WorldWideScience

Sample records for spoil bank impacts

  1. Does the sequence of plant dominants affect mycorrhiza development in simulated succession on spoil banks?

    Czech Academy of Sciences Publication Activity Database

    Püschel, David; Rydlová, Jana; Vosátka, Miroslav

    2008-01-01

    Roč. 302, 1-2 (2008), s. 273-282 ISSN 0032-079X R&D Projects: GA MŠk(CZ) 1M0571 Institutional research plan: CEZ:AV0Z60050516 Keywords : arbuscular mycorrhizal fungi * plant succession * spoil banks Subject RIV: EF - Botanics Impact factor: 1.998, year: 2008

  2. 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

  3. 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

  4. 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

  5. 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.

  6. Water and materials balances of a spoil bank of an abandoned uranium mine in the Freital district, Sachsen

    International Nuclear Information System (INIS)

    Biehler, D.

    2000-01-01

    Sanitation of former uranium mines started immediately after uranium mining in East Germany was abandoned in 1990. In the case of shaft 1 of the Dresden-Gittersee mine, a multilayer mineral sealing system was decided. As required by the radiation protection authorities, the Wismut GmbH initiated a detailed hydrogeological expert's opinion including a forecast of the long-term effects of sealing on the basis of hydrogeological data and a material flow analysis for the spoil bank [de

  7. 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.

  8. 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

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

    Czech Academy of Sciences Publication Activity Database

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

    2008-01-01

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

  10. 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

  11. 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.

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1990-01-01

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

  13. Plains hydrology and reclamation project: Spoil ground-water chemistry and its impacts on surface water

    Energy Technology Data Exchange (ETDEWEB)

    Trudell, M.R.

    1988-01-01

    Description of the chemical makeup of spoil groundwater at Diplomat and Vesta mines in the Battle River mining area, 200 km southeast of Edmonton within the Lower Horseshoe Canyon coal zone; and at Highvale and Whitewood Mines in the Lake Wabamun mining area, 100 km west of Edmonton within the Ardley coal zone. This report compares the chemical characteristics of the spoil groundwater for each mine to those of the principal premining aquifer that is disrupted by surface mining. The characterization of spoil groundwater chemistry is based on the sampling and analyses of groundwater from piezometers installed in reclaimed areas. Forty-three samples were collected from 23 piezometers at Vesta Mine, and 54 samples were collected from 32 piezometers at Diplomat Mine. At Highvale Mine, 29 samples were collected from 13 piezometers installed in the reclaimed area at Pit 01. Eleven samples were also collected from piezometers installed in spoil at Whitewood Mine to augment a study of that site.

  14. Edaphic restoration of the spoil banks of lignite mines in Galicia. Recuperacion edafica de los escombreras de minas de lignito en Galicia. Caracterizacion de los materiales esteriles

    Energy Technology Data Exchange (ETDEWEB)

    Leiros de la Pena, M.C.; Gil Sotres, F.; Carballas Fernandez, M.; Codesido Lopez, C.; Gonzalez Sangregorio, M.V.; Seoane Lavandeira, S.; Guitian Ojea, F. (Univ. of Santiago, La Coruna (Spain). Fac. Farm., Lab. Edafol.)

    1989-01-01

    We report physical, chemical and mineralogical properties of four lignite spoils from the mines at Meirama and As Pontes (La Coruna, NW Spain). The low acidity, zero pyrite content and balanced texture of the Meirama spoils suggest that their recovery as viable soil will not be difficult, whereas recovery of the As Pontes spoils (P1 and P2) is hindered by their low pH, high total acidity and the presence of pyrites. The greatest contribution to total acidity is the residual fraction in P1 and the soluble and exchange fractions in P2. Different recovery strategies should be used for these two spoils. 2 figs., 10 tabs., 20 refs.

  15. Impact of plantation on ecosystem development in disturbed coal mine overburden spoils

    Energy Technology Data Exchange (ETDEWEB)

    Banerjee, S.K.; Mishra, T.K.; Singh, A.K.; Jain, A. [Tropical Forest Research Inst., Jabalpur (India)

    2004-07-15

    Eleven nitrogen fixing and one non-nitrogen fixing tree species were planted in coal mine overburden spoils of Bisrampur colliery at Surguja district, Chattisgarh, India in 1993. Their growth performance at one, two, four, six and eight years was recorded. It was observed that after eight years of planting, Acacia mangium performed very well in respect to all the growth parameters followed by A. holoserecia, Dalbergia sissoo, Albiziaprocera, Pithecellobium dulce, Acacia auriculiformis and Gmelina arborea. Acacia nilotica showed very poor performance. The number of natural colonisers increased with increasing age of the planted species. Nutrient status of the spoils also increased gradually with the increase in age of the plants. Organic carbon increased greatly and, as a result, activities of bacteria, actinomycetes and fungi accelerated. This study indicated that the spoil environment, which is extremely harsh just after mining, could be improved gradually and the ecosystem restored by planting suitable species. Therefore, for early development of the ecosystem, afforestation with suitable leguminous species is recommended.

  16. Investigating the Psychological Impact of Bank Robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Armour, Cherie; Shevlin, Mark

    2014-01-01

    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...... 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...

  17. The impact of foreign bank entry on domestic banking markets : a note

    NARCIS (Netherlands)

    Hermes, Niels; Lensink, Robert

    2001-01-01

    Claessens, et al. (2001) empirically investigate the impact of foreign bank entry on domestic banking markets. They show that foreign bank entry reduces income, profits and costs of domestic banks. They conclude that foreign entry improves the functioning of national banking markets through

  18. 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.

  19. The impact of bank size and funding risk on bank stability

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available Does bank size significantly explain the variations in bank stability? Does bank funding risk significantly impact bank stability? This paper addresses these two questions with data from the rural banking industry in Ghana. Controlling for credit risk, liquidity risk, diversification in the business model, profitability, inflation, financial structure and gross domestic product, the results suggest that an increase in the size of a rural bank results in an increase in its stability. The results also show that funding risk positively impacts bank stability. The positive relationship between size and bank stability has important repercussions for the current debate on whether or not to constrain bank size to insulate the financial system from future crisis. The positive relationship between funding risk and bank stability also has important implications for the current debate on funding of retail banks.

  20. 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...

  1. 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...

  2. 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

  3. 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

  4. 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.

  5. The economic impact of central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.

    2008-01-01

    During the last decades a lot of central banks have become more transparent about their monetary policy. The research question that is addressed in this book is whether central bank transparency is desirable from an economic viewpoint. It is shown that transparency increases have been beneficial.

  6. 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 ...

  7. 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.

  8. The impact of electronic banking on profitability and market share: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2014-12-01

    Full Text Available This paper presents an empirical investigation to study the effects of electronic banking devices such as automated telling machines (ATM, Point of sales (POS and Pin Pad on profitability and market share in Iranian banking industry. The population of this study considers the information of 16 banks, five governmental and eleven private, over the period 2007-2012. Using two regression techniques, the study has detected that while Pin Pad may influence on return of assets positively, ATM and POS may not have any meaningful impact on profitability. Moreover, in our survey, none of technological facilities had a meaningful impact on market share but there was a positive and meaningful relationship between bank size and market share.

