Round table on economic instruments for environmental protection. A brief to the Senate Standing Committee on Energy and the Environment and Natural Resources

Energy Technology Data Exchange (ETDEWEB)

NONE

1992-10-20

The Canadian Nuclear Association is presenting a brief to the Senate Standing Committee on energy and the environment and natural resources. When looking at the techniques to reduce pollution from energy activity, a preference is towards the economic instruments, away from the command and control techniques. Economic instruments provide incentives to all the participants in the marketplace.

Round table on economic instruments for environmental protection. A brief to the Senate Standing Committee on Energy and the Environment and Natural Resources

International Nuclear Information System (INIS)

1992-01-01

The Canadian Nuclear Association is presenting a brief to the Senate Standing Committee on energy and the environment and natural resources. When looking at the techniques to reduce pollution from energy activity, a preference is towards the economic instruments, away from the command and control techniques. Economic instruments provide incentives to all the participants in the marketplace

Homeless Mentally Ill: Problems and Options in Estimating Numbers and Trends. Report to the Chairman, Committee on Labor and Human Resources, U.S. Senate.

Science.gov (United States)

General Accounting Office, Washington, DC. Program Evaluation and Methodology Div.

In response to a request by the United States Senate Committee on Labor and Human Resources, the General Accounting Office (GAO) examined the methodological soundness of current population estimates of the number of homeless chronically mentally ill persons, and proposed several options for estimating the size of this population. The GAO reviewed…

The heat is on: Australia's greenhouse future. Report to the Senate Environment, Communications, Information Technology and the Art References Committee

International Nuclear Information System (INIS)

2000-11-01

On 11 August 1999, the Senate referred matters pertaining to global warming to the Environment, Communications, Information Technology and the Art References Committee for inquiring. The Committee is reporting on the progress and adequacy of Australian policies to reduce global warming, in light of Australia's commitments under the Framework Convention on Climate Change. It also critically evaluates the effectiveness Australian Government programs and policies, both state and Federal, in particular those aiming to provide for the development of emerging renewable energies, energy efficiency industries and the more efficient use of energy sources and the extent to which the Government's relations with industry under the Greenhouse Challenge Program are accountable and transparent. Projected effect of climate change on Australia's ecosystems and the potential introduction of national system of emissions trading within Australia are also examined

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

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

Committee on Science

Science.gov (United States)

SCIENCE ADVISOR WASHINGTON, DC -- Today, House Science Committee Chairman Sherwood Boehlert (R-NY23) and Advisor nominee Dr. John H. Marburger. The Senate Commerce Committee has scheduled a nomination hearing for this afternoon, and Boehlert and Grucci have been invited to testify. Dr. Marburger was nominated

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

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

Transfusion Practices Committee of a public blood bank network in Minas Gerais, Brazil.

Science.gov (United States)

de Carvalho, Ricardo Vilas Freire; Brener, Stela; Ferreira, Angela Melgaço; do Valle, Marcele Cunha Ribeiro; Moraes-Souza, Helio

2012-01-01

This study aimed to verify the performance of blood transfusion committees in transfusion services linked to the public blood bank network of the state of Minas Gerais. A cross-sectional observational study was conducted between 2007 and 2008 using questionnaires and proficiency tests to evaluate the reporting and investigation of transfusion reactions comparing transfusion services with and without transfusion committees in the public transfusion services of the state of Minas Gerais. Nineteen of Hemominas own transfusion services and 207 that contracted the services of the foundation located in 178 municipalities were visited between 2007 and 2008. Established transfusion committees were present in 63.4% of the services visited. Transfusion incidents were reported by 53 (36.8%) transfusion services with transfusion committees and by eight (9.6%) without transfusion committees (p < 0.001) with 543 (97.5%) and 14 (2.5%) notifications, respectively. Of the reported transfusion incidents, 40 (75.5%) transfusion services with transfusion committees and only two (25%) of those without transfusion committees investigated the causes. The incidence of notification and investigation of the causes of transfusion reactions was higher in transfusion services where a transfusion committee was present. Despite these results, the performance of these committees was found to be incipient and a better organization and more effective operation are required.

Indian School Equalization Program. Oversight Hearing on 1991-93 Budgeting for the Indian School Equalization Program. Joint Hearing before the Select Committee on Indian Affairs, United States Senate and the Subcommittee on Elementary, Secondary, and Vocational Education of the Committee on Education and Labor. House of Representatives, One Hundred Second Congress, Second Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Select Committee on Indian Affairs.

This report represents a hearing on the Indian School Equalization Program (ISEP) administered by the Bureau of Indian Affairs (BIA). The hearing began with opening remarks by the acting committee chairman of the Senate Select Committee on Indian Affairs, Paul Simon. Testimonies concerning the inadequacies of the ISEP funding formula are provided…

11 CFR 106.8 - Allocation of expenses for political party committee phone banks that refer to a clearly...

Science.gov (United States)

2010-01-01

..., district, or local committee or organization of a political party where— (1) The communication refers to a... 11 Federal Elections 1 2010-01-01 2010-01-01 false Allocation of expenses for political party... Allocation of expenses for political party committee phone banks that refer to a clearly identified Federal...

76 FR 47947 - Re-Proposal of Shelf Eligibility Conditions for Asset-Backed Securities

Science.gov (United States)

2011-08-05

.... Securities and Exchange Commission Before the Senate Committee on Banking, Housing and Urban Affairs...); Australian Securitisation Forum (AusSF); Bank of America (BOA); CNH Capital America (CNH); Financial Services...

Hearings Before the Select Committee on Nutrition and Human Needs of the United States Senate, Ninety-Third Congress, First Session. Nutrition Education--1973. Part 6--Phosphate Research and Dental Decay. Hearings Held Washington, D.C., April 16, 1973.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Select Committee on Nutrition and Human Needs.

These hearings before the Select Committee on Nutrition and Human Needs of the United States Senate include testimony on the subject of research into the use of phosphates to prevent dental decay. The purpose of the hearing was to explore certain dental health questions raised during the committee's recent hearings on the Television Advertising of…

Nuclear Proliferation Factbook. Prepared for the Subcommittees on Arms Control, International Security and Science and on International Economic Policy and Trade of the Committee on Foreign Affairs, U.S. House of Representatives and the Subcommittee on Energy, Nuclear Proliferation, and Federal Processes of the Committee on Governmental Affairs, U.S. Senate, 99th Congress, 1st session.

Science.gov (United States)

Library of Congress, Washington, DC. Congressional Research Service.

To provide a handy reference for those concerned with ways to avoid the further spread, or proliferation, of nuclear weapons, the House Committee on Foreign Affairs and the Senate Committee on Governmental Affairs have since 1977 sponsored periodic publication of the Nuclear Proliferation Factbook. This fourth edition of the factbook includes a…

Cyberporn and Children: The Scope of the Problem, the State of the Technology, and the Need for Congressional Action. Hearing on S.892, a Bill To Amend Section 1464 of Title 18, United States Code, To Punish Transmission by Computer of Indecent Material to Minors, before the Committee on the Judiciary, United States Senate. One Hundred Fourth Congress, First Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on the Judiciary.

This document presents witness testimony and supplemental materials from a Congressional hearing called to address pornography in cyberspace. It features opening statements by Senator Charles E. Grassley and Senator Patrick J. Leahy; and statements by Senators Strom Thurmond, Russell D. Feingold, Orrin G. Hatch, Chairman of the Senate Committee on…

78 FR 28594 - Advisory Committee Meeting

Science.gov (United States)

2013-05-15

... draft competitiveness report, and Ex-Im Bank economic impact policy update. Public Participation: The... EXPORT-IMPORT BANK OF THE UNITED STATES Advisory Committee Meeting ACTION: Notice of Open Meeting of the Advisory Committee of the Export- Import Bank of the United States (Ex-Im Bank). Time and...

American Association of Tissue Banks

Science.gov (United States)

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

A Progress Report by The Committee on University Governance.

Science.gov (United States)

Florida Atlantic Univ., Boca Raton.

Based on its conclusion that a unicameral senate would be both desirable and feasible, Florida Atlantic University's Committee on University Governance drafted a proposal to establish a "single university-wide Senate, which truly represents Administration, Faculty, and Students." The two parts of the proposal present (1) the composition…

U.S. Senate may consider Law of the Sea treaty again

Science.gov (United States)

Showstack, Randy

2012-05-01

U.S. ambassador David Balton hopes that the third time will be the charm. The U.S. Senate's Committee on Foreign Relations currently is considering holding hearings for a third time regarding U.S. accession to the United Nations Convention on the Law of the Sea, a framework governing uses of the world's oceans. The committee could hold hearings as early as this month, Balton, deputy assistant secretary for oceans and fisheries at the U.S. Department of State, said at the AGU Science Policy Conference on 2 May.

Protecting Children in Day Care: Building a National Background Check System. Hearing before the Committee on the Judiciary, United States Senate, One Hundred Second Congress, First Session on the National Child Protection Act of 1991.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on the Judiciary.

In his opening statement at this hearing, committee chairman Senator Joseph Biden mentioned the National Child Protection Act of 1991; praised Oprah Winfrey's efforts to support programs and legislation to prevent sexual abuse of children; presented data on the incidence of sexual abuse of children in the home and in day care centers; and…

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

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

Year 2000 Computing Crisis: Actions Needed to Address Credit Union Systems' Year 2000 Problem

National Research Council Canada - National Science Library

1998-01-01

On October 22,1997, we submitted testimony to the Senate Subcommittee on financial Services and Technology, Committee on Banking, Housing, and Urban Affairs on the National Credit Union Administration's (NCUA...

Senate panel boosts DOE spending, save Yucca account

CERN Multimedia

Behrens, L

2002-01-01

The Senate Appropriations Committee last week approved an energy and water spending bill with $21 billion for the Energy Department, $426 million more than the Bush administration requested, and $1.1 billion more than the agency received in the financial year 2000. The bill would provide increases above the Bush request and current spending across-the-board in DOE's renewable energy, nuclear energy, science, weapons complex cleanup, defense and nonproliferation programs. The only major program that would be funded below the president's request is nuclear waste disposal (1 page).

Development of Native American Culture and Art--Part 3. To Promote the Development of Native American Culture and Art. Hearing Before the Select Committee on Indian Affairs, United States Senate, Ninety-Seventh Congress, First Session on S. 792.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Select Committee on Indian Affairs.

The Select Committee on Indian Affairs met July 29, 1981 to hear testimony concerning S. 792, a bill to provide for the establishment of a national institute to preserve, revitalize, and disseminate Indian art and culture. Bill S. 792 was endorsed by senators from Oregon and Hawaii and, with certain reservations, by representatives of eight Indian…

11 CFR 100.82 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...

11 CFR 100.142 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...

Optimal preventive bank supervision

OpenAIRE

Belhaj, Mohamed; Klimenko, Nataliya

2012-01-01

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

Crisis in Science and Math Education. Hearing before the Committee on Governmental Affairs, United States Senate. One Hundred First Congress, First Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Environment and Public Works.

This document contains the transcript of a senate hearing on the crisis in science and math education. The document includes the opening statements of Senators Glenn, Kohl, Bingaman, Lieberman, Heinz, and Sasser, and the testimony of seven witnesses including: Honorable Mark O. Hatfield, Senator from the State of Oregon; Carl Sagan, Ph.D. Cornell…

Bank of England’s monetary policy committee – assessing the importance and the implication upon monetary policy

OpenAIRE

Florin Cornel DUMITER; Horatiu Florin SOIM

2012-01-01

The monetary policy strategies arround the world have been envolving in the last two decades considerable. In the past, central banks’ have been associated with a „veil of mistery” having at their grounds the so-called policy mistique. Nowadays, the new monetary policy strategy – inflation targeting – promoted by many countries established new coordinates for monetary policy. In this paper we focuse upon the monetary policy committee with a special focus upon the Bank of England’s case, becau...

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

Beliefs and accountability in an Islamic bank

Directory of Open Access Journals (Sweden)

Ahmadasri Alaudin

2015-05-01

Full Text Available An Islamic bank in Malaysia (Malpha positions itself on being Islamic. The products and services are more expensive while employees are paid less than normal commercial banks. What bonds customers and employees to the bank are symbols of Islam: aqad (oral agreement between the bank and a customer, doa’ (supplication, a prayer, the tazkirah (short religious talks at the morning meeting and zakat (or almsgiving. Bank Malpha uses aqad (oral agreement between the bank and a customer and Doa (supplication, a prayer to form the basis of belief systems that influence the relationship with a customer. With regard to intermediaries, reciprocity (a form of trust underpins the relationship between the bank and its intermediaries (housing developers and lawyers for example. This bonding is reinforced by a boundary system: the shariah committee. The shariah committee assesses the shariah (lawful according Islam compliance and also engages with employees regarding shariah issues. This promotes learning through words and dialogue. However there is little documentation on customer recovery. If indeed non-performing loans are a key performance indicator for this Islamic bank, the challenge for this Islamic bank is to identify key processes to manage customer recovery.

THE INFLUENCE OF BOARD OF COMMISSIONERS AND AUDIT COMMITTEE EFFECTIVENESS, OWNERSHIP STRUCTURE, BANK MONITORING, AND FIRM LIFE CYCLE ON ACCOUNTING FRAUD

Directory of Open Access Journals (Sweden)

Synthia Madya Kusumawati

2013-06-01

Full Text Available Financial statement fraud has cost market participants, including investors, employees, creditors, and pensioners. Capital market participants expect active and vigilant corporate governance to ensure the quality, integrity, and transparency of financial information. Financial statement fraud is a serious threat to market participants’ confidence in published audited financial statements. Financial statement fraud has recently received considerable attention from the business community, accounting profession, academicians, and regulators. This paper sheds light on the factors that may increase the likelihood of financial statement fraud. This study empirically tests the impact of board of commissioners and audit committee effectiveness, ownership structure, bank monitoring, and the firm life cycle on the probability of accounting fraud. Hypothesis testing was carried out by using logistic regression model using fraud data from BAPEPAM-LK (Indonesia Stock Exchange Supervisory Agency during the years of 2005-2011. The result of this study indicates that the audit committee effectiveness and controlled family ownership reduce the fraud probability. However, the effectiveness of board commissioners, foreign ownership, bank monitoring, and the firm life cycle do not have any effect on fraud probability.

Hearings Before the Select Committee on Nutrition and Human Needs of the United States Senate, Ninety-Third Congress, First Session. Nutrition Education--1973. Parts 3, 4, and 5--TV Advertising of Food to Children. Washington, D.C., March 5, 6, and 12, 1973.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Select Committee on Nutrition and Human Needs.

These hearings before the Senate Select Committee on Nutrition and Human Needs are organized in several parts (See UD 013 650 for Parts 1, 2, and 2A). The purpose of these hearings is to review the quality of advertising now being directed at children, and the health implications of that advertising; as well as what steps can be taken to use…

Enhanced governance committees in South Africa’s national government departments: A conceptual exploration

Directory of Open Access Journals (Sweden)

Tankiso Moloi

2015-04-01

Full Text Available This paper argues that almost all other non-governmental institutions for instance banks and pension funds, in addition to the risk and audit committees, have credit committees in respect of banks and investment committees in respect of pension funds. These committees provide oversight on the core businesses of these institutions. In a similar manner, national government departments should not only have universal governance committees such as the audit and risk committees, instead the study envisions governance committees modelled around the idea parliamentary portfolio committees. The envisaged committees will remain governance committees with defined roles and responsibilities similar to the audit and risk committees that are already in existence in the national government departments.

8. report of the Standing Senate Committee on energy, the environment and natural resources : facts do not justify banning Canada's current offshore drilling operations : a Senate review in the wake of BP's Deepwater Horizon incident

Energy Technology Data Exchange (ETDEWEB)

Angus, W.D.; Mitchell, G. (comps.)

2010-08-15

The blowout of BP's Macondo well in the Gulf of Mexico has prompted many drilling practice reviews worldwide. This review by Canada's Senate Committee on Energy, the Environment and Natural Resources investigated Canadian offshore drilling practices. It showed that the risk of an offshore accident is quite low, partly because of the small amount of drilling currently underway in Canada. As a result, the committee recommended against a moratorium on offshore drilling. The study found that Canada's regulations for safety are more stringent than regulations in the United States. This report has elicited further reviews of liability and responsibility issues regarding offshore drilling. The Canadian legislation specifies that oil and gas companies are responsible for all spill clean-up costs and damage compensation. A $30 million absolute liability fund covers blowout costs for drilling in Canada's east offshore coast. A second civil liability fund requires drilling companies to provide Canadian regulators access to $70 million to cover damages from fault or negligence in offshore drilling. In addition, well operators may be required to provide evidence that they have a minimum of $250 million to fund well control, well safety and spill cleanup expenses. This report recommended a comprehensive review of liability, including whether thresholds should be adjusted to reflect current economic realities. refs., tabs., figs.

