WorldWideScience

Sample records for spoil bank impacts

  1. Protective-decorative revegetation of spoil banks in the Donbass

    Energy Technology Data Exchange (ETDEWEB)

    Baklanov, V.I.; Podkopaev, A.A.

    1985-05-01

    Spoil bank reclamation in the Donbass is discussed, where there were 1195 spoil banks from underground coal mines in 1984, 80% of which were conic shaped. The average spoil bank was 60 to 80 m high, base surface was 4.2 ha, volume amounted to 1,144,000 mT. Ninety-five spoil banks were situated in cities or towns and were a source of environmental pollution. Reclamation of a spoil bank in the No 6/14 coal mine in the Makeevugol' association is analyzed. Buildup of the spoil bank started in 1930. The spoil bank was 72 m high, its base was 8.05 ha large, slopes were inclined at 25 to 36 degrees, volume of material amounted to 2.2 million mT. From 1973 to 1978 shape of the spoil bank was changed: its height was reduced to 40 m, slope inclination was reduced to 25 degrees. Spontaneous combustion was controlled by changing spoil bank shape. Slopes were divided into a number of terraces. The spoil bank was covered with a 0.3 m thick soil cover suitable for vegetation. Sainfoin (Onobrychis) was sown on leveled zones of the spoil bank and false acacia (Robinia pseudoacacia) was planted on the terraces. Plant growth in the first and second years was satisfactory.

  2. New possibilities for slope stability assessment of spoil banks

    Energy Technology Data Exchange (ETDEWEB)

    Radl, A [Palivovy Kombinat, Vresova (Czechoslovakia)

    1991-03-01

    Discusses problems associated with slope stability of spoil banks consisting of sedimentary rocks from brown coal surface mining. Effects of rock physical properties on slope stability are analyzed: grain size distribution, compression strength, moisture content, angle of internal friction, etc. Mechanism of plastic slope deformation which occurs during a landslide is evaluated. Formulae for calculating slope stability considering stress distribution in a spoil bank (including all the main factors that influence stresses) are derived. Practical use of the gamma-gamma logging and logging schemes used in geodetic surveys of unstable spoil banks in Czechoslovakia (the Vintirov spoil bank in the Sokolov brown coal district) are discussed. 5 refs.

  3. Utilizing sediments from biological waste water treatment for spraying spoil banks

    Energy Technology Data Exchange (ETDEWEB)

    Bobrov, O G; Zaitsev, Yu S; Kessariiskii, Yu V

    1985-04-01

    Use of anaerobic sludge for prevention of spontaneous combustion of spoil banks consisting of coal and mine stones from underground coal mines and effects of sludge treatment on soil properties which influence spoil bank reclamation are discussed. Sludge from water treatment rich in organic matter (50 to 60%), nitrogen (2 to 5%), phosphorus anhydride (up to 2%), calcium oxide (up to 5%) and humus was used in the Donbass. A spoil bank consisted of sedimentary rocks (sandstones, limestones, shales, clays, mudstone) and coal (size 0 to 200 mm). Coal content ranged from 7-13%, sulfur content amounted to about 5%. Content of coal, sulfur and timber exceeded 20%. The spoil bank was treated with sludge suspension in water. Evaluations showed that the sludge treatment improved soil properties which influenced spoil bank reclamation. Humus content increased 7 to 16 times, content of nitrogen trioxide and phosphorus anhydride increased 10 to 50 times. Chemical activity of rocks forming the spoil bank declined 20 to 25%. Hazards of coal spontaneous combustion decreased. The results of investigations are shown in a table.

  4. The development of arbuscular mycorrhiza in two simulated stages of spoil-bank succession

    Czech Academy of Sciences Publication Activity Database

    Püschel, David; Rydlová, Jana; Vosátka, Miroslav

    2007-01-01

    Roč. 35, č. 2 (2007), s. 363-369 ISSN 0929-1393 R&D Projects: GA ČR GA526/04/0996; GA ČR(CZ) GD206/03/H137 Institutional research plan: CEZ:AV0Z60050516 Keywords : mycorrhiza * plant succession * spoil bank s Subject RIV: EF - Botanics Impact factor: 1.810, year: 2007

  5. Erodibility of surface-mine spoil banks in southeastern Ohio : an approximation

    Energy Technology Data Exchange (ETDEWEB)

    McKenzie, C D; Studlick, J R.J.

    1979-07-01

    Measurements of accumulated sediment in inter-bank basins of unreclaimed strip mines determined the average annual site loss from unvegetated, 18-year-old spoil banks. Assuming that the universal soil loss equation (USLE) can be used to estimate sediment yield from strip mine slopes, the topographic factor in the USLE was determined in 2 ways, and values for erodibility well calculated. The technique is applicable to unreclaimed mines where inter-bank basins trap all slope-derived sediment.

  6. Forest-biological erosion control on coal-mine spoil banks in Bulgaria

    International Nuclear Information System (INIS)

    Haigh, M.J.; Gentcheva-Kostadinova, S.; Zheleva, E.

    1995-01-01

    The forest fallowing of coal-mine spoils helps re-establish the processes of natural, self-sustaining, soil formation. Environmental monitoring in Bulgaria demonstrates that forestation can moderate soil pH (from ph> 3.0 to pH 1.3 g/cm 3 in the 0-5 cm layer) in the case of coal briquette spoils at Pernik, near Sofia. Ground losses from forested, 16-17 degree slope, coal briquette-spoils at Pernik are a quarter of those from an entirely unvegetated section of the same embankment (48.5 vs 12. 1 mm in the period 1988-1994) despite the absence of ground cover beneath the trees. On lignite spoil banks, at Maritsa-Iztok, central Bulgaria, forestation increases the organic content of the soil to greater depths than revegetation with grass, and to a greater degree than conventional agricultural cultivation. On Pinus nigra forested crest sites at Pernik, and in Robinia pseudacacia forested groves on the lignite minespoil banks at Maritsa-Iztok, slopes showed ground advance rather than ground retreat. Slopes protected by mechanical means alone did not allow soil growth and, where the structure broke down, they suffered as much erosion as untreated sites. In sum, the forest fallowing of surface coal-mine disturbed land accelerates organic matter accumulation in the soil, helps improve soil structure, reduces erosion, and may transform soil loss into soil gain, even on steeply sloping sites. 17 refs., 3 figs., 1 tab

  7. Associations of dominant plant species with arbuscular mycorrhizal fungi during vegetation development on coal mine spoil banks

    Energy Technology Data Exchange (ETDEWEB)

    Rydlova, J.; Vosatka, M. [Academy of Science. Pruhonice (Czech Republic). Inst. of Botany

    2001-07-01

    Among plants colonizing mine spoil banks in Northern Bohemia the first colonizers, mainly ruderal annuals from Chenopodiaceae and Brassicaceae were found not to be associated with arbuscular mycorrhizal fungi (AMF). These species cultivated in pots with soil from four sites in different succession stages of the spoil bank did not respond to the presence of native or non-native AMF. All grass species studied (Elytrigia repens, Calamagrostis epigejos and Arrhenatherum elatius) were found moderately colonized in the field. Carduus acanthoides was found to be highly colonized in the field; however, it did not show growth response to AMF in the pot experiment. The AMF native in four sites on the spoil banks showed high infectivity but low effectiveness in association with colonizing plants compared to the non-native isolate G. fistulosum BEG23. In general, dependence on AMF in the cultivation experiment was rather low, regardless of the fact that plants were found to be associated with AMF either in the field or in pots. Occurrence and effectiveness of mycorrhizal associations might relate primarily to the mycotrophic status of each plant species rather than to the age of the spoil bank sites studied.

  8. Guide for calculating the stability of mine berms and spoil bank slopes in the Maritsa-Iztok coal basin

    Energy Technology Data Exchange (ETDEWEB)

    Georgiev, G; Todorova, M; Doneva, V; Novachkov, N; Nedyalkov, N; Mitev, A; Rachev, R

    1984-08-01

    Major landslides are described which occurred in the basin between 1963 and 1970 during overburden removal and formation of spoil banks. Guidelines for the prevention of landslides were developed on the basis of large scale studies of geomechanics, geostatic calculations and geodetic observations of slope behavior; no further landslide has occurred since 1970. Cohesion coefficients, angle of internal friction and shear properties were determined for each material occurring in the clayey and sandy overburden and for the coal (ash content 15-55%). Slope stability of working benches and spoil banks at the Troyanovo mines was then calculated. 8 references.

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

    International Nuclear Information System (INIS)

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

    1997-01-01

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

  10. Spoil dump design and rehabilitation management practices (Australia)

    International Nuclear Information System (INIS)

    Goh, E.K.H.; Aspinall, T.O.; Kuszmaul, J.S.

    1998-01-01

    The environmental impact of mining and evolving environmental legislation has been receiving increased attention worldwide in the last two decades. The potential impacts associated with unstable spoil dumps from mine operations is the focus of concern both by the mining industry, environmental legislative agencies and members of the public. Engineered slopes of mine spoils may be stable at the end of construction, but they can deteriorate over time. There is thus the need to increase the base of knowledge on the existing practices of spoil dump design and rehabilitation. Information concluded from the analysis of the industrial survey carried out on Australian spoil dump management practices at coal, gold and ore mines are presented in this paper. The questionnaire asked for details of soil type of spoils, and factors influencing the design of spoil dumps (climate, rate of erosion, height of dumps, slope gradient and length, overburden handling equipment, soil characteristics, legislation and wastes). 10 refs., 5 figs., 5 tabs

  11. Spoiled child syndrome.

    Science.gov (United States)

    McIntosh, B J

    1989-01-01

    People often speak of children as being "spoiled" and many parents worry about the possibility of spoiling their infants and children. Many pediatricians, however, are uncomfortable with this term because it is a poorly defined and derogatory expression. Some would even deny that infants and children can be spoiled. Avoiding the use of the expression spoiled can create difficulties in communicating with parents concerned about their children's behavior. In this article, the spoiled child syndrome will be defined and those patterns of behavior that characterize it will be distinguished from other patterns of difficult behavior which may be confused with it. The spoiled child syndrome is characterized by excessive self-centered and immature behavior, resulting from the failure of parents to enforce consistent, age-appropriate limits. Many of the problem behaviors that cause parental concern are unrelated to spoiling as properly understood. Such behaviors are often age-related normal behaviors, reactions to family stresses, or patterns of behavior determined by factors inherent in the child. Pediatricians can provide counseling and reassurance for such behaviors and, by helping parents understand the etiology of true spoiling, can encourage the use of behavior modification techniques for its prevention and treatment.

  12. Possibilities for production of medicinal aromatic plants on the spoil bank of the Pljevlja coal mine. Mogucnost gajenja ljekovitog i aromaticnog bilja na jalovistu rudnika uglja - Pljevlja

    Energy Technology Data Exchange (ETDEWEB)

    Memic, M.; Bajovic, L. (Rudnik Uglja Pljevlja (Yugoslavia))

    1990-01-01

    Presents results obtained from experimental recultivation of the Potrlica surface coal mine spoil bank (810 m elevation, continental climate) during 1986-1990. Two experimental fields - Potrlica-I (600 m[sup 2]) and Potrlica-II (300 m[sup 2]) - were prepared by spreading a 10-20 cm thick layer of low-quality soil over the marly waste of the spoil bank. Soil composition was: 2.10% and 74% Ca, 4.5% and 0.70% humus, l3.5% and 5.5% P[sub 2]O[sub 5] and 23.0% and 6.0% K[sub 2]O in Potrlica-I and II respectively. Soil pH values were 7.2 and 7.60; 500 kg/ha NPK (15:15:15) were spread. Seventeen species of aromatic and medicinal plants were grown. After four years the plants were classified into 3 groups (thriving, satisfactory and non-thriving). It was found that the following plants can yield satisfactory crops and profits: valeriana officinalis, hyssopus officinalis, artemis dracunculus, cynaris scolimus, foenculum vulgare and malva silvestris. Unsatisfactory results were obtained with melisa officinalis, coriandrum sativum, pimpinela anisum and angelica archangelica. Experiments will be continued.

  13. Recognizing critical mine spoil health characteristics to design ...

    Science.gov (United States)

    Biochar can be used as an amendment to remediate metal-contaminated mine spoils for improved site phytostabilization. For successful phytostabilization to occur, biochar amendments must improve mine spoil health with respect to plant rooting plus uptake of water and nutrients. An inappropriate biochar may negatively impact plant growth conditions resulting in poor plant establishment and growth. Matching the appropriate biochar for each mine site requires reconnaissance of spoil chemical and physical conditions and then identifying which properties need rectified to promote plant growth. A rectification hierarchy needs to be established with the primary limiting factor being addressed first, then successive limitations addressed simultaneously or thereafter. We posit that spoils at each site will have a unique chemical, physical, and biological signature that will affect plant growth. For example, some spoils may be extremely acidic, possess phytotoxic concentrations of heavy metals, or have physical conditions that limits water storage and root penetration. Quantifying these and other conditions beforehand allows for the production of designer biochar with specific characteristics tailored for specific plant growth deficiencies within each spoil. Additionally, we recommend the use of proximally located, undisturbed soils to establish spoil remediation targets. In our work, we have developed a decision-tree flow-chart that identifies salient chemical,

  14. Selenium transformation in coal mine spoils: Its environmental impact assessment

    Energy Technology Data Exchange (ETDEWEB)

    Harness, J.; Atalay, A.; Koll, K.J.; Zhang, H.; Maggon, D.

    1991-12-31

    The objective of this program was to conduct an environmental impact assessment study for selenium from coal mine spoils. The use of in-situ lysimetry to predict selenium speciation, transformation, and mobility under natural conditions was evaluated. The scope of the study was to construct and test field-scale lysimeter and laboratory mini-column to assess mobility and speciation of selenium in coal mine overburden and soil systems; to conduct soil and groundwater sampling throughout the state of Oklahoma for an overall environmental impact assessment of selenium; and to conduct an in-depth literature review on the solubility, speciation, mobility, and toxicity of selenium from various sources. Groundwater and surface soil samples were also collected from each county in Oklahoma. Data collected from the lysimeter study indicated that selenium in the overburden of the abandoned mine site was mainly found in the selenite form. The amount of selenite found was too low and immobile to be of concern to the environment. The spoil had equilibrated long enough (over 50 years) that most of the soluble forms of selenium have already been lost. Examination of the overburden indicated the presence of pyrite crystals that precipitated over time. The laboratory mini-column study indicated that selenite is quite immobile and remained on the overburden material even after leaching with dilute acid. Data from groundwater samples indicated that based on the current permissible level for selenium in groundwater (0.01 mg Se/L), Oklahoma groundwater is widely contaminated with the element. However, according to the new regulation (0.05 mg Se/L), which is to be promulgated in 1992, only 9 of the 77 counties in the state exceed the limit.

  15. Placement of acid spoil materials

    Energy Technology Data Exchange (ETDEWEB)

    Pionke, H B; Rogowski, A S

    1982-06-01

    Potentially there are several chemical and hydrologic problems associated with placement of acid spoil materials. The rationale for a deep placement well below the soil surface, and preferably below a water table, is to prevent or minimize oxidation of pyrite to sulfuric acid and associated salts by reducing the supply of oxygen. If, however, substantial sulfuric acid or associated salts are already contained within the spoil because of present or previous mining, handling and reclamation operations (or if large supplies of indigenous salts exist, placement below a water table) may actually increase the rate of acid and salt leaching. Specific placement of acid- and salt-containing spoil should be aimed at preventing contact with percolating water or rising water tables. We recommend placement based on chemical and physical spoil properties that may affect water percolation O/sub 2/ diffusion rates in the profile. Both the deeper placement of acid spoil and coarser particle size can substantially reduce the amount of acid drainage. Placement above the water table with emphasis on percolate control may be better for high sulfate spoils, while placement below the non-fluctuating water table may be better for pyritic spoils.

  16. Spoil characteristics and vegetation development of an age series of mine spoils in a dry tropical environment

    Energy Technology Data Exchange (ETDEWEB)

    Jha, A K; Singh, J S [Banaras Hindu University, Varanasi (India). Dept. of Botany

    1991-12-01

    A series of coal mine spoils (5,10,12,16 and 20-yr old) in a dry tropical environment was sampled to assess the changes with time in spoil characteristics, species composition and plant biomass. Coarse fragments ({gt} 2 mm) decreased with age of mine spoil while the proportion of 0.2-0.1 mm particles increased. Total soil N, mineral N, NaHCO{sub 3}-extractable P, and exchangeable K increased with age of mine spoil and these parameters were lower in mine spoils than native forest soil even after 20 years of succession. Exchangeable Na decreased with age of mine spoil and in 20-yr old spoil it was higher than native forest soil. Plant community composition changed with age. Only a few species participated in community formation. Species richness increased with age, while evenness and species diversity declined from 5-yr old to 16-yr old community with an increase in the 20-yr old community. A reverse trend occurred for concentration of dominance. Area-weighted shoot and root biomass of other species increased with the age of the mine spoil while that of Xanthium strumarium patches declined with age. Data collection on spoil features, microbial C, N and P,and shoot and root biomass when subjected to Discriminant Analysis indicated a continued profound effect of age. 10 and 12-yr old mine spoils were closer to each other and 5 and 20-yr old spoils were farthest apart.

  17. Spoil characteristics and vegetation development of an age series of mine spoils in a dry tropical environment

    International Nuclear Information System (INIS)

    Jha, A.K.; Singh, J.S.

    1991-01-01

    A series of coal mine spoils (5,10,12,16 and 20-yr old) in a dry tropical environment was sampled to assess the changes with time in spoil characteristics, species composition and plant biomass. Coarse fragments (> 2 mm) decreased with age of mine spoil while the proportion of 0.2-0.1 mm particles increased. Total soil N, mineral N, NaHCO 3 -extractable P, and exchangeable K increased with age of mine spoil and these parameters were lower in mine spoils than native forest soil even after 20 years of succession. Exchangeable Na decreased with age of mine spoil and in 20-yr old spoil it was higher than native forest soil. Plant community composition changed with age. Only a few species participated in community formation. Species richness increased with age, while evenness and species diversity declined from 5-yr old to 16-yr old community with an increase in the 20-yr old community. A reverse trend occurred for concentration of dominance. Area-weighted shoot and root biomass of other species increased with the age of the mine spoil while that of Xanthium strumarium patches declined with age. Data collection on spoil features, microbial C, N and P,and shoot and root biomass when subjected to Discriminant Analysis indicated a continued profound effect of age. 10 and 12-yr old mine spoils were closer to each other and 5 and 20-yr old spoils were farthest apart

  18. Spoils of Truce

    DEFF Research Database (Denmark)

    Haugbølle, Sune

    2014-01-01

    Review of Spoils of Truce. Corruption and stat building in Postwar Lebanon Reinoud Leenders Ithaca, NY, Cornell University Press, 2012, ISBN 978-0-8014-5100-3......Review of Spoils of Truce. Corruption and stat building in Postwar Lebanon Reinoud Leenders Ithaca, NY, Cornell University Press, 2012, ISBN 978-0-8014-5100-3...

  19. Cultivation of high-biomass crops on coal mine spoil banks: Can microbial inoculation compensate for high doses of organic matter?

    Energy Technology Data Exchange (ETDEWEB)

    Gryndler, M.; Sudova, R.; Puschel, D.; Rydlova, J.; Janouskova, M.; Vosatka, M. [Academy of Science Czech Republic, Pruhonice (Czech Republic)

    2008-09-15

    Two greenhouse experiments were focused on the application of arbuscular mycorrhizal fungi (AMF) and plant growth promoting rhizobacteria (PGPR) in planting of high-biomass crops on reclaimed spoil banks. In the first experiment, we tested the effects of different organic amendments on growth of alfalfa and on the introduced microorganisms. While growth of plants was supported in substrate with compost amendment, mycorrhizal colonization was suppressed. Lignocellulose papermill waste had no negative effects on AMF, but did not positively affect growth of plants. The mixture of these two amendments was found to be optimal in both respects, plant growth and mycorrhizal development. Decreasing doses of this mixture amendment were used in the second experiment, where the effects of microbial inoculation (assumed to compensate for reduced doses of organic matter) on growth of two high-biomass crops, hemp and reed canarygrass, were studied. Plant growth response to microbial inoculation was either positive or negative, depending on the dose of the applied amendment and plant species.

  20. Selenium transformation in coal mine spoils: Its environmental impact assessment. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Harness, J.; Atalay, A.; Koll, K.J.; Zhang, H.; Maggon, D.

    1991-12-31

    The objective of this program was to conduct an environmental impact assessment study for selenium from coal mine spoils. The use of in-situ lysimetry to predict selenium speciation, transformation, and mobility under natural conditions was evaluated. The scope of the study was to construct and test field-scale lysimeter and laboratory mini-column to assess mobility and speciation of selenium in coal mine overburden and soil systems; to conduct soil and groundwater sampling throughout the state of Oklahoma for an overall environmental impact assessment of selenium; and to conduct an in-depth literature review on the solubility, speciation, mobility, and toxicity of selenium from various sources. Groundwater and surface soil samples were also collected from each county in Oklahoma. Data collected from the lysimeter study indicated that selenium in the overburden of the abandoned mine site was mainly found in the selenite form. The amount of selenite found was too low and immobile to be of concern to the environment. The spoil had equilibrated long enough (over 50 years) that most of the soluble forms of selenium have already been lost. Examination of the overburden indicated the presence of pyrite crystals that precipitated over time. The laboratory mini-column study indicated that selenite is quite immobile and remained on the overburden material even after leaching with dilute acid. Data from groundwater samples indicated that based on the current permissible level for selenium in groundwater (0.01 mg Se/L), Oklahoma groundwater is widely contaminated with the element. However, according to the new regulation (0.05 mg Se/L), which is to be promulgated in 1992, only 9 of the 77 counties in the state exceed the limit.

  1. EFTPOS Impacts on Branch Banking: an extra organisational analysis

    Directory of Open Access Journals (Sweden)

    Gregory Shailer

    2000-05-01

    Full Text Available Perceptions and experiences of bank branch managers and merchant who have installed EFTPOS are surveyed to investigate the impact of EFTPOS on branch banking activities using internal and extra-organisational perspectives. Impacts are identified by reference to banking activities and interpreted as efficiency, effectiveness and competitiveness impacts. It appears that bank managers may have difficulty in isolating the impacts of EFTPOS on banking activities from concurrent changes in banking practices and might overestimate some beneficial impacts. Results indicate a much richer view can be obtained using an organisational perspective of a system's impacts.

  2. Hydroseeding on anthracite coal-mine spoils

    Science.gov (United States)

    Miroslaw M. Czapowskyj; Ross Writer

    1970-01-01

    A study was made of the performance of selected species of legumes, grasses, and trees hydroseeded on anthracite coal-mine spoils in a slurry of lime, fertilizer, and mulch. Hydroseeding failed on coal-breaker refuse, but was partially successful on strip-mine spoils.

  3. Traditional method of fish treatment, microbial count and palatability studies on spoiled fish

    Directory of Open Access Journals (Sweden)

    Abd Aziz, N. A.

    2013-01-01

    Full Text Available Aims: To evaluate the microbial count and palatability acceptance of spoiled fish after treatment with traditionally used naturalsolution.Methodology and results: To compare microbial count of spoiled fish before and after treatment with natural solution practicedby local people in Malaysia, 10 g of spoiled fish was respectively rinsed with 100 mL of 0.1% of natural solution such as Averrhoabilimbi extract, rice rinsed water, rice vinegar, Citrus aurantifolia extract, salt, flour, and Tamarindus indica extract. Flesh of fishrinsed with rice vinegar was found to be able to reduce microbial count (CFU/mL = 0.37 X 107 more than 4.5 times whencompared to spoiled fish (CFU/mL=1.67x 107. Spoiled fish that was treated with rice vinegar was prepared into a cutlet and fried.The cutlet was subjected to palatability acceptance study by a group of residents in Palm Court Condominium, Brickfields, KualaLumpur. The palatability study from the Cronbach alpha shown that the taste have the reliability of 0.802, the aroma has thereliability of 0.888, colour with the reliability of 0.772, texture or mouth feel have reliability of 0.840 and physical structure of thecutlet is 0.829.Conclusion, significance and impact of study: Treatment of spoiled fish using rice vinegar as practice by local peopletraditionally shown a significant reduction in microbial count and the vinegar-treated fish could be developed into a product that issafe and acceptable by the consumer.

  4. Rehabilitation of semi-arid coal mine spoil bank soils with mine residues and farm organic by-products

    Energy Technology Data Exchange (ETDEWEB)

    Salazar, M.; Bosch-Serra, A.; Estudillos, G.; Poch, R.M. [University of Lleida, Lleida (Spain). Dept. of Environmental & Soil Science

    2009-07-01

    A method of rehabilitating coal mine soils was studied under the conditions of a semi-arid climate, lack of topsoil but availability of farm by-products in NE Spain. The objectives of the research were to assess a new method in order to achieve a suitable substrate for the establishment of native vegetation, to evaluate environmental impacts associated with the reclamation process, and to determine the time necessary to integrate the treated area into the surrounding environment. Eight plots (10 x 35 m{sup 2}) were established in September 1997. Substrate combinations of two types of mine spoil (coal dust and coarse-sized material), two levels of pig slurry (39 and 94 Mg ha{sup -1}dry-wt), and cereal straw (0 and 15 Mg ha{sup -1}) were applied. Monitoring of select physical and chemical soil properties and vegetation characteristics was performed from 1997 until 2005. The bulk density and the saturated hydraulic conductivity measured did not limit plant development and water availability. Initial substrate salinity (1.37 S m{sup -1}) decreased with time and in the long term did not limit plant colonization to salinity-adapted species. Initial nitrate concentration was 298 mg kg{sup -1}, but was reduced significantly to acceptable values in 3 years (55 mg kg{sup -1}) and the measured pH (7.6) was maintained at the level of initial spoil values. Vegetation cover reached up to 90%. In the treated area, spontaneous vegetation cover (15 to 70%) colonized the nonsown areas widely. In the medium term, vegetation cover tended to be higher in plots with a thicker layer of coal dust material and the higher slurry rate. Soil rehabilitation and environmental reintegration, taking into account soil and vegetation indicators, was possible in the studied area with low cost inputs using residual materials from mining activities and animal husbandry by-products.

  5. Useful materials from colliery spoil

    Energy Technology Data Exchange (ETDEWEB)

    Gibson, J

    1975-08-01

    This article is based on a paper presented by the author at a recent symposium on ''The technology of reclamation.'' He discusses the research that is being carried out at the N.C.B.'s Coal Research Establishment into ways of utilizing colliery spoil: unburnt spoil may be used in road construction as fill material or as cement-stabilized sub-bases; the heat-treated spoil can be used as lightweight aggregate in concrete blocks or as dense aggregate for non-skid roadstone. Information is also given about a project to examine the drying of washery tailings in a fluidized-bed combustion system: the material remaining in the bed is immediately usable as a lightweight aggregate, and the fine material blown from the bed and collected in cyclones might be used in the manufacture of cheap artifacts.

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

  7. Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC

    OpenAIRE

    Arshad, Rizwan

    2012-01-01

    The current study aimed at investigating the impact of foreign banks on domestic banks in (Brazil, Russia, India and China) BRIC group of countries during 2001-2011. The importance of this topic is due to instability of financial industry and continuously changing financial markets. Financial liberalization did not only give boom to banking industry but also made it more competitive and unstable. To stay in competition, banks follow risky practices that do not only create problems within fina...

  8. Prediction of the acid generating potential of coal mining spoils

    International Nuclear Information System (INIS)

    Monterroso, C.; Macias, F.

    1998-01-01

    The sulfide oxidation impact on mined land reclamation makes it necessary for mine spoils to be classified according to their acidifying potential. In this paper predictions were made of the acid generating potential of sulfide-containing spoils from the Puentes lignite mine (Galicia, NW Spain), and the limits of sulfur contents allowable for their storage in aerobic conditions, were established. Using samples of fresh spoils, analyses were made of the content and speciation of sulfur, pH was measured after oxidation of the sample with H 2 O 2 (pH of oxidation = pH OX ), and titration of the oxidation extract with 0.1N NaOH to pH = 7 was carried out (Net Acid Production = NAP). The total sulfur content (S T ) varied between 3%, with pyritic-S being the most common form (> 80%). pH OX varied between 1.6 and 6.4 and NAP between 1.2 and 85.0 Kg-CaCO 3 t -1 . A high correlation was found between the NAP and the S T (r-0.98, p T > 0.15% cause high risks of mine-soil acidification, and create the need for large doses of CaCO 3 to be used on final surface of the mine dump. Use of fly ash, produced from the combustion of lignite, as an alternative to commercial lime is more effective in the control of acidity generated by spoils with high S T . 20 refs., 5 figs., 1 tab

  9. Impact Assessment of Bank Consolidation on the Performance of Commercial Banks in Nigeria

    Directory of Open Access Journals (Sweden)

    Edirin Jeroh

    2015-10-01

    Full Text Available This study focuses on an impact assessment of the consolidation exercise on the performance of commercial banks in Nigeria. While prior studies focused on the financial performance of banks (with emphasis on profitability, the main thrust of this study was on how the consolidation exercise had affected different areas of commercial banks in Nigeria other than profitability. Secondary data were sourced from the annual accounts and statistical bulletins of the CBN and SEC respectively for the relevant years. The data obtained were analysed by means of sensitivity analysis, in addition to the correlation and regression analyses. The results obtained show that the consolidation exercise had positive impact on the selected variables (Non Performing Loans, Liquidity Ratio, Bank Credit to Private Sector and Bank Capital To Asset Ratio for this study. Based on the above findings, we recommend among others that while efforts are made by the CBN to sustain the increased capital base of banks, a very sound corporate governance framework and effective risk management systems must be put in place to check the level of non-performing loans which seem to be predominant in the industry. The quality of bank credit to private sector and their recovery procedures should also be improved upon.

  10. BASEL III IMPACT ON ROMANIAN BANKING SYSTEM PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mariana G. NEDELCU (BUNEA

    2014-04-01

    Full Text Available In the context of economic and financial crisis triggered in EU by autumn 2008, Romania's banking system like that in the other European countries, faced with the consequences of decreasing the standard of living the worsening of purchasing power (in terms of retail and with gaps and Delay occurred in the payment of corporate clients. However the deteriorating the quality of bank investments, increasing non-performing loans in bank portfolios totate ultimately causing the accumulation of excessive risks that banks were exposed. On the background of the crisis, the impact of Basel III is not only a financial regulation that is applicable to the banking industry and will fundamentally determine the profitability of the banking system. Through this study, we propose a series of measures applicable to the credit institutions to mitigate the impact of alignment with the new capital requirements.

  11. The impact of liquidity on bank profitability

    OpenAIRE

    Bordeleau, Etienne; Graham, Christopher

    2010-01-01

    The recent crisis has underlined the importance of sound bank liquidity management. In response, regulators are devising new liquidity standards with the aim of making the financial system more stable and resilient. In this paper, the authors analyse the impact of liquid asset holdings on bank profitability for a sample of large U.S. and Canadian banks. Results suggest that profitability is improved for banks that hold some liquid assets, however, there is a point at which holding further liq...

  12. The biological costs of not reclaiming bentonite mine spoils

    Science.gov (United States)

    Carolyn Hull Sieg; Daniel W. Uresk; Richard M. Hansen

    1982-01-01

    Bentonite clay has been mined in the northern Great Plains for more than 80 years. Until the late 1960's, mine spoil materials were left in steep piles and no effort was made to restore biological productivity to these disturbed sites. As a result, unreclaimed spoils are barren and eroded. The biological costs of not reclaiming these spoils are examined in this...

  13. Bryophytes and revegetation of coal spoils in southern Iowa. [14 refs

    Energy Technology Data Exchange (ETDEWEB)

    Carvey, K.; Farrar, D.R.; Glenn-Lewin, D.C.

    1976-01-01

    Strip mining of coal in southern Iowa has left many scattered areas of coal spoils which provide a type of habitat unique to the region. The occurrence and distribution of 29 mosses and 2 liverworts on these spoils was determined and related to the general process of spoil revegetation. The spoil bryophyte flora was compared with Conard's (1956) list of bryophytes for the region. An increase in per cent cover and in species diversity of bryophytes was observed with increasing age of spoils, and was correlated with increased vascular plant cover. Dicranella heteromalla and Ceratodon purpureus were found to be common throughout the spoils, whereas all other species were limited to more protected sites, especially on north-facing slopes. Mosses did not appear to colonize very exposed areas on the spoils, but were limited to areas with some protection provided, especially by vascular plants. Several disjunct or highly localized moss populations were found including one new state record and thirteen new county records.

  14. Earthworm succession in afforested colliery spoil heaps in the Sokolov region, Czech Republic

    Czech Academy of Sciences Publication Activity Database

    Pižl, Václav

    2001-01-01

    Roč. 9, č. 4 (2001), s. 359-364 ISSN 1061-2971 Institutional research plan: CEZ:AV0Z6066911 Keywords : earthworms * colliery spoil heaps * succession Subject RIV: EH - Ecology, Behaviour Impact factor: 1.011, year: 2001

  15. Depletion-Mode GaN HEMT Q-Spoil Switches for MRI Coils.

    Science.gov (United States)

    Lu, Jonathan Y; Grafendorfer, Thomas; Zhang, Tao; Vasanawala, Shreyas; Robb, Fraser; Pauly, John M; Scott, Greig C

    2016-12-01

    Q-spoiling is the process of decoupling an MRI receive coil to protect the equipment and patient. Conventionally, Q-spoiling is performed using a PIN diode switch that draws significant current. In this work, a Q-spoiling technique using a depletion-mode Gallium Nitride HEMT device was developed for coil detuning at both 1.5 T and 3 T MRI. The circuits with conventional PIN diode Q-spoiling and the GaN HEMT device were implemented on surface coils. SNR was measured and compared for all surfaces coils. At both 1.5 T and 3 T, comparable SNR was achieved for all coils with the proposed technique and conventional Q-spoiling. The GaN HEMT device has significantly reduced the required power for Q-spoiling. The GaN HEMT device also provides useful safety features by detuning the coil when unpowered.

  16. THE IMPACT OF FINANCIAL LIBERALIZATION ON ROMANIAN BANKING SYSTEM EFFICIENCY

    Directory of Open Access Journals (Sweden)

    Ciupac-Ulici Maria-Lenuta

    2013-07-01

    Full Text Available In the last three decades, many emerging countries have moved away from a system of restrictive monetary and financial controls to a more liberalized financial sector. The restrictive imposed policies were expected to contribute to industrialization of the economy and to the stability of the banking sector. However, financial liberalization had big costs on the banking system's competitiveness and efficiency. Financial liberalization has a different impact on banking markets. Thus, there is no size that fits all policies concerning banking liberalization process. For highly efficient banks, competition is improving their efficiency standard, while less efficient banks can`t compete with foreign banks and further are decreasing in efficiency or are driven out of the market. Overall, the average efficiency of domestic banking markets should be an important variable in deciding to open up their banking market. Banks that are operating close to the frontier, in general are improving their efficiency following financial liberalization process. Banks that are operating in a further distance can`t manage to compete with foreign market entrants, so, they are losing from liberalization process. In this article we propose to measure the impact of financial liberalization process on Romanian banking system. We used the panel regression to study the informational efficiency of three Romanian banks during 2004 - 2012. The dependent variable of the model was the price of stock bank, and the independent variables were the financial indicators (return on equity, return on assets, net profit margin. In the second regression we introduce a dummy variable for crisis period. Our results show that the financial indicators choose do not affect the efficiency of Romanian bank, but the crisis had a negative impact on them. International context, credit risk, the implementation of Basel III and reducing exposures in the absence of investment alternatives remains key

  17. Response of alkali sacaton and fourwing saltbush to various amendments on coal mine spoils from northwestern New Mexico. II. Sodic spoil

    Energy Technology Data Exchange (ETDEWEB)

    Scholl, D G; Miyamoto, S

    1984-03-01

    Effects of chemical amendments on properties of two sodic mine spoils (sandstone and shale origins) and on growth of two range plants (alkali sacaton and fourwing saltbush) were studied in search of promising revegetation methods. The chemical amendments included applications of concentrated sulfuric acid, gypsum and phosphorus. On the shale spoil, these chemicals were applied in combination with physical amendments consisting of sand mulching, sand top-dressing, or sand incorporation. The sand used for the physical amendment was aeolian sand, which is locally available in the mine area. Laboratory water penetration tests and greenhouse plant growth tests were performed. Results indicate the following amendments to be promising: for sandstone-based spoils, sulfuric acid treatment, gypsum plus phosphorus application or phosphorus fertilization alone, depending on severity of sodium problems; for shale-based spoils, acid treatment can best be combined with either sand mulching, sand top-dressing, or sand incorporation. Gypsum plus phosphorus treatment in combination with sand top-dressing may provide an alternative treatment. 9 references.

  18. Navigating the Impact of Globalization on Bank Efficiency in China%Navigating the Impact of Globalization on Bank Efficiency in China

    Institute of Scientific and Technical Information of China (English)

    Fadzlan Sufian; Muzafar Shah Habibullah

    2011-01-01

    The paper provides for the first time empirical evidence on the impact of economic globalization on bank efficiency in a developing economy. Using the data envelopment analysis method, we compute the efficiency of the Chinese banking sector during 2000- 2002 The empirical findings suggest that the inefficiency of the Chinese banking sector stems largely from scale rather than pure technical inefficiencies. Examining different components of economic globalization, we find that greater economic integration through higher trade flows, cultural proximity and political globalization have significant andpositive influence on bank efficiency levels. The empirical findings suggest that liberalization (restrictions) of the capital account exerts a negative (positive) influence on bank efficiency levels in China.

  19. 30 CFR 816.73 - Disposal of excess spoil: Durable rock fills.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Disposal of excess spoil: Durable rock fills...-SURFACE MINING ACTIVITIES § 816.73 Disposal of excess spoil: Durable rock fills. The regulatory authority may approve the alternative method of disposal of excess durable rock spoil by gravity placement in...

  20. 30 CFR 817.73 - Disposal of excess spoil: Durable rock fills.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Disposal of excess spoil: Durable rock fills...-UNDERGROUND MINING ACTIVITIES § 817.73 Disposal of excess spoil: Durable rock fills. The regulatory authority may approve the alternative method of disposal of excess durable rock spoil by gravity placement in...

  1. Dry flue gas desulfurization byproducts as amendments for reclamation of acid mine spoil

    International Nuclear Information System (INIS)

    Dick, W.A.; Stehouwer, R.C.; Beeghly, J.H.; Bigham, J.M.; Lal, R.

    1994-01-01

    Development of beneficial reuses of highly alkaline, dry flue gas desulfurization (FGD) byproducts can impact the economics of adopting these FGD technologies for retrofit on existing powerplants. Greenhouse studies were conducted to evaluate the use of two dry FGD byproducts for reclamation of acid mine spoil (pH, 3.1 to 5.8). Treatment rates of FGD ranges from 0% to 32% by dry weight and most treatments also included 6% by dry weight of sewage sludge. Fescue (Festuca arundinacea Schreb.) was harvested monthly for a total of six harvests. Plant tissue composition and root growth were determined after the sixth harvest. Leachate analyses and pH determination of mixes were done at the beginning and end of the experiments. Both FGD byproducts were effective in raising the spoil pH and in improving fescue growth. At the highest FGD application rate, fescue growth decreased from the optimum due to high pH and reduced rooting volume caused by cementation reactions between the FGD and spoil. Trace elements, with the exception of B, were decreased in the fescue tissue when FGD was applied. Leachate pH, electrical conductivity, dissolved organic carbon, Ca, Mg, and S tended to increase with increased FGD application rate; Al, Fe, Mn, and Zn decreased. pH was the most important variable controlling the concentrations of these elements in the leachate. Concentrations of elements of environmental concern were near or below drinking water standard levels. These results indicate that FGD applied at rates equivalent to spoil neutralization needs can aid in the revegetation of acid spoil revegetation with little potential for introduction of toxic elements into the leachate water or into the food chain

  2. Impact Of Exogenous And Endogenous Risks On Systemic Risk In Indonesian Banking

    Directory of Open Access Journals (Sweden)

    Alfiana

    2015-08-01

    Full Text Available Weaknesses of the Banking Pressure Index and Financial Stability Index as an early detection system were not to involve contagion and bank run. This study aimed at determining impacts of endogenous and exogenous risks on systemic risks. It was a descriptive verificatory study using monthly secondary data of 2011-2014 and multiple regressions. Utilizing credit risk liquidity risk market risk capital adequacy risk contagion bank run inflation BI rate exchange rate and systemic risk variables of the 2011-2014 period it turned out that only endogenous risks of contagion and bank run variables impacted on systemic risk in Indonesian banking. The result showed that after the test of classical linear regression assumption credit risk capital adequacy risk contagion bank run and inflation variables simultaneously impacted on systemic risk and contributed to the movement of systemic risk. However our findings suggested that only contagion CONT bank run BR and inflation INF variables significantly impacted on systemic risk in a positive direction.

  3. Monetary Policy: Its Impact On The Profitability Of Banks In India

    OpenAIRE

    Punita Rao

    2011-01-01

    This purpose of this study is to investigate the impact of monetary policy on the profitability of banks in the context of financial sector reforms in India. We discuss the financial sector reforms and the implication of the banks, the various instruments of monetary policy in India, and the impact of monetary policy on the profitability of banks.

  4. The Impact of Foreign Banks Presence on the Performance of Domestic Banks in Kosovo during the Period 2001-2007

    Directory of Open Access Journals (Sweden)

    Driton Balaj

    2010-12-01

    Full Text Available The purpose of this study is to empirically research the impacts of the foreign bank’spresence on the performance of domestic banking sector in Kosovo. The research data on foreign anddomestic banking are quarterly time seri data gathered by the Central Bank for the period 2001-2007.By using the compatible data on seven commercial banks, we introduce how the net interest margin,non interest margin, overhead cost, tax paid, and profitability differ between the foreign and domesticbanks. We find that the foreign banks have higher net interest margin and profit than the domesticbanks. The research outcome indicates that the presence of foreign banks had a negative andstatistically significant impact on the net interest margin and loan loss provision of domestic banks,but positively related to the non-interest income, overhead cost and profitability of domestic banks,but we did not find any statistically significant values. The general conclusion is that the presence offoreign banks has not influenced on the increase of competitiveness.

  5. Distribution of vesicular-arbuscular mycorrhizal fungi in coal, lignite and calcite mine spoils of India

    Energy Technology Data Exchange (ETDEWEB)

    Ganesan, V.; Ragupathy, S.; Parthipan, B.; Rani, D.B.R.; Mahadevan, A.

    1991-12-31

    Vesicular-arbuscular mycorhizzal (VAM) status was assessed for coal, lignite and calcite mine spoils. The three study sites were: The Kothagudem coal field in the south central region where waste materials are piled 1 to 2 m high on the soil surface. Samples were collected from plants growing on the waste. Neyveli, on the southeastern coast, is a lignite coal mine where the spoil is piled 70 to 100 m high on the soil surface. Samples were collected from recently revegetated mine spoil and from 25 year old revegetated sites. The calcite mine at Thazhaiyuthu in the south where the spoil is piled up 2 to 3 m on the soil surface. Samples were collected from 4 to 7 year old reclaimed sites. The wastes generally supported different plant species. The level of VAM infection of plants was markedly different in each mine spoil, with the maximum infection in the coal and calcite spoils, and the least in the lignite spoil. There was more infection in the 25 year old lignite spoil than in the newly revegetated spoil. There were different VAM species in each spoil, and no one species was present in all of the samples. The authors conclude that one of the factors leading to the differences between spoils is the amount of topsoil contained in the spoil (least in the lignite spoils which are very deep). The other is age of the spoils. Unfortunately the authors concluded that the best approach is to enrich the spoils with VAM rather than salvaging and replacing topsoil

  6. The impact of liquidity regulation on bank intermediation

    NARCIS (Netherlands)

    Bonner, Clemens; Eijffinger, Sylvester C. W.

    We analyze the impact of a requirement similar to the Basel III Liquidity Coverage Ratio on the bank intermediation applying Regression Discontinuity Designs. Using a unique dataset on Dutch banks, we show that a liquidity requirement causes long-term borrowing and lending rates as well as demand

  7. The impact of E-Marketing in the positioning of Kosovo Banks

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Shpresa Mehmeti

    2015-06-01

    Full Text Available The following thesis will present the results of a study on the impact of electronic marketing in bank positioning in Kosovo. As a case study we have selected ProCredit Bank and Raiffeisen Bank which are operating in Kosovo for several years now. Development of information technology has brought changes in every day work offering various opportunities to the clients and its activities in particular to financial institutions In this study we have surveyed customers of the banks that operate in Kosovo. For data collection an electronic questionnaire has been used, which was sent to the clients of both banks which are subject of study. The purpose of this paper is to reveal how these banks apply electronic systems for the provision of services and how this service has impact on their position in the banking market in Kosovo. Findings from this study have enabled us to understand that the banking sector still suffers deficiencies regarding Internet usage by customers to perform banking transactions.