  9. 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

  10. 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,

  11. Impact of leadership style on bank profitability: Case study of a bank in Bosnia and Herzegovina

    Directory of Open Access Journals (Sweden)

    Adisa Delić

    2017-01-01

    Full Text Available The goal of this paper is to demonstrate the extent to which the quality of the leader-follower relationship, expressed by the LMX coefficient, affects the bank profitability. Banks characterised by a high level of LMX possess a successful social atmosphere and interpersonal relationships, which is reflected in the emotional support and willingness to share resources, knowledge, and information between employees. Such a relationship between leaders and followers contributes to creating favourable social atmosphere, significantly affecting the overall performance of banks. Empirical research presented in this paper uses the data collected from a business network of a specifically selected Bank. The data was collected via a modified version of the LMX-7 questionnaire, focusing on each branch of a selected bank. Concrete indicators were analyzed (such as net profit margin, ROA, and ROE, which helped establish a link between profitability and the degree of leader-follower communication exchange (measured by LMX coefficient. The results reveal that the applied leadership style directly impacted on the profitability of a selected bank, indicating that this finding could be used as input for management systems of similar financial institutions as well as a catalyst for further research in this field.

  12. Intellectual Capital (IC Determinants: Impact on Productivity of Islamic Banks

    Directory of Open Access Journals (Sweden)

    Muhammad Ridhwan Ab. Aziz

    2017-11-01

    Full Text Available This research aimed to investigate the relationship between the Intellectual Capital (IC efficiency empirically. It consisted of human capital, structural capital, capital employed, and relational capital with the impact on the productivity of Islamic banks in Malaysia. The Pulic’s Value-Added Intellectual Coefficient (VAIC method with the extended and modified version introduced by former scholars was used to measure IC, whereas bank productivity was measured through Assets Turnover Ratio (ATO. Three internal factors that might have determinants effect on VAIC, namely bank size, bank risks, and leverage were further tested to find their relationship. Structural stability tests and dynamic regression models for panel data were also used for the data of 16 Islamic banks in Malaysia from 2009 to 2016. The panel-corrected standard errors estimation technique was used to estimate a panel regression model with bank productivity and VAIC as the dependent variables. The regression analysis suggests that Malaysian Islamic banks are depending heavily on the capital employed component of intellectual capital, followed by human capital, structural capital, and relational capital. The results also suggest that bank’s risks and leverage play a major role in determining intellectual capital. The findings may serve as a useful input for Islamic bankers to indicate whether the contribution of intellectual capital and its components needs further improvement which it has produced the best results, and internal factor might affect IC.

  13. 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.

  14. Environmental impacts and regulatory policy implications of spray disposal of dredged material in Louisiana wetlands

    Science.gov (United States)

    Cahoon, D.R.; Cowan, J.H.

    1988-01-01

    The capabilities of a new wetland dredging technology were assessed along with associated newly developed state and federal regulatory policies to determine if policy expectations realistically match the technological achievement. Current regulatory practices require amelioration of spoil bank impacts upon abandonment of an oil/gas well, but this may not occur for many years or decades, if at all. Recently, a dreding method (high-pressure spray spoil disposal) was developed that does not create a spoil bank in the traditional sense. Its potential for reducing environmental impacts was recognized immediately by regulatory agencies for whom minimizing spoil bank impacts is a major concern. The use of high-pressure spray disposal as a suitable alternative to traditional dreding technology has been adopted as policy even though its value as a management tool has never been tested or verified. A qualitative evaluation at two spoil disposal sites in saline marsh indicates that high-pressure spray disposal may indeed have great potential to minimize impacts, but most of this potential remains unverified. Also, some aspects of current regulatory policy may be based on unrealistic expectations as to the ability of this new technology to minimize or eliminate spoil bank impacts.

  15. The Impact of Non-performing Loans on Bank Lending Behavior: Evidence from the Italian Banking Sector

    Directory of Open Access Journals (Sweden)

    Doriana CUCINELLI

    2015-11-01

    Full Text Available The aim of this study is to understand the bank lending behavior during financial crisis, in particular whether an increase of credit risk during this period can lead banks to reduce their lending activity. A second object is to investigate whether cooperative and commercial banks show different behaviors. The analysis is based on a sample of Italian banks (listed and no listed, an example of a country undergoing a credit crunch. The sample consists of 488 listed and unlisted Italian banks observed 2007-2013. Unlisted banks are included because they are the most numerous in the Italian banking system. Findings show a negative impact of credit risk on bank lending behavior, with regard to both credit risk measures: the nonperforming loans and the loan loss provision ratio.

  16. 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

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

    African Journals Online (AJOL)

    The paper examines the short and long run impact of bank and stock market developments on growth in Zimbabwe using annual data from 1988-2012, inclusive. The study uses a financially-augmented production growth function and applies the Auto Regressive Distributed Lag (ARDL) approach and the error correction ...

  18. 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 ...

  19. 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

  20. THE IMPACT OF CORPORATE GOVERNANCE MECHANISMS ON RISK MANAGEMENT: EVIDENCE FROM COMMERCIAL BANKS IN ETHIOPIA

    OpenAIRE

    Abate, Sewale; ZELEKE, Girma

    2014-01-01

    The risk positions of Ethiopian banks have been under tension since 2007 as per the National Bank of Ethiopia report (2009). However, existing theory on the impact of corporate governance mechanisms on bank risk-taking still remains limited and the evidence is conflicting. Most studies concentrate on US and European banks, while empirical evidence has remained scarce for Ethiopian banks. Added to that, to my knowledge, there are almost no papers on this subject for commercial banks in Ethiopi...

  1. 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...

  2. 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.

  3. The impact of financial liberalization on bank efficiency : evidence from Latin America and Asia

    NARCIS (Netherlands)

    Hermes, Niels; Vu Thi Hong Nhung, [No Value; Vu, N.T.H.

    2010-01-01

    This article investigates the impact of financial liberalization on bank efficiency, using data for a sample of over 4000 bank-year observations from ten emerging economies for the period 1991-2000. We use Data Envelopment Analysis (DEA) to calculate bank efficiency at the individual bank level.

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

    Directory of Open Access Journals (Sweden)

    Driton Balaj

    2010-12-01

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

  5. The impact of environmental factors on bank efficiency: A parametric analysis of Hong Kong banking sector

    OpenAIRE

    Deng, Wenyang

    2012-01-01

    This paper examines the X-efficiency of Hong Kong banks cover the period of year 2006 to 2011. The goal of this analysis is to identify the impacts brought by environmental variables on Hong Kong banking’s efficiency, especially the tighter business cooperation between Hong Kong and Mainland China and 2008 sub-prime financial crisis erupted in USA. To conduct this analysis, a stochastic input distance function is utilized and a two-stage research structure is constructed. Results show t...

  6. 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

  7. 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.

  8. 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.

  9. 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.

  10. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

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

  11. Edaphic restoration of the spoil banks of lignite mines in Galicia. Recuperacion edafica de los escombreras de minas de lignito en Galicia. 2(Influencia del encalado sobre les formas de acidez)

    Energy Technology Data Exchange (ETDEWEB)

    Gil Sotres, F.; Leiros de la Pena, M.C.; Gonzalez Sangregorio, M.V.; Seoane Lavandeira, S.; Codesido Lopez, C.; Guitian Ojea, F. (Univ. Santiago, La Coruna (Spain). Fac. Farm., Lab. Edafol.)