76 FR 58319 - Order Granting Temporary Exemption of Kroll Bond Rating Agency, Inc. From the Conflict of...

Science.gov (United States)

2011-09-20

... Exchange Act of 1934 (``Exchange Act'') prohibits a nationally recognized statistical rating organization... traditionally has operated mainly under the ``subscriber-paid'' business model, in which the NRSRO derives its... Act'') as set forth in the Report of the Senate Committee on Banking, Housing, and Urban Affairs...

French Senate debate on nuclear deterrence; Dissuasion nucleaire francaise

Energy Technology Data Exchange (ETDEWEB)

Vincon, S. [UMP Cher (France); Bentegeat, H. [Cema, 75 - Paris (France); Verwaerde, D. [CEA Bruyeres le Chatel, 91 (France); Quinlan, M. [IISS, Londre (United Kingdom); Tertrais, B. [Fondation pour la Recherche Strategique (FRS), 75 - Paris (France)

2006-07-15

The Senate committee on foreign affairs, defence and the Armed Forces met at a round table session on 14 June 2006 to discuss French nuclear deterrence. Serge Vincon presided the discussion, which covered three aspects of the subject: first, an analysis of the current and medium-term future strategic contexts and their consequences for the role of deterrence, and thus whether or not current doctrine is matched to current and future threats; second, the assets dedicated to deterrence, how well they reflect doctrine and how they fit in with other defence priorities; and finally an examination of Britain position within NATO along with future possibilities arising from closer European defence cooperation. (author)

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

Directory of Open Access Journals (Sweden)

Yibing Chen

2014-01-01

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

12 CFR 715.7 - Supervisory Committee audit alternatives to a financial statement audit.

Science.gov (United States)

2010-01-01

... financial statement audit. 715.7 Section 715.7 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION... Committee audit alternatives to a financial statement audit. A credit union which is not required to obtain a financial statement audit may fulfill its supervisory committee responsibility by any one of the...

Michigan Senate Bill 826: Replace Common Core with pre-2011 Massachusetts Standards

Directory of Open Access Journals (Sweden)

Sandra Stotsky

2016-04-01

Full Text Available Interested in academic standards and assessments proven to raise student achievement? You won’t get that from the Common Core Standards and their associated consortium tests, PARCC and SBAC. Despite the boisterous hype of higher, deeper, richer, more rigorous, and so on, there exists no valid evidence to support their claims of higher quality, achievement, or college readiness. There is a set of state standards and assessments, however, proven through actual experience to have raised academic achievement for students at all levels and in all curricular pathways: those used in Massachusetts from 2000 to 2011. So, why not use them? Such a proposal was recently proposed, and passed, by the Michigan Senate Education Policy Committee. Here, we provide links to Sandra Stotsky’s testimony before that committee, along with other relevant links. - See more at: http://nonpartisaneducation.org/Review/Resources/MichiganBill.htm

Improving the System of Risk Management in Ukrainian Banks

Directory of Open Access Journals (Sweden)

Skasko Oleh I.

2014-01-01

Full Text Available The goal of the article lies in the study of evolution of formation of the risk management system in Ukrainian banks, main instruments, methods of risk management and organisational approaches to formation of subdivisions of risk management and corporate management in banks. Analysing recommendations of the Basel Committee on Banking Supervision, legislative and regulatory acts, which form organisational and methodological requirements by risk management in banks, the article reveals shortcomings of its functioning. The article gives proposals on improvement of riskology in Ukrainian banks, namely: introduction of the requirement for risk assessment and stress testing by banks in the medium-term prospective (up to 3 years, which would reveal risks of realisation of long-term bank programmes, potential losses of receipts and capital due to existing gaps between the terms of performance of obligations by assets and liabilities, etc. In the result of the study the article establishes that in order to realise requirements of the Basel Committee on Banking Supervision on organisation of subdivisions of risk management in banks, it is necessary to introduce qualification requirements to managers of these services and procedures of their assignment/retirement in co-ordination with the banking supervision service, the status of which in the bank is not lower than managers of the internal audit and financial monitoring services, assignment of whom should be mandatory co-ordinated with NBU.

Component event data bank fast breeder reactors

International Nuclear Information System (INIS)

Cambi, G.; Righini, R.; Sola, P.G.; Zappellini, G.

1986-01-01

ENEA, the Italian Committee for Research and Development of Nuclear Energy, has created a data bank expressly concerning FBRs. The structure of the bank is similar to previous CEDB for LWR, but has been fitted to the new requirements typical of FBRs and to the different conditions of the industry. (DG)

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

OpenAIRE

Lamandini, Marco; Steiner, Ilan

2007-01-01

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

ACHP | News | Legislation Passes Senate

Science.gov (United States)

Hillary Clinton. "Bipartisan approval of this legislation by an overwhelming margin reflects the Bingaman, former Senator Pete Domenici, and Senators Hillary Clinton and Richard Burr." At a Capitol , who introduced the House version; Sen. Hillary Clinton and former Sen.Pete Domenici, who introduced

ACOG committee opinion number 399, February 2008: umbilical cord blood banking.

Science.gov (United States)

2008-02-01

Two types of banks have emerged for the collection and storage of umbilical cord blood--public banks and private banks. Public banks promote allogenic (related or unrelated) donation, analogous to the current collection of whole blood units in the United States. Private banks were initially developed to store stem cells from umbilical cord blood for autologous use (taken from an individual for subsequent use by the same individual) by a child if the child develops disease later in life. If a patient requests information on umbilical cord blood banking, balanced and accurate information regarding the advantages and disadvantages of public versus private banking should be provided. The remote chance of an autologous unit of umbilical cord blood being used for a child or a family member (approximately 1 in 2,700 individuals) should be disclosed. The collection should not alter routine practice for the timing of umbilical cord clamping. Physicians or other professionals who recruit pregnant women and their families for for-profit umbilical cord blood banking should disclose any financial interests or other potential conflicts of interest.

Chilly Senate gives Carter a hard time

International Nuclear Information System (INIS)

Anon.

1979-01-01

Is the United States Senate about to deliver the final coup de grace to President Jimmy Carter Initial reaction from the Senate to Carter's Salt II agreement with Soviet Premier Leonid Brezhnev certainly points that way. The Salt II agreement still has to be submitted to a Senate that is as yet decidedly undecided about whether to ratify it. Washington sources indicate that 70 of the 100 senators are uncommitted, and 67 members must support the treaty if it is to be ratified

77 FR 75819 - Death of Senator Daniel K. Inouye, President Pro Tempore of the Senate

Science.gov (United States)

2012-12-21

... Vol. 77 Friday, No. 246 December 21, 2012 Part VI The President Proclamation 8919--Death of Senator Daniel K. Inouye, President Pro Tempore of the Senate #0; #0; #0; Presidential Documents #0; #0...; #0; #0;Title 3-- #0;The President [[Page 75821

Liquidity regulation and bank behavior

OpenAIRE

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 analyzes the development of global liquidity standards, their objectives as well as their interaction with capital standards. The analysis suggests that regulating capital is associated with declinin...

An Overview of Corporate Governance Practices of Selected Islamic Banks

Directory of Open Access Journals (Sweden)

Zainab Belal

2016-05-01

Full Text Available Complying with Corporate Governance (CG standards is not mandatory but with collapse of many financial institutions, compliance with high standards of CG in banking operation has become a necessity. This is due to the fact that many banks and companies worldwide collapsed as a result of poor corporate governance practices such as Bank of Credit and Commerce International (BCCI 1991, Barings Bank 1995, Lehman Brothers 2008, Enron 2001, WorldCom 2001, etc. Therefore, the objective of this paper is to examine and ascertain whether present level of CG standards practiced by Islamic banks is adequate to prevent or safeguard the banks from collapsing. The approach of the study is to evaluate the effectiveness of board and the various board committees utilizing data published in financial statement of the selected banks. The methodology used in this paper is analytical descriptive to reach accurate results and as more appropriate approach with this research. The study finds out that the selected banks comply with CG standards adopted; however such compliance does not mean that the board, the board committees will be constantly reliable. Therefore, instilling the Islamic values such as the concepts of ih}sân, honesty, and accountability is paramount to prevent CG failures and protect/safeguard the banks from collapsing.

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

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

BASEL III – IMPLICATIONS OF THE NEW AGREEMENT UPON THE BANKING SYSTEMS

OpenAIRE

VLADA RAMONA IOANA; BANU IOANA MADALINA

2013-01-01

Global banking crisis generated by the subprime crisis in the U.S., received in December 2010, as a response from the Committee on Banking Supervision of the Bank for International Settlements, new capital adequacy rules for banks under the Basel III title: International framework for measurement, standardization and monitoring of liquidity risk, and Basel III: A global regulatory framework for banks and a sounder banking system with new capital adequacy rules for banks. These regulations are...

77 FR 76036 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Charter Renewal

Science.gov (United States)

2012-12-26

... expanding access to banking services for underserved populations. The Committee will continue to provide advice and recommendations on initiatives to expand access to banking services for underserved... Federal Advisory Committee Act (``FACA''), 5 U.S.C. App., and after consultation with the General Services...

Effects of Man's Activities on the Marine Environment; Committee on Commerce, United States Senate, Ninety-Fourth Congress, First Session. Committee Print.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Commerce.

This report, prepared for the Committee on Commerce and the National Ocean Policy Study Committee, describes many aspects of water pollution, both national and international. Specific sections are devoted to: (1) assessing man's influence on the oceans, (2) activities that generate marine pollution, (3) specific marine pollutants, (4) policy for…

VaR Methodology Application for Banking Currency Portfolios

Directory of Open Access Journals (Sweden)

Daniel Armeanu

2007-02-01

Full Text Available VaR has become the standard measure that financial analysts use to quantify market risk. VaR measures can have many applications, such as in risk management, to evaluate the performance of risk takers and for regulatory requirements, and hence it is very important to develop methodologies that provide accurate estimates. In particular, the Basel Committee on Banking Supervision at the Bank for International Settlements imposes to financial institutions such as banks and investment firms to meet capital requirements based on VaR estimates. In this paper we determine VaR for a banking currency portfolio and respect rules of National Bank of Romania regarding VaR report.

isk governance: Experience of Islamic banks

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Siti Rohaya Mat Rahim

2015-05-01

Full Text Available Risk governance has evolved tremendously in the banking industry. Risk governance recommends the imperative roles of Chief Risk Officer (CRO to oversee risk. This study explores risk governance influence over the Islamic banks performances. Multivariate analysis techniques measure simultaneously via Structural Equation Modelling (SEM. This study employed cross-sectional sample of 200 Islamic banks across 21 countries for the year 2014. To examine risk governance and Islamic banks performance, the study captures seventeen variables developed from risk management and corporate governance (ROA, ROE, Profit Margin, CRO, Shariah committee member, CEO, board size, remuneration meeting, credit rating, external audit, accounting standard, loan loss provision, capital adequacy ratio, total deposit ratio, GDP, central bank lending rate and inflation. The simulation result reveals, risk governance act as mediating variables towards Islamic banks performance. This study has practical and significance contribution for Islamic banks to understand risk governance, aligning with the fundamental risk management and corporate governance

Corporate boards and bank loan contracting

OpenAIRE

Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang

2012-01-01

We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977. Issue No. 3.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the third in a series of 19…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977. Issue No. 4.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the fourth in a series of 19…

BASEL III – IMPLICATIONS OF THE NEW AGREEMENT UPON THE BANKING SYSTEMS

Directory of Open Access Journals (Sweden)

VLADA RAMONA IOANA

2013-12-01

Full Text Available Global banking crisis generated by the subprime crisis in the U.S., received in December 2010, as a response from the Committee on Banking Supervision of the Bank for International Settlements, new capital adequacy rules for banks under the Basel III title: International framework for measurement, standardization and monitoring of liquidity risk, and Basel III: A global regulatory framework for banks and a sounder banking system with new capital adequacy rules for banks. These regulations are the focus of global financial reform to prevent future occurrence of banking crises.

Legal Instruments of Regulation of Development of Banking Activity in Ukraine

Directory of Open Access Journals (Sweden)

Senyshch Pavlo M.

2014-03-01

Full Text Available The article considers main approaches to identification of essence of legal instruments of regulation of development of the banking activity, identifies the mechanism of legal regulation of the banking activity and its elements and justifies the system and form of legal regulation of the banking activity in Ukraine. It describes subjects of legal regulation of the banking activity at the international level, which are the Basel Committee on Banking Supervision, European Central Bank, IMF, International Financial Reporting Standards Foundation and others. The article considers specific features of the regulatory requirements of Basel II and Basel III and specific features of their introduction into the banking activity. It describes anti-cyclic measures offered by the Basel Committee, which should facilitate formation of such conditions, under which the banking sector could have a lower level of leverage and stability with respect to influence of system risks. Significant attention is paid to international instruments of regulation of the banking activity, which include the following legal acts: Uniform Rules for Collections, Uniform Customs and Practice for Documentary Credits, and Unified Rules for Loan Guarantees. The article shows that the share of subordinate legal acts is significant in the Ukrainian system of banking regulatory and legal acts since the state cannot operatively react to the changing processes in banking at the legislative level and, that is why, basic provisions on carrying out banking activity should be fixed in law.

The Gasoline Shortage: A National Perspective; A Background Paper, Committee on Interior and Insular Affairs, U.S. Senate, Ninety-Third Congress, First Session. [Committee Print

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Interior and Insular Affairs.

This publication is a background document for the National Fuels and Energy Policy Study authorized by Senate Resolution 45. The purpose of this report is to identify the issues, to describe the impact of present policy on gasoline supply and demand, and to suggest potential measures to reduce the shortfall. This document is published to assist…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977-78. Issue No. 5.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior, of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the fifth in a series of 19…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977-78. Issue No. 9.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the ninth in a series of 19…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977-78. Issue No. 17.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior, of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the 17th in a series of 19…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977-78. Issue No. 7.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior, of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the seventh in a series of 19…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977-78. Issue No. 6.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior, of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the sixth in a series of 19…

Proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behaviour, Senate of Canada, Third Session, Thirtieth Parliament, 1977-78. Issue No. 8.

Science.gov (United States)

Senate Committee of Canada (Ontario). Standing Senate Committee on Health, Welfare and Science.

Experiences in prenatal life and early childhood that may cause personality disorders or criminal behavior in later life are examined in these proceedings of the Subcommittee on Childhood Experiences as Causes of Criminal Behavior, of the Standing Committee on Health, Welfare and Science, Senate of Canada. This issue, the eighth in a series of 19…

78 FR 22260 - Sub-Saharan Africa Advisory Committee of the Export-Import Bank of the United States (Ex-Im Bank...

Science.gov (United States)

2013-04-15

... developments in Sub-Saharan Africa markets by Ex-Im Bank staff; an update on the Bank's on-going business... development and implementation of policies and programs designed to support the expansion of the Bank's financial commitments in Sub- Saharan Africa under the loan, guarantee, and insurance programs of the Bank...

Senate begins clean air legislation debate

International Nuclear Information System (INIS)

Yates, M.

1990-01-01

This article reports on Senate debate on the Clean Air Act Amendments of 1989. Topics include acid rain provisions, administration objections, costs of the bill including disparity of costs in different regions and cost-sharing proposals, and the effects the current energy policy will have on the bill. Presidential, Senate, and subcommittee views on the bill are presented

Criteria of Sharī‘ah supervisory committee: A comparative study between guidelines of Bangladesh Bank and Bank Negara Malaysia

Directory of Open Access Journals (Sweden)

Muhammad Amanullah

2015-12-01

Full Text Available Islamic banking and finance differs from conventional banking and finance in that it follows the rules of Sharī‘ah. In order to ensure that Islamic banking and finance follows the Sharī‘ah rulings, it is essential for it to have a Sharī‘ah supervisory board. An important duty of this board is to determine that the products, services, policies, guidelines and all other activities performed by the Islamic bank, are in compliance with the Sharī‘ah rulings. To perform their duty properly, the members of this board should possess certain criteria. Bangladesh Bank has spelled out some guidelines for these criteria briefly. Likewise, Bank Negara Malaysia has provided some guidelines. The main objectives of this research paper are to highlight the guidelines of these two banks on these criteria, compare them and evaluate them in light of Sharī‘ah guidelines on these criteria spelled out by contemporary Muslim jurists.

