation, regulation and behavior of participants. Amid an emerging economy rocked by the global financial crisis, capital account liberalization has allowed entry direct investment, but allowed and the capital flight. Respect for ethics in the business financial banking groups provide, at least, economic development and upgrading the infrastructure of Romania

  20. Are Women Empowered to Save?

    Directory of Open Access Journals (Sweden)

    Frances Woolley

    2013-12-01

    Full Text Available Female economic empowerment – rising earnings, increased opportunities, greater labour force participation – has given many women the means to save. The shifting of responsibility for retirement security from employers and governments onto individuals has given women a reason to save. But are women actually saving? In this paper, we explore the relationship between the gender dynamics within a family and the accumulation of wealth. We find that little evidence in support of the conventional wisdom that families with a female financial manager save more and repay their debts more often. We find some evidence that male financial management leads to greater savings, and other evidence suggesting that savings patterns have a complex relationship with intra-family gender dynamics. El empoderamiento económico de la mujer – el aumento de los ingresos, mayores oportunidades, mayor participación laboral – ha dado a muchas mujeres los medios para ahorrar. Al pasar la responsabilidad de los ingresos de la jubilación de los empleadores y el gobierno a los individuos ha dado a las mujeres un motivo para ahorrar. ¿Pero realmente ahorran las mujeres? En este artículo se analizan las relaciones entre las dinámicas de género en una familia, y la acumulación de riqueza. Se ha llegado a la conclusión de que hay poca evidencia que apoye la creencia convencional de que las familias en las que una mujer gestiona las financias ahorran más y devuelven sus créditos más frecuentemente. Se ha encontrado alguna evidencia de que la gestión financiera por varones acarrea mayores ahorros, y otras evidencias que sugieren que los patrones de ahorro tienen una relación compleja con las dinámicas de género dentro de la familia.

  1. How Useful Is The Genuine Savings Rate As A Macroeconomic Sustainability Indicator For Countries And Regions? Australia And Queensland Compared

    OpenAIRE

    Assoc Prof Richard Brown; John Asafu-Adjaye; Draca, M; A. Straton

    2003-01-01

    This paper demonstrates how macroeconomic indicators of sustainable development can be applied to the Queensland economy. We derive a Genuine Savings Rate (GSR) for Queensland for the period 1989 to 1999, which is then compared with the World Bank estimate of Australia's GSR for the same period. Specifically, we examine how well a single "headline" indicator based on the World Bank's GSR performs as a measure of overall sustainability. In doing so, we review criticisms of the GSR and compare ...

  2. Saving Face and Group Identity

    DEFF Research Database (Denmark)

    Eriksson, Tor; Mao, Lei; Villeval, Marie-Claire

    2015-01-01

    Are people willing to sacrifice resources to save one's and others' face? In a laboratory experiment, we study whether individuals forego resources to avoid the public exposure of the least performer in their group. We show that a majority of individuals are willing to pay to preserve not only...... their self- but also other group members' image. This behavior is frequent even in the absence of group identity. When group identity is more salient, individuals help regardless of whether the least performer is an in-group or an out-group. This suggests that saving others' face is a strong social norm....

  3. Save journalism - to what end?

    OpenAIRE

    Tobie Wiese

    2011-01-01

    I was given a rather sexy heading – 'Forget the rhino, save journalism' – under which to say a few words. I would agree with the assumption that both are under threat, but while most people will have a natural inclination to save an endangered animal I’m not so sure about how many will stand up for the survival of journalism. After all, why do we need journalism? And secondly, it seems to me that much of the woes that journalism is going through at present are self-inflicted.
    It is...

  4. 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 ...

  5. Energy Savings in a Market Economy

    DEFF Research Database (Denmark)

    Nørgaard, Jørgen

    1998-01-01

    The paper outlines the concept of energy savings as opposed to energy efficency. Afterwards are described briefly the up and down role of energy savings in recent Danish energy policy. It discusses the failure of leaving electricity savings and Integrated Resource Planning to the electricity...... and discussed. This finally leads to the difficulties in combining a more free market for energy in EU with a strong efforts to save energy. Ideas for electricity and heat saving policies are suggested....

  6. Sensitivity of Czech Commercial Banks to a Run on Banks

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

    Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.

  7. German Bank Lending During Financial Crises: A Bank Level Analysis

    OpenAIRE

    Heid, Frank; Nestmann, Thorsten; von Westernhagen, Natalja; Weder di Mauro, Beatrice

    2005-01-01

    This paper studies German bank lending during the Asian and Russian crises, using a bank level data set from the Deutsche Bundesbank. Our aim is to gain more insight into the pattern of German bank lending during financial crises in emerging markets. We find that German banks reacted to the Asian crisis mainly by reallocating their portfolios among emerging markets. By contrast, the banks' behaviour during the Russian crisis is characterised by a general withdrawal from emerging markets. We f...

  8. Role of Foreign Banks in Integration of Banking Industry

    OpenAIRE

    Roman Šubić

    2009-01-01

    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 ...

  9. Save the Boulders Beach Penguins

    Science.gov (United States)

    Sheerer, Katherine; Schnittka, Christine

    2012-01-01

    Maybe it's the peculiar way they walk or their cute little suits, but students of all ages are drawn to penguins. To meet younger students' curiosity, the authors adapted a middle-school level, penguin-themed curriculum unit called Save the Penguins (Schnittka, Bell, and Richards 2010) for third-grade students. The students loved learning about…

  10. Save Our Streams and Waterways.

    Science.gov (United States)

    Indiana State Dept. of Education, Indianapolis. Center for School Improvement and Performance.

    Protection of existing water supplies is critical to ensuring good health for people and animals alike. This program is aligned with the Izaak Walton League of American's Save Our Streams program which is based on the concept that students can greatly improve the quality of a nearby stream, pond, or river by regular visits and monitoring. The…

  11. Do the Rich Save More?

    Science.gov (United States)

    Dynan, Karen E.; Skinner, Jonathan; Zeldes, Stephen P.

    2004-01-01

    The question of whether higher-lifetime income households save a larger fraction of their income was the subject of much debate in the 1950s and 1960s, and while not resolved, it remains central to the evaluation of tax and macroeconomic policies. We resolve this longstanding question using new empirical methods applied to the Panel Study of…

  12. Saving Green on Energy Costs

    Science.gov (United States)

    Tacke, Diane L.

    2006-01-01

    In recent years, colleges and universities have begun efforts to reduce their energy costs, an initiative that can not only save an institution money, but also strengthen relationships across campus. Board leadership has been central to this endeavor in setting goals, prioritizing projects, and financing those projects. Using her experiences with…

  13. Mitigation Banking Factsheet

    Science.gov (United States)

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

  14. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

    In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.

  15. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  16. Protein Data Bank (PDB)

    Data.gov (United States)

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

  17. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1003 Money lent at banking offices or at other than...

  18. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives and agricultural credit banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING....5144 Banks for cooperatives and agricultural credit banks. As may be authorized by the banks for...

  19. 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.

  20. 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.

  1. Determinants of Tunisian Bank Profitability

    OpenAIRE

    Raoudha Bejaoui; Houssam Bouzgarrou

    2014-01-01

    The aim of this study is to examine the persistence of profit and the effect of bank-specific determinants of Tunisian bank profitability. To account for profit persistence, we apply a dynamic panel model, using Generalized Methods of Moments (GMM) system for 16 Tunisian commercial banks, divided into 11 deposit banks and 5 development banks during the period 1999-2010. The estimates show that the evidence for profit persistence is positive and significant for both deposit and development ban...

  2. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  3. Ziya Osman Saba’nın Şiirlerinin Kronotop Bağlamında İncelenmesi Study Of The Chronotope Context Of Ziya Osman Saba's Poems

    Directory of Open Access Journals (Sweden)

    Zeynep TEK

    2013-03-01

    Full Text Available ‘Chronotope’ is a term means unity of time-space and feeling was obtained to literature by Mikhail Bakhtin’s benefiting from Einstein’s theory of relativity. This concept which consists of ‘chronos’ (time and ‘topos’ (space words, has a functional way because of increasing thearea of the meaning of the literary texts. In this study the using ofchronotope context is preferred because of frequently usage of feelingvalues about time and space in Saba’s poems. With this article, it istried to gain a new perspective in addition to studies on Saba’s poems.Ziya Osman Saba, who lived between the years of 1910-1957, attractsattention with being sensitive and stable about home-family matters inmodern Turkish poetry. Saba has three poem books named “Sebil veGüvercinler” (1943, “Geçen Zaman” (1947, “Nefes Almak” (1957 andtwo story books named “Mesut İnsanlar Fotoğrafhanesi”(1952, “Değişenİstanbul” (1959. As a sole member of the group of ‘Yedi Meşaleci’ Sabahad works like various types of memories, stories, letters, maintainedhis ‘poet’ qualification by being busy with poetry art from the age ofseventeen. At that age he also published his first poem. So it should beknown that he thought about poetry art and chosen carefully all thewords which he used in his poems. Hence reading of Saba’s poems withchronotopeconcept, will be useful for understanding his poems. Thus, itis seen in the chronotopes used in Saba’s poems like house, room,wardrobe, drawer, garden, door and gate, time, space and feeling are allmixed and have different representation values. Zaman-uzam ve duygu birlikteliğini ifade eden ‘kronotop’, Mikhail Bakhtin tarafından Einstein’in görelilik teorisinden faydalanılarak edebiyata kazandırılan bir terimdir. ‘Chronos’ (zaman ve ‘topos’ (mekân kelimelerinden oluşan bu kavram, edebî metinlerin anlam alanını artırması nedeniyle işlevsel bir yöne sahiptir. Kronotop

  4. ANALISIS PENGARUH RELIGIUSITAS,KELOMPOK REFERENSI DAN MOTIVASITERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH (Studi Pada Nasabah Bank Syariah di Kota Banjarmasin

    Directory of Open Access Journals (Sweden)

    Wahyu Utami

    2016-04-01

    Full Text Available This  study  has  the  objective  to  determine  the  effect  of  religiosity,  reference groups  and  the  motivation  factors  to  the  decision  to  save  in  Islamic  banks. Location of the research conducted in the city, Banjarmasin. With population all of Banjarmasin’s Islamic bank individual customers, using purposive sampling methods  with  100  numbers  of  respondents  in  finishing  the  survey.  Results  of hypothesis testing with multiple linear regressionat the 95% confidence level, indicates that religiosity, reference groups, and the motivation factors, either partially or simultaneously influence the decision to saving in Islamic banks. Partially, religiosity factor is the most dominant factor in influencing people to take decisions to saving in Islamic banks. Therefore, to increasing the amount of savings customers, Islamic banks should go through a religious approach. Increased socialization of the importance of Sharia principles in everyday life, products  and  excellence  of  Islamic  banks  need  to  be  done  through  religious activities  such  as  teaching,  tadarus,  boarding  lightning,  lectures  at  Friday prayers and Taraweeh, and other religious activities.  Keyword : Religiosity, Reference Groups, Motivation, Islamic bank

  5. The effects of perceived and actual financial knowledge on regular personal savings: Case of Vietnam

    Directory of Open Access Journals (Sweden)

    Thi Anh Nhu Nguyen

    2017-06-01

    Full Text Available The paper examines the factors, which affect decision-making on regular personal saving behaviour in the context of an emerging market in Vietnam. Focusing on financial literacy, the paper uses a combined measure of actual financial knowledge and a self-assessment of overall financial knowledge. The sample of the study consists of 240 commercial banks customers selected in 12 branches of four banks in Ho Chi Minh City. The questionnaire covers: (1 actual financial knowledge; (2 self-rating of financial knowledge; (3 financial risk tolerance; and (4 demographic characteristics of the respondents. The results of a logistic regression analysis show that perceived and actual financial literacy have separate effects on regular personal saving. Particularly, actual financial knowledge has a statistically significant positive relationship with regular personal saving with odds ratio higher than 6.5 times. However, perceived financial knowledge and financial risk tolerance factor are not statistically significant with regular personal saving. Finally, this paper offers evidence that the interaction variable, which is used to combine education level with their major study, has a statistically significant relationship with regular personal saving.

  6. The Effectiveness of Bank Capital Adequacy Requirements : A Theoretical and Empirical Approach

    OpenAIRE

    Barrios, Victor; Blanco, J.M. (José Miguel)

    2001-01-01

    The aim of this paper is to analyse how banking firms set their capital ratios, that is, the rate of equity capital over assets. In order to study this isue, two theoretical models are developed. Both models deal with the existence of an optimal capital ratio; the first one for firms not affected by capital adequacy regulation, the second one for firms which are. The models have been tested by estimating a disequilibrium model using data of Spanish savings banks.

  7. Financial sustainability in savings and credit programmes.

    Science.gov (United States)

    Havers, M

    1996-05-01

    This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action

  8. PENGARUH STRATEGI COSTUMER RELATIONS PT BANK PANIN CABANG SIDOARJO TERHADAP LOYALITAS NASABAH TABUNGAN MIKRO PANIN

    OpenAIRE

    Saniy, Afina Rusyida; Rochmaniah, Ainur

    2016-01-01

    The purposes of this research to analyze and explain the influence of customer relations strategies in the PT. Panin Bank branch A. Yani Sidoarjo towards customer loyalty micro savings Panin. This research used quantitative research with survey research methods. Meanwhile, the subject of this study is micro panin savings customers as many as 100 customers were selected using purposive sampling technique. Partial test (t test) showed that strategy of customer campaign dependent as independent ...

  9. 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.

  10. Energy savings in Polish buildings

    Energy Technology Data Exchange (ETDEWEB)

    Markel, L.C.; Gula, A.; Reeves, G.

    1995-12-31

    A demonstration of low-cost insulation and weatherization techniques was a part of phase 1 of the Krakow Clean Fossil Fuels and Energy Efficient Project. The objectives were to identify a cost-effective set of measures to reduce energy used for space heating, determine how much energy could be saved, and foster widespread implementation of those measures. The demonstration project focused on 4 11-story buildings in a Krakow housing cooperative. Energy savings of over 20% were obtained. Most important, the procedures and materials implemented in the demonstration project have been adapted to Polish conditions and applied to other housing cooperatives, schools, and hospitals. Additional projects are being planned, in Krakow and other cities, under the direction of FEWE-Krakow, the Polish Energie Cities Network, and Biuro Rozwoju Krakowa.