  8. Impact of systemic risk in the real estate sector on banking return.

    Science.gov (United States)

    Li, Shouwei; Pan, Qing; He, Jianmin

    2016-01-01

    In this paper, we measure systemic risk in the real estate sector based on contingent claims analysis, and then investigate its impact on banking return. Based on the data in China, we find that systemic risk in the real estate sector has a negative effect on banking return, but this effect is temporary; banking risk aversion and implicit interest expense have considerable impact on banking return.

  9. Initial vesicular-arbuscular mycorrhizal development of slender wheatgrass on two amended mine spoils

    Energy Technology Data Exchange (ETDEWEB)

    Zak, J.C.; Parkinson, D. (University of Calgary, Calgary, AB (Canada). Dept. of Biology)

    1982-01-01

    The initial vesicular-arbuscular (VA) mycorrhizal development of slender wheatgrass on extracted oil-sands and subalpine coal-mine spoils, amended with either fertilizer, peat, or liquid sewage sludge, was examined. Plants were sampled at 2,6 and 10 weeks after plant emergence and the level of infection was expressed as length of mycorrhizal root per plant and length of root which contained arbuscules, vesicles, or only hyphae. Mycorrhizal infection of slender wheatgrass on the oil sands was limited to plants on the peat-amended spoil. Infection of plants on the peat-amended oil-sands spoil was detected by 2 weeks. Plants on the subalpine spoil were infected at 2 weeks only on the peat-amended spoil. While slender wheatgrass on the control and fertilizer-amended spoil developed mycorrhizae by 6 weeks, infection was not observed in plants on the sewage-amended spoil until 10 weeks. At 10 weeks, there were no significant differences in lengths of mycorrhizal root per plant among the amendments. Increased P levels in the fertilizer- and sewage-amended subalpine spoil did not suppress VA mycorrhizal development. 43 refs., 6 tabs.

  10. The copper spoil heap Knappenberg, Austria, as a model for metal habitats – Vegetation, substrate and contamination

    Energy Technology Data Exchange (ETDEWEB)

    Adlassnig, Wolfram; Weiss, Yasmin S. [University of Vienna, Core Facility Cell Imaging and Ultrastructure Research, Althanstraße 14, A-1090 Vienna (Austria); Sassmann, Stefan [University of Vienna, Core Facility Cell Imaging and Ultrastructure Research, Althanstraße 14, A-1090 Vienna (Austria); University of Exeter, College of Life and Environmental Sciences, Biosciences, Stocker Road, Exeter EX4 4QD (United Kingdom); Steinhauser, Georg [Leibniz University Hannover, Institute of Radioecology and Radiation Protection, Herrenhäuser Straße 2, D30419 Hannover (Germany); Hofhansl, Florian [University of Vienna, Department of Microbiology and Ecosystem Science, Althanstraße 14, A-1090 Vienna (Austria); Instituto Nacional de Pesquisas da Amazônia, Coordenação de Dinâmica Ambiental, Manaus (Brazil); Baumann, Nils [Helmholtz-Zentrum Dresden-Rossendorf, Division of Biogeochemistry, Bautzner Landstraße 400, D-01328 Dresden (Germany); Lichtscheidl, Irene K. [University of Vienna, Core Facility Cell Imaging and Ultrastructure Research, Althanstraße 14, A-1090 Vienna (Austria); Lang, Ingeborg, E-mail: ingeborg.lang@univie.ac.at [University of Vienna, Core Facility Cell Imaging and Ultrastructure Research, Althanstraße 14, A-1090 Vienna (Austria)

    2016-09-01

    Historic mining in the Eastern Alps has left us with a legacy of numerous spoil heaps hosting specific, metal tolerant vegetation. Such habitats are characterized by elevated concentrations of toxic elements but also by high irradiation, a poorly developed substrate or extreme pH of the soil. This study investigates the distribution of vascular plants, mosses and lichens on a copper spoil heap on the ore bearing Knappenberg formed by Prebichl Layers and Werfener Schist in Lower Austria. It serves as a model for discriminating between various ecological traits and their effects on vegetation. Five distinct clusters were distinguished: (1) The bare, metal rich Central Spoil Heap was only colonised by highly resistant specialists. (2) The Northern and (3) Southern Peripheries contained less copper; the contrasting vegetation was best explained by the different microclimate. (4) A forest over acidic bedrock hosted a vegetation overlapping with the periphery of the spoil heap. (5) A forest over calcareous bedrock was similar to the spoil heap with regard to pH and humus content but hosted a vegetation differing strongly to all other habitats. Among the multiple toxic elements at the spoil heap, only Cu seems to exert a crucial influence on the vegetation pattern. Besides metal concentrations, irradiation, humidity, humus, pH and grain size distribution are important for the establishment of a metal tolerant vegetation. The difference between the species poor Northern and the diverse Southern Periphery can be explained by the microclimate rather than by the substrate. All plant species penetrating from the forest into the periphery of the spoil heap originate from the acidic but not from the calcareous bedrock. - Highlights: • Strong impact on plant diversity by isolation and extreme abiotic conditions • Both, microclimate and substrate explain species distribution. • Increased cellular metal tolerance of plants from the Central Spoil Heap • Among toxic elements

  11. E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria

    Directory of Open Access Journals (Sweden)

    Haadi Babatunde Asiyanbi

    2018-09-01

    Full Text Available This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100 bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%, internet banking (85%, electronic transfer (97%. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

  12. Reclamation of coal mine spoil dump through integrated biotechnological approach

    International Nuclear Information System (INIS)

    Juwarkar, A.S.; Thawale, P.R.; Mowade, S.; Shrivastava, S.; Deshbhratar, P.B.; Juwarkar, A.

    1994-01-01

    Laboratory and field studies were carried out to restore the fertility and productivity of coal mine spoil using primary clarifier sludge from paper mill effluent treatment plant and use of specialised culture of biofertilizers and mycorrhizal fungi. Plants namely Tectona grandis, Delbergia sissoo, Gmelina arporea, Emblica officinalis and Cassia seamea were grown. Sludge amendment enhanced the survival rate of plants to 80% compared to 20% in unamended spoil. Plants grown on unamended spoil showed stunted growth. Growth of plants increased by 188-484% when sludge was applied at the rate of 100 tonnes per hectare. At 100 tones per hectare sludge amendment, biofertilizer and mycorrhizae treatment there were 83.7 nodules in shishum as against only 4.6 nodules in case of spoil alone. Further root length was 276% and 281% more respectively in case of shishum and teak. Inoculation of plant saplings with respective biofertilizers and mycorrhizae further increased the plant growth by 144-198%. At Durgapur coal mine, 56,000 saplings of Tectona grandis, Gmelina arporea, Delbergia sissoo, Emblica officinalis, Azadirachta indica, Acacia ariculiformis, Prosopis etc were successfully planted on spoil dump using integrated biotechnological approach. 10 refs., 5 tabs

  13. 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...

  14. Asfordby spoiled - remote disposal of spoil - the case of Asfordby mine in Leicestershire

    Energy Technology Data Exchange (ETDEWEB)

    Rose, D

    1988-03-01

    The Asfordby Mine Project in Leicestershire, UK is scheduled for completion in 1993/4 and should produce 3 mt of coal pa. An estimated 650 000 tpa of spoil would be generated, 10% of which could be used for backfilling elsewhere in the area. The creation of spoil heaps on site was rejected by the County Council on environmental and agricultural grounds, and remote disposal was investigated by a Working Party. Four remote sites were identified, having disposal costs varying from 3.82 to 11.34 UKL per tonne (compared with 2.10 UKL on site). A pilot remote disposal scheme involving two old clay pits was explored, but the costs were found to outweigh the other advantages and so the idea has been dropped. Appeals have been made to the Department of the Environment to reconsider the advantages of such an innovative approach and to seek funding for it from the site operator and the EEC.

  15. The Impact of Bank Consolidation on Commercial Borrower Welfare

    NARCIS (Netherlands)

    Karceski, J.; Ongena, S.; Smith, D.C.

    2000-01-01

    We estimate the impact of bank merger announcements on borrowers' stock prices for publicly-traded Norwegian firms.In addition, we analyze how bank mergers influence borrower relationship termination behavior and relate the propensity to terminate to borrower abnormal returns.We obtain four main

  16. Impact of bank mergers on shareholders’ wealth

    Directory of Open Access Journals (Sweden)

    Odero Naor Juma

    2013-07-01

    Full Text Available Mergers and acquisitions (M&As perform a vital role in corporate finance in enabling firms achieve varied objectives and financial strategies. This study sought to comprehend the impacts that previous bank mergers have had on the shareholders’ wealth. The study location was in Kenya and it adopted the descriptive survey and correlation design in which the success of mergers was measured based on the objective oriented model using the annual accounts. The study computed the return on assets (ROA, return on equity (ROE and the efficiency ratio (EFF as indicators of shareholder value. The results of the commercial banks were analysed for a five-year period (2006-2010. The study reveals that mergers significantly influence shareholder value with banks that have undertaken mergers creating more value than those that have not. Such banks were ascertained to have posted better results than the overall sector.

  17. Phytoremediation of coal mine spoil dump through integrated biotechnological approach

    Energy Technology Data Exchange (ETDEWEB)

    Juwarkar, A.A.; Jambhulkar, H.P. [National Environmental Engineering Research Institute, Nagpur (India)

    2008-07-15

    Field experiment was conducted on mine spoil dump on an area of 10 ha, to restore the fertility and productivity of the coal mine spoil dump using integrated biotechnological approach. The approach involves use of effluent treatment plant sludge (ETP sludge), as an organic amendment, biofertilizers and mycorrihzal fungi along with suitable plant species. The results of the study indicated that amendment with effluent treatment plant sludge (ETP sludge), at 50 ton/ha improved the physico-chemical properties of coal mine spoil. Due to biofertilizer inoculation different microbial groups such as Rhizobium, Azotobacter and VAM spores, which were practically absent in mine spoil improved greatly. Inoculation of biofertilizer and application of ETP sludge helped in reducing the toxicity of heavy metals such as chromium, zinc, copper, iron, manganese lead, nickel and cadmium, which were significantly reduced to 41%, 43%, 37%, 37%, 34%, 39%, 37% and 40%, respectively, due to the increased organic matter content in the ETP sludge and its alkaline pH (8.10-8.28), at which the metals gets immobilized and translocation of metals is arrested. Thus, amendment and biofertilizer application provided better supportive material for anchorage and growth of the plant on coal mine spoil dump.

  18. The impact of ownership structure on bank credit risk: Evidence from Bangladesh

    Directory of Open Access Journals (Sweden)

    Niluthpaul SARKER

    2017-05-01

    Full Text Available This study investigates the impact of ownership structure of Commercial Banks on bank credit risk in an emerging market like Bangladesh. Prais Winten regression model is applied to a sample of 32 commercial banks from the year of 2000 to 2014 with 390 observations. The result reveals that National Commercial Banks, depositors’ influence, shareholders’ influence, liquidity and profitability are negatively associated with credit risk whereas lag risk has a significant positive impact on credit risk. The effect of banks ownership structure on credit risk divulges a delicate governance of the banking sector. The study conveys a momentous implication of research findings in the national economy. It also found that national commercial banks have the tendency of violating the rules and absorbing heavy risk. It suggests that policy maker should rethink about the government ownership of banks. Therefore the denationalization or reducing government ownership structure is highly recommended.

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

    Directory of Open Access Journals (Sweden)

    Sardar Shaker Ibrahim

    2017-02-01

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

  20. The impact of bank ownership concentration on impaired loans and capital adequacy

    NARCIS (Netherlands)

    Shehzad, Choudhry Tanveer; de Haan, Jakob; Scholtens, Bert

    This paper examines the impact of bank ownership concentration on two indicators of bank riskiness, namely banks' non-performing loans and capital adequacy. Using balance sheet information for around 500 commercial banks from more than 50 countries averaged over 2005-2007, we find that concentrated

  1. Loan Performance Of Development Banks And Their Impact On ...

    African Journals Online (AJOL)

    Development banks were set up and restructured over the years in Nigeria by various governments to enhance self reliance and improve incomes of rural and urban farmers in Nigeria with huge sums of money. This paper investigated the extent to which one of such banks, NACRDB, had impacted on farmers' income level ...

  2. Heavy metal concentration in forage grasses and extractability from some acid mine spoils

    Energy Technology Data Exchange (ETDEWEB)

    Taylor, R.W.; Ibeabuchi, I.O.; Sistani, K.R.; Shuford, J.W. (Alabama A and M University, Normal (United States). Department of Plant and Soil Science)

    1993-06-01

    Laboratory and greenhouse studies were conducted on several forage grasses, bermudagrass ([ital Cynodon dactylon]), creeping red fescue ([ital Festuca rubra]), Kentucky 31-tall fescue ([ital Festuca arundinacea]), oat ([ital Avena sativa]), orchardgrass ([ital Dactylis glomerata]), perennial ryegrass ([ital Lolium perenne]), sorghum ([ital Sorghum bicolor]), triticale (X. [ital triticosecale Wittmack]), and winter wheat ([ital Triticum aestivum]) grown on three Alabama acid mine spoils to study heavy metal accumulation, dry matter yield and spoil metal extractability by three chemical extractants (Mehlich 1, DTPA, and 0.1 M HCl). Heavy metals removed by these extractants were correlated with their accumulation by several forage grasses. Among the forages tested, creeping red fescue did not survive the stressful conditions of any of the spoils, while orchard grass and Kentucky 31-tall fescue did not grow in Mulberry spoil. Sorghum followed by bermudagrass generally produced the highest dry matter yield. However, the high yielding bermudagrass was most effective in accumulating high tissue levels of Mn and Zn from all spoils (compared to the other grasses) but did not remove Ni. On the average, higher levels of metals were extracted from spoils in the order of 0.1 M HCl[gt] Mehlich 1[gt] DTPA. However, DTPA extracted all the metals from spoils while Mehlich 1 did not extract Pb and 0.1 M HCl did not extract detectable levels of Ni. All of the extractants were quite effective in determining plant available Zn from the spoils. For the other metals, the effective determination of plant availability depended on the crop, the extractant, and the metal in concert. 20 refs., 6 tabs.

  3. Investigation on the spoiling of meat using PTR-MS

    International Nuclear Information System (INIS)

    Mayr, D.; Maerk, T.D.; Margesin, R.; Schinner, F.

    2002-01-01

    The spoiling of meat was investigated. Beef (pork) were wrapped into different kinds of packages (air and vacuum) and stored at 4 o C for 10 (13) days. The emitted volatile organic compounds (VOCs) in the course of time were measured and a large increase in these emissions after a few days of storage was found. Also a large difference in the spoiling behavior between vacuum- and air- packed meat was observed. The measurements were performed using a proton-transfer-reaction-mass spectrometer(PTR-MS) system, it allows on-line monitoring of volatile organic compounds (VOCs) concentrations. Ethylacetate, methylpropionate, and propylformate were detected as typical spoiling compounds in pork samples. After 3.5 days the concentrations started to exponentially increase, but after 6 days remained more or less unchanged. This VOCs behaviour corresponds to a typical bacterial growth curve. Therefore, it was concluded that bacteria produce these components. In a second measurements set, the VOCs emitted by beef under aerobic (normal packed) and anaerobic (vacuum packed) conditions were compared. In the case of normal air-packed beef, the above mentioned spoiling compounds strongly increased with the time, while with the vacuum-packed beef a strong increase of ethanol was detected. This method as a replacement of the bacteriological examinations of meat spoilage is proposed. (nevyjel)

  4. Impact of Technological Innovations on Customers in an Emerging Banking Industry in Ghana

    DEFF Research Database (Denmark)

    Kofi Wireko, Joseph; Ameme, Bright

    2016-01-01

    . Whilst banks derive efficiency from these innovations, customers are however impacted with convenience and transaction costs offered by these innovative services and electronic activities. This study sought to understand the impact of these electronic banking services on customer satisfaction and related....... Whilst the study concluded that there is a significant relationship between customer satisfaction and technological innovations in the Ghanaian banking industry, it was revealed that the costs associated with technological innovations in banking have also increased transactions costs to the disadvantages......Without continuous technological innovations in today’s highly digital world, it will be extremely difficult for banks to remain relevant within the competitive landscape. Bank customers are also becoming very sophisticated and their demands drive the direction of these technological innovations...

  5. Accumulation of some metals by legumes and their extractability from acid mine spoils

    International Nuclear Information System (INIS)

    Taylor, R.W.; Ibeabuchi, I.O.; Sistani, K.R.; Shuford, J.W.

    1992-01-01

    A greenhouse study was conducted to investigate the growth (dry matter yield) of selected legume cover crops; phytoaccumulation of metals such as Zn, Mn, Pb, Cu, Ni, and Al; the extractability of heavy metals from three different Alabama acid mine spoils. The spoils were amended based on soil test recommended levels of N, P, K, Ca and Mg prior to plant growth. Metals were extracted by three extractants (Mehlich 1, DTPA, and 0.1 M HCl) and values correlated with their accumulation by the selected legumes. Among the cover crops, kobe lespedeza Lespedeza striata (Thung.) Hook and Arn, sericea lespedeza Lespedeza cuneata (Dum.) G. Don, and red clover (Trifolium pratense L.) did not survive the stressful conditions of the spoils. However, cowpea (Vigna unguiculata L.) followed by 'Bragg' soybean Glycine max (L.) Merr. generally produced the highest dry matter yield while accumulating the largest quantity of metals, except Al, from spoils. The extractability of most metals from the spoils was generally in the order of: 0.1 MHCl > DTPA. Mehlich 1 did not extract Pb and 0.1 M HCl did not extract Ni, whereas DTPA extracted all the metals in a small amount relative to HCl and Mehlich 1. All the extractants were quite effective in removing plant-available Zn from the spoils. In general, the extractants' ability to predict plant-available metals depended on the crop species, spoil type, and extractant used. 28 refs., 4 tabs

  6. IMPACT OF RELATIONSHIP MARKETING ON CUSTOMER LOYALTY IN THE BANKING SECTOR

    OpenAIRE

    Mukhiddin Jumaev; Prof. Dr. Dileep Kumar. M.; Jalal R. M. Hanaysha

    2012-01-01

    The purpose of this study is to discuss the impact of customer loyalty in banking sector. The customer loyalty in banking has seen a major concern to practitioners due to severe competition and higher customer expectations. Further to that, one way to enhance customer loyalty in banking is by focusing on offering excellent services and meeting the needs of customer. Banks need to have a good understanding of their customer behaviour so that appropriate marketing strategies directed towards re...

  7. Staying, dropping or switching : The impacts of bank mergers on small firms

    NARCIS (Netherlands)

    Degryse, H.A.; Masschelein, N.; Mitchell, J.

    2011-01-01

    Assessing the impacts of bank mergers on small firms requires separating borrowers with single versus multiple banking relationships and distinguishing the three alternatives of “staying,” “dropping,” and “switching” of relationships. Single-relationship borrowers who “switch” to another bank

  8. Revegetation of metalliferous mine spoil contaminated by lead and zinc

    Energy Technology Data Exchange (ETDEWEB)

    Johnson, M S; McNeilly, T; Putwain, P D

    1977-04-01

    Plant growth and development on metalliferous mine spoil is restricted by the high concentrations of phytotoxic metals and by the low levels of macronutrients in the substrates. Swards established on innocuous amendments applied to the surface of mine spoil deteriorate when roots penetrate to the underlying toxic substratum. This deterioration is attributed to the accumulation of toxic metals. The rate of decline is determined by the inherent fertility of the amendment and the depth to which it is applied. Results of field trials on calcareous and acidic lead/zinc spoils indicate that inert amendments may be more suitable where revegetation is for amenity or recreational purposes. Legumes are essential components of low-maintenance swards established on substrates of low nutrient status.

  9. Colonization of colliery spoil heaps by millipedes (Diplopoda) and terrestrial isopods (Oniscidea) in the Sokolov region, Czech Republic

    Czech Academy of Sciences Publication Activity Database

    Tajovský, Karel

    2001-01-01

    Roč. 9, č. 4 (2001), s. 365-369 ISSN 1061-2971 Institutional research plan: CEZ:AV0Z6066911 Keywords : colliery spoil heaps * succession * rekultivation Subject RIV: EH - Ecology, Behaviour Impact factor: 1.011, year: 2001

  10. Identification of ecotype-specific marker genes for categorization of beer-spoiling Lactobacillus brevis.

    Science.gov (United States)

    Behr, Jürgen; Geissler, Andreas J; Preissler, Patrick; Ehrenreich, Armin; Angelov, Angel; Vogel, Rudi F

    2015-10-01

    The tolerance to hop compounds, which is mainly associated with inhibition of bacterial growth in beer, is a multi-factorial trait. Any approaches to predict the physiological differences between beer-spoiling and non-spoiling strains on the basis of a single marker gene are limited. We identified ecotype-specific genes related to the ability to grow in Pilsner beer via comparative genome sequencing. The genome sequences of four different strains of Lactobacillus brevis were compared, including newly established genomes of two highly hop tolerant beer isolates, one strain isolated from faeces and one published genome of a silage isolate. Gene fragments exclusively occurring in beer-spoiling strains as well as sequences only occurring in non-spoiling strains were identified. Comparative genomic arrays were established and hybridized with a set of L. brevis strains, which are characterized by their ability to spoil beer. As result, a set of 33 and 4 oligonucleotide probes could be established specifically detecting beer-spoilers and non-spoilers, respectively. The detection of more than one of these marker sequences according to a genetic barcode enables scoring of L. brevis for their beer-spoiling potential and can thus assist in risk evaluation in brewing industry. Copyright © 2015 Elsevier Ltd. All rights reserved.

  11. Impact of CRM practices on service quality in the banking industry

    Directory of Open Access Journals (Sweden)

    Sana Hafeez

    2017-06-01

    Full Text Available The present study investigates the impact of customer relationship management practices on the service quality in the banking sector. CRM practices have been found to greatly influence not only the customer satisfaction and loyalty but also the quality of services provided by organization. The study focuses on three CRM practices of Attitude towards clients, Efficiency of banking services and Knowledge ability and their impact on the service quality. As customers are more aware about the services so they ensure service quality. Employee’s knowledge ability helps customers to gain experience that actually leads towards service quality and efficiency in services provided by the banks also help in service quality. The study used survey design and the sample consisted of 230 respondents. These respondents were customers of different banks in the city of Rawalpindi, Pakistan. The results indicate that knowledge ability of employees and attitude towards clients is having significant influence on service quality. However, CRM practice of Efficiency of banking services was found to be insignificant. The study has managerial implications for the banking industry. The study also provides future directions.

  12. The Impact of International Financial Crisis on Bank Performance in Eastern and Central European Countries

    Directory of Open Access Journals (Sweden)

    Alin-Marius Andrieș

    2016-05-01

    Full Text Available In this paper we investigate the determinants of bank profitability in 10 countries from Central and Eastern Europe, in the period between 2004 and 2013. We proxy the profitability of banks with more commonly used ratio: the return on assets (ROA, computed as a ratio of the net profit to the total bank assets. We used multiple regression with bank specific variables, banking industry variables and macroeconomic variables. Moreover, we added a global financial crisis dummy to highlight the crisis impact on asset return. OLS is the main estimation method, but we also used difference-in-difference in order to test if the crisis impact was amplified or diminished by the bank specific characteristics. The evidence shows significant differences between the profit levels of the CEEC banks. Our results are in line with the empirical literature. The impact of the international financial crisis on ROA was negative and statistically significant, as expected. The second part of the analysis we separate the banks sample in three categories: banks with high capital adequacy, large banks by total assets and foreign-owned banks. Our findings show that the three selected variables both amplified and decreased the crisis effect.

  13. THE IMPACT OF THE FOREIGN CAPITAL BANKS ON ENSURING FINANCIAL STABILITY ON LONG TERM

    Directory of Open Access Journals (Sweden)

    Isac\tBORS

    2015-06-01

    Full Text Available The present study is focusing on analysing the role played by the foreign banks within the national and international banking system as well the impact the foreign banks have on the autochthon banking system, on the financial activity, on the real economy and on the financial stability on long terms. The research conducted highlights the fact that along the positive impact on the banking system and on the economy of the host country, generated by their quality as vectors of mobilizing and directioning the international financial flows towards the host country, there can also be considered a negative impact. The study shows that the impact of the negative effects, that have as main cause the reversibility of the international financial flows, depends, on a great extent, on the specific conditions of the host country, on the characteristics of the foreign banks, but mostly, by the share held by the foreign countries within the framework of the host banking system. Starting from the role played by the capitalization of the banking system to ensure financial stability, the research made on Romania’s case shows both, the positive effects generated by the presence of the foreign banks and also, their vulnerability in front of this excessive dependence on the foreign capital induced by this presence. The solution to reduce this dependence can only come from the autochthon capital direction whose mobilization may countervail the gap made by the foreign banks and, by surceasing the process of financial disintermediation, to ensure the maintenance of the financial stability on long term.

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

    Directory of Open Access Journals (Sweden)

    Nataliya Prikazyuk

    2017-11-01

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

  15. The Impact of Revenue Diversification on Bank Profitability and Stability: Empirical Evidence from South Asian Countries

    Directory of Open Access Journals (Sweden)

    Shoaib Nisar

    2018-04-01

    Full Text Available This paper is a contribution to the ongoing debate on the benefits and drawbacks of bank revenue diversification. Revenue diversification may benefit banks if diversified activities are inherently less risky and possess high returns, while it may hurt banks if diversified activities are more risky and have low returns. Analyzing a panel dataset of 200 commercial banks from all South Asian countries, we found that overall revenue diversification into non-interest income has a positive impact on the profitability and stability of South Asian commercial banks. We further observed that different types of non-interest income-generating activities have different impacts on bank performance and stability. While fees and commission incomes have a negative impact on the profitability and stability of South Asian commercial banks, other non-interest income has a positive impact. Our results imply that banks can benefit from revenue diversification if they diversify into specific types of non-interest income-generating activities. Our findings are robust and relevant to the use of alternative measures of revenue diversification, profitability and stability.

  16. Growth strategy of heterotrophic bacterial population along successional sequence on spoil of brown coal colliery substrate

    Czech Academy of Sciences Publication Activity Database

    Krištůfek, Václav; Elhottová, Dana; Chroňáková, Alica; Dostálková, I.; Picek, T.; Kalčík, Jiří

    2005-01-01

    Roč. 50, č. 5 (2005), s. 427-435 ISSN 0015-5632 R&D Projects: GA ČR(CZ) GA526/03/1259 Institutional research plan: CEZ:AV0Z60660521 Keywords : growth strategy * heterotrophic bacterial population * brown coal colliery spoil Subject RIV: EH - Ecology, Behaviour Impact factor: 0.918, year: 2005

  17. Environmental research - development of the material balance of oak tree ecosystems on quaternary spoil bank substrates of coal mines; Umweltforschung - Entwicklung des Stoffhaushaltes von Eichenoekosystemen auf quartaeren Kippsubstraten des Braunkohlenbergbaues

    Energy Technology Data Exchange (ETDEWEB)

    Katzur, J.; Knoche, D.

    2000-07-01

    Investigations have shown that even the very first forest generation on spoil banks already have high vitality. However, it is well known that pioneering terrestrial ecosystems have a high water and material turnover dynamics which will quickly influence the soil at that site but is not an indication of the development of a stable ecosystem. Long-term measurements were therefore made in oak forest ecosystems on quaternary spoil bank sands in order to achieve a quantification (Boxberg: Q. rubra L., 2 years; Kleinleipisch: Q. rubra L., 21 years; Annahuetter: Q. rubra L., 63 years). The results were compared with a virgin soil reference site (Neusorgefeld: Q. rubra L., 41 years). [German] Seit Jahrzehnten praegen Braunkohlentagebaue das Landschaftsbild und den Wasserhaushalt der Niederlausitz. Bislang wurden ca. 770 km{sup 2} ueberwiegend forstlich genutzter Flaechen devastiert und auf 2.100 km{sup 2} rund 9,5 Mrd. m{sup 3} statischer Grundwasservorraete entnommen. Im Zuge der seit 1990 drastisch verringerten Kohlefoerderung und forcierten Bergbausanierung erreicht die Rekultivierungsflaeche zwischenzeitlich rund 450 km{sup 2}, wobei die forstliche Folgenutzung mit 60% der Flaeche dominiert. Zahlreiche wachstumskundliche Untersuchungen belegen, dass sich bereits in der ersten Waldgeneration auf Kippe wuechsige und vitale Bestaende etablieren. Vegetations- und ertragskundliche Parameter wie z.B. Artenzusammensetzung, Naehrstoffversorgung, laufender Zuwachs oder Vorratshaltung sind jedoch per se noch keine hinreichenden Kriterien zur Einschaetzung der Entwicklungsdynamik und damit des angestrebten Rekultivierungserfolgs. Bekannterweise zeichnen sich im Aufbau befindliche terrestrische Oekosysteme generell durch eine ausgepraegte Wasser- und Stoffdynamik aus, welche im Zuge bodengenetischer Prozesse meist eine rasche Standortveraenderung bewirkt. Da das Standortpotential zum Rekultivierungszeitpunkt nicht prognostiziert werden kann, ist offen, ob sich bereits in der

  18. The impact of corruption on the soundness of Islamic banks

    Directory of Open Access Journals (Sweden)

    Khemaies Bougatef

    2015-12-01

    Full Text Available Islamic banking is developing rapidly around the world and is increasingly recognized as a viable alternative mode of financing especially these last years when capitalism has shown its limits and weaknesses. However, this astronomical growth of banking and Islamic finance was associated with a high level of corruption that plagues many Muslim countries. This ailment of corruption can deter Islamic banking to be a better effective and meaningful pathway for poverty reduction and economic development. The purpose of this paper is to investigate the impact of corruption on the soundness of Islamic banks (IBs. Using a panel of 69 IBs over the period 2008–2010, we provide robust evidence that the corruption level aggravates the problem of impaired financing.

  19. THE IMPACT OF GLOBALISATION ON BANKING SERVICE QUALITY IN ZIMBABWE (2003-2008

    Directory of Open Access Journals (Sweden)

    KOSMAS NJANIKE

    2010-01-01

    Full Text Available The study sought to investigate the impact of globalization on the quality of products in a developing economy banking sector. The objectives of the research were to ascertain whether globalisation helps restore or maintain confidence in the banking sector; ensure a sound financial sector; helps reduce fraudulent activities and whether the implementation of global measures improves the quality of products in the banking sector. Zimbabwe banking sector was used as a case study. Questionnaires and interviews were used to collect the data in addition to documentary review. It was found that globalization ensures efficient service delivery as human bank tellers; long queues and underutilisation of internetwere still in existence in the banking system. Globalisation of the banking sector is essential in that it brings new technology which help improve banking services and infrastructure hence reduce fraudulent activities, new risk management techniques and increased confidence in the banking sector.

  20. Phytoremediation of spoil coal dumps in Western Donbass (Ukraine)

    Science.gov (United States)

    Klimkina, Iryna; Kharytonov, Mykola; Wiche, Oliver; Heilmeier, Hermann

    2017-04-01

    At the moment, in Ukraine about 150 thousand hectares of fertile land are occupied by spoil dumps. Moreover, this figure increases every year. According to the technology used about 1500 m3 of adjacent stratum is dumped at the surface per every 1000 tons of coal mined. Apart from land amortization, waste dumps drastically change the natural landscape and pollute air, soil and water sources as the result of water and wind erosion, as well as self-ignition processes. A serious concern exists with respect to the Western Donbass coal mining region in Ukraine, where the coal extraction is made by the subsurface way and solid wastes are represented by both spoil dumps and wastes after coal processing. Sulphides, mostly pyrite (up to 4% of waste material), are widely distributed in the waste heaps freshly removed due to coal mining in Western Donbass.The oxidation of pyrite with the presence of oxygen and water is accompanied by a sharp drop in the pH from the surface layer to the spoil dumps(from 5.2-6.2 to 3.9-4.2 in soil substrates with chernozen and from 8.3-8.4 to 6.7-7.2 in soil substrates with red-brown clay, stabilizing in dump material in both cases at 2.9-3.2). Low pH generates the transformation of a number of toxic metals and other elementspresent in waste rock (e.g. Fe, Al, Mn, Zn, Mo, Co, As, Cd, Bi, Pb, U) into mobile forms. To stabilize and reduce metal mobility the most resistant plants that occur naturally in specified ecosystems can be used. On coal spoil dumpsin Western Donbas the dominant species are Bromopsis inermis, subdominant Artemisia austriaca; widespread are also Festucas pp., Lathyrus tuberosus, Inula sp., Calamagrostis epigeios, Lotus ucrainicus, and Vicias pp. Identification of plants tolerant to target metals is a key issue in phytotechnology for soil restoration. It is hypothesized that naturally occurring plants growing on coal spoil dumps can be candidates for phytostabilization, phytoextraction (phytoaccumulation) and phytomining

  1. Investigating the psychological impact of bank robbery: a cohort study.

    Science.gov (United States)

    Hansen, Maj; Armour, Cherie; Shevlin, Mark; Elklit, Ask

    2014-06-01

    Despite numerous annual bank robberies worldwide, research in the psychological sequelae of bank robberies is sparse and characterized by several limitations. To overcome these limitations we investigated the psychological impact of bank robbery in a cohort study by comparing general levels of traumatization and somatization in employees never exposed to robbery and employees exposed to robbery at different degrees and time-points, while controlling for selected risk factors of posttraumatic distress. Multivariate regression analyses showed that only the acute directly exposed robbery group which had a significantly higher score on general traumatization and somatization compared to the control group whilst controlling for other factors. In conclusion, bank robbery exposure appears to be especially associated with psychological distress in the acute phase and in victims present during the robbery. After the acute phase, other factors appear more important in predicting general traumatization and somatization in bank employees compared to exposure to robbery. Copyright © 2014 Elsevier Ltd. All rights reserved.

  2. Definition of rehabilitation strategies for pre-strip tertiary spoil at coal mines in central Queensland

    International Nuclear Information System (INIS)

    Bell, L.C.; Mulligan, D.R.; Mitchell, R.J.; Philp, M.W.; Roe, P.A.

    1994-01-01

    In the open-cut coal mines of central Queensland, the conventional dragline removal of overburden results in a spoil surface dominated by Permian sediments. In recent years, however, a number of mines have changed their coal exposure methods to include a pre-stripping operation to create a bench for the dragline up to 50 m below the surface. This approach has allowed economic coal recovery from greater depths, but, since this pre-strip material is being deposited on existing spoil piles, it has resulted in a major change in the type of spoil material on the surface. The aims of this project were, firstly, to define the characteristics of this pre-strip material that could cause problems for the establishment and growth of both introduced pasture grasses and native tree species, and secondly, to explore possible spoil amendments which could ameliorate some or all of these limitations. Analyses on the range of spoils included pH, EC and sodicity. Straw mulch also reduced the crust strength and was an effective means of improving vegetative establishment. A complementary field trial was established at Saraji mine in April 1991, and after 4 months, treatments which involved a 30 cm capping of soil on the spoil resulted in the highest densities of tree seedling

  3. The Impact of Monetary Policy on Bank Credit During Economic Crisis: Indonesia's Experience

    OpenAIRE

    Mongid, Abdul

    2008-01-01

    The monetary policy mechanism by which monetary policy was transmitted to thereal economy had emerged as the pivotal discussion topic recently. This paper tried to discussthe impact of Bank Indonesia’s monetary policy on loan bank. By using simple loan bankframework we concluded that monetary policies were able to influence loan bank. Themonetary variables such as discount rate policy, base money and exchange rate policy werevery important in determining the banking credit. As the credit was ...

  4. 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-.

  5. The impact of development of customer online banking skills on customer adviser skills

    OpenAIRE

    Dubois, M.; Bobillier Chaumon, M.-E.; Retour, Didier

    2011-01-01

    International audience; The object of this article is the development of customer banking skills as a result of using online banking and its impact on the competence of customer advisers in face-to-face customer contacts. We focus on the use of software applications by customer advisers (CA) during customer contacts. The main results show that online banking enables customers to develop a range of banking skills. In order to deliver the service required by the context, advisers select the req...

  6. 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...

  7. Reforestation of bauxite mine spoils with Eucalyptus tereticornis Sm. seedlings inoculated with arbuscular mycorrhizal fungi

    Directory of Open Access Journals (Sweden)

    N. Krishnakumar

    2012-11-01

    Full Text Available Open cast mining for bauxite at Yercaud hills (India resulted indegradation of forest ecosystem and production of large quantities of waste rocks (called mine spoils. To ameliorate mine spoils, topsoil is used to spread over before the planting of tree species, conventional method as the topsoil has a good structure, water holding capacity and beneficial microbes like Arbuscular Mycorrhizal (AM fungi essential for plant growth.However, the use of top soil is expensive and in this study bauxite mine spoils were reforestated with AM fungi instead of it. The beneficial microbes AM fungi (Glomus aggregatum Schenck & Smith, G. fasciculatum(Thatcher Gerd. & Trappe emend. Walker & Koske, G. geosporum(Nicol. & Gerd. Walker were isolated, cultured and inoculated into the seedlings of Eucalyptus tereticornis Sm. and grown in bauxite mine spoils as potting medium under nursery conditions. Then, the biomass improved seedlings of E. tereticornis with inoculation of AM fungi were directly transplanted at bauxite mine spoils. After transplantation of the seedlings at bauxite mine spoils, the growth and survival rate were monitored for two years. The AM fungi inoculated seedlings of E. tereticornis showed 95% survival over the control seedlings and their growth was also significantlyhigher. Tissue nutrients (N, P, K were also found higher inAM fungi inoculated E. tereticornis than un inoculated control seedlings.

  8. Reforestation of Bauxite mine spoils with Eucalyptus tereticornis Sm. seedlings inoculated with Arbuscular mycorrhizal fungi

    Directory of Open Access Journals (Sweden)

    A. Karthikeyan

    2012-12-01

    Full Text Available Open cast mining for bauxite at Yercaud hills (India resulted in degradation of forest ecosystem and production of large quantities of waste rocks (called mine spoils. To ameliorate mine spoils, topsoil is used to spread over before the planting of tree species, conventional method as the topsoil has a good structure, water holding capacity and beneficial microbes like Arbuscular Mycorrhizal (AM fungi essential for plant growth. However, the use of top soil is expensive and in this study bauxite mine spoils were reforestated with AM fungi instead of it. The beneficial microbes AM fungi (Glomus aggregatum Schenck & Smith, G. fasciculatum (Thatcher Gerd. & Trappe emend. Walker & Koske, G. geosporum (Nicol. & Gerd. Walker were isolated, cultured and inoculated into the seedlings ofEucalyptus tereticornis Sm. and grown in bauxite mine spoils as potting medium under nursery conditions. Then, the biomass improved seedlings of E. tereticornis with inoculation of AM fungi were directly transplanted at bauxite mine spoils. After transplantation of the seedlings at bauxite mine spoils, the growth and survival rate were monitored for two years. The AM fungi inoculated seedlings ofE. tereticornis showed 95% survival over the control seedlings and their growth was also significantly higher. Tissue nutrients (N, P, K were also found higher in AM fungi inoculated E. tereticornis than un inoculated control seedlings. 

  9. THE IMPACT OF BASEL III AGREEMENT ON THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Mihaela SUDACEVSCHI

    2015-07-01

    Full Text Available Basel III Agreement is a set of regulations on the banking system, which aims to ensure the system stability, by applying new standards on the capital level and on the liquidity level adequacy and also, on the reduction of banking risk, implied by the financial crisis. Romanian commercial banks will be forced, by the Basel III Agreement implementation, to reduce the risk of capital, using the balance sheet restructuring and by improving the capital quality. The aim of this paper is to analyze the impact of implementing new capital requirements, stipulated by Basel III Agreement, on the Romanian commercial banks, how they will react to the new standards and the decisions they will be able to adopt to respect the standards.

  10. Reclamation of lands transformed by mining activities as an important aspect of environmental protection of the Upper Silesian Coal Basin

    Energy Technology Data Exchange (ETDEWEB)

    Chudek, M; Duchowski, S; Czuber, W

    1976-01-01

    Surface area of lands transformed by coal mining in the basin are analyzed. In 1975 there were 3,110.9 ha of waste lands. Of this, spoil banks dumped on the surface covered 1,019.5 ha, spoil banks located in the cuts of surface mines (e.g. where sand is removed for stowing) or in other subsided places covered 1,064.5 ha, and water reservoirs covered 665.6 ha. Composition of spoil banks produced by black coal mines is analyzed from the point of view of land reclamation. A scheme of reclamation of spoil banks used in the Upper Silesian black coal basin is given. Reclamation of 5 large spoil banks is described. The land reclamation procedure consists in: leveling the spoil bank slopes so that their inclination is 1:10 instead of 1:4. When afforestation is used relatively steep slopes (1:4) are not leveled, centers of endogenic fires are extinguished by packing using rollers, the top layer of a spoil bank is mixed with calcium carbonate (3 to 10 kg/ha), then the top layer of waste fertilized by calcium carbonate is covered with soil (in some cases with fertile soil), soil cover ranges from 15 to 30 cm, the top soil cover is fertilized (dose ranges from 300 to 500 kg/ha). Later lupine is planted and ploughed as additional fertilizer. At a later stage trees and bushes are planted. (10 refs.) (In Polish)

  11. Impacts of relationship banking and capital market concentration on small business finance.

    OpenAIRE

    Zhang, Song

    2016-01-01

    Small business is important to U.S. economy. However, they are difficult to obtain external finance. Since 1990s, deregulations happened in the U.S. banking market and affected small business finance greatly. Relationship banking is an effective lending technology for small business finance. Therefore, this thesis aims to investigate the nature of relationship banking and its impacts by using the data from U.S. Survey of Small Business Finances 1993, 1998 and 2003. The survey is led by U.S. F...

  12. Impact of Liquidity on Islamic Banks' Profitability: Evidence from Bangladesh

    Directory of Open Access Journals (Sweden)

    Limon Moinur Rasul

    2013-04-01

    Full Text Available This study examines the impact of liquidity on Islamic banks’ profitability during an 11 years period of 2001 to 2011. To explore and interpret the results the study has taken samples from five Islamic banks that have been in operation in Bangladesh on or before 2001 to till date. In order to construct the liquidity model it used four liquidity variables namely cash & due from banks to total assets (CDTA, cash & due from banks to total deposits (CDDEP, investment to total assets (INVSTA and investment to total deposits (INVSDEP. According to adjusted R squares profitability variables return on assets (ROA, return on equity (ROE and return on deposits (ROD are respectively 17.1%, 4.5% and 24.6% dependent on independent variables. The statistical results suggest that CDTA is found insignificant with all profitability variables, whereas CDDEP is individually significant with all profitability variables except ROE. On the other hand INVSTA and INVSDEP are recognized significant with all three profitability variables. However, when ROE stands for an insignificant relationship with the overall liquidity model, ROA and ROD are identified significantly correlated with the similar model at 1% significant level. Unsurprisingly the findings do strengthen the specification that the impact of liquidity reflects adequate imposition on profitability that the Islamic banks in Bangladesh must abide by.

  13. 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.

  14. Governance of the impact of price satisfaction dimensions on mobile banking adoption

    Directory of Open Access Journals (Sweden)

    Pinigas Mbengo

    2017-12-01

    Full Text Available The Reserve Bank of Zimbabwe has encouraged the use of mobile banking services in a bid to promote financial inclusion and as an additive banking channel to compliment traditional banking model. The mobile phones have phenomenally changed the way the Zimbabwean banking industry is conducting business. The major purpose of this study is to critically examine the impact of influence of price satisfaction dimensions on behavioural intention to adopt mobile banking. The study used a descriptor-explanatory design whereby descriptive design was a precursor to explanation. Data was collected using a questionnaire and analysed using the Statistical Package for Social Sciences (SPSS. Findings show that relative prices had the strongest positive influence on behavioural intention to adopt mobile banking. However, price confidence did not indicate any significant relationship with dependent behavioural intention and the hypothesis so associated was therefore not supported. Price fairness and price transparency had negative significant relationships with the dependent variable behavioural intention to adopt mobile banking. Given these findings, the researchers made recommendations to various stakeholders in the banking industry. This study is important because it highlights the dimensions that are powerful predictors in attracting new customers in the mobile baking industry.

  15. 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.

  16. A Spectral Emissivity Library of Spoil Substrates

    Czech Academy of Sciences Publication Activity Database

    Pivovarník, Marek; Pikl, Miroslav; Frouz, J.; Zemek, František; Kopačková, V.; Notesco, G.; Ben Dor, E.