Optimizing the Banking Activity Using Assets & Liabilities Management

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Vasile Dedu

2008-10-01

Full Text Available In the actual study, starting from the international experience, we revealed the role that should be taken by the Assets and Liabilities Committee (ALCO within the Romanian commercial banks. ALCO became one of the tools used by the executive management of the banks to take decisions regarding the future policy of assets and liabilities management, relying on the synthetic information prepared by well trained technicians but without voting right (usually middle management staff. We consider that the implementation of an assets and liabilities management strategy cannot be done without an appropriate corporate governance structure, even though the bank is having highly specialized staff. Models of some western banking institutions may be considered as benchmarks by the Romanian banks.

Basel III : how have banks adjusted to increase CET1 ratios?

OpenAIRE

Bjerketvedt, Oda; Arneberg-Bauer, Tonje

2013-01-01

In 2010 the Basel Committee finalised the global framework called Basel III, which will have a significant impact on the global banking sector. A large part of the framework focuses on capital adequacy, where the Common Equity Tier 1 (CET1) ratio is essential. Through an analysis of four banks from the United Kingdom – HSBC, Barclays, Lloyds Banking Group and Standard Chartered – this thesis aim to examine how these banks have adjusted to the new CET1 requirements. In the EU the Basel III ...

International Fusion Energy Act of 1993. Hearing before the Committee on Energy and Natural Resources, United States Senate, One Hundred Third Congress, First Session on S. 646, May 6, 1993

International Nuclear Information System (INIS)

Anon.

1993-01-01

The text of the bill, International Fusion Energy Act of 1993, is included along with statements from the following: B. Bradley, Senator, NJ; Dr. J. Decker, DOE Office of Energy Research; J. Gavin; Dr. R. Hirsch, Electric Power Research Institute; B. Johnston, Senator, LA; Dr. D. Overskei, General Atomics; Dr. P. Rebut, International Thermonuclear Experimental Reactor; M. Wallop, Senator, WY

Coral reefs and the World Bank.

Science.gov (United States)

Hatziolos, M

1997-01-01

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

The banking system of liquidity risk management in commercial banks in Kosovo for 2015

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Adnan Berisha

2017-03-01

Full Text Available The financial system in general and banking system in particular in Kosovo, is one of the most stable sectors, even though the Kosovo Economy is not in any enviable position and a stable financial system which would have an impact on greater economic growth. The focus of this research will be in the structure and organization of the financial system in Kosovo with particular emphasis on Kosovo's banking system for 2015. In this research we are focused on the Commercial Banks operating in the framework of the banking sector in Kosovo, what is their capital, how many banks have local- and how many have foreign capital, by whom are licensed and supervised, how is the loans potential of commercial banks in Kosovo, how much and how was the variation of interest rates on loans and deposits for 2015 and their comparison with the previous year, what is capital sufficiency and how many commercial banks do have liquidity in Kosovo? Kosovo banking sector exposure to risk will also have a special attention where it is known that there are several types of financial risk and they are: crediting risk, liquidity risk, market risk, operational risk, etc. Our interest in this research will be focused on liquidity risk and the analysis about the management of each bank including some specific regulative frameworks such as: framework of the Basel Committee known as Basel I, Basel II and more recently Basel III, which have strict rules and which change from time to time depending on financial flows or potential crises.

12 CFR 225.90 - What are the requirements for a foreign bank to be treated as a financial holding company?

Science.gov (United States)

2010-01-01

... Basel Committee on Banking Supervision (Basel Accord); (ii) The foreign bank maintains a Tier 1 capital... 10 percent, as calculated under its home country standard; and (iii) The foreign bank's capital is...

Members of the Science and Technology Commission, Spanish Senate

CERN Multimedia

Maximilien Brice

2002-01-01

Photo 01: (left to right) Mr Francisco Xabier Albistur, Senator; Mrs Mercedes Senen, Lawyer of the Commission; Mr Ramon Antonio Socias, Second Vice-President of the Commission; Prof. Luciano Maiani, CERN Director-General, Mr Alonso Arroyo, President of the Commission, signing the VIP visitors' book; and Mr Adolfo Abejon, Senator. Photo 02: Mr Alonso Arroyo, President of the Commission, signing the VIP visitors' book. Photos 03, 04: Mr Ramon Antonio Socias, Second Vice-President of the Commission, signing the VIP visitors' book; and Mr Adolfo Abejon, Senator. Photo 05: Mr Francisco Xabier Albistur, Senator, signing the VIP visitors' book. Photo 06: Mrs Mercedes Senen, Lawyer of the Commission, signing the VIP visitors' book. Photo 07: (left to right) Mr Francisco Xabier Albistur, Senator; Prof. Juan Antonio Rubio, Education and Technology Transfer Division Leader; Prof. Luciano Maiani, CERN Director-General; Mr Ramon Antonio Socias, Second Vice-President of the Commission; Mr Alonso Arroyo, President of the C...

78 FR 24744 - Postponement Notice of Open Special Meeting of the Sub-Saharan Africa Advisory Committee of the...

Science.gov (United States)

2013-04-26

... EXPORT-IMPORT BANK Postponement Notice of Open Special Meeting of the Sub-Saharan Africa Advisory Committee of the Export-Import Bank of the United States (Ex-Im Bank) SUMMARY: The Sub-Saharan Africa... of the Bank's financial commitments in Sub- Saharan Africa under the loan, guarantee, and insurance...

12 CFR 272.4 - Committee actions.

Science.gov (United States)

2010-01-01

... and Banking FEDERAL RESERVE SYSTEM (CONTINUED) FEDERAL OPEN MARKET COMMITTEE RULES OF PROCEDURE § 272... System Open Market Account. All communications of recommended actions and votes under this paragraph... execution of any operations pursuant to the action, the action is null and void unless it is ratified and...

78 FR 56702 - Notice of Open Special Meeting of the Sub-Saharan Africa Advisory Committee (SAAC) of the Export...

Science.gov (United States)

2013-09-13

...-Import Bank Transactions in Sub-Saharan Africa. Public Participation: The meeting will be open to public... EXPORT-IMPORT BANK Notice of Open Special Meeting of the Sub-Saharan Africa Advisory Committee (SAAC) of the Export-Import Bank of the United States (Export-Import Bank). SUMMARY: The Sub-Saharan...

78 FR 26031 - Notice of Open Special Meeting of the Sub-Saharan Africa Advisory Committee of the Export-Import...

Science.gov (United States)

2013-05-03

... financial commitments in Sub- Saharan Africa under the loan, guarantee, and insurance programs of the Bank... EXPORT-IMPORT BANK Notice of Open Special Meeting of the Sub-Saharan Africa Advisory Committee of the Export-Import Bank of the United States (Ex-Im Bank) SUMMARY: The Sub-Saharan Africa Advisory...

ANALYSIS OF HOW YOU MANAGE RISK IN THE BANK BANCPOST S.A.

Directory of Open Access Journals (Sweden)

Rodica Pripoaie

2008-05-01

Full Text Available Risk management within Bancpost is a decentralized process guided by policies andprocedures laid down centrally. Within the bank there are five major organizational groups involved inthe process of risk management. These groups are responsible for defining, implementing and / orrevision of policies, regulations and procedures for risk management of the bank:1. Board of Directors;2. Executive Committee and heads of bank;3. The Risk Management;4. Internal Audit;5. Business units (branches, agencies, working points.

76 FR 72204 - Renewal of Advisory Committee Charter

Science.gov (United States)

2011-11-22

.... II. Structure The Committee shall consist of 17 members appointed by the Bank's Board of Directors on..., services, and State government, with not less than three members being representative of the small business... members being representative of the [[Page 72205

Retirement, Work, and Lifelong Learning; Hearing Before the Special Committee on Aging, Ninety-Fifth Congress, Second Session. Part 3.

Science.gov (United States)

Arizona State Dept. of Economic Planning and Development, Phoenix.

The transcripts of the testimony given before the Senate Committee by the Chairman of the Civil Service Commission, Alan Campbell, and Stanley Babson, management consultant and former vice president of finance for Technicon Corporation, are presented. Statements address the following issues of concern: age discrimination, management of job skills,…

Overview of OECD-NEA Nuclear Science and Data Bank Activities

International Nuclear Information System (INIS)

Gulliford, Jim

2012-01-01

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

The Effectiveness of Corporate Boards: Evidence from Bank Loan Contracting

OpenAIRE

Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang

2009-01-01

This paper investigates the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and non-price loan terms (e.g., interest rates, collateral, covenants and performance pricing) are more favorable and syndicated loans comprise more lenders. In addition, board size, board diversity, audit committee structure and other director characteristics also influence bank loan price. However they do not consistently affect all non-price loa...

Financial Sector Assessment Program : Nigeria - Basel Core Principles for Effective Banking Supervision

OpenAIRE

International Monetary Fund; World Bank

2013-01-01

The assessment of the current state of the implementation of the Basel Core Principles (BCP) for effective banking supervision in Nigeria, against the BCP methodology issued by the Basel Committee on Banking Supervision (BCBS) in October 2006, was completed between August 27 and September 19, 2012, as part of a Financial Sector Assessment Program (FSAP) update, undertaken jointly by the Fu...

Determinants of the Financial Performances of Commercial Banks in Ethiopia: From Internal Corporate Governance Practice Perspective

Directory of Open Access Journals (Sweden)

Olani Bekele Sakilu

2015-03-01

Full Text Available ABSTRACT The purpose of this study is to examine the determinants of the financial performances of commercial banks in Ethiopia from an internal corporate governance practices perspective using time series data covering the period of 2008-2013. In the study, financial performance is measured by ROA and ROE of the banks. The study finds that qualified directors in the board, directors with prior experience in banking, chief executive officer compensation and existence of risk management committee in the board have a statistically significant and positive effect on banks’ performance in terms of both ROA and ROE; whereas ownership dispersion has a statistically significant and negative effect on banks performance.  The effect of frequency of board meeting on financial performance of bank is positive and significant in terms of ROA, but significant and negative in terms of ROE.  On the other hand, variables such as board size, female director in the board, and the existence of audit committee in the board did not have a statistically significant effect on bank’s performance.

WHAT WAS THE ROLE OF THE SUPERVISORY COMMITTEE RECOMMENDATIONS FOR CREDIT INSTITUTIONS AND THE REQUIREMENTS OF BASEL III

Directory of Open Access Journals (Sweden)

MEDAR LUCIAN-ION

2010-12-01

Full Text Available The economic downturn and financial crisis has negative impacted the European banking system, which determined the Basel Committee on Banking Supervision, after the implementation of "Basel I and Basel II", to conduct a new series of recommendations. The economic crisis has affected all types banking products and services, all models of supervision and all evaluation methods known. Credit institutions innovations, on the ease of promoting new products and services, absence amid of high quality capital who can absorb losses in the limit of liquidity, led to a deadlock on lending activity. Supervisory Committee appointed by the new "Basel III" recommendations, requires the introduction of minimum global standards for measuring and monitoring liquidity risk and also requires banks to triple quality capital reserve by 2015-2019, up to a 7% capital adequacy.

78 FR 25442 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Science.gov (United States)

2013-05-01

... Committee will provide advice and recommendations on initiatives to expand access to banking services by... accounts and bank prepaid cards, and an update on mobile financial services and economic inclusion. The....vodium.com/goto/fdic/advisorycommittee.asp . This service is free and available to anyone with the...

75 FR 81606 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Charter Renewal

Science.gov (United States)

2010-12-28

... focused on expanding access to banking services by underserved populations. The Committee will continue to provide advice and recommendations on initiatives to expand access to banking services by underserved... Services Administration, the Chairman of the Federal Deposit Insurance Corporation has determined that...

76 FR 71437 - Mutual Savings Association Advisory Committee

Science.gov (United States)

2011-11-17

... (MSAAC or Committee) formerly administered by the Office of Thrift Supervision, as it is necessary and in...: Timothy T. Ward, Deputy Comptroller for Thrift Supervision, 250 E Street SW., Washington, DC 20219. FOR... as federal savings associations (including federal savings banks); and (2) issue charters therefore...

77 FR 25658 - Negotiated Rulemaking Committee; Public Hearings

Science.gov (United States)

2012-05-01

... and available to the student via debit or another bank-provided card. We are interested in how or... DEPARTMENT OF EDUCATION 34 CFR Chapter VI [Docket ID ED-2012-OPE-0008] Negotiated Rulemaking... negotiated rulemaking committee to prepare proposed regulations for the Federal Student Aid Programs...

The Incentive Effect of Scores: Randomized Evidence from Credit Committees

OpenAIRE

Daniel Paravisini; Antoinette Schoar

2013-01-01

We design a randomized controlled trial to evaluate the adoption of credit scoring with a bank that uses soft information in small businesses lending. We find that credit scores improve the productivity of credit committees, reduce managerial involvement in the loan approval process, and increase the profitability of lending. Credit committee members' effort and output also increase when they anticipate the score becoming available, indicating that scores improve incentives to use existing in...

Impact abroad of the accident at the Three Mile Island nuclear power plant: March-September 1979. Prepared for the Subcommittee on Energy, Nuclear Proliferation and Federal Services of the Committee on Governmental Affairs, United States Senate by the Congressional Research Service, Library of Congress

International Nuclear Information System (INIS)

Anon.

1980-01-01

On March 28, 1979, an accident occurred in a nuclear power plant at Three Mile Island, near Harrisburg, Pennsylvania. It caused widespread fears of catastrophe and raised doubts as to the adequacy of what some nuclear utilities and the U.S. Nuclear Regulatory Commission have done to assure safe operation of nuclear power plants. Now, some ten months after the accident, its effects on Federal regulation and upon the public's attitude toward nuclear power are still evolving. The final effects remain hidden in the future. They can be expected to have an impact on the development of nuclear power in the United States and also abroad. The accident at Three Mile island has been investigated and analyzed exhaustively by the NRC, by the nuclear industry, by a Presidential commission (the Kemeny Commission), and by two committees of Congress. Some of these studies are still in progress. Many foreign governments sent teams to analyze and report on the accident and reactions to it. Because the future of nuclear power abroad seems likely to bear imprint of the accident, and because of the inescapable interconnection between nuclear power in the United States and in other countries, Senator John Glenn's Subcommittee on Energy, Nu-Proliferation and Federal Services of the Senate Committee on Government Affairs, asked the Congressional Research Service (CRS) to arrange for reviews of the impacts abroad. The CRS contracted for this review with two well-situated analysts. One is Geoffrey Greenhalgh, an Englishman who has had a long association with the nuclear power industry in Europe and is a support of it. The other is Walter C. Patterson, who is one of the leading articulate critics of nuclear power and has long been associated with Friends of the Earth, in London

Potential implications of a NSFR on German banks' credit supply and profitability

OpenAIRE

Schmitt, Matthias; Schmaltz, Christian

2016-01-01

We study how a Net Stable Funding Ratio as defined by the Basel Committee in 2014 (NSFR (2014)) would affect the profitability of German banks and their capacity to lend. With a NSFR-model that is partially calibrated against reported NSFRs, we find that 9% of German banks do not comply with the NSFR (2014). This is a significant reduction compared to the 39% that we find for its prior definition, the NSFR (2010), for the same sample. Structurally, banks that do not comply with the NSFR (2014...

Basic Requirements Of The Basel Committee On Regulating Capital Adequacy And Liquidity Of Commercial Banks

OpenAIRE

Bahriddin Berdiyarov

2012-01-01

The current paper highlights theBaselI, Basel II & Basel III requirements on capital adequacy and liquidity of commercial banks.  In the paper, Basel II structure, methods of loan risk assessment, coefficients of loan risk assessment, credit risk measurement for counterparty banks are discussed.  Moreover, assessments of Basel III on bank chances against crisis driven from financial and economic crunches, risk management, performance quality and bank transparency improvement measures are ...

THE TREATMENT OF INTERSEX AND THE PROBLEM OF DELAY: THE AUSTRALIAN SENATE INQUIRY INTO INTERSEX SURGERY AND CONFLICTING HUMAN RIGHTS FOR CHILDREN.