  11. Assessing and Reducing Miscellaneous Electric Loads (MELs) in Banks

    Energy Technology Data Exchange (ETDEWEB)

    Rauch, Emily M.

    2012-09-01

    Miscellaneous electric loads (MELs) are loads outside of a building's core functions of heating, ventilating, air conditioning, lighting, and water heating. MELs are a large percentage of total building energy loads. This report reviews methods for reducing MELs in Banks. Reducing MELs in a bank setting requires both local and corporate action. Corporate action centers on activities to prioritize and allocate the right resources to correct procurement and central control issues. Local action includes branch assessment or audits to identify specific loads and needs. The worksheet at the end of this guide can help with cataloging needed information and estimating savings potential. The following steps provide a guide to MEL reductions in Bank Branches. The general process has been adapted from a process developed for office buildings the National Renewable Energy Laboratory (NREL, 2011).

  12. Natural Resources and Productivity: Can Banking Development Mitigate the Curse?

    Directory of Open Access Journals (Sweden)

    Ramez Abubakr Badeeb

    2017-04-01

    Full Text Available This paper contributes to the literature concerning the natural resource curse by exploring the role of banking development in reducing the resource curse in a natural resource-based country, Yemen. Using time series data over the period 1980–2012, we find that natural resource dependence is negatively related to productivity, and this relationship depends on the level of banking development. Increasing this level reduces the negative consequences of the natural resource curse. Therefore, policymakers should proactively encourage credit to enable the banking sector to play a more efficient intermediary role in mobilizing domestic savings and channeling them to productive investments. This will help to accumulate permanent productive wealth to enhance any diversification effort and compensate for the decline in natural resource production.

  13. 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.

  14. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

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

  15. Genuine Savings Rates in Developing Countries

    National Research Council Canada - National Science Library

    Kirk Hamilton; Michael Clemens

    1999-01-01

    .... After developing the theory of genuine savings-traditional net savings less the value of resource depletion and environmental degradation plus the value of investment in human capital-this article...

  16. Trends in Banking System Globalization

    Directory of Open Access Journals (Sweden)

    Emanuela Mihaela Savu

    2006-08-01

    Full Text Available The research comprises four chapters: internationalization and banking concentration – in the last two decades, banking systems from developed economies undergoing an unprecedented process of transformation: due to the internationalization and to the concentration of the banking activities; multinational banks – globalization led to the appearance of new centers of power, exercising a seemingly growing influence; banking partnerships/alliances – have become an alternative to the organic growth strategies, engaging in diverse organizational structures, from distribution agreements on various financial services to the formation of new entities; free banking areas – have set the pace for new trends in the global financial services industry.

  17. 77 FR 35384 - Notice to All Interested Parties of the Termination of the Receivership of 10288, Bramble Savings...

    Science.gov (United States)

    2012-06-13

    ... From the Federal Register Online via the Government Publishing Office FEDERAL DEPOSIT INSURANCE CORPORATION Notice to All Interested Parties of the Termination of the Receivership of 10288, Bramble Savings Bank, Milford, OH Notice Is Hereby Given that the Federal Deposit Insurance Corporation (``FDIC'') as...

  18. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  19. 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...

  20. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring to...

  1. Determinants of bank profitability: Evidence from the Greek banking sector

    National Research Council Canada - National Science Library

    Alexiou, Constantinos; Sofoklis, Voyazas

    2009-01-01

    This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP) hypothesis...

  2. 75 FR 9126 - Truth in Savings

    Science.gov (United States)

    2010-03-01

    ... CFR Part 230 Truth in Savings AGENCY: Board of Governors of the Federal Reserve System. ACTION... amending Regulation DD, which implements the Truth in Savings Act, and the official staff commentary to the..., which implements the Truth in Savings Act, and the official staff commentary to the regulation. The...

  3. 75 FR 31673 - Truth in Savings

    Science.gov (United States)

    2010-06-04

    ... CFR Part 230 Truth in Savings AGENCY: Board of Governors of the Federal Reserve System. ACTION: Final... implements the Truth in Savings Act, and the official staff commentary to the regulation. The final rule... adopted a final rule amending Regulation DD, which implements the Truth in Savings Act, and the official...

  4. 75 FR 47173 - Truth in Savings

    Science.gov (United States)

    2010-08-05

    ... ADMINISTRATION 12 CFR Part 707 RIN 3133-AD72 Truth in Savings AGENCY: National Credit Union Administration (NCUA... rule amending part 707, which implements the Truth in Savings Act, and the official staff... . Include ``[Your name] Comments on Interim Final Rule (Truth in Savings)'' in the e-mail subject line. Fax...

  5. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

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

  6. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  7. 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.

  8. 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.

  9. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  10. 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 ...

  11. 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 ...

  12. 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

  13. Financialization and the cultural attitude of Polish society towards the banking sector

    Directory of Open Access Journals (Sweden)

    Lech Kurkliński

    2016-10-01

    Full Text Available The article is dedicated to changes in the cultural attitude of Polish society towards the banking sector under the conditions of progressing financialization and arising consequences for the banking sector. First of all, attention is focused on the cultural characteristics of Poles, their attitude towards finance, especially in the period of transition. The main reference to cultural conditions relates to the tendency to save, incur loans, and the attitude towards banks. It is complemented, among other things, by the model of cultural dimensions by G. Hofstede and S. Schwartz, in line with which attempts are made to explain the mechanisms shaping the financial (banking system and the financialization tendency. This picture is confronted with the present shape and evolution of the Polish banking sector since 1989, including the role of foreign capital. In particular, attention is focused on the image of banks towards challenges related to the global financial crisis and the main problem of Polish banking institutions, namely household mortgage debt in foreign currencies. The author presents a thesis that significant financialization cannot be indicated in Poland and the historical and cultural aspects do not cause its expansion to the same degree as in a number of other countries. However, certain features, such as preference for loans rather than savings, are favorable for this direction.

  14. 77 FR 20123 - Fee Change for Paying Agents Redeeming Definitive Savings Bonds and Savings Notes

    Science.gov (United States)

    2012-04-03

    ... Fiscal Service Fee Change for Paying Agents Redeeming Definitive Savings Bonds and Savings Notes AGENCY..., the Department of the Treasury will no longer pay fees to paying agents for redeeming definitive savings bonds and savings notes. The purpose of this change is to reduce Treasury's program costs. DATES...

  15. 76 FR 31680 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

    Science.gov (United States)

    2011-06-01

    ... Office of Thrift Supervision General Reporting and Recordkeeping by Savings Associations and Savings and.... Title of Proposal: General Reporting and Recordkeeping by Savings Associations and Savings and Loan..., federal stock associations), 12 CFR 545.96(c) (agency business records, Federal stock associations), 12...

  16. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  17. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  18. Connecting possibilistic prudence and optimal saving

    Directory of Open Access Journals (Sweden)

    Ana María Lucia Casademunt

    2013-12-01

    Full Text Available In this paper we study the optimal saving problem in the framework of possibility theory. The notion of possibilistic precautionary saving is introduced as a measure of the way the presence of possibilistic risk (represented by a fuzzy number influences a consumer in establishing the level of optimal saving. The notion of prudence of an agent in the face of possibilistic risk is defined and the equivalence between the prudence condition and a positive possibilistic precautionary saving is proved. Some relations between possibilistic risk aversion, prudence and possibilistic precautionary saving were established.

  19. Energy Savings Measure Packages. Existing Homes

    Energy Technology Data Exchange (ETDEWEB)

    Casey, Sean [National Renewable Energy Lab. (NREL), Golden, CO (United States); Booten, Chuck [National Renewable Energy Lab. (NREL), Golden, CO (United States)

    2011-11-01

    This document presents the most cost effective Energy Savings Measure Packages (ESMP) for existing mixed-fuel and all electric homes to achieve 15% and 30% savings for each BetterBuildings grantee location across the United States. These packages are optimized for minimum cost to homeowners for source energy savings given the local climate and prevalent building characteristics (i.e. foundation types). Maximum cost savings are typically found between 30% and 50% energy savings over the reference home; this typically amounts to $300 - $700/year.

  20. Corporate governance in banks operating in Serbia with the majority foreign capital

    Directory of Open Access Journals (Sweden)

    Obradović Zoran

    2014-01-01

    Full Text Available The importance attached to successful corporate governance in banks derives primarily from the importance that the banks have in the financial and economic system of the country. Namely, banks are the only legally authorized depositing institutions and as such are the main generators of savings and financing for the needs of economy by supplying it with the working capital, in view of a relatively small share that the capital market has in the economic system. During many years of sanctions, isolation and bombardment, our companies have remained without working capital. In addition, the advent of foreign investments often does not imply that the parent companies are providing sufficient working capital, but this capital must be provided from the domestic banks. What derives from such a role of banks is their immediate responsibility for proper allocation of free funds to the economy and their best deployment.

  1. Appreciating diversity: Regulatory reform and banking practices in the developed and developing worlds

    Directory of Open Access Journals (Sweden)

    Jayati Ghosh

    2012-12-01

    Full Text Available The homogenisation of finance that has dramatically increased the proclivity to instability and crisis is directly related to the very structure of regulations that have discouraged different types of institutions from emerging and/or and surviving. In developing countries they have the further limitation of preventing the necessary variation of financial institutions that is required for financing development and enlarging the spread of and access to institutional finance. The rules that apply to commercial banks or investment banks cannot and should not be applied to development banks, savings banks or co-operative banks. Diversity in the financial system can and should be encouraged at several levels and through several means.

  2. Value of travel time savings

    DEFF Research Database (Denmark)

    Le Masurier, P.; Polak, J.; Pawlak, Janet

    2015-01-01

    A team of specialist market researchers and Value of Time experts comprising members from SYSTRA, Imperial College London and the Technical University of Denmark has conducted a formal audit and peer review of research undertaken by Arup/ITS Leeds/Accent to derive Value of Travel Time Savings...... Preference (RP) models that were used to derive final Values of Travel Time (VTT). This report contains the findings of our audit and peer review of the procedures adopted by the research team during data collection of the three surveys (SP, RP and Employers Surveys); a peer review of the reported approach...

  3. Notas y comentarios respecto a la continuidad de los Señores naturales del linaje de los Savac (Saba en los padrones y repartimientos de tierras de 1733 y 1787 en el valle del Lurín

    Directory of Open Access Journals (Sweden)

    2004-01-01

    Full Text Available NOTES ET COMMENTAIRES AU SUJET DE LA CONTINUITE DE LA PRESENCE DES SEIGNEURS NATURELS DU LIGNAGE DES SAVAC (SABA DANS LES RECENSEMENTS ET LES LISTES DES REPARTITION DE TERRES DE 1733 ET 1787 DANS LA VALLEE DE LURIN. La recherche dans le fonds de l’Archive Général de la Nation (Lima, Pérou permet de connaître les listes de recensement des habitants et de répartition des terres au cours des années 1733 et 1787 dans la vallée de Lurín. On y remarque le rôle prépondérant des caciques qui, de par leur condition de seigneurs naturels, réussirent pendant plus de deux siècles après la Conquête espagnole à continuer de représenter les populations dont ils avaient la charge. Ils réussirent aussi à s’adapter et à continuer de réclamer, par la suite, les prérogatives sur les droits de succession de leur charge qu’ils purent maintenir entre le XVI et le XIX siècles. La investigación en los fondos del Archivo General de la Nación (Lima, Perú permite conocer los Padrones de Pobladores y los Padrones de Reparto de Tierras de los años 1733 y 1787 en el valle del Lurín. En ambas clases de fuentes, juega un rol relevante la presencia de los caciques que, en su condición de señores naturales, pudieron mantenerse por más de dos siglos después de la conquista hispana para seguir representando a sus pobladores y continuar adaptándose y reclamando en los nuevos tiempos las prerrogativas de sus derechos de sucesión al cargo que pudieron mantener desde el siglo XVI hasta el siglo XIX. COMMENTS AND DISCUSSION ON THE CONTINUITY ON THE NATIVE LORDS OF THE SAVAC (SABA LINEAGE TAKEN FROM THE 1733 AND 1787 LAND DISTRIBUTION REGISTRIES IN THE LURIN VALLEY. Research in the early archives of the the Archivo General de la Nación in Lima has enabled us to become acquainted with the population census and land distribution for the years 1733 and 1787 in the Lurin valley. From both kinds of sources it can be seen that an important part was played

  4. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

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

  5. Determinants of Iranian bank profitability

    OpenAIRE

    Hassan Ghodrati; Mohammad Ghasemi

    2014-01-01

    Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total ass...

  6. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  7. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  8. Human milk banking guidelines.

    Science.gov (United States)

    Bharadva, Ketan; Tiwari, Satish; Mishra, Sudhir; Mukhopadhyay, Kanya; Yadav, Balraj; Agarwal, R K; Kumar, Vishesh

    2014-06-01

    WHO and UNICEF state that the use of human milk from other sources should be the first alternative when it is not possible for the mother to breastfeed. Human milk banks should be made available in appropriate situations. The IYCF Chapter is actively concerned about the compelling use of formula feeds in the infants because of the non availability of human breast milk banks. A National Consultative Meet for framing guidelines was summoned by the IYCF Chapter and the Ministry of Health and Family Welfare, Government of India on 30th June, 2013, with representations from various stakeholders. The guidelines were drafted after an extensive literature review and discussions. Though these guidelines are based on the experiences and guidelines from other countries, changes have been made to suit the Indian setup, culture and needs, without compromising scientific evidence. To ensure quality of donated breast milk as a safe end product. Human Milk Banking Association should be constituted, and human milk banks should be established across the country. National coordination mechanism should be developed with a secretariat and technical support to follow-up on action in States. Budgetary provisions should be made available for the activities.

  9. 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... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal...