    1989-01-01

    The influence of liming on clay spoil from the lignite mine at As Pontes (La Coruna, NW Spain), which has high soluble and exchange acidity and contains sulphur as pyrites, was studied in a 4 x 4 latin square experiment in which the plots were treated with 20 Tm CaCO{sub 3}/Ha, 40 Tm CaCO{sub 3}/Ha, 28 Tm Ca(OH){sub 2}/Ha or nothing. The various acidity fractions of the plots were monitored from July 1987 to May 1988. Though pH rose initially, to the extent that soluble and exchange acidity was virtually eliminated from the most heavily limed plots, all plots eventually regained the acidity spectrum of the controls. The cause of the poor efficiency of liming and of the difference between the performances of CaCO{sub 3} and Ca(OH){sub 2} is discussed. 5 figs., 6 tabs., 1 plot., 21 refs.

  12. 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

  13. 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...

  14. 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...

  15. The Impact Of Globalisation On Banking Service Quality In Zimbabwe (2003-2008)

    OpenAIRE

    Kosmas Njanike

    2010-01-01

    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...

  16. The impacts of risk and competition on bank profitability in China

    OpenAIRE

    Tan, Aaron Yong

    2016-01-01

    Several rounds of banking reforms in China have aimed to increase the competitive condition and further enhance stability in the Chinese banking sector, while the joint effects of competition and risk-taking behaviour on the profitability in the banking sector have not been studied well enough so far in the literature. The current study contributes to the empirical literature by testing the impacts of risk and competition on profitability in the Chinese banking industry (state-owned, joint-st...

  17. Environmental impacts of abandoned dredged soils and sediments. Available options for their handling, restoration and rehabilitation

    Energy Technology Data Exchange (ETDEWEB)

    Ohimain, E.I. [Rohi Biotechnologies Ltd, Warri, Delta State (Nigeria); Andriesse, W. [Alterra Environmental Sciences, Wageningen Univ. and Research Center, Wageningen (Netherlands); Mensvoort, M.E.F. van [Lab. of Soil Science and Geology, Dept. of Environmental Sciences, Wageningen Univ. and Research Center, Wageningen (Netherlands)

    2004-07-01

    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 problems. The extent of these impacts is not exactly known, but was inferred from the activities of oil companies operating in the area. This paper describes the impacts following the disturbance of sulfidic sediment through dredging and by subsequent poor spoil management practices. Environmental impacts of exposed and abandoned sulfidic sediments. The practice of dumping and abandoning sulfidic dredged spoils along canal banks triggers a series of environmental problems leading to extreme acidification, heavy metal pollution, and general habitat degradation which prevent the re-colonization of the sites by native species. The resultant spoil dumps remain bare for several years and they become colonized by invasive species later. Later still they may become attractive to the local population as sites for houses, fishing camps and home gardens, which is nevertheless regarded as a positive impact. Management of abandoned sulfidic spoil dumps. As a panacea to environmental problems caused by the sulfidic spoils, they need to be properly handled to prevent their acidification. This should be followed by mangrove restoration to pristine conditions or rehabilitation to other beneficial uses. (orig.)

  18. 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.

  19. 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.

  20. 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

  1. 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.

  2. The Impact of Banking and Fringe Banking Regulation on the Number of Unbanked Americans

    Science.gov (United States)

    Washington, Ebonya

    2006-01-01

    Thirty-five to 45 percent of low-income American households do not possess a bank account. This statistic coupled with claims of price gouging by check cashers has prompted government intervention. The author finds that state legislation requiring banks to offer low-cost accounts slightly decreases the number of low-income minority unbanked…

  3. 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

  4. 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

    Purpose – The purpose of this paper is to ask two questions. How does the customer's loyalty in the banking sector change (at both the structural and quantitative level) in the light of the financial and banking crises? Are any differences observed in those changes between developing and develope...

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

    Energy Technology Data Exchange (ETDEWEB)

    Monterroso, C.; Macias, F. [Universidad de Santiago, Santiago (Spain). Dept. de Edafologia y Quimica Agricola

    1998-07-01

    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{sub 2}O{sub 2} (pH of oxidation = pH{sub 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{sub T}) varied between {lt} 0.01% and {gt} 3%, with pyritic-S being the most common form ({gt} 80%). pH{sub OX} varied between 1.6 and 6.4 and NAP between 1.2 and 85.0 Kg-CaCO{sub 3}t{sup -1}. A high correlation was found between the NAP and the S{sub T}(r-0.98, p{lt} 0.001). Spoils with S{sub T} {gt} 0.15% cause high risks of mine-soil acidification, and create the need for large doses of CaCO{sub 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{sub T}. 20 refs., 5 figs., 1 tab.

  6. 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.

  7. 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.

  8. 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

  9. BASEL III IMPACT ON ROMANIAN BANKING SYSTEM PERFORMANCE

    OpenAIRE

    Mariana G. NEDELCU (BUNEA)

    2014-01-01

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

  10. 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.

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

    OpenAIRE

    Umanhonlen O. Felix; Umanhonlen I. Rebecca; Omoruyi K. Igbinoba

    2015-01-01

    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 ...

  12. 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.

  13. 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...

  14. 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…

  15. 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.

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

    African Journals Online (AJOL)

    1992 – 2006) ... International Journal of Development and Management Review ... be a policy framework that constrains the microfinance banks to channel a minimum percentage of their deposit to productive sector of the economy in form of credit ...

  17. 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....

  18. Impact of Cost Efficiency on Bank Capital and the Cost of Financial Intermediation: Evidence from BRICS Countries

    Directory of Open Access Journals (Sweden)

    Mohammed Mizanur Rahman

    2017-12-01

    Full Text Available Over last two decades, emerging and developing nations have desperately endeavored for efficient banking sectors. In this study, we argue that bank efficiency generates incentives that can impact banks’ capital holdings and the cost of financial intermediation. Analyzing a panel dataset of 1190 banks from BRICS (Brazil, Russia, India, China, South Africa countries over the period 2007–2015, we find robust evidence that more efficient banks hold higher capital and charge lower financial intermediation costs. In an extended sample over the period 2000–2015, we observe that cost efficiency had a marginal positive impact on bank capital during the global financial crisis of 2007–2009. We also observe that on average, banks increased the cost of financial intermediation during the crisis, however, greater efficiency helped banks to not charge higher intermediation costs. Our results imply the beneficial impact of bank efficiency for bank stability and real economy.

  19. 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.

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

    OpenAIRE

    Andreea Nicoleta POPOVICI

    2014-01-01

    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 acquisi...

  1. 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.

  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. 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.

  4. 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.

  5. 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

  6. Reputational risk impact of internal frauds on bank customers in ...

    African Journals Online (AJOL)

    ... laws to coherently safeguard lenders and borrowers. The study recommends a stiffer control measures within all financial organizations in the country as well as the enactment of enabling laws by the government to checkmate these ugly incidences. Keywords: Internal bank frauds, Forgeries, Internal control, Compliance, ...

  7. 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.

