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. 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

  4. 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.

  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. 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

  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. 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.

  10. 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.

  11. 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.

  12. 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

  13. 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

  14. Interaction of arbuscular mycorrhizal fungi and rhizobia: Effects on flax yield in spoil-bank clay

    Czech Academy of Sciences Publication Activity Database

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

    2011-01-01

    Roč. 174, č. 1 (2011), s. 128-134 ISSN 1436-8730 R&D Projects: GA MŠk 1M0571 Institutional research plan: CEZ:AV0Z60050516 Keywords : Linum usitatissimum * Glomus * Sinorhizobium Subject RIV: EF - Botanics Impact factor: 1.596, year: 2011

  15. 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.

  16. 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.

  17. 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...

  18. 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.

  19. 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...

  20. 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

  1. 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.

  2. 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.

  3. 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.

  4. 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...

  5. 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...

  6. 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

  7. 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

  8. 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

  9. 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.

  10. 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 ...

  11. 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

  12. 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

  13. 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.

  14. 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.

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

    Czech Academy of Sciences Publication Activity Database

    Gryndler, Milan; Sudová, Radka; Püschel, David; Rydlová, Jana; Janoušková, Martina; Vosátka, Miroslav

    2008-01-01

    Roč. 99, - (2008), s. 6391-6399 ISSN 0960-8524 R&D Projects: GA MŠk 1M0571 Institutional research plan: CEZ:AV0Z50200510; CEZ:AV0Z60050516 Keywords : compost * lignocellulose papermill waste * cannabis sativa Subject RIV: EE - Microbiology, Virology Impact factor: 4.453, year: 2008

  16. Long-term tracing of Rhizophagus irregularis isolate BEG140 inoculated on Phalaris arundinacea in a coal mine spoil bank, using mitochondrial large subunit rDNA markers

    Czech Academy of Sciences Publication Activity Database

    Sýkorová, Zuzana; Börstler, B.; Zvolenská, Soňa; Fehrer, Judith; Gryndler, Milan; Vosátka, Miroslav; Redecker, D.

    2012-01-01

    Roč. 22, č. 1 (2012), s. 69-80 ISSN 0940-6360 R&D Projects: GA MŠk 1M0571; GA ČR GPP504/10/P021 Institutional research plan: CEZ:AV0Z60050516; CEZ:AV0Z50200510 Keywords : Rhizophagus irregularis * inoculation * isolate tracing Subject RIV: EF - Botanics Impact factor: 2.955, year: 2012

  17. 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....

  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. 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,

  20. 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.

  1. 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 ...

  2. 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

  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. 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.

  5. Mathematical modelling of transport of gaseous and liquid substances induced by pyrite oxidation in spoil banks of lignite mines; Mathematische Modellierung der durch Pyritoxidation induzierten Stofftransporte in Braunkohleabraumkippen in gasfoermiger und fluessiger Phase

    Energy Technology Data Exchange (ETDEWEB)

    Ludwig, R.

    2001-07-01

    Pyrite (FeS{sub 2}) oxidation due to open-pit lignite mining activities may result in acid mine drainage and dissolved metals in the soil and ground water of the overburden spoil piles. The pyrite oxidation takes place firstly during the mining process and at the temporary surfaces of the mine, secondly in deep zones of the overburden spoil pile as a result of gas transport through the unsaturated zone. The second process continues after mine closure possibly over several decades and therefore contaminates the environment for a long time. Whereas some studies deal with a minimisation by geochemical means, this research focuses on a minimisation by impacting the physical boundary conditions. Special attention is given to the transport of oxygen from the soil surface to the pyrite oxidation zone. Soil column experiments with columns of 2.90 m height yield experimental data concerning the pyrite oxidation and the related transport processes in the unsaturated zone. Experimental data are compared to simulation results obtained with the model MUSIC; it calculates coupled reaction and transport processes in a one-dimensional soil profile using the finite volume method. Pyrite oxidation is described by means of a first order kinetics, the gas transport takes place by diffusion as well as convection. The transport of solutes in the soil water is described by the convection-dispersion equation (Cl{sup -}, Fe{sup 2+} and SO{sub 4}{sup 2-}). The simulations are able to reproduce the measured time series of oxygen concentrations in the soil profile. (orig.) [German] Die durch Braunkohlegewinnung im Tagebau hervorgerufene Pyritoxidation (Pyrit: FeS{sub 2}) kann zu Versauerung, Schwermetallfreisetzung und Aufmineralisierung des Boden- und Grundwassers in den Abraumkippen fuehren. Die Pyritoxidation findet zum einen waehrend des Abbaubetriebs und an den temporaeren Oberflaechen des Tagebaus statt, zum anderen in tieferen Bereichen der Abraumkippe durch Gastransport durch die

  6. 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.

  7. 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

  8. 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.

  9. 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.

  10. 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.

  11. 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

  12. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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

  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. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

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

  20. 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...

  1. 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...

  2. 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 ...

  3. 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...

  4. 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.

  5. 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.

  6. 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.

  7. 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

  8. 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.

  9. 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

  10. 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

  11. 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...

  12. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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

  17. 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...

  18. 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...

  19. 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.

  20. 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...

  1. 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...

  2. 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.

  3. 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,...

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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

  9. 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...

  10. 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.

  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 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.

  13. 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…

  14. The Impact of Bank and Stock Market Developments on Economic ...

    African Journals Online (AJOL)

    Key Words: Zimbabwe, financial development, bank developments, economic growth, stock ... BOJE: Botswana Journal of Economics. 74 ... data for the sample period 1988-2012 was used in the analysis. ...... Quantitative Economics, Vol.

  15. 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....

  16. 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).

  17. 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.

  18. 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.

  19. 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.

  20. 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.

  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. 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

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. The impact of groundwater level on soil seed bank survival

    NARCIS (Netherlands)

    Bekker, RM; Oomes, MJM; Bakker, JP

    Seed longevity of plant species is an important topic in restoration management, and little is known about the effects of environmental conditions on seed survival and longevity under natural conditions. Therefore, the effect of groundwater level on the survival of seeds in the soil seed bank of a

  8. 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...

  9. 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%.

  10. 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

  11. 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.

  12. 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...

  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 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.

  15. 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

  16. Potential health impacts of burning coal beds and waste banks

    Science.gov (United States)

    Finkelman, R.B.

    2004-01-01

    Uncontrolled release of pollutants from burning coal beds and waste banks presents potential environmental and human health hazards. On a global scale, the emissions of large volumes of greenhouse gases from burning coal beds may contribute to climate change that alters ecosystems and patterns of disease occurrence. On regional and local scales, the emissions from burning coal beds and waste banks of acidic gases, particulates, organic compounds, and trace elements can contribute to a range of respiratory and other human health problems. Although there are few published reports of health problems caused by these emissions, the potential for problems can be significant. In India, large numbers of people have been displaced from their homes because of health problems caused by emissions from burning coal beds. Volatile elements such as arsenic, fluorine, mercury, and selenium are commonly enriched in coal deposits. Burning coal beds can volatilize these elements, which then can be inhaled, or adsorbed on crops and foods, taken up by livestock or bioaccumulated in birds and fish. Some of these elements can condense on dust particles that can be inhaled or ingested. In addition, selenium, arsenic, lead, tin, bismuth, fluorine, and other elements condense where the hot gaseous emissions come in contact with ambient air, forming mats of concentrated efflorescent minerals on the surface of the ground. These mats can be leached by rainwater and washed into local water bodies providing other potential routes of exposure. Although there are little data linking burning coal beds and waste banks to known health problems, a possibly analogous situation exists in rural China where mineralized coal burned in a residential environment has caused widespread and severe health problems such as fluorosis and arseniasis. ?? 2004 Elsevier B.V. All rights reserved.

  17. 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.

  18. 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.

  19. 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.

  20. 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.

  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. 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

  3. 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.

  4. 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.

  5. 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.

  6. 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...

  7. 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-.

  8. 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

  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. 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…

  11. 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)

  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. 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...

  14. 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.

  15. 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...

  16. 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.

  17. 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.

  18. 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.

  19. 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

  20. 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

  1. 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.

  2. 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

  3. 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.

  4. Banking Consolidation Process and Impact to Financial Stability

    Directory of Open Access Journals (Sweden)

    Lina Novickytė

    2011-03-01

    Full Text Available Globalization promotes financial market participants to seek opportunities for efficient management of available resources and maximize benefits. In recent years, took place in the con­solidation process is mainly due to both macroeconomic and microeconomic factors. Most often leads to consolidation pro­cesses in order to gain economies of scale, market power and X-efficiency. Market consolidation and financial sector stability studies have shown that concentrated financial intermediaries market have a negative impact on the region/country/sector financial stability. In the future countries and regions (EU must find ways and means to smoothly manage the inevitable process of globalization under the supervision of future merger transac­tions in order to guarantee the efficiency and sustainability of the financial sector. Article in Lithuanian

  5. 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.

  6. 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...

  7. [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.

  8. 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

  9. 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 ...

  10. 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”.

  11. 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.

  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. 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...

  14. 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...

  15. 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...

  16. 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

  17. 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.

  18. 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

  19. 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.

  20. 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.

  1. 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...

  2. 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.

  3. 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.

  4. 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

  5. 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

  6. 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 ...

  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 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

  9. 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

  10. 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.

  11. 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

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

    OpenAIRE

    Maria, Psillaki; Eleftheria, Georgoulea

    2016-01-01

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

  13. 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.

  14. 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.

  15. 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.

  16. 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

  17. THE IMPACT OF IFRS ADOPTION ON EARNINGS MANAGEMENT IN BANKING COMPANIES IN INDONESIA STOCK EXCHANGE

    Directory of Open Access Journals (Sweden)

    Prima Santy

    2016-12-01

    Full Text Available The issue of the IFRSadoption as a standard that can lead to a reduction of earnings management. The research aimed to give empirical evidence concerning the impact of the IFRS adoption on earnings management, and the test of the difference level of earnings management between before and after the IFRS adoption. The research scope focused on the implementation of IFRS adoption particularly in PSAK No. 50 and PSAK No. 55 (revised 2006 concerningfinancial instruments. The research objects were the banking companies listed in Indonesia Stock Exchange for 4 years (2008-2011, i.e. as many as 23 banks. Samples were taken by using the purposive sampling technique. The main variables in this research are IFRS and earnings management,and includes several control variable, among others are, size, financial leverage, market to book value and institutional investors. The data were analyzed usingmultiple regression analysis and different t-test analysis. The research result indicates that the IFRS adoption has not effect the decreaseon the earnings management.Among the four control variables, the variable institutional investor is found not to have theeffect on earnings management, whereas the other three variables haveeffect.The result of the different t-test analysis also indicates that statistically there is not significant difference on the level of the earnings management between before and after IFRS adoption. Thus, based on this study concluded that the adoption of IFRS still allow for the occurrence of earnings management.

  18. 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

  19. The impact of the new regulatory paradigm on the role of banks in financing the economy

    OpenAIRE

    Barut, M.-L.; Rouillé, N.; Sanchez, M.

    2015-01-01

    The financial crisis exposed the weaknesses and excesses of the banking system, notably its growing reliance on short-term market financing, excessive levels of leverage, and the fact that many banks were conducting high-risk market activities alongside retail banking activities. In 2009, in reaction to the crisis, regulatory authorities embarked on an ambitious agenda of reforms to financial regulations, aimed at cleaning up and reinforcing the banking system and ensuring it can meet the cre...

  20. 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...

  1. 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

  2. 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

  3. 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.

  4. 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...

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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...

  10. 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.

  11. 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.

  12. 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…

  13. 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

  14. 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.

  15. 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...

  16. 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.

  17. 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...

  18. GATS Impacts on Entry Modes and Defensive Marketing Strategies in the Egyptian Banking Sector

    OpenAIRE

    Lotayif, Mansour Salman Mohamad Abdel-Maguid

    2004-01-01

    This research examines the effects of GATS agreements, both on entry modes and defensive marketing strategies in the Egyptian banking sector. The research population is the Egyptian banking sector, employing a total of 83179, from which a representative sample (equal to 800 responses) was selected. As the research aims are diversified, this sample was divided into two main groups i.e. local banks and foreign branches, investigated using different questionnaires. The latter popu...

  19. Impact Of The Customer Relationship Management Practices On The Profitability Of Uae Banks. A Comparative Study

    OpenAIRE

    Agnihotri, Dr Mahesh; Bhavani, Dr.M. Ganga

    2015-01-01

    Customer Relationship Management (CRM) is a business strategy where by banks builds strong relationships with existing and prospective customers with the goal of increasing organizational profitability. Customer Relationship Management (CRM) Practices provide a competitive edge to any organization including the Banking Sector, this research is an attempt to study the Customer Relationship Management (CRM) Practices in UAE Banks with certain objectives i.e to examine the existing Customer Rela...