  10. Energy saving synergies in national energy systems

    DEFF Research Database (Denmark)

    Thellufsen, Jakob Zinck; Lund, Henrik

    2015-01-01

    In the transition towards a 100% renewable energy system, energy savings are essential. The possibility of energy savings through conservation or efficiency increases can be identified in, for instance, the heating and electricity sectors, in industry, and in transport. Several studies point...... to various optimal levels of savings in the different sectors of the energy system. However, these studies do not investigate the idea of energy savings being system dependent. This paper argues that such system dependency is critical to understand, as it does not make sense to analyse an energy saving...... without taking into account the actual benefit of the saving in relation to the energy system. The study therefore identifies a need to understand how saving methods may interact with each other and the system in which they are conducted. By using energy system analysis to do hourly simulation...

  11. Federal Aviation Administration retained savings program proposal

    Energy Technology Data Exchange (ETDEWEB)

    Hostick, D.J.; Larson, L.L. [Pacific Northwest National Lab., Richland, WA (United States); Hostick, C.J. [IBP, Inc., Pasco, WA (United States)

    1998-03-01

    Federal legislation allows federal agencies to retain up to 50% of the savings associated with implementing energy efficiency and water conservation measures and practices. Given budget pressures to reduce expenditures, the use of retained savings to fund additional projects represents a source of funds outside of the traditional budget cycle. The Southwest Region Federal Aviation Administration (FAA) has tasked Pacific Northwest National Laboratory (PNNL) to develop a model retained savings program for Southwest Region FAA use and as a prototype for consideration by the FAA. PNNL recommends the following steps be taken in developing a Southwest Region FAA retained savings program: Establish a retained savings mechanism. Determine the level at which the retained savings should be consolidated into a fund. The preliminary recommendation is to establish a revolving efficiency loan fund at the regional level. Such a mechanism allows some consolidation of savings to fund larger projects, while maintaining a sense of facility ownership in that the funds will remain within the region.

  12. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less ...

  13. Bank lending in transition economies

    NARCIS (Netherlands)

    Perotti, E.C.

    1993-01-01

    Bank privatization and tighter credit enforcement are believed indispensable to facilitate the Eastern European transition process. We analyze lending by value-maximizing banks, the only source of capital in the transition, faced by non-performing loans to the state-owned sector. We show that banks

  14. Determinants of bank profitability: Evidence from the Greek banking sector

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

    Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.

  15. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

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

  16. Analysis of the Precautionary Saving Motive Based on a Subjective Measure : (SAVE 2005-2007)

    OpenAIRE

    Ziegelmeyer, Michael

    2009-01-01

    The importance of the precautionary saving motive for households’ saving behaviour is unquestioned in the literature of the last two decades. However, the magnitude of precautionary savings and its influencing factors could not be satisfactorily determined. A subjective measure of the desired amount of precautionary savings in the German SAVE study 2005-2007 allows for the evaluation of these questions on a new basis without relying on a specific definition of wealth. This study supports the ...

  17. GREEN BANKING IN INDIA: PROBLEMS AND PROSPECTS

    OpenAIRE

    Dr. Bibhu Prasad Sahoo; Amandeep Singh; Mr. Neeraj Jain

    2016-01-01

    Green banking is different from traditional banking, as green banking focus on promoting environment friendly banking. Green banking is also known as ethical banking. This paper attempts to analyze the adoption of green banking products among customers with different age groups. ANOVA and post hoc tests are applied for analyzing the objectives. This paper finding explains that there is significant difference in the usage of green banking products across various age groups individuals, as youn...

  18. IMPORTANCE OF THE EUROPEAN BANKING UNION NEW DIRECTIVES

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2014-10-01

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

  19. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    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...... 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...

  20. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

    Full Text Available The purpose of this research is to identify and examine the factors that contribute to bank switching intentions of e-banking customers and whether these intentions differ according to demographic characteristics (age, gender, education, marital status and income levels of customers. Regression results suggested that customer dissatisfaction, low service quality, high price, unfavorable bank reputation, limited product variety and involuntary switching factors were positively related to customers’ bank switching intentions in e-banking. On the other hand, promotion efforts were negatively related to customers’ switching intentions. In addition to this, bank switching intentions were revealed to be differing according to education levels. Bank switching intentions of well-educated customers were tend to be higher, while age, gender, marital status and income level didn’t make a difference on intentions. Based on the empirical results of current study, we will provide several theoretical and managerial implications in the area of service industry.

  1. Who funds their health savings account and why?

    Science.gov (United States)

    Chen, Song; Lo Sasso, Anthony T; Nandam, Aneesh

    2013-12-01

    Health savings account (HSA) enrollment has increased markedly in the last several years, but little is known about the factors affecting account funding decisions. We use a unique data set containing from a bank that exclusively services HSA funds linked to health status, benefit design, plan coverage, and enrollee characteristics from a very large national health insurance company to examine the factors associated with HSA contribution. We found that even small employer contributions had an apparently large effect on the decision to open an account: the account-opening rate was 50 % higher when employers contributed to the account. Conditional on opening an HSA, employee contributions were negatively associated with the amount of employer contribution, contributions rose with age, income, education, and health care need.

  2. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1) The...' banks. (2) In its application of these requirements to specific institutions, the Board will use the...

  3. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A bank...

  4. 76 FR 2688 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

    Science.gov (United States)

    2011-01-14

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Bank Holding Companies The companies listed in this notice... development projects; and (11) selling U.S. savings bonds and issuing and selling traveler's checks pursuant...

  5. 31 CFR 351.86 - What is the role of Federal Reserve Banks and Branches?

    Science.gov (United States)

    2010-07-01

    ... UNITED STATES SAVINGS BONDS, SERIES EE Miscellaneous Provisions § 351.86 What is the role of Federal..., servicing and redemption of Series EE bonds. (b) We have currently designated the following Federal Reserve... Rico, Virgin Islands. Federal Reserve Bank, Pittsburgh Branch, 717 Grant Street, Pittsburgh, PA 15219...

  6. BANK SAMPAH SEBAGAI ALTERNATIF STRATEGI PENGELOLAAN SAMPAH BERBASIS MASYARAKAT DI TASIKMALAYA (Bank Sampah (Waste Banks as an Alternative of Community-Based Waste Management Strategy in Tasikmalaya

    Directory of Open Access Journals (Sweden)

    Donna Asteria

    2016-02-01

    management from the source. Bank sampah (the waste bank with participation of women in community are the social capital of community-based waste management. Bank sampah integrated with 4R principles implemented in at Kampung Karangresik, Tasikmalaya, Indonesia. Activity of bank sampah is the concept of dry waste collection and sorting as well as having appropriate management of banking, not the money saved, but trash. Empowerment of citizens through counseling, education, training with the method of participation-emancipatory (interaction and communication, as well as dialogue with the citizens in the community. Besides of that, the necessary of partnerships, networking and institutional cooperation mechanism between the citizens of the waste bank managers with local stakeholders. Bank Sampah Pucuk Resik (BSPR in Kampung Karangresik provides benefits to citizens, especially the direct benefits with reduced waste generation in the community, the environment becomes more clean and beautiful, as well as the economic independence of citizens. In addition to economic benefits from saving litter, citizens earned money to pay for electricity and buy groceries, as well as the realization of environmental health with the condition of environment that is more clean, green, comfortable, and healthy. Integrated waste management can stimulate creativity and innovation so as to improve the welfare of the community.

  7. Deceased donor skin allograft banking: Response and utilization

    Directory of Open Access Journals (Sweden)

    Gore Madhuri

    2010-10-01

    Full Text Available Background: In the absence of xenograft and biosynthetic skin substitutes, deceased donor skin allografts is a feasible option for saving life of patient with extensive burn injury in our country. Aims: The first deceased donor skin allograft bank in India became functional at Lokmanya Tilak Municipal (LTM medical college and hospital on 24 th April 2000. The response of Indian society to this new concept of skin donation after death and the pattern of utilization of banked allografts from 2000 to 2010 has been presented in this study. Settings and Design: This allograft skin bank was established by the department of surgery. The departments of surgery and microbiology share the responsibility of smooth functioning of the bank. Materials and Methods: The response in terms of number of donations and the profile of donors was analyzed from records. Pattern and outcome of allograft utilization was studied from specially designed forms. Results: During these ten years, 262 deceased donor skin allograft donations were received. The response showed significant improvement after counselling was extended to the community. Majority of the donors were above 70 years of age and procurement was done at home for most. Skin allografts from 249 donors were used for 165 patients in ten years. The outcome was encouraging with seven deaths in 151 recipients with burn injuries. Conclusions: Our experience shows that the Indian society is ready to accept the concept of skin donation after death. Use of skin allografts is life saving for large burns. We need to prepare guidelines for the establishment of more skin banks in the country.

  8. The Investment Management of Bank

    Directory of Open Access Journals (Sweden)

    Mostenets Alina V.

    2017-04-01

    Full Text Available The article is aimed at studying the theoretical value of bank investment and the investment activities of bank, as well as improving the investment management of bank. The main task under this objective is to characterize the investment activities of bank and to consider in detail its credit and investment portfolio. An analysis of the credit and investment portfolio of 10 domestic banks of Ukraine was carried out. Structure of their credit and investment portfolio was studied in detail. A graphic of the credit and investment portfolio of banks, which were the most active in the investment activities as of 1 January 2015-2017, has been provided. Changes in the credit and investment portfolio that impact the performance of bank have been displayed.

  9. Genuine Savings: Leading Indicator of Sustainable Development?

    OpenAIRE

    Ferreira,S.; Vincent, Jeffrey R.

    2005-01-01

    The World Bank recently began publishing estimates of countries' “genuine savings”: a comprehensive measure of net investment across all forms of capital (natural and human as well as produced). This article presents the first empirical investigation of the consistency of the Bank's estimates with the hypothesis that net investment should equal the difference between a country's average future consumption and its current consumption. Results show that the Bank's estimates are consistent only ...

  10. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural credit...

  11. Models of Energy Saving Systems

    DEFF Research Database (Denmark)

    Nørgård, Jørgen Stig

    1999-01-01

    The paper first describes the concepts and methods around energy saving, such as energy chain, energy services, end-use technologies, secondary energy, etc. Next are discussed the problems of defining and adding energy services and hence end-use energy efficiency or intensity. A section is devoted...... to what is termed lifestyle efficiency, including the cultural values and the ability of the economy to provide the services wanted. As explained, integrated resource planning with its optimizing the whole energy chain cannot be combined with sub-optimizing part of it, for instance the supply technology...... only. The need for including also the economic policy in the energy planning is illustrated with what is termed the efficiency pittfall. This points towards difficulties in imaging an integrated resource planning combined with a liberalized market. The three variable parameters, population, energy...

  12. Assessment of Credit Risk Approaches in Relation with Competitiveness Increase of the Banking Sector

    Directory of Open Access Journals (Sweden)

    Cipovová Eva

    2012-06-01

    Full Text Available The article is focused on a presentation and analysis of selected methods of credit risk management in relation with competitiveness increase of the banking sector. The article is defined credit risk approaches under the Basel III gradually. Aim of this contribution constitutes various methods of credit risk management and effects of their usage on regulatory capital amount in respect of corporate exposures. Optimal equity amount in relation to the risk portfolio presents an essential prerequisite of performance and competitiveness growth of commercial banks. Gradually capital requirements using Standardized Approach and Internal Based Approach in a case of used and unused techniques of credit risk reduce has been quantified. We presume that sophisticated approach means significant saving for bank’s equity which increases competitiveness of banking sector also. Within the article, quantification of capital savings in case of Standardized (with and without assigned external ratings and Foundation Internal Based Approach at the selected credit portfolio has been effected.

  13. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  14. European Union Energy Saving Policy

    Directory of Open Access Journals (Sweden)

    Nikolay Y. Kaveshnikov

    2014-01-01

    Full Text Available This article analyses methods of energy efficiency stimulation in the European Union. The author investigates basic areas of the EU activity; in particular, the author estimates results of implementation of the Energy Star program, new provisions of labeling of energy-using products, measures to increase energy efficiency in buildings. The paper also analyzes the provisions of the Directive 2012/27 that is the first EU document, providing for a comprehensive approach to energy saving at all stages: production, transformation and consumption. Today EU policy includes: 7 a general political and regulatory framework laid down by the European action plan on energy efficiency and Directive 2012/27; 2 national action plans on energy efficiency, which should be in line with indicative targets set at the EU level; 3 special EU documents in key areas of energy efficiency (buildings, energy-consuming equipment etc.; 4 accompanying instruments, such as target funding, information dissemination, support of specialized networks. The paper gives a comprehensive analysis of the key methods of implementation of EU policy in the area of energy saving. The author concludes that EU operates within the framework of the open method of coordination. The system of mandatory/voluntary technical standards has allowed to achieve significant success, but indicative planning and monitoring of national actions are not completely effective. In the long term EU policy in the area of energy efficiency is restrained by member states unwillingness to delegate to the European Union a more detailed powers in this field and to give the EU bodies facilities to execute more strict control. In the short term - in conditions of economic crisis, the EU countries are not ready to invest significant budget funds in projects with long payback period.

  15. The World Bank.

    Science.gov (United States)

    Bangoura, O

    2008-09-01

    The control of human onchocerciasis (river blindness) is one of the most successful global partnerships ever supported by the World Bank. Mectizan mass treatments have greatly contributed to this success and have shaped the strategies of the programmes in which the World Bank has been involved - the Onchocerciasis Control Programme (OCP), which covered onchocerciasis control in West Africa until 2002, and the African Programme for Onchocerciasis Control (APOC), which is currently working in 30 countries, to protect millions of people from onchocerciasis. Through the strategy of community-directed treatment with ivermectin (CDTI), onchocerciasis control in Africa was transformed from a technologically-driven and vertical health initiative to a community-directed process of treatment and empowerment. Together, CDTI and the donation of Mectizan also reduced costs, producing one of the most effective and affordable disease-control schemes ever seen, and the CDTI strategy is now being applied to other disease-control initiatives. The onchocerciasis programmes have also been exemplary in shaping partnerships with communities, countries, the World Health Organization, governments, non-governmental development organizations, and the private sector. The Bank's involvement in onchocerciasis control has helped mobilize funds, giving confidence to other donors. More than U. S.$800 million was raised for both the OCP and APOC (excluding the initial costs of Mectizan). With these funds and the commitment of the partners involved, high coverages have been achieved in the Mectizan distributions. The Bank is confident that, during the years to come, the partners will continue their success, and that the APOC will achieve its goals by the target date for its closure, in 2015.