  8. Impact of E-Commerce on Organization Performance; Evidence from Banking Sector of Pakistan

    OpenAIRE

    Azeem, Muhammad Mehtab; Ozari, Assit.Prof. Dr.Cidgem; Marsap, Prof.Dr.Akin; Arhab, Prof. Dr.Said; Jilani, Abdul Haseeb

    2015-01-01

    In the recent years, E-banking is one of the most important revolutions in the banking sector of Pakistan. This study measures the impact of e commerce (B2B, B2C, C2C) on organization performance (Business operation, Job performance, Customer satisfaction).The sample of this research is collected from the banking sector of Pakistan from the period of 6 to 8 months by using 50 samples filling online from the period 2012 to 2013. Results show that there is positive relationship between e-commer...

  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. IMPACT OF GLOBALIZATION ON BANKING PRODUCTS AND SERVICES

    Directory of Open Access Journals (Sweden)

    CIURLĂU LOREDANA

    2014-02-01

    Full Text Available One can appreciate that the current conditions of the evolution, banks, those of Western Europe, as well as those in the central-East European countries and not only will have encountered new challenges, of which only a portion of them will be able to adapt, only those that will have the ability to exploit new opportunities in the globalised financial world. Banks will have to have the characteristics of a financial markets see more intense competition, and that financial products tend to be more homogeneous and easy to copy innovations; and the infrastructure is becoming more sophisticated and expensive; and last but not least the national regulations that tend to flatten and to join the international standardized structures and solutions for resolving crises are increasingly inspired from previous experience. This makes the market to be more uniformly, offering equal opportunities to all participants, but at the same time pointing to a large extent, revenue and profits.

  11. 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.

  12. 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

  13. 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.

  14. 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.

  15. 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...

  16. The impact of state legislation on eye banking.

    Science.gov (United States)

    Farge, E J; Silverman, L M; Khan, M M; Wilhelmus, K R

    1994-02-01

    Corneal transplantation, the most common transplantation procedure done in the United States, requires access to a sufficient number of donor eyes. We examined how laws governing tissue donation affect availability of corneal tissue by reviewing records of the Lions Eye Bank of Texas, Houston, from 1961 through 1990 (43,696 eyes from 21,898 donors). Relevant Texas statutes included the Uniform Anatomical Gift Act of 1970, the Justice of the Peace/Medical Examiner Law of 1977, and the Routine Inquiry Law of 1988. Before 1970, the mean (+/- SD) number of donated corneas was 72 +/- 38 per year; enactment of each statute above was associated with increased mean annual donations of 215 +/- 87, 1329 +/- 562, and 1958 +/- 33 corneas, respectively. The Justice of the Peace/Medical Examiner Law yielded significantly younger donors (who died of trauma), and the Routine Inquiry Law increased the number of hospitalized donors. Data from this eye bank were compared with current state laws nationwide. Effective legislation is a means to meet national ophthalmic surgical needs.

  17. Vetiver Grass: a potential tool for phytoremediation of iron ore mine site spoil dump

    Directory of Open Access Journals (Sweden)

    Anita Mukherjee

    2015-06-01

    Full Text Available The impact of mining has lead to the generation of a large amount of spoil dumps that has become dangerous to human health, wildlife and biodiversity. Thus it is essential that the post mining areas and waste land generated need to be rapidly vegetated. Vetiver grass (Chrysopogon zizanioides (L. Roberty is a tropical plant which grows naturally in various soil conditions and is well known for its ability to resist DNA damage while growing on typically polluted soil conditions. The spoil dumps from the iron mine site is unstable and inhospitable for plant growth due to presence of various toxic heavy metals like - Fe, Mn, Zn, Cu, Pb, Ni, Cr, Cd etc. Vetiver system is an efficient bio-engineering tool for reclaiming such spoil dumps. There are 12 known species of Vetiver grass, and many hundreds of different cultivars that are exploited by users depending on need. In the present study we selected the polyploid infertile variety of vetiver and carried pot experiments. Vetiver plants grown on the iron ore mine spoil dump show distinct differences in their growth with fewer numbers of tillers, reduced chlorophyll content, upregulation of antioxidant enzymes and increased proline content. To investigate the level of DNA damage incurred and change in the genetic stability Comet assay and RAPD analysis were performed. Results confirmed that Vetiver grass can serve as a model species for phytoremediating the iron ore mine spoil dumps.

  18. Contribution of arbuscular mycorrhizal fungi to the development of maize (Zea mays L.) grown in three types of coal mine spoils.

    Science.gov (United States)

    Guo, Wei; Zhao, Renxin; Fu, Ruiying; Bi, Na; Wang, Lixin; Zhao, Wenjing; Guo, Jiangyuan; Zhang, Jun

    2014-03-01

    Coal mine spoils are usually unfavorable for plant growth and have different properties according to dumping years, weathering degree, and the occurrence of spontaneous combustion. The establishment of plant cover in mine spoils can be facilitated by arbuscular mycorrhizal fungi (AMF). A greenhouse pot experiment was conducted to evaluate the importance of AMF in plant adaptation to different mine spoils and the potential role of AMF for revegetation practices. We investigated the effects of Glomus aggregatum, Rhizophagus intraradices (syn. Glomus intraradices), and Funneliformis mosseae (syn. Glomus mosseae) on the growth, nutritional status, and metal uptake of maize (Zea mays L.) grown in recent discharged (S1), weathered (S2), and spontaneous combusted (S3) coal mine spoils. Symbiotic associations were successfully established between AMF and maize in three substrates. Mycorrhizal colonization effectively promoted plant growth by significantly increasing the uptake of nitrogen (N), phosphorus (P), and potassium (K), adjusting C:N:P stoichiometry and alleviating toxic effects of heavy metals. G. aggregatum, R. intraradices, and F. mosseae exhibited different mycorrhizal effects in response to mine spoil types. F. mosseae was the most effective in the development of maize in S1 and may be the most appropriate for revegetation of this substrate, while R. intraradices played the most beneficial role in S2 and S3. Our results suggest that inoculation with AMF can enhance plant adaptation to different types of coal mine spoils and play a positive role in the revegetation of coal mine spoil banks.

  19. 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…

  20. 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)

  1. 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.

  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. 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.

  4. 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.

  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. 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.

  7. Impacts of Hurricane Andrew on carbonate platform environments, northern Great Bahama Bank

    Science.gov (United States)

    Boss, Stephen K.; Neumann, A. Conrad

    1993-10-01

    The northern (most energetic) quadrant of Hurricane Andrew (August 1992) passed over leeward-margin sand waves, bank-top sand shoals, reefs, and low islands of Great Bahama Bank for which an extensive prestorm data base exists. A reconnaissance survey seven weeks after Hurricane Andrew evaluated storm impacts on these bank-top settings. Resurveyed seismic profiles showed that positions, dimensions, and orientations of platform sand bodies were unchanged relative to fixed bedrock features. Surveys of reef communities indicated only minor storm-related disturbance. Coral bleaching may be due to storm-induced environmental stress. In addition, storm-wave plucking of boulders from emergent rocky cays resulted in localized crushing of reef biota. On low islands, beach erosion and storm surge were insignificant, and storm damage to Casuarina forests was minor and substrate-specific. Observed minimal hurricane impacts on northern Great Bahama Bank environments lying 10-75 km from the hurricane eye are reconciled by analysis of meteorological data, which show significant weakening of the storm (expressed as a rise in central barometric pressure of ˜20 mbar) during passage across the bank-top. This study demonstrates the importance of specific dynamic aspects of hurricanes (e.g., varying intensity, strength, size, forward speed, duration) which influence their geologic potential, even over relatively short distances along the storm track of an individual hurricane.