  20. 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.

  1. 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.

  2. 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.

  3. 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

  4. 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

  5. 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

  6. 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.

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

    NARCIS (Netherlands)

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

    2017-01-01

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

  8. 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…

  9. The impact of switching capacitor banks with very high inrush current on switchgear

    NARCIS (Netherlands)

    Smeets, R.P.P.; Wiggers, R.; Bannink, H.; Kuivenhoven, S.; Chakraborty, S.; Sandolache, G.

    2012-01-01

    Capacitor banks are installed in an increasing number in order to control power quality issues in the transmission and distribution networks. Due to load fluctuation, switching of capacitor banks is normally a daily operation. Although the current to be switched (e.g. the normal load current) is far

  10. The Impact of Educational Technology on Training and Development in the Banking Sector

    Science.gov (United States)

    Khan, Razia; Pramjeeth, Shamola; Kader, Abdulla

    2018-01-01

    Recent sustainability and training and development reports have shown that banks are increasingly investing in training and development. While most banks are already utilising different forms of e-learning for certain types of training interventions and employee assessments, the focus going forward is to reinvent training within the organisation…

  11. 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.

  12. 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.

  13. 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...

  14. 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...

  15. The Impact of the Public Authorities’ Messages – the European Central Bank Case

    Directory of Open Access Journals (Sweden)

    Ioan Talpos

    2007-03-01

    Full Text Available The public authorities (the agency messages could play a key role in the social subjects’ decisions. How and when the agency communicates the path of its future policies influences the present social and economic architecture. The aim of this paper is to advance an explanatory framework for the connections between the transparency and credibility of the public authorities and the volatility of the social output. In order to provide some empirical evidences, the paper will consider the case of the European Central Bank as a representative monetary authority. The main output of the paper resides in the thesis that, with a certain consistency, there are some connections between the agency’s mandates, the types of the messages transmitted by the agency and the volatility of the obtained results, and also in the idea that an agency entrusted with a “strong” mandate could transmit “mixed” type messages (i.e. “informative-persuasive” ones which, in special conditions, could influence the decisions of certain categories of clients and/ or non-members. Of course, the following core question still remains: “How sustainable could be the effects induced by the impact of different agency messages received by the various beneficiaries?” And this, because in the end “The one who knows does not speak and the one who speaks does not know” (LAO ZI - DAO DE JING.

  16. THE IMPACT OF WORKFORCE DIVERSITY ON ORGANIZATIONAL EFFECTIVENESS: A STUDY OF A NIGERIAN BANK

    Directory of Open Access Journals (Sweden)

    OMANKHANLEN ALEX EHIMARE

    2011-01-01

    Full Text Available It is generally recognized that there is diversity in the workforce of any enterprise, be it business, government, or civil society. This study therefore seeks to find out the impact of workforce diversity on organizational effectiveness using a Nigerian bank for the study. We used the Blau’s1977 index of heterogeneity to measure the diversity index. While asset growth for the year 2008 and 2009, using 2007 and 2008 as base year was used to measure the growth strategy. To determine group diversity and performance outcomes moderated by workgroup context, a series of hierarchical regression analysis were conducted. The study finds significant correlation between some of the diversity variables as well as individual diversity variables with the measures of organizational effectiveness. Also it reveals that gender and ethnicity are negatively related to both employee productivity and performance bonus. In addition the study find that gender, age and tenure diversities are positively correlated and are significantly related. It is recommended that company executives use good strategies to effectively manage workforce diversity and collaborative research efforts should be done to ascertain the contextual variables that moderate workforce diversity to produce positive performance outcomes.

  17. 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.

  18. 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.

  19. 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.

  20. A national study of the psychological impact of bank robbery with a randomized control group

    DEFF Research Database (Denmark)

    Hansen, Maj; Armour, Cherie; Shevlin, Mark

    of bank employees exposed to robbery (response rate: 73.6 %). Several related factors were also investigated including prior traumatic exposure, anxiety, and general traumatic symptoms. The results were compared to a randomized control group of bank employees never exposed to robbery (N= 303...... but surprisingly significantly higher than the follow-up robbery group. The results are discussed in relation to existing research and the effect of other factors such as prior traumatic exposure. In conclusion bank robberies are a traumatizing event for the employees, especially when disregarding avoidance...

  1. 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...

  2. 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, ...

  3. Impact of Transformational Leadership on Psychological Empowerment and Job Satisfaction Relationship: A Case of Yemeni Banking

    Directory of Open Access Journals (Sweden)

    Asma Abdulwasea Mohammed Al-Hosam

    2016-09-01

    Full Text Available The banking sector of Yemen is under threat due to the lack of confidence and trust of the prospective clients that hindered economic development of the country. The study aimed to measure a moderating effect of transformational leadership on employees’ psychological empowerment and job satisfaction relationship so that attitudes of the Yemeni can be bumped towards banking. In this study, 160 employees were surveyed in different branches of four banks in Yemen. The data were analyzed in four stages namely, reliability and validity analysis, descriptive analysis, multivariate analysis, and hypotheses testing analysis. The study revealed a significant positive relationship between employees’ psychological empowerment and transformational leadership towards their job satisfaction level. If the policy makers consider the findings and undertake necessary measures, the Yemeni banking is expected to be accelerated which will contribute to the economy of the country.

  4. Discriminating the biophysical impacts of coastal upwelling and mud banks along the southwest coast of India

    Digital Repository Service at National Institute of Oceanography (India)

    Karnan, C.; Jyothibabu, R.; Arunpandi, N.; Jagadeesan, L.; Muraleedharan, K.R.; Pratihary, A.K.; Balachandran, K.K.; Naqvi, S.W.A.

    Coastal upwelling and mud banks are two oceanographic processes concurrently operating along certain stretches of the southwest (Kerala) coast of India during the Southwest Monsoon period (June-September), facilitating significant enhancement...

  5. 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.

  6. IMPACT OF HRM PRACTICES ON EMPLOYEE SATISFACTION IN BANKING SECTOR IN CHITTOOR DISTRICT

    OpenAIRE

    P.Suresh; Dr.T.Narayana Reddy

    2017-01-01

    Employee satisfaction plays a key role on both the individual and organisation. Employee satisfaction will result in improving organisation productivity. The present study is carried out to comprehend the effect of HRM Practices in banking sector. This study is based on both primary and secondary data, reviewing the literatures related to HRM Practices, employee satisfaction, in banks of chittoor district. The objective of the study focuses on understanding Effect of HRM practices on Employee...

  7. 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.

  8. 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...

  9. 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...

  10. Environmental Assessment and Finding of No Significant Impact: Implementation of the Wetland Mitigation Bank Program at the Savannah River Site

    Energy Technology Data Exchange (ETDEWEB)

    N/A

    1999-04-28

    The Department of Energy (DOE) has prepared an environmental assessment (EA) (DOE/EA-1205) for the proposed implementation of a wetland mitigation bank program at the Savannah River Site (SRS), located near Aiken, South Carolina. Based on the analyses in the EA, DOE has determined that the proposed action is not a major Federal action significantly affecting the quality of the human environment within the meaning of the National Environmental Policy Act of 1969 (NEPA). Therefore, the preparation of an environmental impact statement (EIS) is not required, and DOE is issuing this Finding of No Significant Impact (FONSI) and Floodplain Statement of Findings.

  11. The Quality of Banking Services in Light of the Financial Transformations and Their Impact on the Marketing Performance of the Banks in Gaza Strip

    OpenAIRE

    Al Hila , Amal ,; Alhelou , Eitedal ,; Al Shobaki , Mazen ,; Abu Naser , Samy S

    2017-01-01

    International audience; This study aimed to investigate the effect on the quality of banking services marketing performance of banks operating in the Gaza Strip in light of the financial transitions from the perspective of employees, and the disclosure of the relationship between the quality of banking services and marketing performance from the perspective of employees and customers. The researcher used descriptive and analytical approach, and the study population of employees and customers ...

  12. 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.

  13. 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.

  14. THE IMPACT OF THE FINANCIAL AND ECONOMIC GLOBAL CRISIS OVER THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Ciobanu (Sireteanu Elena

    2011-12-01

    Full Text Available This paper analyzes the evolution of the Romanian banking system during 2007 - 2010 compared to the same segment of financial market dynamics in the Member States. Also seeks to detect the effects of the global financial and economic crisis on lending activity, the management of liquidity risk and thereby the effect on the profitability of the Romanian banking sector and outline the prospects of further development. The macroeconomic and financial international background has undergone negative changes, especially in the autumn of 2008. Romania's financial system has evolved but strongly marked by the virulent manifestations of global financial and economic crisis. The banking system which is the dominant component in the financial system is well capitalized, has resisted, until now, these pressures, without recording any bankruptcy. As a lending crunch from the increase in provision expenses, against the backdrop of bad loans it seems to be a poor performance of the banking system for the future period, taking into account the negative financial result recorded at the end of 2010. Given the high degree of capitalization, liquidity level indicators, on this, consider that local banks are well placed to support the real economy on long-term lending conditions imposed by prudential regulations in the field. Currently, at the level of the Romanian banking system, we consider it is necessary to continue the measures imposed by the monetary authority to ensure the reduction of uncertainty and reassure market participants in future developments, as trust is the essential factor for the crisis. In this sense, we consider very important the debate, the direct involvement of representatives of the central bank and academic themes reflecting the current state of the Romanian financial system, lessons learned from the crisis and Romania's objectives for the future - providing a sustainable process of nominal and real convergence of the Romanian economy

  15. 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)

  16. 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.

  17. 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

  18. 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...

  19. The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

    Directory of Open Access Journals (Sweden)

    Lien-Wen Liang

    2017-12-01

    Full Text Available This study examines how small and medium-size enterprises’ (SMEs’ lending and credit guarantee affect Korean banks’ efficiency, by employing the stochastic frontier approach on 14 banks over the period 2001–2010. When lending increases to SMEs, the findings indicate that banks’ cost efficiency decreases due to information asymmetry. However, the increased proportion of credit guarantee can improve their cost efficiency. This proves that South Korea’s credit guarantee system can indeed share SMEs’ credit risk of lending in order to help raise bank efficiency.

  20. An Empirical Analysis of Impact of E-commerce on Banking Industry in China

    OpenAIRE

    Jiang, Bo

    2010-01-01

    In recent years, e-commerce grows rapidly in the whole world. In the United State and European countries, e-commerce has become a significant financial service channel and played an irreplaceable role comparing with traditional banking. In these ten years, the banking industry in China has begun to implement e-commerce in order to serve their customers better. The implementation of e-commerce has changed people’s understanding of financial issues. Meanwhile, e-commerce brings new profit point...

  1. The Impact of Workplace Learning on Job Satisfaction in Small US Commercial Banks

    Science.gov (United States)

    Rowden, Robert W.; Conine, Clyde T., Jr.

    2005-01-01

    Purpose: This study aims to examine workplace learning and job satisfaction in small, commercial US banks. Design/methodology/approach: Survey data collection with correlational procedure. Findings: The study found a statistically significant relationship between the workplace learning variables and the job satisfaction variables. Research…

  2. Impacts of Mastication: Soil Seed Bank Responses to a Forest Thinning Treatment in Three Colorado (USA Conifer Forest Types

    Directory of Open Access Journals (Sweden)

    Akasha M. Faist

    2015-08-01

    Full Text Available Mastication is a forest fuel thinning treatment that involves chipping or shredding small trees and shrubs and depositing the material across the forest floor. By decreasing forest density mastication has been shown to lessen crown fire hazard, yet other impacts have only recently started to be studied. Our study evaluates how mastication treatments alter the density and composition of soil seed banks in three Colorado conifer forest types. The three forest types were (1 lodgepole pine, (2 ponderosa pine and (3 pinyon pine-juniper. Results showed that masticated sites contained higher seed bank densities than untreated sites: a pattern primarily driven by treatment effects in ponderosa pine forests. The seed bank was dominated by forbs regardless of forest type or treatment. This pattern of forb dominance was not observed in the aboveground vegetation cover as it demonstrated more even proportions of the functional groups. Graminoids showed a higher seed density in treated sites than untreated and, similarly, the identified non-native species only occurred in the treated ponderosa pine sites suggesting a potential belowground invasion for this forest type. These results suggest that presence of masticated material might not be creating a physical barrier hindering the transfer of seeds as predicted.

  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. 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

  5. The Impact of Financial Development on the Relationship between Trade Credit, Bank Credit and Firm Characteristics. A Study on Firm-Level Data from Six MENA Countries

    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...