  16. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  17. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  18. Measuring Bank Profit Efficiency

    OpenAIRE

    Fitzpatrick, Trevor; McQuinn, Kieran

    2005-01-01

    This paper proposes that a variant of the Battese and Coelli (1995) inefficiency model can be applied as a consistent and unifying framework in exploring the determinants of credit institutions’ profit inefficiency scores. To date, work concerned with the potential determinants of credit institutions' profit inefficiency levels has addressed the issue in either a single-step or multi-step process. In the former, inefficiency scores are conditioned by region and bank-specific indicators, while...

  19. Filter Bank Fusion Frames

    OpenAIRE

    Chebira, Amina; Fickus, Matthew; Mixon, Dustin G.

    2010-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using ...

  20. 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...

  1. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  2. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  3. Psychological determinants of household saving behaviour

    OpenAIRE

    Nyhus, Ellen Katrine

    2002-01-01

    This dissertation reports the results of a study that examined the impact of psychological variables on household saving and borrowing behaviour. Understanding saving behaviour is important for policy makers and financial institutions, but a comprehensive explanatory model that can explain individual differences in saving does not yet exist. The aim of this research has been to contribute towards the construction of such a model. The study was designed to answer four research q...

  4. Aging, Saving, and Public Pensions in Japan

    OpenAIRE

    Horioka, Charles Yuji; Suzuki, Wataru; Hatta, Tatsuo

    2007-01-01

    We analyze the impact of population aging on Japan's household saving rate and on its public pension system and the impact of that system on Japan's household saving rate and obtain the following results: first, the age structure of Japan's population can explain the level of, and past and future trends in, its household saving rate; second, the rapid aging of Japan's population is causing Japan's household saving rate to decline and this decline can be expected to continue; third, the pay-as...

  5. Raising household saving: does financial education work?

    National Research Council Canada - National Science Library

    Gale, William G; Harris, Benjamin H; Levine, Ruth

    2012-01-01

    This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews previous research that examines how improving financial literacy affects household saving...

  6. Regulatory regimes and bank behavior

    Directory of Open Access Journals (Sweden)

    Seok Weon Lee

    2011-12-01

    Full Text Available The purpose of this paper is to examine how the risk-taking behavior differed between Korean regional banks and national banks for the two different regulatory regimes; a very loose regulation period (1994-1997 and a very tightened regulation period (1998-2005. From the panel analysis over the period 1994-2005, we found that regional banks took riskier strategies than national banks when banking regulations are loose. Moreover, their higher risk-taking contributed to higher profit under the period of loose regulation. However, after the banking regulations were tightened after financial crisis around the late 1990s, this phenomenon disappeared and the tendency of regional banks to take greater risk than national banks was not observed any more. Also, the positive relationship between risk-taking and profitability was not observed either after regulations were tightened. These empirical findings would have the following policy implications. When the economic conditions are good, and therefore, banking regulations are relatively loose, the greater risk-taking of regional banks could be profitable, because regional banks are in a better situation in terms of maintaining their market share based on the close ties with their regional clients, and can be protected from excessive competition with national banks. But, if the economic conditions get worse and financial crisis occurs, and therefore, banking regulations get tightened, regional banks are more adversely and sensitively affected by these shocks than national banks because their size is small and their assets are less diversified than national banks, especially being concentrated on loans to small and medium size business sector and real estate loans, which are very sensitive to the fluctuation of the economy. Furthermore, if these adverse economic and financial shocks continue long, the probability of regional banks to fail would be substantially higher and it can cause a serious damage to

  7. Independent and Accountable Central Banks and the European Central Bank

    Directory of Open Access Journals (Sweden)

    Pedro A. B. de Sousa

    2001-07-01

    Full Text Available This paper begins with the concept of central bank independence and focuses its argument around one of its major drawbacks the potential absence of accountability by the monetary authority. Then, beyond defining an alternative legal central bank independence index, we analyse the current Statutes of thirty-two central banks, and we quantify their legal independence and accountability degrees. With that data, we confirm previous studies, showing evidence of a de jure negative relationship between central bank independence and democratic accountability, though not as strong as it is usually argued. Still, we remain aware that some very independent central banks are also very low accountable the European Central Bank (ECB is a good example. Finally, we discuss the advantages and disadvantages of a contract à la Walsh between the ECB and a European Community organ, and we ask for a more in-depth analysis and understanding of these subjects, in order to improve the EMU institutional picture.

  8. 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.

  9. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  10. 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...

  11. Asian development bank: can it become an actual development bank?

    OpenAIRE

    Khan, Haider A.

    2012-01-01

    The Asian Development Bank(ADB) was founded in the mid-sixties. In addition to the Asian countries, it also has members from among the wealthy countries in North America, Europe and Oceania. Over the years, ADB has grown in size and prestige among the regional development banks. As Khan (2004, 2007 and 2012) argues, within a hybrid workable global financial architecture, regional development banks like the ADB can play a constructive role.

  12. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  13. Seigniorage Earnings of Commercial Banks and State Bank of Pakistan

    OpenAIRE

    Arby, Muhammad Farooq

    2006-01-01

    The paper reviews the trend of seigniorage earnings by State Bank of Pakistan and commercial banks. It is found that seigniorage revenue of the SBP has declined overtime which indicates autonomy of the central bank as well as less reliance of the government on SBP’s resources for budget financing. In general, a direct relationship has been observed between seigniorage and inflation in Pakistan. However, at the two extremes of very high or very low inflation an inverse relation is detected.

  14. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  15. Systemic Risk, Bank's Capital Buffer, and Leverage

    OpenAIRE

    Wibowo, Buddi

    2017-01-01

    This paper measures individual bank's impact on banking systemic risk and examines the effect of individual bank's capital buffer and leverage to bank's systemic risk impact in Indonesia during 2010-2014. Using Merton's distance-to-default to measure systemic risk, the study shows a significant negative relationship between bank's capital buffer and systemic risk. High capital buffer tends to lowering bank's impact on systemic risk. Bank's leverage level also influences its contribution to sy...

  16. Determinants of Bank Efficiency: Evidence from Czech Banking Sector

    OpenAIRE

    Rostislav Staněk

    2015-01-01

    The paper identifies bank-specific determinants of Czech commercial bank efficiency during the period 2000–2012. The paper employs a panel version of a stochastic efficiency frontier model with time variant efficiency to identify the impact of bank size and the structure of bank’s portfolio on the bank’s cost and profit efficiency. The results of the estimation show that bank size has no impact on cost efficiency but it negatively influences the bank’s ability to generate revenue. Cost effici...

  17. FY 1995 cost savings report

    Energy Technology Data Exchange (ETDEWEB)

    Andrews-Smith, K.L., Westinghouse Hanford

    1996-06-21

    Fiscal Year (FY) 1995 challenged us to dramatically reduce costs at Hanford. We began the year with an 8 percent reduction in our Environmental Management budget but at the same time were tasked with accomplishing additional workscope. This resulted in a Productivity Challenge whereby we took on more work at the beginning of the year than we had funding to complete. During the year, the Productivity Challenge actually grew to 23 percent because of recissions, Congressional budget reductions, and DOE Headquarters actions. We successfully met our FY 1995 Productivity Challenge through an aggressive cost reduction program that identified and eliminated unnecessary workscope and found ways to be more efficient. We reduced the size of the workforce, cut overhead expenses, eliminated paperwork, cancelled construction of new facilities, and reengineered our processes. We are proving we can get the job done better and for less money at Hanford. DOE`s drive to do it ``better, faster, cheaper`` has led us to look for more and larger partnerships with the private sector. The biggest will be privatization of Hanford`s Tank Waste Remediation System, which will turn liquid tank waste into glass logs for eventual disposal. We will also save millions of dollars and avoid the cost of replacing aging steam plants by contracting Hanford`s energy needs to a private company. Other privatization successes include the Hanford Mail Service, a spinoff of advanced technical training, low level mixed waste thermal treatment, and transfer of the Hanford Museums of Science and history to a private non-profit organization. Despite the rough roads and uncertainty we faced in FY 1995, less than 3 percent of our work fell behind schedule, while the work that was performed was completed with an 8.6 percent cost under-run. We not only met the FY 1995 productivity challenge, we also met our FY 1995-1998 savings commitments and accelerated some critical cleanup milestones. The challenges continue

  18. 76 FR 42127 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-18

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors... the Lisa K. Hale Irrevocable Trust for Joseph Joshua Hodos, all of Mission Hills, Kansas; the Karen...

  19. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in Cheyenne...

  20. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  1. Funds transfer pricing in banking

    Directory of Open Access Journals (Sweden)

    Maria CARACOTA DIMITRIU

    2010-06-01

    Full Text Available Every bank needs to better understand the sources of its profitability. Whatever the size of the bank, funds transfer pricing (FTP can be used to help managing the bank's profitability by analyzing earnings for the whole institution or for different profit centers. In today’s banking environment, it is essential to look at the earnings both as a whole and broken down into various components. Funds Transfer Pricing is an analysis tool that can be used to help a bank measure its profitability in a variety of different ways. It allows management to compare the profitability of different product lines within the company, and it can be drilled down even further to allow comparison between individual employees. It is also very useful for comparison between branches. This study will reveal the role of Fund Transfer Pricing (FTP in banks.

  2. Saving environment for human survival.

    Science.gov (United States)

    Joshi, N C

    The environmental crisis is complex, requiring many solutions. However, it is the responsibility of the State Government to protect and improve the environment. This can not be accomplished by merely writing legislation but by enforcing measures to save the natural world. The world environmental crisis has resulted in the ubiquitous poverty of developing nations (called the "pollution of poverty"). The growing control of resources has allowed a small consortium of powerful countries the ability to enjoy Earth's resources while other developing countries suffer in the abyss of the crisis. A redistribution of power and resources shared by the entire global community is needed. Although measures such as the Environmental Protection Act of 1986 have begun to set standards for a higher quality of living, not all industries have been regulated by the act, and no effective method of monitoring industrial pollution has been established in India. Factors such as depleting jungles, the squandering of natural resources such as soil, water and air and rapid urbanization have accelerated the need for stronger environmental laws and greater awareness and actions. A philosophy that emphasizes the inter-dependence of man and nature most be adopted globally if the augmenting crisis is to be abated.

  3. Saving oil in a hurry

    Energy Technology Data Exchange (ETDEWEB)

    none

    2005-07-01

    During 2004, oil prices reached levels unprecedented in recent years. Though world oil markets remain adequately supplied, high oil prices do reflect increasingly uncertain conditions. Many IEA member countries and non-member countries alike are looking for ways to improve their capability to handle market volatility and possible supply disruptions in the future. This book aims to provide assistance. It provides a new, quantitative assessment of the potential oil savings and costs of rapid oil demand restraint measures for transport. Some measures may make sense under any circumstances; others are primarily useful in emergency situations. All can be implemented on short notice ? if governments are prepared. The book examines potential approaches for rapid uptake of telecommuting, ?ecodriving?, and car-pooling, among other measures. It also provides methodologies and data that policymakers can use to decide which measures would be best adapted to their national circumstances. This ?tool box? may help countries to complement other measures for coping with supply disruptions, such as use of strategic oil stocks.

  4. Energy-saving motor; Energiesparmotor

    Energy Technology Data Exchange (ETDEWEB)

    Lindegger, M.

    2002-07-01

    This report for the Swiss Federal Office of Energy (SFOE) describes the development and testing of an advanced electrical motor using a permanent-magnet rotor. The aims of the project - to study the technical feasibility and market potential of the Eco-Motor - are discussed and the three phases of the project described. These include the calculation and realisation of a 250-watt prototype operating at 230 V, the measurement of the motor's characteristics as well as those of a comparable asynchronous motor on the test bed at the University of Applied Science in Lucerne, Switzerland, and a market study to establish if the Eco-Motor and its controller can compete against normal asynchronous motors. Also, the results of an analysis of the energy-savings potential is made, should such Eco-Motors be used. Detailed results of the three phases of the project are presented and the prospects of producing such motors in Switzerland for home use as well as for export are examined.

  5. Green Banking: Advancement and Opportunities

    OpenAIRE

    Ahmed, Sarwar Uddin

    2012-01-01

    The objective of this paper is to discuss the contemporary green banking initiatives taken globally and more specifically in Bangladesh. North America and European regional banks were found to be forerunners in adopting green banking practices. Home mortgage, home equity loan, auto loan, credit card, etc, are common products found globally. In Bangladesh, solar home system, solar irrigation pumping station, biogas plant, effluent treatment plant, green credit card, etc. are already in the off...

  6. Savings Behavior and Satisfaction with Savings: A Comparison of Low- and High-Income Groups.

    Science.gov (United States)

    Davis, Elizabeth P.; Schumm, Walter R.

    1987-01-01

    Data on 1,739 married couples from 13 states were analyzed. Associations between satisfaction with savings and level of savings with measures of motivation to save, motivations to spend, and family resources were found to differ substantially between low- and high-income couples. (Author/CH)

  7. Genuine Saving as a Sustainability Indicator

    OpenAIRE

    Hamilton, Kirk

    2000-01-01

    Growth theory provides the intellectual underpinning for expanded national accounting and, through the measure of genuine saving, an indicator of when economies are on an unsustainable development path. This theory points in useful directions for countries concerned with sustainable development. The genuine savings analysis raises an important set of policy questions that goes beyond the t...

  8. Analysis of savings mobilization determinants among rural ...

    African Journals Online (AJOL)

    Successive governments and development partners in the country have always initiated programmes that stress availability of credit to rural farmers for agricultural development, while neglecting savings mobilization. Therefore, this study examined some important determinants of savings mobilization in Ijumu Local ...