    2016-01-01

    Roč. 1, č. 2 (2016) E-ISSN 2306-5729 R&D Projects: GA MŠk(CZ) LO1415 Institutional support: RVO:86652079 Keywords : post-mining sites * spectral emissivity * spectral library * spoil substrates Subject RIV: EH - Ecology, Behaviour OBOR OECD: Environmental sciences (social aspects to be 5.7)

  17. Dredge spoil disposal off Kavaratti Island, Lakshadweep, India

    Digital Repository Service at National Institute of Oceanography (India)

    Chandramohan, P.; SanilKumar, V.; Jayakumar, S.

    Maintenance dredging has been carried out along the navigational channel at Kavaratii Island and dredge spoil is disposed in the open sea. This paper describes the movement of sediment plume while dredging and disposal. The study indicates...

  18. The impact of risk factors on the financial performance of the commercial banking sector in Barbados

    Directory of Open Access Journals (Sweden)

    Anthony Wood

    2018-03-01

    Full Text Available The objective of this paper is to determine the impact of risk factors on the financial performance of the commercial banking sector in Barbados using quarterly data for the period 2000 to 2015. The empirical results indicate that Capital Risk, Credit Risk, Liquidity Risk, Interest Rate Risk and Operational Risk have statistically significant impacts on financial performance. The only risk variable which does not derive this result is Country Risk. In addition, of those variables which proxy external factors, only GDP Growth has a statistically insignificant influence on financial performance. Credit risk exerted a negative impact on the banks’ financial performance, thus the banks must ensure they adopt appropriate measures to minimise the impact of this risk. Higher levels of capital impacted positively on the banking sector’s profitability. This paper is the first effort employing such an extensive dataset based on Barbados’ commercial banking sector and shows the main factors that influence commercial banks’ financial performance in this developing economy.

  19. Inoculum density of Glomus mosseae and growth of onion plants in unsterilized bituminous coal spoil

    Energy Technology Data Exchange (ETDEWEB)

    Khan, A.G.

    1988-01-01

    The effect of inoculum, density (number of vesicular-arbuscular mycorrhizal (VAM) propagules g/sup -1/ of inoculum) on the growth of onions (Allium cepa L.) infected by Glomus mosseae (Nicol and Gerd). Gerdemann and Trappe, Comb nov in unsterilized coal spoil containing indigenous VAM fungi, including G. mosseae, was investigated. The amount of onion roots converted to mycorrhizas by inoculant fungus, estimated by a gridline intersect method, increased with inoculum density (..gamma..0.62, P0.05) until a plateau was reached. Onion growth responses also increased significantly (P<0.05) with the amount of VAM inoculum present in the coal spoil. The initial linear relationship between inoculum propagules (MPN estimates), percent colonization of onion roots and onion shoot dry weight became quadratic as the number of infection propagules increased. VAM infection had no significant effect on root:shoot ratios. Similarly there was no significant interaction (P>0.05) between the inoculum density, VAM-colonized root mass and the onion root:shoot fresh weight ratios. The amount of the windswept bituminous coal spoil bound to VAM (presumably because of VAM external hyphae) also increased as inoculum density increased (..gamma..0.63, P<0.05). There was a stronger correlation (ga0.85, P<0.05) between the amount of spoil adhered per plant and the root fresh wt plant/sup -1/ indicating that root effects were primarily responsible for increasing spoil adherence. There were negative correlations (P<0.05) between root fresh wt plant/sup -1/ (..gamma..-0.68), inoculum density (..gamma..-0.589), percent root elngth infected (..gamma..-0.73) and the amount of spoil adhered g/sup -1/ root fresh wt. The possible exploitation of VAM in revegetation of bituminous coal spoil is discussed. 25 refs., 2 tabs.

  20. Survival and growth of wildlife shrubs and trees on acid mine spoil

    Energy Technology Data Exchange (ETDEWEB)

    Fowler, D.K.; Adkisson, L.F.

    1980-01-01

    The purpose of this study was to assess the survival and growth of selected wildlife plants over a wide range of acid mine spoil conditions and to identify species suitable for surface mine reclamation. A major criterion in selection of study sites was inclusion of a wide range of spoil acidity conditions. The Ollis Creek (Study Area A) and Farrell (Study Area B) coal surface mines located in Campbell and Scott Counties, Tennessee, were selected for study. Seven plant species, all of which had been used in past reclamation demonstrations, were introduced on the 22 plots during March 1972. Autumn olive (Elaeagnus umbellata) was included as a control plant. Ten additional plant species were introduced during March 1973. With the exception of highbush blueberry (Vaccinium corymbosum var.). European filbert (Corylus avellana), and red maple (Acer rubrum), these species had not been used in TVA reclamation demonstrations. To assess the effects of spoil pH on the plants, the plots were grouped into seven pH categories, and mean percent survival and growth for each species were calculated. Results indicate that autumn olive, elaeagnus cherry, arnot locust, sawtooth oak, red maple, and Toringo crabapple are suitable for quick improvement of surface mine habitat over a wide range of spoil acidity in the Appalachian coalfield. Bessey cherry and European filbert need further study before a decision can be made regarding their reclamation utility. Species that are not recommended for quick habitat improvement over a wide range of surface mine spoil pH conditions include bush honeysuckle, barberry, Siberian crabapple, Manchu cherry, American beautyberry, bear oak, blueberry, rem-red honeysuckle, and redcedar.

  1. Race, Commitment to Deviance, and Spoiled Identity

    Science.gov (United States)

    Harris, Anthony R.

    1976-01-01

    Data generated by 234 young black and white inmates in 1971 challenge the assumption that spoiled identity is a necessary, socially invariant outcome of deviant commitment and self-definition. For blacks, the relationship between criminal self-typing and stability and esteem is negative but inconsequential; for whites, the relationship is negative…

  2. Impact of the joint-stock reform of commercial banks on the effectiveness of monetary policy in China

    Directory of Open Access Journals (Sweden)

    Fang Xianming

    2016-01-01

    Full Text Available Over the past decade, the Chinese government has conducted the joint-stock reform of state-owned commercial banks. The joint-stock reform improves the marketization level of the ownership structure of commercial banks and consequently leads to impacts on the effectiveness of monetary policy. This paper first presents the impacting mechanisms of the joint-stock reform of commercial banks on the effectiveness of monetary policy and then constructs an empirical model to test those impacts. The empirical results show that the increasing degree of joint-stock reform of commercial banks enhances the effectiveness of expansionary monetary policy but weakens the effectiveness of contractionary monetary policy in China.

  3. Impact Of Customer Relationship Management On Customer Retention A Case Of Private Banks Of Sialkot Punjab

    OpenAIRE

    Nayab Bashir

    2017-01-01

    Customer relationship management is good for banking sector to increase in any economic condition and for customers to receive quality services This research check the impact of customer relationship management activities on banks customer retention in Sialkot Punjab. For the purpose of study a sampling analysis was conducted among 330 customers of selected private banks that is Habib Bank limited United Bank limited Faysal Bank limited with the help of a structured questionnaire. 316 questio...

  4. The Impact of Mergers and Acquisitions on the Market Value of Shares of Erste Bank Group

    Directory of Open Access Journals (Sweden)

    Popovici Andreea Nicoleta

    2014-06-01

    Full Text Available Mergers and acquisitions are ways used by banks to improve their profitability and to obtain other advantages. The purpose of this study is to analyze the impact of mergers and acquisitions on the performance of the bidder bank. For this study, I have chosen to research the impact of acquisitions and mergers of Erste Group during 2000-2011, considering the target bank is in Central and Eastern Europe. Using the event study methodology, the result of the study shows that a merger or an acquisition does not improve the value market of the shares of the bidder bank.

  5. Impact of financial liberalization on banking sectors performance from central and eastern European countries.

    Directory of Open Access Journals (Sweden)

    Alin Marius Andries

    Full Text Available In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004-2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity.

  6. Impact of Financial Liberalization on Banking Sectors Performance from Central and Eastern European Countries

    Science.gov (United States)

    Andries, Alin Marius; Capraru, Bogdan

    2013-01-01

    In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004–2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity. PMID:23555745

  7. The Impact of Human Encroachment and River Bank Agricultural ...

    African Journals Online (AJOL)

    The impact of human encroachment and river bank Agricultural activities on the habitat of the manatee (Trichechus Senegalensis) was investigated. The method of data collection involved the use of a structured questionnaire administered to farmers and fishermen. Vegetation survey in three selected sites along the river ...

  8. 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

  9. IMPACT ON E-BANKING DURING THE DEMONETIZATION PHASE IN INDI

    OpenAIRE

    Ms Harsimran Kaur

    2017-01-01

    This paper is about the high impact jolt, the Banking sector faced during the Demonetization drive initiated by our hon’ble PM Narendra Modi on the 8th November,2016. Banking sector is one of the most leading sectors in India-Urban,Rural or Punjab. To control parallel economy, the drive was initiated as a result there was a ban on notes of Rs500& Rs1000 denomination as a legal tender. The Indian Economy faced a huge cash crunch. Going cashless, the population did not have money to buy their d...

  10. 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.

  11. 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.

  12. Establishment of native species on amended and unamended coal mine spoil in central Queensland

    International Nuclear Information System (INIS)

    Bell, L.C.; Mulligan, D.R.; Orr, M.S.; Johnstone, P.

    1994-01-01

    At the Curragh open-cut coal mine in central Queensland, tree and shrub growth on amended and unamended spoil was assessed over a 5-year period. The most successful media in terms of seedling densities were bare spoil and spoil covered by a thin layer of coarse coal reject. Where soil was replaced, very few native species established due to the intense competition from exotic grasses. Given this poor establishment on soil, the question of how well an ecosystem would develop on non-soil media was addressed by assessing the ability of each of the media to support sustainable communities in the longer term. Early results from direct-seeding tree and shrub species onto non-soil media have been quite encouraging, but analysis of the surface horizons has shown that after several years, there are still some characteristics which could either limit the re-establishment, and/or prevent the sustainability, of new communities. Due primarily to the high sulfate levels originally in the coal reject, the surface salinity in these treatments was much higher than in the uncapped spoil. Substrate analyses have shown also that there was a much lower concentration of mineralizable N in the spoil and coal reject than in the soil, revealing that the potential of these non-soil substrates to continue supplying nitrogen to the system is greatly reduced. Furthermore, the concentration of microbial biomass carbon was significantly lower in these media, and the percentage ground cover after 5 years was generally <10%

  13. Spoil pile instabilities with reference to a strip coal mine in Turkey: mechanisms and assessment of deformations

    Science.gov (United States)

    Kasmer, Ozgu; Ulusay, Resat; Gokceoglu, Candan

    2006-02-01

    With the increasing adoption of the surface mining of coal, problems associated with spoil pile instability, which affects resource recovery, mining cost, and safety and presents environmental hazards, have become a matter of prime concern to mine planners and operators. The study of geotechnical aspects is thus very important in the rational planning for the disposal, reclamation, treatment and utilization of spoil material. A strip coal mine, one of the largest open pit mines in Turkey, is located in Central Anatolia and provides coal to a thermal power station. Coal production is carried out in two adjacent open pits, the Central Pit and South Pit. A large-scale spoil pile instability over an area of 0.3 km2 occurred within the dumping area of the Central pit. In addition, small-scale movement occurred in the outside dumping area. This paper outlines the results of field and laboratory investigations to describe the mechanisms of the spoil pile instabilities and to assess deformations monitored over a long period following the failure. Shear test results indicate that the interface between the floor and spoil material dumped by dragline has a negligible cohesion and is the most critical plane of weakness for spoil pile instability. Back analyses based on the method of limit equilibrium and the numerical modelling technique, and observations in the pit revealed that failure occurred along a combined sliding surface consisting of a circular surface through the spoil material itself and a planar surface passing along the interface between the spoil piles and floor. The analyses also indicated that pore water pressure ratios of about 0.25 satisfy limiting equilibrium condition and that rainfall about one month before the failure may be a contributing factor to the instability. Movement monitoring data obtained following the failure over a 1.5-year period suggested that the ongoing deformations were mainly due to compaction of the spoil material. Based on the

  14. Effects of coal spoil amendment on heavy metal accumulation and physiological aspects of ryegrass (Lolium perenne L.) growing in copper mine tailings.

    Science.gov (United States)

    Chu, Zhaoxia; Wang, Xingming; Wang, Yunmin; Liu, Guijian; Dong, Zhongbing; Lu, Xianwen; Chen, Guangzhou; Zha, Fugeng

    2017-12-21

    Copper mine tailings pose many threats to the surrounding environment and human health, and thus, their remediation is fundamental. Coal spoil is the waste by-product of coal mining and characterized by low levels of metals, high content of organic matter, and many essential microelements. This study was designed to evaluate the role of coal spoil on heavy uptake and physiological responses of Lolium perenne L. grown in copper mine tailings amended with coal spoil at rates of 0, 0.5, 1, 5, 10, and 20%. The results showed that applying coal spoil to copper mine tailings decreased the diethylenetriaminepentaacetic acid (DTPA)-extractable Cd, Cu, Pb, and Zn contents in tailings and reduced those metal contents in both roots and shoots of the plant. However, application of coal spoil increased the DTPA-extractable Cr concentration in tailings and also increased Cr uptake and accumulation by Lolium perenne L. The statistical analysis of physiological parameters indicated that chlorophyll and carotenoid increased at the lower amendments of coal spoil followed by a decrease compared to their respective controls. Protein content was enhanced at all the coal spoil amendments. When treated with coal spoil, the activities of superoxide dismutases (SOD), peroxidase (POD), and catalase (CAT) responded differently. CAT activity was inhibited, but POD activity was increased with increasing amendment ratio of coal spoil. SOD activity increased up to 1% coal spoil followed by a decrease. Overall, the addition of coal spoil decreased the oxidative stress in Lolium perenne L., reflected by the reduction in malondialdehyde (MDA) contents in the plant. It is concluded that coal spoil has the potential to stabilize most metals studied in copper mine tailings and ameliorate the harmful effects in Lolium perenne L. through changing the physiological attributes of the plant grown in copper mine tailings.

  15. Stabilization of dredged spoils for pavement construction in the ...

    African Journals Online (AJOL)

    Natural soils underlying the East-West road are mainly clay and silt of poor quality ... on the dredged soils included particle size distribution, compaction and California Bearing Ratio. Cement stabilization was performed on the dredged spoil.

  16. Reestablishing natural succession on acidic mine spoils at high elevations: long-term ecological restoration

    Science.gov (United States)

    Ray W. Brown; Michael C. Amacher; Walter F. Mueggler; Janice Kotuby-Amacher

    2003-01-01

    Methods for restoring native plant communities on acidic mine spoils at high elevations were evaluated in a "demonstration area" in the New World Mining District of southern Montana. Research plots installed in 1976 were assessed for 22 years and compared with adjacent native reference plant communities. A 1.5-acre (0.61-ha) area of mine spoils was shaped and...

  17. ANALYSIS ON IMPACT OF INDRADHANUSH PROJECT IN BANKING SECTOR IN INDIA

    OpenAIRE

    Keshava; Pavithra Kumari

    2016-01-01

    It was on the period of time immediately before the occasion of India`s Independence day 2015 that government announced Indradhanush for Indian Public Sector Banks. The mission aimed to improving the functioning of Public Sector Banks. Modi impressed with the word Indradhanush and loved to give new slogans which can have some impact on the memory of the listeners/ leaders. By using the Indradhanush the bureaucrats in finance minister have tried to appraise Modi as this indicates 7colours (ste...

  18. IMPACT of FINANCIAL CRISIS 2008-2009 on BANKING SECTOR STRUCTURE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    N. Versal

    2015-10-01

    Full Text Available The article deals with the changes in the structure of Ukraine’s banking sector caused by the crisis 2008 – 2009. The research covers the pre-crisis stage (early 2008, the stage of the impact of the global financial crisis (end of 2008 – 2009, the stage of post-crisis development (2010 – 2013. The analysis is done in two areas: the analysis of the consequences of redistribution of responsibilities between the Deposit Guarantee Fund (the DGF and the National Bank of Ukraine (the NBU and the analysis of changes in the structure of the banking sector (the redistribution of the market between the four groups of banks in terms of assets, state-owned banks and other banks, foreign banks and domestic banks. It is possible to talk about the positive aspects arising from the redistribution of responsibilities between the NBU and the DGF, namely in terms of depositors’ protection strengthening due to reducing the term of the interim administration, eliminating the moratorium on payments to depositors etc. However, it is impossible to make an unambiguous conclusion that these changes have had a positive effect on the level of depositor’s confidence in banks. It turned out to be factors that are more important: economic and political situation in the country. The changes in the structure of the banking sector had a crucial character. Characteristic tendencies for each block of banks have been determined based on an analysis of indicators such as total assets, loans to legal entities and individuals, total liabilities, liabilities of legal entities and individuals, equity and equity multiplier. The financial crisis has revealed deep problems in the banking sector and has caused essential transformation processes: the redistribution of the banking market in favor of banks, which enjoyed the confidence of customers. Research shows that such banks in the unit of banks in terms of assets are banks of 2 and 4 groups; banks in the block by the presence

  19. Weathering processes under various moisture conditions in a lignite mine spoil from As Pontes (N.W. Spain)

    International Nuclear Information System (INIS)

    Seoane, S.; Leiros, M.C.

    1997-01-01

    Processes contributing to acid release/consumption during weathering of a lignite mine spoil (2.3% w/w S as sulfides) from As Pontes (N.W. Spain) were studied under three moisture conditions (at field capacity or under alternate wetting-drying or forced percolation), which were simulated in laboratory experiments. Oxidation of sulfides to sulfates was favoured under all three moisture conditions, releasing most acid in spoil kept at field capacity. Hydroxysulfates formed in spoil kept at field capacity or under alternate wetting-drying conditions, thereby contributing to acid release. Acid consumption by dissolution of clay minerals, especially micas, was favoured under all three moisture conditions, but was particularly intense in spoil at field capacity. Dissolution of aluminium oxides was also favoured under all the moisture conditions studied. 27 refs., 8 figs., 6 tabs

  20. 77 FR 17036 - Revised Notice of Intent To Prepare a Draft Environmental Impact Statement for the Bogue Banks...

    Science.gov (United States)

    2012-03-23

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

  1. Do Attitudes About Spoiling Children Affect Attitudes Regarding What Infants Need for Early Social-Emotional Development

    OpenAIRE

    Westover, Kathleen

    2012-01-01

    Secure infant attachment is important for the positive social-emotional development of children. Many parents have limited understanding of social-emotional development and the influence of appropriate responsive parenting behaviors to their infants’ cues. For example, many parents believe you can spoil an infant if you pick them up every time they cry. Researchers study the impact of positive responses to infants’ cues. Infants form a more secure attachment and learn to interpret the world a...

  2. Remedial investigation report on Bear Creek Valley Operable Unit 2 (rust spoil area, spoil area 1, and SY-200 yard) at the Oak Ridge Y-12 Plant, Oak Ridge, Tennessee. Volume 2. Appendixes

    International Nuclear Information System (INIS)

    1994-08-01

    This document contains the appendices to the Remedial Investigation Report on Bear Creek Valley Operable Unit 2 (Rust Spoil Area, Spoil Area 1, and SY-200 Yard) at the Oak Ridge Y-12 Plant, Oak Ridge, Tennessee. The appendices include Current and historical soil boring and groundwater monitoring well information, well construction logs, and field change orders; Analytical data; Human health risk assessment data; and Data quality

  3. Remedial investigation report on Bear Creek Valley Operable Unit 2 (rust spoil area, spoil area 1, and SY-200 yard) at the Oak Ridge Y-12 Plant, Oak Ridge, Tennessee. Volume 2. Appendixes

    Energy Technology Data Exchange (ETDEWEB)

    1994-08-01

    This document contains the appendices to the Remedial Investigation Report on Bear Creek Valley Operable Unit 2 (Rust Spoil Area, Spoil Area 1, and SY-200 Yard) at the Oak Ridge Y-12 Plant, Oak Ridge, Tennessee. The appendices include Current and historical soil boring and groundwater monitoring well information, well construction logs, and field change orders; Analytical data; Human health risk assessment data; and Data quality.

  4. Stabilization of metals in acidic mine spoil with amendments and red fescue (Festuca rubra L.) growth.

    Science.gov (United States)

    Simon, László

    2005-12-01

    Stabilization of metals with amendments and red fescue (Festuca rubra, cv. Keszthelyi 2) growth was studied on an acidic and phytotoxic mine spoil (pH(KCl) 3.20-3.26; Cd 7.1 mg kg(-1), Cu 120 mg kg(-1), Pb 2154 mg kg(-1) and Zn 605 mg kg(-1)) from Gyöngyösoroszi, Hungary in a pot experiment. Raising the pH above 5.0 by lime (CaCO(3)), and supplementing with 40 mg kg(-1)nitrogen (NH(4)NO(3)) made this material suitable for plant growth. All cultures were limed with 0.5% (m/m) CaCO(3) (treatment 1), which was combined with 5% (m/m) municipal sewage sludge compost (treatment 2), 5% (m/m) peat (treatment 3), 7.5% (m/m) natural zeolite (clinoptilolite) (treatment 4), and 0.5 (m/m) KH(2)PO(4) (treatment 5). Treatments 1-5 were combined with each other (treatment 6). After 60 days of red fescue growth, pH of the limed mine spoil decreased in all cultures units. Application of peat caused the highest pH decrease (1.15), while decrease of pH was less than 0.23 in treatments 2, 5 or 6. Application of lime significantly reduced concentrations of metals in the 'plant available' fraction of mine spoil compared to non-limed mine spoil. Amendments added to limed mine spoil changed variously the ratio of Cd, Cu, Pb and Zn in exchangeable or 'plant available' fractions, differently influencing the phytoavailability of these metals. Most of the metals were captured in the roots of test plants. Treatment 2 caused the appearance of less Cd in shoots (spoil, however the application of 0.5 phosphate was less favourable. Liming, application of amendments and growth of red fescue can stabilize metals in acidic and phytotoxic mine spoil, and by phytostabilization they can reduce the risk of metal contamination of the food chain.

  5. 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...

  6. The impact of credit risk assessment on credit activity of commercial banks

    Directory of Open Access Journals (Sweden)

    Ljubić Marijana

    2015-01-01

    Full Text Available As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.

  7. Simulation evaluation of capacitor bank impact on increasing supply current for alumunium production

    Science.gov (United States)

    Hasan, S.; Badra, K.; Dinzi, R.; Suherman

    2018-03-01

    DC current supply to power the electrolysis process in producing aluminium at PT Indonesia Asahan Aluminium (Persero) is about 193 kA. At this condition, the load voltage regulator (LVR) transformer generates 0.89 lagging power factor. By adding the capacitor bank to reduce the harmonic distortion, it is expected that the supply current will increase. This paper evaluates capacitor bank installation impact on the system by using ETAP 12.0 simulation. It has been obtained that by installing 90 MVAR capacitor bank in the secondary part of LVR, the power factor is corrected about 8% and DC current increases about 13.5%.

  8. The Impact of Central Bank FX Interventions on Currency Components

    NARCIS (Netherlands)

    Beine, M.; Bos, C.S.; Laurent, S.

    2007-01-01

    This article assesses the impact of official FOREX interventions of the three major central banks in terms of the dynamics of the currency components of the major exchange rates over the period 1989-2003. We identify the currency components of the mean and volatility processes of exchange rates

  9. Essays on banking sector’s dynamics, expectations, preferences and impact

    NARCIS (Netherlands)

    Polat, Tandogan

    2016-01-01

    The dissertation consists of four chapters that represent separate papers in the area of banking sector. The first chapter explores the impact of the new policy mix adopted by the CBRT after the global financial crisis on credit growth volatility, which is closely monitored as one of the key

  10. stabilization of dredged spoils for pavement construction in the niger

    African Journals Online (AJOL)

    Dr. Tse

    Natural soils underlying the East-West road are mainly clay and silt of poor quality ... on the dredged soils included particle size distribution, compaction and California ... KEYWORDS: Stabilization, dredge spoil, pavement, Niger Delta, cement.

  11. Revegetation of Alaskan coal mine spoils. Progress report

    Energy Technology Data Exchange (ETDEWEB)

    Mitchell, W W; Mitchell, G A; McKendrick, J D

    1980-05-23

    Activities initiated after the start of the revegetation project on Alaskan coal mine spoils on September 1, 1979 have consisted mainly of some fall plantings (dormant seedings) and soil and coal spoil samplings and analyses. Because of the late summer start for the project, only a limited amount of field work could be initiated in plant material studies. This consisted of a fall planting at the Usibelli mine site at Healy in interior Alaska. The planting was intended to test the efficacy of seeding in the frost period following the growing season, requiring the seed to remain dormant over winter and to germinate when conditions become favorable in late spring. It also was intended as a comparison of a number of different grasses. Thirty entries were seeded in three replications. Fifteen species of grasses and a clover were included in the trial. The site provided for the trial was on overburden material along a streambed. Among the entries were eight cultivars of introduced grasses, five cultivars of native Alaskan germplasm, one introduced clover cultivar, and sixteen experimental grasses mainly of Alaskan origin.

  12. Business Impact Analysis Terkait Penanganan dan Pemulihan Terhadap Bencana di PT Bank XYZ

    Directory of Open Access Journals (Sweden)

    Rubil Rubil

    2012-12-01

    Full Text Available For each company, disasters may have diverse impacts either financially or non-financially. Therefore, a company requires a business continuity plan. One important factor in developing such plan is Business Impact Analysis (BIA. With BIA, a company can identify and analyze Critical Business Functions (CBFs and potential impacts on the business whether operationally or financially, and further, business recovery priority, strategy and solution can be determined following a disaster.Methodologies used in developing this BIA are quantitativeand qualitative where for aspects related to financials, quantitive method is used. Meanwhile, for those aspects\\ related to non-financial areas, qualitative method is used. The development of this BIA was done through the dissemination of questionnaires to 62 business units in PT Bank XYZ. To draw the BIA, eight parameters were used, where as for the final result, there were three criticality levels found in the business units of PT Bank XYZ, i.e. very critical level - 18 business units (29%, critical level - 23 business units (37% and less critical level – 21 business units (34%. In addition, there were 71 applications used by CBFs. Based on the results of this study, PT Bank XYZ can determine the priority and key strategies for business units that require handling and recovery when a disaster occurs to maintain the bank's business operation's continuity and sustainability.Withthat, the company can minimize the potential loss resulted from a disaster.

  13. The Impact of Training and Development on Job Satisfaction: A Case Study of Private Banks in Erbil

    Directory of Open Access Journals (Sweden)

    Govand Anwar

    2015-09-01

    Full Text Available The purpose of this study is to find out the impact of training and development on job satisfaction in private banks in Erbil. Many businesses have found that investing employees through training and development in order to enhance employees‘ efficiency extremely important. The study was carried out in private banks in Erbil. A quantitative method was used to analyze the current study, 89 participants were involved in this study. The researcher set two separate research hypothesis, the first research hypothesis which states that the training will have positive impact on job satisfaction in private banks in Erbil and the second research hypothesis which states that the development will have positive impact on job satisfaction in private banks in Erbil. According to multiple regression analysis, the researcher found out that the B value for Training =. .367> 0.01, which means that training will have positive impact on job satisfaction; therefore the first research hypothesis was supported and the B value of development is = .251> 0.01, which means that the development will have positive impact on job satisfaction, therefore; the second research hypothesis was supported as well.

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

    OpenAIRE

    Nataliya Prikazyuk; Ganna Oliynik

    2017-01-01

    The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks,...

  15. 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.

  16. Development of cash management products in Serbia and impact on the profitability of banks

    Directory of Open Access Journals (Sweden)

    Barjaktarović Lidija

    2014-01-01

    Full Text Available Cash management products are in the function of promotion of the company's business, i.e. of liquidity management. The objective of this work is to determine the level of development of the Cash Management products in Serbia and their impact on the profitability and cost optimisation of a bank. Domestic banks established with foreign capital, primarily from Austria and Italy, were the first to introduce the initial contemporary Cash Management Products by the end of 2002, thanks to the development of electronic banking and relocation of the domestic payment transfers into the business banks. In addition, the analysis will show that banks with a clear focus on cooperation with the corporate clients are continuously developing this group of products in Serbia (Raiffeisen Bank, UniCredit Bank, Banca Intesa, Erste Bank. The research covers parallel presentation of development of the Cash Management products both of the domestic banks and their head offices abroad by the end of the year 2009 and the year 2012. The results of conducted research point out at the fact that the domestic banks established with the Italian capital (Banca Intesa and UniCredit Bank have taken over the leading role in the introduction of the new and more modern Cash Management products thanks to the good sector of information technology that is present in Serbia.

  17. Colonization of spoil benches of an opencast lignite mine in northwest Spain by amphibians and reptiles

    Energy Technology Data Exchange (ETDEWEB)

    Galan, P. [University of Santiago de Compostela, Santiago de Compostela (Spain). Faculty of Biology

    1997-02-01

    This paper discusses the colonization by reptiles and amphibians of the spoil benches of the Meirama opencast lignite mine in northwest Spain over 10 years, following the start of the revegetation process. At Meirama, spoil benches are initially fertilized and hydroseeded with a pasture mix, but are subject to little subsequent management and are gradually colonized by scrub vegetation characteristic of the region. Herpetofauna censuses were carried out yearly on a single 2 ha plot over 6 years following hydroseeding, and in a single year on ten 2 ha plots which had been hydroseeded between 0 and 10 years previously. In addition, censuses were carried out on three undisturbed `control` plots close to the mine. Fifteen species (nine amphibians and six reptiles) were detected in one or more of the spoil-bench plots. Recolonization was particularly rapid after the first 2-3 years post-hydroseeding, and was closely related to habitat development due to revegetation and natural succession. Species composition was most similar to that in control plots in the oldest (ten-year-old) spoil plots.

  18. The Impacts of ALMA Primary Variables on Profitability An Empirical Study of Indonesian Banking

    Directory of Open Access Journals (Sweden)

    Sapto Jumono

    2015-04-01

    Full Text Available This study aims to determine the impact of liquidity on BEP and ROE in Indonesian banking industry. The supporting theory in this study is ALMA theory. Based on annual data for the period 2001-2014 and following purposive sampling technique, the acquired amount of sample study is 97 banks. The data is analyzed using panel data regression of GMM Arrelano Bond, as a novelty in data processing, therefore the speed of adjustment can be known. The ALMA variables such as LAR, capital, leverage, operating expenses, interest income, and CAR sensitivity have a significant effect on BEP and ROE. Meanwhile LDR, NPL, the FBI have no impact on profitability. The implication of this study is the fact that banking performance in Indonesia can be leveled up through the reduction in mortgage interest rates and increment of credit volume and FBI.

  19. Nutrient limitation drives response of Calamagrostis epigejos to arbuscular mycorrhiza in primary succession

    Czech Academy of Sciences Publication Activity Database

    Rydlová, Jana; Püschel, David; Dostálková, M.; Janoušková, Martina; Frouz, J.

    2016-01-01

    Roč. 26, č. 7 (2016), s. 757-767 ISSN 0940-6360 R&D Projects: GA ČR GA13-10377S Institutional support: RVO:67985939 Keywords : chronosequence * mycorrhizal growth response * spoil banks Subject RIV: EF - Botanics Impact factor: 3.047, year: 2016

  20. [Clinical impact of opening a human milk bank in a neonatal unit].

    Science.gov (United States)

    Vázquez-Román, S; Bustos-Lozano, G; López-Maestro, M; Rodríguez-López, J; Orbea-Gallardo, C; Samaniego-Fernández, M; Pallás-Alonso, C R

    2014-09-01

    The benefits of donor human milk compared with artificial formulas have been well demonstrated; nevertheless the impact in the clinical practice of opening a human milk bank within a neonatal unit has not yet been studied. The main aim of this study was to analyze the impact on the clinical practice of opening a human milk bank in a neonatal unit to provide donor human milk for preterm infants ≤ 32 weeks of gestational age. A before and after study was designed, with the intervention being the opening a human milk bank. Preterm infants ≤ 32 weeks of gestational age born in the Hospital 12 Octubre from July to December 2005 and January to June 2008 (firsts 6 months after opening the human milk bank) were included. After opening the human milk bank, enteral feedings were started 31h before (Partificial formula, the exposure to formula in the first 15 days of life was reduced from 50% to 16.6%, and it's consumption during the first 28 days of life was significantly reduced. There was a higher consumption of own mother's milk during the hospital stay, and a higher rate of exclusive breastfeeding at hospital discharge (54% vs 40%). The availability of donor human milk has led to quicker progression with enteral feedings and earlier withdrawal of parenteral nutrition. It has reduced the exposure to artificial formulas, and has also increased the intake of own mother's milk during the hospital stay and the rate of exclusive breastfeeding at hospital discharge. Copyright © 2013 Asociación Española de Pediatría. Published by Elsevier Espana. All rights reserved.

  1. Impact of ATM Service on Customer Perception and Satisfaction of Indian Banks

    Directory of Open Access Journals (Sweden)

    Garima Malik

    2015-12-01

    Full Text Available Indian banking sector has completely changed. It has undergone much technological advancement that makes banking easy. Technological advancements are important but at the end what build customer satisfaction is proper management, employee behavior and customer relationship handling. Customer satisfaction is a sum of many variables that is many factors together leads to customer satisfaction. This modern electronic banking has completely changed the concept and functioning of banking system in India. Indian banking has moved from cash economy to cheque to and finally to the use of plastic cards. The customer satisfaction is dependent on customer awareness to a lot of extent. An unaware customer has less knowledge and therefore they cannot use the facilities completely even if they have it at their disposal. Customers prefer public sector banks when they are looking for trust and security and reliability. When it comes to speed, advancements and up gradation people shits from public sector banks to private sector banks. Customer gets satisfied only when they get quality service from the brand they are dealing with. This is very important for the marketers or the service providers as this leads to consumer satisfaction which benefits them and this brings loyalty to the brand enhancing the brand positioning. This research is important because new modern era has made people technology savvy they start their day with technology and end with technology therefore it is important to see the perception of users towards various factors of ATM. This research is conducted to see the highlighting factors that have direct impact on ATM services.

  2. Remediation of Acid Generating Colliery Spoil Using Steel Slag – Case Studies

    Directory of Open Access Journals (Sweden)

    Ghataora Gurmel S.

    2015-06-01

    Full Text Available One of the legacies of the coal mining industry is the existence of numerous colliery spoil mounds. Run-off waters from some of these mounds result in oxidation of sulphur compounds causing pH to drop to perhaps as low as 2.5. At this pH, mobility for metals increases and it results in destruction of both flora and fauna. In order to reduce acidity, a number of solutions have been investigated with varying degree of success. A recent study to reduce acidity in spoil run-off water included the use of Basic Oxygen Steel slag. Its slow release of lime resulted in longer term remediation compared with other techniques. In addition to this, steel slag contains elements which are essential for plant growth and can be regarded as a weak fertiliser. This was substantiated in two field trials, which had the aim of not only remediating acidity from two different types of colliery spoils, but also to develop a composition that supports grass growth. The objectives were achieved at both sites and some of the results of over 5000 chemical tests conducted during these studies are reported in this paper.

  3. Determining the Impact of Selected Success Factors on the Adoption of EBanking in the Zimbabwean Banking Industry

    Directory of Open Access Journals (Sweden)

    Maxwell Sandada

    2016-11-01

    Full Text Available Technological advances have altered business systems and processes paving way for more efficient cost saving banking processes such as electronic banking (e-banking. The aim of this study was to address the growing concern of the low adoption of electronic banking in Zimbabwe. This has been achieved by investigating the significant impact of five pre-determined critical success factors on the adoption of electronic banking services in Zimbabwe namely customer trust, cost, resistance to change, awareness and perceived usefulness. The research provides great insight on models utilized in previous studies drawing arguments which allowed a thorough construction of the research process and increased the validity of the research. The research is quantitative in nature. 150 respondents participated in the survey. The results revealed that of the five factors, only awareness and perceived usefulness exhibited a significant impact on the adoption of electronic banking in Zimbabwe. Therefore such understanding allowed for the establishment of crucial strategic managerial and legislative recommendations aimed at increasing the level of awareness and perceived usefulness and subsequently increase the level of adoption of electronic banking in Zimbabwe.

  4. Reclamation of opencut spoil piles

    Energy Technology Data Exchange (ETDEWEB)

    1976-07-01

    A successful reclamation program requires definite physical/engineering guidelines, a specific time commitment and to be fully integrated in the mining operation enabling most efficient use of available resources. This statement should be immediately qualified by saying that there must be enough flexibility to allow for varying mine layouts, plans and conditions. Mine conditions include physical and chemical spoil properties, climatic conditions and local topographic effects. Whilst reclamation is the responsibility of individual mine managers, the author undertakes a co-ordinating function amongst mine environmental officers to ensure that experience gained is recorded. Exchange of information between mines is maintained and there is a minimum duplication of effort.

  5. THE IMPACT OF MONETARY POLICY ON BANK CREDIT DURING ECONOMIC CRISIS: INDONESIA’S EXPERIENCE

    Directory of Open Access Journals (Sweden)

    Abdul Mongid

    2017-03-01

    Full Text Available The monetary policy mechanism by which monetary policy was transmitted to thereal economy had emerged as the pivotal discussion topic recently. This paper tried to discussthe impact of Bank Indonesia’s monetary policy on loan bank. By using simple loan bankframework we concluded that monetary policies were able to influence loan bank. Themonetary variables such as discount rate policy, base money and exchange rate policy werevery important in determining the banking credit. As the credit was very important to influencesthe economic activitiy, the result provided evidence that monetary policy was important as atool to control economic activity via credit channel. The validity of this study challenged thehypotheses that monetary policy was death. However, monetary policy maker should carefullyconsider the soundness of the banking industry because it was a strategic partner for monetaryauthority to control the economic activities.

  6. Environmental impacts of abandoned dredged soils and sediments; available options for their handling, restoration and rehabilitation

    NARCIS (Netherlands)

    Ohimain, E.I.; Andriesse, W.; Mensvoort, van M.E.F.

    2004-01-01

    Aim and Background. In the process of creating safe navigable waterways for oil exploitation, the companies operating in the Niger Delta generate tons of sulfidic spoils. These are often deposited over bank, mostly upon fringing mangroves, and abandoned. This leads to a myriad of environmental

  7. 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

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

    Directory of Open Access Journals (Sweden)

    Pison F. Irene

    2014-06-01

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

  9. The Impacts of ALMA Primary Variables on Profitability An Empirical Study of Indonesian Banking (13-32

    Directory of Open Access Journals (Sweden)

    Sapto Jumono

    2016-06-01

    Full Text Available This study aims to determine the impact of liquidity on BEP and ROE in Indonesian banking industry. The supporting theory in this study is ALMA theory. Based on annual data for the period 2001-2014 and following purposive sampling technique, the acquired amount of sample study is 97 banks. The data is analyzed using panel data regression of GMM Arrelano Bond, as a novelty in data processing, therefore the speed of adjustment can be known. The ALMA variables such as LAR, capital, leverage, operating expenses, interest income, and CAR sensitivity have a significant effect on BEP and ROE. Meanwhile LDR, NPL, the FBI have no impact on profitability. The implication of this study is the fact that banking performance in Indonesia can be leveled up through the reduction in mortgage interest rates and increment of credit volume and FBI. Keywords: Bank,ALMA,BEP,ROE,LAR,LDR,NPL,Capital

  10. Remedial Investigation Report on Bear Creek Valley Operable Unit 2 (Rust Spoil Area, Spoil Area 1, and SY-200 Yard) at the Oak Ridge Y-12 Plant, Oak Ridge, Tennessee. Volume 1, Main text

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1995-01-01

    This report on the BCV OU 2 at the Y-12 Plant, was prepared in accordance with requirements under the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) for reporting the results of a site characterization for public review. It provides the Environmental Restoration Program with information about the results of the 1993 investigation. It includes information on risk assessments that have evaluated impacts to human health and the environment. Field activities included collection of subsurface soil samples, groundwater and surface water samples, and sediments and seep at the Rust Spoil Area (RSA), SY-200 Yard, and SA-1.

  11. Remedial Investigation Report on Bear Creek Valley Operable Unit 2 (Rust Spoil Area, Spoil Area 1, and SY-200 Yard) at the Oak Ridge Y-12 Plant, Oak Ridge, Tennessee. Volume 1, Main text

    International Nuclear Information System (INIS)

    1995-01-01

    This report on the BCV OU 2 at the Y-12 Plant, was prepared in accordance with requirements under the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) for reporting the results of a site characterization for public review. It provides the Environmental Restoration Program with information about the results of the 1993 investigation. It includes information on risk assessments that have evaluated impacts to human health and the environment. Field activities included collection of subsurface soil samples, groundwater and surface water samples, and sediments and seep at the Rust Spoil Area (RSA), SY-200 Yard, and SA-1

  12. The impact of the recent banking crisis on customer loyalty in the banking sector

    DEFF Research Database (Denmark)

    Skowron, Lukasz; Kristensen, Kai

    2012-01-01

    . The second part of the paper demonstrates statistical analysis of the obtained data from the Polish and European banking sector. The authors also present socio-demographic characteristic of the research samples and the character of the bank-client relations, comparative analysis of customer satisfaction...... and loyalty levels than clients of banks in Western Europe. Second, the recent banking crisis has affected the level of customer satisfaction much more strongly in developing European countries than in developed ones. Third, the recent banking crisis has changed the character of the process of building...... customer satisfaction and loyalty in Poland by strengthening the influence of the image area. Originality/value – Hardly anyone has tried to measure the influence of the banking crises at the level of customers’ satisfaction and the structure of the process of building long-term relations between banks...

  13. Assessment of biochar and iron filing amendments for the remediation of a metal, arsenic and phenanthrene co-contaminated spoil

    International Nuclear Information System (INIS)

    Sneath, Helen E.; Hutchings, Tony R.; Leij, Frans A.A.M. de

    2013-01-01

    Sites contaminated with mixtures of metals, metalloids and organics are difficult to remediate as each contaminant type may require a different treatment. Biochar, with high metal sorption capacity, used singly and in combination with iron filings, is investigated in microcosm trials to immobilise metal(loid)s within a contaminated spoil, thereby enabling revegetation and degradation of organic pollutants. A mine spoil, contaminated with heavy metals, arsenic and spiked with phenanthrene was treated with either 1%w/w biochar, 5%w/w iron or their combination, enhancing phenanthrene degradation by 44–65%. Biochar treatment reduced Cu leaching and enabled sunflower growth, but had no significant effect on As mobility. Iron treatment reduced Cu and As leaching but negatively impacted soil structure and released high levels of Fe causing sunflower plant mortality. The combined treatment reduced both Cu and As leaching and enabled sunflower growth suggesting this could be a useful approach for treating co-contaminated sites. -- Highlights: ► 56 day microcosm trials examine biochar for remediation of co-contaminated sites. ► Biochar reduces leachable Cu concentrations but phytotoxicity remains. ► Iron filings are investigated as a co-amendment with biochar to reduce As leaching. ► Removal of metal toxicity stimulates phenanthrene degradation. ► Biochar could enable revegetation of contaminated sites. -- Biochar and iron filings incorporated into contaminated spoils reduce Cu and As leaching and stimulate phenanthrene degradation, but do not prevent phytotoxicity to sunflowers

  14. 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.

  15. 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...

  16. The Empirical Analysis of the Impact of Bank Capital Regulations on Operating Efficiency

    Directory of Open Access Journals (Sweden)

    Josephat Lotto

    2018-03-01

    Full Text Available This paper principally aims at examining the impact of capital requirements regulation on bank operating efficiency in Tanzania. The study employs bank level data for the period between 2009 and 2015. The findings show a positive and significant relationship between capital ratio and bank operating efficiency. This shows that commercial banks in Tanzania with more stringent capital regulations are more operationally efficient. This relationship proposes that capital adequacy does not only strengthen financial stability by providing a larger capital cushion but also improves bank operating efficiency by preventing a moral hazard problem between shareholders and debt-holders. This result may also imply that the increased regulations on capital requirements influence the bank’s decision to revisit their internal operations strategy in terms of strong corporate governance, risk assessment methods, credit evaluation procedures, employment of more qualified staffs, and enhanced internal control procedures. Another key finding is an inverse relationship between non-performing Loans (credit risk and bank operating efficiency. The implication of this relationship may simply mean that the bank’s total loan and advances in combination with total deposit either due from customers or from other banks are of little importance in determining the operational efficiency of banks. This probably implies that the amount of money banks loan out is too excessive, which would attract a greater chance of default. The paper lays down some recommendations: first, banks in Tanzania are advised to invest in more advanced technological innovations to reduce the staff costs and other operating expenses to increase their operational efficiency; and, second, bank management is also advised to be more careful in the loan screening process to reduce the incidence of non-performing loans.