  6. 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.

  7. The Impact of value equity and brand equity on loyalty : an empirical investigation in retail banking

    OpenAIRE

    Ivanauskienė, Neringa; Auruškevičienė, Viltė

    2013-01-01

    The scientific analysis of the concept of customer loyalty leads to assertion that the loyalty theory cannot be treated separately from the service quality theory and the branding theory, and the research of loyalty factors, despite their abundance, has not yet revealed an overall approach towards the causalities of loyalty. The research problem is related to how functional value and brand value affect the loyalty of retail banking customers. The object of the research is the loyalty based on...

  8. THE IMPACT OF MICROFINANCE BANKS IN RURAL AREAS OF SUB-SAHARAN AFRICA

    OpenAIRE

    Isabelle Musanganya; Chantal Nyinawumuntu; Pauline Nyirahagenimana

    2017-01-01

    Many researchers consider microfinance as a tool for poverty reduction. Even more, especially in post-conflict African countries, micro-financial institutions are seen as an opportunity of reconciliation. Lending from microfinance institutions to that from traditional banks and examine their respective effects upon economic growth has been practiced in some sub-Saharan countries. Considerable progress in research has been found that microfinance loans raise growth comparatively to that of tra...

  9. What is the impact of bankrupt and restructured loans on Japanese bank efficiency?

    OpenAIRE

    Mamatzakis, Emmanuel; Matousek, Roman; Vu, Anh Nguyet

    2015-01-01

    The Japanese banking system provides a distinctive platform for the examination of the long-lasting effect of problem loans on efficiency. We measure technical efficiency by modifying a translog enhanced hyperbolic distance function with two undesirable outputs, identified as problem loans and problem other earning assets. Our unique database allows us to distinguish between bankrupt and restructured loans to investigate the underlying causality between these loans and efficiency. From the fl...

  10. The Pro-Cyclical Impact of Basel III Regulatory Capital on Bank Capital Risk

    OpenAIRE

    Song, Guoxiang

    2014-01-01

    To raise the quality of regulatory capital, Basel III capital rules recognize unrealized gains and losses on all available-for-sale (AFS) securities in Common Equity Tier 1 Capital (CET1). However, by examining the correlations between U.S. GDP growth rate, interest rates and regulatory capital ratios computed using Basel III regulatory capital definition for six U.S. global systemically important banks (G-SIBs) since 2007, this chapter finds that Basel III regulatory capital will enhance the...

  11. Impact Of Merger And Acquisition On Debt Management Ratio: A Case Study In Malaysian Banking Sectors

    OpenAIRE

    Mohammad Talha; Abdullah Sallehhuddin

    2011-01-01

    This study based on efficiency theory of shareholders wealth maximization of acquisition principle attempted to investigate the debt management ratio of ten Malaysian anchor banks after undergoing mega merger and acquisition program which was completed in the year of 2000. As efficiency theory consists of three elements that are financial synergy, operation synergy and managerial synergy, the study will primarily focus its analysis on financial synergy (debt management). Using accounting tech...

  12. Impact of municipal wastewater effluent on seed bank response and soils excavated from a wetland impoundment

    Science.gov (United States)

    Finocchiaro, R.G.; Kremer, R.J.; Fredrickson, L.H.

    2009-01-01

    Intensive management of wetlands to improve wildlife habitat typically includes the manipulation of water depth, duration, and timing to promote desired vegetation communities. Increased societal, industrial, and agricultural demands for water may encourage the use of alternative sources such as wastewater effluents in managed wetlands. However, water quality is commonly overlooked as an influence on wetland soil seed banks and soils. In four separate greenhouse trials conducted over a 2-yr period, we examined the effects of municipal wastewater effluent (WWE) on vegetation of wetland seed banks and soils excavated from a wildlife management area in Missouri, USA. We used microcosms filled with one of two soil materials and irrigated with WWE, Missouri River water, or deionized water to simulate moist-soil conditions. Vegetation that germinated from the soil seed bank was allowed to grow in microcosms for approximately 100 d. Vegetative taxa richness, plant density, and biomass were significantly reduced in WWE-irrigated soil materials compared with other water sources. Salinity and sodicity rapidly increased in WWE-irrigated microcosms and probably was responsible for inhibiting germination or interfering with seedling development. Our results indicate that irrigation with WWE promoted saline-sodic soil conditions, which alters the vegetation community by inhibiting germination or seedling development. ?? 2009, The Society of Wetland Scientists.

  13. The impact of oil prices on the banking system in the Gulf Cooperation Council

    Directory of Open Access Journals (Sweden)

    Padamja Khandelwal

    2017-06-01

    Full Text Available This paper examines the links between global oil price movements and macroeconomic and financial developments in the Gulf Cooperation Council (GCC. The GCC economies can be adversely affected by low oil prices due to their high dependence on oil and gas exports and macro-financial linkages which can amplify the effects of oil price movements over the financial cycle. Historically, systemic financial sector risks rose in the GCC countries with the oil price upswing in the years before the global financial crisis. Against this background, a range of multivariate panel approaches, including a panel vector autoregression approach, were applied to macroeconomic and bank-level data covering the six GCC economies and span 1999–2014. The paper finds strong empirical evidence of feedback loops between oil price movements, bank balance sheets, and asset prices. Empirical evidence also suggests that bank capital and provisioning have behaved countercyclically through the cycle. That is, these ratios increase during good times. This has helped strengthen the resilience of the financial system to the oil price decline since mid-2014.

  14. Impact of credit information on the banks stability: Global experience and lessons for Ukraine

    Directory of Open Access Journals (Sweden)

    Inna Bielova

    2016-05-01

    Full Text Available A quality of the credit portfolio is one of the most important factors of banking system reliability. It is obviously, that there is a direct relationship between this indicator and financial stability of the bank. In turn, the quality of the loan portfolio depends on many factors that are investigated in scientific and educational literature. In this paper, we propose to focus on a group of factors of credit risk that are connected with the availability of information about the borrower. The low efficiency of the national system of collecting information about borrowers in Ukraine in comparison with foreign models was confirmed by the quantitative analysis. This tendency cases the high level of credit risks and low financial stability level of domestic banks. It is necessary to make active efforts on improving the effectiveness of credit bureaus in Ukraine by establishing public credit registry and also to focus on solving other problems associated with the collection and use of information about borrowers

  15. Grazing impact on desert plants and soil seed banks: Implications for seed-eating animals

    Science.gov (United States)

    Pol, Rodrigo G.; Sagario, M. Cecilia; Marone, Luis

    2014-02-01

    We assess whether the knowledge of livestock diet helps to link grazing effects with changes in plant cover and soil seed bank size, aiming at inferring the consequences of grazing on seed-eating animals. Specifically, we test whether continuous and heavy grazing reduce the cover, number of reproductive structures and seed reserves of the same grass species whose seeds are selected and preferred by granivorous animals in the central Monte desert, Argentina. Grass cover and the number of grass spikes usually diminished under grazing conditions in the two localities studied (Telteca and Ñacuñán), and soil seed bank was consistently reduced in all three years evaluated owing to a decline of perennial grass and forb seeds. In particular, the abundance of those seeds selected and preferred by birds and ants (in all cases grass species) declined 70-92% in Ñacuñán, and 52-72% in Telteca. Reduction of perennial grass cover and spike number in grazed sites reinforced the causal link between livestock grazing and the decline of grass soil seed reserves throughout failed plant reproduction. Grass seed bank depletion suggests that grazing may trigger a "cascade" of mechanisms that affect the abundance and persistence of valuable fodder species as well as the availability of seed resources for granivorous animals.

  16. 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...

  17. Discriminating the biophysical impacts of coastal upwelling and mud banks along the southwest coast of India

    Science.gov (United States)

    Karnan, C.; Jyothibabu, R.; Arunpandi, N.; Jagadeesan, L.; Muraleedharan, K. R.; Pratihari, A. K.; Balachandran, K. K.; Naqvi, S. W. A.

    2017-08-01

    Coastal upwelling and mud banks are two oceanographic processes concurrently operating along certain stretches of the southwest (Kerala) coast of India during the Southwest Monsoon period (June-September), facilitating significant enhancement in plankton biomass. Mud banks have scientific and societal attention from time immemorial, predominantly due to the large fisheries associated with them. In this paper, for the first time, the specific biophysical roles of these oceanographic processes have been discriminated, based on a focused 18 weekly/fortnightly time-series study (April to September 2014) in a mud bank-upwelling area (off Alappuzha, southwest coast of India). In conjunction with standard hydrographical and satellite remote sensing data, we utilised a FlowCAM to track the biophysical linkage in terms of plankton composition abundance and size structure at three locations (M1, M2 and M3) in the study area. During the Pre-Southwest Monsoon (April-May), the entire study area was warmer with low nitrate concentration in the surface waters, which caused lower biomass of autotrophs compared to the Southwest Monsoon (June-September). By the onset of the Southwest Monsoon (June), drastic hydrographical transformations took place in the study domain due to the Coastal upwelling, reflected as the surfacing of significantly cool, high nutrient and hypoxic waters. Concurrently, mud bank formed at location M2 due to the presence of relatively high-suspended sediments in the region, creating a localised calm environment conducive for fishing activities. In response to the hydrographical transformations in the entire study area during the Southwest Monsoon, the autotrophic plankton biomass and size structure experienced significant change. The micro-autotrophs biomass that was low during the Pre-Southwest Monsoon (av. 0.33 ± 0.2 mgC L- 1 at surface and av. 0.07 ± 0.04 mgC L- 1 at subsurface) noticeably increased during the Southwest Monsoon (av. 1.6 ± 0.4 mgC L- 1 at

  18. Banking Models Under the Impact of the Post-Crisis Organizational Changes Apt to Confer Sustainable Financial Stability - Romanian Experience

    Directory of Open Access Journals (Sweden)

    Claudia Gabriela Baicu

    2012-06-01

    Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.

  19. 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.

  20. 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

  1. 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...

  2. 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.

  3. 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

  4. Impact of Caring Climate, Job Satisfaction, and Affective Commitment on Employees’ Performance in the Banking Sector of Bosnia and Herzegovina

    Directory of Open Access Journals (Sweden)

    M. Sait DINC

    2016-11-01

    Full Text Available The main purpose of this paper is to examine the impact of caring climate, employees' job satisfaction, and affective commitment on employees' job performance in a banking sector. This study proposes that caring climate has a significant direct effect on overall job satisfaction, affective commitment, and job performance. Moreover, it suggests that caring climate has an influence on job performance through overall job satisfaction and affective commitment. Additionally, affective commitment is considered to be a mediator in the relationship between overall job satisfaction and job performance. In this study, the relationships among the variables were evaluated using factor analysis, descriptive statistics, correlations, and regression. The results based on a sample of 152 employees from one public and three private banks in the Federation of Bosnia and Herzegovina support the hypotheses. This study demonstrates that caring climate has a significant direct influence on overall job satisfaction, affective commitment, and job performance. Furthermore, caring climate has an indirect effect on job performance. Finally, this research discovers an indirect relationship between overall job satisfaction and employees’ job performance through a mediating role of affective commitment.

  5. Implementation of South African national credit act and its impact on home loans market: The case of First National Bank

    Directory of Open Access Journals (Sweden)

    Bathmanathan Vasie Naicker

    2013-06-01

    Full Text Available Since it has been observed that credit granting is a serious problem across the entire credit market, South Africa introduced National Credit Act 34 of 2005 in order to regulate the credit industry and protect credit consumers from becoming over-indebted. The study highlights and examines the implementation of the Act in relation to the South African home loans market, focussing on First National Bank home loans portfolio. The study documents that the current state of consumer indebtedness shows that both credit institutions and consumers were responsible for over extending retail credit. The study noticed that credit industry has significantly managed to regulate the retail credit through the implementation of the Act. Furthermore, the study finds that a new stakeholder such as a debt counsellor has been introduced into the retail credit value chain for debt counselling for over-indebted clients. However, the study recommends that internal forums within banks as well as industry-wide forums should be used in order to ensure that the implementation of a regulation that impacts the entire credit industry is implemented with all stakeholders to limit any possible misinterpretation of key sections of a new regulation.

  6. 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.)