  9. Can survey participation alter household saving behaviour?

    NARCIS (Netherlands)

    Crossley, Thomas; de Bresser, Jochem; Delaney, L.; Winter, Joachim

    2017-01-01

    We document an effect of survey participation on household saving. Indentification comes from random assignment to modules within a population-representative internet panel. The saving measure is based on linked administrative wealth data. Households that responded to a detailed questionnaire on

  10. Saving Behavior and Portfolio Choice After Retirement

    NARCIS (Netherlands)

    van Ooijen, Raun; Alessie, Rob; Kalwij, Adriaan

    2015-01-01

    This paper reviews the literature on saving behavior and portfolio choice after retirement and provides a descriptive analysis of this behavior by Dutch elderly households. Studying saving behavior in the Netherlands is informative because of the very different institutional background compared to

  11. Building Savings and Investments Culture among Nigerians

    African Journals Online (AJOL)

    DR Nneka

    food, the more developed the society becomes because the money not spent on consumption is saved to provide the resources that are needed to fund investment. (Olusoji, 2003). Smiths (1776) recognized the importance of savings when he observed that capital is increased by parismony and diminished by prodigality ...

  12. 76 FR 3487 - Truth in Savings

    Science.gov (United States)

    2011-01-20

    ... ADMINISTRATION 12 CFR Part 707 RIN 3133-AD72 Truth in Savings AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: On July 22, 2009, NCUA published a final rule amending NCUA's Truth in... through automated systems. This final rule amends NCUA's Truth in Savings rule and official staff...

  13. [A delicate and life saving appendectomy].

    Science.gov (United States)

    Gaudiot, Claude

    2014-01-01

    An appendectomy which was practiced in the camp of Dachau to save the life of one of the torturers looks like a dangerous wager and the writer shows how a good surgeon could win the bet through his skillfulness and save life of his comrades and his own.

  14. Must losing taxes on saving be harmful?

    DEFF Research Database (Denmark)

    Huizinga, Harry; Nielsen, Søren Bo

    2004-01-01

    Internationalization offers enhanced opportunities for individuals to place savingsabroad and evade domestic saving taxation. This paper asks whether the concomi-tant loss of saving taxation necessarily is harmful. To this end we construct a modelof many symmetric countries in which public goods ...

  15. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

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

  16. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with the...

  17. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

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

  18. The banking crisis 1929 -1933

    OpenAIRE

    Strnadová, Petra

    2016-01-01

    The issue of banking crises is of a significant importance due to their impact on the economic situation and having revealed the main causes of a bank distress, it should be possible to avoid some of them in the future by taking appropriate measures. The banking crisis during the Great Depression belongs to the biggest crises in the history and provides a great opportunity to properly examine the behaviour of U.S. banks. Therefore, the aim of my thesis is to identify the key moments of the ba...

  19. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

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

  20. The reaction of bank lending to monetary policy in Brazil

    Directory of Open Access Journals (Sweden)

    Tony Takeda

    2005-03-01

    Full Text Available This paper evaluates the relevance of the "bank lending channel'' of monetary policy transmission in Brazil. Disaggregated monthly data of the Brazilian banks balance sheets from December 1994 to December 2001 are analyzed. In addition to the short-term interest rate, we consider the effects of another monetary policy instrument frequently used in Brazil, represented by reserve requirements on overall banks deposits - demand, savings, and time deposits. Dynamic panel data techniques are employed. Our results suggest that the impact of reserve requirements is relevant and stronger for larger banks loans. This finding results from the progressive reserve rates required from banks, which affect to a greater extent banks with larger deposit volumes.Este artigo avalia o canal de empréstimos bancários na transmissão da política monetária. A análise foca os dados mensais desagregados do balanço patrimonial dos bancos comerciais brasileiros de dezembro de 1994 a dezembro de 2001. Em adição à taxa básica de juros de curto prazo, este estudo considera também os efeitos de um outro instrumento de política monetária usado freqüentemente no Brasil, representado pelos recolhimentos compulsórios sobre os depósitos à vista, de poupança e a prazo. A partir de técnicas de análise de dados em painel dinâmico, os resultados dos testes sugerem que o impacto dos compulsórios é relevante e é mais forte sobre os empréstimos dos grandes bancos, conclusão que decorre de recolhimentos compulsórios de caráter progressivo, que afetam mais fortemente os bancos com maiores volumes de depósitos.

  1. Incentive pay and bank risk-taking: Evidence from Austrian, German, and Swiss banks

    National Research Council Canada - National Science Library

    Efing, Matthias; Hau, Harald; Kampkötter, Patrick; Steinbrecher, Johannes

    2015-01-01

      We use payroll data in the Austrian, German, and Swiss banking sector to identify incentive pay in the critical banking segments of treasury/capital market management and investment banking for 67 banks...

  2. Values and Technologies in Energy Savings

    DEFF Research Database (Denmark)

    Nørgård, Jørgen Stig

    2000-01-01

    The chapter is based on the assumption, that technology improvement is not sufficient to achieve a sustainable world community. Changes in people´s values are necessary. A simple model suggest how values, together with basic needs and with the environmental and societal frames, determine people......´s behavioural pattern and lifestyles. Deliberate changes in social values are illustrated by a historical example. From the side of technology the basic principles in the economy of energy savings are briefly described. The marginally profitable energy savings provides an economic saving. The application...... of this saving can cause what is called the rebound effect, which reduces the savings obtained from the technology. Ways to avoid this effect are suggested, and they require value changes, primarly around frugality, consumption, and hard-working. There are indications that some of the necessary changes are well...

  3. Saving electricity in a hurry - update 2011

    Energy Technology Data Exchange (ETDEWEB)

    Pasquier, Sara Bryan

    2011-06-15

    As demonstrated by the March 2011 earthquake and tsunami-triggered blackouts in Japan, electricity shortfalls can happen anytime and anywhere. Countries can minimise the negative economic, social and environmental impacts of such electricity shortfalls by developing emergency energy-saving strategies before a crisis occurs. This new IEA report highlights preliminary findings and conclusions from electricity shortfalls in Japan, the United States, New Zealand, South Africa and Chile. It draws on recent analysis to: reinforce well-established guidelines on diagnosing electricity shortfalls, identifying energy-saving opportunities and selecting a package of energy-saving measures; and highlight proven practice for implementing emergency energy-saving programmes. This paper will be valuable to government, academic, private-sector and civil-society stakeholders who inform, develop and implement electricity policy in general, and emergency energy-saving programmes in particular.

  4. Housing-related lifestyle and energy saving

    DEFF Research Database (Denmark)

    Thøgersen, John

    2017-01-01

    A new instrument for measuring housing-related lifestyle (HRL) is introduced and employed for identifying national and cross-national HRL segments in 10 European countries (N = 3190). The identified HRL segments are profiled and the practical importance of HRL for everyday energy-saving efforts...... in the home and for the energy-consumer’s openness to new energy saving opportunities (i.e., energy saving innovativeness) is investigated. The HRL instrument’s 71 items load on 16 dimensions within five lifestyle elements. Multi-group confirmatory factor analysis reveals that the instrument possesses metric...... of relevant background characteristics. A multivariate GLM analysis reveals that when differences in housing-related lifestyles are controlled, neither country of residence nor the interaction between lifestyle and country of residence influence energy saving innovativeness or everyday energy-saving efforts...

  5. Risk transfer via energy savings insurance

    Energy Technology Data Exchange (ETDEWEB)

    Mills, Evan

    2001-10-01

    Among the key barriers to investment in energy efficiency improvements are uncertainties about attaining projected energy savings and apprehension about potential disputes over these savings. The fields of energy management and risk management are thus intertwined. While many technical methods have emerged to manage performance risks (e.g. building commissioning), financial risk transfer techniques are less developed in the energy management arena than in other more mature segments of the economy. Energy Savings Insurance (ESI) - formal insurance of predicted energy savings - is one method of transferring financial risks away from the facility owner or energy services contractor. ESI offers a number of significant advantages over other forms of financial risk transfer, e.g. savings guarantees or performance bonds. ESI providers manage risk via pre-construction design review as well as post-construction commissioning and measurement and verification of savings. We found that the two mos t common criticisms of ESI - excessive pricing and onerous exclusions - are not born out in practice. In fact, if properly applied, ESI can potentially reduce the net cost of energy savings projects by reducing the interest rates charged by lenders, and by increasing the level of savings through quality control. Debt service can also be ensured by matching loan payments to projected energy savings while designing the insurance mechanism so that payments are made by the insurer in the event of a savings shortfall. We estimate the U.S. ESI market potential of $875 million/year in premium income. From an energy-policy perspective, ESI offers a number of potential benefits: ESI transfers performance risk from the balance sheet of the entity implementing the energy savings project, thereby freeing up capital otherwise needed to ''self-insure'' the savings. ESI reduces barriers to market entry of smaller energy services firms who do not have sufficiently strong balance

  6. Chapter 17: Estimating Net Savings: Common Practices

    Energy Technology Data Exchange (ETDEWEB)

    Violette, D. M.; Rathbun, P.

    2014-09-01

    This chapter focuses on the methods used to estimate net energy savings in evaluation, measurement, and verification (EM&V) studies for energy efficiency (EE) programs. The chapter provides a definition of net savings, which remains an unsettled topic both within the EE evaluation community and across the broader public policy evaluation community, particularly in the context of attribution of savings to particular program. The chapter differs from the measure-specific Uniform Methods Project (UMP) chapters in both its approach and work product. Unlike other UMP resources that provide recommended protocols for determining gross energy savings, this chapter describes and compares the current industry practices for determining net energy savings, but does not prescribe particular methods.

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

    NARCIS (Netherlands)

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

    2016-01-01

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

  8. Recent trends in cross-border banking

    NARCIS (Netherlands)

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

    2017-01-01

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

  9. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  10. The Interrelationship Between Bank Failure and Political ...

    African Journals Online (AJOL)

    ... the bank failures include reckless lending, corruption, non-use of prudent classification risk assessment methods, fraud and management deficiencies. External factors such as deregulation; lack of information among bank customers; homogeneity of the banking business, connections among banks do cause bank failure.

  11. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... compensation in recognition of the role played by its personnel, premises, and good will in credit life... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks and... compensation. (a) Nothing contained in this part prohibits a bank employee, officer, director, or principal...

  12. 31 CFR 515.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 515.320 Section 515... § 515.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States... Secretary of the Treasury may also authorize any other banking institution to be treated as a “domestic bank...

  13. 31 CFR 500.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 500.320 Section 500... § 500.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States... Secretary of the Treasury may also authorize any other banking institution to be treated as a “domestic bank...

  14. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

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

  15. Workforce Optimization for Bank Operation Centers: A Machine Learning Approach

    Directory of Open Access Journals (Sweden)

    Sefik Ilkin Serengil

    2017-12-01

    Full Text Available Online Banking Systems evolved and improved in recent years with the use of mobile and online technologies, performing money transfer transactions on these channels can be done without delay and human interaction, however commercial customers still tend to transfer money on bank branches due to several concerns. Bank Operation Centers serve to reduce the operational workload of branches. Centralized management also offers personalized service by appointed expert employees in these centers. Inherently, workload volume of money transfer transactions changes dramatically in hours. Therefore, work-force should be planned instantly or early to save labor force and increase operational efficiency. This paper introduces a hybrid multi stage approach for workforce planning in bank operation centers by the application of supervised and unsu-pervised learning algorithms. Expected workload would be predicted as supervised learning whereas employees are clus-tered into different skill groups as unsupervised learning to match transactions and proper employees. Finally, workforce optimization is analyzed for proposed approach on production data.

  16. How much is Banking Secrecy worth? The case of Swiss Banks

    OpenAIRE

    Ziegler, Alexandre

    2011-01-01

    We use an early episode of negotiations between Switzerland and the European Union to investigate the value of banking secrecy for four Swiss banks: two universal banks and two private banks. We nd that the value of banking secrecy to private banks is large, accounting for at least 8 to 14% of their market value. Perhaps surprisingly, banking secrecy appears to account for only a very small fraction of the market value of the universal banks.

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

    African Journals Online (AJOL)

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

  18. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

  19. Australian Item Bank Program: Social Science Item Bank.

    Science.gov (United States)

    Australian Council for Educational Research, Hawthorn.

    After vigorous review, editing, and trial testing, this item bank was compiled to help secondary school teachers construct objective tests in the social sciences. Anthropology, economics, ethnic and cultural studies, geography, history, legal studies, politics, and sociology are among the topics represented. The bank consists of multiple choice…

  20. Banking sector deregulation, bank-firm relationships and corporate leverage

    NARCIS (Netherlands)

    Braggion, Fabio; Ongena, S.R.G.

    2017-01-01

    We study the effects of the 1971 deregulation of UK banking on firms’ financial and investment policies. The deregulation was a turning point in the evolution of firm–bank relationships during the twentieth century. Indeed, for more than 80 years prior to deregulation most firms had had a

  1. THE GLOBALIZATION OF THE BANKING AND FINANCIAL CRISIS ON INTERNATIONAL LEVEL

    Directory of Open Access Journals (Sweden)

    MIRELA CATALINA TURKES (VINT

    2010-01-01

    Full Text Available The very high exposure of the American banks during the past years, by investments on the real estate market and on those markets related to it, has generated the current financial crisis. Many investment banks and insurance companies have become casualties of the financial crisis, being purchased by other banks or taken over by the government in order to prevent bankruptcy. This paper presents the effects generated by the extension of the USA financial crisis into other states economies. The research consisted in presenting the assembly of the actions taken by the world states governments for saving or restructuring the financial systems. Based on country risk assessment, the paper also presents the situation of the best banks from the economies of the world countries, recently affected by this strong financial crisis.