  17. Impact of invasions by alien plants on soil seed bank communities: emerging patterns

    Czech Academy of Sciences Publication Activity Database

    Gioria, Margherita; Jarošík, Vojtěch; Pyšek, Petr

    2014-01-01

    Roč. 16, č. 3 (2014), s. 132-142 ISSN 1433-8319 R&D Projects: GA ČR(CZ) GAP504/11/1028; GA ČR GB14-36079G Institutional support: RVO:67985939 Keywords : plant invasions * impact * soil seed bank Subject RIV: EF - Botanics Impact factor: 3.606, year: 2014

  18. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  19. Impact of Credit Restructuring on the Quality of Bank Asset Portfolio. A Cluster Analysis Approach

    Directory of Open Access Journals (Sweden)

    Nicolae Dardac

    2011-06-01

    Full Text Available In this paper we proposed an analysis of the financial crisis impact on the procedures formanagement of loan portfolios in several banking systems. Despite ample liquidity injectionprograms implemented by major central banks and government actions, credit risk remains a keychallenge of the current banking systems. On a medium term, the high percentage of bad loans hasbecome a structural vulnerability. To maintain an acceptable quality of loan portfolios and not todamage the prudential and profitability indicators, credit institutions in EU member states haveproceeded to apply various techniques for credit restructuring. The quantitative analysis carried out inthe last part of the paper revealed a relatively moderate granularity of banking systems considered, interms of capitalization, volume of bank reserves and net provisions, in response to the persistent trendof loan portfolio deterioration.

  20. The Impact of the Basel Accord on Greek Banks: A Stress Test Study

    Directory of Open Access Journals (Sweden)

    John Leventides

    2015-03-01

    Full Text Available In this paper, we study the impact of extreme events on the loan portfolios of the Greek banking system. These portfolios are grouped into three separate groups based on the size of the bank to which they belong, in particular, large, medium, and small size. A series of extreme scenarios was performed and the increase in capital requirements was calculated for each scenario based on the standardized and internal ratings approach of the Basel II accord. The results obtained show an increase of credit risk during the crisis periods, and the differentiation of risk depending on the size of the banking organization as well as the added capital that will be needed in order to hedge that risk. The execution of the scenarios aims at studying the effects which may be brought about on the capital of the three representative banks by the appearance of adverse events.

  1. 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.

  2. Vegetational stabilization of uranium spoil areas, grants, New Mexico

    International Nuclear Information System (INIS)

    Kelley, N.E.

    1979-01-01

    Factors that could be detrimental to vegetative stabilization of uranium mine and mill waste material were examined. Physical and chemical analyses of materials from an open-pit uranium mine and material from three inactive mill tailing piles in New Mexico were performed. Analyses for selected trace elements in mill tailing material and associated vegetation from piles in New Mexico, Colorado, and Utah were also performed. Field and laboratory experiments identified problems associated with establishing vegetation on spoil material. Problems of uptake and concentration of toxic elements by plants growing on specific spoil material were also identified. Ecological observations in conjunction with physical and chemical analyses of specific geologic units, which form the overburden and waste dumps at the open-pit mine, identified a specific geologic material that, if segregated and placed on the surface of the dumps, would pose the least set of problems for a revegetation program. A pilot revegetation project verified that segregation and use of specific geologic material in the overburden could be utilized successfully and economically for reestablishment of native vegetation on mine waste material

  3. The potential of mycorrhizal inoculation and organic amendment to increase yields of Galega orientalis and Helianthus tuberosus in a spoilbank substrate

    Czech Academy of Sciences Publication Activity Database

    Püschel, David; Rydlová, Jana; Sudová, Radka; Gryndler, M.; Vosátka, Miroslav

    2011-01-01

    Roč. 174, č. 4 (2011), s. 664-672 ISSN 1436-8730 R&D Projects: GA MŠk 1M0571 Institutional research plan: CEZ:AV0Z60050516 Keywords : arbuscular mycorrhiza * biomass crops * spoil-bank reclamation Subject RIV: EF - Botanics Impact factor: 1.596, year: 2011

  4. The Impact of the Basel III Liquidity Regulations on the Bank Lending Channel: A Luxembourg case study

    OpenAIRE

    Gaston Giordana; Ingmar Schumacher

    2011-01-01

    In this paper we study the impact of the Basel III liquidity regulations, namely the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR), on the bank lending channel in Luxembourg. For this aim we built, based on individual bank data, time series of the LCR and NSFR for a sample of banks covering between 82% and 100% of total assets of the banking sector. Additionally, we simulated the optimal balance sheet adjustments needed to adhere to the regulations. We extend the exis...

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

    NARCIS (Netherlands)

    Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

    2017-01-01

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

  6. 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

  7. Efficacy of Designer Biochars with or without Lime Application for Remediating Heavy Metals in Mine Spoil Soils

    Science.gov (United States)

    Sigua, Gilbert C.; Novak, Jeffrey; Johnson, Mark; Ippolito, James; Spokas, Kurt; Ducey, Thomas; Trippe, Kristin

    2017-04-01

    A multitude of research investigations have confirmed that biochars can increase soil carbon sequestration, improve critical plant nutrient concentrations, and improve the fertility, chemical, and physical properties of degraded agricultural soils. Recently, biochars ability to sequester metals has caught the attention of the mine reclamation sector. It is proposed that biochar is a suitable amendment to remediate heavy metals in mine spoils, as well as improve chemical conditions for enhanced plant growth. Better plant growth will improve phytostabilization, increase containment of metal-laden sediment, while also reducing potential metal uptake by plants. As such, utilization of a biochar with appropriate chemical and physical characteristics is crucial for effective binding of heavy metals while also improving plant growth conditions in mine spoils. Using two different mine spoils, we conducted laboratory and greenhouse experiments to determine the ability of designer biochar with or without lime application to favorably improve soil pH, reduce heavy metal bioavailability, and improve grass (e.g., wild blue rye) plant nutrient uptake. Preliminary results showed that our designer biochars did increase pH of acid mine spoils significantly (pheavy metals (e.g. aluminum, chromium, zinc, nickel, zinc, manganese, copper and cadmium) in the soils.

  8. Hydrologic modeling of reclaimed strip mine spoil

    International Nuclear Information System (INIS)

    Edwards, K.B.; Stoertz, M.W.; Turney, D.C.

    1998-01-01

    A numerical groundwater flow model (MODFLOW) of a surface coal mine in southeast Ohio was calibrated under steady state conditions to match measured heads by varying hydraulic conductivity (K) and recharge (R). Sensitivity studies indicated that K was not largely dependent on the poorly quantified underclay elevation or on the lake boundary condition. The baseflow recharge was determined to be between 8 and 60 mm/yr (1 to 6% of annual rainfall) and K between 0.004 and 0.01 cm/s for the spoil aquifer

  9. Pengaruh Sistem Informasi Akuntansi terhadap Keefektifan Pengendalian Internal pada Bank-Bank umum yang terdaftar di BEI

    OpenAIRE

    Nurafni

    2013-01-01

    “THE IMPACT OF ACCOUNTING INFORMATION SYSTEM ON EFFECTIVENESS OF INTERNAL CONTROL IN COMMERCIAL BANKS LISTED IN BEI” The purpose of the present study is to identify the impact of accounting information systems of the effectiveness of internal controls on commercial banks listed on the Stock Exchange through the analysis of management oversight and internal controls. To collect data, used for distributing questionnaires to banking staff who work on a sample of banks in this study. Out of 39...

  10. Impact of Self Service Technology Quality on Customer Satisfaction: A Case of Retail Banks in Western Province in Sri Lanka

    Directory of Open Access Journals (Sweden)

    Gunawardana H.M.R.S.S.

    2015-04-01

    Full Text Available Rapid technological advancement in the banking environment drives Sri Lankan banks to adopt self-service technologies to deliver services via SMS banking, Internet banking and telephone banking facilities, Automated Teller Machines (ATM etc. This study explored the perceived quality of the self-service technology of these services and its effect on customer satisfaction. The literature survey and in depth interviews helped to formulate quality dimensions: security, efficiency, eases of use, reliability and convenience and those dimensions were assessed through a questionnaire. This study surveyed 215 customers from branches of six dominating commercial banks located in Western Province of Sri Lanka. Data were subjected to Principal Component Analysis and retained factors were regressed using multiple regressions to assess the impact of quality dimensions on customer satisfaction. The results revealed that reliability and convenience have positive impacts on customer satisfaction but efficiency has a negative effect.

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

    OpenAIRE

    Sardar Shaker Ibrahim

    2017-01-01

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

  12. The impact of FinTech start-ups on incumbent retail banks' share prices

    OpenAIRE

    Li, Yinqiao; Spigt, Renée; Swinkels, Laurens

    2017-01-01

    Background: This study aims to clarify the role of FinTech digital banking start-ups in the financial industry. We examine the impact of the funding of such start-ups on the stock returns of 47 incumbent US retail banks for 2010 to 2016. Methods: To capture the importance of FinTech start-ups, we use data on both the dollar-volume of funding and number of deals. We relate these to the stock returns with panel data regression methods. Results: Our results indicate a positive relationship exist...

  13. Appraisal of the Impact of e-Banking and Cashless Society in the Nigerian Economy

    Directory of Open Access Journals (Sweden)

    Umanhonlen O. Felix

    2015-09-01

    Full Text Available The article appraises the impact of e-banking and cashless society in the Nigerian economy. The study explores various aspects of e-banking and cashless economy using the banking sector of the Nigerian economy as a focal point. Specifically, the paper articulates empirical opinions that highlight the possible ways these policy measures have direct links to beneficiaries and the weighted outcomes when divergence is noticed and how to bring back the soundness, sustainable and rebranding policy that ensures economic growth. The paper holds that for a sustainable cashless society to emerge all hands must be on desk; banks should de-emphasize all odds and ensure that efficiencies of e-banking mechanisms are of utmost priority. It, therefore, recommends that adequate plans be in place to sensitize the general public about the effects and lay down procedures to check possible drawbacks. It, however, concludes by imploring all avenues and reports that relevant agency, service providers, operators, and those who have direct access to information to advocate as timely as when necessary about the implicit needs and benefits behind the cashless economy.

  14. Biological reclamation of coal mine spoils without topsoil: an amendment study with domestic raw sewage and grass-legume mixture

    Energy Technology Data Exchange (ETDEWEB)

    Maiti, S.K.; Saxena, N.C. [Indian School of Mines, Dhanbad (India). Centre of Mining Environment

    1997-12-31

    A range of tree species were successfully established and grown on spoil site irrigated with domestic raw sewage in India. The heavy metals content in leaves, stem wood, stem bark root wood and root bark differ between species. In general, heavy metals like Fe, Zn, Mn, Cu, and Pb were accumulated more in Eucalyptus then Melia, however only Co accumulated maximum in Acacia. Increase trend was reported in respect of Na, K, Fe, Zn, Cu in grass and vegetables which were grown at a sewage fed farm. However, in all the cases micronutrients and heavy metals contents did not reach the critical limits to produce any phytotoxic effect. Irrigation with raw sewage had no adverse effect on chemical properties of spoil over the 3 year period. This study shows that raising vegetation on spoil material in mining areas irrigated with raw sewage is feasible. However, irrigation by raw sewage caused the accumulation of heavy metals in different plant parts. These plants are not of the fodder type and thus are not entering directly into ecological food chains, hence they can act as heavy metals sinks. On the basis of the Grass-legume experimental study, it may be concluded that N accumulation of coal mine spoil related with nature of spoil, prevailing climate and legume used. In a tropical climate N accumulation rate was found higher than in a temperate one. Addition of phosphorus fertilizer is essential for the reclamation of many mine spoils because even after three years available P level can remain deficient. Available K was found to be sufficient after three years.

  15. 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

  16. Remediation of an acidic mine spoil: Miscanthus biochar and lime amendment affects metal availability, plant growth and soil enzymatic activity

    Science.gov (United States)

    Biochar is proposed as an amendment for mine spoil remediation; however, its effectiveness at achieving this goal remains unclear. Miscanthus (Miscanthus giganteus) biochar was tested for potentially improving acidic mine spoil (pH < 3; Formosa mine near Riddle, Oregon) health conditions by sequeste...

  17. Impact of Customer Relationships on Brand Equity in Chinese Retail Banking

    DEFF Research Database (Denmark)

    Marinova, Svetla Trifonova; Cui, Jinhuan; Shiu, Eric

    of branding and relationship marketing, which are traditionally apart. The research findings provide bank managers with a comprehensive understanding of how customer relationships impact on the dimensions of brand equity, which will enable them in turn to design more effective marketing strategies to enhance...... issues. This study explores the associations between customer relationships and brand equity in the context of the Chinese banking system. A conceptual framework is proposed, in which the constructs of customer relationships including relationship closeness, relationship strength and relationship......Building strong brand equity is imperative in the highly competitive financial services sector. Despite tremendous interest in brand equity and relationship marketing, little conceptual development or empirical research has addressed whether relationships exist between these important marketing...

  18. Impact of Customer Relationships on Brand Equity in Chinese Retail Banking

    DEFF Research Database (Denmark)

    Marinova, Svetla Trifonova; Cui, Jinhuan; Shiu, Erik

    2013-01-01

    of branding and relationship marketing, which are traditionally apart. The research findings provide bank managers with a comprehensive understanding of how customer relationships impact on the dimensions of brand equity, which will enable them in turn to design more effective marketing strategies to enhance...... issues. This study explores the associations between customer relationships and brand equity in the context of the Chinese banking system. A conceptual framework is proposed, in which the constructs of customer relationships including relationship closeness, relationship strength and relationship......Building strong brand equity is imperative in the highly competitive financial services sector. Despite tremendous interest in brand equity and relationship marketing, little conceptual development or empirical research has addressed whether relationships exist between these important marketing...

  19. IMPACT OF USER IT AND INTERNET SKILLS ON ONLINE BANKING,INPUT TO INNOVATIVE BANKING STRATEGIES

    Directory of Open Access Journals (Sweden)

    Syed Shan e Raza

    2011-01-01

    Full Text Available Online-banking is now widely being introduced by banks. This Strategic move issupported by aim to reduce branch/resources costs and offer more convenience tothe consumers. Alongside users are becoming more frequent in IT /internet day-by-day. This provides good match to the success ofOnline-banking.Employee’s skills and user’s skills were also considered by scholars to see theeffect on adoption of online banking. Author has found that these user skills werenot standardized. Author tried to fill this gap byusing Eurostat classification ofskills in terms of user’s Computer and internet skills [Appendix. 1]. The objectiveof this study is threefold, thus understanding theuser perception about fear ofonline theft/misuse, Complexity and effect on individual’s efficiency by usingonline banking.A questionnaire has been sent to users and resultsthus verified 02 of 03hypothesis. Despite higher level of skills and experience, users have concernswith the security and complexity of the method. Theresults are analyzed in asimple graphical fashion in order to provide quickunderstanding to the reader.Concluding, despite certain limitations, this studygives value to the literature andopens new research horizons for online banking strategies. It provides a commoncriterion for understanding user skills and their perceptions about theapplication/usability of online banking using EU classification. Consequentlycounter actions can be taken by the banks to satisfy users concerns and improvethe structure of online banking.

  20. 30 CFR 816.71 - Disposal of excess spoil: General requirements.

    Science.gov (United States)

    2010-07-01

    ... does not slake in water or degrade to soil material, and which is free of coal, clay or other... of the soil. (2) Excess spoil shall be transported and placed in a controlled manner in horizontal... outslope of the fill if required for stability, control of erosion, to conserve soil moisture, or to...

  1. 30 CFR 817.71 - Disposal of excess spoil: General requirements.

    Science.gov (United States)

    2010-07-01

    ... does not slake in water or degrade to soil materials, and which is free of coal, clay or other... of the soil. (2) Excess spoil shall be transported and placed in a controlled manner in horizontal... outslope of the fill if required for stability, control of erosion, to conserve soil moisture, or to...

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

    OpenAIRE

    liu, luke

    2012-01-01

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

  3. Impact Of Customer Relationship Management On Customer Retention A Case Of Private Banks Of Sialkot Punjab

    Directory of Open Access Journals (Sweden)

    Nayab Bashir

    2017-08-01

    Full Text Available Customer relationship management is good for banking sector to increase in any economic condition and for customers to receive quality services This research check the impact of customer relationship management activities on banks customer retention in Sialkot Punjab. For the purpose of study a sampling analysis was conducted among 330 customers of selected private banks that is Habib Bank limited United Bank limited Faysal Bank limited with the help of a structured questionnaire. 316 questionnaires were usable. Statistical answers give support on the high positive relationship between customer relationship management CRM and customer satisfaction. This study exposed that there is a important positive relationship among the variables. This study exposes that the suitable execution of CRM will increases the number of customer satisfaction or make long term healthy relations with the current or potential customers through managing information or improve the performance of services that assist customer retention. Acronyms CRM Customer relationship management CS Customer satisfaction CR Customer retention Abbreviations Customer relationship management

  4. Impact of Basel Accord on Banking System(Evidence from Islamic Banks of Pakistan)

    OpenAIRE

    Muhammad Mehtab Azeem; Akin Marsap; Cigdem Ozari

    2015-01-01

    Banks and bank regulatory authorities are vital players for the stability of economy and financial system in potential way. Basel III and its related to capital¡¯s requirement obligations have been effective useful tool for the banking system. Since, this is tough job for the bankers to maintain the liquidity for hedging the future risk but it also been expensive for bankers to keep the extra capital and become more liquid since this discourage the provision of loans but promote the credit ra...

  5. The Impact of Basel III on European Banks

    OpenAIRE

    Šútorová, Barbora

    2013-01-01

    The aim of this thesis is to take a closer look on how the stricter capital requirements defined in the Basel III framework will influence European banks from a complex point of view - lending rates and volumes of provided loans, profitability, risk taking and market value of banks. Our analysis employing simultaneous equations and panel data models on exp post data on almost 600 banks operating in the EU in the 2005-2011 period reports following results: (1) Those banks that will be forced t...

  6. Reclamation of acidic colliery spoil. III. Problems associated with the use of high rates of limestone

    Energy Technology Data Exchange (ETDEWEB)

    Costigan, P A [Univ. of Liverpool, England; Bradshaw, A D; Gemmell, R P

    1982-04-01

    Growth of Trifolium repens in acidic colliery spoil was suppressed by more than 90% when agricultural ground calcitic limestone was applied at above 5 t ha/sup -1/ whereas Lolium perenne was unaffected at rates up to 100 t ha/sup -1/. The inhibitory effect of ground limestone on T. repens was reduced by high phosphorus fertilization and disappeared within 34 weeks of treatment.There was some evidence that high liming caused an imbalance of the Ca/Mg ratio in freshly limed spoil, contribution to growth inhibition. Growth of L. perene was improved and the inhibitory effect on T. repens was alleviated by substituting magnesian limestone (dolomite) for calcitic limestone. Phosphate adsorption of spoil was similar after low and very high limestone applications but increased by 100% after liming at 25 t ha/sup -1/ to pH 5.1.It is suggested that phosphate adsorption at pH 5.1 is caused by freshly precipitated amorphous aluminium hydroxide. The practical implications of the results are discussed.

  7. Measurements of line overlap for resonant spoiling of x-ray lasing transitions

    International Nuclear Information System (INIS)

    Beiersdorfer, P.; Elliott, S.R.; MacGowan, B.J.; Nilsen, J.

    1994-06-01

    High-precision measurements are presented of candidate line pairs for resonant spoiling of x-ray lasing transitions in the nickel-like W 46+ , the neon-like Fe 16+ , and the neon-like La 47+ x-ray lasers. Our measurements were carried out with high-resolution crystal spectrometers, and a typical precision of 20--50 ppM was achieved. While most resonances appear insufficient for effective photo-spoiling, two resonance pairs are identified that provide a good overlap. These are the 4p 1/2 → 3d 3/2 transition in nickel-like W 46+ with the 2p 3/2 → 1s 1/2 transition in hydrogenic Al 12+ , and the 3s 1/2 → 2p 3/2 transition in neon-like La 47+ with the 1 1 S 0 -2 1 P 1 line in heliumlike Ti 20+

  8. Big Bad Banks? The Winners and Losers From Bank Deregulation in the United States

    NARCIS (Netherlands)

    Beck, T.H.L.; Levine, R.; Levkov, A.

    2009-01-01

    We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through the 1990s, most states removed restrictions on intrastate branching, which intensified bank competition and improved bank performance. Exploiting the cross-state, cross-time variation

  9. Coal Mining Spoil Heap Management as urban solid waste dump; Utilizacion de Escombreras de Carbon como Vertedero Controlado de Residuos Solidos Urbanos

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2000-07-01

    In the coordinated project DISPOSAL OF SOLID RESIDUES FROM COAL it is included the project Coal Mining Spoil Heap Management as Urban Solid Waste Dump. The main target of this project consisted of determining the viability of using coal mining spoil heaps, as controlled dubbish dump of urban solid wastes. The working plan to achieve this objective was composed of the following stages: 1. Urban solid wastes characterization. 2. Methodology to be followed for the selection of coal mining spoil heaps as controlled dump of urban solid wastes. 2.1 Classification and preliminary assessment of the possibility of using spoil heaps as urban solid waste dumps (APT/NON APT). 2.2 Realization of geological, geotechnical, hydrogeological and environmental studies applied to the spoil heaps classified as APT. 2.3 Analysis of the compatibility of the mining activity with the urban solid wastes dumped on the spoil heap. 2.4 Analysis of the use of coal mining wastes in the rubbish dump operative life. 3. Extraction of conclusions. The works were focused in the Leon province. As result of the researches we obtained the following results and conclusions: In the areas studied, only two emplacements are optima to dump urban solid wastes; spoil heap n. 13. Roguera Mine (Cinera-Matallana) and the open pit mine n. 4, Las Chaviadas, in Villablino. The active spoil heap use as controlled rubbish dump can cause, if not managed adequately, several coperating and occupational problems to the mine and to the company that manages the urban solid wastes. The abandoned spoil heap utilisation is difficult due to the problems that would arise when conditioning the site to be use as rubbish dump. The use of abandoned open pit mines, as controlled rubbish dump is feasible if geological, geotechnical, hydrogeological and environmental studies support it. It's possible the use of the coal mining wastes in the different operatives phases of the controlled rubbish dump. The evaluation methodology

  10. Coal Mining Spoil Heap Management as urban solid waste dump; Utilizacion de Escombreras de Carbon como Vertedero Controlado de Residuos Solidos Urbanos

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2000-07-01

    In the coordinated project DISPOSAL OF SOLID RESIDUES FROM COAL it is included the project Coal Mining Spoil Heap Management as Urban Solid Waste Dump. The main target of this project consisted of determining the viability of using coal mining spoil heaps, as controlled dubbish dump of urban solid wastes. The working plan to achieve this objective was composed of the following stages: 1. Urban solid wastes characterization. 2. Methodology to be followed for the selection of coal mining spoil heaps as controlled dump of urban solid wastes. 2.1 Classification and preliminary assessment of the possibility of using spoil heaps as urban solid waste dumps (APT/NON APT). 2.2 Realization of geological, geotechnical, hydrogeological and environmental studies applied to the spoil heaps classified as APT. 2.3 Analysis of the compatibility of the mining activity with the urban solid wastes dumped on the spoil heap. 2.4 Analysis of the use of coal mining wastes in the rubbish dump operative life. 3. Extraction of conclusions. The works were focused in the Leon province. As result of the researches we obtained the following results and conclusions: In the areas studied, only two emplacements are optima to dump urban solid wastes; spoil heap n. 13. Roguera Mine (Cinera-Matallana) and the open pit mine n. 4, Las Chaviadas, in Villablino. The active spoil heap use as controlled rubbish dump can cause, if not managed adequately, several coperating and occupational problems to the mine and to the company that manages the urban solid wastes. The abandoned spoil heap utilisation is difficult due to the problems that would arise when conditioning the site to be use as rubbish dump. The use of abandoned open pit mines, as controlled rubbish dump is feasible if geological, geotechnical, hydrogeological and environmental studies support it. It's possible the use of the coal mining wastes in the different operatives phases of the controlled rubbish dump. The evaluation methodology developed

  11. Chemical and isotopic tracing of underground water in relation with leaching of mine spoils, Nord-Pas-de-Calais Coal Basin (France)

    International Nuclear Information System (INIS)

    Denimal, S.; Tribovillard, N.; Meilliez, F.; Barbecot, F.; Dever, L.

    2001-01-01

    Coal mining activity in the Nord-Pas-de-Calais region (Northern France) has generated many mine spoils. The oxidation of the pyrite content of such coal shales and their leaching can be a source of sulfate pollution for the underlying chalk aquifer, i.e. the main drinking water resource of the region. Two sites of study have been retained: one in the free water table zone and the other in the confined water table zone. Samples from both mine spoils have been analyzed with respect to their carbon and sulfur content and a superficial leaching of these elements has been evidenced. Water has been sampled in piezometers and boreholes close to the mine spoils and also along natural flux lines. The use of sulfur isotopes as markers of the different sulfate sources has confirmed the spoils source but has permitted to identify another source in the second site which is the Tertiary gypsum-bearing Ostricourt sands. This study has shown also that in the confined water table zone, part of the exported sulfates is reduced. This bacterial reduction of sulfates is due to a joint leaching of both carbon and sulfur in the mine spoils. A self-purification phenomenon occurs when the chalk aquifer is confined beneath the Cenozoic cover. (J.S.)

  12. Management Control in Major Brazilian Multiple Banks: the Impact of Internationalization and Convergence of Accounting Standards on the Control Systems

    Directory of Open Access Journals (Sweden)

    João Carlos Damasceno Reis

    2014-08-01

    Full Text Available This study verifies the impact caused by the processes of globalization and convergence to international accounting standards on the managerial control systems of the largest multiple banks that operate in Brazil. The study was exploratory in nature, with the use of the case study method and the application of questionnaires containing mostly open questions to upper tier executives of four major Brazilian banks. The analysis showed that globalization has resulted in improved control systems and widespread use of information technology. It was also found that the convergence to international accounting standards occurred properly, thanks to the steps taken by the Central Bank that aimed at an agile updating of the Brazilian accounting standards laid down for banks operating in Brazil, in line with international standards. In general, the researched banks did not report a significant impact of convergence to the IFRS on their management control systems; adherence to the international accounting standards has had more significant impacts on information systems, especially regarding the new reporting and transparency standards, rather than on management controls. This result signals that the management control systems of the four banks in the sample are in line with Anthony (1965’s vision, that is, that flexibility to adapt to every change in the external environment might actually increase risks of failure.

  13. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

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

    OpenAIRE

    Teodora Barbu; Georgeta Vintila

    2007-01-01

    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...

  15. The Impact of the Global Financial Crisis on Banking Globalization

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

    Although cross-border bank lending has fallen sharply since the crisis, extending our bank ownership database from 1995-2009 up to 2013 shows only limited retrenchment in foreign bank presence. While banks from OECD countries reduced their foreign presence (but still represent 89% of foreign bank

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

    Directory of Open Access Journals (Sweden)

    Shijaku Gerti

    2017-09-01

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

  17. Heavy metals in soil on spoil heap of an abandoned lead ore ...

    African Journals Online (AJOL)

    EJIRO

    (Ti, Fe and Al) of a soil profile on spoil heap were examined. 54 soil samples were .... move gravel and rocks, put in plastic bags then sent to the Service. Central du ..... micro- organisms and microbial processes in agricultural soils. A review.

  18. IMPACT OF THE GLOBAL FINANCIAL CRISIS ON THE CREDIT RISK MANAGEMENT IN A BANK

    Directory of Open Access Journals (Sweden)

    Jerzy Piotr Gwizdała

    2016-06-01

    Full Text Available The main purpose of this article is to present the role of risk in the activity of a commercial bank with particular reference to the global financial crisis. The introductory part presents the origins of economic crises, especially the contemporary crisis from 2007-2010, which began in the United States subprime mortgage market. Dating back to the 1831, considerations allow to undetstand the causes of the crises. Then the impact of the global financial crisis on the scale of the crediting activities of banks in Poland was analyzed, presenting a credit portfolio structure, with a particular focus on the structure of loans to households and enterprises. In the second part of the article the process of credit risk management was discussed, paying attention to the crucial role of the bank's credit policy, and the conditions and prospects of commercial bank credit activity development were specified. It presents also the criteria for the proper credit management, indicating as the optimal solution the development of the so-called „credit textbook”.

  19. Impact of the Serbian Banking Regulatory Framework Development on the Economic Growth of Serbia

    Directory of Open Access Journals (Sweden)

    Nenad Milojević

    2013-04-01

    Full Text Available The dynamic relationship between the banking regulatory framework and Basel capital standards, on the one side and economic growth and other macroeconomic indicators on the other side, attracts international academic and business circles for many years. Perceived from the Serbian perspective, the impact of the banking regulation development, or the Basel standards application, on economic growth is one of the most actual issues, especially since Serbia starting from December 31st 2011, began the Basel II application. The fact that the National Bank of Serbia and the Serbian commercial banks, gradually directed attention to more actual Basel III standard, further increasing the importance of the topic that this paper will be addressed. Quantitative and qualitative analyzes that were performed during the research presented in this paper indicate a significant potential for further positive effects, including economic growth, due to the implementation of Basel standards in Serbia. Positive results of application largely depend on adequate preparation, analysis and actions of all relevant parties in Basel standards implementation.

  20. ICT AND NIGERIAN BANKS REFORMS: ANALYSIS OF ANTICIPATED IMPACTS IN SELECTED BANKS

    OpenAIRE

    Osabuohien Evans S.C

    2008-01-01

    Banking has become highly Information Communication Technology (ICT) based and due to its intersectoral link, is reaping the benefits of technological revolution as evidenced by its application in most of its operations. This study empirical analyzes the anticipated role ICT has in enhancing the operations of selected Nigerian banks in the light of current reforms. Primary data was employed, which was analyzed using cross-tabulations and regression technique built on the framework of technica...

  1. Role & Impact of Interest Rate in Jordan’ Economy from Points of View of Banking Managers

    Directory of Open Access Journals (Sweden)

    REEM SAHER alaraj

    2017-05-01

    Full Text Available The research aimed at investigating the role, impact and determinants of interest rate in Jordanian economy from view points of banking managers in Jordan. The methodology is descriptive and analytical using mean, standard deviation, t-test and percentages as statistical tools. The study concluded that the role of interest rate in Jordanian monetary policy is restricted by two factors: pegging JD with US$ which limits the effective role of interest rate in Jordanian monetary policy and the dual banking system of traditional and Islamic banks where Islamic banks do not deal with Interest rate. Raising interest rate in Jordan caused higher cost of credit for companies, less competitiveness of exports, less liquidity in the economy, higher profit margin for banks, higher exchange rate of JD and higher inflation. Nevertheless, lowering interest rate in Jordan caused lower cost of borrowing, higher liquidity, better competitiveness of exports and more credit facilities by banks but inflation was much lower. Moreover, the study concluded the determinants of interest rate in Jordan are money supply, demand for money, inflation and economic conditions. In order to have an effective role for interest rate in monetary policy, the researcher recommends pegging JD to a basket of currencies.

  2. 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.

  3. Business Strategy and Perceived Benefits of Internet Banking: Their Impact on Banks' Strategic Responses to China's Entry to WTO

    Institute of Scientific and Technical Information of China (English)

    刘春红; 江静; 李杰

    2003-01-01

    With the entry to WRO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks'perceived increase in Internet banking investment has no difference between big banks and small banks.

  4. BANKING SECTOR DEVELOPMENT AND ECONOMIC GROWTH INPALESTINE; 1995-2014

    Directory of Open Access Journals (Sweden)

    Gaber H. Abugamea

    2016-07-01

    Full Text Available This study uses both OLS regression estimation and Granger Causality test toinvestigate the relationship between the banking sector development andeconomic growth in Palestine over the period 1995-2014.OLS results show asignificant impact of banking size with a negative sign, insignificant impact ofcredit lending with a marginal one for lag credit andinsignificant impact ofefficiency on economic growth, respectively.Granger Causality testresultsshowone way causality runningfrom banking size to(GDPeconomic growthandfrom banking efficiency to(GDP per capitaeconomic growth one. Overall resultsreveals a weak nexus between banking sector development and economic growth.In specific, it recommends more improving in banking lending policy to beeffective in promoting economic growth.

  5. On Zombie Banks and Recessions after Systemic Banking Crises: Government Intervention Matters

    NARCIS (Netherlands)

    Homar, T.; van Wijnbergen, S.

    2013-01-01

    Systemic banking crises often continue into recessions with large output losses (Reinhart & Rogoff 2009a). In this paper we ask whether the way Governments intervene in the financial sector has an impact on the economy's subsequent performance. Our theoretical analysis focuses on bank incentives to

  6. An analysis of the impact of liquidity constraints on new financial product development: case of ZB bank

    Directory of Open Access Journals (Sweden)

    Newman Wadesango

    2017-07-01

    Full Text Available The study investigated the impact of liquidity constraints on development of new financial products in commercial banks. The descriptive research design was adopted and a case study of ZB Bank employed. A census sampling technique was adopted and questionnaires and interviews were self-administered by the researchers. Research outcomes proved that liquidity constraints are a major impediment to firm`s innovativeness. Financial project innovations are either not started, delayed or abandoned, but mostly the distribution and delivery of developed services for financial products are highly affected. The results of this study have contributed to existing literature in revealing that financial regulation tends to be another constraint for commercial banks discouraging product innovations. Rapid technological changes seem to fuel the need for new software and hardware for new product development thus necessitating the employment of a skilled workforce for new product development. Furthermore, customer demands are changing on a daily basis due to rapid changes in information technology thus making customer maintenance difficult for commercial banks. Based on the data gathered, the researchers concluded that there is a negative impact on new financial product development due to liquidity constraints. In such constrained times, we recommend that commercial banks should emphasize more the best technique suitable for successful new product development or invest their available funds in the development thereof.

  7. BASEL III IMPACT ON BANKING SECTOR AND SMEs FINANCING

    Directory of Open Access Journals (Sweden)

    Florin Mihai Magda

    2014-07-01

    Full Text Available Financial crisis devastating consequences and effects started in 2008, lead to several reactions coming from the most important international organizations and entities. This article aims to present in a logic manner, synthetic, and easily understand why these prudential reactions occurred and implemented on international level, under a new Basel III framework. Moreover, this article shall encompass also regulation environment for its implementation on the European level, known as CRD IV. This article is actual and important by identifying and underlines main measures applicable in present, their implementation schedule, as well as possible effects especially in SMEs financing. Although their effects are not yet entirely known, creates heated debates and discussions, as consequences may be major for banks and financial entities, as well as for each actor who is playing on economic environment where financing is need. I consider that all my personal conclusions and opinions on this article are important for readers, clarify and bringing into the light, simply and friendly the issues of banking environment and impact of financing under the new Basel III framework, and also presenting few measures in avoiding negative possible effects.

  8. Raptor use of revegetated coal strip mine spoils in interior Alaska

    International Nuclear Information System (INIS)

    Elliott, C.L.

    1994-01-01

    Raptors associated with reclaimed coal strip mine spoils on the Usibelli Coal Mine in southcentral Alaska were observed in 1981 and 1982. Of the 10 raptor species identified on the mine, 6 (red-tailed hawk, golden eagle, Northern harrier, American kestrel, hawk owl, and short-eared owl) were observed hunting on the reclaimed areas

  9. BASEL III IMPACT ON ROMANIAN BANKING SYSTEM PERFORMANCE

    OpenAIRE

    Mariana G. NEDELCU (BUNEA)

    2014-01-01

    In the context of economic and financial crisis triggered in EU by autumn 2008, Romania's banking system like that in the other European countries, faced with the consequences of decreasing the standard of living the worsening of purchasing power (in terms of retail) and with gaps and Delay occurred in the payment of corporate clients. However the deteriorating the quality of bank investments, increasing non-performing loans in bank portfolios totate ultimately causing the accumulation of...

  10. 139 THE IMPACT OF MICROFINANCE BANK CREDIT ON ...

    African Journals Online (AJOL)

    Key words: Microfinance bank, Economic development, Deposit mobilisation, ... a means of reaching those that were not served by the conventional big banks to ..... J (2000) Microfinance Handbook: An Institutional and Financial Perspective.

  11. Ameliorating effects of industrial sugar residue on the Jales gold mine spoil (NE Portugal) using Holcus lanatus and Phaseolus vulgaris as indicators

    Energy Technology Data Exchange (ETDEWEB)

    Bleeker, P.M.; Teiga, P.M.; Santos, M.H.; Koe, T. de; Verkleij, J.A.C

    2003-09-01

    A residue of the sugar industry can be used in revegetation programs on metal contaminated sites. - Phytostabilisation of bare heavily contaminated substrate, such as abandoned mine sites, is considered a very appropriate technology in order to diminish erosion and dispersion of contaminants into the surroundings. In this short-term pot study, application of industrial sugar residue (ISR), a waste product of the sugar industry, proved to ameliorate spoils conditions for plant performance by elevating pH and immobilising several metals. Although arsenate concentrations were positively correlated to spoil pH and spoil treatment with ISR mobilised As, growth of both Phaseolus vulgaris and Holcus lanatus improved significantly after applications of 3.75 g ISR kg{sup -1} dry spoil. Nutrient uptake from the substrate, with the exception of potassium, was elevated by ISR. As a remediation technique ISR application could be effective although in As-contaminated sites application might be restricted to areas where leaching to (ground) water does not form a risk.

  12. Fate of leaf litter deposits and impacts on oxygen availability in bank filtration column studies.

    Science.gov (United States)

    Bayarsaikhan, Uranchimeg; Filter, Josefine; Gernert, Ulrich; Jekel, Martin; Ruhl, Aki Sebastian

    2018-07-01

    Degradation of particulate organic carbon (POC) such as leaf litter might deplete dissolved oxygen within the upper layers of bank filtration, an efficient and robust barrier for pathogens and for various organic micro-pollutants (OMP) in water supply systems worldwide. The degradation of OMP during bank filtration depends on the redox conditions. The present study aimed at identifying the impacts and fates of different local leaves on the oxygen consumption and the possible biological degradation of indicator OMP. Oxygen concentrations initially decreased within the columns from around 8 mg/L in the influent to low concentrations indicating extensive consumption within a short travel distance. Still a substantial oxygen consumption was observed after 250 days. OMP concentrations were not significantly affected by the microbial processes. A layer of calcium carbonate crystallites was observed on the POC layer. Some leaf fragments appeared to be persistant towards degradation and the carbon content relative to nitrogen and sulfur contents decreased within 250 days. The results demonstrate that trees at bank filtration sites might have a strong long-term impact on the subsurface redox conditions. Copyright © 2018 Elsevier Inc. All rights reserved.

  13. Distressed Relationships : Lessons from the Norwegian Banking Crisis

    NARCIS (Netherlands)

    Ongena, S.; Smith, D.C.; Michalsen, D.

    2000-01-01

    This paper measures the economy-wide impact of bank distress on the loss of relationship benefits. We use the near-collapse of the Norwegian banking system during the period 1988 to 1991 to measure the impact of bank distress announcements on the stock prices of firms maintaining a relationship with

  14. Deep water overflow in the Faroe Bank Channel; modelling, processes, and impact

    DEFF Research Database (Denmark)

    Rullyanto, Arief

    , creating new water masses with distinct temperature, salinity and density characteristics. The change of water mass characteristics not only affects the local environment, but also far distant regions. The Faroe Bank Channel, which is located in the southern part of Faroe Islands, is one of the most...... under different circumstances. The focus is on the Faroe Bank Channel, a relatively small region, which has a significant impact on the global ocean circulation and marine organisms that live in its environment....... or tides, but also deep beneath the surface, where deep-water currents circulate waters throughout the world’s oceans. In certain very-localized regions, the flow of the deep-water has to travel over a sill in a narrow submarine channel. This overflow process mixes the deep water with overlying waters...

  15. European Banking Recovery and Resolution Directive: Potential Impacts on European Systemic Important Financial Institutions

    Directory of Open Access Journals (Sweden)

    Clements Akinsoyinu

    2015-09-01

    Full Text Available The great recession heralded in by the subprime mortgage crisis, took a dramatic turn for worse as a result of collapse of the Lehman Brothers bank in September 2008. The crisis deemed to be the most devastating after the Great Depression of 1929, had a debilitating effect on world economies, developing and advanced alike.  The extent of its devastation which  is still being felt in Europe and many parts of the globe reminds us the interconnectedness of financial institutions, particularly those tagged TBTF or SIFIs. Policy makers scrambled to curtail the ugly effect of the crisis by rescuing the SIFIs within their jurisdiction largely through bailout mechanism and provision of implicit guarantee for the debts of failing/failed institutions. As soon as the tide is stemmed, they cast their gaze on new crisis resolution and recovery measures that could rein in systemic risks associated with SIFIs, prevent future crises and reduce the concomitant moral hazards in the current resolution measures. This paper assesses ex ante the potential impact of implementing the new Banking recovery and resolution directives on Europe’s TBTF banksThe great recession heralded in by the subprime mortgage crisis, took a dramatic turn for worse as a result of collapse of the Lehman Brothers bank in September 2008. The crisis deemed to be the most devastating after the Great Depression of 1929, had a debilitating effect on world economies, developing and advanced alike.  The extent of its devastation which  is still being felt in Europe and many parts of the globe reminds us the interconnectedness of financial institutions, particularly those tagged TBTF or SIFIs. Policy makers scrambled to curtail the ugly effect of the crisis by rescuing the SIFIs within their jurisdiction largely through bailout mechanism and provision of implicit guarantee for the debts of failing/failed institutions. As soon as the tide is stemmed, they cast their gaze on new crisis

  16. Foreign bank entry, bank efficiency and market power in Central and Eastern European Countries

    Czech Academy of Sciences Publication Activity Database

    Poghosyan, T.; Poghosyan, Arsen

    2010-01-01

    Roč. 18, č. 3 (2010), s. 571-598 ISSN 0967-0750 Institutional research plan: CEZ:MSM0021620846 Keywords : foreign bank entry * bank efficiency * market power Subject RIV: AH - Economics Impact factor: 0.536, year: 2010

  17. Global financial crisis, ownership and bank profit efficiency in the Bangladesh's state owned and private commercial banks

    OpenAIRE

    Kamarudin, Fakarudin; Sufian, Fadzlan; Nassir, Annuar Md.

    2016-01-01

    Abstract: This paper studies the impact of global financial crisis focusing on State Owned Commercial Banks (SCBs) and Private Commercial Banks (PCBs) ownership and others bank specific and macroeconomics factors influencing profit efficiency level of the Bangladesh banking sector. The Slack-Based Data Envelopment Analysis (SBM-DEA) method employed to compute the profit efficiency of 31 commercial banks operating in the Bangladesh over the years 2004-2011. Furthermore, the multivariate panel ...

  18. Chemical composition of spoil from bituminous coal and anthracite in Spain. Composicion quimica de los esteriles de hulla y antracita de Espana

    Energy Technology Data Exchange (ETDEWEB)

    Gonzalez Canibano, J; Fernandez Valcarce, A

    1991-05-01

    The article describes the chemical composition of spoil from bituminous coal and anthracite in Spain. Chemical composition, mineralogical properties and physical and mechanical characteristics are used to determine the most suitable application for the spoil in order to solve the problem of disposal. 20 refs., 5 figs., 4 tabs.

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

    Directory of Open Access Journals (Sweden)

    Magdalena, RADULESCU

    2014-11-01

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

  20. The impact of efficiency on discretionary loans/finance loss provision: A comparative study of Islamic and conventional banks

    Directory of Open Access Journals (Sweden)

    Fekri Ali Shawtari

    2015-12-01

    Full Text Available The paper investigates whether there is a significance difference between the practices of discretionary loan/finance loss provisions between Islamic and conventional banks. Same time, the paper tests whether the efficiency may influence the behaviour of discretionary loans/finance loss provisions, taken into consideration other micro and macro variables. The study utilizes panel data runs over 1996–2011 with unbalanced observations for 16 banks, of which 4 Islamic banks. In order to achieve research objectives, the two-stage approach is adopted to examine the factors that may influence the behaviour of discretionary loan/finance loss provisions with specific emphasize on the efficiency. Furthermore, efficiency scores are estimated using Data Envelopment Windows Analysis. The findings of the research show that Islamic banks employ the discretionary loans/finance loss provisions to manage their earnings. However, the magnitude of discretion of accruals is significantly lower than conventional banks with exception for foreign banks which have reported lower discretionary loans/finance loss provisions than Islamic banks. Moreover, the analysis showed that efficiency affects the overall discretionary loans/finance loss provision positively, although this impact is shaped differently for Islamic and conventional banks.