  7. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  8. Impact of banking institutions on national economy an empirical study of time series analysis in Pakistan

    Directory of Open Access Journals (Sweden)

    Nouman Badar

    2015-09-01

    Full Text Available This paper examines the long and short term relationship of financial sector development on economic growth of Pakistan where development of financial sector is detected by the variables truly depicts the efficiency of financial sector i.e. Money Supply, size of Advances, Private sector Credit growth and Bank’s equity with economic growth which is pronounced by Gross Domestic Product in this study. Data of almost 22 years ranges from 1992 to 2013 of overall banking industry is taken to obtain results by employing Johnson and Jusellious co integration technique to detect long run association while Granger Casualty test is used to determine cause and effect relationship and to measure short term dynamics Vector Error correction model is used. The result shows that both long and short run relationship exists between growth of financial sector and economy of Pakistan

  9. Impact of the National Practitioner Data Bank on resolution of malpractice claims.

    Science.gov (United States)

    Waters, Teresa M; Studdert, David M; Brennan, Troyen A; Thomas, Eric J; Almagor, Orit; Mancewicz, Martha; Budetti, Peter P

    2003-01-01

    Policymakers and commentators are concerned that the National Practitioner Data Bank (NPDB) has influenced malpractice litigation dynamics. This study examines whether the introduction of the NPDB changed the outcomes, process, and equity of malpractice litigation. Using pre- and post-NPDB analyses, we examine rates of unpaid claims, trials, resolution time, physician defense costs, and payments on claims with a low/high probability of negligence. We find that physicians and their insurers have been less likely to settle claims since introduction of the NPDB, especially for payments less than dollars 50,000. Because this disruption appears to have decreased the proportion of questionable claims receiving compensation, the NPDB actually may have increased overall tort system specificity.

  10. 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

  11. 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...

  12. 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

  13. Policy impact of the Indonesian Central Bank certificate related on loan interest rate to the demand growth of property

    Science.gov (United States)

    Wirjodirdjo, B.; Asjari, H. Y.

    2018-04-01

    The Indonesian economic indicators shown a positive progress in the last three years, Foreign exchange reserves position of the end of March 2017 stood at US 121.8 billion higher than the position of the end of 2015 amounted to US 105.9 billion of the end of 2015. This reserve would ensure the resilience and maintaining sustainable Indonesian economic growth in the future. Although Indonesia’s foreign exchange is better, the structure of expenditure in the country is still less than ideal due the proportion of spending of consumer goods is far greater than the capital goods and tend to be unproductive spending. This needs to be regulated so that in the long term does not cause balance of payments deficit. Therefore, Indonesian Central Bank took a policy to raise interest rates for retail banks from 6% to 7.25% per annum gradually up to present. Policies relating to the interest rates on loans are intended to reduce the proportion of debt financing of consumer goods, however, these policies have implications to various economic sectors and one of those is property sector. A lot of research has been conducted related the impact of loan interest to the property sector but most of it is still in partial related to the ability the people to buy. However, this research has tried to see the implication of the macro Economic Policy of Indonesian Central Bank to the property sector as a systemic problem. This paper is going to present the study on the effects of these policies on the property sector, especially residence house. To obtain a comprehensive analysis and capture the relationship between interest rate policies and their impacts to the property sector, in this study the model developed and simulated using system dynamic methodology as an approach. Various scenarios are applied to the model to get an accurate information about how and when the effectiveness of the policy related to the property sector can be enforced. The result of this study can be delivered to

  14. 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...

  15. 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

  16. 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...

  17. 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

  18. 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.

  19. World Bank Development Sector Adjustment Operation Life Line to Nigerian Universities: Impact on Information Demand and Supply in the University of Agriculture, Makurdi Library.

    Science.gov (United States)

    Ozowa, Vincent Nnamdi

    1995-01-01

    Provides an overview of the rationale behind the World Bank credit line to Nigerian universities and examines the impact of the credit facility on the information demand and supply in the University of Agriculture, Makurdi Library (Nigeria). Discusses problems, such as poor quantity and quality of books and journals, lack of equipment, and lack of…

  20. 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...

  1. 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.

  2. 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.

  3. 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

  4. The impact of ownership structure on bank productivity and efficiency: Evidence from semi-parametric Malmquist Productivity Index

    Directory of Open Access Journals (Sweden)

    Fadzlan Sufian

    2014-12-01

    Full Text Available The present study employs the state of the art bias-corrected Malmquist Productivity Index method to examine the sources of efficiency and productivity of the foreign and domestic banks operating in the Malaysian banking sector. The preferred methodology enables us to isolate efforts to catch up to the frontier (efficiency change from shifts in the frontier (technological change [TECHCH]. The results indicate that the Malaysian banking sector has exhibited productivity progress mainly attributed to technological progress. The empirical findings suggest that both the domestic and foreign banks have exhibited productivity progress albeit at different quantum attributed mainly to progress in TECHCH.

  5. The WISMUT sanitation project - moving of spoil banks and sanitation work on abandoned open pits

    International Nuclear Information System (INIS)

    Thie, F.W.

    2002-01-01

    Ten years after they were started, remedial measures have taken effect in all sites of the WISMUT GmbH. Of the 13 billion DM provided by the German state, about 7.2 billion have been spent - 3.9 billion in eastern Thuringia and 3.3 million in Saxony. A programme of about 480 million DM was completed successfully in 2001. The work also had a positive effect on regional industries as sub-contracts in the order of 180 to 2000 million DM per annum were allotted [de

  6. Effect of modern technology in improving spoil bank design and reducing environmental pollution

    Energy Technology Data Exchange (ETDEWEB)

    Knezevic, D [Rudarski Institut, Belgrade (Yugoslavia). Zavod za Pripremu Mineralnih Sirovina

    1988-01-01

    States that Yugoslav thermal power plants produce 10 Mt ash annually with only 10% being utilized as a secondary raw material, and that the environmental pollution resulting from inappropriate disposal methods is no longer acceptable. Points out that hydraulic ash transport at thermal power plants uses 20,000 m{sup 3} water per hour for 200 MW plants, and that the water dissolves heavy metal ions. Very high levels of Pb, As, and Cu ions together with sulphates were found in water released from the ash disposal sites of the Nikola Tesla and Kostolac thermal power plants where the level of suspended particles was found in spring 1985 to have risen to 4,500 mg/l against a permitted level of 30 mg/l. Recommends the use of sealing foil under ash disposal areas to prevent the contamination of ground water. The spraying of dry ash and slag waste is also recommended to prevent air pollution by dust. Slag is stated to be the more serious contaminant; typical ash to slag ratios vary from 95:5 to 80:20. With large disposal areas such as at the Kostolac or Nikola Tesla A and B power plants where 250-400 ha could be involved, a program of land reclamation and recultivation is suggested. Further recommends that outmined coalfields be used as sites for ash and slag disposal. 7 refs.

  7. Succession of insects on unreclaimed coal strip mine spoil banks in Indiana

    Energy Technology Data Exchange (ETDEWEB)

    Schrock, J.R.

    1984-01-01

    Selected sites at a western Indiana unreclaimed coal strip mine and adjacent undisturbed area sampled by Munsee in 1964 were restudied in 1981. Slope and exposure, soil pH and texture, vegetation and tree tallies, on-site rainfall and local weather records were used to characterize 18 spoilbanks and two unmined sites. Surface-active arthropods were sampled by replicated pitfall taps the summer of 1981 at the same locations and dates trapped by Munsee in 1964. Plant cover was sampled by a modified point-contact method. Trees over one inch dbh were tallied and measured for basal area. Clustering by similarity based on chi-square differences was performed for plants, trees, ants, springtails and ground beetles, using the undisturbed forest and a highly acid un-revegetated mined site as the extremes. Soil pH and texture changed rapidly on one moist spoilbank. Soil moisture levels generally decreased between 1964 and 1981 and depth of water penetration generally increased. Ant, springtail and carabid populations changed on revegetating sites. Myrmica spatulata and Smithistruma clypeata were major new ants on the sites in 1981. Iridomyrmex pruinosus analis and Pheidole bicarinata characteristic of barren spoilbanks in 1964 survived on only one remaining barren site in 1981. The collembolan Entomobrya quadrilineata decreased while Hypogastrura denticulata increased on the revegetating sites. Known habitat preference of some of these insects matched their occurrence on the spoilbanks.

  8. 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.

  9. The Impact of the Public Authorities’ Messages – the European Central Bank Case

    Directory of Open Access Journals (Sweden)

    Ioan Talpos

    2007-03-01

    Of course, the following core question still remains: “How sustainable could be the effects induced by the impact of different agency messages received by the various beneficiaries?” And this, because in the end “The one who knows does not speak and the one who speaks does not know” (LAO ZI - DAO DE JING.

  10. Impact of bank finance on the survival of small and medium ...

    African Journals Online (AJOL)

    Yet little or nothing is known about the impact of financial institution on the survival of ... on growth of small and medium Enterprises in relation to GDP growth. ... This implies that the Nigerian economy has been enhanced by the SME sector, ...

  11. 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.

  12. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  13. The Impact Of Social Media On Banks In Russia Phenomenological Study

    OpenAIRE

    Larchuzhenkova, Nadezhdathe

    2010-01-01

    Social Media, or Web 2.0, is phenomenon that invades in life of people and organizations and has created a permanent shift in communication and interaction processes where they participate in. Experiencing the growing power of the internet technologies and social media impact, many companies from different industries around the world have started rethinking and redesigning the communication processes. However, although financial institutions are generally perceived as technological innovators...

  14. Corporate Social Responsibility Program Impacts the Customer Loyalty of Bank Rakyat Indonesia Branch Manado

    OpenAIRE

    Mekel, Peggy A.; Talumepa, Gary C.

    2014-01-01

    The successfulness of a firm is not just determined by its financial metrics. Corporate social responsibility (CSR) lately becomes one major concern in businesses which are indicating whether the company goes well or not. CSR program is the major concern that will be elaborate in this research. The aim of this research is to know if CSR programs of BRI branch Manado impact its customer loyalty and what are the factors that influence. This study is conducted by quantitative technique with asso...

  15. 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...

  16. 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.

  17. 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

  18. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  19. Assessing the Role of Automation in Managing of Iranian E-banking and its Impact on Social Benefit

    Directory of Open Access Journals (Sweden)

    Hamidreza Salmani MOJAVERI

    2011-06-01

    Full Text Available Banks in the field of commercial developments have attention to create structural changes in the receiving and payment systems and also have facilities in services process to customers. In fact we can claim one of the reasons of general tendency to electronic business is the banks managers’ attention to the importance and necessity of this phenomenon, thus have led to their trend and serious attention for providing banking structure, based on electronic method. What banking services makes it different in comparing with other conventional methods for using E-Banking systems, is, quantitative and qualitative expansion in customer service. In other words, E-Banking, prepares the situation to customer till have wider and more diverse services. Furthermore, time and spatial dimension will not have effect in reducing or increasing services to customers. Also the customer can control his/her financial activities in every time and everywhere without attending in bank’s branches. The aim of this paper is to illustrate the status of banking automation, its social and organizational consequences in Iranian E-banking system, and providing appropriate recommendations.

  20. Internal Communication and Job Satisfaction Revisited: The Impact of Organizational Trust and Influence on Commercial Bank Supervisors.

    Science.gov (United States)

    Pincus, J. David; And Others

    Using H. Dennis' (1974) five-factor communication climate construct framework as a predictor variable, a study investigated the relationship between perceptions of communication climate and job satisfaction of supervisory employees in the banking industry. A systematic random sample was drawn from 68 commercial banks in Orange County, California,…

  1. ISLAMIC MARKETER ETHICS AND ITS IMPACT ON CUSTOMER SATISFACTION IN THE ISLAMIC BANKING INSTITUTION: A CASE STUDY OF BANK MUAMALAT INDONESIA

    Directory of Open Access Journals (Sweden)

    Nuralam I.P.

    2017-09-01

    Full Text Available The aim of this study is to know the influence of Islamic marketer ethics to customers’ satisfaction of Bank Muamalat Indonesia (BMI. These ethics principally concern on Qur’an and Hadith which are the basic foundation of Islamic values in Islam. Through this study we also can use another perspective of giving customer satisfaction in Islamic way and find out that there is a causal relation between Islamic marketer ethics and customer satisfaction. The research method used is survey method with sampling method using purposive sampling. Data analysis using multiple linear regression. From the results, it is found that Islamic marketer ethics as independent variables simultaneously effect on customer satisfaction, while partially some of variables refuse the hypothesis.