  2. Credit risk assessment model for Jordanian commercial banks: Neural scoring approach

    Directory of Open Access Journals (Sweden)

    Hussain Ali Bekhet

    2014-01-01

    Full Text Available Despite the increase in the number of non-performing loans and competition in the banking market, most of the Jordanian commercial banks are reluctant to use data mining tools to support credit decisions. Artificial neural networks represent a new family of statistical techniques and promising data mining tools that have been used successfully in classification problems in many domains. This paper proposes two credit scoring models using data mining techniques to support loan decisions for the Jordanian commercial banks. Loan application evaluation would improve credit decision effectiveness and control loan office tasks, as well as save analysis time and cost. Both accepted and rejected loan applications, from different Jordanian commercial banks, were used to build the credit scoring models. The results indicate that the logistic regression model performed slightly better than the radial basis function model in terms of the overall accuracy rate. However, the radial basis function was superior in identifying those customers who may default.

  3. The Existence of Islamic Banking in Indonesia from Non-Muslims Perceptions

    Directory of Open Access Journals (Sweden)

    Budi Setiawan

    2015-12-01

    Full Text Available This study has three main objectives, which are to identify the common knowledge of the non- Muslims on the Islamic banking products and services; to identify the non-Muslims perception; and to analyze the influence of respondents’ demography to the perception on revenue sharing system of Islamic banking. E-survey method was used with a quantitative approach involving 244 respondents, who partook to fill the online questionnaire. Descriptive statistics and binary logistic regression tests were used as data analysis techniques. The majority of the respondents have a better knowledge on savings, rather than other products. The existence of Islamic banking has been able to attract the public attentions, and not contrary to their religious beliefs. Respondent’s demography (ie: gender, age, level of formal education significantly influences respondent’s perception on revenue sharing system of Islamic banking in Indonesia.

  4. Impact of promotion children’s savings

    Directory of Open Access Journals (Sweden)

    Damir Ribić

    2008-07-01

    Full Text Available Promotion activities directed at specific target groups can vary according to their type and intensity. In modern banking, where competition is very strong, it is the task of marketing experts to decide which activities to push in a specific situation depending on bank interests and financial resources available. Bank marketing in current circumstances is gaining another dimension, not only because the clients who use banking services are becoming more educated and sophisticated but also due to new legislation, intended to protect their best interests. High competition creates strong pressures on the market so banks and marketing experts must be able to produce untraditional and innovative solutions in response to a greater challenge. Through banking history, insufficient attention was paid to children entirely for the reasons of very low profitability in this segment. This area was poorly explored so there are very few researches of the activities aimed at promoting the banking products created especially for children. This paper includes a review of the researches available to the author that focus on the marketing activities directed at children through the historical development of the banking sector. By using case study methods, it describes the way in which two promotional campaigns were planned, and analyzes the course of their performance. The chosen campaigns show similarities in some elements but also certain differences that indicate the complexity of the problem of their approach, along with the need to apply greater creativity. The key elements for the (lack of success in the campaigns with children as the target groups are identified as well as what needs to be done in order to maintain the banking market share and reinforce the bank’s image.

  5. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118

  6. 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.

  7. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Establishing leave banks and leave bank... REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1003 Establishing leave banks and leave bank boards. (a) Each agency that participates in the voluntary leave bank program shall, in accordance with...

  8. Saving Can Save from Death Anxiety: Mortality Salience and Financial Decision-Making

    Science.gov (United States)

    Zaleskiewicz, Tomasz; Gasiorowska, Agata; Kesebir, Pelin

    2013-01-01

    Four studies tested the idea that saving money can buffer death anxiety and constitute a more effective buffer than spending money. Saving can relieve future-related anxiety and provide people with a sense of control over their fate, thereby rendering death thoughts less threatening. Study 1 found that participants primed with both saving and spending reported lower death fear than controls. Saving primes, however, were associated with significantly lower death fear than spending primes. Study 2 demonstrated that mortality primes increase the attractiveness of more frugal behaviors in save-or-spend dilemmas. Studies 3 and 4 found, in two different cultures (Polish and American), that the activation of death thoughts prompts people to allocate money to saving as opposed to spending. Overall, these studies provided evidence that saving protects from existential anxiety, and probably more so than spending. PMID:24244497

  9. Saving can save from death anxiety: mortality salience and financial decision-making.

    Directory of Open Access Journals (Sweden)

    Tomasz Zaleskiewicz

    Full Text Available Four studies tested the idea that saving money can buffer death anxiety and constitute a more effective buffer than spending money. Saving can relieve future-related anxiety and provide people with a sense of control over their fate, thereby rendering death thoughts less threatening. Study 1 found that participants primed with both saving and spending reported lower death fear than controls. Saving primes, however, were associated with significantly lower death fear than spending primes. Study 2 demonstrated that mortality primes increase the attractiveness of more frugal behaviors in save-or-spend dilemmas. Studies 3 and 4 found, in two different cultures (Polish and American, that the activation of death thoughts prompts people to allocate money to saving as opposed to spending. Overall, these studies provided evidence that saving protects from existential anxiety, and probably more so than spending.

  10. Saving can save from death anxiety: mortality salience and financial decision-making.

    Science.gov (United States)

    Zaleskiewicz, Tomasz; Gasiorowska, Agata; Kesebir, Pelin

    2013-01-01

    Four studies tested the idea that saving money can buffer death anxiety and constitute a more effective buffer than spending money. Saving can relieve future-related anxiety and provide people with a sense of control over their fate, thereby rendering death thoughts less threatening. Study 1 found that participants primed with both saving and spending reported lower death fear than controls. Saving primes, however, were associated with significantly lower death fear than spending primes. Study 2 demonstrated that mortality primes increase the attractiveness of more frugal behaviors in save-or-spend dilemmas. Studies 3 and 4 found, in two different cultures (Polish and American), that the activation of death thoughts prompts people to allocate money to saving as opposed to spending. Overall, these studies provided evidence that saving protects from existential anxiety, and probably more so than spending.

  11. Electric energy savings from new technologies

    Energy Technology Data Exchange (ETDEWEB)

    Moe, R.J.; Harrer, B.J.; Kellogg, M.A.; Lyke, A.J.; Imhoff, K.L.; Fisher, Z.J.

    1986-01-01

    Purpose of the report is to provide information about the electricity-saving potential of new technologies to OCEP that it can use in developing alternative long-term projections of US electricity consumption. Low-, base-, and high-case scenarios of the electricity savings for ten technologies were prepared. The total projected annual savings for the year 2000 for all ten technologies were 137 billion kilowatt hours (BkWh), 279 BkWh, and 470 BkWh, respectively, for the three cases. The magnitude of these savings projections can be gauged by comparing them to the Department's reference case projection for the 1985 National Energy Policy Plan. In the Department's reference case, total consumption in 2000 is projected to be 3319 BkWh. Thus, the savings projected here represent between 4% and 14% of total consumption projected for 2000. Because approximately 75% of the base-case estimate of savings are already incorporated into the reference forecast, reducing projected electricity consumption from what it otherwise would have been, the savings estimated here should not be directly subtracted from the reference forecast.

  12. Size, productivity, and international banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  13. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

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

  14. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  15. Liquidity coinsurance and bank capital

    NARCIS (Netherlands)

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

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

  16. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

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

  17. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

    Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.

  18. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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

  19. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...

  20. BioMagResBank.

    NARCIS (Netherlands)

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

    2008-01-01

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

  1. Croatian bank investments in securities

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-12-01

    Full Text Available In this paper the author presents the basic characteristics of debt securities and shares and analyses the amount, structure and characteristics of the securities portfolio in Croatian banks in period from 1993 to 2004. The analysis shows that in the entire analyzed period Republic of Croatia together with state funds and other public institutions was the main issuer of securities that banks have in their portfolios. The securities issued by banks and companies represent only a marginal part of banks’ portfolios but it is also true that banks have strongly supported the privatization process of state owned companies by providing credit for purchasing of shares and later on swapping their credit claims for shares. In this way banks acquired a significant portfolio of shares that they later sold on the open market. Data about the significant reduction of securities portfolio in the banking assets structure, from 46.1% in 1993 to only 10.6% in 2004, is indicative of a low level of trading in securities. This means that in the following years, central and local government should secure the necessary funds more by issuing securities than by credit, especially not by taking credit from abroad. Furthermore, in order to spread business with securities, banks should also substitute a portion of their credit portfolio with short and long term securities. In this way, the investors would be able to use the benefits of investing in securities instead of investing their funds in bank deposits as they have done until now.

  2. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... in the presence of temporarypayment difficulties of borrowers. Banks offering lenient (less strict) loan termsmust have higher initial levels of capital and charge higher loan rates. Whencapital requirements are increased, both strict and lenient banks hold higher levelsof initial capital and they raise loan...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...

  3. Potentials for Heat Savings in Greater Copenhagen

    DEFF Research Database (Denmark)

    Nørgaard, Jørgen; Karlsson, Kenneth

    1998-01-01

    This report describes methodologies for analysing heat saving potentials. The background for the lack of activities in that field is suggested. Various elements of heat savings are described, including changes in daily behaviour and life styles. Definition of various levels of potentials...... are suggested. Two scenarios for future heat savings are established, deviating in the rates of renovation, demolition, and construction of buildings, as well as in the thermal insulation standards, ventilation systems ,and in the daily behaviour. The results are that compared to the base year 1995, heat...

  4. Household water saving: Evidence from Spain

    Science.gov (United States)

    Aisa, Rosa; Larramona, Gemma

    2012-12-01

    This article focuses on household water use in Spain by analyzing the influence of a detailed set of factors. We find that, although the presence of both water-saving equipment and water-conservation habits leads to water savings, the factors that influence each are not the same. In particular, our results show that those individuals most committed to the adoption of water-saving equipment and, at the same time, less committed to water-conservation habits tend to have higher incomes.

  5. User behaviour impact on energy savings potential

    DEFF Research Database (Denmark)

    Rose, Jørgen

    2014-01-01

    When buildings are to undergo energy upgrading in Denmark, the national compliance checker, Be10, is often used to calculate expected energy savings for different energy-saving measures. The Be10 calculation is, however, very dependent on a variety of standard assumptions concerning the building ......, 3) Domestic hot water consumption and 4) Air change rate. Based on the analysis, a methodology is established that can be used to make more realistic and accurate predictions of expected energy savings associated with energy upgrading taking into account user behaviour....

  6. THE ROLE OF SAVINGS RATE IN DEEPENING MACROECONOMIC IMBALANCES IN CHINA

    Directory of Open Access Journals (Sweden)

    Sarlea Mihaela

    2013-07-01

    Full Text Available It is well known that China is a growing power and its impressive economic indicators have been the subject of numerous studies along the years. China’s impressive economics growth in the years 2000 based on one hand by an expansionary monetary policy, on other hand by promoting export growth had also brought into discussion another factor: that of the high savings rate. This article brings into light China’s high savings rate -household, corporate and governmental- each with its role played in the entire equation of China’s growth. There have been a lot of studies concentrating on this relationship between savings rate and economic growth. It appears that, in the case of China there is a positive relationship between high savings and high economic growth at least on the short run. This is due to the national savings rate which contributed to current account surplus that facilitated outflow and inflow of capital. Domestic investments and foreign growth had contributed to rapid economic growth despite the low level of consumption. If we add here the low demand for imported goods and the growth of households saving rate in the last year we have an image of deep macroeconomic imbalances. Furthermore, if we add to this analysis the idea of an external saving rate that proved to grow quicker than the world capacity to absorb this flows we have a vivid image of an empire as „rich country, poor population”. This high savings rate in the long run will deepen macroeconomic imbalances. As a spiral this would have to accelerate reforms in the field of pensions, healthcare, social security. On top they would have to encourage the development of the banking system in order to create an image of a powerful country also in the long run. With these internal reforms the savings rate for households will encourage consumption and a normal level of savings, for corporations it will boost investments and for government it will lead to a balance account

  7. Banking and Economic Development in Morocco

    OpenAIRE

    Tatom, John

    2005-01-01

    In Morocco, as elsewhere, banking is the principal financial sector it has the potential to contribute the most or to most severely retard economic development. But the banking industry’s potential performance is constrained by the monetary policies of the central bank. This paper reviews some major factors favoring a strong banking industry that boosts development, as well as the major obstacles that have or continue to face the industry and the economy. The Moroccan central bank, Bank al’...

  8. The Growth of Islamic Banking in Indonesia

    OpenAIRE

    Fika Fitriasari

    2012-01-01

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

  9. Bailouts, Contagion, and Bank Risk-Taking

    OpenAIRE

    LEV RATNOVSKI; Giovanni Dell'Ariccia

    2012-01-01

    We revisit the link between bailouts and bank risk taking. The expectation of government support to failing banks (bailout) creates moral hazard and encourages risk-taking. However, when a bank's success depends on both its idiosyncratic risk and the overall stability of the banking system, a government's commitment to shield banks from contagion may increase their incentives to invest prudently. We explore these issues in a simple model of financial intermediation where a bank's survival dep...

  10. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

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

  11. Importance of Non-banking Financial Institutions and of the Capital Markets in the Economy. The Case of Romania

    Directory of Open Access Journals (Sweden)

    Marilen Pirtea

    2008-05-01

    Full Text Available Deep and broad financial markets facilitate savings mobilization, by offering both individuals and insitutional savers and investors additional instruments and channels for placement of their funds at more attractive returns than are available on bank deposits. Bank and non-bank financial intermediation are both key elements of a sound and stable financial system. Both sectors need to be developed as they offer important synergies, meant to foster economical growth. While banks dominate the financial systems in most countries, business, households, and the public sector rely on the availability of a wide range of financial products to meet their financial needs. Such products are not provided only by banks, but also by insurance, leasing, factoring, and venture capital companies as well as mutual funds or pension funds.

  12. 1541-IJBCS-Article-Sabas Barima

    African Journals Online (AJOL)

    KODJIO NORBERT

    This study aimed at determining forest degradation impact on tree diversity in a forest-savannah transition zone in Ivory Coast. Structures of forest patches were given from the comparison of their number, area and index of fragmentation on basis of two land cover maps. Two forest types were identified according to.