Science.gov (United States)

O'Connor, Mike

2016-03-01

When a child is born with indeterminate genitalia (so-called intersex or disordered sex development), it becomes very difficult to balance the child's right to determine their own sexual future against the problems of living as a child with an indeterminate gender. Moreover, the initial assignment of gender may prove to be inappropriate and major psychological disturbances in the recipient can arise during adolescence and adult life. The problems of these children were explained to the Australian Senate Committee during its inquiry into intersex surgery in 2013. As a result, the Committee made a number of recommendations, including a proposal that all surgery be deferred until the child is able to consent to treatment. The author argues that the Committee's proposal to delay all modifications of indeterminate genitalia is impractical. The inclusion in the definition of intersex of common conditions (such as hypospadias in genetic male infants) means that necessary and uncontroversial surgery will be delayed until after puberty. This delay may be harmful and adverse to some children's best interests.

Minutes: Annual Meeting of the President's Committee on Employment of the Handicapped (Washington, D.C., May 1-2, 1969).

Science.gov (United States)

President's Committee on Employment of the Handicapped, Washington, DC.

Reporting the events of the meeting of the President's Committee on Employment of the Handicapped, the text includes speeches by Chairman Russell, Senator Bob Dole, Secretary of Labor Schultz, Rene Carpenter, Mr. Lustenberger of the W.T. Grant Company, W.F. Schnitzler of the AFL-CIO, Mrs. Koontz of the Department of Labor, Dr. Harlem, President of…

Atividades do Senado Federal brasileiro na área de saúde pública, 1995 e 1996 Activities of the Brazilian Senate in the field of public health, 1995 and 1996

Directory of Open Access Journals (Sweden)

Luiz Carlos Romero

2000-02-01

sistemática de trabalho no âmbito das comissões técnicas e da consultoria técnica do Senado.The objective of this study was to identify and describe the actions of Brazilian senators in the field of public health in 1995 and 1996. We also sought to determine if profession, regional background, or political party influenced the senators' actions. The actions were divided into three types: legislative (proposal and review of bills and petitions; supervisory (information requests to the executive branch and the establishment of inquiry committees and other special committees; and parliamentary (speeches. The data were collected from two databases maintained by the Senate, namely MATE and DISC. Of the 89 senators who were in office during the study period, 76 were involved with public health issues. Of the total of 667 actions studied, there was a predominance of speeches (43% of all actions, most of them responding to news reported by regional or national media. Supervisory activities were limited (5% of all actions were information requests. The subjects dealt with most frequently were health policies (30%, drugs (9%, regulation of health professions (8%, disease control (7%, and worker health (6%. Concerning the professions of the senators, the most frequent categories were physicians, teachers, and journalists. The senators representing the North and Northeast regions performed 62% of the actions and were involved with almost all the health subjects. Although 43% of the actions were carried out by liberal and right-wing senators, the senators from socialist and labor parties had a stronger proportional participation (both in terms of senators involved and actions performed. It is interesting to note that socialist and labor senators showed minimal involvement in the issue of worker health. The predominance of speeches as a prevalent type of action, the limited and disjointed scope of legislative actions, and, especially, the poor monitoring and control show the need

Corporate Governance in the Nigerian Banking Industry: Issues and ...

African Journals Online (AJOL)

DR Nneka

Globalization and Information and Communication Technology (ICT) took the world by storm ... of directors and audit committees failed to constrain “creative” accounting to keep up ... the system of internal controls and procedures by which individual companies are ..... Banking Reforms and its Impact on Nigerian Economy.

Banking Audit - Towards a Higher Degree of Harmonization

Directory of Open Access Journals (Sweden)

Adela Socol

2016-11-01

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

Medicare: Comparison of Catastrophic Health Insurance Proposals--An Update. Briefing Report to the Chairman, Select Committee on Aging, House of Representatives.

Science.gov (United States)

General Accounting Office, Washington, DC. Div. of Human Resources.

This document updates a recent report by the General Accounting Office (GAO) which compared Medicare catastrophic health insurance proposals. The update includes H.R. 2470, as passed by the House of Representatives and S. 1127, as reported by the Senate Committee on Finance. An introduction explains the roles of Medicare, Medicaid, the Veterans…

Senate Rostrum: The Academic Senate for California Community Colleges Quarterly Newsletter, April 2017

Science.gov (United States)

Academic Senate for California Community Colleges, 2017

2017-01-01

The Rostrum is a quarterly publication of the Academic Senate for California Community Colleges. The following articles are included in this issue: (1) Power in the Collective: Faculty, Collegial Consultation, and Collaboration (Julie Bruno); (2) The ASCCC Budget and Fiscal Reporting (Julie Adams and John Freitas); (3) Building Bridges:…

No Statecraft, Questionable Jurisprudence: How the Supreme Court Tried to Kill Senate Reform

Directory of Open Access Journals (Sweden)

F.L. Ted Morton

2015-04-01

Full Text Available In the Senate Reform Reference of 2014, the Supreme Court of Canada declared the Harper government’s proposed reforms to the Canadian Senate unconstitutional. The court ruled that the Federal Government could not legislate non-binding, consultative elections for selecting senators, nor legislate term limits for senators without the consent of at least seven of the 10 provinces. It also ruled that abolishing the Senate would require the unanimous consent of all 10 provinces. The court’s ruling is widely understood to have put an end to the Senate reform movement of the past three decades and to have constitutionally entrenched the Senate status quo. My analysis criticizes the court for failing to play a constructive role in facilitating the political reform of an institution that has ceased to serve any useful political purpose (other than patronage and for unnecessarily condemning Canadians to endure this dysfunctional second chamber for at least another generation. In earlier analogous cases of political deadlock and constitutional ambiguity— the Patriation Reference of 1981 and the Quebec Secession Reference of 1997—the court exercised “bold statecraft [if] questionable jurisprudence” to craft compromise rulings that facilitated subsequent resolutions by elected governments. But not in this case. The court could have easily reached a more constructive conclusion following its own “living tree” approach to constitutional interpretation. The court ignored its own “foundational constitutional principles” of democracy and federalism—values that would be enhanced by provincial Senate elections. Indeed, the court has now given greater constitutional support for secession referendums in Quebec than it has for democratically elected senators. I suggest that there is still an exit strategy for the Harper government out of this judicially created dead end: simply turn the appointment of future senators over to provincial premiers

Senate Rostrum: The Academic Senate for California Community Colleges Quarterly Newsletter, October 2017

Science.gov (United States)

Academic Senate for California Community Colleges, 2017

2017-01-01

The Rostrum is a quarterly publication of the Academic Senate for California Community Colleges. The following articles are included in this issue: (1) Effective Participation in Governance: Policies and Practices (Julie Bruno); (2) TOP Code Alignment Project and Impacts on Local Coding (Craig Rutan); (3) Focus on Transfer: ADTs, UCTP Degrees, and…

Analisis Pengaruh Islamic Corporate Governance Terhadap Corporate Social Responsibility (Studi kasus pada Bank Syariah di Indonesia

Directory of Open Access Journals (Sweden)

Ismawati Haribowo

2016-01-01

Full Text Available This study aims to examine the influence of Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility (case study on the bank Sharia in Indonesia. This research is a quantitative study using scientific research in the form of positive economics. The nature and type of this research is descriptive method used is based on a survey of the literature. Data used is secondary data obtained from www.bi.go.id and corporate websites. The analytical method used is multiple linear regression analysis with SPSS version 22. The population in this study are all Islamic banks registered in Bank Indonesia during the period 2012 to 2014. While the sample is determined by using purposive sampling method in order to obtain a sample of 10 banks with observations for 3 years.Based on the results of multiple regression analysis with significance level of 5%, then the results of this study concluded: (1 Islamic Corporate Governance consisting of Existence and expertise Sharia Supervisory Board has no significant effect on the disclosure of corporate social responsibility. (2 The size of the BOC significant effect on the disclosure of corporate social responsibility. (3 The composition of the Board of Commissioners has no significant effect on the disclosure of corporate social responsibility. (4 The frequency of the number of board meetings no significant effect on the disclosure of disclosure of corporate social responsibility. (5 The size independent audit committee has no significant effect on the disclosure of corporate social responsibility. (6 The composition of the independent audit committee has no significant effect on the disclosure of corporate social

Constitution and the prevention of nuclear holocaust: a reaction to professor Banks

International Nuclear Information System (INIS)

Carter, S.L.

1986-01-01

Responding to an article in which Professor William C. Banks argues that Congress can require the President to have the permission of a special committee of congressmen before ordering a first use of nuclear weapons, the author contends that the proposal, first offered by the Federation of American Scientists (FAS), cannot withstand constitutional tests. Congressional war power laws prohibit Congress from delegating this power to a committee since it must be the consent of the entire Congress. While supporting the concept of a crisis committee as well-intentioned, he argues that its role should be one of setting, not implementing policy

Constitution and the prevention of nuclear holocaust: a reaction to professor Banks

Energy Technology Data Exchange (ETDEWEB)

Carter, S.L.

1986-01-01

Responding to an article in which Professor William C. Banks argues that Congress can require the President to have the permission of a special committee of congressmen before ordering a first use of nuclear weapons, the author contends that the proposal, first offered by the Federation of American Scientists (FAS), cannot withstand constitutional tests. Congressional war power laws prohibit Congress from delegating this power to a committee since it must be the consent of the entire Congress. While supporting the concept of a crisis committee as well-intentioned, he argues that its role should be one of setting, not implementing policy.

75 FR 23152 - Board of Directors of Federal Home Loan Bank System Office of Finance

Science.gov (United States)

2010-05-03

...Governed by the Federal Housing Finance Agency's (FHFA) regulations, the Federal Home Loan Bank System's (Bank System) Office of Finance issues debt (``consolidated obligations'') as agent for the Federal Home Loan Banks (Banks) on which the Banks are jointly and severally liable and publishes combined financial reports on the Banks so that members of the Bank System, investors in the consolidated obligations, and other interested parties can assess the strength of the Bank System that stands behind them. The Office of Finance (OF) is governed by a board of directors, the composition and functions of which are determined by FHFA's regulations. FHFA's experience with the Bank System and with the OF's combined financial reports during the recent period of market stress suggests that the OF and the Bank System could benefit from a reconstituted board and strengthened audit committee. This regulation is intended to achieve that end.

International and Russian practice of banking risk-management. Mortgage risks

Directory of Open Access Journals (Sweden)

A. V. Nikolaeva

2016-01-01

Full Text Available The goal of the work is to compare Russian norms and standards of risk management of mortgage lending with international standards of risk management based on the documents of the Basel Committee. The article also aims to analyze new banking tools of risk management of mortgage lending, that arise in connection with the application of international norms and standards of risk management.Materials and Methods: The main documents considered in the article are the agreements on capital, issued by the Basel Committee on Banking Supervision: Basel-I (1988, Basel-II (2004 and Basel-III (2010, as well as instructions and standing orders issued by the Central Bank of Russia, including: Instruction № 139-I "Ob obiazatel'nykh normativakh bankov", instruction № 1 "O poriadke regulirovaniia deiatel'nosti kommercheskikh bankov", the standing order number 215-P "O metodike opredeleniia sobstvennykh sredstv (kapitala kreditnykh organizatsii", the standing order № 395-P "O metodike opredeleniia velichiny sobstvennykh sredstv (kapitala kreditnykh organizatsii («BAZEL III»" and others. On the basis of these documents the work examines and summarizes the main methods of risk management of mortgage lending, such as: comparison and analysis of risk management techniques, study of the basic documents regulating risk management in banks and generalization of risk management methods in the segment of mortgage lending.Results: The article analyzes the legal and methodological basis of risk management and provides practical methods that can be used in practice for managerial decisions in a constantly changing external economic environment. It also analyses international and native risk management. Russian standards of risk-management are compared with international. The work conducts a critical review of the effects of introduction of international standards in Russia. Special attention is paid to the practice of mortgage risk

77 FR 76356 - Disclosure to Investors in System-wide and Consolidated Bank Debt Obligations of the Farm Credit...

Science.gov (United States)

2012-12-28

... FARM CREDIT ADMINISTRATION 12 CFR Part 630 RIN 3052-AC77 Disclosure to Investors in System-wide and Consolidated Bank Debt Obligations of the Farm Credit System; System Audit Committee; Effective... Corporation System Audit Committee and the Farm Credit System annual report to investors. In accordance with...

Louisiana State Senate Districts from LEGIS source data, Geographic NAD83, LOSCO (2004) [la_senate_districts_LEGIS_2003

Data.gov (United States)

Louisiana Geographic Information Center — Louisiana State Senate Districts. The district boundaries are the result of legislative acts and redistricting. Reapportionment (redistricting) occurs during the...

CERN debt to the Pension Fund (Bank loan)

CERN Document Server

2006-01-01

The Finance Committee is invited to recommend the Council and the Council is invited to approve the taking out of a loan with FORTIS BANK with the purpose of the repayment of the Organization's debt to the Pension Fund, in accordance with the conditions set out in the Annex 2, thereby authorising the CERN Management to sign the Agreement on 23 June 2006.

48 CFR 25.703-2 - Iran Sanctions Act.

Science.gov (United States)

2010-10-01

... Financial Intelligence in the Department of the Treasury, and the Office of Terrorism Finance and Economic Sanctions Policy, Bureau of Economic, Energy, and Business Affairs in the State Department, allowing... committees (Committee on Armed Services of the Senate, Committee on Finance of the Senate, Committee on...

Hearing is prelude to senate showdown on climate change

Science.gov (United States)

Showstack, Randy

Two U.S. senators who are sponsoring legislation to reduce greenhouse gas emissions have indicated that they will loosen the reduction requirements in an effort to attract additional support for the bill. Senators John McCain (R-Arizona) and Joseph Lieberman (D-Connecticut) indicated they will offer the amended version in preparation for a Senate showdown on climate change expected later this fall.The Climate Stewardship Act of 2003 (S.139), originally introduced in January 2003, still would promote climate research, establish a mandatory carbon dioxide reduction program, and require affected industry sectors to reduce greenhouse emissions to year 2000 levels by the year 2010. However, McCain said the bill no longer would require further reductions, by the year 2016, to levels that existed in 1990. The bill also would be far less rigorous than the Kyoto Protocol.

Key Senators Issue Call for `Meaningful' Climate Legislation

Science.gov (United States)

Showstack, Randy

With the U.S. Senate currently considering national energy legislation, Senators John McCain (R-Arizona) and Joseph Lieberman (D-Connecticut) plan to offer a modified version of their bipartisan, proposed Climate Stewardship Act of 2003 (S. 139) as an amendment. The amendment would establish a market driven system of greenhouse gas tradeable allowances to reduce emission. It would also provide for a program of scientific research on abrupt climate change in order to identify and understand past instances of abrupt change; and would establish a national greenhouse gas data base.

The World Banks' BioCarbon Fund

Energy Technology Data Exchange (ETDEWEB)

Noble, I.

2003-03-01

In November 2002 the World Bank launched the BioCarbon Fund, a public/private initiative to provide finance to projects that store carbon in vegetation and soils ('sinks') while helping to reverse land degradation, conserve biodiversity and improve the livelihoods of local communities. The Fund will seek projects to sequester or conserve carbon in non-Annex I countries and in countries in transition. Sinks may be the only option for poor nations with small energy to benefit from the carbon finance business. The Fund will include a portion of assets based on reductions in emissions such as substitution of biofuels for fossil fuels. The author Ian Noble of the World Bank, is chairman of the BioCarbon Fund Technical Advisory Committee.

77 FR 14568 - Earned Import Allowance Program: Evaluation of the Effectiveness of the Program for Certain...

Science.gov (United States)

2012-03-12

... results of its reviews to the House Committee on Ways and Means and the Senate Committee on Finance. The... submissions. July 26, 2012: Transmittal of third report to House Committee on Ways and Means and Senate Committee on Finance. ADDRESSES: All Commission offices, including the Commission's hearing rooms, are...

Bone banking.

Science.gov (United States)

Howard, W

1999-04-01

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

Senate Bill (PLS No. 200, de 2015, analysis versus the Principle of the Prohibition of Social Regression

Directory of Open Access Journals (Sweden)

Glaucia Ribeiro Lima

2016-12-01

Full Text Available The Senate Bill (PLS number 200, of 2015, proposes the edition of a law for the conduction of clinical trials involving human subjects. This study aimed to perform a critical analysis of the PLS 200/2015, based on the Principle of the Prohibition of Social Regression. Thus, a descriptive, documentary and normative research was conducted, with survey of the ethical and sanitary standards related to clinical research and findings related to the PL 200/2015. The PLS 200/2015 and the information regarding was also consulted on the website of the Senate. The regulation of the matter by law demonstrated not to be a problem in the research. The main conflicts were related to the creation of Independent Ethics Committee (IEC, that does not link the ethic review to an State Agency; the use of placebo, in which flexibility is contrary to all efforts to ensure that participants have the best treatment options; and post-study access, which restriction is contrary to the existing regulations that determine the free and unlimited access. The analysis of the main settings specified in the PLS 200/2015 did not identify social or scientific improvements. The Principle of the Prohibition of Social Regression can be used, thus, to ensure the constitutional provisions already undertake and accomplished, mainly the right to health, human dignity and the inviolability of the right to live.