  2. The Impact of an Electronic Ordering System on Blood Bank Specimen Rejection Rates.

    Science.gov (United States)

    Forest, Stefanie K; Shirazi, Maryam; Wu-Gall, Charlotte; Stotler, Brie A

    2017-01-01

    To evaluate the impact that an electronic ordering system has on the rate of rejection of blood type and screen testing samples and the impact on the number of ABO blood-type discrepancies over a 4-year period. An electronic ordering system was implemented in May 2011. Rejection rates along with reasons for rejection were tracked between January 2010 and December 2013. A total of 40,104 blood samples were received during this period, of which 706 (1.8%) were rejected for the following reasons: 382 (54.0%) unsigned samples, 235 (33.0%) mislabeled samples, 57 (8.0%) unsigned requisitions, 18 (2.5%) incorrect tubes, and 14 (1.9%) ABO discrepancies. Of the samples, 2.5% were rejected in the year prior to implementing the electronic ordering system compared with 1.2% in the year following implementation ( P  blood sample rejection. © American Society for Clinical Pathology, 2017. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

  3. The Impact of Business Intelligence (BI Competence on Customer Relationship Management (CRM Process: An Empirical Investigation of the Banking Industry

    Directory of Open Access Journals (Sweden)

    Ali Mortezaei

    2018-03-01

    Full Text Available Nowadays, establishing long-term and effective relationships with customers is a key factor in understanding customers’ needs and preferences and achieving competitive advantage. In addition, companies are facing with a growing need for information and analytical knowledge about their customers, market, competitors, organizational environment, and other factors affecting their business. Business intelligence has been considered as a response to this need. The purpose of this study is to investigate the role of business intelligence competence in improving customer relationship management process. Based on the literature review and the competence – capability relationship paradigm, a conceptual model was developed comprising of different dimensions of business intelligence competence and customer relationship management processes. The data were collected from the banking sector and partial least squares structural equation modelling was employed for data analysis. Empirical results showed that organizational business intelligence competence, comprising of managerial, technical, and cultural competence, has a significantly positive impact on enhancing capabilities of customer relationship management process including initiation, maintenance, and termination of the relationship.

  4. 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.

  5. 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.

  6. Evaluate the effectiveness of job rotation system and its impact on employees' readiness for job rotation: Case study of: Maskan bank branches in the city of Tabriz

    Directory of Open Access Journals (Sweden)

    Ali-Mohammadi Farshid

    2017-01-01

    Full Text Available The aim of this study is to evaluate the effectiveness of job rotation system and its impact on employees' readiness for organizational change in the Maskan bank branches in the city of Tabriz. For this purpose, the effectiveness of job rotation system is defined based on the theory of Nana Edom and employees' readiness for organizational change based on the theory of Dunham et al., as three main hypotheses have been developed. The statistical population includes employees of Maskan bank branches in the city of Tabriz, equal to 485 people. The sample estimated 214 employees by using the Cochrane formula and selection performed by stratified random sampling method. Data collection tool was two questionnaires: the effectiveness of job rotation system referred to Nana Edom and employees' readiness for organizational change by Dunham et al. After ensuring the validity and reliability, the questionnaire distributed among them. For statistical data analysis, descriptive and inferential statistical methods were used. Thus, for classifying, summarizing and describing statistical data, we used descriptive statistics methods, and to test hypotheses, t-test, Kolmogorov-Smirnov, r Pearson and Spearman regression in SPSS software were used. The results show that the effectiveness of the job rotation system and employees' readiness for organizational change in the Maskan bank branches in the city of Tabriz level is higher than average. The results of this study show that the effectiveness of the job rotation system on employees' readiness for organizational change in the Maskan bank branches in the city of Tabriz is influential.

  7. 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...

  8. 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.

  9. The Impact of Service Quality and Trust to Customer Loyalty Through Customer Satisfaction at Bank Bca Manado

    OpenAIRE

    Tatuil, Anggreiny

    2013-01-01

    Customer satisfaction is the main factor that determines good or not the services company provided. It is a barometer for customers to re-use services company offered or customer loyalty using the E-banking. If the service is disappointing and customer could not believe the service company provided, will have a negative effect both for customers and the bank itself. This research is aimed to analyze the influence of service quality and trust to customer loyalty trough customer satisfaction. T...

  10. 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.

  11. 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...

  12. 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.

  13. 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

  14. 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.

  15. 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

  16. 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.

  17. 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. 

  18. Phytoextraction from mine spoils: insights from New Caledonia.

    Science.gov (United States)

    Losfeld, Guillaume; Mathieu, Romain; L'Huillier, Laurent; Fogliani, Bruno; Jaffré, Tanguy; Grison, Claude

    2015-04-01

    Increasing pressure on mineral resources has drawn research efforts into innovative supply and recycling. Metal-rich biomass produced in phytoextraction recently proved an interesting starting material for green chemistry. It allows the production of new catalysts, referred to as ecocatalysts. Ecocatalysts provide increased yields in chemical production and increased regio- and chemo-selectivity, which result in high added value. This new approach to using metal-rich biomass could spur the development of phytoextraction, a technique considered promising for long, yet without credible economic outlets. In this regard, metallophyte biodiversity hotspots, such as New Caledonia, are of particular interest for biomass supply. Potential phytoextraction from mine spoils using two species endemic to New Caledonia is discussed here. Geissois pruinosa, a hypernickelophore, and Grevillea exul, a Mn accumulator, were selected for these original experiments. The results presented here 20 months after plantation of young trees from a nursery show the interest of the approach. Mean Ni concentrations of up to 1513 mg kg(-1) are reported in G. pruinosa, as well as 2000 mg kg(-1) Mn in G. exul. Concentrations of Ni and Mn in the leaves of each species appear to be correlated with leaf age. Plantation of these species may also ensure mine reclamation, and experiments were conducted with the principles of ecological restoration in mind adding a further dimension to the approach.

  19. 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.

  20. Impact of selection of cord blood units from the United States and swiss registries on the cost of banking operations.

    Science.gov (United States)

    Bart, Thomas; Boo, Michael; Balabanova, Snejana; Fischer, Yvonne; Nicoloso, Grazia; Foeken, Lydia; Oudshoorn, Machteld; Passweg, Jakob; Tichelli, Andre; Kindler, Vincent; Kurtzberg, Joanne; Price, Thomas; Regan, Donna; Shpall, Elizabeth J; Schwabe, Rudolf

    2013-02-01

    Over the last 2 decades, cord blood (CB) has become an important source of blood stem cells. Clinical experience has shown that CB is a viable source for blood stem cells in the field of unrelated hematopoietic blood stem cell transplantation. Studies of CB units (CBUs) stored and ordered from the US (National Marrow Donor Program (NMDP) and Swiss (Swiss Blood Stem Cells (SBSQ)) CB registries were conducted to assess whether these CBUs met the needs of transplantation patients, as evidenced by units being selected for transplantation. These data were compared to international banking and selection data (Bone Marrow Donors Worldwide (BMDW), World Marrow Donor Association (WMDA)). Further analysis was conducted on whether current CB banking practices were economically viable given the units being selected from the registries for transplant. It should be mentioned that our analysis focused on usage, deliberately omitting any information about clinical outcomes of CB transplantation. A disproportionate number of units with high total nucleated cell (TNC) counts are selected, compared to the distribution of units by TNC available. Therefore, the decision to use a low threshold for banking purposes cannot be supported by economic analysis and may limit the economic viability of future public CB banking. We suggest significantly raising the TNC level used to determine a bankable unit. A level of 125 × 10(7) TNCs, maybe even 150 × 10(7) TNCs, might be a viable banking threshold. This would improve the return on inventory investments while meeting transplantation needs based on current selection criteria.

  1. 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.

  2. A Cross-Country Analysis Regarding the Impact of the Recent Global Crisis on the Banking Sector

    Directory of Open Access Journals (Sweden)

    Angela ROMAN

    2011-06-01

    Full Text Available The current global crisis has had tremendous effects on the banking sectors from the new EU member countries. In this context it becomes important to analyse how the crisis has affected these banking systems and also how the monetary authorities from these countries have reacted in such an adverse situation in order to ensure the macro-stability and the re-launch of the lending process. In order to achieve this, firstly we have reviewed the academic literature on this subject, in order to avoid any overlap in our research and to ensure the originality of our undertaking. Secondly, using a quantitative approach, we have comparatively analysed the effects of the economic and financial crisis on the banking systems from our panel.

  3. 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.

  4. The impact of the International Atomic Energy Agency (IAEA) program on radiation and tissue banking in Peru.

    Science.gov (United States)

    Gamero, Emma Castro; Morales Pedraza, Jorge

    2009-05-01

    The tissue bank "Rosa Guerzoni Chambergo" (RGCTB) located at the Child's Health Institute was inaugurated in 1996, with the financial and technical support of the IAEA program on radiation and tissue banking. Since 1998, the biological bandage of fresh and lyophilised pigskin, amnion and bone tissue is processed routinely in this bank. In all cases, the tissue is sterilised with the use of Cobalt-60 radiation, process carried out at the Laboratories of Irradiation of the Peruvian Institute of Nuclear Energy (IPEN). The tissue bank in the Child's Health Institute helped to save lives in an accident occurred in Lima, when a New Year's fireworks celebration ran out of control in January 2002. Nearly 300 people died in the tragic blaze and hundreds more were seriously burned and injured. Eight Lima hospitals and clinics suddenly were faced with saving the lives of severely burned men, women and children. Fortunately, authorities were ready to respond to the emergency. More than 1,600 dressings were sterilised and supplied to Lima surgeons. The efforts helped save the lives of patients who otherwise might not have survived the Lima fire. Between 1998 and September 2007, 35,012 tissue grafts were produced and irradiated. Radiation sterilised tissues are used by 20 national medical institutions as well as 17 private health institutions. The tissue bank established in Peru with the support of the IAEA is now producing the following tissues: pigskin dressings, fresh and freeze-dried; bone allografts, chips, wedges and powdered, and amnion dressings air-dried. It is also now leading the elaboration of national standards, assignment being entrusted by ONDT (Organización Nacional de Donación y Transplantes; National Organisation on Donation and Transplant). This among other will permit the accreditation of the tissue bank. In this task is also participating IPEN.

  5. 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

  6. 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

  7. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  8. 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.

  9. 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...

  10. Study on Shareholder Related Loans's Impact to the Commercial Banks Development%股东关联贷款对商业银行发展的影响研究

    Institute of Scientific and Technical Information of China (English)

    程筱敏

    2013-01-01

    股东关联贷款对商业银行发展的影响与银行贷款危机密不可分。文中分析了股东关联贷款与银行贷款危机之间的关系,着重就股东关联贷款对商业银行影响进行研究,并提出了防范和降低商业银行股东关联贷款风险的政策建议。%The shareholder loans of commercial banks related development impact of the crisis and bank loans are inseparable.This article analyzes association between the shareholder loans and the crisis of bank loan,focusing on shareholder loans of commercial banks association,and proposed to prevent and reduce the risk of commercial bank lending policies related shareholder proposals.

  11. 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.

  12. Response of Students to Statement Bank Feedback: The Impact of Assessment Literacy on Performances in Summative Tasks

    Science.gov (United States)

    Denton, Philip; McIlroy, David

    2018-01-01

    Efficiency gains arising from the use of electronic marking tools that allow tutors to select comments from a statement bank are well documented, but how students use this type of feedback remains under explored. Natural science students (N = 161) were emailed feedback reports on a spreadsheet assessment that included an invitation to reply placed…

  13. Organic micropollutant removal from wastewater effluent-impacted drinking water sources during bank filtration and artificial recharge

    KAUST Repository

    Maeng, Sungkyu; Ameda, Emmanuel; Sharma, Saroj K.; Grü tzmacher, Gesche; Amy, Gary L.

    2010-01-01

    of age). Thus, it is important to account for mixing with native groundwater and other sources (e.g., old bank filtrate) when estimating the performance of BF with respect to removal of OMPs. Principal component analysis (PCA) was used to investigate

  14. The impact of the International Atomic Energy Agency (IAEA) program on radiation and tissue banking in Mexico.

    Science.gov (United States)

    Martínez-Pardo, María Esther; Morales Pedraza, Jorge; Sánchez Ramírez, Omar

    2009-05-01

    Tissue banking started in Mexico in 1948-1949, when two bone banks were established, one at the Infantile Hospital of Mexico and other at the Central Military Hospital. Mexico has benefited for the implementation of the IAEA program since through it has been able to settle down and to consolidate the Tissue Bank at the Instituto Nacional de Investigaciones Nucleares ININ (National Institute for Nuclear Research). This is the only bank in Latin America that has a Quality Management System in force, certified under ISO 9001:2000 since August 1, 2003. The first tissue processed was amnion. The main products of the BTR are amnion and pig skin. Both are biological tissues which their main use is as a wound dressing in patients with burns, scars, diabetic ulcers, epidermolysis bullosa, damaged ocular surface, etc. The General Health Law, published in 1984 and reformed in June 19, 2007, describes the procedure for the disposal of organs, tissues and human cadavers in its fourteenth title and in the Regulation for Sanitary Control. During the period 2001-2005, the ININ Tissue Bank produced 292 sterilised tissues (amnion, 86,668 cm(2), and frozen pig skin, 164,220 cm(2), at an estimated cost of 1,012,668 Mexican pesos. Until 2006, one hundred eighty five (185) patients have been treated with the use of sterilised tissues produced by the ININ Tissue Bank. The radiation source used for sterilisation of tissues is an industrial Cobalt-60 irradiator model JS-6500 AECL, which belongs to ININ. This equipment is located in other building, close to the BTR, in the Centro Nuclear de México "Dr. Nabor Carrillo Flores" (Nuclear Center of Mexico). Until 2006, six hospitals use in a routine way the sterilised tissues produced by the ININ Tissue Bank, for the treatment of burns originated by diverse agents like flame, electricity, liquids in boil, chemical reagents, as well as for the reconstruction of the ocular surface. Two of these hospitals treat patients of very low economic

  15. 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.