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

    Directory of Open Access Journals (Sweden)

    Muhammed Hasan Yılmaz

    2017-10-01

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

  2. 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.)

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

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

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

  4. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  5. Cover layers to the growth of trees and shrobs over a sulfide spoil from gold mining

    Directory of Open Access Journals (Sweden)

    Igor Rodrigues de Assis

    2011-08-01

    Full Text Available This work was done at a gold mine company in Paracatu, MG, Brazil, and was conducted from March 2000 to November 2005. The substrate (spoil studied was a phillite rock which contains sulfides such as pyrite and arsenopyrite. This study aimed to evaluate the survival and growth of plant species on different combinations of substrate layers over the spoil. These layers were a cover layer and a sealing layer, both deposited over the spoil. The treatment 1 had saprolite (B1 in the sealing layer (SL and B1 with liming (B1L in the cover layer (CL. The treatment 2 had B1 in SL and B1L + soil with liming (SoL in the CL. The treatment 3 had B1 + SoL in the SL and B1L in the CL. The treatment 4 had B1 + SoL in the SL and B1L + SoL in the CL. The plant species used were Acacia farnesiana, A. holosericea, A. polyphylla, Albizia lebbeck, Clitoria fairchildiana, Flemingia sp., Mimosa artemisiana, M. bimucronata e Enterolobium contortisiliquum. Forty and 57 months after planting, collardiameter, height, and living plants were evaluated. The greatest survival rate was oobservedintreatmentwith B horizon of an Oxisoil in both layers, with 80 %. In general, M. bimucronata and A. farnesiana species showed the highest survival rate. The arsenic-content by Mehlich 3 in the cover layer ranged from 0.00 to 14.69 mg dm- 3 among treatments. The experimental results suggest that layers combinations above the sulfide substrate allow the rapid revegetation of the spoil.

  6. A STUDY ON E-BANKING SERVICES: ITS RISKS AND IMPACTS

    OpenAIRE

    Sinha, Rajni

    2016-01-01

    Today’s world is one with increasing online access to services. One part of this which is growing rapidly is Internet Banking. Internet banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent devices. Though a large volume of literature is accessible on E-banking, this area is still a work in progress and offers a wide array of opportunities for further research and appl...

  7. Generating femtosecond X-ray pulses using an emittance-spoiling foil in free-electron lasers

    Energy Technology Data Exchange (ETDEWEB)

    Ding, Y., E-mail: ding@slac.stanford.edu; Coffee, R.; Decker, F.-J.; Emma, P.; Field, C.; Huang, Z.; Krejcik, P.; Krzywinski, J.; Loos, H.; Lutman, A.; Marinelli, A.; Maxwell, T. J.; Turner, J. [SLAC National Accelerator Laboratory, Menlo Park, California 94025 (United States); Behrens, C. [Deutsches Elektronen-Synchrotron DESY, Notkestr. 85, 22607 Hamburg (Germany); Helml, W. [Technische Universität München, James-Franck-Straße 1, 85748 Garching (Germany)

    2015-11-09

    Generation of femtosecond to sub-femtosecond pulses is attracting much attention in X-ray free-electron laser user community. One method is to use a slotted, emittance-spoiling foil which was proposed before (P. Emma et al., Phys. Rev. Lett. 92, 074801 (2004)) and has been widely used at the Linac Coherent Light Source. Direct experimental characterization of the slotted-foil performance was previously unfeasible due to a lack of appropriate diagnostics. With a recently installed X-band radio-frequency transverse deflector, we are able to characterize the electron bunch spoiling effect and X-ray pulse when using the slotted foil. We show that few-femtosecond X-ray pulses are generated with flexible control of the single-pulse duration or double-pulse separation with comparison to the theoretical model.

  8. Bank regulation and financial fragility in developing countries

    NARCIS (Netherlands)

    Klomp, Jeroen; Haan, de Jakob

    2015-01-01

    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

  9. The Impact of Internal Factors on Bank Profitability in Kosovo

    Directory of Open Access Journals (Sweden)

    Leonora Haliti Rudhani

    2016-02-01

    Full Text Available Commercial banks play an important role in the economic development and financial stability; therefore this study investigated the influence of internal factors in the profitability of commercial banks in Kosovo. Based on the literature review, a crucial internal factor on the profitability of banks in Kosovo was deemed: the repayment of assets (ROA as a measure of profitability influenced by other independent variables, such as: bank size, capital adequacy, loan and liquidity risk. The aim of this study is to investigate the empirical relation between internal factors determining bank profitability and profitability as a dependent variable. The empirical analysis is based on the data of commercial banks in Kosovo published in the period 2010-2014. The data were analysed with SPSS 21 version, and the hypotheses were tested by means of correlation and linear regression. The findings of the study proved that commercial banks in Kosovo could enlarge their profitability by increasing the level of bank loaning and other investments, except for managing risk and liquidity properly.

  10. Impact of Macroeconomic and Endogenous Factors on Non-Performing Bank Assets

    OpenAIRE

    Swamy, Vighneswara

    2012-01-01

    Determinants of default risk of banks in emerging economies have so far received inadequate attention in the literature. Using panel data techniques, this paper seeks to examine the impact of macroeconomic and endogenous factors on non-performing assets for the period from 1997-2009. The findings of the study reveal some interesting inferences contrary to the perception of few opinion makers. Lending Rates have been found to be not so significant in affecting the NPAs contrary to the general ...

  11. Corporate Governance in Banks and its Impact on Risk and Performance: Review of Literature on the Selected Governance Mechanisms

    Directory of Open Access Journals (Sweden)

    Himaj Shkendije

    2014-09-01

    Full Text Available Corporate governance is viewed as an important, essential, and most significant factor for well-functioning of firms. Recent academic work and policy analyses have given insight into the governance problems in banks exposed to the financial crisis and suggest possible solutions. This paper begins by explaining the importance of corporate governance and its impact on risk taking and bank performance based on the theoretical background relevant to the corporate governance of banks. I combine the literature that looks at three areas of governance: ownership structure; board structure; and risk management, with the literature on risk-taking and performance effects in order to better assess the weight of the impact that these governance mechanisms have on both performance and risk. The paper concludes by highlighting the areas where further research is needed.

  12. The impact of macro news and central bank communication on emerging European forex markets

    Czech Academy of Sciences Publication Activity Database

    Égert, B.; Kočenda, Evžen

    2014-01-01

    Roč. 38, č. 1 (2014), s. 73-88 ISSN 0939-3625 R&D Projects: GA ČR(CZ) GAP403/11/0020 Institutional support: PRVOUK-P23 Keywords : exchange rate * macroeconomic news * central bank communication Subject RIV: AH - Economics Impact factor: 0.649, year: 2014

  13. The Impact of Financial Development on the Relationship between Trade Credit, Bank Credit and Firm Characteristics

    OpenAIRE

    Jézabel Couppey-Soubeyran; Jérôme Héricourt

    2013-01-01

    Using a database of more than 1,300 firms from six countries in the MENA region, we study the impact of financial development on the relationship between trade credit on the one hand and bank credit access and firm-level characteristics, especially financial health, on the other hand. Trade credit use increases with the difficulty for gaining access to bank credit, and indicators of the quality of the firm's financial structure negatively influence the use of trade credit. Additional investig...

  14. The Impact of Financial Liberalization on Islamic Bank's Efficiency in Indonesia

    Directory of Open Access Journals (Sweden)

    Wiwiek Rabiatul Adawiyah

    2015-10-01

    Full Text Available The aim of this research is analyze the state of efficiency demonstrated by foreign banks, as aggressor, as compared to that of the local banks – government banks and Islamic banks during the period 2009-2012. Data Envelopment Analysis (DEA with intermediation approach is used as the main tool of analysis. Input variable chosen are deposit, asset, and personnel expenses. Meanwhile loan and income are chosen as output variable. To find out the difference of efficiency between foreign banks and islamic banks, this study use parametric different test of Independent Sample T-test. The study indicates that foreign banks are less efficient if compared to the local banks, especially Islamic banks and Sharia Business Units. It is also evidenced that there is no significant difference between the efficiency of foreign and Islamic banks during the period 2009-2012.DOI: 10.15408/aiq.v7i2.1680

  15. Impact of Corporate Social Responsibility on Financial Performance: Evidence from Listed Banks in Nigeria

    Directory of Open Access Journals (Sweden)

    Joseph UGOCHUKWU MADUGBA

    2016-07-01

    Full Text Available The major purpose of the study is to examine the Impact of CSR on Earning Per Share (EPS, Return On Capital Employed (ROCE and Dividend Per Share (DPS of listed banks in Nigeria. It is believed by the researchers that this study will be of immense use to the government, financial institutions and the general public. The study covered the period 2010-2014. The Impact of EPS, ROCE and DPS was tested on CSR. Simple regression analysis was employed by the researchers in testing the data collected from the annual published financial statement of the selected banks. The regression result showed that EPS and DPS have negative significant relationship with CSR while ROCE has a positive significant relationship with CSR. The research recommends that the government should by way of legislation through regulatory authorities, compel financial institutions to embark actively in CSR, also CSR should be seen as an investment and reported as such in the financial statements of financial institutions.

  16. THE BANKING SUPERVISION: CAN IT REDUCE THE RISK-TAKING AND, CONSEQUENTLY, STRENGTHEN THE STABILITY OF THE BANKING SECTOR IN MOLDOVA?

    Directory of Open Access Journals (Sweden)

    Elena MARGARINT

    2015-12-01

    Full Text Available Actuality: The empirical studies on the impact of the supervision on the stability of the banking sector are mitigated, varying depending on the particular characteristics of the bank and, in addition, the country's policy in which banks operate. This is why this study is important for the banking sector in Moldova. Purpose: The objective of this article is to studies the effects of the banking supervision on the risk-taking of banks and, consequently, the stability of the banking sector in Moldova. Methods: To order to achieve its purpose, the author applied the method of static panel data with random effect. Results: This empirical analysis reported the following results: increased restrictions on the activities of banks increases the stability of the banking sector. On the other hand, the power and independence of the supervisory authority have a negative impact on the stability of Moldovan banks. The increase of the capital level strengthens the stability of Moldovan banks and, at the same time, reduces the risk. Thus, capital regulations are an important pillar of the policy of the regulation of the banking sector of Moldova.

  17. Essays in banking and household finance

    NARCIS (Netherlands)

    Diepstraten, Maaike

    2018-01-01

    The thesis consists of four chapters in banking and household finance. The first chapter examines the joint impact of bank size and scope on banks’ exposure to systemic risk. It shows that the dark side of diversification dominates for small banks, whereas the bright side effects of diversification

  18. An investigation on loyalty formation model in e-banking customers: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Mahmood Reza Esmaeili

    2013-03-01

    Full Text Available E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with designing and explanation of loyalty formation model in e-banking. The preliminary results indicate that “satisfaction” is the most influential component affecting customer loyalty formation with an 87% diagnose coefficient. In addition, trust formation in customers may impact loyalty in an electronic environment with a 70% diagnose coefficient. Moreover, the most important factors impacting customer satisfaction include “reputation” “perceived value,” “service quality,” and “habit” with relative effects coefficients of 44%, 32%, 29%, and 26%, respectively. Finally, “reputation,” “service quality,” “habit” and “perceived value” have been the most important factors influencing customer trust with influence coefficients of 37%, 32%, 31%, and 24%, respectively.

  19. An investigation on loyalty formation model in e-banking customers: A case study of banking industry

    OpenAIRE

    Mahmood Reza Esmaeili; Amir Hooshang Nazarpoori; Masumeh Najafi

    2013-01-01

    E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with...

  20. Exact algebraization of the signal equation of spoiled gradient echo MRI

    Energy Technology Data Exchange (ETDEWEB)

    Dathe, Henning [Department of Orthodontics, Biomechanics Group, University Medical Centre, Goettingen (Germany); Helms, Gunther, E-mail: ghelms@gwdg.d [MR-Research in Neurology and Psychiatry, University Medical Centre, Goettingen (Germany)

    2010-08-07

    The Ernst equation for Fourier transform nuclear magnetic resonance (MR) describes the spoiled steady-state signal created by periodic partial excitation. In MR imaging (MRI), it is commonly applied to spoiled gradient-echo acquisition in the steady state, created by a small flip angle {alpha} at a repetition time TR much shorter than the longitudinal relaxation time T{sub 1}. We describe two parameter transformations of {alpha} and TR/T{sub 1}, which render the Ernst equation as a low-order rational function. Computer algebra can be readily applied for analytically solving protocol optimization, as shown for the dual flip angle experiment. These transformations are based on the half-angle tangent substitution and its hyperbolic analogue. They are monotonic and approach identity for small {alpha} and small TR/T{sub 1} with a third-order error. Thus, the exact algebraization can be readily applied to fast gradient echo MRI to yield a rational approximation in {alpha} and TR/T{sub 1}. This reveals a fundamental relationship between the square of the flip angle and TR/T{sub 1} which characterizes the Ernst angle, constant degree of T{sub 1}-weighting and the influence of the local radio-frequency field.

  1. Penerapan Business Continuity Pada Bank Central Asia

    OpenAIRE

    Chandra, Keefe Darius

    2017-01-01

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

  2. Bank Risk Profile, Good Corporate Governance And Company Values in Banking Companies Go Public in Indonesia

    OpenAIRE

    Susi Retna Cahyaningtyas; Elin Erlina Sasanti; Wahidatul Husnaini

    2017-01-01

    The latest Bank Indonesia Regulation No.14/18/PBI/2012 requires bank to have minimum capital of 8%-14% depends on the risk profile of each bank. Therefore, the main objective of this research is to assess whether the total of inherent risk profile of each bank meets the terms of this regulation. In addition, this study aims to examine the impact of inherent risk profile and GCG on the banking company value. The sample in this study is determined by purposive sampling method and resulted in 24...

  3. The Impact of Training and Development on Job Satisfaction: A Case Study of Private Banks in Erbil

    OpenAIRE

    Govand Anwar; Inji Shukur

    2015-01-01

    The purpose of this study is to find out the impact of training and development on job satisfaction in private banks in Erbil. Many businesses have found that investing employees through training and development in order to enhance employees‘ efficiency extremely important. The study was carried out in private banks in Erbil. A quantitative method was used to analyze the current study, 89 participants were involved in this study. The researcher set two separate research hypothesis, the first ...

  4. Impact of leadership styles on employees’ attitude towards their leader and performance: Empirical evidence from Pakistani banks

    Directory of Open Access Journals (Sweden)

    Muhammad Asrar-ul-Haq

    2016-06-01

    Full Text Available This paper reports the findings of a study examining the impact of managers’ leadership styles on subordinates’ performance. The impact of leadership styles on employee performance outcomes is explored theoretically and tested empirically in the Pakistani banking sector. The sample of the study consisted of 224 full-time employees in the banking sector of Pakistan. Findings of this study reveal that there exists a significant relationship between transformational leadership and employee performance outcomes. However, laissez-faire leadership style showed negative relationship with employee performance outcomes in terms of effectiveness, and employee satisfaction. Banking industry in Pakistan is prone to numerous challenges including employee turnover. Model presented in the study will be helpful for the human resource managers and top management to design effective leadership development programs. HRD department can be established and HRD professionals can be hired to assist the managers in organizing training and development programs. Further, it may help to design strategies to satisfy, retain and motivate the employees. Also, it will help the managers decide, which leadership style they should choose in terms of outcomes.

  5. Bank Risk-taking, Country Financial Capacity and Bank Bailouts in Crisis Periods

    DEFF Research Database (Denmark)

    Schiozer, Rafael Felipe; Vilarins, Ramon S.; Mourad, Frederico A.

    , in normal times, rescue guarantees to large financial institutions distort competition in the sector and increase the risk of the unprotected institutions. Moreover, unprotected banks decrease their risk exposures faster than protected banks after the eruption of the 2007-2008 crisis, particularly......This paper analyzes the impact of government bailout policies on the risk of the banking sector in OECD countries between 2005 and 2013. Consistent with previous literature, we verify that financial institutions with high bailout expectations assume higher risks than others do. We also find that...

  6. The Impact of Bank and Non-Bank Financial Institutions on Local Economic Growth in China

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.

    2006-01-01

    This paper provides evidence on the relationship between finance and growth in a fast growing country, such as China.Employing data of 27 Chinese provinces over the period 1995-2003, we study whether the financial development of two different types of institutions - banks and non-bank financial

  7. The Impact of Organizational Structure and Lending Technology on Banking Competition

    NARCIS (Netherlands)

    Degryse, H.A.; Laeven, L.; Ongena, S.

    2006-01-01

    Recent theoretical models argue that a bank's organizational structure reflects its lending technology.A hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information.We investigate theoretically and empirically how bank

  8. The flow properties of colliery spoil rockpaste as used in the infilling of abandoned mine workings

    Energy Technology Data Exchange (ETDEWEB)

    Ghataora, G.S.; Jarvis, S.T. [University of Birmingham, Birmingham (United Kingdom)

    1998-07-01

    Colliery spoil is the major constituent of colliery spoil 'rockpaste' which has been used to infill abandoned limestone mines in the West Midlands of England since the early 1980s. The other constituents of rockpaste are pulverised fuel ash, lime and water. A key property of the rockpaste is its ability to flow within the mine workings over considerable distances before setting. This paper describes the work carried out to identify suitable sites as sources of colliery spoil for making rockpaste and goes on to consider the flow properties of the material and the monitoring methods used on-site. A full-scale trial comprising infilling a 6600 m{sup 3} section of an abandoned mine was conducted prior to the infilling of the Littleton Street Mine which had a volume of about 500 000 m{sup 3}. As well as describing the methods used for monitoring the movement of rockpaste material, a description is also given of a dip-meter developed specifically for the purpose of measuring the level of paste in the mine. The monitoring systems developed for use in the two case studies presented in this paper are now being used extensively for infilling other abandoned mine workings. 5 refs., 16 figs., 1 tab., 1 plate.

  9. Intervention in systemic banking crises

    NARCIS (Netherlands)

    Homar, T.

    2016-01-01

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

  10. THE IMPACT OF THE FALLING OIL PRICES ON THE BANKING SECTOR AND THE BANKING CRISIS IN AZERBAIJAN

    Directory of Open Access Journals (Sweden)

    Nijat Huseynov

    2018-03-01

    Full Text Available The Banking sector in Azerbaijan has been one of the most affected sectors and volatile due to the falling oil prices. In the recent years, the government’s approach to the banking sector has changed significantly. The national currency has depreciated against the foreign currencies. The main goal of this paper is to clarify the current situation and key challenges in the Azerbaijan Banking sector including assessing the role of the Central Bank of Azerbaijan Republic (CBA. In this paper, the crucial problems in the financial sector are also indicated and some key points for the future actions are recommended.

  11. STUDY REGARDING THE PERFORMANCE OF THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Maria Daciana Rodean Cozma

    2014-09-01

    Full Text Available Bank performance is an indicator of the quality management and soundness of commercial banks. The systemic role of the commercial banks in the Romanian economy and their role of main creditor determine the supervisors to monitories their performance and their capacity to face the challenges. Taking into account that we are talking about a banking system which has not yet exceeded during turbulence generated by economic and financial crisis, the aim of this study is to identify and analyze the main determinants of bank performance, so any shocks that may impact on this indicator to be identified early and minimized. The financial authorities, in their attempt to avoid new bank failures, because of their negative impact on the entire financial system, have imposed new capital requirements in order to strengthen the banking system’ capacity to absorb shocks. The most used indicators in order to measure the performance of the banking system are return on assets and return on equity. Taking into accounts this consideration the main objective of this study is to analyze the determinants that have a major impact on the banking system performance in an empirical and theoretical manner. To achieve this goal we used a quantitative method, the Pearson’s coefficient. Into the model were involved datas recorded by Romanian banking system in the period 2008-2013, processed by the publications of National Bank, the International Monetary Fund and the National Institute of Statistics. In the model of the correlation coefficient, the regression involved the following indicators: solvency, nonperforming loans as a percentage of total loans, gross domestic product and inflation. The results demonstrated that the factor that have the greatest impact on banking performance is the solvency ratio, followed by the nonperforming loans, the inflation rate and by the gross domestic product. So it can be observe that internal determinants have a biggest impact on the

  12. Corporate governance and bank performance: Evidence from Bangladesh

    Directory of Open Access Journals (Sweden)

    Mohammad Badrul Muttakin

    2012-01-01

    Full Text Available The study investigates the relationship between the corporate governance structure and performance of listed banks in Bangladesh. We find that board independence and board size have a significant positive impact on performance. However, female directors appear to have no impact on performance. Our evidence indicates that the extent of the managerial ownership level has a significant negative impact on bank performance. These results suggest that better corporate governance mechanisms are imperative for every banking company and should be encouraged for the interest of the investors and other stakeholders.

  13. Foreign bank entry, bank efficiency and market power in Central and Eastern European Countries

    NARCIS (Netherlands)

    Poghosyan, Tigran; Poghosyan, Arsen

    2010-01-01

    This article analyses the implications of the recently observed sharp expansion of foreign banks in the Central and Eastern European Countries (CEECs) as measured by equity ownership. We show that the mode of foreign entry has a pivotal impact on the post-entry performance of banks in CEECs. Foreign

  14. The impact of Taxation on Bank Leverage and Asset Risk

    NARCIS (Netherlands)

    Horvath, B.L.

    2013-01-01

    Abstract: The tax-bene t of interest deductibility encourages debt nancing, but regulatory and market constraints create dependency between bank leverage and risk. Using a large international sample of banks this paper estimates the short and long run effects of corporate income taxes (CIT) on bank

  15. An appraisal of the potential use of fly ash for reclaiming coal mine spoil.

    Science.gov (United States)

    Ram, Lal C; Masto, Reginald E

    2010-01-01

    Growing dependence on coal-fired power plants for electrical generation in many countries presents ongoing environmental challenges. Burning pulverized coal in thermal power plants (TPPs) generates large amounts of fly ash (FA) that must be disposed of or otherwise handled, in an environmentally-sound manner. A possible option for dealing with fly ash is to use it as an amendment for mine spoil or other damaged soil. It has been demonstrated through studies in India and other countries that FA alone or in combination with organic or inorganic materials can be used in a productive manner for reclamation of mine spoil. The characteristics of FA, including silt-sized particles, lighter materials with low bulk density (BD), higher water holding capacity, favorable pH and significant concentrations of many essential plant nutrients, make it a potentially favorable amendment for mine spoil reclamation. Studies have indicated that the application of FA has improved the physical, chemical and biological qualities of soil to which it is applied. The release of trace metals and soluble salts from FA could be a major limitation to its application. This is particularly true of fresh, un-weathered FA or acidic FA, although perhaps not a concern for weathered/pond ash or alkaline FA. Some potential contaminants, especially metals and other salt ions, could be immobilized and rendered biologically inert by the addition of certain inorganic and organic amendments. However, in view of the variability in the characteristics of FAs that are associated with location, feed coal, combustion conditions and other factors, the suitability of a particular FA for a specific soil/mine spoil needs to be critically evaluated before it is applied in order to maximize favorable results and eliminate unexpected consequences. FA generated in India tends to be mostly alkaline, with lower levels of trace elements than are often found in FAs from other countries. The concentrations of potential

  16. 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.

  17. The Challenges of Basel III for Romanian Banking System

    Directory of Open Access Journals (Sweden)

    Anca Elena NUCU

    2011-12-01

    Full Text Available Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the impact of Basel III upon banking system in Romania is considered to be limited. The measures which credit institutions could take to mitigate the impact of alignment with the new standards are business model adjustment and balance sheet restructuring.

  18. Stillbirth and stigma: the spoiling and repair of multiple social identities

    OpenAIRE

    Brierley-Jones, L.; Crawley, R.; Lomax, S.; Ayers, S.

    2014-01-01

    This study investigated mothers' experiences surrounding stillbirth in the United Kingdom, their memory making and sharing opportunities, and the effect these opportunities had on them. Qualitative data were generated from free text responses to open-ended questions. Thematic content analysis revealed that "stigma" was experienced by most women and Goffman's (1963) work on stigma was subsequently used as an analytical framework. Results suggest that stillbirth can spoil the identities of "pat...

  19. Macroeconomic and industry-specific determinants of Greek bank profitability

    Directory of Open Access Journals (Sweden)

    Zampara, K.

    2017-03-01

    Full Text Available Purpose: The purpose of this paper is to investigate the external factors that influence the profitability of a typical Greek systemic bank over the period 2001 – 2014. Design/Methodology/Approach: A conceptual framework incorporating two fundamental groups of const ructs, namely, macroeconomic forces and industry related factors, was developed. Two constructs were examined in the former: GDP growth rate and unemployment rate, whilst two attributes were explored in the latter; the bank's market share, both in terms of deposits and in terms of assets, and the banking market growth, also both in terms of the market's total assets and total deposits. In order to isolate the effects of the ongoing financial crisis, the research was undertaken for two periods, firstly 2001 to 2014 and secondly, the period 2001 - 2011, which excluded the deep recession. Consequently, multiple regression analysis was conducted and linear models were specified by means of OLS. Findings: The empirical analysis revealed that both macroeconomic forces and industry-related factors affect bank profitability. As far as the macroeconomic factors are concerned, unemployment rate has a negative impact, whereas the GDP growth rate has a positive impact on bank profitability. The industry -related factors, rate of growth of the industry's deposits and bank's assets market share have a positive impact on the financial performance of the bank. Finally, the rate of growth of the industry's assets and the bank's deposits market share have a negative effect on bank profitability. Originality/Value: This study reveals the mechanism determining bank profitability over a recent period that includes the financial crisis. Moreover, understanding the impact of macroeconomic forces as well as industry related attributes on bank profitability may enable banks to focus on the most critical factors in their decision process.

  20. Shadow banking, relationship banking, and the economics of depression

    Directory of Open Access Journals (Sweden)

    Antonio Bianco

    2015-12-01

    Full Text Available The paper explores whether a theory of banks doing ‘finance through money creation’ implies a reconsideration of demand-side macro theory as well. To this aim, a simple methodological accounting model of the influence of financial markets over the real economy is presented. The model allows a tidy comparison of relationship and shadow banking, interpreted as alternative schemes of liquidity (not credit risk management. The model emphasizes the interdependencies in entrepreneurs’ animal spirits, liquidity risk management schemes adopted by financial institutions, and effective demand of households. The underlying idea is that fluctuations in the composition of property incomes trigger fluctuations in non-financial investment that, in turn, drive fluctuations in spending. The article finds that both relationship and shadow banking must have a pro-cyclical impact, and differences are essentially based on different liquidity risk management aggregate cost functions. The model developed here suggests that securitisation does not per se affect the financial sustainability of the growth process, but regulatory measures aimed at checking predatory lending and re-securitisation activities are needed to avoid possible adverse impacts on animal spirits. JEL codes: E44, G20, O16.

  1. Women in Jordanian banks and performance: Financial accounting measurement

    OpenAIRE

    Muhannad Akram Ahmad; Seif Obeid Alshbiel

    2016-01-01

    This study highlights the gender diversity issues in the banking sector taking into consideration their impact on the performance measured by profitability (ROA). As the banking sector has widely been ignored from the previous studies due to their strict system, this study empirically examined the impact of the CEO gender and board with a female director on the performance of the Jordanian commercial banks in a period from 2004 to 2013. The multiple regression analysis shows that the banks wi...

  2. 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

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

    Directory of Open Access Journals (Sweden)

    Tram Nguyen

    2018-01-01

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

  4. Liquidity Risk Sensitivity of Czech Commercial Banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2014-01-01

    Full Text Available The recent financial crisis has shown that a liquidity risk plays an important role in the current developed financial system. One of the efficient tools of liquidity risk management is stress testing which can show banks their potential vulnerability to liquidity shocks. The aim of this paper is therefore to measure the liquidity risk sensitivity of Czech commercial banks and to find out the most severe scenario and the most vulnerable bank. Our sample included significant part of the Czech banking sector; we used unconsolidated balance sheet data over the period from 2000 to 2011 which were obtained from annual reports of Czech banks. We have evaluated liquidity risk of each bank in the sample via six different liquidity ratios. Then we stressed these baseline values in three stress scenarios: run on a bank (simulated by a 20% withdrawal of deposits, confidence crisis on the interbank market (simulated by a withdrawal of 20% of interbank deposits and use of committed loans by counterparties (simulated by a 5% increase of loans provided to nonbank clients. We measured the impact of all scenarios by relative change of liquidity ratios. The impact of modelled liquidity shocks differs among scenarios. The most serious liquidity problems would be caused by the first scenario – run on a bank. The negative influence of third scenario (use of committed loans is less severe. The confidence crisis on the interbank market would not affect bank liquidity at all. The results also show that the severity of the impact of all scenarios worsens in periods of financial distress. We have also found that large and medium sized banks are most vulnerable to liquidity shocks, mainly to massive deposit withdrawals.

  5. Information and communication technology and bank performance ...

    African Journals Online (AJOL)

    Different sectors of world economies are rapidly being affected by improved technology. Banking sector is also witnessing the trend in Nigeria. Information and communication Technology is said to have impacted the banking sector massively as the banks in Nigeria introduce products that would help improve their efficiency ...

  6. Empirical Assessment on Financial Regulations and Banking Sector Performance

    Directory of Open Access Journals (Sweden)

    Igbinosa S.

    2017-09-01

    Full Text Available This study examines financial regulation and banking sector performance in Nigeria. Specifically, the study determines the impact of reforms on banking sector performance and also assesses the nexus between capital adequacy and banking sector performance. Time series data for the period 1993 to 2014 was used. As an analytical tool, the study uses unit root test to determine the stationary state of the variables. We also employed the Johansson co-integration and error correction model (ECM statistical techniques to establish both short-run and long-run dynamic relationships between the endogenous and exogenous variables. The empirical findings indicate that financial regulation significantly impacts the banking sector performance while financial regulation has both short-run and long-run dynamic relationships with the banking sector performance in Nigeria. It was found that the four-period lag of capital adequacy negatively affects banking sector performance and is not statistically significant. The paper suggests that the Central Bank of Nigeria (CBN should continually make public the impacts that the various financial regulations and reforms have on the performance of Nigerian banks. Majority of the policies on financial regulation by the apex bank (CBN need to be long-run which can enable confidence of stakeholders, shareholders and the general public in the Nigerian banking industry when critically evaluated.

  7. Factors influencing accounting conservatism in banks: the UAE case

    Directory of Open Access Journals (Sweden)

    Magdi El-Bannany

    2017-06-01

    Full Text Available The purpose of this study is to determine the factors influencing the accounting conservatism for banks in the UAE over the period 2006-2013. Design/methodology/approach – Multiple regression analysis is used to test the relationship between accounting conservatism as a dependent variable and the independent variables intellectual capital performance, market structure, level of protection against risk, bank size, and bank profitability. The results indicate that intellectual capital performance, market structure, bank size, the level of protection against risk and bank profitability have significant impact on the accounting conservatism for banks in the UAE. These results might help the banking and accounting regulators to address the factors affecting accounting conservatism. This study adds to the literature on the determinants of accounting conservatism in banks. In particular, it tests whether the new theories of intellectual capital performance, market structure and level of protection against risk have an impact on accounting conservatism in the banking industry in the UAE.

  8. Trade Openness and Bank Risk-Taking Behavior: Evidence from Emerging Economies

    Directory of Open Access Journals (Sweden)

    Badar Nadeem Ashraf

    2017-07-01

    Full Text Available In this paper, we examine the impact of trade openness on bank risk-taking behavior. Using a panel dataset of 291 banks from 37 emerging countries over the period from 1998 to 2012, we find that higher trade openness decreases bank risk-taking. The results are robust when we use alternative bank risk-taking proxies and alternative estimation methods. We argue that trade openness provides diversification opportunities to banks in lending activities, which decrease overall bank risk. Further to this end, we observe that higher trade openness helps domestic banks to smooth out income volatility and decreases the impact of a financial crisis on banks.

  9. Detecting the impact of bank and channel modification on invertebrate communities in Mediterranean temporary streams (Sardinia, SW Italy).

    Science.gov (United States)

    Buffagni, Andrea; Tenchini, Roberta; Cazzola, Marcello; Erba, Stefania; Balestrini, Raffaella; Belfiore, Carlo; Pagnotta, Romano

    2016-09-15

    We hypothesized that reach-scale, bank and channel modification would impact benthic communities in temporary rivers of Sardinia, when pollution and water abstraction are not relevant. A range of variables were considered, which include both artificial structures/alterations and natural features observed in a stream reach. Multivariate regression trees (MRT) were used to assess the effects of the explanatory variables on invertebrate assemblages and five groups, characterized by different habitat modification and/or features, were recognized. Four node variables determined the splits in the MRT analysis: channel reinforcement, tree-related bank and channel habitats, channel modification and bank modification. Continuity of trees in the river corridor diverged among MRT groups and significant differences among groups include presence of alders, extent of channel shading and substrate diversity. Also, the percentage of in-stream organic substrates, in particular CPOM/Xylal, showed highly significant differences among groups. For practical applications, thresholds for the extent of channel reinforcement (40%) and modification (10%) and for bank alteration (≈30%) were provided, that can be used to guide the implementation of restoration measures. In moderately altered river reaches, a significant extent of tree-related habitats (≈5%) can noticeably mitigate the effects of morphological alteration on aquatic invertebrates. The outcomes highlight the importance of riparian zone management as an opportune, achievable prospect in the restoration of Mediterranean temporary streams. The impact of bank and channel modification on ecological status (sensu WFD) was investigated and the tested benthic metrics, especially those based on abundance data, showed legible differences among MRT groups. Finally, bank and channel modification appears to be a potential threat for the conservation of a few Sardo-Corsican endemic species. The introduction of management criteria that

  10. The Impact of Mergers Inefficiency: A Case Study of Banking Status

    Science.gov (United States)

    2007-12-01

    20 M. SWITZERLAND ...........................................................................................22 1. Due Diligence vs . Bank Secrecy...strength, held at the end of 2006, “The national consolidation of banks has produced stronger franchises and generated huge synergies for them while also...already set that foreign banks could have some form of ownership in Polish banks. However, after the 8 completion of the transaction, Poland’s

  11. 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.

  12. French bank mergers and acquisitions performance

    Directory of Open Access Journals (Sweden)

    Houda Ben Said

    2017-11-01

    Full Text Available In this paper, we empirically investigate the impact of mergers and acquisitions on French bank performance. Performance is measured by potential gains in efficiency and value creation. We first analyzed efficiency using the data envelopment analysis (DEA under input oriented with variable returns to scale to obtain the efficiency scores. Second, we analyzed the impact on French bank value creation following mergers-acquisitions operations of a set of control variables (model 1 and explicative variables measuring strategic similarities between bidders and targets (model 2. The sample studied is composed of French bank mergers-acquisitions happening between 1996 and 2006 and implying one of the 14 greatest French banking groups. Empirical result showed that mergers and acquisitions have been traduced by an improvement in the overall efficiency by 17.82% and a shareholder value reduction by 5.14%

  13. BANKING SYSTEM FRAGILITY: CASE OF THE REPUBLIC OF MOLDOVA

    Directory of Open Access Journals (Sweden)

    Dorina CLICHICI

    2014-04-01

    Full Text Available The paper studied the determinants of Moldovan banking system fragility. It underlines the existing researches into the empirical determinants of banking fragility. The analysis revealed that there are numerous channels through which weaknesses within the macroeconomic conditions and structural characteristics might increase banking system fragility. The main macroeconomic determinants which may have an impact on Moldovan banking system fragility are: excessive domestic liquidity, pro-cyclical character of the banking system, dependence on remittances, financial dollarization. There are also several banking characteristics which play a role for Moldovan banking system fragility: the undermined intermediation function, high level of bad loans, uncertainties in the ownership structure, low presence of foreign strategic investors. The paper employed a quantitative, a qualitative and a comparative analysis using the financial soundness and structural indicators of the Moldovan banking system in order to assess the impact of various determinants on Moldovan banking system fragility. The results reveal a high degree of capitalization and liquidity of Moldovan banking system, factors which contribute and maintain the general stability of the entire financial system.

  14. THE IMPACT OF THE FINANCIAL CRISIS ON THE EUROPEAN BANKS

    Directory of Open Access Journals (Sweden)

    DAVID DELIA

    2012-07-01

    Full Text Available The fast innovations existent on financial markets and the internationalization of cash-flows in the last decade led to changes within the banking industry making it unrecognized. The financial innovation within the banking industry, especially the one regarding the off-balance-sheet instruments has effects as the risk focus and the increase of volatility within the entire banking industry. As it is proved by the economic crisis, the financial stability plays an important role within the financial system as well as within the economy as a whole. At the moment, as the number of active financial institutions is getting higher and higher in one or more countries or on one or more continents, the financial stability at a worldwide level became even more important. The objective of this work is to emphasize the way in which the European banks were affected once with the global financial crisis. The economic crisis was triggered by the bankruptcy of the Lehman Brothers ‘ Investment Bank, in the autumn of 2008 and its effects were felt at the level of the European financial markets, a series of cross-border groups claiming interventions of the state in order for them to be saved. The intensity of the crisis was felt and it affected many states, the impact of these ones being influenced by a series of specific factors which outlined the situation of their financial system, at the moment of the crisis release. At the level of the European Union, a series of measures have been established in order to extinguish the identified dysfunctions at a financial field level, among which we mention: the improvement of the surveillance framework of those financial institutions having cross-border activity, the expansion of the communication and cooperation among the EU surveillance authorities and the ones outside the Union, etc. The conclusions of the study of this paper work in regards to the activity of the main European banks, especially to the ones from

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

    Directory of Open Access Journals (Sweden)

    Titon Adrinanto

    2016-02-01

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

  16. Thermal inactivation of polyphenoloxidase and peroxidase in Jubileu clingstone peach and yeast isolated from its spoiled puree

    Directory of Open Access Journals (Sweden)

    Andréa Menezes Lopes

    2014-03-01

    Full Text Available The thermal inactivation of yeast isolated from spoiled Jubileu peach puree and that of polyphenoloxidase (PPO and peroxidase (POD in cv. Jubileu, which is widely cultivated in southern Rio Grande do Sul state, Brazil, were studied. PPO and POD were extracted using the protein powder method and submitted to partial purification by precipitation followed by dialysis. The enzymatic activity was determined measuring the increase in absorbance at 420 nm for PPO and 470 nm for POD. The yeast used in this investigation was isolated from spoiled Jubileu peach puree at 22 °Brix, with total initial microbial count of 22 × 10² UFCmL- 1. Stock cultures were maintained on potato dextrose agar (PDA slants at 4 °C and pH 5 for later use for microbial growth. In all cases, kinetic analysis of the results suggests that the thermal inactivation was well described by a first-order kinetic model, and the temperature dependence was significantly represented by the Arrhenius law. Both enzymes were affected by heat denaturation, and PPO was more thermostable. PPO was also more thermosTable than the yeast isolated from peach puree. The D60-values were 1.53 and 1.87 min for PPO and yeast isolated from spoiled Jubileu peach puree, respectively.

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

    OpenAIRE

    Adnan Berisha

    2017-01-01

    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 ...

  18. Loan Market Competition and Bank Risk-Taking

    NARCIS (Netherlands)

    Wagner, W.B.

    2007-01-01

    Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers. We show that the impact of loan market competition on banks is reversed if banks can adjust their loan portfolios. The reason is that when

  19. Impact of Banking Information Systems Security on Banking in China: The Case of Large State-Owned Banks in Shenzhen Economic Special Zone — An Introduction

    OpenAIRE

    Keith L. Hood; Jie-Wen Yang

    1998-01-01

    This paper focuses on information security in Chinese Banking Information Systems (BIS), which can only be understood in the context of the wider reforms of the Chinese banking sector. A small pilot study of banking in Shenzhen was carried out. Shenzhen, in southern China, is one of the Economic Special Zones and may be considered as being at the leading edge of development in banking and a pointer towards future developments of banking in China. Information security was found to be inadequat...

  20. Remediation of an acidic mine spoil: Miscanthus biochar and lime amendment affects metal availability, plant growth, and soil enzyme activity.

    Science.gov (United States)

    Novak, Jeffrey M; Ippolito, James A; Ducey, Thomas F; Watts, Donald W; Spokas, Kurt A; Trippe, Kristin M; Sigua, Gilbert C; Johnson, Mark G

    2018-08-01

    Biochar may be a tool for mine spoil remediation; however, its mechanisms for achieving this goal remain unclear. In this study, Miscanthus (Miscanthus giganteus) biochar was evaluated for its ability to reclaim acidic mine spoils (pH lime/no lime and fertilizer additions. Blue Wildrye (Elymus glaucus cv. 'Elkton') was planted and later the shoots and roots were collected and metal concentrations determined. Afterwards, each pot was leached with deionized water, and the leachate analyzed for pH, electrical conductivity (EC), dissolved organic carbon (DOC) and soluble metal concentrations. After drying, the spoil was extracted with 0.01 M CaCl 2 and Mehlich 3 (M3) to determine extractable Al, Cu, and Zn concentrations. Additionally, microbial activity was measured using a fluorescent β-glucosidase and N-acetyl-β-d-glucosaminidase assay. Spoil treated with lime and biochar had significantly greater pH and EC values. Significantly greater β-glucosidase activity occurred only in the 5% biochar plus lime treatment, while N-acetyl-β-d-glucosaminidase activities were not altered. Metal concentrations in rye shoot and roots were mixed. Lime additions significantly reduced extractable metal concentrations. Increasing biochar rates alone significantly reduced leachate DOC concentrations, and subsequently reduced leachable metal concentrations. Surprisingly, miscanthus biochar, by itself, was limited at mitigation, but when combined with lime, the combination was capable of further reducing extractable metal concentrations and improving β-glucosidase enzyme activity. Copyright © 2018 The Authors. Published by Elsevier Ltd.. All rights reserved.

  1. The Effects of Macro Economic Factors to Banking Sector Returns: Borsa Istanbul Cas e

    Directory of Open Access Journals (Sweden)

    Gökhan Özkul

    2015-12-01

    Full Text Available Today, technological and scientific developments impact the banking sector and enhance the commercial, as well as financial functionality of the banking sector. Improvement of this functionality caused a gradual increase in the banks’ profits; as a result of which, the bank profits now has become more crucial for the market. The cruciality is a result of the fact that banking sector’s revenues do not concern the bank owners and partners only; the revenues also concern the investors that trade stocks of the banks. This paper discusses the macro economical factors that have certain impact on the bank revenues, to which more importance has been attached for recent years. This paper takes basis BIST Top 10 Bank Return Index monthly data between January 2010 and July 2014. The macro economic factors that have impact on bank returns are handled through multiple linear regression model. The analysis finds that BIST Top 100 Return Index has positive impact on BIST Top 10 bank return index, whereas money supply (M1, industrial production index and export unit value index has negative impact on BIST Top 10 Bank Return Index

  2. Ways of increasing safety in mining at the Berezovskii-1 surface mine

    Energy Technology Data Exchange (ETDEWEB)

    Kuznetsov, N N; Malyarenko, V I

    1986-12-01

    Methods are descrubed wgucg were developed to alleviate or prevent the effects of landslides in a Kansk-Achinsk surface mine. Such a landslide took place in 1983 at the Berezovskii-1 mine when 250 m of an excavation trench suffered a collapse involving 680,000 mT of materials. Surveys revealed large zones of flooded ground with high proportions of argillites and aleurolites which swell in the presence of water. To keep costs down, a method using gravity is proposed for safety of re-excavation work near spoil banks. In this method a pillar of rock is left at the base of the spoil bank, the edge of the slope of which is moved back from the trench. Hard rock is placed at the leading edge of the spoil bank. The stability factor of the trench side may be raised from 0.87 to 1.12, and this is accompanied by savings in labor and costs.

  3. FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

    Directory of Open Access Journals (Sweden)

    Svetlana Lanets

    2015-11-01

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

  4. Impact of service quality on customer satisfaction of automated teller machine service: case study of a private commercial joint stock bank in Vietnam

    OpenAIRE

    Phan, Chi; Nham, Phong

    2015-01-01

    One of key challenge for Vietnamese commercial banks is how to compete in the market place with commonly undifferentiated services. The aim of this study is to investigate the impact of service quality performance on customer satisfaction on ATM service in a commercial bank in Vietnam. This study applies SERVPERF framework to analyze the data collected from a questionnaire survey and found that ASSURANCE and TANGIBLES factors significantly impact on the customer satisfaction.