  13. Design and construction of a spoil-bank at Tachibana bay power plant. High banking disposal of dredged ocean bottom soil on land; Tachibanawan hatsudensho tsuchisuteba koji no sekkei to seko. Kaitei shunsetsudo no takamorido rikujo shobun

    Energy Technology Data Exchange (ETDEWEB)

    Suesawa, H.; Okada, H.; Matsuda, Y. [Shikoku Electric Power Co., Inc., Kagawa (Japan)

    1996-07-05

    This paper describes design and construction of a spoil-bank at Tachibana Bay Power Plant under construction. Disposing in a limited period of time of a great amount of dredged soil produced in association with sea bank construction is a most important requirement in keeping the whole construction process on schedule. Since disposing of the soil into ocean or land reclamation areas is impossible for the reason of environmental preservation, disposal on land into a spoil-bank was adopted. Dredged soil of 1.2 million m{sup 3} and soil from excavation at plant site of 1 million m{sup 3} make the banking as high as about 50 m. The construction methods were selected upon considering assurance of stability in the high banking, disposal capability in assuring the construction process schedule, and impact to surrounding environments. Dredged soil being soft and viscous is solidified by mixing it with cement, and disposed on land upon ensuring strength as a banking material. A core type zoning plan to implement the high banking in a rational manner was adopted, in which soil excavated from the plant site is placed in lower central part of the banking to assure the soil stability. This construction method can save addition amount of cement, and an economic merit of several hundred million yen may be anticipated as compared with a plan to place soil excavated from a plant site as a weight on inclined surface of the banking. 18 figs., 1 tab.

  14. Leading internal and external sources of credit risk in the top South African banks

    Directory of Open Access Journals (Sweden)

    Tankiso Moloi

    2014-09-01

    Full Text Available This paper aimed at identifying the leading credit risk indicators in the South African banking context as well as the development of an integrated leading credit risk indicator model. A content analysis was used as a data extraction methodology and structural equation modelling was used as a data analysis methodology. The results obtained indicated that utilising the structural equation modelling, gross savings, and prime overdraft rates, number of judgements, business insolvencies and unemployment rates were formulated as leading economic and market (external indicators of credit risk in the South African banking context. Similarly, utilising the principal component analysis, bank asset quality, bank asset concentration as well as bank trading and hedging activities were formulated as leading bank specific (internal indicators of credit risk in the South African banking context. The Integrated Leading Credit Risk Indicator Model (ICRIM was formulated utilising the accepted leading credit risk indicators. The ICRIM parameters were benchmarked against the generally accepted fit indices such as the RMSEA, comparative fit (baseline comparison as well as the Hoelter and its results output were found to be consistent with these generally accepted fit indices

  15. An investigation on factors influencing electronic banking adoption in private banks versus public banks

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

    Full Text Available The movement of industrial societies towards implementation of information technology has begun and it has gained moment since early 90th and presently the speed of this movement is well obvious in less developed countries, including Iran. Internet Banking is one of the most tangible trends in today’s electronic commerce. It has direct relationship with the perception of the service qualities not only because of unique absorption of the internet, but also because of e-commerce, acceptance of internet services of banks by clients and the tendency for using such services. This paper investigates different factors influencing on acceptance of electronic banking in private banks versus public banks in a case study of two Iranian banks namely; Eqtesade Novin and Sepah using Technology Acceptance Model (TAM. Correlation test reveals that there was a positive and significant relationship between clients of private and public bank on five factors associated with TAM. In addition, structural equation method was used for investigation of relationships in offered model. In conclusion, all primary and secondary hypotheses for clients of private and public bank were confirmed.

  16. User behaviour impact on energy savings potential

    DEFF Research Database (Denmark)

    Rose, Jørgen

    2014-01-01

    and the residents' behaviour and if these defaults do not reflect actual circumstances, it can result in non-realisation of expected energy savings. Furthermore, a risk also exists that residents' behaviour change after the energy upgrading, e.g. to obtain improved comfort than what was possible before...... the upgrading and this could lead to further discrepancies between the calculated and the actual energy savings. This paper presents an analysis on how residents’ behaviour and the use of standard assumptions may influence expected energy savings. The analysis is performed on two typical singlefamily houses......, 3) Domestic hot water consumption and 4) Air change rate. Based on the analysis, a methodology is established that can be used to make more realistic and accurate predictions of expected energy savings associated with energy upgrading taking into account user behaviour....

  17. Statistical Uncertainty in the Medicare Shared Savings...

    Data.gov (United States)

    U.S. Department of Health & Human Services — According to analysis reported in Statistical Uncertainty in the Medicare Shared Savings Program published in Volume 2, Issue 4 of the Medicare and Medicaid Research...

  18. USAID IT Reform Cost Savings/Avoidance

    Data.gov (United States)

    US Agency for International Development — The Office of the Chief Information Officer in the Management Bureau of USAID launched initiatives designed for IT cost savings and avoidance. This dataset includes...

  19. Energy savings in Danish residential building stock

    DEFF Research Database (Denmark)

    Tommerup, Henrik M.; Svendsen, Svend

    2006-01-01

    A large potential for energy savings exists in the Danish residential building stock due to the fact that 75% of the buildings were constructed before 1979 when the first important demands for energy performance of building were introduced. It is also a fact that many buildings in Denmark face...... comprehensive renovations in the coming years and in connection with this renovation process energy saving measures can be implemented relatively inexpensive and cost effective. This opportunity should be used to insure the buildings in the future as far as energy consumption is concerned. This paper gives...... buildings representing the residential building stock and based on these calculations an assessment of the energy-saving potential is performed. A profitable savings potential of energy used for space heating of about 80% is identified over 45 years (until 2050) within the residential building stock...

  20. Energy efficiency: Building labels lead to savings

    Science.gov (United States)

    Walls, Margaret

    2017-03-01

    Various programmes have been introduced to increase energy efficiency in buildings. A study of commercial buildings in Los Angeles, USA, now finds that voluntary certification programmes have been effective at lowering energy use, bringing savings of up to 30%.

  1. Potential Logistics Cost Savings from Engine Commonality

    National Research Council Canada - National Science Library

    Henderson, Robert L; Higer, Matthew W

    2007-01-01

    The purpose of this MBA Project is to determine potential logistics cost savings the USAF and DoD could have realized through the life of the F-16 fighter aircraft had they required engine commonality...

  2. The School Advanced Ventilation Engineering Software (SAVES)

    Science.gov (United States)

    The School Advanced Ventilation Engineering Software (SAVES) package is a tool to help school designers assess the potential financial payback and indoor humidity control benefits of Energy Recovery Ventilation (ERV) systems for school applications.

  3. GSA IT Reform Cost Savings/Avoidance

    Data.gov (United States)

    General Services Administration — GSA IT provides data related to Agency IT initiatives that save or avoid expenditures. This data is provided as a requirement of OMB's Integrated Data Collection...

  4. Glaucoma: Screening Can Save Your Sight!

    Science.gov (United States)

    ... of this page please turn Javascript on. Feature: Glaucoma Glaucoma: Screening Can Save Your Sight! Past Issues / Fall 2009 Table of Contents People with glaucoma see the world through a tunnel. Glaucoma is ...

  5. Household Credit and Saving: Does Policy Matter?

    OpenAIRE

    Peter Lawrence

    2002-01-01

    This paper surveys the existing literature on the determinants of household savings and credit in developing countries and examines the ways in which macro-level policies might impact on household financial behaviour.

  6. Genuine Savings as an Indicator for “Weak” Sustainability: Critical Survey and Possible Ways forward in Practical Measuring

    OpenAIRE

    Adrian Boos

    2015-01-01

    Published by the World Bank (as “Adjusted Net Savings”) for around 160 countries, Genuine Savings (GS) presents the most respected but also the most debated indicator for “weak” sustainability. It originates from the so-called “Hartwick rule” for the re-investment of rents from the depletion of natural in reproducible forms of capital. Coming from the theoretical reasoning behind GS, this paper discusses possible extensions either not yet discussed or underrepresented in current research. Mai...

  7. Innovative client-oriented technology of «Savings bank of Russia»

    OpenAIRE

    Goldyrev, E.; Kuznetcova, E.

    2013-01-01

    Innovative management technologies appearance in the management system of JSC “Sberbank Russia” inevitably implies old policy reconsideration. The article suggests new services for JSC “Sberbank Russia” with the aim of credit products sales promotion, customers’ loyalty increase and the bank’s marketability formation both in Russia and abroad.

  8. AN ECONOMETRICAL ANALYSIS OF THE HOUSEHOLDS SAVING BEHAVIOUR IN ROMANIA CASE STUDY: THE MONTHLY BANK DEPOSITS

    Directory of Open Access Journals (Sweden)

    BABUCEA ANA-GABRIELA

    2016-08-01

    Full Text Available The aim is also to identify a statistical regression models appropriate and as relevant to explain the evolution of the monthly household deposits although, in this respect, of all sorts of factors identified in the literature: demographic factors and the demographic change , of income, monetary factors, factors related to the fiscal-budgetary policies, behavioral factors that seem to become determinants, and the age structure of the population of Romania, were selected only those which have been identified monthly data series from January 2012. To verify the existence of causal relationships identified and determining the nature and intensity of their methodology was used the parametric statistical analysis of the correlation resorting to specialized software package SPSS v.23 for Windows. The paper is structured as follows: first is dedicate to the introduction and a short literature review, second part is about data overview and summary statistics, third section captures methodology and results and last section reflects conclusions.

  9. Assessment of a credit scoring system for popular bank savings and credit

    Directory of Open Access Journals (Sweden)

    José Francisco Martínez Sánchez

    2016-01-01

    Full Text Available El sistema bancario actual no cubre las necesidades de servicios financieros, y en particular de créditos, a los sectores más desfavorecidos de la sociedad. La presencia bancaria se localiza fundamentalmente en las ciudades y regiones con actividad económica importante, y para atender a estos sectores excluidos se han creado de forma natural, pero sin supervisión ni soporte de la autoridad, entidades financieras como las cajas populares, cooperativas, sociedades financieras populares, entre otras, que en conjunto se denominan entidades de ahorro y crédito popular. Sin embargo, la mayoría de este tipo de instituciones no son reconocidas ni supervisadas por la CNBV, lo cual se traduce en riesgos tanto para los usuarios de los servicios como para las instituciones financieras, destacando las ineficiencias en sus procesos de otorgamiento de créditos, ya que las decisiones de aceptar o no una solicitud de crédito se sustentan en el conocimiento, la experiencia y el criterio del analista de crédito. Este trabajo presenta la evaluación de un sistema de credit scoring , tanto en términos de costo-eficiencia para las entidades de ahorro y crédito, en especial para las SOFIPOS, como en términos de costo-beneficio para el proveedor de los servicios de evaluación de solicitudes de crédito. Como se mostrará en el desarrollo del trabajo, un modelo de esta naturaleza hace más eficiente el proceso crediticio a un costo razonable y es una inversión rentable para el proveedor de servicios de credit scoring.

  10. How Fleet Bank fought employee flight.

    Science.gov (United States)

    Nalbantian, Haig R; Szostak, Anne

    2004-04-01

    In the late 1990s, Fleet Bank was facing high and rising employee turnover, particularly in its retail operations. Overall turnover had reached 25% annually, and among some groups, such as tellers and customer service reps, turnover was as high as 40%. Using a new methodology developed by Mercer Human Resource Consulting, Fleet set out to determine why so many employees were leaving and what could be done to retain them. It began examining data from HR, finance, operations, and sales about employee behavior and the factors that influence it in different locations and labor markets, departments or work groups, in positions with different pay and benefits, and under different supervisors. Fleet's analysis showed that people were leaving not so much for better pay--their personal testimony notwithstanding--but for broader experience, which they thought would enhance their marketability. Additionally, the analysis revealed a link between the turnover problem and the company's busy history of mergers and acquisitions. Fleet's mergers and acquisitions. frequently meant that it had to consolidate operations. That consolidation resulted in layoffs, which provoked higher levels of voluntary turnover, perhaps because remaining employees began worrying about their job security. While the obvious solution to the turnover problem might have been to compensate the remaining employees--say, with higher pay--the more effective and less costly solution, Fleet discovered, was to focus on employees' career opportunities within the company. Those who moved up the hierarchy, or who even made lateral moves, stayed longer. By offering better internal opportunities for career development, the bank was able to stanch much of the hemorrhaging in personnel. Its solutions required only modest investments, which in the end saved the company millions of dollars.

  11. Rotating Savings and Credit Associations as Insurance

    OpenAIRE

    Stefan Klonner

    2000-01-01

    Recent theoretical research on rotating savings and credit associations (Roscas) suggests that identical individuals prefer a random to a bidding Rosca when participants save for a lumpy durable or an investment good. Here,in contrast, under the assumption that participants are risk averse and that their incomes are stochastic and independent, it is shown that a random Rosca is not advantageous, while participation in a bidding Rosca improves ex ante expected utility if temporal risk aversion...

  12. Essays on rotating savings and credit associations

    OpenAIRE

    Klonner, Stefan

    2001-01-01

    Recent theoretical research on rotating savings and credit associations (Roscas) suggests that identical individuals prefer a random to a bidding Rosca when participants save for a lumpy durable or an investment good. Here, in contrast, under the assumption that Rosca funds are used for consumption, that participants are risk averse, and that their incomes are stochastic, independent and privately observed, it is shown that a random Rosca is not advantageous, while a bidding Rosca is so if te...

  13. Heuristics and Biases in Retirement Savings Behavior

    OpenAIRE

    Shlomo Benartzi; Richard Thaler

    2007-01-01

    Standard economic theories of saving implicitly assume that households have the cognitive ability to solve the relevant optimization problem and the willpower to execute the optimal plan. Both of the implicit assumptions are suspect. Even among economists, few spend much time calculating a personal optimal savings rate. Instead, most people cope by adopting simple heuristics, or rules of thumb. In this paper, we investigate both the heuristics and the biases that emerge in the area of retirem...

  14. The spirit of capitalism and savings behavior

    OpenAIRE

    Heng-fu Zou

    1995-01-01

    This paper presents a capitalist-spirit model of savings by including wealth in the intertemporal utility function. While this model includes the life-cycle model and bequest model as two special cases, it sheds light on why wealth holding has tended to increase with age, why decumulation of wealth after retirement has not happened, and why households with and without children have not shown significant differences in their savings behavior. The capitalist-spirit approach is especially useful...