  16. 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%

  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. 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 ...

  19. 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...

  20. Studying the impact of industry type validation criteria to Legal customers of Bank Saderat Iran using data envelopment analysis

    Directory of Open Access Journals (Sweden)

    Alireza Rajabipour Meybodi

    2013-08-01

    Full Text Available One of the problems of today's banking system is overdue loans. The basic strategy for solving this problem is creating a credit rating system of customers. Financial ratios extracted from financial statements of companies have long been considered as one of the useful tools used for evaluating companies by individuals to predict future conditions. Therefore, in this study, ranking of companies in each industry has been discussed using Data Envelopment Analysis (DEA and a number of inputs and outputs such as financial ratios and other important characteristics from the viewpoint of professors and credit experts. Then, ratings of the inputs and outputs (credit criteria have been identified to distinguish and compare the types of industries using sensitivity analysis. Finally, the values of inputs and outputs have been studied for different industries. The research approach can be used by banks in credit risk management for customers.

  1. Basel III Forthcoming - How Swedish banks perceive the impact of the Basel III Accord and its effect on systemic risk

    OpenAIRE

    Jordbru, Marlene; Sjöqvist, Lina

    2012-01-01

    The banking sector plays an important part of the modern society and a collapse of the financial system would have severe consequences for the society. In order to protect the system from a systemic collapse, regulations have been put in place to ensure a more stable financial system. Because of the financial instabilities experienced in recent years, the Basel Committee has released an improved framework in order to deal with the systemic risk which contributed to the crisis. Parts of the ne...

  2. 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...

  3. Risk of Exposure to Zika Virus and Impact on Cord Blood Banking and Adult Unrelated Donors in Hematopoietic Cell Transplantation: The Canadian Blood Services Experience.

    Science.gov (United States)

    Adams, Zachary; Morris, Gail; Campbell, Todd; Mostert, Karen; Dibdin, Nicholas; Fearon, Margaret; Elmoazzen, Heidi; Mercer, Dena; Young, Kimberly; Allan, David

    2018-04-01

    Zika virus has emerged as a potential threat to the Canadian blood supply system. Stem cell donors within Canadian Blood Services' Cord Blood Bank (CBB) and OneMatch Stem Cell and Marrow Network (OM) now undergo screening measures designed to reduce the risk of Zika virus transmission. The impact these screening measures have on cord blood and unrelated adult stem cell donations is currently unknown. Among 146 donor workups initiated by OM between July 2016 and May 2017, 102 were completed and 44 workups were canceled. There were 17 potential donors (11.6%) with a risk of Zika virus exposure identified by the donor questionnaire (13 completed, 4 canceled workups). None of the workups involved a donor diagnosed with confirmed Zika virus within the past 6 months. Only 1 of the 44 canceled workups (and only 1 of 4 cases with a risk of Zika transmission) was canceled because of the risk of Zika transmission, and a backup donor was selected. Canadian Blood Services' CBB identified 25 of 875 cord blood units (2.9%) from women who donated their infants' cord blood and underwent screening that otherwise met the initial cell number thresholds for banking and had at least 1 risk factor for exposure to Zika virus. No women were diagnosed with Zika virus at any point of their pregnancy. All 25 units were discarded. Unrelated donors at OM have a higher incidence of a risk of exposure to Zika virus compared with cord blood donors. Only rarely did transplant centers cancel donor workups due to potential Zika virus exposure. The impact of screening for Zika virus exposure risk on cord blood banking was minor. Continued vigilance and surveillance is recommended. Copyright © 2017 The American Society for Blood and Marrow Transplantation. Published by Elsevier Inc. All rights reserved.

  4. 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...

  5. Determinants of profitability according to groups of banks in Albania

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Arjeta Hallunovi

    2017-06-01

    Full Text Available The paper analyzed the determinants of profitability of all the commercial banks in Albania, where the banks were analyzed by dividing into groups[1]. These determinants are categorized into two groups, internal and external factors. The objective of the study is to determine the factors that affect the profitability in commercial banks, to show how they differ according to groups of the banks and making some recommendations which can help the management. A panel data with all the commercial banks that operate in Albania is analyzed for the period 2009-2014. To measure the profitability is used the independent variable return on assets. Banking specific factors that are used in this study include variables such as bank size, asset management, credit risk, liquidity of assets, capital adequacy, operational efficiency and cost of financing. On the other hand is taken into consideration only one industry specific factor, which is the concentration and some macroeconomic factors as GDP, exchange rate and inflation. The quantitative data are obtained from the financial statements of commercial banks, INSTAT, Bank of Albania, World Bank and Bankscope, in order to make empirical analysis needed to identify and measure the determinants of bank profitability. In particular, the multiple regression analysis is used to measure the impact of determinants in bank profitability and to realize empirical analysis is used Eviews 7. The results of the study showed a positive relationship between bank size and profitability, statistically important in the group 2, with 1% level of significance. The credit risk had an inverse relation with profitability in the model, statistically significant at 1% level of significance for the group 2 and 5% for the group 1 and 3. While, in terms of macroeconomic factors, GDP had a positive relationship with profitability and it is statistically significant in the group 3. On the other hand, inflation and exchange rate showed a

  6. Evaluation of the potential effects of major oil spills on Grand Banks commercial fish species as a result of impacts on eggs and larvae

    International Nuclear Information System (INIS)

    Hurlbut, S.E.; French, D.P.; Taylor, B.J.

    1991-01-01

    The Natural Resource Damage Assessment Model for Coastal and Marine Environments (NRDAM/CME) developed by the US Department of the Interior was applied to determine potential catch losses of two commercially important species in the event of an oil spill on the Grand Banks of Newfoundland. The model is made of a generalized physical fates model and a biological effects model; a fisheries component of the model estimates the ultimate impact on future adult fish populations and their harvesting. Inputs to the model include numbers of eggs and larvae, volume and nature of spill, chemical characteristics of the crude oil, and oceanographic and meteorological information specific to the spill location. To assess the sensitivity of the model predictions, different simulations each representing a specific combination of biological and physical conditions were carried out. In each case, the number of eggs and larvae killed and subsequent total lost catch as predicted by the model were directly proportional to the assumed egg and larval abundance. The impact on cod was three times that on plaice. In a worst-case situation involving a 90-d summer blowout at the maximum daily flow rate, the totals in lost catch of cod and plaice would be 21 and 7 tonnes respectively. These represent only 0.02% of the total annual Grand Banks catch for both species. 35 refs., 18 figs., 161 tabs

  7. The Impact of Perceived Usefulness, Perceived Ease of Use, Subjective Norm, and Experience Toward Student’s Intention to Use Internet Banking

    Directory of Open Access Journals (Sweden)

    Kevin Danurdoro

    2016-03-01

    Full Text Available The development of internet in Indonesia is quite fast and the majority of users are students. Internet growth made every fields include banking provided internet based service that called internet banking. The purpose of this research is to explore the factors that affect student’s intention to use internet banking by used the combination model of TAM (Technology Acceptance Model. Independent variables used in this research are Perceived Usefulness, Perceived Ease of Use, Subjective Norm, and Experience. While the dependent variable is Student’s Intention to Use Internet Banking. The results show that perceived ease of use and experience are significantly influence students to use internet banking and perceived usefulness and subjective norm are unsignificantly influence students to use internet banking. The usefulness of internet banking did not make the students feel interested to use internet banking, one of the reasons is usefulness of internet banking is limited to non-cash transaction

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

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  9. The impact of smoking on expected lifetime with and without chronic disease among Palestinian men in the West Bank.

    Science.gov (United States)

    Brønnum-Hansen, Henrik; Jonassen, Marie; Shaheen, Amira; Duraidi, Mohammed; Qalalwa, Khaled; Jeune, Bernard

    2018-06-01

    The purpose of the study was to estimate life expectancy and the average lifetime with and without chronic disease among male never smokers, ex-smokers and smokers living in the West Bank of the occupied Palestinian territory. The study used a life table for the West Bank male population and Danish relative risk estimates for death for smokers and ex-smokers vs. never smokers and utilized data from the Palestinian Family Survey 2010. Expected lifetime with and without chronic disease was estimated and the contributions from the mortality and the morbidity effect to smoking related difference in average lifetime with and without chronic disease were assessed by decomposition. In the West bank 40% of the male population are smokers. Life expectancy of 15-year-old Palestinian men who would never start smoking was 59.5 years, 41.1 of which were expected to be without chronic disease. Ex-smokers could expect 57.9 years of remaining lifetime, 37.7 years of which without disease. For lifelong heavy smokers (> 20 cigarettes per day), the expected lifetime was reduced to 52.6 years, of which 38.5 years were without chronic disease. Of the total loss of 6.9 years of life expectancy among heavy smokers, the mortality effect accounted for 2.5 years without and 4.4 years with disease, whereas the morbidity effect was negligible. The high prevalence of smoking causes a considerable loss of life years and lifetime without chronic disease. We recommend the Palestinian health authorities to enforce the anti-smoking law.

  10. Schistosomiasis control in China: the impact of a 10-year World Bank Loan Project (1992-2001).

    Science.gov (United States)

    Xianyi, Chen; Liying, Wang; Jiming, Cai; Xiaonong, Zhou; Jiang, Zheng; Jiagang, Guo; Xiaohua, Wu; Engels, D; Minggang, Chen

    2005-01-01

    China has been carrying out large-scale schistosomiasis control since the mid-1950s, but in the early 1990s, schistosomiasis was still endemic in eight provinces. A World Bank Loan Project enabled further significant progress to be made during the period 1992-2001. The control strategy was focused on the large-scale use of chemotherapy -- primarily to reinforce morbidity control -- while at the same time acting on transmission with the ultimate goal of interrupting it. Chemotherapy was complemented by health education, chemical control of snails and environmental modification where appropriate. A final evaluation in 2002 showed that infection rates in humans and livestock had decreased by 55% and 50%, respectively. The number of acute infections and of individuals with advanced disease had also significantly decreased. Although snail infection rates continued to fluctuate at a low level, the densities of infected snails had decreased by more than 75% in all endemic areas. The original objectives of the China World Bank Loan Project for schistosomiasis control had all been met. One province, Zhejiang, had already fulfilled the criteria for elimination of schistosomiasis by 1995. The project was therefore a success and has provided China with a sound basis for further control.

  11. The impact of diabetic retinopathy on quality of life: qualitative findings from an item bank development project.

    Science.gov (United States)

    Fenwick, Eva K; Pesudovs, Konrad; Khadka, Jyoti; Dirani, Mohamed; Rees, Gwyn; Wong, Tien Y; Lamoureux, Ecosse L

    2012-12-01

    Assessing the efficacy of treatment modalities for diabetic retinopathy (DR) from the patient's perspective is restricted due to a lack of a comprehensive patient-reported outcome measure. We are developing a DR-specific quality of life (QoL) item bank, and we report here on the qualitative results from the first phase of this project. Eight focus groups and 18 semi-structured interviews were conducted with 57 patients with DR. The sessions were transcribed verbatim and iteratively analysed using the constant comparative method and NVIVO software. Participants had a median age of 58 years (range 27-83 years). Twenty-seven (47%) participants had proliferative DR in the better eye, and 14 (25%) had clinically significant macular oedema. Nine QoL domains were identified, namely visual symptoms, ocular surface symptoms, vision-related activity limitation, mobility, emotional well-being, health concerns, convenience, social, and economic. Participants described many vision-related activity limitations, particularly under challenging lighting conditions; however, socioemotional issues were equally important. Participants felt frustrated due to their visual restrictions, concerned about further vision loss and had difficulty coping with this uncertainty. Restrictions on driving were pervasive, affecting transport, social life, relationships, responsibilities, work and independence. Patients with DR experience many socioemotional issues in addition to vision-related activity limitations. Data from this study will be used to generate data for a DR-specific QoL item bank.

  12. 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.

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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

  18. 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.

  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. 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

  1. 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

  2. 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.