  5. Restoration Practices Used on Post Mining Sites and Industrial Deposits in the Czech Republic with an Example of Natural Restoration of Granodiorite Quarries and Spoil Heaps

    Directory of Open Access Journals (Sweden)

    Chuman Tomáš

    2015-11-01

    Full Text Available Mining of minerals that have significant impact on landscape and landscape functions affects 1% of the land surface worldwide. In the Czech Republic the extent of mining sites is estimated to be more than 800 km2 and according to the state legislation the land affected by mining should be reclaimed. There are several approaches to land restoration, which are shortly reviewed in this article, from pure technical approach to one adopting natural processes. The review shows increasing appeal of scientist and conservationist to use natural processes e.g. natural or directed succession as an alternative method of post-mining sites or industrial deposits restoration due to growing evidence of conservational value of such sites in human dominated landscapes. The natural processes used for land restoration are often argued to be slow therefore the rate of spontaneous vegetation succession was assessed in stone quarries and on spoil heaps using a sequence of panchromatic aerial images. The results showed that natural processes act fast and vegetation can reach 100% cover within 10-15 years in granodiorite quarries and on spoil heaps.

  6. The Impact of Refinancing on the Financial Sustainability of Banking Institutions

    Directory of Open Access Journals (Sweden)

    Fursova Viktoriya А.

    2017-05-01

    Full Text Available The article analyzes and generalizes contemporary techniques for assessing the financial sustainability of commercial banks. It has been identified that none of the techniques considered takes in full account of the bank’s debt level to the National Bank of Ukraine, despite the large role of the regulator in maintaining liquidity and solvency of banking institutions during the crisis. The necessity to consider, in terms of the rating techniques for assessment of the financial sustainability of commercial banks, the refinancing indicator that can be useful to calculate the ratio of the credit means of the National Bank of Ukraine to the equity capital, has been substantiated. Improving the existing rating techniques by including this indicator will enhance their efficiency and provide possibility to develop timely recommendations for regulating crisis developments in a banking institution.

  7. Mitigation Banking Factsheet

    Science.gov (United States)

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

  8. THE IMPACT OF THE BASEL III AGREEMENT ON THE BANKING SYSTEMS

    OpenAIRE

    Magdalena RADULESCU

    2014-01-01

    In the light of the current financial crisis, some deficiencies of the financial supervision system were highlighted. The former Basel II Agreement needed to be reformulated to achieve more stability of the banking systems. The new Basel III launched tight regulation regarding both banking solvency and liquidity and the leverage ratio. These regulations imply more costs for banks. Many bankers didn’t agree because of the decrease of the profitability of banks. Still, even the current crisis w...

  9. THE EUROPEAN BANKING UNION AND ROMANIA. THE IMPACT OF THE NEW EUROPEANLEGAL FRAME ON THE ROMANIAN FINANCIAL AND BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Dan-Adrian Cărămidariu

    2014-11-01

    Full Text Available The paper studies from a legal and economical perspective the European Banking Union, the latest set of measures adopted by the European Union in order to assure the stability of Europe’s financial and banking system and to prevent future crises. At the same time, the paper analyzes the influence this new institutional and legal mechanism could have on the Romanian financial and banking system, if our country is to take part in the European Banking Union. The paper will discuss the four European legal texts, namely the EU Regulation No 575/2013 and the three directives concerning the capital requirements for the banking system, the recovery and resolution of credit institutions and the deposit guarantee schemes, which, together, set up the European Banking Union’s legal frame. Further, the paper will study the implementation and the transposition of these European provisions into national law. The study’s conclusions will take into consideration the advantages and disadvantages connected to Romania’s participation to the European Banking Union, by showing that, in the context of the introduction of the single currency, the participation to the Banking Union is a necessary exercise.

  10. Impact of service quality on customer satisfaction of automated teller machine service: case study of a private commercial joint stock bank in Vietnam

    Directory of Open Access Journals (Sweden)

    Chi Phan

    2015-10-01

    Full Text Available One of key challenge for Vietnamese commercial banks is how to compete in the market place with commonly undifferentiated services. The aim of this study is to investigate the impact of service quality performance on customer satisfaction on ATM service in a commercial bank in Vietnam. This study applies SERVPERF framework to analyze the data collected from a questionnaire survey and found that ASSURANCE and TANGIBLES factors significantly impact on the customer satisfaction.

  11. Bank Mergers Performance and the Determinants of Singaporean Banks’ Efficiency: An Application of Two-Stage Banking Models

    Directory of Open Access Journals (Sweden)

    Fadzlan Sufian

    2007-01-01

    Full Text Available An event study window analysis of Data Envelopment Analysis (DEA is employed in this study to investigate the effect of mergers and acquisitions on Singaporean domestic banking groups’ efficiency. The results suggest that the mergers have resulted in a higher post-merger mean overall efficiency of Singaporean banking groups. However, from the scale efficiency perspective, our findings do not support further consolidation in the Singaporean banking sector. We find mixed evidence of the efficiency characteristics of the acquirers and targets banks. Hence, the findings do not fully support the hypothesis that a more (less efficient bank becomes the acquirer (target. In most cases, our results further confirm the hypothesis that the acquiring bank’s mean overall efficiency improves (deteriorates post-merger resulted from the merger with a more (less efficient bank. Tobit regression model is employed to determine factors affecting bank performance, and the results suggest that bank profitability has a significantly positive impact on bank efficiency, whereas poor loan quality has a significantly negative influence on bank performance.

  12. THE FINANCIAL CRISIS AND ITS IMPACT ON BANK LIQUIDITY

    Directory of Open Access Journals (Sweden)

    CIURLĂU LOREDANA

    2013-12-01

    Full Text Available Liquidity risk is the banks, the difficulty in acquiring the necessary resources to meet its own commitments at a time. Analysis of bank liquidity management is required not only to consider the liquidity situation continuously, but also to examine how funding requirements may evolve in different situations, including adverse conditions.

  13. Reclamation of colliery mine spoil founded on natural succession

    International Nuclear Information System (INIS)

    Jochimsen, M.E.A.

    1996-01-01

    Reclamation of derelict land is of great concern for industrial countries. Technically produced and biologically inactive soils are said to be hostile to plants. Therefore, great effort is applied, in order to reintegrate them into the landscape. Ordinarily plant settlement starts with pioneer plants, especially herbs. Reafforestation, in this case, is an ecological misunderstanding. A method of mimicking natural succession including its ecological and economic advantages is described. The results of an applied experiment on virgin mine spoil with respect to species number, plant cover degree, and above ground phytomass production in the course of six years are reported in this paper. 12 refs., 4 figs

  14. Bank Activity and Funding Strategies : The Impact on Risk and Return

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases

  15. BANK FAILURE PREDICTION WITH LOGISTIC REGRESSION

    Directory of Open Access Journals (Sweden)

    Taha Zaghdoudi

    2013-04-01

    Full Text Available In recent years the economic and financial world is shaken by a wave of financial crisis and resulted in violent bank fairly huge losses. Several authors have focused on the study of the crises in order to develop an early warning model. It is in the same path that our work takes its inspiration. Indeed, we have tried to develop a predictive model of Tunisian bank failures with the contribution of the binary logistic regression method. The specificity of our prediction model is that it takes into account microeconomic indicators of bank failures. The results obtained using our provisional model show that a bank's ability to repay its debt, the coefficient of banking operations, bank profitability per employee and leverage financial ratio has a negative impact on the probability of failure.

  16. 30 CFR 817.72 - Disposal of excess spoil: Valley fill/head-of-hollow fills.

    Science.gov (United States)

    2010-07-01

    ... STANDARDS-UNDERGROUND MINING ACTIVITIES § 817.72 Disposal of excess spoil: Valley fill/head-of-hollow fills.... Uncontrolled surface drainage may not be directed over the outslope of the fill. (2) Runoff from areas above the fill and runoff from the surface of the fill shall be diverted into stabilized diversion channels...

  17. Active Risk Management and Banking Stability

    NARCIS (Netherlands)

    Silva Buston, C.F.

    2013-01-01

    Abstract: This paper analyzes the net impact of two opposing effects of active risk management at banks on their stability: higher risk-taking incentives and better isolation of credit supply from varying economic conditions. We present a model where banks actively manage their portfolio risk by

  18. THE CORPORATE GOVERNANCE IMPACT ON BANKING PERFORMANCE INCREASE

    Directory of Open Access Journals (Sweden)

    Mariana G. BUNEA

    2013-12-01

    Full Text Available The Gradual collapse of financial markets in the European Union since the fall of 2008 and economic crises at the credits portfolio level that followed, were generated by the several factors, often interdependent, both macroeconomic and microeconomic level, finally leading to the accumulation of excessive risk in the financial system. This excessive risk was partially caused by the deficiencies in Corporate Governance of the Financial Institutions and the especially banks deficiencies. Even if we can’t put down to the Corporate Governance crisis started, yet nonexistent or inadequacy of effective control mechanisms have determined to the excessive risk-taking by most credit institutions. This article aims to evaluate the application of Corporate Governance principles of the significant players within the Romanian banking system. The research methodology was based essentially on the technique of using the questionnaire, on Corporate Governance documents remarks published on the banks analyzed websites and on the using scoring methods in evaluating the application of Corporate Governance principles.

  19. Bank Risk Profile, Good Corporate Governance And Company Values in Banking Companies Go Public in Indonesia

    Directory of Open Access Journals (Sweden)

    Susi Retna Cahyaningtyas

    2017-06-01

    Full Text Available The latest Bank Indonesia Regulation No.14/18/PBI/2012 requires bank to have minimum capital of 8%-14% depends on the risk profile of each bank. Therefore, the main objective of this research is to assess whether the total of inherent risk profile of each bank meets the terms of this regulation. In addition, this study aims to examine the impact of inherent risk profile and GCG on the banking company value. The sample in this study is determined by purposive sampling method and resulted in 24 banks or 72 observations during 2011-2013. The results showed that 23 banks had low risk and low to moderate risk, and only one bank had moderate risk. The results also showed that inherent risk profile rating is equivalent to capital adequacy. In other words, inherent risk profile of these banks have complied with Bank Indonesia Regulation No.14/18/PBI/2012. Furthermore, this study indicated that GCG has significant and positive influence on the company value, while the inherent risk has no influence on the company value. Overall, this study suggest that go public banks in Indonesia are one of good alternative means of investment for its soundness as reflected by the fulfillment of minimum capital ratio required by the regulator.

  20. Evaluation of the impact of banking umbilical cord blood units with high cell dose for ethnically diverse patients.

    Science.gov (United States)

    Stritesky, Gretta; Wadsworth, Kimberly; Duffy, Merry; Buck, Kelly; Dehn, Jason

    2018-02-01

    Umbilical cord blood units provide an important stem cell source for transplantation, particularly for patients of ethnic diversity who may not have suitably matched available, adult-unrelated donors. However, with the cost of cord blood unit acquisition from public banks significantly higher than that for adult-unrelated donors, attention is focused on decreasing cost yet still providing cord blood units to patients in need. Historical practices of banking units with low total nucleated cell counts, including units with approximately 90 × 10 7 total nucleated cells, indicates that most banked cord blood units have much lower total nucleated cell counts than are required for transplant. The objective of this study was to determine the impact on the ability to identify suitable cord blood units for transplantation if the minimum total nucleated cell count for banking were increased from 90 × 10 7 to 124 or 149 × 10 7 . We analyzed ethnically diverse patients (median age, 3 years) who underwent transplantation of a single cord blood unit in 2005 to 2016. A cord blood unit search was evaluated to identify units with equal or greater human leukocyte antigen matching and a greater total nucleated cell count than that of the transplanted cord blood unit (the replacement cord blood unit). If the minimum total nucleated cell count for banking increased to 124 or 149 × 10 7 , then from 75 to 80% of patients would still have at least 1 replacement cord blood unit in the current (2016) cord blood unit inventory. The best replacement cord blood units were often found among cords with the same ethnic background as the patient. The current data suggest that, if the minimum total nucleated cell count were increased for banking, then it would likely lead to an inventory of more desirable cord blood units while having minimal impact on the identification of suitable cord blood units for transplantation. © 2017 AABB.

  1. Use of colliery spoil in public works. La utilizacion de esteriles de la mineria del carbon en obras publicas

    Energy Technology Data Exchange (ETDEWEB)

    Gonzalez Canibano, J.; Rodriguez Ortiz, J.M. (HUNOSA, Oviedo (Spain))

    Colliery spoil presents a number of problems with regard to its storage because of the high cost involved, the difficulty of finding suitable land and its integration into the landscape. These factors are also affected by environmental legislation. One of the most interesting applications for colliery dirt is in the field of public works for in-filling operations, embankments, road building, dikes, etc., applications which require huge quantities of material without it needing to be processed. This article describes the physical and mechanical properties of colliery spoil from the point of view of its use in public works. 14 refs., 17 figs., 3 tabs.

  2. The Challenges of Basel III for Romanian Banking System

    OpenAIRE

    Anca Elena NUCU

    2011-01-01

    Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the i...

  3. 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

  4. In vivo quantitative NMR imaging of fruit tissues during growth using Spoiled Gradient Echo sequence

    DEFF Research Database (Denmark)

    Kenouche, S.; Perrier, M.; Bertin, N.

    2014-01-01

    of this study was to design a robust and accurate quantitative measurement method based on NMR imaging combined with contrast agent (CA) for mapping and quantifying water transport in growing cherry tomato fruits. A multiple flip-angle Spoiled Gradient Echo (SGE) imaging sequence was used to evaluate...

  5. THE IMPACT OF THE BASEL III AGREEMENT ON THE BANKING SYSTEMS

    Directory of Open Access Journals (Sweden)

    Magdalena RADULESCU

    2014-06-01

    Full Text Available In the light of the current financial crisis, some deficiencies of the financial supervision system were highlighted. The former Basel II Agreement needed to be reformulated to achieve more stability of the banking systems. The new Basel III launched tight regulation regarding both banking solvency and liquidity and the leverage ratio. These regulations imply more costs for banks. Many bankers didn’t agree because of the decrease of the profitability of banks. Still, even the current crisis wasn’t surpassed yet, the financial authorities have already claimed another improved agreement Basel IV.

  6. Some Considerations Regarding the European Banking Union

    Directory of Open Access Journals (Sweden)

    Marius Eugen Radu

    2016-09-01

    Full Text Available Union Bank is a surveillance system and an EU bank resolution, which operates on the basis of EU wide rules. It aims to ensure that the banking sector in the euro area and the EU in general is safe and reliable and viable banks benefiting from resolution without recourse to taxpayer funds and with minimal impact on the real economy. Banking union members are all euro-zone countries and EU Member States that have chosen to participate. All countries will adopt the euro in the future will automatically become members of the banking union. Countries that are not part of the euro area can join by establishing a close cooperation agreement.

  7. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  8. Spatial variation in spoil and vegetative characteristics of pastures on reclaimed surface mined land

    International Nuclear Information System (INIS)

    Teutsch, C.D.; Collins, M.; Ditsch, D.C.

    1999-01-01

    Kentucky has large areas of reclaimed surface mined land that could provide grazing for livestock. Research is needed to determine optimal stocking densities and to evaluate the sustainability of such grazing systems for this region. A long-term grazing study was initiated in 1997 on 151 ha of reclaimed land near Chavies, KY to determine spatial and temporal variation with stocking densities of 0, 0.28, 0.42, or 0.83 beef cow-calf units/ha. Global Positioning System and GIS technologies were used to establish pasture boundaries, locate permanent sampling markers at a density of 1 per 0.4 ha, and interpolate maps of physical, spoil, and vegetable pasture characteristics. Herbage and spoil samples were collected around the permanent markers in May of 1997. Stepwise regression was used to determine factors affecting the vegetative characteristics of the sites. Biomass density ranged from 0 to 2500 kg/ha with a mean of 570 kg/ha. Factors affecting biomass included legume and weed proportions in the sward, grazing activity, soil potassium, elevation, and potential acidity, cumulatively accounting for 32% of the variation. Ground cover ranged from 10 to 100% with an average of 74%. Soil pH, potassium, and grass in the sward accounted for 14% of the variation in ground cover. Legumes made up 0 to 61% of the sward with a mean of 13% over the pasture area. Variables affecting the amount of legume in the sward included biomass density, slope, elevation, pH, and stocking density, together accounting for 21% of the variation. Spatial variation in the physical, spoil, and vegetative characteristics of the pastures was large. Overall, regression accounted for a limited amount of the variation in the vegetative characteristics of the site indicating that other important variables exist

  9. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

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

  10. Banking sector globalization and bank performance: A comparative analysis of low income countries with emerging markets and advanced economies

    Directory of Open Access Journals (Sweden)

    Amit Ghosh

    2016-06-01

    Full Text Available A key feature of financial services liberalization is the increasing presence of foreign banks in a nation. This study examines the impact of banking sector globalization on bank profits and cost efficiency by using a panel of 169 nations spanning 1998–2013. Employing both fixed-effects and GMM estimations, and including banking-industry and macroeconomic controls, I find greater banking-sector globalization to reduce both profits and cost inefficiency, thereby reflecting increased competitiveness and informational asymmetries in host markets, as well as assimilation of better technology, managerial practices by domestic banks. The results are further examined for nations across different levels of economic development and with different degrees of foreign bank presence. Only in emerging markets and in nations with more than 50% foreign banks, greater banking sector globalization positively affects profits. From a policy perspective, the findings call for banking regulatory authorities to implement polices to reduce informational asymmetries in host markets.

  11. Do banks differently set their liquidity ratios based on their network characteristics? Do banks differently set their liquidity ratios based on their network characteristics?

    OpenAIRE

    Distinguin, Isabelle; Mahdavi-Ardekani, Aref; Tarazi, Amine

    2017-01-01

    This paper investigates the impact of interbank network topology on bank liquidity ratios. Whereas more emphasis has been put on liquidity requirements by regulators since the global financial crisis of 2007-2008, how differently shaped interbank networks impact individual bank liquidity behavior remains an open issue. We look at how bank interconnectedness within interbank loan and deposit networks affects their decision to hold more or less liquidity during normal times and distress times a...

  12. Customer Relationship Management dan Pengaruhnya Terhadap Loyalitas Nasabah Bank: Studi Pada Bank Muamalat Indonesia

    Directory of Open Access Journals (Sweden)

    M Nur Rianto Al Arif

    2016-01-01

    Full Text Available Customer Relationship Management and Its Influence on customer loyalty Bank: A Case Study of Bank Muamalat Indonesia. The aim of this research is to analyze the influence of customer relationship management (CRM to customer’s loyalty. Data collection is using primary and secondary data. The sampling method that used on this research is accidental sampling with 100 respondents. The analysis method on this research is multiple regressions. The CRM variables that used on this research are identify, acquire, retain, develop, and sustainable marketing. From the result, show that the CRM variable had an impact simultaneously on customer’s loyalty. Otherwise, only three variables had an impact on customer’s loyalty, such as acquire activity, retain, and sustainable marketing. There are also show that only acquire variable had an dominant influence on customer’s loyalty in Bank Muamalat Indonesia branch Slipi-Jakarta, because it has the largest coefficient value.DOI: 10.15408/ess.v5i1.2332

  13. Usefulness of enhanced breathhold 3D spoiled gradient-echo MRA for intrathoracic mass

    International Nuclear Information System (INIS)

    Kobayashi, Takeshi; Kadoya, Masumi; Kamimura, Ryoichi; Takashima, Tsutomu

    1999-01-01

    Enhanced Breathhold 3D Spoiled Gradient-echo MRA was very attractive method for not only evaluating relationship between intrathoracic mass and intrathoracic vessels, but also visualizing small pulmonary vessels that could not be detected conventional MRA methods. Moreover, this methods could be applied for evaluating vascularity of the lesions. This method will be accepted as routine pulse sequence for evaluating intrathoracic mass especially malignant tumors. (author)

  14. Age, Sex, and Religious Beliefs Impact the Attitude towards Cord Blood Banking.

    Science.gov (United States)

    Sundell, Inger Birgitta; Setzer, Teddi J

    2015-01-01

    In this study, a self-administered questionnaire was used to assess opinions about stem cell research and cord blood banking. Three attitudes were examined: willingness to accept cord blood banking, willingness to accept embryonic stem cell research, and religious belief system. A total of 90 Wayne State University students enrolled in the study in response to an invitation posted on a web page for the university. Sex distribution among study participants was 79 females and eight males; three declined to state their sex. Support for cord blood banking was high (> 70%) among students. Students over the age of 25 years of age were more (85%) positive than students 18 to 24 years old (57%). They prefered a public cord blood bank over a private cord blood bank. Atheist/agnostic or spiritual/not religious students (> 90%), Catholic students (78%) and Christian students (58%) support cord blood banking. Age, sex and religion seems influence the student's attitude towards stem cell research and cord blood banking.

  15. A Study of Philippine Monetary and Banking Policies

    OpenAIRE

    Bautista, Ernesto D.

    1992-01-01

    This study assesses the Philippine monetary and banking policies with the view of identifying preferred policy options and features of a monetary and banking policy program supportive of overall economic growth and agro-industrial development. It describes the following: the impact of existing monetary and banking policy on short- and long-term economic development and the legislative and administrative measures required to adopt and implement such a monetary and banking policy. It also ident...

  16. Microprudential Regulation in a Dynamic Model of Banking

    OpenAIRE

    Gianni De Nicolò; Andrea Gamba; Marcella Lucchetta

    2014-01-01

    This paper studies the quantitative impact of microprudential bank regulations on bank lending and value metrics of efficiency and welfare in a dynamic model of banks that are financed by debt and equity, undertake maturity transformation, are exposed to credit and liquidity risks, and face financing frictions. We show that (1) there exists an inverted U-shaped relationship between bank lending, welfare, and capital requirements, (2) liquidity requirements unambiguously reduce lending, effici...

  17. Impact of the corporate governance characteristics and ownership on earnings quality of the Islamic private banks in Iran

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2012-10-01

    Full Text Available This paper investigates corporate governance and ownership effects on earning quality in Iranian private banks. The study uses the information of 12 private banks from year 2005 to 2010 using regression analysis based on panel data. Among different factors, the effect of big five shareholder are considered to be significant and positive on earning quality. In addition, the effect of one variable regression test reveals that institutional ownership has positive impact on earning quality. However, the impacts of other variables including percentage of ownership concentration, the size of board of directors, reliance on debt, logarithm of sum of assets, return of assets, logarithm of operating cash flow on earning quality are not meaningful. The result of this survey indicates that institutional ownership plays an important role earning quality simply because institutions normally have the access on professionals to control management.

  18. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

    Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

  19. Bank Units. Assessment and Development Tendencies

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-01-01

    Full Text Available There are new trends in development banking sector especially concerning branches. The e-banking has diminished impact the old fashion branches as main tool finance activity. Now we have units (departments localised at supermarkets and in other strange places. Due to some researches mortgages and insurance polices ought to be sold in traditional branches according to clients preferences. Lafferty Agency researched quality of banking service condition in the UK. Base on this methodology similar case studies were done in Poland.

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

    Directory of Open Access Journals (Sweden)

    Samar Rahi

    2017-11-01

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

  1. The Asymmetric Effects of Monetary Policy and Bank Credits in Taiwan Banking Industry - A Dynamic Panel Data Analysis

    OpenAIRE

    Jui-Chuan Chang; Ching-Chuan Tsong; Chieh-Tsung Wu

    2010-01-01

    This paper investigates whether distributional effect arising from the impact of monetary policy on bank credits will be different when monetary policy is asymmetric. Methodologically, we use a set of high frequency panel data for Taiwan commercial banks and adopt Arellano and Bond's (1991) generalized method of moments approach to conduct our empirical analysis. First of all, we investigate whether there exist the distributional effects of monetary policy on bank lending behavior which is as...

  2. COMPETITION IN ROMANIAN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Capraru Bogdan

    2011-07-01

    Full Text Available Recent turmoil in the global financial system has impacted severely on the banking sector with many banks suffering large losses and necessitating the need to raise additional capital privately or through their respective national governments. In our study we investigate the impact of structural reforms performed throughout the European Union (EU accession process on competition and contestability of banking systems in Romania. The literature of the measurement of competition can be divided into two major approaches: structural and non-structural. The structural approach to the assessment of competition embraces the Structure-Conduct-Performance Hypothesis (SCP and the Efficient Structure Hypothesis (ESH. The structural approach, as the name suggests, assesses bank competition by examining measures of market structure such as concentration ratios (the share of assets held by the top 3 or 5 institutions or indices (e.g., the Herfindhal-Hirschman index and supposes that higher concentration in the banking market causes less competitive bank conduct and leads to higher bank profitability. The SCP model is originally developed by Bain (1956. The second approach, ESH, developed by Demsetz (1973 and Peltzmann (1977 suggests that the superior performance of the market leaders determines the market structure, implying that higher efficiency produces both higher concentration and greater profitability. The non-structural indicators of competition are mainly based on the measures of monopoly power developed by Lerner (1934. The Lerner Index suggests the mark-up of price over marginal cost. An alternative non-structural indicator of the degree of market competition is the Panzar and Rosse (1987 H-statistic. The H-statistic measures the extent to which changes in banking costs are reflected in changes in banking revenues. In order to examine the level of competition and market power of banks in Romania for period 2003 - 2009, we estimate the non

  3. The effects of foreign banks entry in emerging market economies

    Directory of Open Access Journals (Sweden)

    MSc. Florida Veljanoska

    2011-12-01

    Full Text Available This paper investigates the effects of foreign bank entry in emerging markets. We developed a picture of a multinational bank in an emerging markets by combining statistics from several sources, in order to explore broad range of effects that brings foreign bank entry in the developing countries. Some impacts of foreign bank entry have been thoroughly studied, while others are hardly mention. Entry of foreign bank brings large benefits to host country’s financial system and economies at large. This paper is studying those benefits very carefully, by analyzing the impact of foreign bank entry on economy, government, monetary policy, large enterprises, small and medium size enterprises, domestic bank etc. But, we also consider the fact that at the same time, foreign investment in the financial sector, rises some concerns, and therefore we analyze the negative effects as well. At the end we must admit that although there are some negative consequences from foreign bank entry in emerging markets, the benefits that arise from foreign banks penetration are much more, and this trend of foreign bank entry has brought new positive economic impulse in developing world.

  4. The Diffusion of Fintech Innovations and Impacts on the Modern Banking Ecosystem

    DEFF Research Database (Denmark)

    Deák, Bernadett; Garand, Denis; Turcan, Romeo V.

    The main purpose of the paper is to conceptualize the interrelationships between FinTech innovations and the banking sector. Since the presence of online banking has been rapidly evolving in the past years, this paper will provide a specific focus on that promising area of technological developme......The main purpose of the paper is to conceptualize the interrelationships between FinTech innovations and the banking sector. Since the presence of online banking has been rapidly evolving in the past years, this paper will provide a specific focus on that promising area of technological...... are discussed following a conceptual framework that consists of four dimensions: (1) Banking sector transformation including public policies and partnerships; (2) Fintech strategic and operational organizational planning; (3) Fintech innovative services in banking and Fintech adoption; and (4) market...

  5. It’s Time for Green Banking Management in Romania

    Directory of Open Access Journals (Sweden)

    Ioana Florentina Savu

    2012-04-01

    Full Text Available In the current Romanian economic climate banks will have to develop a series of initiativesin order to reduce environmental impact. The article is intended to define banks ecological behaviorand establish the role of non – governmental organizations and banking products in bank’s ecologicalmanagement. It focuses on projects that banks can undertake in partnership with environmentalorganizations such as paper recycling, forestationwith employees - volunteers from the banks,"canvas bag", building solar panels and "sustainability tour". For an appropriate environmentalbehavior, banks should encourage customers to use banking products and services in a friendlyenvironment, opting for green cards, online banking, electronic bank statements, green mortgages,green home equity loans, green commercial buildingsloans or green car loans.

  6. Investigating personal characteristics on e-banking adoption

    Directory of Open Access Journals (Sweden)

    Ali Arfaeian

    2013-12-01

    Full Text Available During the past few years, there have been increasing interests on doing banking transactions using online services through internet. In this paper, we present an empirical investigation to study the role of personal and social characteristics on acceptance of e-banking adoption. The proposed study designs two questionnaires and distributes them among 384 randomly selected people who use online banking in province of Alborz, Iran. The proposed study examines the effects of five factors including Neuroticism, Extraversion, Openness to experience, Conscientiousness and Agreeableness on e-banking adoption. Using regression techniques, the study has confirmed that Neuroticism and Agreeableness have negative and meaningful impact on e-banking adoption while Conscientiousness has positive and meaningful relationship with e-banking adoption.

  7. Interest rate and commercial banks' lending operations in Nigeria: A ...

    African Journals Online (AJOL)

    It was found that Monetary Policy Rate (MPR) and inflation rate exert a positive and significant impact on banks' loans for the period. For the deregulation era, the result showed that MPR and the exchange rate had significant impact on banks' loans and advances. While the former exerted a negative impact, the later had a ...

  8. Growth and nutritional status of Brazilian wood species Cedrella fissilis and Anadenanthera peregrina in bauxite spoil in response to arbuscular mycorrhizal inoculation and substrate amendment

    Directory of Open Access Journals (Sweden)

    Tótola Marcos Rogério

    2000-01-01

    Full Text Available The growth of Cedrella fissilis Vell. (Cedro Rosa and of Anadenanthera peregrina Benth (Angico Vermelho in bauxite spoil was studied to evaluate their response to substrate amendment or to inoculation with arbuscular mycorrhizal fungi (AMF. The plants were grown in bauxite spoil, topsoil or spoil amended with either topsoil or compost, and inoculated with the AMF Acaulospora scrobiculata, Gigaspora margarita or Glomus etunicatum. Root colonization was highly dependent on the interaction plant-fungus-substrate. In C. fissilis, root colonization by Gigaspora margarita dropped from 75% in bauxite spoil to only 4% in topsoil. Contrarily, root colonization of A. peregrina by the same fungus increased from 48% in spoil to 60% in topsoil. Root colonization of C. fissilis in topsoil was lower than in the three other substrates. The opposite was observed for A. peregrina. Inoculation of the plants with Acaulospora scrobiculata or Glomus etunicatum was very effective in promoting plant growth. Plants of both C. fissilis and A. peregrina did not respond to amendments of bauxite spoil unless they were mycorrhizal. Also, a preferential partitioning of photosynthates to the shoots of A. peregrina inoculated with G. etunicatum or A. scrobiculata, and of C. fissilis inoculated with any of the three species of AMF was observed. C. fissilis showed a greater response to mycorrhizal inoculation than A. peregrina. The mean mycorrhizal efficiency (ME for dry matter production by C. fissilis was 1,847% for A. scrobiculata, 1,922% for G. etunicatum, and 119% for G. margarita. In A. peregrina, the ME was 249% for A. scrobiculata, 540% for G. etunicatum, and 50% for G. margarita. The effect of mycorrhizal inoculation on plant growth seems to be related in part to an enhanced phosphorus absorption by inoculated plants. Moreover, the efficiency with which the absorbed nutrients were used to produce plant biomass was much greater in plants inoculated with A. scrobiculata or

  9. Bank Size, Risk-taking and Capital Regulation in Bangladesh

    Directory of Open Access Journals (Sweden)

    Mohammad M. RAHMAN

    2015-05-01

    Full Text Available This study examines the impact of bank size on bank regulatory capital ratios and risk-taking behavior using a panel dataset of 30 Bangladeshi commercial banks over the period 2008-2012. The relationship between bank regulatory capital ratios and bank risk-taking is also examined. For empirical analysis, generalized methods of moments (GMM panel method are used to explore the relationships among bank size, regulatory capital ratios and risk-taking behavior. Empirical results show that large banks hold lower amount of capital and take higher level of risk. Findings also show a reverse relationship between bank capital levels and bank risk-taking; that is, banks holding higher levels of regulatory capital are significantly less risky. Findings of this study has important implications for the Bangladeshi government, policy makers, banking regulators and bank stakeholders regarding bank size, regulatory capital requirements and overall banking sector risk-taking behavior.

  10. Bank activity and funding strategies : the impact on risk and returns

    OpenAIRE

    Demirguc-Kunt, Asli; Huizinga, Harry

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very lo...

  11. Bank stress testing under different balance sheet assumptions

    OpenAIRE

    Busch, Ramona; Drescher, Christian; Memmel, Christoph

    2017-01-01

    Using unique supervisory survey data on the impact of a hypothetical interest rate shock on German banks, we analyse price and quantity effects on banks' net interest margin components under different balance sheet assumptions. In the first year, the cross-sectional variation of banks' simulated price effect is nearly eight times as large as the one of the simulated quantity effect. After five years, however, the importance of both effects converges. Large banks adjust their balance sheets mo...

  12. Symbiont effect of Rhizobium bacteria and vesicular arbuscular mycorrhizal fungi on Pisum sativum in recultivated mine spoils

    Energy Technology Data Exchange (ETDEWEB)

    Biro, B.; Voros, I.; Kovespechy, K.; Szegi, J. (Hungarian Academy of Sciences, Budapest (Hungary). Soil Science and Agricultural Chemistry Research Institute)

    The frequency (F%) of spontaneous endomycorrhizal fungal infection (AMF) and the root modulation of Pisum sativum L, was studied after 8 and 15 years of recultivation in 4 soils (andesitic tuff yellow sand, yellow clay, and grey clay) disturbed by mining activities. The effects of Rhizobium inoculation and the interaction of both microsymbionts with plant production were also examined along with humus content and the humus stability coefficient, in the following variations: control, NPK fertilizer, NPK+lignite, NPK+straw and sewage sludge. Dump spoils originating from deep geological layers were poor in organic materials. After 12 years of recultivation, the humus content increased significantly. No such increase was noted in grey clay and the natural, brown forest soil used as an undisturbed (control) sample. The degradation of soils by mining brings about a decrease in the rhizobial and mycorrhizal population, so the number of spontaneous Rhizobium nodules is relatively low and does not influence the yield of peas. Inoculation with a selected effective strain of Rhizobium leguminosarum bv. viceae, however, enhanced dry matter production in these microbiologically degraded soils. Although the frequency of AMF infection was also higher after rhizobial inoculation, no positive correlation was found between dry matter production of peas and the F% of AMF. Spoils treated with lignite, straw, and sewage sludge had an especially high level of spontaneous mycorrhizal populations, indicating that organic materials had a favorable effect on the recultivation processes and fertility of mine spoils.

  13. Long-term effects of aided phytostabilisation of trace elements on microbial biomass and activity, enzyme activities, and composition of microbial community in the Jales contaminated mine spoils

    Energy Technology Data Exchange (ETDEWEB)

    Renella, Giancarlo [Department of Soil Science and Plant Nutrition, University of Florence, Piazzale delle Cascine 28, I-50144 Florence (Italy)], E-mail: giancarlo.renella@unifi.it; Landi, Loretta; Ascher, Judith; Ceccherini, Maria Teresa; Pietramellara, Giacomo; Mench, Michel; Nannipieri, Paolo [Department of Soil Science and Plant Nutrition, University of Florence, Piazzale delle Cascine 28, I-50144 Florence (Italy)

    2008-04-15

    We studied the effectiveness of remediation on microbial endpoints, namely microbial biomass and activity, microbial and plant species richness, of an As-contaminated mine spoil, amended with compost (C) alone and in combination with beringite (B) or zerovalent iron grit (Z), to increase organic matter content and reduce trace elements mobility, and to allow Holcus lanatus and Pinus pinaster growth. Untreated spoil showed the lowest microbial biomass and activity and hydrolase activities, and H. lanatus as sole plant species, whereas the presented aided phytostabilisation option, especially CBZ treatment, significantly increased microbial biomass and activity and allowed colonisation by several plant species, comparable to those of an uncontaminated sandy soil. Microbial species richness was only increased in spoils amended with C alone. No clear correlation occurred between trace element mobility and microbial parameters and plant species richness. Our results indicate that the choice of indicators of soil remediation practices is a bottleneck. - Organo-mineral amendment and revegetation of a gold mine spoil increased microbial activity but did not increase microbial species richness.

  14. Long-term effects of aided phytostabilisation of trace elements on microbial biomass and activity, enzyme activities, and composition of microbial community in the Jales contaminated mine spoils

    International Nuclear Information System (INIS)

    Renella, Giancarlo; Landi, Loretta; Ascher, Judith; Ceccherini, Maria Teresa; Pietramellara, Giacomo; Mench, Michel; Nannipieri, Paolo

    2008-01-01

    We studied the effectiveness of remediation on microbial endpoints, namely microbial biomass and activity, microbial and plant species richness, of an As-contaminated mine spoil, amended with compost (C) alone and in combination with beringite (B) or zerovalent iron grit (Z), to increase organic matter content and reduce trace elements mobility, and to allow Holcus lanatus and Pinus pinaster growth. Untreated spoil showed the lowest microbial biomass and activity and hydrolase activities, and H. lanatus as sole plant species, whereas the presented aided phytostabilisation option, especially CBZ treatment, significantly increased microbial biomass and activity and allowed colonisation by several plant species, comparable to those of an uncontaminated sandy soil. Microbial species richness was only increased in spoils amended with C alone. No clear correlation occurred between trace element mobility and microbial parameters and plant species richness. Our results indicate that the choice of indicators of soil remediation practices is a bottleneck. - Organo-mineral amendment and revegetation of a gold mine spoil increased microbial activity but did not increase microbial species richness

  15. The impact of microfinance bank credit on economic development of ...

    African Journals Online (AJOL)

    This paper x-rays the contribution of microfinance bank to the economic development of Nigeria for fifteen years by using secondary data collected from the Central Bank of Nigeria records, annual reports and statistical bulletin. The ordinary least square estimation technique was adopted using linear regression model.

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

    Directory of Open Access Journals (Sweden)

    Antonio DiTommaso

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

  17. Tax evasion and Swiss bank deposits

    DEFF Research Database (Denmark)

    Johannesen, Niels

    2014-01-01

    quarters immediately before and after the tax was introduced. We also present evidence suggesting that the drop in Swiss bank deposits was driven by behavioral responses aiming to escape the tax - such as the transfer of funds to bank accounts in other offshore centers and the transfer of formal ownership......Bank deposits in offshore financial centers may be used to evade taxes on interest income. A recent EU reform limits the scope for this type of tax evasion by introducing a withholding tax on interest income earned by EU households in Switzerland and several other offshore centers. This paper...... estimates the impact of the withholding tax on Swiss bank deposits held by EU residents while using non-EU residents who were not subject to the tax as a comparison group. We present evidence that Swiss bank deposits owned by EU residents declined by 30–40% relative to other Swiss bank deposits in two...

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

    African Journals Online (AJOL)

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

  19. Ownership Concentration and Market Value of European Banks

    DEFF Research Database (Denmark)

    Busta, Ildura; Sinani, Evis; Thomsen, Steen

    2014-01-01

    This paper investigates the relationship between ownership concentration and market value of European banks, and the role of the institutional environment in shaping this relationship. Using GMM dynamic estimator on a sample of European banks over a 13-year period (1993–2005) we find on average...... concentration is positive in Scandinavia. We propose that, besides the legal protection of small investors, the differences in the impact of ownership concentration across the countries could be due to the identity of the predominant owners, i.e. financial institutions in Germany and trusts and foundations...... a negative effect of ownership concentration on bank value, measured by Tobin's Q. However, this effect varies across different institutional settings; while higher ownership concentration results in a lower bank value particularly in the countries belonging to German legal family, the impact of ownership...

  20. 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.

  1. Nomograms to calculate stability in slate and granite spoil heaps; Abacos para el calculo de estabilidad en escombreras de pizarra y granito

    Energy Technology Data Exchange (ETDEWEB)

    Paz Freire, M.; Taboada Castro, J.; Rivas Brea, T.; Giraldez Perez, E.; Araujo Fernandez, M.

    2011-07-01

    One of the main problems involved in the mining of slate and ornamental granite is the unavoidable generation of waste rock, which must be stored in spoil heaps under suitably integrated, secure and stable conditions. Our work here focuses on this last point. To study the risk of instability within spoil heaps we have analysed the performance of a wide number of models with regard to circular slope failure, taking into account the different degrees of compactness of the material, the characteristics of the material itself, the effect of water pressure and the geometry of the heap. From this analysis we obtained more than 300 safety criteria, which were then used to draw up a series of nomograms to allow us to determine the risk of sliding in any granite or slate spoil heap. Thus, nomograms prove themselves to be suitable, quick, easy-to-use tools for preliminary studies of new structures, for periodic analyses of existing structures and to investigate structures that are due to be modified. (Author) 24 refs.

  2. An Investigation of the Essential Factors on Customer Loyalty in Banking Sector: A Case of Albanian Retail Bank

    Directory of Open Access Journals (Sweden)

    Yüksel KÖKSAL

    2014-06-01

    Full Text Available The purpose of this research is to reveal essential factors that have influences on customer loyalty directly in Albanian retail banking context. In order to bring out essential factors, we have developed a questionnaire and 410 people participated in the survey. Five different factors have been described to analyze their directly impacts on customer loyalty such as Service, Security, Relationship, Reliability and Staff. The significant relations of each factor with customer loyalty have been analyzed by conducting confirmatory factor analysis. Obtained results indicate that only ‘relationship’ and ‘staff’ factors have a direct impact on customer loyalty. Determination of the essential factors on customer loyalty in banking sector will be helpful to bank managers to define priorities in order to enhance customer satisfaction and loyalty.

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

    Directory of Open Access Journals (Sweden)

    B.T. Matemilola

    2015-03-01

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

  4. Collateral Determinats In Bank Risk Mananagement: The Regional Case

    Directory of Open Access Journals (Sweden)

    A. M. Karminsky

    2018-01-01

    Full Text Available Regional banks are struggling with significant obstacles in the modern Russian economy. Among them are strong competition with major big banks, strong resource restrictions, tightening the Bank of Russia’s requirements, and quite rapid expansion of financial technologies. Thus, the reduction of regional banks occurs, that produces both a negative impact on the development of small and medium enterprises (SMEs and challenges for balanced competition on the Russian market. Basically, these banks provide the settlement of region’s social and economic problems while maintaining local companies and enterprises. Collateral, as a source for losses covering, became the essential element of credit risk management in banks. Providing lenders to implement such instruments, it helps to reduce bank losses under borrower’s default. The purpose of the article relates to revealing of collateral determinants with higher impact on bank risk with the application of empirical methods (including regional level. This study is based on linear regression models evaluated by the least square method. Private data of secured small and medium business loans is used. This article presents LTV (loan-to-value as a major collateral determinant. The empirical evidence of interlinkage between collateral requirements, by the means of LTV, and risk premium is provided for loan portfolio of Russian regional banks. The hypothesis that LTV conversely correlates with risk premium is statistically proved.

  5. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    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.

  7. 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...

  8. 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.

  9. The quest for growth : The impact of bank strategy on interest margins

    NARCIS (Netherlands)

    Arnold, I.J.M.; Ewijk, van S.E.

    2012-01-01

    This paper proposes an alternative explanation for the decline in bank interest margins in many developed countries, which, in our view, better fits the empirical and narrative evidence on bank behavior in the run-up to the credit crisis. A common thread in the literature on bank interest margins is

  10. The determinants of Bank Profitability: Does Liquidity Creation matter?

    Directory of Open Access Journals (Sweden)

    Ahmad Sahyouni

    2018-02-01

    Full Text Available Using a panel data set of 4995 banks across 11 developed and emerging countries during the period (2011-2015, this report analyses the amount of liquidity created by banks, how liquidity creation, bank-specific and the macroeconomic factors affecting bank profitability. The results show evidence of increased creation of liquidity over the period. By applying the panel data fixed effect technique, banks that create more liquidity, are set up to have lower profitability. As well as, Asset management, bank size and capital ratio are positively correlated with bank profitability. While, credit quality and operating efficiency affect bank’s profits negatively. Additionally, macroeconomic factors have different impact on profitability indicators in each market. Our findings may help decision makers inside and outside bank to determine important factors affecting bank profitability.

  11. GLOBALIZATION AND ITS EFFECTS ON THE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Drăgan (Sântămărian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the present: globalization and its effects on the banking. Globalization is now increasingly recognized as central to the growth of market economies. For the banking sector, this represents both a demand as well as a new landscape of business opportunity.Several years ago, the main part of the banks did not consider the globalization problems relevant for their operations. Recently, the banks began to realize the major impact of the globalization over the way of creating the banking risk in the future. The banking management in the context of globalization represents one of the challengesof these days. Starting from literature in the globalization field in this paper focuses on several relevant issues related to banking management.

  12. The possible environmental impacts of petroleum exploration activities on the Georges Bank ecosystem

    International Nuclear Information System (INIS)

    Boudreau, P.R.; Gordon, D.C.; Harding, G.C.