THE EFFECTIVENESS OF PRUDENTIAL BANKING SUPERVISION: PECULIARITIES OF METHODICAL APPROACHES

Directory of Open Access Journals (Sweden)

S. Naumenkova

2015-10-01

Full Text Available Іn the article the theoretical fundamentals of the prudential banking supervision effectiveness and substantiation of approaches to calculation of the integral indicator of supervisory system compliance with the Basel Committee Core Principles were investigated. The “functional effectiveness” and “institutional effectiveness” concepts of supervisory activity were suggested. The authors have defined the influence of supervisory organizing structure on GDP growth by groups of countries in the world. The list of priority measures focused on increase of the effectiveness of prudential supervisory activity was systematized to restore sustainability of the national banking sector.

Senate Voting On the Strategic Defense Initiative: The Impact of the 1991 Gulf War

Directory of Open Access Journals (Sweden)

James F. Pasley

2012-04-01

Full Text Available This paper examines the effects of the success of the Patriot missile system in the 1991 Gulf War on Senate roll call votes for the Strategic Defense Initiative (SDI. Previous studies have shown that both Party Identification (PID and Ideology have had a significant effect on senators' votes on defense weapons systems. Using Logit regression techniques, this paper examines whether PID and Ideology, both of which are central to political identity, remained significant factors in three Senate votes on SDI; this paper is unique compare to previous studies of such matters in that it adds two additional explanatory variables to existing models: (1 the extent to which each state might benefit from SDI and (2 whether or not the senator from each state was up for re-election in 1992 It is hypothesized that the findings will suggest that external factors played a role in the SDI Senate votes in question. Specifically, it is hypothesized that the effects of the Gulf War Patriot missile successes led to greater legislative support (compared to support levels from previous years for the Strategic Defense Initiative among Democrats, those senators whose states would benefit from SDI funding, and those senators seeking re-election.

How the President and Senate Affect the Balance of Power in the

OpenAIRE

Gisela Sin; Arthur Lupia

2005-01-01

Can the President or the Senate affect the balance of power in the House? We find that they can. Our answer comes from a model that links House leadership decisions to the constitutional requirement to build lawmaking coalitions with the Senate and President. Changing the ideal point of a non-House actor, while holding constant the ideal point of all House members, can alter the House’s balance of power. Power shifts because changes in the Senate or President can reshape the set of achievable...

The Impact of Basel III Indexes of Leverage and Liquidity CRDIV/CRR on Bank Performance: Evidence from Greek Banks

OpenAIRE

Maria, Psillaki; Eleftheria, Georgoulea

2016-01-01

The recent global financial crisis (GFC) of 2007-2008 revealed several critical shortcomings in the existing Basel II international banking supervisory framework. The Basel Committee adopted a set of reform measures inclusive of additional solvency and liquidity rules, known as "Basel III". Through a new Directive and Regulation known as the CRD IV and CRR package, the European Union implemented Basel III in January 2014. We investigate the effects of the new liquidity and leve...

Guidelines on product liability for the hospital blood bank. The British Committee for Standards in Haematology.

Science.gov (United States)

1990-01-01

This report aims to clarify the position of the hospital blood bank in the light of product liability legislation contained in the Consumer Protection Act of 1987. Blood has been defined a 'product' under this Act. The potential for the blood bank to be seen in the role of 'supplier', 'keeper' or even 'producer' in the chain of product supply to the patient is explained and advice given on the resulting implications for blood bank practice. It will be necessary to define, adopt and implement standard operating procedures (SOP) for all blood bank activities. Guidance is given on the format, preparation and content of SOPs and specimen examples offered. The fundamental importance of quality assurance is emphasized.

Management of NPA via Capital Adequacy Norms: Its effect upon the profile of Indian banks and credit deposit ratio

Directory of Open Access Journals (Sweden)

Ramesh Chandra Das

2014-01-01

Full Text Available The reform agenda in the financial as well as banking sector in the Indian economy was not only in the target of achieving profitable banking business but also to reduce the magnitude of banking funds locked in the bad debt account so that, among others, the real delivery of credit (the credit-deposit ratio rises in overall fronts. The Narasimham Committee Report in respect of reducing magnitude of non- performing assets has been framed in line with the Basel Norm regarding the asset quality of the banks where capital adequacy ratio has been fixed for different banks to achieve within different time periods. The present study, under such a back ground, has been structured to examine the profile of all Scheduled Commercial Banks in all ranges of CRAR over time in aggregate and bank group specific and to measure degree of correlation of NPA-Deposit ratio with CRAR trends and Credit-Deposit Ratio in all ranges of CRAR and their significance levels for the time period 1995-96 to 2009-2010. It has been observed that there has been variation across banks in following the guidelines of the reform committee. SBI group and foreign banks have been performing well in this respect. There has been rising trend of the proportions of banks in the above 10 per cent range of CRAR. The NPA/D ratio and C-D ratio have been observed to be positively and negatively correlated respectively for the first three ranges of CRAR and reverse in the above 10 per cent range. The correlation between the NPA/D ratio and C-D ratio is negative and significant.

Women and the Workplace: The Glass Ceiling. Hearing before the Subcommittee on Employment and Productivity of the Committee on Labor and Human Resources, United States Senate, One Hundred Second Congress, First Session (October 23, 1991).

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.

These proceedings are from a hearing that addressed the so-called "glass ceiling"--the dearth of women in mid- and upper-management level positions in corporations and other organizations. Statements of the following persons are included: Senator Paul Simon; Elsie Vartanian, Director of the Women's Bureau; Senator Robert Dole; Lynn…

Saving Our Seniors: Preventing Elder Abuse, Neglect, and Exploitation. Hearing before the Special Committee on Aging, United States Senate, One Hundred Seventh Congress, First Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Special Committee on Aging.

In this report of a congressional hearing, testimony includes statements and prepared statements of these four senators: John Breaux, Larry Craig, Debbie Stabenow, and Herbert Kohl. Panel I is presented by the Acting Assistant Attorney General, United States (U.S.) Department of Justice. Panel II consists of individuals representing the National…

Beyond Measure: New Approaches to Analyzing Congressional Oversight of Homeland Security

Science.gov (United States)

2015-03-01

published books and peer reviewed journal articles. The Congressional Research Service being the key source on congressional procedure and theory ...Transportation Committee 1 Senate Homeland Security & Governmental Affairs Committee 15 Senate Small Business & Entrepreneurship 1 Senate Special...military contracting procedures in a war zone are not necessarily oversight of national security functions, reviews of FEMA contracting practices

Emerging Drug Threats and Perils Facing Utah's Youth. Hearing before the Committee on the Judiciary, United States Senate, One Hundred Sixth Congress, Second Session (Salt Lake City and Cedar City, Utah, July 6-7, 2000).

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on the Judiciary.

This report documents the proceedings of a two-day hearing held in Utah to begin a public dialogue on how professionals can work together to combat the dangers of substance abuse problems among adolescents. The introductory comments by the presiding chairman, Senator Orin Hatch, spell out the present problem in Utah. The senator points out how…

Senator Jake Garn on the KC-135

Science.gov (United States)

1985-01-01

Senator Jake Garn appears to be springing from a trampoline in this scene, taken during a brief period of weightlessness provided by a parabola flown by the KC-135. Jeff Bingham, an aide to the senator, floats freely nearby (25616); Sen. Garn and Jeff Bingham prepare to ease from a partially anchored position to a totally free flying mode during a brief weightless session (25617); Sen. Garn gets an initial 'feel' of weightlessness as his feet float freely while he anchors himself with his hands. Seated nearby is his aide Bingham (25618); Sen. Garn (background) shares some of the ceiling space of the KC-135 with Bingham (25619); Sen. Garn (foreground) takes a seat behind the KC-135's crew in the forward cabin. Roger Zweig and Joseph S. Algranti, pilot and co-pilot, are partially visible in the background (25620).

Uuenenud otsustuskogu : senat / Hille Erik

Index Scriptorium Estoniae

Erik, Hille

2005-01-01

12. septembril kogunes esimest korda TLÜ kollegiaalne otsustuskogu - senat: M. Heidmets, H. Mattisen, P. Normak, M. Lepik, M. Talsi, S. Liiv, P. Reiska, K. Port, E. Rüütel, A. Kivinukk, A. Pulver, R. Raud, E. Eisenschmidt, K. Karron, H. Šein, P. Raudkivi, A. Kollist, K. Katus, K. Loogma, R. Vetik, J.-M. Punning, M. Ehala, P. Tammela, T. Tõnise, L. Läänemets, L. Saareväli, A. King

An Evaluation of the Synergistic Simulation of the Federal Open Market Committee.

Science.gov (United States)

Bartlett, Robin Lynn; Amsler, Christine E.

The Federal Open Market Committee (FOMC) simulation employed three techniques: case study, role playing, and model building, in order to acquaint college students studying money and banking with the creation of monetary policy. The specific goals of the FOMC simulation were: (1) to familiarize students with the data used in monetary policy…

Quality Determinants of Independent Audits of Banks

Directory of Open Access Journals (Sweden)

José Alves Dantas

2015-04-01

Full Text Available Since DeAngelo's study (1981 on audit quality, the latter has been a topic well discussed in the international accounting literature; however, there is little evidence about audit quality in the financial market. In Brazil, studies on audit quality began only in the 2000s, although without a specific focus on banks. The purpose of this study was to identify the quality determinants of audit work in Brazilian banking institutions. Using the practice of earnings management as a proxy for audit quality - more specifically, the discretionary accruals related to the process of the constitution of the Loan Loss Provision (LLP - tests were performed based on the quarterly information of commercial and multipleservice banks and savings banks from 2001 to 2012. Empirical tests have shown that the quality of audit work has several types of relationships as follows: negative with the client importance level for the auditor; negative with the works after the sixth year of the contract; positive with the establishment of the Audit Committee by the banks; positive with the judgment of punitive administrative proceedings against independent auditors; and positive with the level of rigor of the regulatory environment. Of the tested hypotheses, three were not confirmed empirically. The first hypothesis predicted an association between audit quality and the auditor degree of specialization in the banking industry. The second hypothesis predicted that audit quality would be negatively correlated with the degree of concentration of audit activity within the National Financial System (Sistema Financeiro Nacional - SFN. The third hypothesis predicted that audit quality would be lower when the auditorclient relationship is of a short term. The results of the study contribute to the debate concerning the role of auditors in the transparency and solidity of the financial system, including their role as a complementary or auxiliary supervisor.

S.674, The Sensible Advertising and Family Education Act. Hearing before the Committee on Commerce, Science, and Transportation. United States Senate, One Hundred Third Congress, First Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Commerce, Science, and Transportation.

This Congressional hearing discusses legislation that would require health warnings to be included in advertisements of alcoholic beverages. Opening statements are included from Senators Hollings, Burns, Danforth, Thurmond, and Simon, and from Representative Kennedy. Testimony is included from two panels of witnesses, whose members include: (1)…

Pengaruh Proporsi Dewan Komisaris, Ukuran Perusahaan, Leverage, Ukuran Kantor Auditor Publik, dan Frekuensi Rapat Dewan terhadap Pembentukan Risk Management Committee pada Perusahaan Perbankan yang terdaftar di Bursa Efek Indonesia

OpenAIRE

Yahya, Ilham

2016-01-01

Risk Management Committee is a committee established by the board of directors together with the Audit Committee, Remuneration Committee and Nomination Committee. RMC in the company responsible for determining risk management strategies, evaluate risk management operations, assessing financial reporting and ensuring the organization runs in accordance with the laws and regulations. The population in this study is a banking company that is listed on the Indonesia Stock Exchange as many as 4...

Report of the Council on Environmental Quality. Hearing Before the Subcommittee on Air and Water Pollution of the Committee on Public Works, 91st Congress, Second Session, August 11, 1970.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Public Works.

Presented in this bulletin is the text of the hearing before the Subcommittee on Air and Water Pollution of the Committee on Public Works, United States Senate concerning the "First Annual Environmental Quality Report" of the Council on Environmental Quality. The hearing was held August 11, 1970 for the purpose of providing open discussion of the…

78 FR 58537 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Science.gov (United States)

2013-09-24

... Committee will provide advice and recommendations on initiatives to expand access to banking services by... accounts, financial education strategies, steps to support household savings, mobile financial services... . This service is free and available to anyone with the following systems requirements: http://www.vodium...

Virtues, Vices, and Political Influence in the U.S. Senate.

Science.gov (United States)

ten Brinke, Leanne; Liu, Christopher C; Keltner, Dacher; Srivastava, Sameer B

2016-01-01

What qualities make a political leader more influential or less influential? Philosophers, political scientists, and psychologists have puzzled over this question, positing two opposing routes to political power--one driven by human virtues, such as courage and wisdom, and the other driven by vices, such as Machiavellianism and psychopathy. By coding nonverbal behaviors displayed in political speeches, we assessed the virtues and vices of 151 U.S. senators. We found that virtuous senators became more influential after they assumed leadership roles, whereas senators who displayed behaviors consistent with vices--particularly psychopathy--became no more influential or even less influential after they assumed leadership roles. Our results inform a long-standing debate about the role of morality and ethics in leadership and have important implications for electing effective government officials. Citizens would be wise to consider a candidate's virtue in casting their votes, which might increase the likelihood that elected officials will have genuine concern for their constituents and simultaneously promote cooperation and progress in government. © The Author(s) 2015.

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

International Nuclear Information System (INIS)

1991-01-01

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

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.

Nuclear safety. Summary of the intermediate report of the special joint parliamentary committee on nuclear safety, present and future outlook of the nuclear industry

International Nuclear Information System (INIS)

Birraux, Claude; Bataille, Christian; Sido, Bruno

2011-09-01

Following the Fukushima events, the Parliamentary Office for Scientific and Technological Assessment (OPECST) was officially asked at the end of March 2011 - jointly by the National Assembly Bureau and by the Senate Committee on the economy, sustainable development, territorial and regional planning - to carry out a study on nuclear safety, and the present and future outlook of the nuclear industry. To carry out this study, seven members of the National Assembly economic affairs and sustainable development committees were also involved, as well as eight members of the Senate Committee on the economy, sustainable development, territorial and regional planning. The first part of this study, devoted to nuclear safety, was completed on 30 June 2011 by the publication of an intermediate report. This report assembles and summarises the information collected during six public hearings and seven trips to nuclear sites. France is one of the nuclear countries where the management of safety is both the most demanding and the most transparent. In this respect, the independence of the Safety Authority is the best guarantee of strictness in the safety field and the existence of pluralistic bodies, such as the Local Information Committees, is the best guarantee of the transparency of safety. But no country can pride itself on being totally safe from a natural disaster of an unexpected scale. The French nuclear industry must therefore ratchet up one more notch its investment in safety and strengthen the means of university research. It must imagine events of even greater intensity, cascading accidents, with interactions between neighbouring industrial sites. Investment must be made by placing safety requirements above any economic consideration and in strict compliance with the specifications of public authorities supervising safety. (authors)

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

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

76 FR 71033 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Science.gov (United States)

2011-11-16

... Committee will provide advice and recommendations on initiatives to expand access to banking services by... services for the underserved, including the role of mobile financial services technology in economic... . This service is free and available to anyone with the following systems requirements: http://www.vodium...

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

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

2017-01-01

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

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

77 FR 52031 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Science.gov (United States)

2012-08-28

... Committee will provide advice and recommendations on initiatives to expand access to banking services by... National Survey of Unbanked and Underbanked Households, an update on the Mobile Financial Services... via the Internet at: http://www.vodium.com/goto/fdic/advisorycommittee.asp . This service is free and...

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

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

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

12 CFR 225.109 - “Services” under section 4(c)(1) of Bank Holding Company Act.

Science.gov (United States)

2010-01-01

..., investment counseling”) and in the Committee Report on the later bill (“advertising, public relations... for exemption. The legislative history of the Act, however, as indicated in the relevant portion of... banking subsidiary of the holding company which the legislative history clearly indicates does not come...