  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. Impact of bank competition on the interest rate pass-through in the euro area

    NARCIS (Netherlands)

    van Leuvensteijn, M.; Kok Sørensen, C.; Bikker, J.A.; van Rixtel, A.A.R.J.M.

    This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and deposits during the 1994-2004 period, using a novel measure of competition called the Boone indicator. We find evidence that stronger competition implies significantly lower

  10. 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

  11. 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...

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

    Directory of Open Access Journals (Sweden)

    Rubil Rubil

    2012-12-01

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

  13. Quantifying the past and future impact of climate on outbreak patterns of bank voles (Myodes glareolus).

    Science.gov (United States)

    Imholt, Christian; Reil, Daniela; Eccard, Jana A; Jacob, Daniela; Hempelmann, Nils; Jacob, Jens

    2015-02-01

    Central European outbreak populations of the bank vole (Myodes glareolus Schreber) are known to cause damage in forestry and to transmit the most common type of Hantavirus (Puumala virus, PUUV) to humans. A sound estimation of potential effects of future climate scenarios on population dynamics is a prerequisite for long-term management strategies. Historic abundance time series were used to identify the key weather conditions associated with bank vole abundance, and were extrapolated to future climate scenarios to derive potential long-term changes in bank vole abundance dynamics. Classification and regression tree analysis revealed the most relevant weather parameters associated with high and low bank vole abundances. Summer temperatures 2 years prior to trapping had the highest impact on abundance fluctuation. Extrapolation of the identified parameters to future climate conditions revealed an increase in years with high vole abundance. Key weather patterns associated with vole abundance reflect the importance of superabundant food supply through masting to the occurrence of bank vole outbreaks. Owing to changing climate, these outbreaks are predicted potentially to increase in frequency 3-4-fold by the end of this century. This may negatively affect damage patterns in forestry and the risk of human PUUV infection in the long term. © 2014 Society of Chemical Industry.

  14. 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.

  15. 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

  16. 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.

  17. 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

  18. [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.

  19. 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”.

  20. 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.

  1. Soil quality and carbon sequestration in a reclaimed coal mine spoil of Jharia coalfield, India

    Science.gov (United States)

    Mukhopadhyay, Sangeeta; Masto, Reginald; Ram, Lal

    2016-04-01

    Revegetation of coal mine spoil helps in carbon storage and the success of remediation depend on the selection of appropriate tree species. A study was conducted at the coalmine overburden dumps of Jharia Coalfield, Dhanbad, India to evaluate the impact of revegetation on the overall soil quality and carbon sequestration. Morphological parameters (tree height, diameter at breast height, tree biomass, wood specific gravity) of the dominant tree species (Acacia auriculiformis, Cassia siamea, Dalbergia sissoo and Leucaena leucocephala) growing on the mine spoil was recorded. Mine spoil samples were collected under the canopy cover of different tree species and analyzed for soil physical, chemical, and biological parameters. In general reclaimed sites had better soil quality than the reference site. For instance, D. sissoo and C. siamea improved soil pH (+28.5%, +27.9%), EC (+15.65%, +19%), cation exchange capacity (+58.7%, +52.3%), organic carbon (+67.5%, +79.5%), N (+97.2%, +75.7%), P (+98.2%, +76.9%), K (+31.8%, +37.4%), microbial biomass carbon (+143%, +164%) and dehydrogenase activity (+228%, +262%) as compared to the unreclaimed reference coal mine site. The concentration of polycyclic aromatic hydrocarbons (PAHs) decreased significantly in the reclaimed site than the reference spoil, C. siamea was found to be more promising for PAH degradation. The overall impact of tree species on the quality of reclaimed mine spoil cannot be assessed by individual soil parameters, as most of the parameters are interlinked and difficult to interpret. However, combination of soil properties into an integrated soil quality index provides a more meaningful assessment of reclamation potential of tree species. Principal component analysis (PCA) was used to identify key mine soil quality indicators to develop a soil quality index (SQI). Coarse fraction, pH, EC, soil organic carbon, P, Ca, S, and dehydrogenase activity were the most critical properties controlling growth of tree

  2. 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.

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

    DEFF Research Database (Denmark)

    Rullyanto, Arief

    2015-01-01

    , 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...... important overflow regions in the world. It connects two huge ocean basins, the North Atlantic Ocean and the Nordic Seas, and the water mass produced there is an important ingredient of North Atlantic Deep Water, a water mass that found very nearly everywhere in the deep basins of the world’s oceans...... 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....

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

    DEFF Research Database (Denmark)

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

    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...... satisfaction are related to the dimensions of brand equity comprising of perceived quality, brand loyalty and brand associations combined with brand awareness. Empirical tests using structural equation modelling support the research hypotheses and reinforce the importance of the linkage between the two domains...... 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...

  5. 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

    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...... satisfaction are related to the dimensions of brand equity comprising of perceived quality, brand loyalty and brand associations combined with brand awareness. Empirical tests using structural equation modelling support the research hypotheses and reinforce the importance of the linkage between the two domains...... 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...

  6. Promising native forbs for seeding on mine spoils

    Science.gov (United States)

    Ardell J. Bjugstad; Warren C. Whitman

    1989-01-01

    Twenty nine species of perennial forbs and 2 biennial forbs were directly seeded into coal mine spoil materials at Dickinson, North Dakota to determine which species would be most successful for direct seeding into coal mine spoil. Those which showed exceptionally good emergence and vigorous growth of seedlings in a two year study were: white prairie clover (...

  7. 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.

  8. 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.

  9. 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.

  10. 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

  11. 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

  12. REBOUND OF THE ROMANIAN CARD MARKET AFTER THE CRISIS AND ITS IMPACT ON THE BANKING PROFITABILITY

    Directory of Open Access Journals (Sweden)

    Magdalena RADULESCU

    2017-07-01

    Full Text Available The Romanian cards market relaunched after the crisis period, because the credit diminished or even stoped during 2008-2013, so the banks had to rely on the fees granted by issued cards or by banking payments operations. So, the total issued banking cards increased a lot during the last years and the electronic banking services developed.

  13. 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 ...

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

    Directory of Open Access Journals (Sweden)

    Wiwiek Rabiatul Adawiyah

    2015-10-01

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

  15. 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.

  16. The Impact of New Technologies on Occupational Profiles in the Banking Sector. Case Studies in Luxembourg, the Netherlands, the United Kingdom and France. CEDEFOP Panorama.

    Science.gov (United States)

    Vitali, Laurence; Freiche, Jeanine; Matthews, Alison; Warmerdam, John

    The impact of new technologies on occupational profiles in the banking sector was examined through case studies in four European countries: Luxembourg, the Netherlands, the United Kingdom, and France. In each country, three types of banking institutions were studied: merchant (Eurobank); "counter" (universal) bank; and telebank (bank…

  17. 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.