    1999-01-01

    This document contains a description of the Georges Bank ecosystem, the potential environmental impacts from petroleum exploration activities and the scientific information gathered to support a series of recommendations offered by the review panel. Input has been provided by Canadian and US government scientists, external reviewers, representatives of commercial fishing and petroleum industries. The overall consensus is that petroleum exploration activity might affect fish catch rates and spawning behaviour, however, such impacts are likely to be temporary and localized. Exploration drilling would cause a temporary loss of access to some fishing grounds, while seismic activity is likely to lead to some temporary space conflicts with fishing activity, especially during the summer months. Seismic activity could also impact on eggs and larvae of aquatic organisms, the extent depending on time of year and location. Large release of petroleum products from well blowout was considered unlikely. If occurred, it might affect population and ecosystem levels. Environmental impacts from production activities were not included in this assessment, however, they are believed to be substantially different from exploratory activities. Such impacts will be dependent upon the product being produced, the market, and the available technology. 140 refs., tabs., figs

  13. 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...

  14. Automated clearing system and the banking sector performance: the ...

    African Journals Online (AJOL)

    Automated clearing system and the banking sector performance: the Nigerian experience. ... Abstract. This study investigated the impact of automated clearing system on the Nigerian banking system. ... AJOL African Journals Online. HOW TO ...

  15. Heavy metal concentrations in redeveloping soil of mine spoil under plantations of certain native woody species in dry tropical environment, India

    Energy Technology Data Exchange (ETDEWEB)

    Singh, A.N.; Zeng, D.H.; Chen, F.S. [Chinese Academy of Science, Shenyang (China). Inst. of Applied Ecology

    2005-07-01

    Total concentration of heavy metals (Cd, Cr, Cu, Fe, Pb, Ni, Mn and Zn) was estimated in the redeveloping soil of mine spoil under 5-yr old plantations of four woody species namely: Albizia lebbeck, Albizia procera, Tectona grandis and Dendrocalamus strictus. The data recorded in the present study were compared with other unplanted coal mine spoil colliery, which was around to the study site and adjoining area of dry tropical forest. Among all the heavy metals, the maximum concentration was found for Fe and minimum for Cd. However, among all four species, total concentrations of these heavy metals were recorded maximally in the plantation plots of T. grandis except for Fe, while minimally in A. lebbeck except for Zn, whereas, the maximum concentration of Fe and Zn was in the plantation plots of D. strictus and A. procera. Statistical analysis revealed significant differences due to species for all the heavy metals except Cu. Among four species, A. lebbeck, A. procera and D. strictus showed more efficient for reducing heavy metal concentrations whereas T. grandis was not more effective to reduce heavy metal concentrations in redeveloping soil of mine spoil.

  16. Heavy metal concentrations in redeveloping soil of mine spoil under plantations of certain native woody species in dry tropical environment, India.

    Science.gov (United States)

    Singh, Anand N; Zeng, De-hui; Chen, Fu-sheng

    2005-01-01

    Total concentration of heavy metals (Cd, Cr, Cu, Fe, Pb, Ni, Mn and Zn) was estimated in the redeveloping soil of mine spoil under 5-yr old plantations of four woody species namely: Albizia lebbeck, Albizia procera, Tectona grandis and Dendrocalamus strictus. The data recorded in the present study were compared with other unplanted coal mine spoil colliery, which was around to the study site and adjoining area of dry tropical forest. Among all the heavy metals, the maximum concentration was found for Fe and minimum for Cd. However, among all four species, total concentrations of these heavy metals were recorded maximally in the plantation plots of T. grandis except for Fe, while minimally in A. lebbeck except for Zn, whereas, the maximum concentration of Fe and Zn was in the plantation plots of D. strictus and A. procera. Statistical analysis revealed significant differences due to species for all the heavy metals except Cu. Among four species, A. lebbeck, A. procera and D. strictus showed more efficient for reducing heavy metal concentrations whereas T. grandis was not more effective to reduce heavy metal concentrations in redeveloping soil of mine spoil.

  17. Bank Activity and Funding Strategies: The Impact on Risk and Return

    OpenAIRE

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very low levels. Non-deposit, wholesale funding in contrast lowers the rate of return on assets, while it can offe...

  18. 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

  19. The Diffusion of Fintech Innovations and Impacts on the Modern Banking Ecosystem

    DEFF Research Database (Denmark)

    Deák, Bernadett; Garand, Denis; Turcan, Romeo V.

    are discussed following a conceptual framework that consists of four dimensions: (1) Banking sector transformation including public policies and partnerships; (2) Fintech strategic and operational organizational planning; (3) Fintech innovative services in banking and Fintech adoption; and (4) market......The main purpose of the paper is to conceptualize the interrelationships between FinTech innovations and the banking sector. Since the presence of online banking has been rapidly evolving in the past years, this paper will provide a specific focus on that promising area of technological...... developments. To address the purpose of this research, multiple case study methodology is adopted. The companies and respondents are purposefully selected from the Canadian and Danish banking sector. Secondary and primary data in form of semi-structured interviews was collected and analyzed. The findings...

  20. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

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

  1. THE IMPACT OF BANKING SERVICES QUALITY ON CREDIT INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Dinculescu Elena-Silvia

    2011-09-01

    Full Text Available Taking into account the increasing competition between commercial Romanian banks, there is a real problem to come up with new clients or to preserve the old ones. Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition imposement. Banks being aware of the quality problems also lead to the appearance and requirement of some area working standards. Standards imposing and issuing together with the performance measure system are to be the main elements of a quality programme. The general aim of this study is to offer a practical perspective on the quality of services in order to reinforce certain concepts such as: typology (technical quality versus functional quality, the dimensions and the evaluation of quality. By analyzing the dimensions of quality, the measurement modalities and their improvement, the present research offers instruments for understanding the significance of this „irreproachable service”.

  2. Internet versus Mobile Banking: A Study of Peshawar City (Pakistan)

    OpenAIRE

    MUHMMAD ZEESHAN AHMAD KHAN; SHAHZAD KHAN

    2012-01-01

    The aim of this research is to consider the market status for difference between mobile and internet banking. The worldwide improvement of information technology has affected the banking industry. In the banking segment the impact of information technology is the preface of internet banking and mobile banking. The internet has created an incredible market space, another technology is the mobile phone has emerged to take more important role in business and society. Users attitude and behaviora...

  3. Different effect of mycorrhizal inoculation in direct and indirect reclamation of spoil banks

    Czech Academy of Sciences Publication Activity Database

    Rydlová, Jana; Püschel, David; Vosátka, Miroslav; Charvátová, K.

    2008-01-01

    Roč. 82, č. 1 (2008), s. 15-20 ISSN 1613-9216 R&D Projects: GA MŠk 1M0571 Institutional research plan: CEZ:AV0Z60050516 Keywords : arbuscular mycorrhizal fungi * inoculum * reclamation Subject RIV: EF - Botanics Impact factor: 0.482, year: 2008

  4. 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...

  5. Republic of Poland; Technical Note on Stress Testing the Banking Sector

    OpenAIRE

    International Monetary Fund

    2013-01-01

    This Technical Note discusses results of stress testing of the banking sector in Poland. The Polish banking system is well capitalized and liquid, as confirmed by stress tests results. Polish banks are, in aggregate, resilient even under severe adverse scenarios. Some small banks could fail to meet minimum regulatory capital and liquidity requirements in these scenarios, but with little impact on the overall banking system. Tests showed that only small banks, together representing up to 30 pe...

  6. Impact of the Grameen Bank on childhood mortality in Bangladesh.

    Science.gov (United States)

    Rahman, M; Davanzo, J; Sutradhar, S C

    1996-01-01

    The Grameen Bank (GB) is a highly innovative and well-supervised credit program for the rural poor in Bangladesh. About 95% of over 2 million participants are women. GB can positively affect child survival among its participants through its income-generation and consciousness-raising activities. The study examines if GB influences childhood mortality among its participants. An integrated family life survey was carried out during 1993-94 among about 2500 married women in landless households who are eligible for membership in GB. The survey was carried out among randomly selected married women regardless of GB membership in 3 thanas of Tangail district and 1 thana of Mymensingh district. The study permits an analysis in a "before-after" and "treatment-comparison" framework for measuring the impact of GB on childhood mortality. Estimation was done through proportional hazards models, where the effects of confounding factors like calendar year, maternal age, parity, maternal education, economic conditions, and areal variation were controlled for. There was a 34% and significant reduction in childhood (under-5) mortality after the mothers joined the GB. Similar effects of other NGOs on childhood mortality were also observed. Childhood mortality was similar between the GB members before joining the Bank and never-members, indicating that the GB members were not from a selective group. Childhood mortality was 21% and significantly lower among women who worked for income generation than those women who did not work. Income generation and social development programs modeled after the GB and other NGOs can reduce childhood mortality in Bangladesh and similar settings.

  7. Women in Jordanian banks and performance: Financial accounting measurement

    Directory of Open Access Journals (Sweden)

    Muhannad Akram Ahmad

    2016-08-01

    Full Text Available This study highlights the gender diversity issues in the banking sector taking into consideration their impact on the performance measured by profitability (ROA. As the banking sector has widely been ignored from the previous studies due to their strict system, this study empirically examined the impact of the CEO gender and board with a female director on the performance of the Jordanian commercial banks in a period from 2004 to 2013. The multiple regression analysis shows that the banks with female CEOs underperform their counterparts run by male CEOs. The reason could be due to their harmonious relationships orientation; that is, women do not tend to invest in risky investments. However, female director plays insignificant roles on the performance which supports the evidence of tokenism as argued by the psychological social theory

  8. 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

  9. Cultivation of flax in spoil-bank clay: Mycorrhizal inoculation vs. high organic amendments

    Czech Academy of Sciences Publication Activity Database

    Püschel, David; Rydlová, Jana; Sudová, Radka; Gryndler, Milan

    2008-01-01

    Roč. 171, č. 6 (2008), s. 872-877 ISSN 1436-8730 R&D Projects: GA MŠk 1M0571 Institutional research plan: CEZ:AV0Z60050516; CEZ:AV0Z50200510 Keywords : arbuscular mycorrhizal fungi * compost * flax Subject RIV: EF - Botanics Impact factor: 1.284, year: 2008

  10. A national study of the psychological impact of bank robbery with a randomzed control group

    DEFF Research Database (Denmark)

    Hansen, Maj; Armour, Cherie; Shevlin, Mark

    2013-01-01

    Background. Despite, numerous annual bank robberies worldwide, research in the psychological sequelae of bank robberies is limited. Thus, research needs to investigate the prevalence of Acute Stress Disorder (ASD) and Posttraumatic Stress Disorder (PTSD) in bank employees, whilst comparing how bank...... employees exposed to bank robbery differ from employees not exposed to bank robbery. Objective and design. We studied the prevalence of ASD one week after the robbery (N = 458) and the prevalence of PTSD six months after the robbery (n = 378) in a national Danish bank employees exposed to bank robbery. We...... also investigated several other forms of psychological sequelae and related factors in bank robbery victim for instance prior traumatic experience, anxiety symptoms, and general traumatic symptoms. The results were compared to a randomized control group of bank employees never exposed to bank robbery...

  11. The Influence of Large-scale Bank Roughness and Floodplain Composition on Spatial and Temporal Variations in Bank Erosion

    Science.gov (United States)

    Hackney, C. R.; Darby, S. E.; Leyland, J.; Aalto, R. E.; Best, J.; Parsons, D. R.; Nicholas, A. P.

    2016-12-01

    Knowledge of bank erosion processes and rates along the world's largest rivers remains incomplete, primarily due to the difficulties of obtaining data pertaining to the key driving processes (i.e., during the floods that drive most bank retreat). Recently, larger scale bank roughness elements (slump blocks and embayments) have been shown to impact upon rates and locations of bank erosion. However, a complete understanding of the way such features affect rates of bank erosion is currently hindered by the lack of detailed concurrent observations of slump block geometry, embayment geometry and flow at formative discharges in natural environments. Here, we report on high spatial resolution topographic (Terrestrial Laser Scanner and Multibeam Echo Souder) and flow (Acoustic Doppler Current Profiler) surveys undertaken on the Mekong River, Cambodia, from which we extract the geometric properties of roughness elements across a range of scales. We combine this data with sub-bottom profile data, revealing the composition of the surrounding floodplain, to link, for the first time, scales of bank roughness to bank material composition. Through the categorisation of a series of cut river banks by roughness geometry, we show how rates and locations of bank erosion are dependent on that roughness and associated bank material changes. We test how observed patterns of bank erosion conform to previously detailed models of embayment development, and provide new insight into processes affecting the retreat of large river banks.

  12. Effect of biotic and abiotic factors on soil microbial community diversity during primary succession on colliery spoil heaps

    Czech Academy of Sciences Publication Activity Database

    Elhottová, Dana; Frouz, Jan; Chroňáková, Alica; Malý, S.; Krištůfek, Václav; Kalčík, Jiří; Szili-Kovács, T.; Picek, T.

    2004-01-01

    Roč. 45, - (2004), s. 51 ISSN 0009-0646. [Kongres československé společnosti mikrobiologické /23./. 06.09.2004-09.09.2004, Brno] Keywords : soil microbial community * primary succession * colliery spoil heaps Subject RIV: EH - Ecology, Behaviour

  13. Impacts of the Basle Capital Standard on Japanese Banks' Behavior

    OpenAIRE

    Takatoshi Ito; Yuri Nagatake Sasaki

    1998-01-01

    This paper examines how the risk based capital standards, the so-called Basle Accord between 1990 and 1993. As the Japanese stock prices fell, banks' latent capital gains, which are part of tier II capital, became smaller. Empirical findings are consistent with a view that banks with lower capital ratios tended to issue more subordinated debts (tier II) and to reduce lending (risk assets).

  14. Multinational banks and credit growth in transition economics

    NARCIS (Netherlands)

    Haas, Ralph Theodoor Anna de

    2006-01-01

    This thesis examines the impact of multinational banks (MNBs) on the financial development of European transition countries. On the basis of our results, we conclude that the gradual deepening of the banking systems in Central and Eastern Europe and the Baltic countries (CEB) has enabled firms to

  15. Analyzing Systemic Risk in the Chinese Banking System

    NARCIS (Netherlands)

    Huang, Qiubin; de Haan, Jakob; Scholtens, Bert

    We examine systemic risk in the Chinese banking system by estimating the conditional value at risk (CoVaR), the marginal expected shortfall (MES), the systemic impact index (SII) and the vulnerability index (VI) for 16 listed banks in China. Although these measures show different patterns, our

  16. Institutions and Bank Performance; A Stochastic Frontier Analysis

    NARCIS (Netherlands)

    Lensink, B.W.; Meesters, A.

    2014-01-01

    This article investigates the impact of institutions on bank efficiency and technology, using a stochastic frontier analysis of a data set of 7,959 banks across 136 countries over 10 years. The results confirm the importance of well-developed institutions for the efficient operation of commercial

  17. Institutions and bank performance : A stochastic frontier analysis

    NARCIS (Netherlands)

    Lensink, Robert; Meesters, Aljar

    This article investigates the impact of institutions on bank efficiency and technology, using a stochastic frontier analysis of a data set of 7,959 banks across 136 countries over 10 years. The results confirm the importance of well-developed institutions for the efficient operation of commercial

  18. Modification of meander migration by bank failures

    Science.gov (United States)

    Motta, D.; Langendoen, E. J.; Abad, J. D.; García, M. H.

    2014-05-01

    Meander migration and planform evolution depend on the resistance to erosion of the floodplain materials. To date, research to quantify meandering river adjustment has largely focused on resistance to erosion properties that vary horizontally. This paper evaluates the combined effect of horizontal and vertical floodplain material heterogeneity on meander migration by simulating fluvial erosion and cantilever and planar bank mass failure processes responsible for bank retreat. The impact of stream bank failures on meander migration is conceptualized in our RVR Meander model through a bank armoring factor associated with the dynamics of slump blocks produced by cantilever and planar failures. Simulation periods smaller than the time to cutoff are considered, such that all planform complexity is caused by bank erosion processes and floodplain heterogeneity and not by cutoff dynamics. Cantilever failure continuously affects meander migration, because it is primarily controlled by the fluvial erosion at the bank toe. Hence, it impacts migration rates and meander shapes through the horizontal and vertical distribution of erodibility of floodplain materials. Planar failures are more episodic. However, in floodplain areas characterized by less cohesive materials, they can affect meander evolution in a sustained way and produce preferential migration patterns. Model results show that besides the hydrodynamics, bed morphology and horizontal floodplain heterogeneity, floodplain stratigraphy can significantly affect meander evolution, both in terms of migration rates and planform shapes. Specifically, downstream meander migration can either increase or decrease with respect to the case of a homogeneous floodplain; lateral migration generally decreases as result of bank protection due to slump blocks; and the effect on bend skewness depends on the location and volumes of failed bank material caused by cantilever and planar failures along the bends, with possible achievement of

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

    Directory of Open Access Journals (Sweden)

    Olfa Nessibi

    2016-01-01

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

  20. KINERJA BANK DENGAN RASIO CAMEL TERHADAP PRAKTIK MANAJEMEN LABA

    Directory of Open Access Journals (Sweden)

    Fransina Wattimena

    2017-03-01

    Full Text Available This study aimed to measure the performance of the bank by using camel ratio to earnings managementpractices. This research objects used cluster danamon bank ambon total of 14 samples of banks consisting of 2banks conventional danamon and 12 savings and loan business unit danamon using data for 2006-2011. Theresults of studies using T test showed that there had no significant effect between the performance of the bankto the practice of earnings management measured using discretionary accruals in Danamon banks. The resultby using multiple regression analysis showed that there was a significant negative impact on earnings managementpractices. Thus cluster ambon danamon bank had to use earnings management practices.

  1. BIGGEST CZECH BANKS IN THE MIRROR OF ANNUAL REPORTS

    Directory of Open Access Journals (Sweden)

    Vladislav PAVLAT

    2016-02-01

    Full Text Available The aim of the Paper is to characterise and analyse the biggest Czech banks Annual reports (ARs. Since 2004, the behaviour of Czech banks has been changing, as can be seen – inter alia - from the big banks´ financial statements and annual reports. During the period of 2007 – 2013 the implementation of IFRS continued and its impact on the institutional structure of banking is visible. From the point of view of banks, annual reports present not only the financial results, but they serve as an important instrument of competition and marketing as well. Comparative analysis of the three Czech leading banks gives a picture of their specific features as reflected in their annual statements.

  2. 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

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

    NARCIS (Netherlands)

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

    2010-01-01

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

  4. Role of Marketing Information System (MKIS) on Banking Performance: Case of Jordan

    OpenAIRE

    Ayed AL Muala; Malek AL Majali; Bashar alkhawaldeh

    2013-01-01

    The study aims to identify the impact of the antecedents of banking performance in the banking sector in Jordan. Population of this study consists of bank marketing managers in Jordanian banks, the population sizes of banks used in this study are (150) marketing. Results of this study showed that all antecedents of banks performance (attitude, easy of use, usefulness, market procedural, employee support, customer's knowledge and market responsiveness) have positive and significant influence o...

  5. Commercial Banks and Capital Regulation in the Early 20th Century US

    OpenAIRE

    Gou, Michael

    2017-01-01

    My dissertation investigates the effect of capital requirements on commercial banks and the impact of commercial bank suspensions on the United States economy during the early 20th century. The first chapter examines the effect of capital requirements on bank stability. The early 20th century United States provides an opportunity to determine whether imposing capital requirements on commercial banks promotes banking stability in the long run. The structure of the national banking system fac...

  6. Capital Regulation and Bank Risk-Taking Behavior: Evidence from Pakistan

    Directory of Open Access Journals (Sweden)

    Badar Nadeem Ashraf

    2016-08-01

    Full Text Available In response to the global financial crisis of 2007–2009, risk-based capital requirements have been reinforced in the new Basel III Accord to counter excessive bank risk-taking behavior. However, prior theoretical as well as empirical literature that studies the impact of risk-based capital requirements on bank risk-taking behavior is inconclusive. The primary purpose of this paper is to examine the impact of risk-based capital requirements on bank risk-taking behavior, using a panel dataset of 21 listed commercial banks of Pakistan over the period 2005–2012. Purely regulatory measures of bank capital, capital adequacy ratio, and bank assets portfolio risk, risk-weighted assets to total assets ratio, are used for the main analysis. Recently developed small N panel methods (bias corrected least squares dummy variable (LSDVC method and system GMM method with instruments collapse option are used to control for panel fixed effects, dynamic dependent variables, and endogenous independent variables. Overall, the results suggest that commercial banks have reduced assets portfolio risk in response to stringent risk-based capital requirements. Results also confirm that all banks having risk-based capital ratios either lower or higher than the regulatory required limits, have decreased portfolio risk in response to stringent risk-based capital requirements. The results are robust to alternative proxies of bank risk-taking, alternative estimation methods, and alternative samples.

  7. The impact of image test bank construction on radiographic interpretation outcomes: A comparison study

    International Nuclear Information System (INIS)

    Hardy, M.; Flintham, K.; Snaith, B.; Lewis, E.F.

    2016-01-01

    Introduction: Assessment of image interpretation competency is commonly undertaken through review of a defined image test bank. Content of these image banks has been criticised for the high percentage of abnormal examinations which contrasts with lower reported incidences of abnormal radiographs in clinical practice. As a result, questions have been raised regarding the influence of prevalence bias on the accuracy of interpretive decision making. This article describes a new and novel approach to the design of musculoskeletal image test banks. Methods: Three manufactured image banks were compiled following a standard academic menu in keeping with previous studies. Three further image test banks were constructed to reflect local clinical workload within a single NHS Trust. Eighteen radiographers, blinded to the method of test bank composition, were randomly assigned 2 test banks to review (1 manufactured, 1 clinical workload). Comparison of interpretive accuracy was undertaken. Results: Inter-rater agreement was moderate to good for all image banks (manufactured: range k = 0.45–0.68; clinical workload: k = 0.49–0.62). A significant difference in mean radiographer sensitivity was noted between test bank designs (manufactured 87.1%; clinical workload 78.5%; p = 0.040, 95% CI = 0.4–16.8; t = 2.223). Relative parity in radiographer specificity and overall accuracy was observed. Conclusion: This study confirms the findings of previous research that high abnormality prevalence image banks over-estimate the ability of observers to identify abnormalities. Assessment of interpretive competency using an image bank that reflects local clinical practice is a better approach to accurately establish interpretive competency and the learning development needs of individual practitioners. - Highlights: • High prevalence image test banks over-estimate the ability of observers. • Clinical workload test banks may better reflect image interpretation competency.

  8. 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...

  9. Integration of thermal digital 3D model and a MASW (Multichannel Analysis of Surface Wave) as a means of improving monitoring of spoil tip stability

    Science.gov (United States)

    Lewińska, Paulina; Matuła, Rafał; Dyczko, Artur

    2018-01-01

    Spoil tips are anthropogenic terrain structures built of leftover (coal) mining materials. They consist mostly of slate and sandstone or mudstone but also include coal and highly explosive coal dust. Coal soil tip fires cause an irreversible degradation to the environment. Government organizations notice the potential problem of spoil tip hazard and are looking for ways of fast monitoring of their temperature and inside structure. In order to test new monitoring methods an experimental was performed in the area of spoil tip of Lubelski Węgiel "Bogdanka" S.A. A survey consisted of creating a 3D discreet thermal model. This was done in order to look for potential fire areas. MASW (Multichannel analysis of surface wave) was done in order to find potential voids within the body of a tip. Existing data was digitalized and a 3D model of object's outside and inside was produced. This article provides results of this survey and informs about advantages of such an approach.

  10. Integration of thermal digital 3D model and a MASW (Multichannel Analysis of Surface Wave as a means of improving monitoring of spoil tip stability

    Directory of Open Access Journals (Sweden)

    Lewińska Paulina

    2018-01-01

    Full Text Available Spoil tips are anthropogenic terrain structures built of leftover (coal mining materials. They consist mostly of slate and sandstone or mudstone but also include coal and highly explosive coal dust. Coal soil tip fires cause an irreversible degradation to the environment. Government organizations notice the potential problem of spoil tip hazard and are looking for ways of fast monitoring of their temperature and inside structure. In order to test new monitoring methods an experimental was performed in the area of spoil tip of Lubelski Węgiel „Bogdanka” S.A. A survey consisted of creating a 3D discreet thermal model. This was done in order to look for potential fire areas. MASW (Multichannel analysis of surface wave was done in order to find potential voids within the body of a tip. Existing data was digitalized and a 3D model of object’s outside and inside was produced. This article provides results of this survey and informs about advantages of such an approach.

  11. Radiation-induced enhancement of antifungal activity of chitosan on fruit-spoiling fungi during postharvest storage

    Energy Technology Data Exchange (ETDEWEB)

    Diep, Tran Bang; Lam, Nguyen Duy; Quynh, Tran Minh [Institute for Nuclear Science and Technique-VAEC, Hanoi (Viet Nam); Kume, Tamikazu [Japan Atomic Energy Research Inst., Takasaki, Gunma (Japan). Takasaki Radiation Chemistry Research Establishment

    2001-03-01

    Experiment conducted four fruit-spoiling fungal strains that were isolated from spoilt fruits (mango and dragon fruit) and were identified as follows: Fusarium dimerum Penzig, Aspergillus nidulans Wint, Aspergillus fumigatus Fresenius and Aspergillus japonicus Saito. Chitosan samples with various deacetylation degree (70-99%) were irradiated at doses ranging from 20 to 200kGy, then were supplemented to liquid medium for growth of fungi. We have found that chitosan possesses not only well known antibacterial activity but also the antifungal one on fruit-spoiling fungi. Method of fungal cultivation using liquid medium showed that it has higher sensitivity compared with the cultivation on agar plate, so we recommend this method should be used for evaluation of antimicrobial activity of chitosan. Our study also indicated that deacetylation degree of chitosan clearly affects its antifungal activity, the higher the deacetylation of chitosan, stronger antifungal activity can be observed. This finding recommends the use of chitosan with higher deacetylation for fruit coating and other pharmacology utilization. Results from the minimal inhibitory concentrations (MIC) on fungal growth showed that radiation treatment increased antifungal activity of chitosan and dose of 60kGy gave highest activity. (author)

  12. Radiation-induced enhancement of antifungal activity of chitosan on fruit-spoiling fungi during postharvest storage

    International Nuclear Information System (INIS)

    Diep, Tran Bang; Lam, Nguyen Duy; Quynh, Tran Minh; Kume, Tamikazu

    2001-01-01

    Experiment conducted four fruit-spoiling fungal strains that were isolated from spoilt fruits (mango and dragon fruit) and were identified as follows: Fusarium dimerum Penzig, Aspergillus nidulans Wint, Aspergillus fumigatus Fresenius and Aspergillus japonicus Saito. Chitosan samples with various deacetylation degree (70-99%) were irradiated at doses ranging from 20 to 200kGy, then were supplemented to liquid medium for growth of fungi. We have found that chitosan possesses not only well known antibacterial activity but also the antifungal one on fruit-spoiling fungi. Method of fungal cultivation using liquid medium showed that it has higher sensitivity compared with the cultivation on agar plate, so we recommend this method should be used for evaluation of antimicrobial activity of chitosan. Our study also indicated that deacetylation degree of chitosan clearly affects its antifungal activity, the higher the deacetylation of chitosan, stronger antifungal activity can be observed. This finding recommends the use of chitosan with higher deacetylation for fruit coating and other pharmacology utilization. Results from the minimal inhibitory concentrations (MIC) on fungal growth showed that radiation treatment increased antifungal activity of chitosan and dose of 60kGy gave highest activity. (author)

  13. The influence of the new Basel regulation rules on the Slovak banking sector

    OpenAIRE

    Emília Zimková; Jana Tašková

    2012-01-01

    The aim of the paper is to quantify an impact of the new Basel regulation rules which are known as Basel III on the Slovak banking sector. We present methodology provided by the Bank for international settlement in its monitoring workbook and as to database the set of central bank statements and reports provided upon request have been used. Based on our calculations we discovered three main impacts of the Basel III on the Slovak banking sector: i) the volume and quality of the capital meet re...

  14. Do banks differently set their liquidity ratios based on their network characteristics?

    OpenAIRE

    Distinguin, Isabelle; Mahdavi-Ardekani, Aref; Tarazi, Amine

    2016-01-01

    This paper investigates the impact of interbank network topology on bank liquidity ratios. Whereas more emphasis has been put on liquidity requirements by regulators since the global financial crisis of 2007-2008, how differently shaped interbank networks impact individual bank liquidity behavior remains an open issue. We look at how bank interconnectedness within interbank loan and deposit networks affects their decision to hold more or less liquidity during normal times and distress times a...

  15. Do banks differently set their liquidity ratios based on their network characteristics?

    OpenAIRE

    Distinguin , Isabelle; Mahdavi-Ardekani , Aref; Tarazi , Amine

    2017-01-01

    This paper investigates the impact of interbank network topology on bank liquidity ratios. Whereas more emphasis has been put on liquidity requirements by regulators since the global financial crisis of 2007-2008, how differently shaped interbank networks impact individual bank liquidity behavior remains an open issue. We look at how bank interconnectedness within interbank loan and deposit networks affects their decision to hold more or less liquidity during normal times and distress times a...

  16. THE ROLE OF THE COMMERCIAL BANKS' CAPITAL IN REALIZATION OF INVESTMENT POTENTIAL OF BANKING SYSTEM OF UKRAINE

    Directory of Open Access Journals (Sweden)

    I. Lyutiy

    2015-03-01

    Full Text Available The article studies modern trends in investment corporate lending in Ukraine and the ultimate role of banking system in context of capital investments funding in Ukraine. The impact of structure and dynamics of commercial banks’ financial resources on realization of investment potential of Ukrainian banking system is analyzed. The role of banks’ capital adequacy as a precondition for expansion of investment corporate lending is determined.

  17. Do Banks Benefit from Internationalization? Revisiting the Market Power-Risk Nexus*

    NARCIS (Netherlands)

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

    We analyze the impact of bank internationalization on domestic market power (Lerner index) and risk for German banks. Risk is measured by the official declaration of regulatory authorities that a bank is distressed. We distinguish the volume of foreign assets, the number of foreign countries, and

  18. Assessment of the economic sanctions influence on the Russian banking system

    Directory of Open Access Journals (Sweden)

    Dilyara F. Zakirova

    2018-03-01

    Full Text Available Objective to study the impact of economic sanctions on the key indicators of the liquidity and financial condition of the sanctioned banks of the Russian Federation by comparing them to the indicators of nonsanctioned credit institutions. Methods logical method method of comparative analysis statistical methods method of graphic images. Results the article examines the impact of economic sanctions on the Russian banking system. The sanctions affecting the Russian banking system are presented in chronological order. It is stated that the negative impact of the Western sanctions on the banking system is not denied. The authors analyze scientific works devoted to the effect of sanctions on Russian banks. The analysis revealed the absence of comprehensive studies of the effect of sanctions on the liquidity and financial condition of the sanctioned banks. For this assessment the authors analyzed the performance indicators of six sanctioned and six nonsanctioned Russian banks with the largest assets. It is proved that economic sanctions led to deterioration of the financial results of the sanctioned banks increased their dependence on the domestic interbank market and the funds from Bank of Russia. Other changes were mainly due to the overall economic situation internal policies of banks and the policy of the Bank of Russia not the sanctions. nbsp Scientific novelty the article for the first time basing on the comparative analysis of the main performance indicators of the sanctioned and nonsanctioned banks proved the impact of economic sanctions on the Russian banking system. However despite the banking sector adaptation to the existing conditions through their reorientation to the domestic market it should be noted that a certain tension ensuring the longterm liquidity is still preserved. The cost of the available longterm resources to be attracted remains relatively high which influences the financial results of the banking sector. Therefore without

  19. THE IMPACT OF PERSONAL, SOCIOLOGICAL AND INSTITUTIONAL INFLUENCES ON RELATIONSHIP COMMITMENT IN RETAIL BANKING

    Directory of Open Access Journals (Sweden)

    Jamil Bojei

    2003-01-01

    Full Text Available Previous research in the domain of relationship marketing has focused mainly on the antecedents of loyalty and commitment in the industrial market, distribution channel or consumer goods. This study however, models the antecedents of consumer's relationship commitment in the context of a retail banking service. The impact of the four key explanatory variables (personal influences, sociological influences, institutional influences, and trust are examined. The results support the hypothesized model and shows sociological influences to be a key driver of all antecedent variables, and the most powerful determinant of the relationship commitment.

  20. Time to buy or just buying time? The market reaction to bank rescue packages

    OpenAIRE

    Michael R King

    2009-01-01

    This paper reviews the market reaction to bank rescue packages announced in six countries between October 2008 and January 2009. The study distinguishes the impact on creditors as seen in the change of CDS spreads from the impact on shareholders as seen in the movement of bank stock prices. Government interventions benefited creditors at the expense of shareholders, with bank CDS spreads narrowing around the announcements in all cases. Despite a brief positive reaction, bank stock prices cont...

  1. Effect 0f Credit Risk Management Techniques 0n The Performance 0f Unsecured Bank Loans Employed Commercial Banks In Kenya

    Directory of Open Access Journals (Sweden)

    Prof. R.W Gakure

    2013-07-01

    Full Text Available Financial risk in a banking organization is possibility that the outcome of an action or event could bring up adverse impacts. Such outcomes could either result in a direct loss of earnings / capital or may result in imposition of constraints on bank’s ability to meet its business objectives. The purpose of this study was to investigate the effect of credit risk management techniques on the performance of unsecured bank loans by commercial banks in Kenya.

  2. 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.

  3. Capital adequacy of the banking industry in Indonesia

    Directory of Open Access Journals (Sweden)

    Sri Murtiyanti

    2015-10-01

    Full Text Available This study analyzes the relationship between credit risk and profitability on the capital adequacy ratio (CAR of commercial banks in Indonesia. The empirical model result shows that credit risk and profitability performance altogether significantly influence the capital adequacy ratio (CAR. Partially, the variables that significantly influence the CAR are the characteristics and complexity of the bank group. This study also suggests that the pace towards the long-term balance is, in general, less than one year. Capital ratio in the banking industry is 8%, indicating the bank has set aside to anticipate the impact of external factors as well as to comply with Bank Indonesia Regulation Number 15/12/PBI/2013.

  4. Impact of mergers and acquisitions on the efficiency of banking in Colombia

    Directory of Open Access Journals (Sweden)

    Miguel Sarmiento

    2018-04-01

    Full Text Available This article evaluates the efficiency of Colombian banking using nonparametric border models. The results indicate that there has been a gradual increase in efficiency and that the global financial crisis of 2008 affected this trend. Since 2009 there has been a rapid recovery of efficiency measures, except for cost efficiency. This suggests that, in the face of external shocks, the adjustment costs of banks are greater. Mergers and acquisitions contribute to the increase in banking efficiency.

  5. 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…

  6. Determinants of deposit potential as inverse liquidity indicator of commercial banks in Serbia

    Directory of Open Access Journals (Sweden)

    Milošević-Avdalović Snežana

    2016-01-01

    Full Text Available The aim of this paper is to identify determinants of liquidity of commercial banks in the Republic of Serbia, observing the macroeconomic and banking-specific indicators, or micro-economic indicators which were analyzed by descriptive statistics, correlation and regression analysis from 2008 to 2014. The correlation for the observed variables is calculated from 140 samples for internal and external independent variables of impact to the dependent variable - liquidity measured by indicator of deposits. The subject of research is the process of optimization model reducing the factors of liquidity to variables that have the most significant impact on liquidity indicator measured by deposit potential. Results of the model show that liquidity of banks is dominantly determined by the size of banks assets. With growth of the assets, banks are exposed to a greater risk of liquidity. The increase in capital adequacy ratio has a positive effect on the liquidity of banks. Net interest margin is positively correlated with the indicator of deposit potential which indicates a negative impact on the liquidity of banks as well as the ratio of operating expenses to operating income.

  7. Causal relationship between CSR and FB in banks

    Directory of Open Access Journals (Sweden)

    Amal Abou Fayad

    2017-12-01

    Full Text Available The present study investigates the impact of corporate social responsibility (CSR on financial performance (FB of Lebanese banks. Based on panel data of seven Lebanese banks, a positive relation between CSR and financial performance have been found. The research findings contribute to understand that Lebanese performant banks would adopt volunteer actions that promote social responsibility actions. Moreover, highest profit lead for a better image and legitimacy once the investments are made into human, economic, community development and environmental protection.

  8. 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.

  9. The Impact of Bank Restatements on Illiquidity and Systemic Risk

    DEFF Research Database (Denmark)

    Herly, Marie

    contribute more to systemic risk than other banks and thereby have spillover effects on the financial system. Overall, this paper shows firstly, that banks manage capital with loan loss provisions to avoid regulatory costs prior to a restatement. Secondly, it shows that capital providers demand a higher risk...... premium to compensate for the higher uncertainty following a restatement and that this has material effects on the financial system through higher balance sheet illiquidity and higher contribution to systemic risk....

  10. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  11. 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

  12. Parent Influence on Loan Pricing by Czech Banks

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis; Raková, M.

    2012-01-01

    Roč. 21, č. 4 (2012), s. 434-449 ISSN 1210-0455 Institutional support: RVO:67985556 Keywords : multinational bank * interest rate * internal capital market Subject RIV: AH - Economics Impact factor: 0.561, year: 2012 http://library.utia.cas.cz/separaty/2013/E/derviz-parent influence on loan pricing by czech banks.pdf

  13. 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.

  14. Foreign Bank Entry and Credit Allocation in Emerging Markets

    NARCIS (Netherlands)

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

    2009-01-01

    We employ a unique data set containing bank-specific information to explore how foreign bank entry determines credit allocation in emerging markets. We investigate the impact of the mode of foreign entry (greenfield or takeover) on banks’ portfolio allocation to borrowers with different degrees of

  15. Analysis of Performance Measures in the Banking System

    Directory of Open Access Journals (Sweden)

    Angelica STRATULAT

    2013-08-01

    Full Text Available The complex and delicate character of the problem of banking performance, in the context of harsh competition and the emergence of multiple risks, impose on the banks the permanent evaluation of the behavior and the analysis of internal activity. In the context of the fast changes that take place in national economies lately, starting points towards a new banking order must be based on new models of banking management. The macroeconomic risk factors may have a significant impact on the performance of a banking institution, with direct implications on the quality of the credit portfolio, on profitability and its fructification and, finally, on the entire banking system. The evaluation of a bank’s profitability is done with the aid of the banking performance indicators, which reflect a multitude of aspects regarding the degree of profit realization, managerial and operational efficiency. The most important objective that banks which want to assume the responsibility of running a successful practice will be the identification of market needs and the choosing of a strategic position in this market, in the context of banking performance and minimal risk.

  16. The impact of employees‟ personality traits in perceiving leadership styles and organizational attitude in Saudi Banking context

    OpenAIRE

    Almandeel, Seita Mandeel

    2014-01-01

    This thesis explores the influence of employees‟ personality types (Neuroticism (N), Openness to Experience (O), Conscientiousness (C), Agreeableness (A) and Extraversion (E)) on leadership styles (Transformational, Transactional and Avoidant) and on employees‟ attitudes to their organisation (Job Satisfaction and Turnover Intention) in banks in the Kingdom of Saudi Arabia. The objectives of this thesis are to identify the impact of personality traits on: perceptions of Leadership behaviour, ...

  17. 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 ...

  18. ORGANIZATIONAL AND ECONOMIC ASPECTS OF INCREASING COMPETITIVENESS OF UKRAINIAN BANKS

    Directory of Open Access Journals (Sweden)

    Ivanova S.

    2018-01-01

    Full Text Available Introduction. Modern business conditions and comprehensive economic globalization put the banking institutions at the forefront of the task of achieving and maintaining a high level of competitiveness both on the domestic and on the external financial markets, as banks serve as the main intermediaries in the whole complex of relationships between different economic subjects. To achieve and maintain the competitiveness of banks it is important to create an effective management mechanism, which determines the relevance of the chosen topic. Purpose. The purpose of the work is to summarize the existing theoretical aspects concerning the competitiveness of banks and develop organizational and economic approaches to its enhancement and implementation in banking practice. Results. The article generalizes the notion of competitiveness as an economic category and defines the main approaches of scientists to its interpretation. The role and importance of foreign capital in the banking system and its impact on the competitiveness of banks are considered, and the share of foreign capital in the authorized capital of banks for the period of 2008-2017 is calculated. On the basis of the comparative analysis, the impact on the competitiveness of the largest banking institutions of Ukraine on the performance indicators, such as volumes of assets, liabilities of banks and capital adequacy, was investigated. The possibility of increasing the efficiency of the mechanism of ensuring competitiveness according to the process approach is outlined. By means of the Microsoft Office Visio software system, the Bank’s own Banking Business Management business process was built to ensure the bank’s viability and its structural analysis according to the IDEF0 standard of the SADT methodology. Conclusions. The relationship between the analysis of the bank’s position and the development of its development strategy is important for the understanding and effective management

  19. THE STRATEGIC IMPORTANCE OF CORPORATE RESPONSIBILITY AND SUSTAINABILITY IN BANKING

    Directory of Open Access Journals (Sweden)

    DRĂGAN (SÂNTĂMARIAN OANA RALUCA

    2013-02-01

    Full Text Available The paper aims to highlight the strategic implication of corporate social responsibility (CSR and sustainable development for the banking sector. A few years ago, banks did not give much importance to the social and environmental problems. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the banking system. In this context, the development of a bank management system based on sustainable principles is one of the current challenges. For this purpose this paper focuses on issues such as the importance and advantages of implementing sustainability bank management, international standards regarding sustainable banking management such as: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. In addition, we have developed a practical case study about the implementation of sustainable banking management; the case study presents Romanian Commercial Bank as an example of good practice in the Romanian banking sector.

  20. Examining the factors affecting willingness to use electronic banking ...

    African Journals Online (AJOL)

    Examining the factors affecting willingness to use electronic banking: the ... which information technologies are accepted are of the research studies. ... Customers' understanding of the ease of use of e-banking systems has a significant impact on perceived usefulness and their attitude had. ... AJOL African Journals Online.

  1. Risks of resource provision of the banks in conditions of instability

    Directory of Open Access Journals (Sweden)

    Zaslavska Olha I.

    2015-03-01

    Full Text Available Aim of the article is a characterization of the risks of resource provision of the banking and factors that affect them, as well as analysis and assessment of the Ukrainian banks’ activity in conditions of economical, social and political crisis. In the article there was researched the essence of resource banking risks. A definition of «risks of resource provision of a bank» was suggested. There was presented author’s classification of the risks of resource provision of a bank and were established causal connections between them. System risks faced by the banking system of Ukraine, in the context of its resource base, were analyzed. There were analyzed and investigated the causes of the outflow of deposits from the banking sector in Ukraine during the crisis. In the article were presented the dynamics of the hryvna devaluation in 2014-2015 and there were also revealed the key factors that led to its emergence and development. There was presented financial assessment of the impact of major bank risks on the economy of Ukraine, and was calculated the cumulative effect of the impact on the overall socio-economical situation of the state.

  2. Quantitative determination of sediment movement at the landward spoil ground in the Yangtze Estuary with radioactive tracer

    International Nuclear Information System (INIS)

    Li Zhangsu

    1993-01-01

    A radioactive tracer experiment was carried out at the landward spoil ground of the North Passage in the Yangtze Estuary in June of 1991. The scandium-46 was selected as the tracer, the total activity released is 17.95 x 10 10 Bq(4.85 Ci), the amount of the scandium-46 glass is 495 g. The purpose of the experiment is to determine the sediment movement direction, path, velocity and transport rate. The experiment provides the direct evidence for using the landward spoil ground in the future. The experiment results show the sediment movement was governed by the ebb tide current during the period of middle and neap tides when the radioactive tracer was injected both on the flood and ebb tides, and the sediment moved from the injection points to the middle of the North Passage near the navigation buoy No. 269. The direction of the sediment movement is 110 degree, the particle velocity is 758 m/d, and the sediment transport rate per unit width is 47.8 m 3 /md

  3. 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.

  4. Reflective Practice: How the World Bank Explored Its Own Biases?

    Science.gov (United States)

    McKee, Martin; Stuckler, David

    2015-12-10

    While many international organisations have independent evaluations, including the International Monetary Fund (IMF) and World Health organization (WHO), uniquely the World Bank in its 2015 World Development Report sought to ascertain the potential biases that influence how its staff interpret evidence and influence policy. Here, we describe the World Bank's study design, including experiments to ascertain the impact on Bank staff's judgements of complexity, confirmation bias, sunk cost bias, and an understanding of the wishes of those whom they seek to help. We then review the Bank's proposed mechanisms to minimise the impact of the biases they identified. We argue that this approach, that we refer to as 'reflective practice,' deserves to be adopted more widely among institutions that seek to use evidence from research to inform policy and practice. © 2016 by Kerman University of Medical Sciences.