Senate hearings whet interest in oil shale

Energy Technology Data Exchange (ETDEWEB)

Remirez, R

1967-06-05

Recent oil shale hearings by the U.S. Senate disclosed the proposed leasing rules for federal oil-shale lands. In addition, Oil Shale Corp. announced that the first commercial shale-oil processing plant would be on stream in 1970. Both these announcements are expected to create a stronger interest in what is possibly the greatest untapped natural wealth in the U.S. According to the leasing rules, development leases would involve the following phases: (1) the contractor would have a 10-yr limit to conduct a research and development program on the leased territory; and (2) upon completion of a successful research program, the Interior Department will make available to lease at least enough land to sustain commercial operation. The terms that applicants will have to meet are included in this report. At the Senate hearing, discussions ranged from opinions indicating that development of oil shale recovery was not immediately necessary to opinions urging rapid development. This report is concluded with a state-of-the-art review of some of the oil shale recovery processes.

77 FR 21773 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Science.gov (United States)

2012-04-11

... Committee will provide advice and recommendations on initiatives to expand access to banking services by... pilot, prepaid cards and mobile financial services. The agenda may be subject to change. Any changes to... . This service is free and available to anyone with the following systems requirements: http://www.vodium...

77 FR 71001 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Science.gov (United States)

2012-11-28

... Committee will provide advice and recommendations on initiatives to expand access to banking services by... and initiatives, and an update on mobile financial services. The agenda may be subject to change. Any... . This service is free and available to anyone with the following systems requirements: http://www.vodium...

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Yuliya Onyshchenko

2015-11-01

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

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

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

Parental Kidnaping and Child Support. Hearing before the Subcommittee on Juvenile Justice of the Committee on the Judiciary. United States Senate, Ninety-Ninth Congress, First Session on Problems of Domestic and International Kidnaping and Child Support Enforcement (July 19, 1985).

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on the Judiciary.

This document presents witness testimonies and prepared statements from the Senate hearing on parental kidnapping and child support. Opening statements are included from Senators Arlen Specter and Mich McConnell. Rebecca Hickman testifies about her experience when her daughter was abducted by the noncustodial father and taken to Iran. Hickman asks…

21 CFR 14.155 - Fees and compensation pertaining to a color additive advisory committee.

Science.gov (United States)

2010-04-01

... 21 Food and Drugs 1 2010-04-01 2010-04-01 false Fees and compensation pertaining to a color additive advisory committee. 14.155 Section 14.155 Food and Drugs FOOD AND DRUG ADMINISTRATION, DEPARTMENT... deposits and fees required by this section are to be paid by money order, bank draft, or certified check...

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.

41 CFR 102-75.235 - May disposal agencies transfer excess property to the Senate, the House of Representatives, and...

Science.gov (United States)

2010-07-01

... transfer excess property to the Senate, the House of Representatives, and the Architect of the Capitol? 102... the Senate, the House of Representatives, and the Architect of the Capitol? Yes, disposal agencies may transfer excess property to the Senate, the House of Representatives, and the Architect of the Capitol and...

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

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

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…

78 FR 48337 - Federal Employees Health Benefits Program: Members of Congress and Congressional Staff

Science.gov (United States)

2013-08-08

... personal staffs, staffs of House and Senate leadership committees, other committee staff and administrative... percentage of work as committee or leadership committee staff. It also is [[Page 48338

National Competitiveness Act of 1993. Report of the Senate Committee on Commerce, Science, and Transportation together with Additional Views on S.4. 103d Congress, 1st Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Commerce, Science, and Transportation.

This report is a recommendation for passage of Senate bill S.4, the National Competitiveness Act of 1993, with an amendment. The purpose of this bill is to promote the industrial competitiveness and economic growth of the United States by strengthening and expanding the civilian technology programs of the Department of Commerce and amending the…

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

Directory of Open Access Journals (Sweden)

Anthony Lukmawijaya

2015-05-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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

Internet Banking integration within the banking system

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2008-01-01

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

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

African Journals Online (AJOL)

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

RESTRUCTURING OF BANKING - CONSEQUENCE TO THE MODERNIZATION OF THE CHANNEL MANAGEMENT

Directory of Open Access Journals (Sweden)

CIURLAU LOREDANA

2012-09-01

Full Text Available Any company, any economic-social system tends to develop and make permanent challenges coming from theenvironment in which there are and who is in a continuous transformation. For the banking system in Romania,adaptation to market requirements of the Union Europe is a challenge, but especially a necessity of maintaining a highstandard of professional development, to meet the competition. Getting a free market, in which "the game" is thecompetition, banks must consider very good ratio of profits that wish to obtain them and risks assumed, this report'smost prestigious efficiency of each banks as single entity or of the entire banking system, as a complex entity.In the context of the international financial crisis, the Romanian banking system can be characterized by acomfortable level of solvency and liquidity, you noticed a deterioration in the quality of assets and of posting a modestprofit as a result of stagnating lending activity.In the context of the implementation in Romania of prudential principles of the new Capital Accord (Basel IIwith regard to the calculation of capital requirements for credit institutions, the adoption of international financialreporting Standards at the consolidated level, as well as of ensuring convergence prudential reporting requirementswith those of financial reporting surveillance purposes, is taking over in the national law of standardized financialreporting framework on a consolidated basis (FINREP issued by the Committee of European banking supervisors(CEBS. It is intended to credit institutions that use accounting standards to IFRS in the preparation of consolidatedfinancial reporting.

Benard C. Rusche nomination. Hearing before the Committee on Energy and Natural Resources, US Senate, Ninety-Eighth Congress, Second Session, May 17, 1984

International Nuclear Information System (INIS)

Anon.

1984-01-01

A hearing on the nomination of Benard C. Rusche to the new position of Director of the Office of Civilian Radioactive Waste Management in DOE began with an introduction and endorsement by Senator Thurmond of South Carolina. Testimony by the nominee emphasized the need to move ahead on radioactive waste disposal and storage arrangements that will provide protection for the environment and the public. His key points included the need for a common framework and an integrated program that would include opportunities for public discussion of all affected parties. He expressed a commitment to responsible and accountable procedures and cooperation with other regulatory agencies

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Aditya Wardhana

2015-09-01

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

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.

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...

Senator Mikulski Notes Exciting Endeavors at ATRF | Poster

Science.gov (United States)

By Andrea Frydl and Kristine Jones, Guest Writers, and Ken Michaels, Staff Writer On October 10, U.S. Senator Barbara Mikulski and Congressman Chris Van Hollen, both from Maryland, toured the Advanced Technology Research Facility (ATRF), accompanied by NCI Director Harold Varmus, Chief Technology Officer Atsuo Kuki, and other FNL leaders. Mikulski toured several Maryland

Is banking supervision central to central banking?

OpenAIRE

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

1997-01-01

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

[The Faculty Handbook: Agreement Between the County of Nassau and the Nassau Community College Faculty Senate.

Science.gov (United States)

Nassau Community Coll., Garden City, NY.

This document presents the agreement between the County of Nassau and the Community College Faculty Senate. The agreement covers definitions, the faculty senate, work year, work week, work day, student advisement, maternity leave, sabbatical leave, leave of absence, outside activities and parttime employment, class size, overload, vacations,…

How the Senate and the President Affect the Timing of Power-sharing Rule Changes in the US House

OpenAIRE

Gisela Sin; Arthur Lupia

2013-01-01

A new model and related empirical work explain how the Senate and President affect the timing of power-sharing rule changes in the US House. We argue that shifts in the Senate's or President's preferences (e.g., a new majority party in the Senate; a new president) reshape House members' expectations about which legislative outcomes are achievable. Reshaped expectations, in turn, can alter House members' perceptions of the consequences of reallocating power among themselves. We prove that such...

Supplying commercial biomedical companies from a human tissue bank in an NHS hospital--a view from personal experience.

Science.gov (United States)

Gray, N; Womack, C; Jack, S J

1999-04-01

NHS histopathology laboratories are well placed to develop banks of surgically removed surplus human tissues to meet the increasing demands of commercial biomedical companies. The ultimate aim could be national network of non-profit making NHS tissue banks conforming to national minimum ethical, legal, and quality standards which could be monitored by local research ethics committees. The Nuffield report on bioethics provides ethical and legal guidance but we believe that the patient should be fully informed and the consent given explicit. Setting up a tissue bank requires enthusiasm, hard work, and determination as well as coordination between professionals in the NHS trust and in the commercial sector. The rewards are exiting new collaborations with commercial biomedical companies which could help secure our future.

A review of the role and remit of the committee on climate change

International Nuclear Information System (INIS)

McGregor, Peter G.; Kim Swales, J.; Winning, Matthew A.

2012-01-01

Domestic action on climate change requires a combination of solutions, in terms of institutions and policy instruments. One way of achieving government carbon policy goals may be the creation of an independent body to advise on, or set, monitor policy. This paper critically assesses the Committee on Climate Change (CCC), which was created in 2008 as an independent body to help move the UK towards a low-carbon economy. We look at the motivation for its creation. In particular we consider its ability to overcome a time-inconsistency problem by comparing it to another independent body, the Monetary Policy Committee of the Bank of England. In practice the CCC appears to be the “inverse” of the Monetary Policy Committee, in that it advises on what the policy goal should be rather than being held responsible for achieving it. The CCC incorporates both advisory and monitoring functions to inform government and achieve a credible carbon policy over a long time frame. This is a similar framework to that adopted by , but the CCC operates on a continuing basis and also incorporates a unique climate change monitoring function. - Highlights: ► Compares Committee on Climate Change with Monetary Policy Committee to solve time-inconsistency. ► No delegation of independent instrument to Committee on Climate Change. ► Committee on Climate Change best viewed as a continuous version of the Stern Report. ► Also additional monitoring function to check government progress on climate change.

Regional Banks in the Russian Banking System

Directory of Open Access Journals (Sweden)

Mikhail Vitalyevich Leonov

2015-06-01

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

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

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

THE EUROPEAN CENTRAL BANK AND THE FEDERAL RESERVE: A COMPARATIVE ANALYSIS

Directory of Open Access Journals (Sweden)

Dorina Clichici

2017-06-01

Full Text Available The purpose of this article is to identify the main differences and similarities between the European Central Bank (ECB and US Federal Reserve (FED in terms of their functional framework and monetary policy. The research is based on a comparative analysis of the history of establishing the Eurosystem and the Federal Reserve System, which has influenced the way these central banks operate today. It also analyzes the policy responses of the two institutions to the 2007 global financial crisis, since both their non-conventional policy measures and the effects thereof on growth, inflation and unemployment rates were slightly different. The paper finds that there are differences between the ECB and FED rather regarding the organization and functioning of the Committees for monetary policy and monetary policy objectives than the institutional structure and policy framework

FRACTIONAL BANKING

OpenAIRE

Maria Klimikova

2010-01-01

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

Under the Influence: The Binge Drinking Epidemic on College Campuses. Hearing before the Committee on Governmental Affairs. United States Senate, One Hundred Seventh Congress, Second Session (May 15, 2002).

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Governmental Affairs.

A hearing was held to explore the problem of binge drinking on campus and to consider possible responses to this problem. Following an opening statement by Senator Joseph Lieberman, a panel of witness who have done research and work in the field gave testimony. These witnesses commented on the problem of binge drinking: (1) Raynard S. Kingston,…

Legislative and political aspects of waste disposal

International Nuclear Information System (INIS)

Freiwald, J.

1982-01-01

In the Senate bill on waste disposal the definition for high-level waste was based on the source of the waste. High-level waste was defined as the liquids and solids resulting from reprocessing. The other terms defined in that bill that are crucial for any legislation dealing with high-level waste are storage and disposal. In the Senate bill, the definition of storage specifically mentioned transuranic (TRU) waste, but it did not include TRU waste in the definition of disposal. In the four House versions of the nuclear waste bill, the definition of high-level waste are addressed more carefully. This paper discusses the following four House committee's versions particularly pointing out how TRU waste is defined and handled: (1) Science Committee bill; (2) Interior Committee bill; (3) Commerce Committee bill; and (4) Armed Service Committee bill. The final language concerning TRU waste will depend on the next series of conference between these Committees. After resolving any differences, conferences will be held between the House and Senate. Here a concensus bill will be developed and it will go to the Rules Committee and then to the floor

77 FR 72247 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

Science.gov (United States)

2012-12-05

... Desk, First Floor, on business days between 9 a.m. and 5 p.m. U.S. Mail, United Parcel Service, Federal Express, or Other Mail Service: The mailing address for comments is: Alfred M. Pollard, General Counsel... Services of the House of Representatives, and the Committee on Banking, Housing and Urban Affairs of the...

Senate, 59-40, defeats move to strike limits on Medicaid abortion coverage.

Science.gov (United States)

1993-10-05

On September 24 1993, the US Senate voted to limit access to abortion services for poor women under Medicaid to cases of rape, incest, or where pregnancy poses a risk to a woman's health. The US House of Representatives had earlier adopted a similar amendment, so now the bill will be sent to the President. The original amendment limited abortion access under Medicaid to only poor women whose life was endangered. Its sponsor proposed to expand coverage to cases of rape and incest based on pragmatic political grounds and knowing that this expansion would include fewer than 100 abortions. Abortion rights groups considered this 1993 expansion of the amendment as a step toward restoring real equity in access to abortion. Nevertheless, like the antiabortion groups, they do not consider it progress. The 5 female Senators vowed to fight to obtain full abortion coverage under Medicaid. The also pointed out to their male colleagues that this amendment discriminates against poor women. Many senators voted for the amendment because they chose the lesser of 2 evils. Many people are concerned that this bill indicates how Congress will treat poor women when health care reform legislation arrives and its concern for all women's right to access to abortion services under government-sponsored programs. More than 40 Senators can clearly see the difference between direct federal funding of abortion and other forms of government involvement. Further, Congress did approve the bill granting federal employees access to abortion services, but it passed by only 1 vote. Abortion rights proponents and abortion opponents should consider these aforementioned facts when preparing for the debate over abortion coverage under health care reform.

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

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

Science.gov (United States)

2010-04-21

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

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

African Journals Online (AJOL)

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

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

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

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

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

Science.gov (United States)

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

2013-01-01

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

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

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

Senate works: law project on the energy policy (first reading); Travaux du Senat: projet de loi d'orientation sur l'energie (premiere lecture)

Energy Technology Data Exchange (ETDEWEB)

NONE

2004-07-01

This synthesis of the Senate works on the law project on the energy policy, comments each article of the law text. It concerns: the energy demand control, the renewable energies, the equilibrium and the quality of the transport and distribution networks of electric power, taxation and financial incentives. (A.L.B.)

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

Monetary Policy Committee and Monetary Policy Conduct in Nigeria: A Preliminary Investigation

OpenAIRE

Ekor, Maxwell; Saka, Jimoh; Adeniyi, Oluwatosin

2014-01-01

The study provides an incisive but preliminary investigation into the activities of the monetary policy committee of the central bank of Nigeria and the implications for monetary policy, using the standard deviation measure of volatility and the ordinary least square method. The findings show that the ‘internal’ members and majority of the ‘external’ members have different preferences as shown in the voting patterns. Also, there has been reduction in inflation, money and stock markets vola...

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

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

THE PECULIARITIES OF STATE MANAGEMENT OF BANKS CAPITALIZATION IN UKRAINE

Directory of Open Access Journals (Sweden)

Yuriy Radelytskyy

2016-11-01

Full Text Available Research subject. The subject in this article is theoretical, methodical and applied aspects of state management of banks’ capitalization in Ukraine, a consideration which allows the estimate efficiency of Ukrainian banks refinancing and recapitalization, as well as to enunciate practical recommendations concerning an increase of their capitalization level. The purpose is an analysis of government support measures for the domestic bank system; furthermore the search for additional sources of financing bank funds and the development of capitalization level increase in conditions of social and economic transformations. Methodology. In the research there are used general scientific methods of learning economic facts and the use of processes in their steady development and correlation: logic analysis, methods of scientific abstraction, induction, deduction, optimization, grouping and comparison, as well as graphic and tabular methods. Results. The questions of government control in the bank system in the period of the world financial crisis is researched on international level by the Financial Stability Council, Basel Committee on Banking Supervision, specialists of the World Bank and International Monetary Fund. As a result of relative novelty of these problems only a small number of researches is devoted to the use of government bank support instruments and therefore further development of this topic has practical value for improving the renewal mechanisms of financial stability and reliability of the bank system in Ukraine. After the analysis of the government control measures of the domestic bank capitalization, since 2009, and the effectiveness of budget resources segregation on refinancing and recapitalization of bank institutions in Ukraine (including crisis period, it was found out that these mechanisms, unfortunately, did not change much the situation on the bank market. Taking into account the unstable political situation in Ukraine and

An Optimal Portfolio and Capital Management Strategy for Basel III Compliant Commercial Banks

Directory of Open Access Journals (Sweden)

Grant E. Muller

2014-01-01

Full Text Available We model a Basel III compliant commercial bank that operates in a financial market consisting of a treasury security, a marketable security, and a loan and we regard the interest rate in the market as being stochastic. We find the investment strategy that maximizes an expected utility of the bank’s asset portfolio at a future date. This entails obtaining formulas for the optimal amounts of bank capital invested in different assets. Based on the optimal investment strategy, we derive a model for the Capital Adequacy Ratio (CAR, which the Basel Committee on Banking Supervision (BCBS introduced as a measure against banks’ susceptibility to failure. Furthermore, we consider the optimal investment strategy subject to a constant CAR at the minimum prescribed level. We derive a formula for the bank’s asset portfolio at constant (minimum CAR value and present numerical simulations on different scenarios. Under the optimal investment strategy, the CAR is above the minimum prescribed level. The value of the asset portfolio is improved if the CAR is at its (constant minimum value.