  3. [Economic restructuring and impacts on health and mental distress: the case of a state-owned bank in Minas Gerais State, Brazil].

    Science.gov (United States)

    Silva, Luiz Sérgio; Pinheiro, Tarcísio Márcio Magalhães; Sakurai, Emília

    2007-12-01

    Restructuring of the Brazilian financial sector was consolidated through the combination of mass lay-offs, automation, and outsourcing, in addition to business re-engineering with leveling of hierarchical echelons, labor casualization, and multi-function jobs. In order to comply and deal with the new demands, bank employees had to increase their schooling, become multi-functional and expert sales attendants, and submit to substandard conditions in the workplace, increased workload, overtime, and low wages. The purpose of the current study was to examine the restructuring process in a state-owned bank in Minas Gerais State, Brazil, and its impacts on workers' health. The study also analyzes absenteeism rates from 1998 to 2003, when there was an increase in diseases such as repetitive stress injury (RSI)/work-related musculoskeletal disorders (WRMD) and mental/behavioral disorders, accounting for 56% and 19% of sick leaves. The process has continued to the present, with a restrictive recruitment policy. Further study is needed to confirm the results.

  4. 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.

  5. 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.

  6. Organic micropollutant removal from wastewater effluent-impacted drinking water sources during bank filtration and artificial recharge

    KAUST Repository

    Maeng, Sungkyu

    2010-07-01

    Natural treatment systems such as bank filtration (BF) and artificial recharge (via an infiltration basin) are a robust barrier for many organic micropollutants (OMPs) and may represent a low-cost alternative compared to advanced drinking water treatment systems. This study analyzes a comprehensive database of OMPs at BF and artificial recharge (AR) sites located near Lake Tegel in Berlin (Germany). The focus of the study was on the derivation of correlations between the removal efficiencies of OMPs and key factors influencing the performance of BF and AR. At the BF site, shallow monitoring wells located close to the Lake Tegel source exhibited oxic conditions followed by prolonged anoxic conditions in deep monitoring wells and a production well. At the AR site, oxic conditions prevailed from the recharge pond along monitoring wells to the production well. Long residence times of up to 4.5 months at the BF site reduced the temperature variation during soil passage between summer and winter. The temperature variations were greater at the AR site as a consequence of shorter residence times. Deep monitoring wells and the production well located at the BF site were under the influence of ambient groundwater and old bank filtrate (up to several years of age). Thus, it is important to account for mixing with native groundwater and other sources (e.g., old bank filtrate) when estimating the performance of BF with respect to removal of OMPs. Principal component analysis (PCA) was used to investigate correlations between OMP removals and hydrogeochemical conditions with spatial and temporal parameters (e.g., well distance, residence time and depth) from both sites. Principal component-1 (PC1) embodied redox conditions (oxidation-reduction potential and dissolved oxygen), and principal component-2 (PC2) embodied degradation potential (e.g., total organic carbon and dissolved organic carbon) with the calcium carbonate dissolution potential (Ca2+ and HCO3 -) for the BF site

  7. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

    Full Text Available Information systems outsourcing issues has been attracted in recent years because many information systems projects in organizations are done in this case. On the other hand, failure rate of this kind of projects is also high. The aim of this article is to find success factors in risk management of information systems outsourcing in commercial banks using these factors leads to increase the success rate of risk management of information systems outsourcing projects. Research methods in the present article based on purpose are applied and descriptive- survey. In addition, research tool is questionnaire which was used among commercial bank experts. For this purpose, First information systems outsourcing risks were identified and then ranked. In the next step, the information systems outsourcing reasons were surveyed and the most important reasons were identified. Then the risks which have not any relationship with the most important reasons were removed and success factors in managing residual risks were extracted.

  8. Finding of No Significant Impact: Proposed Bank Stabilization Tennessee River River Mile 466.2 - 466.5, Hamilton County, Tennessee

    Science.gov (United States)

    2013-05-02

    Bank erosion is endangering approximately 1,100 feet of a 42-inch concrete gravity sanitary main, two manholes, and a 30-inch iron sanitary sewer...stabilizing the bank. Kingfisher nests are excavated burrows with bare soil along stream banks (USACE, 2009). “Banks with a high content of clay , gravel, or...34’ g -- - -- - - ---- --- -------- 1 LEGEND ESTIMATED 42’’ GRAVITY SEWER LINE ESTIMATED 30’’ FORCE MAIN ® SANITARY SEWER MANHOLE • AUTO

  9. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

    The development of information and communication technology is one of the most important reasons for the incredibly fast changes in business. Electronic commerce is spreading unstoppably in the operations of companies. The creation of new models, such as online banking, online shopping and the like, has sped up the development of the World Wide Web. Owing to the rapid progress of the World Wide Web and technologies for secure business operations, we can barely imagine life today without e...

  10. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

    The authors study environments in which agents may borrow sequentially from more than one leader. Although debt is prioritized, additional lending imposes an externality on prior debt because, with moral hazard, the probability of repayment of prior loans decreases. Equilibrium interest rates are higher than they would be if borrowers could commit to borrow from at most one bank. Even though the loan terms are less favorable than they would be under commitment, the indebtedness of borrowers i...

  11. 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.

  12. 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.

  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. 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…

  15. 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...

  16. 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.

  17. 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...

  18. 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 ...

  19. 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.

  20. 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

  1. Impact of donor- and collection-related variables on product quality in ex utero cord blood banking.

    Science.gov (United States)

    Askari, Sabeen; Miller, John; Chrysler, Gayl; McCullough, Jeffrey

    2005-02-01

    Optimizing product quality is a current focus in cord blood banking. This study evaluates the role of selected donor- and collection-related variables. Retrospective review was performed of cord blood units (CBUs) collected ex utero between February 1, 2000, and February 28, 2002. Preprocessing volume and total nucleated cell (TNC) counts and postprocessing CD34 cell counts were used as product quality indicators. Of 2084 CBUs, volume determinations and TNC counts were performed on 1628 and CD34+ counts on 1124 CBUs. Mean volume and TNC and CD34+ counts were 85.2 mL, 118.9 x 10(7), and 5.2 x 10(6), respectively. In univariate analysis, placental weight of greater than 500 g and meconium in amniotic fluid correlated with better volume and TNC and CD34+ counts. Greater than 40 weeks' gestation predicted enhanced volume and TNC count. Cesarean section, two- versus one-person collection, and not greater than 5 minutes between placental delivery and collection produced superior volume. Increased TNC count was also seen in Caucasian women, primigravidae, female newborns, and collection duration of more than 5 minutes. A time between delivery of newborn and placenta of not greater than 10 minutes predicted better volume and CD34+ count. By regression analysis, collection within not greater than 5 minutes of placental delivery produced superior volume and TNC count. Donor selection and collection technique modifications may improve product quality. TNC count appears to be more affected by different variables than CD34+ count.

  2. The National Bank of Ukraine Communication Strategy Optimization within the Framework of Impact on Exchange Rate Expectations of Economic Agents

    Directory of Open Access Journals (Sweden)

    Roksolana Holub

    2017-09-01

    Full Text Available An important challenge in terms of smoothing excessive exchange rate volatility under the conditions of flexible exchange rate arrangement is optimization of the communication strategy of the country’s monetary regulator. Over the past two decades, communication (information support has become an increasingly important aspect of monetary policy. Communication enables influence of the volatility of financial markets, improvement of the predictability of monetary policy, and helps to achieve macroeconomic objectives. Nevertheless, as of today, consensus on the issue into what the optimal strategy of the central bank communication is has not been reached, either in Ukraine, nor in developed countries yet. Considering the abovementioned, the methodical approaches to improve the central bank’s communication strategies, based on the use of its verbal interventions in the context of smoothing out excessive cyclical volatility of exchange rates of the national currency, are determined in this article. It is suggested to consider the growth of the factor “information signal/information noise” as a criterion of the central bank’s optimal communication strategy. It is proved that the monetary regulator’s main task should be the continual provision of information concerning a fundamentally justified level of the exchange rate and the level of deviation of the actual rate of the national currency from its fundamental-equilibrium level, as of a given time, to the national foreign exchange market participants. The methodological approach to the improvement of information support of forecasting fundamentally specified value of the national currency is outlined.

  3. 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

  4. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

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

    2017-01-01

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

  5. 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

  6. 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.

  7. 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 ...

  8. 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+

  9. 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

  10. 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.

  11. 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...

  12. 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)

  13. 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.

  14. 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...

  15. 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.

  16. Intrusion of beach-disposed dredger spoil into the Mhlathuze ...

    African Journals Online (AJOL)

    Sediment intrusion and its impact on the beds of the seagrass Zostera capensis in the estuary were monitored from 1996 to 1999. Fine sediment did enter the estuary from the marine environment and was deposited mainly in its lower reaches, where its settling on the leaves of Zostera resulted in a major die-back. However ...

  17. 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.

  18. 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...

  19. The Impact of E-Commerce Securi ty, and National Environment on Consumer adoption of Intern et Banking in Malaysia and Singapore

    OpenAIRE

    Yahya Dauda; A. Solucis Santhapparaj; David Asirvatham; Murali Raman

    2007-01-01

    One of the haunting problems of Internet banki ng in Malaysia is the slow in acceptance of this innovative distribution channel for banking products and services. This paper addresses the perceived e-commerce security influence on adoption of Internet banking, and the role of national environmental factors such as attitude, subjective norms, and perceived behavioral control factors towards adoption, and compares these factors with Singapore Internet banking adoption. Th...

  20. 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.

  1. 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.

  2. 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.

  3. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

  4. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  5. 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...

  6. 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.

  7. 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.

  8. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

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

  9. Sending Farmers Back to School: The Impact of Farmer Field Schools in Indonesia. World Bank Policy Research Working Paper.

    Science.gov (United States)

    Feder, Gershon; Murgai, Rinku; Quizon, Jaime B.

    A study evaluated the impact of Farmer Field Schools in Indonesia, an intensive participatory training program emphasizing integrated pest management. Focus was on whether program participation improved yields and reduced pesticide use among graduates and neighbors who gained knowledge through informal communications. It used a modified…

  10. 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....

  11. 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.

  12. 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...

  13. 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

  14. 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 ...

  15. The Impact of Competencies, Risk Management and Auditors Interactions on Internal Audit Effectiveness in Libyan Commercial Banks

    OpenAIRE

    Ashour, Mohamad Salah R; Sukoharsono, Eko Ganis; Ghofar, Abdul

    2015-01-01

    Internal audit (IA) has become an important and integral function of organizations in achieving their objectives and protecting their assets. Nonetheless, IA effectiveness has received scant attention in the literature, especially in the context of developing countries such as Libya. The research aimed To analyze the impact of competencies of the internal audit team, risk management and interaction between internal auditors and audit committees on internal audit effectiveness in Libyan commer...

  16. 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.

  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 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.

  19. The impact of bank's franchise on loan price: With an estimation about bargaining power of China's commercial bank%银行特许权对贷款价格的影响研究:兼论我国商业银行的议价能力

    Institute of Scientific and Technical Information of China (English)

    魏琪; 曾胜

    2017-01-01

    With the deepening of the banking liberalization and market-oriented reform of interest rate controls,it would be an inevitable trend for banks and enterprises to determine the loan price by negotiation,so the role of the bargaining power in the loan pricing process will become more prominent.However,the existing literature mostly discussed the issue of loan pricing by focus on the product attribute of loan and the financial intermediary attribute of banks which ignored the properties of general merchandise of loans,so we barely knew the loan pricing mechanism form the perspective of market player's bargaining power,especially the bargaining power which came from bank's franchise and its impacts on loan price.This is neither conducive for us to understand the process of capital pricing correctly,nor comprehensive understanding the role of bank's franchise in loan pricing.This paper established a bargaining game model to analyze the formation mechanism of loan pricing with the market trend,and influences of bank's franchise on the loan prices negotiation.Based on this,this paper did an empirical study on the determinants of loan pricing by using two-tier stochastic frontier model and the data of 104 China's commercial bank from 2005 to 2013,measured commercial bank's bargaining power and its impact degree on loan prices.The study found:Firstly,franchise brought banks monopoly and operational superiority,which made banks have lower negotiation cost and stronger bargaining power,so as to get a strong position in the loan price negotiation to make the negotiation reach a higher transaction price;Secondly,beside the benchmark interest rate,loan cost,credit risk,the market structure of banking and the level of inflation were the major factors to determine the price of the loan.And the barging between the lender and borrower could lead to loan price fluctuation.Thirdly,although interest rate control limited the bargaining space of loan price,with monopoly power and

  20. 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.

  1. 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.

  2. 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.

  3. 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...

  4. 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.