  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. 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...... 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...... such as prior traumatic exposure. A preliminary conclusion is that a bank robbery is a traumatizing event for employees, especially when disregarding the avoidance symptoms. This seems to be particularly pertinent in relation to the acute phrase following the bank robbery....

  20. Seepage weathering impacts on erosivity of arid stream banks: A new conceptual model

    Science.gov (United States)

    Nachshon, Uri

    2016-05-01

    Field observations have indicated the formation of horizontal, pipe shape cavities, along gully and dry stream channel banks in the semi-arid region of the northern Negev Desert, Israel. Piping is a well-known phenomenon in humid regions due to subsurface water flow and seepage weathering. However, in dry environments where rain events are scarce and subsurface water flow is rare, it is proposed here that capillary flow of saline water in the vadose zone leads to similar processes. It is suggested that where saline and shallow ground water persists, capillary flow may result in salt accumulation and precipitation at the top of the capillary fringe, consequently rendering this zone to be more susceptible to erosion. A conceptual model is presented and field observations, laboratory experiments, and a physically-based model are used to prove the feasibility of the proposed conceptual model and to explain why salts accumulate at the top of the capillary fringe, even though evaporation acts all along the vertical stream channel or gully banks. It is suggested that the low evaporative flux, in comparison to the liquid water flux, disables salt accumulation along the profile to the top of the capillary fringe where the liquid water flux is minimal. The presented findings strengthen the conceptual model, but thorough field studies are needed to estimate the impact of the proposed mechanism on erosion processes on a field scale.

  1. 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...

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

    NARCIS (Netherlands)

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

    2007-01-01

    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

  3. 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

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. Groundwater hydrogeochemical characteristics in rehabilitated coalmine spoils

    Science.gov (United States)

    Gomo, M.; Masemola, E.

    2016-04-01

    The investigation aims to identify and describe hydrogeochemical processes controlling the evolution of groundwater chemistry in rehabilitated coalmine spoils and their overall influence on groundwater quality at a study area located in the Karoo basin of South Africa. A good understanding of the processes that controls the evolution of the mine water quality is vital for the planning, application and management of post-mining remedial actions. The study utilises scatter plots, statistical analysis, PHREEQC hydrogeochemical modelling, stoichiometric reaction ratios analysis, and the expanded Durov diagram as complimentary tools to interpret the groundwater chemistry data collected from monitoring boreholes from 1995 to 2014. Measured pH ranging between 6-8 and arithmetic mean of 7.32 shows that the groundwater system is characterised by circumneutral hydrogeochemical conditions period. Comparison of measured groundwater ion concentrations to theoretical reaction stoichiometry identifies Dolomite-Acid Mine Drainage (AMD) neutralisation as the main hydrogeochemical process controlling the evolution of the groundwater chemistry. Hydrogeochemical modelling shows that, the groundwater has temporal variations of calcite and dolomite saturation indices characterised by alternating cycles of over-saturation and under-saturation that is driven by the release of sulphate, calcium and magnesium ions from the carbonate-AMD neutralization process. Arithmetic mean concentrations of sulphate, calcium and magnesium are in the order of 762 mg/L, 141 mg/L and 108 mg/L. Calcium and magnesium ions contribute to very hard groundwater quality conditions. Classification based on total dissolved solids (TDS), shows the circumneutral water is of poor to unacceptable quality for drinking purposes. Despite its ability to prevent AMD formation and leaching of metals, the dolomite-AMD neutralisation process can still lead to problems of elevated TDS and hardness which mines should be aware of

  9. 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.

  10. 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.

  11. 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.

  12. SYSTEMIC CRISIS MANAGEMENT AND THE IMPACT ON MONETARY POLICY. THE INVOLVEMENT OF CENTRAL BANKS. AN EMPIRICAL ANALYSIS

    Directory of Open Access Journals (Sweden)

    Adriana GIBA

    2011-09-01

    Full Text Available In a systemic crisis, many institutions in the financial system may face a lack of liquidity and central banks, as lenders of last resort, have to support them in order to ensure their financial stability. The question is: To what extent the involvement of central banks in systemic crises management, by providing liquidity to credit institutions, affects their ability to accomplish the central goal of monetary policy - price stability?To answer this question, through this study, we conducted an empiricalanalysis on the effect which central banks’ involvement in systemic crises management, through liquidity support, has on monetary policy objectives, mainly on price stability. Using a principal components analysis, we built a Monetary policy index and we developed a regression model between this index and the liquidity support provided by central banks in systemic crises.The conclusion we reached is that the provision of liquidity by the central bank to banking institutions in the system affects its monetary policy objectives only on the short -term. Specifically, providing liquidity support leads to an increase in both monetary aggregates and consumer price index in the first two years of the crisis, after which there is a significant dilution of this impact.

  13. 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

  14. 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.

  15. 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

    pricing strategies such as offering bundle fees to customers consuming multiple electronic banking services. This means that the banks must focus on innovation, disruptive technology and automation, with the ultimate aim of increasing profitability and at the same time satisfying its customers....

  16. 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…

  17. 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.

  18. 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...

  19. 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......Despite, numerous annual bank robberies worldwide, research on the psychological sequelae of bank robberies is limited. We studied the prevalence of Acute Stress Disorder (ASD) (N = 458) and the prevalence of Posttraumatic Stress Disorder (PTSD) (n = 378) in a Danish national questionnaire survey...... 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...

  20. 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.

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

    OpenAIRE

    Wibowo, Buddi

    2017-01-01

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

  2. 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.

  3. 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...

  4. 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...

  5. The Characteristics and Fertility Status of Tin Mine Spoils of the Jos ...

    African Journals Online (AJOL)

    ... include reclaimed cropped spoil (RCS), reclaimed uncropped spoil (RUS), mining (intermound) depressions (MD), spoil mounds (SM) and surrounding flat land (SFL). Unmined Ropp soil (URS) was included as control. RCS had significantly (P < 0.05) higher amounts of total nitrogen (1.6 g kg-1) and organic carbon (13.7 ...

  6. Bank profitability during recessions

    NARCIS (Netherlands)

    Bolt, Wilko; de Haan, Leo; Hoeberichts, Marco; van Oordt, Maarten R C; Swank, Job

    This paper contributes to the literature on the relation between bank profitability and economic activity. When allowing for stronger co-movement of bank profit with economic activity during deep recessions, we find a much larger impact of output growth on bank profitability than commonly found in

  7. 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.

  8. 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.

  9. Spoiling the womb”: Definitions, Aetiologies and responses to ...

    African Journals Online (AJOL)

    Spoiling the womb”: Definitions, Aetiologies and responses to infertility in North West Province, Cameroon. ... Now, family planning is promoted nationwide to reduce population growth, and infertility is not addressed by public health policy or services. In contrast to the biomedical definition used by planners, at the local level ...

  10. 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)

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

    African Journals Online (AJOL)

    Dr. Tse

    to which dredge spoils can be deployed, including use as fill and construction materials, placing the dredged material at specific locations to combat erosion, and manufacturing bricks, etc. These uses will be particularly beneficial given the high rainfall intensity, extensive marsh land and frequent oil spills in the study area.

  12. 30 CFR 715.15 - Disposal of excess spoil.