Letter to Congressional Leaders on Top Defense Management Challenges

National Research Council Canada - National Science Library

2000-01-01

This is in reply to the joint letter of October 12, 2000, from the Chairmen of the Senate Committee on the Budget and Committee on Governmental Affairs, the House Government Reform Committee, House...

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

Science.gov (United States)

2011-09-26

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

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

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

Science.gov (United States)

2010-06-04

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

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

Health Aspects of Adolescent Sex, 1982. Hearing before the Subcommittee on Aging, Family and Human Services of the Committee on Labor and Human Resources. United States Senate, Ninety-Seventh Congress, Second Session on Examination of the Alarming Increase in the Rate of Sexual Relations among Adolescents.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.

These hearings begin with an opening statement by Senator Jeremiah Denton, which highlights the concerns of this hearing and introduces discussion panel participants: the Honorable Gordon J. Humphrey, U.S. Senator from New Hampshire; Herbert Ratner, former public health officer and editor of Child and Family Quarterly; Adele Hofmann, director,…

Research Center Renaming Will Honor Senator Domenici

Science.gov (United States)

2008-05-01

New Mexico Tech and the National Radio Astronomy Observatory (NRAO) will rename the observatory's research center on the New Mexico Tech campus to honor retiring U.S. Senator Pete V. Domenici in a ceremony on May 30. The building that serves as the scientific, technical, and administrative center for the Very Large Array (VLA) and Very Long Baseline Array (VLBA) radio telescopes will be named the "Pete V. Domenici Science Operations Center." The building previously was known simply as the "Array Operations Center." Sen. Pete V. Domenici Sen. Pete V. Domenici "The new name recognizes the strong and effective support for science that has been a hallmark of Senator Domenici's long career in public service," said Dr. Fred Lo, NRAO Director. New Mexico Tech President Daniel H. Lopez said Sen. Domenici has always been a supporter of science and research in Socorro and throughout the state. "He's been a statesman for New Mexico, the nation -- and without exaggeration -- for the world," Lopez said. "Anyone with that track record deserves this recognition." Van Romero, Tech vice president of research and economic development, has served as the university's main lobbyist in Washington, D.C., for more than a decade. He said Sen. Domenici has always been receptive to new ideas and willing to take risks. "Over the years, Sen. Domenici has always had time to listen to our needs and goals," Romero said. "He has served as a champion of New Mexico Tech's causes and we owe him a debt of gratitude for all his efforts over the decades." Originally dedicated in 1988, the center houses offices and laboratories that support VLA and VLBA operations. The center also supports work on the VLA modernization project and on the international Atacama Large Millimeter/submillimeter Array (ALMA) project. Work on ALMA at the Socorro center and at the ALMA Test Facility at the VLA site west of Socorro has focused on developing and testing equipment to be deployed at the ALMA site in Chile's Atacama

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

Science.gov (United States)

2013-06-21

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

Health Insurance: Comparison of Coverage for Federal and Private Sector Employees. Briefing Report to the Chairman, Subcommittee on Civil Service, Post Office, and General Services, Committee on Governmental Affairs, U.S. Senate.

Science.gov (United States)

General Accounting Office, Washington, DC. Div. of Human Resources.

This briefing report was developed to provide a Senate subcommittee with information concerning certain benefit features of the Federal Employees Health Benefits Program (FEHBP). It compares coverage for selected health benefits in the federal and private sectors for a 6-year period (1980-1985). A description of methodology states that information…

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

FINANCIAL PERFORMANCE AND FACTORS INFLUENCING ITS BANKING COMPANIES IN INDONESIA STOCK EXCHANGE

Directory of Open Access Journals (Sweden)

Yolanda

2018-03-01

Full Text Available This study is about the influence of corporate governance on corporate performance in Indonesia. Data from 20 banking companies in Indonesia Stock Exchange for the period of five years 2011-2016 conducted a panel data analysis with modeling by conducting Chow and Hausman tests. The results show that the influence of corporate governance (institutional share ownership, independent comers, audit committee and board of directors, non performing loan and loan to deposit ratio have an effect on company performance measure. in particular, the findings indicate that non performing loans have a negative and significant effect on return on assets, and audit committee variables have a positive and significant impact on return on equity, whereas while non performing loan and loan to deposit ratio have the negative and significant impact on return on equity. Other variables have no significant effect on return on assets and return on equity.

U.S. Senate confirms new USGS director

Science.gov (United States)

Showstack, Randy

Shortly before adjourning in October, the U.S. Senate confirmed Charles Groat as the new director of the U.S. Geological Survey. Interior Secretary Bruce Babbitt is expected to swear him in shortly as the agency's 13th director. Groat takes over from Thomas Casadevall, who has served as acting director since Gordon Eaton resigned in September 1997.Groat, an AGU member, has more than 25 years of experience in the Earth science fields, including energy and minerals resource assessment, groundwater occurrence and protection, geomorphic processes and landform evolution in desert areas, and coastal studies.

Senate works: law project on the energy policy (first reading)

International Nuclear Information System (INIS)

2004-01-01

This synthesis of the Senate works on the law project on the energy policy, comments each article of the law text. It concerns: the energy demand control, the renewable energies, the equilibrium and the quality of the transport and distribution networks of electric power, taxation and financial incentives. (A.L.B.)

A CBO Paper: Evaluating and Accounting for Federal Investment in Corporate Stocks and Other Private Securities

National Research Council Canada - National Science Library

2003-01-01

.... This Congressional Budget Office (CBO) paper prepared at the request of Senator Pete V. Domenici, in his capacity as Chairman of the Senate Budget Committee-discusses the key effects of such investment on the U.S...

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Senate works: law project on the energy policy (first reading); Travaux du Senat: projet de loi d'orientation sur l'energie (premiere lecture)

Energy Technology Data Exchange (ETDEWEB)

NONE

2004-07-01

This synthesis of the Senate works on the law project on the energy policy, comments each article of the law text. It concerns: the energy demand control, the renewable energies, the equilibrium and the quality of the transport and distribution networks of electric power, taxation and financial incentives. (A.L.B.)

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

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

S. 335, the Emerging Telecommunications Technologies Act of 1993. Hearing before the Subcommittee on Communications of the Committee on Commerce, Science, and Transportation. United States Senate, One Hundred Third Congress, First Session.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Commerce, Science, and Transportation.

A hearing was held on Senate Bill 335, the Emerging Telecommunications Technologies Act of 1993, a bill that requires the federal government to transfer 200 megahertz of spectrum to the Federal Communications Commission (FCC) for new technologies. Integral to this measure, a bipartisan effort, is a provision that will allow the FCC to use…

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

Science.gov (United States)

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

2007-01-01

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

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

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

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

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

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

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

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

Size & Flow: Adult Education Issues in the Senate Immigration Bill

Science.gov (United States)

Murphy, Garrett; Spangenberg, Gail

2014-01-01

In this essay Garrett Murphy and Gail Spangenberg report on the need for understanding better than in the past, the number of undocumented immigrants likely to need adult education services under provisions of Senate Immigration Bill S.744. The essay looks at why the issues of "size and flow" are important for planners, providers, and…

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

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

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

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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Nani Hartati

2017-11-01

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

GenBank

OpenAIRE

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

2006-01-01

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

78 FR 69991 - Advisory Committee; Veterinary Medicine Advisory Committee; Termination

Science.gov (United States)

2013-11-22

.... FDA-2013-N-1380] Advisory Committee; Veterinary Medicine Advisory Committee; Termination AGENCY: Food... announcing the termination of the Veterinary Medicine Advisory Committee. This document removes the Veterinary Advisory Committee from the Agency's list of standing advisory committees. DATES: This rule is...

Strategic positioning in banking industry: Evidence from banking industry

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Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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.

Central Bank Communication Affects the Term-Structure of Interest Rates

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Fernando Chague

2015-06-01

Full Text Available We empirically analyze how the Brazilian Central Bank (BCB communication affects the term structure of future interest rates. Using principal components analysis, we construct a measure of the Monetary Policy Committee Minutes content that reflects policy makers optimism about the economic conditions. We call this measure the Optimism Factor (OF. When policy makers are more optimistic, reflected by increments in the OF, markets expectations respond and long-term future interest rates drop. Furthermore, when policy makers are pessimistic, reflected by a decrease in the OF, volatility on future interest rates increases. Our result indicates that policy maker communication has an effective impact on market expectations.

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

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

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

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

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

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

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Yaser Taufik Syamlan

2017-06-01

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

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

Directory of Open Access Journals (Sweden)

Jeroen Klomp

2015-12-01

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

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

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Yen Sun

2011-11-01

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

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

Directory of Open Access Journals (Sweden)

Muhammad Shakil AHMAD

2011-01-01

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

Gender, Succession and Dynastic Politics: The Saga of Senate and ...

African Journals Online (AJOL)

Similarly it depicts the multiple of feuds within the Lesotho Kingdom. Indeed the story provides many other glimpses into the period of Senate's life. In the process Motšoene, who was meant to weld the nation together, became instead a cruel victim of the chimeric social experiment by Moshoeshoe I, founder of the nation ...

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.

Members of the Science and Technology Commission, Spanish Senate visit ATLAS

CERN Multimedia

Maximilien Brice

2002-01-01

Photo 01: Members of the Science and Technology Commission, Spanish Senate, in front of a barrel toroid cryostat vessel in the ATLAS assembly hall. The air-core ATLAS barrel toroid magnet system will consist of eight large superconducting coils, each in its own vacuum vessel, built by Spanish company Felguera Construcciones Mecanicas SA under the responsibility of IFAE (Institute for High Energy Physics), Barcelona. Standing (left to right): Dr Peter Jenni, ATLAS spokesperson; Dr Manuel Aguilar-Benitez, delegate for Spain to CERN Council; Mrs Mercedes Senen, Lawyer of the Commission; Mr Alonso Arroyo, President of the Commission; Mr Ramon Antonio Socias, Second Vice-President of the Commission; Mr Francisco Xabier Albistur, Senator; H.E. Mr Joaquin Pérez-Villaneuva Y Tovar, Ambassador, Permanent Representative of Spain to the Office of the United Nations in Geneva and other international organisations in Switzerland, Spanish delegate to CERN Council; and Miguel Gomez. Seated (left to right): Mr Adolfo Abejon...

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’

Imperial Senate: American Legislative Debates on Empire, 1898-1917

Science.gov (United States)

2013-09-01

University Press of Kansas, 1980), 19; Edmund Morris , Theodore Rex (New York: Random House, 2001), 479–80. 118 31 Cong. Rec. 3976 (16 April 1898...mid-paragraph Senator Mason abruptly requested unanimous consent for a vote on McEnery’s resolution and amendments the following Tuesday afternoon...libweb.hawaii.edu/digicoll/annexation/annexation.html. Morris , Edmund. Theodore Rex. New York: Random House, 2001. Musicant, Ivan. Empire by

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

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ELENA SILVIA DINCULESCU

2010-01-01

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

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

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Pooja MALHOTRA

2009-11-01

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

Prevalence and Risk Factors of Hypertension among Bank Employees in Urban Puducherry, India

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S Ganesh Kumar

2014-04-01

Full Text Available Background: There is paucity of information on the prevalence of hypertension and its risk factors among bank employees at global level. Objective: To assess the prevalence and risk factors of hypertension among bank employees in Puducherry, India. Methods: A cross-sectional study was conducted on 192 (128 male and 64 female bank employees from 12 nationalized banks in urban Puducherry, India. Blood pressure was measured and classified according to the Joint National Committee (JNC VII criteria. Data on risk factors of hypertension, including consumption of extra salt while dining, eating high-salt food, junk food, servings of fruits and vegetables, smoking, alcohol use, physical activity, and body mass index, were obtained for each participant using a standard questionnaire. Stress level was assessed by Cohen's Perceived Stress scale. Data was analyzed by Chi-square test and multiple logistic regression analysis. Results: The mean±SD age of the participants was 39.5±10.6 years. The prevalence of hypertension and pre-hypertension was 44.3% (95% CI: 37.2%–51.3% and 41.1% (95% CI: 34.1%–48.1%, respectively. Of 85 participants with hypertension, 47 (55% was known case and 38 (45% were newly diagnosed. Multiple logistic regression analysis revealed that living in the 4th (OR: 3.13 or 6th (OR: 3.11 decade of life, consumption of extra salt (OR: 2.49, and physical activity ≥2 hours per day (OR: 0.21 were associated with hypertension among bank employees. Conclusion: Prevalence of hypertension is high among bank employees. There is a need for strengthening adoption of certain interventional measures in lifestyle such as reducing salt intake and promoting physical activity among this vulnerable group.

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

Directory of Open Access Journals (Sweden)

Selly Maulina

2016-12-01

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

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

Statement of Aaron Cohen, Director, Research and Engineering, Johnson Space Center and Chairman, Space Station Advanced Technology Advisory Committee, National Aeronautics and Space Administration, before the Subcommittee on Science, Technology, and Space, Committee on Commerce, Science, and Transportation, United States Senate

Science.gov (United States)

Cohen, A.

1985-01-01

The activities of NASA's Space Station Advanced Technology Advisory Committee is discussed. Advanced Technology Advisory Committee (ATAC) activities over the last year are reviewed in preparation of the report to Congress on the potential for advancing automation and robotics technology for the space station and for the U.S. economy.

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

Directory of Open Access Journals (Sweden)

Farhan Ahmed

2018-01-01

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

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

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Dr. Irwan Ch

2017-06-01

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

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

Missouri Public School Administrators' Perceived Effectiveness of Senate Bill No. 75

Science.gov (United States)

Steele, Joby B.

2016-01-01

In this quantitative study, the perceptions of safety and preparedness of Missouri's high school administrators after participating in active shooter training as mandated by Missouri's Senate Bill No. 75 were analyzed. As school shootings continue, states have passed legislation to prepare schools to provide safety for students and faculty members…

Recent developments: Washington focus

International Nuclear Information System (INIS)

Anon.

1990-01-01

Congress continued to work on the budget during April with small breaks to attend Earth Day activities to acknowledge the public's growing environmental conscience. The House Budget Committee once again raised to 100 percent the portion of the Nuclear Regulatory Commission's (NRC) budget to be funded through user fees. However, the Senate Budget Committee authorized continuation of the current 45-percent user fee funding. The full House approved the budget resolution on May 1. The Senate may act sometime in May

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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

75 FR 49931 - Filing Dates for the Illinois Senate Special Election

Science.gov (United States)

2010-08-16

... date for each report). Note that these reports are in addition to the campaign committee's quarterly filings. Unauthorized Committees (PACs and Party Committees) Political committees filing on a quarterly... and Leadership PACs that are otherwise required to file reports in connection with the special...

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

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Anamika Singh

2016-06-01

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

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

Directory of Open Access Journals (Sweden)

Mansor H. Ibrahim

2017-02-01

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

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

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

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

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

Science.gov (United States)

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

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Nsiah K. Acheampong

2013-12-01

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

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

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

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

Directory of Open Access Journals (Sweden)

Rossazana Ab-Rahim

2017-08-01

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

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

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Shijaku Gerti

2017-09-01

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

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

Directory of Open Access Journals (Sweden)

Sarwar Uddin Ahmed

2014-11-01

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

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...

AGU Committees

Science.gov (United States)

Administrative Committees are responsible for those functions required for the overall performance or well-being of AGU as an organization. These committees are Audit and Legal Affairs, Budget and Finance*, Development, Nominations*, Planning, Statutes and Bylaws*, Tellers.Operating Committees are responsible for the policy direction and operational oversight of AGU's primary programs. The Operating Committees are Education and Human Resources, Fellows*, Information Technology, International Participation*, Meetings, Public Affairs, Public Information, Publications*.