  5. Simulation of Impacts of Changing in the International Standard of Financial Instruments (IFRS 9 in the Major Brazilian Banks

    Directory of Open Access Journals (Sweden)

    Samir Sayed

    2013-04-01

    Full Text Available This article aimed to verify the impact of changes in the net profit and their respective volatilities resulting from changes of the international standard of financial instruments, from IAS 39 to IFRS 9, in regard to aspects: (i the future change in the methodology of the impairment calculated e (ii the elimination of the category "available for sale" and their reclassification to the category "fair value through profit or loss". The study was based on simulations in profits expected to sixteen quarters, from 31/12/2010 to 31/12/2014, to the five largest financial institutions in Brazil. For such simulations it were projected interest rates that fluctuate according to the estimated model of the term structure of interest rates using the Monte Carlo method. According to the projected interest rates set new credit risk levels, which resulted changes in the impairment and fair value of financial assets previously classified as available for sale. The results showed an early impact in Q1, in view of their adaptation to the new standard. Subsequently, there was no significant change in the results and their respective volatilities.

  6. Long-term impact of the World Bank Loan Project for schistosomiasis control: a comparison of the spatial distribution of schistosomiasis risk in China.

    Science.gov (United States)

    Zhang, Zhijie; Zhu, Rong; Ward, Michael P; Xu, Wanghong; Zhang, Lijuan; Guo, Jiagang; Zhao, Fei; Jiang, Qingwu

    2012-01-01

    The World Bank Loan Project (WBLP) for controlling schistosomiasis in China was implemented during 1992-2001. Its short-term impact has been assessed from non-spatial perspective, but its long-term impact remains unclear and a spatial evaluation has not previously been conducted. Here we compared the spatial distribution of schistosomiasis risk using national datasets in the lake and marshland regions from 1999-2001 and 2007-2008 to evaluate the long-term impact of WBLP strategy on China's schistosomiasis burden. A hierarchical Poisson regression model was developed in a Bayesian framework with spatially correlated and uncorrelated heterogeneities at the county-level, modeled using a conditional autoregressive prior structure and a spatially unstructured Gaussian distribution, respectively. There were two important findings from this study. The WBLP strategy was found to have a good short-term impact on schistosomiasis control, but its long-term impact was not ideal. It has successfully reduced the morbidity of schistosomiasis to a low level, but can not contribute further to China's schistosomiasis control because of the current low endemic level. A second finding is that the WBLP strategy could not effectively compress the spatial distribution of schistosomiasis risk. To achieve further reductions in schistosomiasis-affected areas, and for sustainable control, focusing on the intermediate host snail should become the next step to interrupt schistosomiasis transmission within the two most affected regions surrounding the Dongting and Poyang Lakes. Furthermore, in the lower reaches of the Yangtze River, the WBLP's morbidity control strategy may need to continue for some time until snails in the upriver provinces have been well controlled. It is difficult to further reduce morbidity due to schistosomiasis using a chemotherapy-based control strategy in the lake and marshland regions of China because of the current low endemic levels of infection. The future control

  7. Long-term impact of the World Bank Loan Project for schistosomiasis control: a comparison of the spatial distribution of schistosomiasis risk in China.

    Directory of Open Access Journals (Sweden)

    Zhijie Zhang

    Full Text Available BACKGROUND: The World Bank Loan Project (WBLP for controlling schistosomiasis in China was implemented during 1992-2001. Its short-term impact has been assessed from non-spatial perspective, but its long-term impact remains unclear and a spatial evaluation has not previously been conducted. Here we compared the spatial distribution of schistosomiasis risk using national datasets in the lake and marshland regions from 1999-2001 and 2007-2008 to evaluate the long-term impact of WBLP strategy on China's schistosomiasis burden. METHODOLOGY/PRINCIPAL FINDINGS: A hierarchical Poisson regression model was developed in a Bayesian framework with spatially correlated and uncorrelated heterogeneities at the county-level, modeled using a conditional autoregressive prior structure and a spatially unstructured Gaussian distribution, respectively. There were two important findings from this study. The WBLP strategy was found to have a good short-term impact on schistosomiasis control, but its long-term impact was not ideal. It has successfully reduced the morbidity of schistosomiasis to a low level, but can not contribute further to China's schistosomiasis control because of the current low endemic level. A second finding is that the WBLP strategy could not effectively compress the spatial distribution of schistosomiasis risk. To achieve further reductions in schistosomiasis-affected areas, and for sustainable control, focusing on the intermediate host snail should become the next step to interrupt schistosomiasis transmission within the two most affected regions surrounding the Dongting and Poyang Lakes. Furthermore, in the lower reaches of the Yangtze River, the WBLP's morbidity control strategy may need to continue for some time until snails in the upriver provinces have been well controlled. CONCLUSION: It is difficult to further reduce morbidity due to schistosomiasis using a chemotherapy-based control strategy in the lake and marshland regions of China

  8. Beyond the cold hit: measuring the impact of the national DNA data bank on public safety at the city and county level.

    Science.gov (United States)

    Gabriel, Matthew; Boland, Cherisse; Holt, Cydne

    2010-01-01

    Over the past decade, the Combined DNA Index System (CODIS) has increased solvability of violent crimes by linking evidence DNA profiles to known offenders. At present, an in-depth analysis of the United States National DNA Data Bank effort has not assessed the success of this national public safety endeavor. Critics of this effort often focus on laboratory and police investigators unable to provide timely investigative support as a root cause(s) of CODIS' failure to increase public safety. By studying a group of nearly 200 DNA cold hits obtained in SFPD criminal investigations from 2001-2006, three key performance metrics (Significance of Cold Hits, Case Progression & Judicial Resolution, and Potential Reduction of Future Criminal Activity) provide a proper context in which to define the impact of CODIS at the City and County level. Further, the analysis of a recidivist group of cold hit offenders and their past interaction with law enforcement established five noteworthy criminal case resolution trends; these trends signify challenges to CODIS in achieving meaningful case resolutions. CODIS' effectiveness and critical activities to support case resolutions are the responsibility of all criminal justice partners in order to achieve long-lasting public safety within the United States.

  9. 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

  10. 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

  11. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  12. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  13. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  14. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  15. 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

  16. A Classroom Experiment on Banking

    Science.gov (United States)

    Kassis, Mary Mathewes; Hazlett, Denise; Ygosse Battisti, Jolanda E.

    2012-01-01

    This classroom experiment uses double oral auction credit markets to illustrate the role of banks as financial intermediaries. The experiment demonstrates how risk affects market interest rates in the presence of asymmetric information. It provides fodder for a discussion of the moral-hazard problem of deposit insurance and its impact on depositor…

  17. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  18. 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.

  19. GenBank

    OpenAIRE

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

    2002-01-01

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

  20. 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.

  1. 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.

  2. 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.

  3. 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

  4. 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

  5. Screening of external hazards for NPP with bank type reactor. Modeling of safety related systems and equipment for RBMK. Probabilistic assessment of NPP safety on aircraft impact. Progress report

    International Nuclear Information System (INIS)

    Kostarev, V.

    1999-01-01

    This progress report was produced within the frame of IAEA research project on screening the hazards for NPP with bank type reactor. It covers the following tasks; development of the model for the primary loop system of RBMK; developing the models for safety related equipment of RBMK; developing of models for safety related models of EGP-6 type reactor (Bilibinskaya Nuclear Co-generated heat and Power Plant); and probabilistic assessment of NPP safety on aircraft impact

  6. 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.

  7. 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.

  8. 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...

  9. 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...

  10. 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...

  11. 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

  12. An assessment of processes for the manufacture of synthetic aggregates from colliery spoil

    Energy Technology Data Exchange (ETDEWEB)

    Nixon, P J; Gartner, E M

    1980-09-01

    Following the laboratory development of a process for the manufacture of synthetic aggregates from colliery spoil for use in structural concrete, a technical and economic assessment of possible processing routes is reported. Rotary kilns, multi-hearth furnaces, sinter-strands, shaft kilns and fluidised bed furnaces are considered and capital and running costs for the various processes are estimated. It is concluded that the initial capital costs of plant are the main barrier to successful exploitation. The cost of fuel for sintering is over-shadowed by the costs of capital investment and electric power, so efforts to reduce fuel consumption are unlikely to make a process economic in themselves.

  13. 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

  14. Mine spoil prairies expand critical habitat for endangered and threatened amphibian and reptile species

    Science.gov (United States)

    Lannoo, Michael J.; Kinney, Vanessa C.; Heemeyer, Jennifer L.; Engbrecht, Nathan J.; Gallant, Alisa L.; Klaver, Robert W.

    2009-01-01

    Coal extraction has been occurring in the Midwestern United States for over a century. Despite the pre-mining history of the landscape as woodlands, spent surface coalfields are often reclaimed to grasslands. We assessed amphibian and reptile species on a large tract of coal spoil prairie and found 13 species of amphibians (nine frog and four salamander species) and 19 species of reptiles (one lizard, five turtle, and 13 snake species). Two state-endangered and three state species of special concern were documented. The amphibian diversity at our study site was comparable to the diversity found at a large restored prairie situated 175 km north, within the historic prairie peninsula.

  15. 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...

  16. 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...

  17. 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...

  18. THE ACTIVITIES OF THE NATIONAL BANK OF UKRAINE ON THE OPEN MARKET: OPERATION WITH CERTIFICATES OF DEPOSITS

    OpenAIRE

    Yuliia Harkusha

    2016-01-01

    In the article investigated the activities of the National Bank of Ukraine on the open market. The analysis of operations of the National Bank of Ukraine banks to raise funds placing deposit certificates. Defined impact operations of the central bank's own debt securities to trading volumes deposit certificates of the National Bank of Ukraine on the stock market and the credit activity of banks. Identified problems interest rate policy and the ways to overcome them. Key words: National Bank o...

  19. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  20. 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.

  1. 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...

  2. 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 ...

  3. 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

  4. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  5. 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.

  6. 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.

  7. 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.

  8. 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

  9. 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

  10. 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

  11. 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.

  12. 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.

  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. 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.

  15. 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...

  16. 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...

  17. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  18. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  19. GenBank

    Data.gov (United States)

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

  20. 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.

  1. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  2. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  3. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  4. GenBank

    OpenAIRE

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

    2006-01-01

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

  5. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  6. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

    The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

  7. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  8. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  9. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

    The NEA Data Bank provides the nuclear data and computer programs necessary for reactor design and other calculations over a wide range of nuclear energy applications. The role which the Data Bank plays in international cooperation efforts, and the procedures to follow to obtain data and programs from the Data Bank are described. (Auth.)

  10. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  11. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  12. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  13. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

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

  14. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  15. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  16. An experimental study on dredge spoil of estuarine sediments in the bay of seine (France): A morphosedimentary assessment

    Science.gov (United States)

    Marmin, Stella; Lesueur, Patrick; Dauvin, Jean Claude; Samson, Sandrine; Tournier, Patrice; Gallicher Lavanne, Albert; Dubrulle-Brunaud, Carole; Thouroude, Coralie

    2016-03-01

    Studies on the consequences of dredging on estuarine morphology and its sedimentary dynamics are common, but the impacts of dumping dredge spoil in coastal open settings are rarely found in scientific literature. An experimental study was conducted over the period 2012-2013 to monitor the physical impacts of dredged material dumped at two adjacent sites (one million cubic metres at each) on the inner shelf of the Bay of Seine in France (eastern part of the English Channel, La Manche). As recently reinforced in the EU Marine Strategy Framework Directive (MSFD), knowledge on the location and intensity of human impacts (e.g. on marine ecosystems) is critical for effective marine management and conservation. So, two methods of disposition were tested to evaluate the impacts of dumping on the environment and thus propose recommendations for future dumping. The strategy is based on a Before-After-Control-Impact (BACI) approach, in which the spatio-temporal variability was studied by analysing the morphological and sedimentological characteristics over a period of 28 months, from November 2011 to April 2014, also including recovery of the seafloor after cessation of the dumping activities. The first experimental dumping operation (MASED) was carried out regularly for 8 months at a single point and generating a conical deposit of 5 m in height, while the second dumping (MABIO) lasted for 12 months involving four steps in the dumping process. In the second case, a wider area was covered, leading to the formation of a smaller deposit of 2 m in height. The dumped deposits consisted of muddy fine sand, whereas the inner shelf seafloor in this area is covered with fine to medium sand. As a result, muddy fine sand accumulated at or near the two dumping sites, with a maximum mud (i.e. particles4 Φ) content of 50% compared todredged material remained at the end of the dumping periods. After dumping ceased, a further 5% of material for MABIO and 20% for MASED, was transported out

  17. 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

  18. 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

  19. 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.

  20. 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...