    Science.gov (United States)

    2010-07-01

    ... engineer or other qualified professional specialist experienced in the construction of earth and rockfill... minesite. (11) Coal processing wastes shall not be disposed of in head-of-hollow or valley fills, and may... require a flatter slope. (c) Head-of-hollow fills. Disposal of spoil in the head-of-hollow fill shall meet...

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

    African Journals Online (AJOL)

    Dr. Tse

    spoils by stabilization produces a 'conditioned' soil mix with improved strength properties suitable for use in civil engineering construction. In view of the large volumes of sand dredged from rivers along the East-West road alignment, it is thought that a beneficial scheme to use such large quantity of otherwise waste material ...

  14. 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...

  15. The impact of the Swiss-EU relationships on the Swiss banking secrecy

    OpenAIRE

    Burkhard, Mike-David

    2012-01-01

    Switzerland and the European Union share common values and have peaceful and well functioning economic and political agreements. Nevertheless, the Swiss banking secrecy is definitely a thorn in the EU's flesh, especially because of tax fraud or money laundering. Since the existence of the Swiss banking secrecy it has been associated with holocaust money, tax evasion, potentates' money etc. and also has been confronted with espionage attacks by foreign authorities and various other disputes. R...

  16. 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...

  17. 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.

  18. Negative Impacts of the Neo-liberal Policies on the Banking Sector in Bulgaria

    Directory of Open Access Journals (Sweden)

    Rossitsa Rangelova Pavlova

    2015-04-01

    Full Text Available From the beginning of the 1970s until the last global financial and economic crisis in 2008-2009, neo-liberal ideas guided economic policy development. It is worth noting that the Central and Eastern European countries transformed their economies from centrally planned to а market type at the peak of the liberal policies. Bulgaria offers a particularly interesting example because the country encountered a very difficult transition from one extreme of an economic system organization to another. The paper considers the reforms in the Bulgarian banking sector during the transition period from a centrally planned to a market type economy (from 1989 onward through the implementation of neo-liberal policies. The development of the banking sector and its transformation is analyzed throughout the two main periods: before and after the transition. The latter is divided into two sub-periods (phases beginning with the early 1990s, followed by the financial and bank crisis in the country, the introduction of a currency board regime in 1997, and stabilization, and ending with the global crisis in 2008-2009. This article summarizes that during the transition period, a modern banking system was established to accumulate profit rather than to promote economic growth. Following a chronological order, the negative effects of the liberalization of the Bulgarian banking sector are specified: the exportation of ownership (and control upon banking system assets, unfair asset redistribution, the emergence of the local oligarchy, the weak protection of the taxpayers and others.

  19. 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.

  20. 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.

  1. The impact of financing method on performance of private banking industry

    Directory of Open Access Journals (Sweden)

    Ali Rouhi

    2013-02-01

    Full Text Available Banking sector has been one of the fastest growing sectors in Iran due to changes in regulations in private banks. In this paper, we perform a survey on the effect of structure of financing on banking performance. The main question of this survey is whether there is any relationship between different methods of financing private banks in terms of their performances. The survey investigates relationship between changes in debt ratio with return of assets, between changes in time dependent investments and return of assets, between changes in long-term investments and return of assets. Finally, we study whether there is a relationship between changes in ratio of total equities to total assets on return of assets. The proposed study of this paper considers three private banks whose shares have been traded on Tehran Stock Exchange namely Eghtesad Novin, Parsian and Saman. The information has been collected over the period 2006-2010. The results of this study indicates that there are some positive and meaningful relationships between changes in time dependent investments, changes in long-term investments ratio of total equities to total assets with return of assets. However, the study did not find any meaningful relationship between changes in total equities to total assets and return of assets.

  2. 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

  3. 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...

  4. 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.

  5. 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.

  6. 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

  7. The evolution and impact of the International Atomic Energy Agency (IAEA) program on radiation and tissue banking in the Latin American region.

    Science.gov (United States)

    Morales Pedraza, Jorge; Phillips, Glyn O

    2009-05-01

    Since 1993, the IAEA supported the establishment or the consolidation of seven tissue banks in the region. As a direct or indirect consequence of the implementation of the IAEA program, more than 53 tissue banks are now operating in the participating countries. The fast development of tissue banks in the Latin America region under the ARCAL Agreement and with the financial and technical support of the IAEA program made it necessary to train new tissue bank operators and medical personnel. In general, 90 tissue bank operators and medical personnel were trained in the training centre of Buenos Aires. Another six tissue bank operators and medical personnel were trained in the International Training Centre of Singapore. The main impact of the IAEA program in the region was the following: the establishment or consolidation of fifty-three tissue banks in nine countries in the region; the implementation of five national projects, allocating $1,006,737 dollars for this purpose and of one regional project allocating $284,741 dollars for this purpose; the use of the IAEA Standards, the IAEA Code of Practice and the IAEA Public Awareness Strategies in several tissue banks in the region; the application of quality control and quality assurances manuals in all of the participating countries.

  8. 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

  9. 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.

  10. 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...

  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. 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.

  13. 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.

  14. 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.

  15. 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

  16. 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.

  17. Banking contracts

    OpenAIRE

    Sochorová, Silvie

    2012-01-01

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

  18. 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

  19. 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.

  20. 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

  1. 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.)

  2. 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.

  3. 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.

  4. 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

  5. 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.

  6. 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

  7. 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...

  8. WHAT ARE THE DETERMINANTS OF COMMERCIAL BANK PERFORMANCE IN CHINA? DID THE SUB-PRIME CRISIS HAVE ANY IMPACT?

    OpenAIRE

    Yuan, Haiyan

    2010-01-01

    The US sub-prime mortgage crisis now considered as the worst crisis and was expanded to global economy, causing volatility of financial market and credit contraction. In addition, China’s banking system improving efficiency and resources allocation through reform since 1978. It is reasonable to assume that the statue and competition capability of Chinese banks was enhanced in the worldwide trading businesses. Hence, this paper analyzes determinants of bank performance for China banking system...

  9. 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...

  10. 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

  11. Revegetation of Alaskan coal mine spoils. Progress report

    Energy Technology Data Exchange (ETDEWEB)

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

    1980-05-23

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

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

    Energy Technology Data Exchange (ETDEWEB)

    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.

  13. 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

  14. 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

  15. 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

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

    OpenAIRE

    Nuralam I.P.

    2017-01-01

    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 w...

  17. 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…

  18. 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.

  19. 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.

  20. Accumulation of some metals by legumes and their extractability from acid mine spoils. [USA - Alabama

    Energy Technology Data Exchange (ETDEWEB)

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

    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 {ital Lespedeza striata} (Thung.) Hook and Arn, sericea lespedeza {ital 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 {ital 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 {gt} 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.

  1. 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.

  2. The Impact Of Transformational Leadership On Job Satisfaction And Self-Perceived Performance Of Banking Employees: The Case Of Jordan

    OpenAIRE

    Raed Awamleh; Hani Al-Dmour Al-Dmour

    2011-01-01

    This study tested the transformational leadership theory among managers at functional level in Jordanian banks. It examined the effects of both transformational and transactional leadership styles of bank mangers/supervisors on employees satisfaction and self-perceived performance. Self-efficacy, self-esteem and leadership disposition (Romance of Leadership) of employees were hypothesized to act as moderators. Data was collected from employees working in Jordanian banks. A multiple regression...