Banking governance: New Approaches

Directory of Open Access Journals (Sweden)

Victor Mihăiţă Duţă

2016-11-01

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

BANKING WITHOUT INTEREST

Directory of Open Access Journals (Sweden)

Jana Ilieva

2017-06-01

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

75 FR 44964 - Filing Dates for the West Virginia Senate Special Election

Science.gov (United States)

2010-07-30

... that these reports are in addition to the campaign committee's quarterly filings due in October 2010... (PACs and Party Committees) Political committees filing on a quarterly basis in 2010 are subject to... committees, party committees and Leadership PACs that are otherwise required to file reports in connection...

76 FR 21786 - National Women's Business Council

Science.gov (United States)

2011-04-18

... SMALL BUSINESS ADMINISTRATION National Women's Business Council AGENCY: U.S. Small Business... Business Council (NWBC). The meeting will be open to the public. DATES: The meeting will be held on April... Russell Senate Office Building (U.S. Senate Committee on Small Business and Entrepreneurship), Washington...

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

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

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

NARCIS (Netherlands)

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

2010-01-01

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

Small finance banks: Challenges

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Jayadev M

2017-12-01

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

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

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

Pengelolaan Likuiditas Bank Syariah

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Nurul Ichsan

2014-01-01

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

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

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

77 FR 32639 - HIT Standards Committee and HIT Policy Committee; Call for Nominations

Science.gov (United States)

2012-06-01

... DEPARTMENT OF HEALTH AND HUMAN SERVICES HIT Standards Committee and HIT Policy Committee; Call for... Health Information Technology Policy Committee (HITPC). Name of Committees: HIT Standards Committee and HIT Policy Committee. General Function of the Committees: The HITSC is charged to provide...

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

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

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

Excerpts from the January 1993 Senate Report: The Valour and the Horror.

Science.gov (United States)

Kirman, Joseph M.

1994-01-01

Provides an overview of the Canadian Senate report on the Canadian Broadcasting Corporation's (CBC) documentary, "The Valour and the Horror." Includes quotes from official hearings regarding the historical accuracy of the documentary film. Concludes that the CBC was not controlled adequately by its board of directors. (CFR)

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

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

GenBank

OpenAIRE

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

2012-01-01

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

Ecstasy Use Rises: What More Needs To Be Done by the Government To Combat the Problem? Hearing before the Committee on Governmental Affairs, United States Senate, One Hundred Seventh Congress, First Session (July 30, 2001).

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Governmental Affairs.

This document presents witness testimonies addressing the growing problem of Ecstasy use among American youth. All accounts point to the fact that youth are increasingly experimenting with the drug and experiencing seizures and other adverse affects at an alarming rate. Opening statements from Senators Lieberman, Bunning, and Akaka related the…

Recent developments: Washington focus

International Nuclear Information System (INIS)

Anon.

1990-01-01

Recent weeks have seen considerable Congressional activity on uranium enrichment legislation. On August 2, the Senate passed the Energy ampersand Water Development Appropriations Bill, which funds the DOE and NRC programs. A conference committee must be convened to work out the differences between the House and Senate versions of the Bill. The House Science, Space and Technology subcommittee held one hearing, and also a markup of HR 2480, the House bill to restructure the uranium enrichment program as a government corporation. Also in the House of Representatives, subcommittees of the Energy and Commerce Committee, and the Interior and Insular Affairs Committee held a joint hearing on the Smith Barney report on DOE restructuring. Lastly, the USCEA's Nuclear Fuel Supply Committee met in San Francisco near the end of July

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

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

ROMANIAN BANKS LIQUIDITY MANAGEMENT

Directory of Open Access Journals (Sweden)

BATRANCEA MARIA

2013-07-01

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

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

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Jayati Sarkar

2018-02-01

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

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

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

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

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

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

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

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

OpenAIRE

Makosana, Musa

2014-01-01

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

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

Science.gov (United States)

2011-07-27

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

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

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

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

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

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

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

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

GenBank

OpenAIRE

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

2008-01-01

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

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

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

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

BANKING UNION - ROMANIAN PERSPECTIVE

Directory of Open Access Journals (Sweden)

Coroiu Sorina Ioana

2015-07-01

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

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

Directory of Open Access Journals (Sweden)

El Mehdi Ferrouhi

2014-12-01

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

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

OpenAIRE

Uddin, Md Akther

2015-01-01

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

12 CFR 272.1 - Authority.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Authority. 272.1 Section 272.1 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) FEDERAL OPEN MARKET COMMITTEE RULES OF PROCEDURE § 272.1 Authority. This part is issued by the Federal Open Market Committee (the Committee) pursuant to the...

Ethical, legal and practical issues of establishing an adipose stem cell bank for research.

Science.gov (United States)

West, C C; Murray, I R; González, Z N; Hindle, P; Hay, D C; Stewart, K J; Péault, B

2014-06-01

Access to human tissue is critical to medical research, however the laws and regulations surrounding gaining ethical and legal access to tissue are often poorly understood. Recently, there has been a huge increase in the interest surrounding the therapeutic application of adipose tissue, and adipose-derived stem cells. To facilitate our own research interests and possibly assist our local colleagues and collaborators, we established a Research Tissue Bank (RTB) to collect, store and distribute human adipose tissue derived cells with all the appropriate ethical approval for subsequent downstream research. Here we examine the legal, ethical and practical issues relating to the banking of adipose tissue for research in the UK, and discuss relevant international guidelines and policies. We also share our experiences of establishing an RTB including the necessary infrastructure and the submission of an application to a Research Ethics Committee (REC). Copyright © 2014 British Association of Plastic, Reconstructive and Aesthetic Surgeons. Published by Elsevier Ltd. All rights reserved.

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

Directory of Open Access Journals (Sweden)

Suleyman Degirmen

2015-08-01

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

The Double-entry Bookkeeping Committee of 1914 and the Brazilian Public Accounting System

Directory of Open Access Journals (Sweden)

Tiago Villac Adde

2014-12-01

Full Text Available The history of Brazilian accounting has not been explored at length. Through a historical survey, this article presents the history of the Double-entry Bookkeeping Committee of 1914. After the Proclamation of the Republic was announced in 1889, the government started to expand its administrative bodies, necessitating the introduction of a bureaucracy able to perform new functions. In the same period, Brazil experienced a strong economic development with the development of its coffee industry. In 1905, under the leadership of Carlos de Carvalho, São Paulo State Treasury bookkeeping tasks were introduced under a double-entry bookkeeping system and through accrual and financial accounting. Double-entry bookkeeping practices in the federal public accounting system, although enshrined in law since 1808, were only fully realized after the creation of the Double-entry Bookkeeping Committee in 1914. In that same year, due to the negotiation of a second funding loan, English creditor bank auditors requested a balance of the National Treasury from the Minister of Finance Rivadávia Corrêa. Because the balance had not been prepared in eight years, the Double-entry Bookkeeping Committee was established in June of 1914, and this body completed a technical audit of Revenues and Expenditures. The committee also conducted the state administration's first Asset and Liability audit since the colonial era. The Double-entry Bookkeeping Committee of 1914 spearheaded changes to the Brazilian public accounting system, including the creation of the Public Accounting Code in 1922 and the approval of Central Accounting Office of the Republic regulation in 1924, strengthening and ascribing perpetuity to practices adopted after 1914.

The rejection of the comprehensive nuclear test ban treaty by the US Senate: a reverse for the nuclear arms control?

International Nuclear Information System (INIS)

Sitt, B.

2000-01-01

On October 13, 1999, after a hasty debate, the US Senate rejected the comprehensive nuclear test ban treaty (CTBT) signed 3 years ago. This article analyses this event with respect to the US domestic context (discussions at the Senate, reaction of the Presidency) and with respect to the international context (international reactions, future of the treaty, consequences on arms control policy). (J.S.)

11 CFR 100.14 - State committee, subordinate committee, district, or local committee (2 U.S.C. 431(15)).

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false State committee, subordinate committee, district, or local committee (2 U.S.C. 431(15)). 100.14 Section 100.14 Federal Elections FEDERAL ELECTION COMMISSION GENERAL SCOPE AND DEFINITIONS (2 U.S.C. 431) General Definitions § 100.14 State committee...

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

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

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

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

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

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

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

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

Alzheimer's Disease and Related Dementias. Hearing before the Subcommittee on Aging of the Committee on Labor and Human Resources. United States Senate, Ninety-Ninth Congress, Second Session on Review of Health Care Services Available for People with Alzheimer's Disease and Related Dementia and To Review Proposals Related to the Treatment of Alzheimer's Disease.

Science.gov (United States)

Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.

A Senate hearing reviewing health care services available for people with Alzheimer's disease and related dementia and reviewing proposals related to the treatment of Alzheimer's disease is presented in this document. Statements are given by Senators Charles E. Grassley, Albert Gore, Paula Hawkins, Howard M. Metzenbaum, Larry Pressler, and Paul…

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

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

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

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

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

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

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Yusnaini -

2012-03-01

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

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

African Journals Online (AJOL)

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

History of the Joint Chiefs of Staff. Volume 5. The Joint Chiefs of Staff and National Policy, 1953-1954

Science.gov (United States)

1986-01-01

introduced in 1955.*• When the budget reached the Senate Appropriations Committee, Senator Bumet R. Maybank of South Carolina, dit turned by rumorj...Matador missile: 179, 185, 299 Mathewson, Lt. Gen. Lemuel, USA: 104, 172 Matsu Island: 261, 266 Maybank , Burnet R.: 69 Mediterranean Sea: 2, 294, 322

Defense.gov Special Report: Fiscal Budget

Science.gov (United States)

Department of Defense Submit Search 2012 Fiscal Budget Published Feb. 15, 2011 Top Stories Commanders Cite Department is losing billions of dollars by Congress' failure to pass the department's fiscal 2011 budget . Gates told a Senate committee. Story Gates, Mullen Take Budget to Senate WASHINGTON, Feb. 17, 2011 - The

Bank Syariah Sebagai Alternatif

Directory of Open Access Journals (Sweden)

Adang Sudjana

2003-03-01

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

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

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

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

Directory of Open Access Journals (Sweden)

Lidiyawati Lidiyawati

2015-05-01

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

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

Science.gov (United States)

2013-06-07

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

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

ALINA LIGIA DUMITRESCU

2014-11-01

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

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

Directory of Open Access Journals (Sweden)

Memdani Laila

2017-08-01

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

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

Science.gov (United States)

2010-01-01

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

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

NARCIS (Netherlands)

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

2009-01-01

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

GenBank

Data.gov (United States)

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

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.

15th December 2010 - Legislative Leadership Institute Academy of Foreign Affairs Wisconsin, United States of America visiting the CMS undergorund area and LHC tunnel at Point 5 with Deputy Collaboration Spokesperson J. Incandela and Head of International Relations F. Pauss.

CERN Multimedia

Maximilien Brice

2010-01-01

Delegation list: Kenneth V. Cockrel, Jr, President, Detroit City Council, United States of America Mr Tim Day, Chairman, Board of Trustees, LLIAFA Christopher Heaton Harris, House of Commons, Kingdom of Great Britain and Northern Ireland Senator W. Briggs Hopson, III, Mississippi State Senate, United States of America Senator Aloisea Inyumba, Republic of Rwanda Deputy Francis Kaboneka, Parliament, Republic of Rwanda Raymond O'Dwyer, County Manager, Waterford, Republic of Ireland Senator John Pippy,Pennsylvania State Legislature, United States of America Senator Jim Walsh, Seanad Éireann, Republic of Ireland Senator Roderick D. Wright, Chairman, Governmental Organization Committee, California State Senate, United States of America Mrs Amy Polasky,President, LLIAFA Mrs Cate Zeuske, Vice President, LLIAFA Mr David Steffen, Staff, LLIAFA Dr Sybille Ambühl Switzerland Official Guide Mr Doug Jenkins Security Detail (US)

Banking and Trading

NARCIS (Netherlands)

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

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

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

India-Pakistan nuclear issues. Hearing before the Committee on Foreign Relations, United States Senate, Ninety-Sixth Congress, second session March 18, 1980

International Nuclear Information System (INIS)

Anon.

1980-01-01

The proceedings of Hearings on nuclear issues between the US, India and Pakistan are included in this volume. The committee wants to explore with the administration precisely where matters stand with India and Pakistan on nuclear issues, what policy alternatives the administration may be considering with respect to those issues, and how the administration intends to relate its actions on nuclear matters to other US foreign policy issues

77 FR 27832 - Shipping Coordinating Committee; Notice of Committee Meeting

Science.gov (United States)

2012-05-11

... organizations --Relations with non-governmental organizations --World Maritime Day --International Maritime... DEPARTMENT OF STATE [Public Notice: 7879] Shipping Coordinating Committee; Notice of Committee...-second Session of the International Maritime Organization (IMO) Technical Co-operation Committee (TCC 62...

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

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

Evaluation of knowledge about irradiated foods by Food Banks in Brazil: Dissemination of irradiation in foods

International Nuclear Information System (INIS)

Sagretti, Juliana M.A.; Sabato, Susy F.

2017-01-01

Despite the poverty in the world, part of all food produced in the world is wasted. The contrast of high food production in the world with hunger, food insecurity and food waste points to the need for combined action and the use of technologies as a solution to combat and eradicate hunger and food waste. Food banks have sprung up worldwide receiving food surpluses and passing on to the needy. These have been encouraged by the ONU - United Nations Organization, however, the lack of quality assurance of these foods already in the food bank has restricted the desired shipment. In this sense, ionizing radiation applied in food brought many positive results, such as increased validity and control insect infestation. So, the aim of this study was to initiate a partnership between irradiation and the food bank through the development of a questionnaire to evaluate the knowledge and acceptance of individuals in the food bank in Brazil. In addition, this study aimed to standardize a basis questionnaire for future research assessment of irradiated foods and disseminate irradiated food. For the construction of the questionnaire as a measuring instrument, a comprehensive and rigorous literature review was made. The questionnaire as a measurement instrument was submitted to the research ethics committee and approved. As a result, the questionnaire has three parts, personal issues, assertive issues and questions of multiple choices and finally an informative question with video. The questionnaire was applied in Ceagesp food bank in the biggest center of food in Brazil. (author)

Evaluation of knowledge about irradiated foods by Food Banks in Brazil: Dissemination of irradiation in foods

Energy Technology Data Exchange (ETDEWEB)

Sagretti, Juliana M.A.; Sabato, Susy F.

2017-07-01

Despite the poverty in the world, part of all food produced in the world is wasted. The contrast of high food production in the world with hunger, food insecurity and food waste points to the need for combined action and the use of technologies as a solution to combat and eradicate hunger and food waste. Food banks have sprung up worldwide receiving food surpluses and passing on to the needy. These have been encouraged by the ONU - United Nations Organization, however, the lack of quality assurance of these foods already in the food bank has restricted the desired shipment. In this sense, ionizing radiation applied in food brought many positive results, such as increased validity and control insect infestation. So, the aim of this study was to initiate a partnership between irradiation and the food bank through the development of a questionnaire to evaluate the knowledge and acceptance of individuals in the food bank in Brazil. In addition, this study aimed to standardize a basis questionnaire for future research assessment of irradiated foods and disseminate irradiated food. For the construction of the questionnaire as a measuring instrument, a comprehensive and rigorous literature review was made. The questionnaire as a measurement instrument was submitted to the research ethics committee and approved. As a result, the questionnaire has three parts, personal issues, assertive issues and questions of multiple choices and finally an informative question with video. The questionnaire was applied in Ceagesp food bank in the biggest center of food in Brazil. (author)

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

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Ihsan Isik

2016-04-01

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

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

Directory of Open Access Journals (Sweden)

Habbar Abderezak, Dr.

2014-06-01

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

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

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Ali Rezaeian

2018-03-01

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

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

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

Adopting Internet Banking in Ghana

OpenAIRE

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

2013-01-01

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

Commercial Activity or Banking Competition?

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Rose-Marie Pușcaciu

2015-12-01

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

78 FR 32698 - Shipping Coordinating Committee; Notice of Committee Meeting

Science.gov (United States)

2013-05-31

... DEPARTMENT OF STATE [Public Notice 8340] Shipping Coordinating Committee; Notice of Committee... Technical Co-operation Committee --Protection of vital shipping lanes --Periodic review of administrative... of the Organization since the twenty-eighth regular session of the Assembly --External relations...

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

Science.gov (United States)

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

2018-06-01

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

Present but Not Counted: The Tenuous Position of Academic Board Chairs within Contemporary University Governance

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