  15. Potential energy savings and thermal comfort

    DEFF Research Database (Denmark)

    Jensen, Karsten Ingerslev; Rudbeck, Claus Christian; Schultz, Jørgen Munthe

    1996-01-01

    The simulation results on the energy saving potential and influence on indoor thermal comfort by replacement of common windows with aerogel windows as well as commercial low-energy windows are described and analysed.......The simulation results on the energy saving potential and influence on indoor thermal comfort by replacement of common windows with aerogel windows as well as commercial low-energy windows are described and analysed....

  16. Individual savings accounts for social insurance

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Hansen, Martin Ino; Sørensen, Peter Birch

    2008-01-01

    Using Danish data, we find that about three-fourths of the taxes levied to finance public transfers actually finance benefits that redistribute income over the life cycle of individual taxpayers rather than redistribute resources across people. This finding and similar results for other countries...... provide a rationale for financing part of social insurance via mandatory individual savings accounts. We discuss the advantages and disadvantages of mandatory individual savings accounts for social insurance and survey some recent alternative proposals for such accounts...

  17. PENGARUH AKTIVASI MEREK, HAMBATAN BERPINDAH DAN KEPUASAN NASABAH TERHADAP LOYALITAS NASABAH BANK “X”

    Directory of Open Access Journals (Sweden)

    Mila Fauziah

    2017-01-01

    Full Text Available The policy by the Bank of Indonesia to decrease interest rate of  Bank Indonesia’s certificate, from 11,82% in 2008 to 4,20% in 2012 causes the declination of the interest rate for  the bank products such as savings, deposit, and giro.  In 2008–2013, Bank “X” which is government owned, and has the second largest asset in Indonesia unfortunately has the customer loyalty level lower than of Bank “Y”.  Bank “Y” is chosen as the Best of Indonesian Bank Loyalty Championship for conventional bank savings product category, which was organized by Indonesian Bank Loyalty Award (IBLA.   To maintain the continuance of the company as well as the banking activities, customer loyalty is one the main keys.   In this regard, the objective of the research is to analyze the factors that influence the customer loyalty.  The data is analyzed using descriptive statistic and Structural Equation Modeling (SEM. The result of the research shows that the customer satisfaction variable, switching barriers, and brand activation are significantly affected by customer’s loyalty.  Reliability attribute, responsiveness, empathy and tangible are capable to influence the customer’s satisfaction.  The interpersonal relationship indicators, alternative attractiveness and switching cost influence the switching barriers.       Keywords: brand activation, switching barriers, customers’ satisfaction and loyaltyAbstrakKebijakan Bank Indonesia menurunkan tingkat suku bunga Sertifikat Bank Indonesia (SBI pada tahun 2008 sebesar 11,82% menjadi 4,20% pada tahun 2012, membuat suku bunga produk perbankan seperti tabungan, deposito dan giro cenderung menurun. Bank “X” merupakan bank milik negara yang memiliki asset terbesar kedua di Indonesia sejak 2008 hingga tahun 2013, namun tingkat loyalitas nasabah Bank “X”selalu menjadi runner up masih kalah dengan loyalitas nasabah Bank “Y” yang terpilih sebagai The Best of Indonesian Bank Loyalty

  18. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  19. 12 CFR 619.9060 - Bank for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank for cooperatives. 619.9060 Section 619.9060 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9060 Bank for cooperatives. A bank for cooperatives is a bank that is operating under section 3.0 of the Act. ...

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

    African Journals Online (AJOL)

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

  1. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm Credit...

  2. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Mission of the Banks. 940.2 Section 940.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION CORE MISSION ACTIVITIES § 940.2 Mission of the Banks. The mission of the Banks is to provide to their members' and housing...

  3. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings...

  4. RECRUITMENT FINANCED BY SAVED LEAVE (RSL PROGRAMME)

    CERN Multimedia

    Division du Personnel; Tel. 73903

    1999-01-01

    Transfer to the saved leave account and saved leave bonusStaff members participating in the RSL programme may opt to transfer up to 10 days of unused annual leave or unused compensatory leave into their saved leave account, at the end of the leave year, i.e. 30 September (as set out in the implementation procedure dated 27 August 1997).A leave transfer request form, which you should complete, sign and return, if you wish to use this possibility, has been addressed you. To allow the necessary time for the processing of your request, you should return it without delay.As foreseen in the implementation procedure, an additional day of saved leave will be granted for each full period of 20 days remaining in the saved leave account on 31 December 1999, for any staff member participating in the RSL programme until that date.For part-time staff members participating in the RSL programme, the above-mentioned days of leave (annual, compensatory and saved) are adjusted proportionally to their contractual working week as...

  5. Creation of Carbon Credits by Water Saving

    Directory of Open Access Journals (Sweden)

    Yasutoshi Shimizu

    2012-07-01

    Full Text Available Until now, as a way of reducing greenhouse gas emissions from Japanese homes, the emphasis has been on reduction of energy consumption for air-conditioning and lighting. In recent years, there has been progress in CO2 emission reduction through research into the water-saving performance of bathroom fixtures such as toilets and showers. Simulations have shown that CO2 emissions associated with water consumption in Japanese homes can be reduced by 25% (1% of Japan’s total CO2 emissions by 2020 through the adoption of the use of water-saving fixtures. In response to this finding, a program to promote the replacement of current fixtures with water-saving toilet bowls and thermally insulated bathtubs has been added to the Government of Japan’s energy-saving policy. Furthermore, CO2 emission reduction through widespread use of water-saving fixtures has been adopted by the domestic credit system promoted by the Government of Japan as a way of achieving CO2 emission-reduction targets; application of this credit system has also begun. As part of a bilateral offset credit mechanism promoted by the Government of Japan, research to evaluate the CO2 reduction potential of the adoption of water-saving fixtures has been done in the city of Dalian, in China.

  6. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

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

  7. How to finance new energy-conservation equipment: investment in saving

    Energy Technology Data Exchange (ETDEWEB)

    Lipscombe, G.

    1977-11-01

    A London banker outlines how companies can finance the new equipment needed to lower fuel consumption and reduce fuel bills. He notes that internal financing is the custom, but that the new urgency placed on efficient plant operation has broadened the options for financing capital projects. Financial considerations involve simple payback periods or a more sophisticated appraisal of an energy project's life-time effect on cash flow. Financiers will take into account whether there is a government grant, fuel cost savings, project costs, and tax allowances, although there are disadvantages in the discount approach. Outside sources of capital include bank drafts, term loans, leasing facilities, hire-purchase, and government loans. Each company must determine the best type of financing for its needs, but the opportunities improve when the energy manager, company accountant, and bank manager understand each other.

  8. External indebtedness of Croatian banks

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-06-01

    Full Text Available The paper analyses the main characteristics of the foreign assets and foreign liabilities of the banks that to a great extent include credit and deposit activities with non-residents – foreign physical persons and legal entities, mostly with foreign banks. The author in this paper analyses the size and trends of the Republic of Croatia’s external debt with regard to gross domestic product, import, export, international reserve of the Croatian National Bank (HNB, etc. The author also discusses external debt of the banks that have, during the past few years, contributed substantially to the overall external debt of the Republic of Croatia. The autor points out that the banks have used foreign sources mainly for placing citizens’ loans, and less for financing development projects and economy. Thus, the banks have “spent”, i.e. used up their credit capacity as well as the credit capacity of the Republic of Croatia. Regardless of the fact that the banks have improved the quality of their assets, maintained liquidity/solvency and made extremely good profits, there have not been positive effects of the multiplication of credits/loans and deposits nor have there been the awaited effects on the growth of the gross domestic product and employment that otherwise might have been achieved via different foreign resources investment policy

  9. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

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

  10. Structured Adaptation of Black Migrants from the Caribbean: An Examination of an Indigenous Banking System in Brooklyn.

    Science.gov (United States)

    Bonnett, Aubrey W.

    1981-01-01

    The rotating credit associations of Brooklyn, New York, are institutions which have been transplanted from the West Indies. The association is an alternative to the United States banking system and offers immigrants, illegal aliens, and permanent residents alike the opportunity to alternately save and borrow small sums of interest-free money. (JCD)

  11. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

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

  12. Bank-characteristics, lending channel and monetary policy in Malaysia: evidence from bank-level data

    OpenAIRE

    Abdul Majid, Muhamed Zulkhibri

    2010-01-01

    Based on a bank-level panel dataset for Malaysian banks from 1997 to 2005, this paper analyzes the effects of bank-specific characteristics, bank specialization and portfolio concentrations on the transmission of monetary policy via bank lending channel in a fairly well-developed financial system. The dynamic panel regression results provide evidence in favour of the bank lending channel theory and consistent with other empirical evidences that the bank lending channel operating via small and...

  13. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

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

  14. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... 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... 23261-4528: 1. U.S. Immigration Investment Center, LLC, Washington, DC, and its managing director...

  15. 75 FR 19974 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-16

    ... 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. 225.41 of the... L. Lowe, Danville, California; and Christopher A. Masto, San Francisco, California; as the managing...

  16. 78 FR 41063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-09

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly retain...

  17. 75 FR 8362 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-24

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants... Carla Alger, all of Homestead, Florida; to acquire voting shares of Hometown of Homestead Banking...

  18. THE IMPACT OF COOPERATION BETWEEN INSURERS AND BANKS ON THE DEVELOPMENT OF THE INSURANCE SYSTEM

    Directory of Open Access Journals (Sweden)

    Nataliya Prikazyuk

    2017-11-01

    Full Text Available The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks, financial intermediaries’ unions often carry significant risks. Benefits from the cooperation of insurance companies and banks are disclosed with operational, marketing and financial aspects. The purpose of the article is to study the forms of cooperation between financial intermediaries and their impact on the insurance system. Methodology. The study is based on theoretical methods to study this problem. The theoretical and methodological basis of the study is works of scientists on the models of cooperation between insurers and banks. The dialectical method of cognition as well as such methods as logical generalization, structural and systematic analysis are used to study the methodological foundations of banks’ impact on the insurance companies and insurance system. Results. Banking activity has a significant impact on the insurance system. This impact is noticeable at the micro-level: insurers and banks can be clients of each other as well as they can sign cooperation agreements. A significant positive impact of the bancassurance on the activities of both financial institutions within the synergy that appears during their cooperation is highlighted in the article. Respectively, the insurance company and the bank are experiencing the benefits of cooperation along with savings on fixed, variable costs and obtaining additional profits; simplifying and optimization of the process of collecting and processing information; savings on advertising and

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

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

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

  20. Islamic Banks and Financial Stability; An Empirical Analysis

    OpenAIRE

    Martin Cihak; Heiko Hesse

    2008-01-01

    The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 18 banking systems with a substantial presence of Islamic banking. We find that (i) small Islamic banks tend to be financially stronger than small commercial banks; (ii) large commercial banks tend to be financially stronger than large Islamic banks; and (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may refle...

  1. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

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

  2. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

    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.

  3. Size and support ratings of US banks

    NARCIS (Netherlands)

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

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

  4. 31 CFR 515.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 515.314 Section... § 515.314 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  5. 31 CFR 500.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 500.314 Section... § 500.314 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  6. International taxation and cross-border banking

    NARCIS (Netherlands)

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

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

  7. Stress-testing banks under deep uncertainty

    NARCIS (Netherlands)

    Islam, T.; Vasilopoulos, C.; Pruyt, E.

    Years of turmoil in the banking sector have revealed the need to assess bank performance under deep uncertainty and identify vulnerabilities to different types of risks. Banks are not the safe houses of old. Today, banks are highly uncertain dynamically complex systems that are permanently at risk

  8. Data banks for recreation supply and participation

    Science.gov (United States)

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

    1980-01-01

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

  9. Foreign bank ownership and household credit

    NARCIS (Netherlands)

    Beck, T.H.L.; Brown, M.

    2015-01-01

    Theoretical and empirical work on banking emphasizes the role of banks in overcoming information asymmetries and agency problems between borrowers and lenders. This paper investigates the importance of bank ownership in determining the sorts of customers that a bank serves, and consequently, the

  10. CORPORATE GOVERNANCE OF BANKS : A SURVEY

    NARCIS (Netherlands)

    de Haan, Jakob; Vlahu, Razvan

    This paper reviews the empirical literature on the corporate governance of banks. We start by highlighting the main differences between banks and nonfinancial firms and focus on three characteristics that make banks special: (i) regulation, (ii) the capital structure of banks, and (iii) the

  11. 26 CFR 1.581-1 - Banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Banks. 1.581-1 Section 1.581-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.581-1 Banks. (a) In order to be a bank as defined in section 581, an...

  12. 29 CFR 1917.126 - River banks.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false River banks. 1917.126 Section 1917.126 Labor Regulations...) MARINE TERMINALS Terminal Facilities § 1917.126 River banks. (a) This section applies to temporary installations or temporary operations near a river bank. (b) Where working surfaces at river banks slope so...

  13. 31 CFR 535.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 535.320 Section 535... § 535.320 Domestic bank. (a) The term domestic bank shall mean any branch or office within the United... Treasury may also authorize any other banking institution to be treated as a “domestic bank” for the...

  14. NIH NeuroBioBank

    Data.gov (United States)

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

  15. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

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

  16. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

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

  17. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  19. Consumer behavior in corporate banking

    Directory of Open Access Journals (Sweden)

    Đorđević Bojan

    2008-01-01

    Full Text Available Deregulation and the emergence of new forms of technology have created highly competitive market conditions which have had a critical impact upon consumer behavior in corporate banking. Bank providers must, therefore, attempt to better understand their corporate clients in an attempt not only to anticipate but also to influence and determine consumer buying behavior. The paper accordingly presents and develops a model which attempts to articulate and classify corporate consumer behavior in the purchasing of financial products and services.

  20. Bank Mergers, Competition and Liquidity

    OpenAIRE

    Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo

    2004-01-01

    We model the impact of bank mergers on loan competition, reserve holdings and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the dis...