  5. PENGARUH LEVEL OF ASSURANCE, REPUTASI KANTOR AKUNTAN PUBLIK, STRUKTUR MODAL CALON DEBITUR, DAN UKURAN BANK TERHADAP KEPUTUSAN PEMBERIAN KREDIT BANK DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Elisa Tjondro

    2007-01-01

    Full Text Available This research intends to know the influence of the level of assurance, CPA firm's reputation, aspirant debitor's capital structure and bank size on bank loan decisions. The applied regression technique used to solve this problem are Chi-square test, Friedman test and Regression with the help of software SPSS 10th version. This research's results proved that the aspirant debitor's capital structure and bank size have influence on bank lending decisions, while level of assurance and CPA firm's reputation proved of no influence on bank lending decisions. From these two variables, aspirant debitor's capital structure has the highest impact on bank loan decisions in Indonesia. Abstract in Bahasa Indonesia : Penelitian ini bertujuan untuk mengetahui apakah level of assurance, reputasi kantor akuntan publik, struktur modal calon debitur, dan ukuran bank mempengaruhi keputusan pemberian kredit oleh bank. Teknik analisis yang digunakan untuk memecahkan masalah tersebut adalah Chi-square test, Friedman test, dan Regresi dengan memakai alat bantu software SPSS versi 10.0. Penelitian ini membuktikan bahwa struktur modal calon debitur dan ukuran bank berpengaruh terhadap keputusan pemberian kredit bank, sedangkan variabel level of assurance dan reputasi kantor akuntan publik terbukti tidak mempengaruhi keputusan pemberian kredit bank. Dari kedua variabel tersebut, struktur modal adalah variabel yang memiliki tingkat pengaruh paling tinggi terhadap keputusan pemberian kredit bank di Indonesia. Kata kunci: level of assurance, keputusan pemberian kredit bank.

  6. Biochar addition induced the same plant responses as elevated CO2 in mine spoil.

    Science.gov (United States)

    Zhang, Yaling; Drigo, Barbara; Bai, Shahla Hosseini; Menke, Carl; Zhang, Manyun; Xu, Zhihong

    2018-01-01

    Nitrogen (N) limitation is one of the major constrain factors for biochar in improving plant growth, the same for elevated atmospheric carbon dioxide (CO 2 ). Hence, we hypothesized that (1) biochar would induce the same plant responses as elevated CO 2 under N-poor conditions; (2) elevated CO 2 would decrease the potential of biochar application in improving plant growth. To test these hypotheses, we assessed the effects of pinewood biochar, produced at three pyrolytic temperatures (650, 750 and 850 °C), on C and N allocation at the whole-plant level of three plant species (Austrostipa ramossissima, Dichelachne micrantha and Isolepis nodosa) grown in the N poor mine spoil under both ambient (400 μL L -1 ) and elevated (700 μL L -1 ) CO 2 concentrations. Our data showed that biochar addition (1) significantly decreased leaf total N and δ 15 N (P < 0.05); (2) decreased leaf total N and δ 15 N more pronouncedly than those of root; and (3) showed more pronounced effects on improving plant biomass under ambient CO 2 than under elevated CO 2 concentration. Hence, it remained a strong possibility that biochar addition induced the same plant physiological responses as elevated CO 2 in the N-deficient mine spoil. As expected, elevated CO 2 decreased the ability of biochar addition in improving plant growth.

  7. Basel III Global Liquidity Standards: Critical Discussion and Impact onto the European Banking Sector

    Directory of Open Access Journals (Sweden)

    Veronika Bučková

    2011-09-01

    Full Text Available Together with the Basel III regulatory equity rules, two liquidity ratios have been published. Resulting from the illiquidity of some banks during the financial crisis in 2008, these ratios shall help to prevent further crisis in the European banking sector. But do they really fulfill their aim? This article presents the new liquidity ratios, the actual liquidity situation in banks and describes the consequences for banks at a simplified example. It has to be stated that implementing more detailed liquidity frameworks into the banking supervision process is necessary. The financial crisis in 2008 showed that several banks did not have adequate liquidity risk models and processes to prevent illiquidity. But the LCR and the NSFR seem to be wrong methods. Both ratios will increase. The implementation of both ratios has to be done very carefully in order to prevent this.

  8. SEGMENTATION OF SME PORTFOLIO IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Namolosu Simona Mihaela

    2013-07-01

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

  9. Capital Regulation, the Cost of Financial Intermediation and Bank Profitability: Evidence from Bangladesh

    Directory of Open Access Journals (Sweden)

    Changjun Zheng

    2017-04-01

    Full Text Available In response to the recent global financial crisis, the regulatory authorities in many countries have imposed stringent capital requirements in the form of the BASEL III Accord to ensure financial stability. On the other hand, bankers have criticized new regulation on the ground that it would enhance the cost of funds for bank borrowers and deteriorate the bank profitability. In this study, we examine the impact of capital requirements on the cost of financial intermediation and bank profitability using a panel dataset of 32 Bangladeshi banks over the period from 2000 to 2015. By employing a dynamic panel generalized method of moments (GMM estimator, we find robust evidence that higher bank regulatory capital ratios reduce the cost of financial intermediation and increase bank profitability. The results hold when we use equity to total assets ratio as an alternative measure of bank capital. We also observe that switching from BASEL I to BASEL II has no measurable impact on the cost of financial intermediation and bank profitability in Bangladesh. In the empirical analysis, we further observe that higher bank management and cost efficiencies are associated with the lower cost of financial intermediation and higher bank profitability. These results have important implications for bank regulators, academicians, and bankers.

  10. Investigating the Psychological Impact of Bank Robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Armour, Cherie; Shevlin, Mark

    2014-01-01

    of traumatization and somatization in employees never exposed to robbery and employees exposed to robbery at different degrees and time-points, while controlling for selected risk factors of posttraumatic distress. Multivariate regression analyses showed that only the acute directly exposed robbery group had...... the acute phase, other factors appear more important in predicting general traumatization and somatization in bank employees compared to exposure to robbery....

  11. BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

    Directory of Open Access Journals (Sweden)

    Copil Crina Angela

    2014-07-01

    have a special purpose, they are necessary operations of draining the bank life by the absorption of the banks without stability by those with potential of economical and managerial stable capital. It is well known that the great banks, very strong and well consolidated created in the process of mergers and acquisitions have another potential in maintenance of the flux of profit and the balanced increase of the profitableness, having a great impact on the economy. The contribution consists in combining some conceptual elements with some empirical aspects, with the process of bank concentration created by acquisitions and fusions that leads to the elimination of some bank entitites that are not credible and stable and maintenance of those that are efficient, useful and credible for the client and for the Romanian society. The subject is a present one in the entire world, in a continuous change and adapting to the existent tendencies in the entire world, having a major impact also on the Romanian bank market, on the bank financial institutions that in order to face the competition have directed their strategies for the diversification of the risks.

  12. The Spatial Econometric Analysis of China’s Banking Competition and Its Influential Factors

    Directory of Open Access Journals (Sweden)

    Ying Li

    2015-12-01

    Full Text Available This paper determines alternative indexes to measure banking competition from the perspective of industrial economics. Spatial correlation of competition in China’s banking environment is studied from the perspective of spatial economics. A spatial panel data model is built to make an empirical study of factors influencing banking competition. The results show that the global autocorrelation test index Moran’s I indicates that China’s banking competition has obvious spatial correlation characteristics and significant spatial clustering. The space LISA map indicates that banking competition in most provinces has the characteristics of spatial dependence, and only a few provinces have the characteristics of spatial heterogeneity. Human capital, economic growth, financial scale of development, and foreign direct investment all have a significant positive effect on improving the degree of banking competition. Government intervention has a significant negative impact on the degree of banking competition, while fixed asset investment has no significant impact on it.

  13. Work plan, health and safety plan, and site characterization for the Rust Spoil Area (D-106)

    International Nuclear Information System (INIS)

    Bohrman, D.E.; Uziel, M.S.; Landguth, D.C.; Hawthorne, S.W.

    1990-06-01

    As part of the Resource Conservation and Recovery Act (RCRA) Facility Investigation (RFI) of the Department of Energy's Y-12 Plant located in Oak Ridge, Tennessee, this work plan has been developed for the Rust Spoil Area (a solid waste disposal area). The work plan was developed by the Measurement Applications and Development Group (MAD) of the Health and Safety Research Division (HASRD) at Oak Ridge National Laboratory (ORNL) and will be implemented jointly by ORNL/MAD and the Y-12 Environmental Surveillance Section. This plan consists of four major sections: (1) a project description giving the scope and objectives of the investigation at the Rust Spoil Area; (2) field and sampling procedures describing sample documentation, soil sampling techniques, sample packaging and preservation, equipment decontamination, and disposal of investigation generated wastes; (3) sample analysis procedures detailing necessary analytical laboratory procedures to ensure the quality of chemical results from sample receipt through analysis and data reporting; and (4) a health and safety plan which describes general site hazards and particular hazards associated with specific tasks, assigns responsibilities, establishes personnel protection standards and mandatory safety procedures, and provides emergency information for contingencies that may arise during the course of field operations

  14. 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.

  15. REPUTATIONAL AND OPERATIONAL RISKS IN EUROPEAN BANKS

    Directory of Open Access Journals (Sweden)

    Roxana HERGHILIGIU

    2014-06-01

    Full Text Available In the past 20 years operational and reputational risk has become more intriguing due to the public scandals of rogue tranding in banks like Barings Bank, Allied Irish Banks, Enron. The purpose of this study is to find the connections between operational risk and reputational risk. Our research shows that there may be a loss of reputation due to operational loss events. Moreover, every type of operational risk, from internal fraud, external fraud, legal and liability losses, processing errors, information security breaches, inappropriate business practice, physical security breaches conduct to a loss of reputation. The limitations of this paper are represented by the fact that do not have enough data to show the real impact of the reputation risk to the financial results of the European Banks.

  16. Awareness of cord blood collection and the impact on banking.

    Science.gov (United States)

    Bhandari, Rusha; Lindley, Amy; Bhatla, Deepika; Babic, Aleksandar; Mueckl, Kathy; Rao, Rakesh; Brooks, Paula; Geiler, Vicki; Gross, Gilad; Al-Hosni, Mohamad; Shenoy, Shalini

    2017-07-01

    Umbilical cord blood (UCB) is an important source of hematopoietic stem cells for transplantation especially in minority populations with limited chances of finding a histocompatible volunteer donor in the registry. UCB has the advantages of early availability, successful outcomes despite some histocompatibility mismatch, and low incidence of chronic graft-versus-host disease. Public cord blood banks that disseminate UCB products for transplant depend on voluntary donation at participating hospitals and obstetrical providers for collection. Using survey questionnaires, we evaluated attitudes toward UCB donation, the frequency of donation, and provider opinions on UCB collection in the greater St. Louis metropolitan area that caters to minority ethnicities in significant numbers. Our data suggest that nervousness and lack of information regarding the donation and utility of the product were ubiquitous reasons for not donating. Additionally, irrespective of age or level of education, women relied on healthcare providers for information regarding UCB donation. Providers reported primarily time constraints to discussing UCB donation at prenatal visits (54%). Of the interviewees, 62% donated UCB. Fallout due to refusal or preferring private banking was miniscule. These results suggest that dedicated personnel focused on disseminating information, obtaining consent, and collecting the UCB product at major hospitals can enrich cord blood banks especially with minority cords. Sustained and focused efforts could improve upon a relatively high wastage rate and ensure a robust supply of UCB products at local public banks. © 2017 Wiley Periodicals, Inc.

  17. 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...

  18. Contraction rate, flow modification and bed layering impact on scour at the elliptical guide banks

    Science.gov (United States)

    Gjunsburgs, B.; Jaudzems, G.; Bizane, M.; Bulankina, V.

    2017-10-01

    Flow contraction by the bridge crossing structures, intakes, embankments, piers, abutments and guide banks leads to general scour and the local scour in the vicinity of the structures. Local scour is depending on flow, river bed and structures parameters and correct understanding of the impact of each parameter can reduce failure possibility of the structures. The paper explores hydraulic contraction, the discharge redistribution between channel and floodplain during the flood, local flow modification and river bed layering on depth, width and volume of scour hole near the elliptical guide banks on low-land rivers. Experiments in a flume, our method for scour calculation and computer modelling results confirm a considerable impact of the contraction rate of the flow, the discharge redistribution between channel and floodplain, the local velocity, backwater and river bed layering on the depth, width, and volume of scour hole in steady and unsteady flow, under clear water condition. With increase of the contraction rate of the flow, the discharge redistribution between channel and floodplain, the local velocity, backwater values, the scour depth increases. At the same contraction rate, but at a different Fr number, the scour depth is different: with increase in the Fr number, the local velocity, backwater, scour depth, width, and volume is increasing. Acceptance of the geometrical contraction of the flow, approach velocity and top sand layer of the river bed for scour depth calculation as accepted now, may be the reason of the structures failure and human life losses.

  19. Wave basin model tests of technical-biological bank protection

    Science.gov (United States)

    Eisenmann, J.

    2012-04-01

    Sloped embankments of inland waterways are usually protected from erosion and other negative im-pacts of ship-induced hydraulic loads by technical revetments consisting of riprap. Concerning the dimensioning of such bank protection there are several design rules available, e.g. the "Principles for the Design of Bank and Bottom Protection for Inland Waterways" or the Code of Practice "Use of Standard Construction Methods for Bank and Bottom Protection on Waterways" issued by the BAW (Federal Waterways Engineering and Research Institute). Since the European Water Framework Directive has been put into action special emphasis was put on natural banks. Therefore the application of technical-biological bank protection is favoured. Currently design principles for technical-biological bank protection on inland waterways are missing. The existing experiences mainly refer to flowing waters with no or low ship-induced hydraulic loads on the banks. Since 2004 the Federal Waterways Engineering and Research Institute has been tracking the re-search and development project "Alternative Technical-Biological Bank Protection on Inland Water-ways" in company with the Federal Institute of Hydrology. The investigation to date includes the ex-amination of waterway sections where technical- biological bank protection is applied locally. For the development of design rules for technical-biological bank protection investigations shall be carried out in a next step, considering the mechanics and resilience of technical-biological bank protection with special attention to ship-induced hydraulic loads. The presentation gives a short introduction into hydraulic loads at inland waterways and their bank protection. More in detail model tests of a willow brush mattress as a technical-biological bank protec-tion in a wave basin are explained. Within the scope of these tests the brush mattresses were ex-posed to wave impacts to determine their resilience towards hydraulic loads. Since the

  20. 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...

  1. Assessment of Electronic Banking Service's Impact on the Economic Parameters of the Bank Activity

    Science.gov (United States)

    Kiselev, Sergey V.; Chernyavskaya, Yana S.; Bardasova, Eleonora V.; Galeeva, Gulnaz M.; Fazlieva, Elena P.; Krokhina, Julia A.

    2016-01-01

    The relevance of the study: The relevance of the research problem is conditioned by the intensification of innovative processes in modern economy and in the banking sector, in particular, as one of the most sensitive areas for innovation and innovative types of services and information and communication innovations today is one of the major…

  2. Sensitivity of spoiling and pathogen food-related bacteria to Origanum vulgare L. (Lamiaceae) essential oil

    OpenAIRE

    Souza,Evandro Leite de; Stamford,Tânia Lúcia Montenegro; Lima,Edeltrudes de Oliveira

    2006-01-01

    Origanum vulgare L. (oregano), Lamiaceae, has been known as plant specie with prominent biological properties for a long time. This study aimed to evaluate the antibacterial activity of Origanum vulgare essential oil on various Gram-positive and Gram-negative spoiling and/or pathogen food-related bacteria, as well as to observe its antimicrobial effectiveness in a food conservation micromodel. The results showed a strong antibacterial activity of the assayed essential oil noted by large growt...

  3. The external impacts of Central Bank independence Os impactos externos da independência dos Bancos Centrais

    Directory of Open Access Journals (Sweden)

    Carroll Howard Griffin

    2010-12-01

    Full Text Available The term "central bank independence" (or abbreviated, CBI can be broadly defined as the degree of freedom of the central bank to pursue monetary policy without interference from political considerations. The idea of central bank independence has been widely accepted over the last several decades by many countries around the world, both developed and developing. Since being first written about academically in the late 1980s, many countries have come to adopt this policy and many governments have come to recognize this as standard procedure. As such, many countries around the world granted autonomy to their central banks during the 1980s and 1990s. The majority of past studies have examined primarily the impact of central bank independence on inflation. however, the additional theoretical benefits are much more far reaching, the result of a more stable and prosperous macroeconomic environment. Additionally, there is only now sufficient data to empirically determine whether many of these claims are true. This study examines central bank independence in developing countries of Latin America and Asia as well as selected developed countries to determine what actual impact an autonomous central bank has had. It also examines such phenomena as financial crises (including the current global crisis of 2008-2009, inflation targeting, legal systems, country development and fiscal policy to determine the effects of these items on not only inflation, but the broad spectrum of macroeconomic outcomes. Although there is some empirical evidence to support the benefits of central bank independence, it is limited in scope to certain areas.O termo "independência do banco central" (ou IBC pode ser amplamente definido como o grau de liberdade que o banco central possui para seguir sua política monetária sem a interferência de considerações políticas. A ideia da independência do banco central foi aceita nas últimas décadas por muitos países ao redor do mundo

  4. Declining cost efficiency as a signal of increasing bank vulnerability: an entropy-based approach

    NARCIS (Netherlands)

    Balasubramanyan, L.; Stefanou, S.E.; Stokes, J.R.

    2010-01-01

    The mortgage crisis of 2007/08 has impacted the health of both small and large commercial banks in the financial services industry. The pressing question is how do regulators and bank monitors identify the warning signals of bank vulnerability and bank risk because of weakening credit and asset

  5. Customer Satisfaction and Competencies: an Econometric Study of an Italian Bank

    OpenAIRE

    Paola Gritti; Nicolai Foss

    2008-01-01

    We empirically address how customer satisfaction and loyalty in the banking industry may affect profitability. This helps to identify the strategy and competencies necessary to benefit from customer relationships which are important sources for improved performance in the banking. We do this by analyzing data collected on 2,105 customers of 118 branches of one of the biggest banks of an Italian banking group. We find that customer satisfaction impacts loyalty, which in turn has a direct effec...

  6. Self-Service Banking: Value Creation Models and Information Exchange

    Directory of Open Access Journals (Sweden)

    Ragnvald Sannes

    2001-01-01

    Full Text Available This paper argues that most banks have failed to exploit the potential of self-service banking because they base their service design on an incomplete business model for self-service. A framework for evaluation of self-service banking concepts is developed on the basis of Stabell and Fjeldstad's three value configurations. The value network and the value shop are consistent with self-service banking while the value chain is inappropriate. The impact of the value configurations on information exchange and self-service functionality is discussed, and a framework for design of such services proposed. Current self-service banking practices are compared to the framework, and it is concluded that current practice matches the concept of a value network and not the value shop. However, current practices are only a partial implementation of a value network-based self-service banking concept.

  7. MONETARY POLICY FORCE EFFECT BY MEANS OF BANKS MONEY CREATION

    Directory of Open Access Journals (Sweden)

    Victoria COCIUG

    2014-07-01

    Full Text Available In the context of modern economy, banks play an essential role for sustainable growth, by ensuring economy with financial resources and driving impulses of monetary policy to economy. Monetary authorities influence significantly the bank's ability to fulfill this role. Thus, to achieve macroeconomic objectives, there is promoted particular monetary policy and are implemented various practical regulations for banks. In this article, we want to identify the existing relationship between monetary policy followed by the authorities and the ability of banks to create money with its impact on various practical regulations.

  8. Factors Affecting Customers Adoption of Internet Banking in Pakistan

    Directory of Open Access Journals (Sweden)

    Samia Abbasi

    2017-06-01

    Full Text Available Unlike many developed countries, internet banking is a new phenomenon for Pakistani consumers as majority of banking customers seems to be fairly unfamiliar with different aspects of this service. This can be due to the diverse educational backgrounds, level of internet access, personal experiences and different socio-cultural backgrounds of customers. The present study looked at various factors influencing adoption of internet banking in Pakistan. The study used survey methodology with a sample of 250 individuals. Results of the research revealed reluctance to change has no significant impact on adoption of internet banking. On other hand access to internet, ease of use and security and privacy are found to be critical factors influencing adoption of internet banking. The results of the present study may facilitate policy makers and bank management to advance electronic banking services in Pakistan in a befitting manner. Lastly, managerial implications, study limitations and future research directions are provided.

  9. Can retail banking clients' attrition be managed?

    Directory of Open Access Journals (Sweden)

    Agaliotis Konstantinos

    2015-01-01

    Full Text Available The rurrο_e of all banks across the universe is to satisfy their clients' necessities. One of the predominant impacts of the last few years' financial crisis in Europe was the way in which customers interact with their banks. The theory of 'main bank' is not any more the case as clients' trust toward banks fades away together with their loyalty. Nowadays, it is necessary for banks to segment their clientele data base, and target the most profitable clients. The retention strategy of each financial institution becomes more and more important as the value of each retained customer is disproportional to the cost of acquiring a new one. The main findings of the subject retail banking clients' retention policy analysis prove that clients of different lifetime value have different propensity to defect. At the same time, the ability of a bank to retain a potential defector does not depend directly on satisfying the defection reason. Many of the various bank counter offers which do not directly satisfy the reason that a client refers to as the 'defection' one, are enough in order to retain a client. Equally important to the identification of clients' behavioural patterns is the use of the subject findings on behalf of the retail oriented banks in order to predict accurately the cost of future defection, as well as, to incorporate one more measurable parameter in their credit risk scorecards i.e. the intention to increase credit exposure.

  10. ESSENCE OF ACTIVE OPERATIONS OF COMMERCIAL BANKS

    Directory of Open Access Journals (Sweden)

    Malinovskaya Irina

    2018-01-01

    active operations by a commercial bank will be considered effective if, in the course of these operations, it receives a stable profit. Balanced growth of assets and improvement of their quality is a prerequisite for achieving and maintaining the stable functioning and development of commercial banks and their positive impact on the development of the Ukrainian economy.

  11. 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.

  12. Does the European financial stability bail out sovereigns or banks : An event study

    NARCIS (Netherlands)

    Horváth, Bálint; Huizinga, Harry

    2015-01-01

    On May 9, 2010 euro zone countries announced the creation of the European Financial Stability Facility. This paper investigates the impact of this announcement on bank share prices, bank credit default swap (CDS) spreads, and sovereign CDS spreads. The main private beneficiaries were bank creditors.

  13. Lead contamination in a wetland watershed: isotopes as fingerprints of pollution

    International Nuclear Information System (INIS)

    Marcantonio, F.; Flowers, G.C.; Templin, N.

    2000-01-01

    The Pb-isotope composition of soils and sediments has been measured from both highly contaminated and non-contaminated regions of Bayou Trepagnier, a bayou in southern Louisiana that has had oil refinery effluent discharged into it over the past 66 years. Spoil banks created by the dredging of the bayou bottom approximately 50 years ago are the main source of contamination within the ecosystem. The 206 Pb/ 207 Pb isotope composition of the contaminant is relatively constant averaging 1.275±0.008. A literature search reveals that such radiogenic values are typical of ores from southeastern Missouri. When surficial soil 206 Pb/ 208 Pb and 206 Pb/ 207 Pb isotope ratios are plotted against each other, a straight line is defined (r 2 =0.99). The linear correlation suggests mixing between Pb from the spoil banks and Pb from a natural source. The latter source may consist of Pb in soil that has been leached of its natural radiogenic component during weathering processes. Mixing calculations indicate that transport of contaminant Pb is widespread and occurs several hundred meters from the spoil banks. Despite the low Pb concentrations of some of the soils, the isotope data demonstrate that a significant amount of the Pb is derived from the pollutant source. (orig.)

  14. THE IMPACT OF GLOBAL ECONOMIC CONTRACTION TOWARDS LENDING BEHAVIOR OF BANKS IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rizky Yudaruddin

    2017-03-01

    Full Text Available The global financial crisis of 2008 that hit many countries had become an important concern, especially thebanking industry in Indonesia. This was because first, the experience of the economic crisis of 1997-1998.Second, the nature of the crisis could spread to other countries. So this study aimed to examine empirically theimpact of the global economic contraction on the behavior of bank credit in Indonesia. Using panel data sourcefrom the Word Bank and Bank Indonesia Year 2004-2012, the data were analyzed with Dynamic Panel Datausing E-views program 8. The results showed that the global economic contraction had a significant effect onthe behavior of credit in foreign and joint venture banks in Indonesia in 2004-2012.

  15. The application of social responsibility in Jordanian banks and its impact on the competitive feature from the point of view of banks’ employees

    Directory of Open Access Journals (Sweden)

    Morad Khaled Radaideh

    2015-10-01

    Full Text Available The study aims to identify the reality of the application of social responsibility in Jordanian banks, and its impact on competitive advantage. It also seeks to determine the most important pillars of the Jordanian banks that facilitate the success of social responsibility with a view to achieve its objectives in favor of the related parties. This happens through trying to identify the extent of the application of social responsibility within the nine following dimensions: community, environment, customers, employees, shareholders, government, suppliers, competitors, minorities and people with special needs. In order to achieve that, the researchers selected a random sample of 170 employees of the study population and the bank employees in the scope of various aspects of their work. Questionnaires were also distributed to managers of banks directorates and branches; they included 45 paragraphs about social responsibility and 16 paragraphs about competitive advantage. Data were integrated into the computer and processed using SPSS statistical program. The study concluded that social responsibility is a subject of interest, along with competitive advantage for banks. It also found out that there is a relationship between social responsibility and competitive advantage among directorates and branches under study.

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

    Science.gov (United States)

    Royles, Jessica; Griffiths, Howard

    2015-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Bogdan Florin FILIP

    2017-12-01

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

  18. Stream bank and sediment movement associated with 2008 flooding, South Fork Iowa River

    Science.gov (United States)

    Stream bank erosion can cause substantial damage to riparian systems and impact the use of water downstream. Risks of bank erosion increase during extreme flood events, and frequencies of extreme events may be increasing under changing climate. We assessed bank erosion within the South Fork Iowa Riv...

  19. Central Bank Independence, Transparency and Accountability Indexes: a Survey

    Directory of Open Access Journals (Sweden)

    Dumiter Florin Cornel

    2014-06-01

    Full Text Available Recently, the remarkable trend upon central bank independence and the efficient monetary policy were seriously highlighted in the monetary economics field. Starting from 1990s’ central bank independence was at the core of policy making and central banking problems, because of the widespread economical, political, personal and budgetary autonomy of the central bank. Nowadays, we can observe an increasing trend upon central bank transparency, for evaluating more accurate the central bank’s performances by the wide public, mass-media and financial markets. Consequently, a central bank must encompass a high degree of accountability and responsibility, because of the final liability in case of failure. In this paper we present, analyze and assess the construction of the most important indices regarding central bank independence, transparency and accountability in a chronological manner, presenting also the advantages and disadvantages of these indices related to actual practices of central banks. Moreover, we analyze the analytical results of the empirical testing of these indices with a considerable impact upon the developed and developing country group. In regard with the empirical results of different authors, we suggest the importance and the necessity for constructing an aggregate index for measuring central bank independence, transparency and accountability, based on de jure stipulations and the actual practices of the central banks.

  20. THE IMPACT OF NEW REGULATION ON FOUR EUROPEAN BANKING SYSTEMS. A BASEL III APPROACH

    Directory of Open Access Journals (Sweden)

    Anamaria AVADANEI

    2013-12-01

    Full Text Available One of the solutions designed to rebuild the banking system is the reconfiguration of the regulatory framework. Still active, the episodes of liquidity shortage and bank failure ask for solid measures in order to increase the solidity of individual institutions, to protect the financial stability of the banking systems and to maintain confidence on the markets. The aim of this paper is to analyze the situation of four European banking systems (Czech Republic, Poland, Romania and Croatia in terms of Basel III standards. Structured on three parts, the study points out the real concerns regarding Basel III effectiveness; analyzes the evolutions of capital, leverage and liquidity indicators and highlights the future possible scenarios/actions for aligning to the new regulation. To conclude, we determine the white and the black spots of the selected banking systems related to Basel III implementation. The results show good levels of capital in Poland, Czech Republic, Croatia and Romania, and some liquidity issues in Poland. The Czech and the Croatian banking systems are the best prepared for shocks.

  1. Corporatisation, Global Banking Impact on the Australian Education System: Reflecting on Care.

    Science.gov (United States)

    Balon-Rotheram, Auston

    Trends, such as a massive increase in globalization, neo-liberalization, and economic rationalization, have been supported and directed by major governments and major financial institutions, such as the World Bank and the International Monetary Fund (IMF). The pact between the World Bank and the IMF has created an economic juggernaut that is…

  2. PENGARUH INTERNET BANKING, KUALITAS LAYANAN, REPUTASI PRODUK, LOKASI, TERHADAP LOYALITAS NASABAH DENGAN INTERMEDIASI KEPUASAN NASABAH

    Directory of Open Access Journals (Sweden)

    ADINOTO NURSIANA

    2015-12-01

    Full Text Available Customer loyalty is one of the important factor that affect the growth of the bank.  This research examined  the effect of internet banking, service quality, reputation, product, and location  on customer loyalty with the intermediation  customer satisfaction. As analycal tool in this research is using software LISREL 8.80.Result from  this research. first, internet banking has a negative and not significant impact on customer satisfaction and customer layalty,  second, service quality, reputation, product, and location  have a positif and significant impact on customer satistaction, but its have a negative and not significant impact on customer layalty, third, customer satisfaction has a negative and not significant impact on customer loyalty.  So as to enhance customer loyalty, banks need to provide the best relationship between bank’s marketer and customer.

  3. SURVEY OF DEMAND AND SUPPLY BALANCE IN LOAN MARKETS: CENTRAL BANK'S EXPERIENCE

    Directory of Open Access Journals (Sweden)

    S. Naumenkova

    2014-09-01

    Full Text Available This article examines the existing Bank Lending Survey (BLS approaches to the assessment of the non-price lending conditions' impact on the credit market balance. BLS responses provided domestic central banks an early and reliable signal about the deterioration of financing conditions and the financial access. The monitoring pattern stipulate by using the core indicators: net percentage, diffusion index, Bank Lending Tightness (BLT. The priority tasks for National Bank of Ukraine for Bank Lending Survey were put forward by author. Senior Loan Officer Opinion Survey (SLOOS on Bank Lending Practices address changes in the supply of, and demand for, bank loans to businesses and households over the past months.

  4. 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 ...

  5. 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...

  6. 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...

  7. Can banks offer digital keys for health care?

    Science.gov (United States)

    Casillas, John

    2013-01-01

    In the quest to implement electronic health care records, health care stakeholders have uncovered an elephant in the room - how to implement patient identity and integrity solutions. Without this, linking the unique records of an individual is impossible. An inaccurate record can be dangerous for prescribing treatment. Yet many consider a unique patient identifier as an unacceptable privacy risk. Medical banking, or the convergence of banking and heath IT systems, is spawning new ideas that could impact on this difficult area. This article suggests that new forms of efficiency in payment processing may yield a common, cross-industry technology platform for managing digital identity by banks. Redefining a bank based on core competencies, the article looks at three areas: (1) the "identity theft arms race"; (2) innovations in payment processing; and (3) consumer engagement, and suggests that, as banking and health care systems converge, digital identity may become the new money. This realization may find banks fully engaged in helping health care to overcome the challenge of patient identity and integrity.

  8. IMPROVING BANK QUALITY DIMENSIONS TO INCREASE CUSTOMER SATISFACTION

    Directory of Open Access Journals (Sweden)

    Lăcrămioara RADOMIR

    2011-01-01

    Full Text Available The purpose of this study is twofold: 1. examine the relationship betweenservice quality dimensions and customer satisfaction with bank territorialunits; 2. establish which quality measure method out of the four considered inthis study should be applied in order to better determine the areas that needfurther improvement and investment. In this respect, we performed PrincipalComponent Regression (PCR and considered direct importance andperformance measures as well. Our results reveal that human resourceshave the greatest impact on customers’ satisfaction with bank territorial unitsand that both “Convenience and Efficiency” and “Bank personnel” are thedimensions that bank management should consider in their efforts to improveand maintain the service quality level. To the best of our knowledge, this isthe first study which tries to emphasize the relationship between servicequality dimensions and Romanian customers’ satisfaction with bank territorialunits. The main limit of the study lies in the fact that data were collectedamong the customers of a single bank. Nevertheless, it provides valuableinformation about the Romanian market and ought to be considered astarting point for further studies.

  9. The Roles of Corporate Governance in Bank Failures during the Recent Financial Crisis

    NARCIS (Netherlands)

    Berger, A.N.; Imbierowicz, B.; Rauch, C.

    2012-01-01

    Abstract: This paper analyzes the roles of corporate governance in bank defaults during the recent financial crisis of 2007-2010. Using a data sample of 249 default and 4,021 no default US commercial banks, we investigate the impact of bank ownership and management structures on the probability of

  10. Islamic Banking in Global Economic Context (Critical Studies of Operational System and Performance of Islamic Banking

    Directory of Open Access Journals (Sweden)

    Jamal Abdul Aziz

    2018-01-01

    al-mu’âmalah, the abolition of interest, and the rejection of unlawful business practices. Moreover, the Islamic bank is no different from conventional banks. The impact of such less substantial and comprehensive islamization is the perception that Islamic bank is precisely 'shackled' by the concepts underlying classical fiqh, where it tends to be counter-productive with modern business trends which are constantly demanding efficiency and flexibility. In order to remain able to survive in the future, Islamic banks need to evaluate itself continuously by always open to criticism addressed to them. The conception of Islamic banking oriented too much to the doctrine must be balanced with an awareness of the facts and the demands of modern business, both local and global scale. While the ideals of the Islamic ideal, such as the eradication of poverty, equitable distribution of wealth and job creation, should remain the main orientation.

  11. 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...

  12. 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 ...

  13. 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...

  14. 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...

  15. The Future of Banking: From Scale & Scope Economies to Fintech

    OpenAIRE

    Boot, A.W.A.

    2017-01-01

    Information technology plays a leading role in the transformation of banking. The deepening of financial markets has profoundly affected the business of banking. The recent focus on fintech – basically, new technology-driven players entering the financial services industry – is the latest manifestation of the impact of information technology on the industry. This paper will focus on the structure of the banking industry going forward. We will try to draw lessons from the (older) literature on...

  16. 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-...

  17. 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...

  18. 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

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

    OpenAIRE

    Alimuddin Rizal Rivai; Wahyudi Wahyudi

    2016-01-01

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

  20. The Impact of New Technology on Skills and Skill Formation in the Banking and Textile Industries. NCEE Brief Number 1.

    Science.gov (United States)

    Bailey, Thomas; Noyelle, Thierry

    The subject of this report is the impact of microelectronic technology on the process of skill formation with particular reference to two industries: banking and textiles. A recent research effort sought to identify and understand how changes in the structure and nature of skills were affecting the process of skill formation and the balance of…

  1. A Behavioural Model of E-Banking Usage in Italy

    Directory of Open Access Journals (Sweden)

    Guendalina Capece

    2013-06-01

    Full Text Available E‐banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. “Pure online” banks are characterized by the absence of physical windows and front‐office personnel. Traditional banks are still integrating traditional distribution channels with online ones; the scenario is therefore still evolving over time. Despite the intrinsic potentialities, Italy is far from being a leader in the usage of innovative online instruments in the banking system and will struggle with new innovation waves. In this paper, we measure the potential effective ebanking usage. Furthermore, we investigate the behaviour of users and adopters, identifying the major causes influencing satisfaction and usage and the impact of these different causes on the intensity of utilization. The analysis is based on a panel of 495 real users, thus allowing the profiling of the Italian adopter to discover the causes of usage and outline strategies for the growth of e‐banking services in Italy.

  2. IMPLEMENTATION OF BASEL III IN THE EUROPEAN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Ioana Sbarcea

    2015-06-01

    Full Text Available In this work, which is part of a larger research project aimed at the expected impact of Basel III on commercial banks in Romania, I decided to analyse the implementation and transposition of the new international prudential requirements into European regulations, which are of particular interest for the Romanian banking sector. I started this analysis by highlighting the peculiarities of the European banking sector at aggregate level, but also as a cross-country survey, to later highlight the views of European regulations on prudential supervision and differences to international regulations.

  3. 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....

  4. The influence of currency risk upon the market value of commercial banks operating in the Polish banking sector

    Directory of Open Access Journals (Sweden)

    Zbigniew Korzeb

    2016-09-01

    Full Text Available The objective of the paper is to analyse the impact of the Swiss Nati onal Bank’s decision to introduce the floating exchange rate of the franc on January 15th, 2015, upon the market value of commercial banks operatingin the Polish banking sector. The analysis involved twelve commercial banks quoted on the Warsaw Stock Exchange. The results are inconclusive. The predicted reducti on of the banks’ market value was less significant than indicated by market investors’ reaction on the day after the announcement of the decision to introduce the floating exchange rate of the franc. The banks most prone to granting credit denominated in CHF did experience the largest reducti on of their share quotations. However, the Pearson product-moment correlation coefficient calculated for the correlation between the average cumulative abnormal returns on shares for the entire analysed sample, and the proportion of credits denominated in Swiss francs in the total credit portfolio, indicated only a moderate correlation between both variables.

  5. IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES

    Directory of Open Access Journals (Sweden)

    Victoria COCIUG

    2015-07-01

    Full Text Available The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives.

  6. Systemic risk and heterogeneous leverage in banking networks

    Science.gov (United States)

    Kuzubaş, Tolga Umut; Saltoğlu, Burak; Sever, Can

    2016-11-01

    This study probes systemic risk implications of leverage heterogeneity in banking networks. We show that the presence of heterogeneous leverages drastically changes the systemic effects of defaults and the nature of the contagion in interbank markets. Using financial leverage data from the US banking system, through simulations, we analyze the systemic significance of different types of borrowers, the evolution of the network, the consequences of interbank market size and the impact of market segmentation. Our study is related to the recent Basel III regulations on systemic risk and the treatment of the Global Systemically Important Banks (GSIBs). We also assess the extent to which the recent capital surcharges on GSIBs may curb financial fragility. We show the effectiveness of surcharge policy for the most-levered banks vis-a-vis uniform capital injection.

  7. 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...

  8. 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...

  9. 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...

  10. 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.

  11. Spoiling of radiation zeros at the one-loop level and infrared finiteness

    International Nuclear Information System (INIS)

    Laursen, M.L.; Samuel, M.A.; Sen, A.

    1983-01-01

    We consider the amplitude for the radiative decay W - →phi 1 phi 2 #betta# (scalar quarks) including one-loop gluon corrections. We study this process to see if the amplitude (radiation) zeros found in lowest order survive at the one-loop level. The subset of diagrams containing self-mass insertions preserves the zero. Seagull types are shown to have a violation which is similar to kappanot =1. Triangle and box diagrams spoil the zeros as they do in the case of a scalar W. However, the amplitude is completely free of any mass singularities in the classical null zone. We conjecture that this will remain true for spin-(1/2) quarks

  12. Risks and benefits from using mobile banking in an emerging country

    Directory of Open Access Journals (Sweden)

    Onneile Juliet Ntseme

    2016-11-01

    Full Text Available An emerging countries banking service providers are eager to implement new technologies and services in order to grasp, penetrate the market and gain competitive advantage. The banks made use of technology by introducing new products such as mobile banking, but customers are not really adopting this new banking model provided as a result some challenges. Then, the overall objective of this study is to explore the risks and benefits on acceptance and usage of mobile banking by users in emerging countries. Also, to identify whether the independent variables are statistically significant factors in the adoption of mobile banking. The research established the effect of independent variables, which include perceived usefulness, and perceived ease use on dependent variables, i.e. the adoption of mobile banking. In the findings it was found that participants would use mobile banking if it is easy to use because then it will be useful to them. Conclusions were made that perceived ease of use of mobile banking positively affect perceived usefulness of mobile banking, perceived ease of use of mobile banking positively affect the behavioral intention to use mobile banking while perceived usefulness of mobile banking has a positive impact on the behavioral intention to use mobile banking

  13. 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.

  14. Ethical Issues in Transnational Eye Banking.

    Science.gov (United States)

    Martin, Dominique E; Kelly, Richard; Jones, Gary L A; Machin, Heather; Pollock, Graeme A

    2017-02-01

    To review ethical issues that may arise in the setting of transnational eye banking activities, such as when exporting or importing corneal tissue for transplantation. A principle-based normative analysis of potential common dilemmas in transnational eye banking activities was performed. Transnational activities in eye banking, like those in other fields involving procurement and use of medical products of human origin, may present a number of ethical issues for policy makers and professionals. Key ethical concerns include the potential impact of export or import activities on self-sufficiency of corneal tissue supply within exporting and importing countries; potential disclosure requirements when obtaining consent or authorization for ocular tissue donation when donations may be exported; and difficulties inherent in assuring equity in the allocation of tissues available for export and in establishing and respecting standards of safety and quality across different jurisdictions. Further analysis of specific ethical issues in eye banking is necessary to inform development of guidelines and other governance tools that will assist policy makers and professionals to support ethical practice.

  15. Correlates of Success in World Bank Development Policy Lending

    OpenAIRE

    Moll, Peter; Geli, Patricia; Saavedra, Pablo

    2015-01-01

    This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

  16. A model of customer loyalty in the retail banking market

    Directory of Open Access Journals (Sweden)

    Hadi Hajiyan

    2016-04-01

    Full Text Available During the past two decades, there has been growing trend in Iranian banking industry due to change in banking regulations. Private sector has grown rapidly and there have been several new banks on the market, which has created very competitive market. Therefore, customer loyalty is the key factor for running a successful banking business and customer relationship management (CRM appears to be important for the success in this industry. The primary objective of this paper is to investigate the relationship between CRM and customer loyalty in one of the oldest Iranian banks named Bank Melli Iran. The proposed study prepares a questionnaire in Likert scale and distributes it among some regular customers of this bank. The preliminary results of this survey have indicated that consumer’s gender, age and educational background had no meaningful impact on quality of services. In other words, people with different personal characteristics expect the same quality of services from banking industry and there is a positive and meaningful relationship between quality of services and customer loyalty.

  17. Determining Factors of Deposit Level of Islamic Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Sofyan Baehaqie

    2017-05-01

    Full Text Available One Way to maintain the stability of banking industry is by applying the deposit insurance scheme. The application of the deposit insurance scheme has an impact by increasing the level of bank deposits. The objectives of the research are to identify the factors affecting the level of deposits of Islamic banks in Indonesia and managerial implications regarding to the functions of Indonesia Deposit Insurance Corporation (LPS. The technique used is the panel data regression with fixed effect model using the data from the 11 Islamic banks for the period of 2011 -2015. The results show that the factors affecting the level of deposits of the Islamic banks in Indonesia significantly and positively include the size of banks and their non-performing financing (NPF; however, they influence the capital negatively. Based on these results, LPS is required to build or sharpen the surveillance systems as part of its early detection by doing the mapping based on the size and to monitor the bank capital structure and bank finance portfolio structure.DOI: 10.15408/aiq.v9i2.5156

  18. Does business regulation matter for banks in the European Union?

    OpenAIRE

    Kalyvas, Nikolaos Antonios; Mamatzakis, Emmanuel

    2014-01-01

    This paper provides a comprehensive analysis of the impact of business and financial specific regulations on banks in the EU-27 over the 2004–2010 period. We employ a dataset of a wide range of business regulation indices from the “Doing Business” project of the World Bank. Results for the credit regulation indices show that the strength of creditor rights is negatively related to bank performance as measured by cost efficiency, although this effect subdues during the recent crisis period (20...

  19. Danske Banks kommunikation gennem finanskrisen - et forsøg på imagegenoprettelse

    OpenAIRE

    Jørgensen, Steffie Hede

    2012-01-01

    Abstract The thesis in hand regards Danske Bank’s communication through the crisis. The crisis impacted Danske Bank at September the 15th 2008, which induced loss of liquidity. The bank was subsequently accused of composing inferior credit ratings and to be a greedy and harsh bank. It resulted in a historic decline of Danske Bank’s image. Consequently, this thesis seeks to answer following research question: How did Danske Bank communicate through the crisis and how suitable is their strategy...

  20. The impact of the originate-to-distribute model on banks before and during the financial crisis

    OpenAIRE

    Richard J. Rosen

    2010-01-01

    The growth of securitization made it easier for banks to sell home mortgage loans that they originated. I explore how mortgage sales affected banks in the years leading up to the financial crisis that began in 2007 and how their pre-crisis mortgage sales affected banks during the crisis. Loan sales are important because most banks sell mortgages as part of the securitization process, but few actually do the securitization. I find that stock returns increase when banks increase sales of mortga...