  3. 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.

  4. 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.

  5. Effects of contaminated dredge spoils on wetland plant communities: A literature review

    Science.gov (United States)

    Stewart, Paul M.; Garza, Eric L.; Butcher, Jason T.; Simon, Thomas P.

    2003-01-01

    Contaminated dredge spoil is a national concern due to its scope and effects on biota, water quality, and the physical environment. This literature review discusses the effects of contaminated dredge spoils on wetland plant communities. Plant communities naturally shift over time with changing environmental conditions. Addition of toxins and nutrients and changes in hydrology may influence plant community structure. The storage and disposal of nutrient and metal contaminated dredge spoils may cause shifts in nearby plant communities. Shifts in species composition and diversity may not be observed for decades after nutrient enrichment, causing any disturbance to remain undetected. Plant community shifts often have great amounts of inertia and are difficult to reverse.

  6. Liquidity, Banking, and Bank Failures.

    OpenAIRE

    Williamson, Stephen D

    1988-01-01

    A multiperiod model with risk-neutral agents is constructed in which a liquidity problem arises in an equilibrium with decentralized tradin g in capital, which banking institutions are able to alleviate. Depos it contracts provide for early withdrawal, banks hold debt, and agent s who borrow from banks hold compensating balances. Institutional col lapse, or a state of the world when bank failures are experienced, is associated with a high demand for liquidity, low output, and a lower than ave...

  7. 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.

  8. Bank regulation and banking stability

    NARCIS (Netherlands)

    Boot, A.; Thakor, A.V.

    2014-01-01

    This note discusses some issues in bank closure policy from a financial stability standpoint and how these issues have evolved since we first raised the question of how a reputation-driven divergence of interests between bank regulators and taxpayers may distort bank closure policy in our 1993 paper

  9. 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.

  10. 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...

  11. 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.

  12. 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.

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

    Science.gov (United States)

    Herson, Marisa Roma; Mathor, Monica Beatriz; Morales Pedraza, Jorge

    2009-05-01

    Until 2000, efforts into organising tissue banks in Brazil had not progressed far beyond small "in house" tissue storage repositories, usually annexed to Orthopaedic Surgery Services. Despite the professional entrepreneurship of those working as part time tissue bankers in such operations, best practices in tissue banking were not always followed due to the lack of regulatory standards, specialised training, adequate facilities and dedicated personnel. The Skin Bank of the Plastic Surgery Department of the Hospital das Clinicas of Sao Paulo, the single skin bank in Brazil, was not an exception. Since 1956, restricted and unpredictable amounts of skin allografts were stored under refrigeration for short periods under very limited quality controls. As in most "tissue banks" at that time in Brazil, medical and nursing staff worked on a volunteer and informal basis undergoing no specific training. IAEA supported the implementation of the tissue banking program in Brazil through the regional project RLA/7/009 "Quality system for the production of irradiated sterilised grafts" (1998-2000) and through two interregional projects INT/6/049 "Interregional Centre of Excellence in Tissue Banking", during the period 2002-2004 and INT/6/052 "Improving the Quality of Production and Uses of Radiation Sterilised Tissue Grafts", during the period 2002-2004. In 2001-2002, the first two years of operation of the HC-Tissue Bank, 53 skin transplants were carried out instead of the previous 4-5 a year. During this period, 75 individuals donated skin tissue, generating approximately 90,000 cm(2) of skin graft. The IAEA program were of great benefit to Brazilian tissue banking which has evolved from scattered make shift small operations to a well-established, high quality tissue banking scenario.

  14. 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

  15. Load Bearing and Deformation Characteristics of Granular Spoils under Unconfined Compressive Loading for Coal Mine Backfill

    Directory of Open Access Journals (Sweden)

    Guodong Li

    2016-01-01

    Full Text Available The load bearing capacity and deformation response of granular spoils under uniaxial compression are numerically and experimentally investigated, aiming to shed light on the performance of back filled waste spoils while controlling ground subsidence after coal extraction. In numerical study, the particles are assembled in PFC commercial code in light of the digitized real shape of spoils with image technique, which is proved to be consistent with the physical test. The results from numerical and laboratory experiments showed that the complete compressive process of spoils tended to have spatial and temporal characteristics. The load-strain curves of investigated specimens could be divided into three stages (stage I, rearranging stage; stage II, breaking stage; stage III, consolidating stage and three zones (I, rearranging zone; II, interlocking zone; III, consolidated zone from outside to inside. During stage I, the load increasing rate of smaller spoils is relatively low, but it increases faster than larger ones in stages II and III. In addition, spoils with Talbot’s gradation are greater than single gradations. The magnitude of the density in consolidated zone is maximum, indicating that it is the main part holding the overlying strata weight.

  16. 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.

  17. Laboratory rainfall simulator studies of selected open-cut coal mine overburden spoils from Central Queensland

    Energy Technology Data Exchange (ETDEWEB)

    Evans, K.G.; Loch, R.J.; Aspinall, T.O.; Bell, L.C. [Eros and Hydrology Group, Jabiru, NT (Australia)

    1997-05-01

    Data on the erodibility of overburden spoils resulting from open-cut coal mining are limited. These data are required to derive parameters for erosion prediction models which can be used in the design of re-formed landscapes after mining. In this study, laboratory rainfall simulation data were used to derive CREAMS (Chemicals, Runoff and Erosion from Agricultural Management Systems) interfill erodibility parameters K and n{sub bov} for Central Queensland coal mine overburden spoils. For the spoils studied, K values ranged from 0.0111 to 0.1398 Mg ha h/(ha MJ mm) and n{sub bov} values ranged from 0.0004 to 0.0081. Sediment yield was transport controlled. Results for 1 spoil, South Blackwater Terang, showed that total soil loss increased linearly with slope, and both K and n{sub bov} varied non-linearly with slope. If a constant set of K and n{sub bov} values is used in modelling, CREAMS over-predicts spoil loss for slopes greater than that for which the parameter values were determined, and under-predicts spoil loss for slopes less than that for which the parameter values were determined.

  18. Influences of humic and fulvic acids and organic matter on leachate chemistry from acid coal spoil

    International Nuclear Information System (INIS)

    Gentry, C.E.; Davidson, W.H.; Wade, G.L.

    1994-01-01

    Column-leaching experiments were conducted on an acid pyritic coal spoil to determine the influence of acid rain, humic acid (HA), fulvic acid (FA), and undecomposed organic matter (OM) on pH and Al, Fe, Mn, and SO 4 concentrations in the spoil leachate and on the spoil. Simulated acid rain of pH 4.0 was applied for 50 weeks under laboratory conditions to spoil columns modified with 0.5% FA or HA, or 2.0% OM from four forest trees and two herbs. Quality-control methods were used to evaluate treatment effects. Addition of HA and tall fescue leaf material to a Lily, KY, spoil created a greater and longer lasting desirable effect on leachate pH and Al, Fe, Mn, and SO 4 than additions of FA or OM of five other species. Results suggest that revegetation resulting in rapid production of matured soil OM may reduce the amount of some ions commonly leached from acid mine spoils

  19. 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. 

  20. 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.

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

  2. 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...

  3. INTERNATIONAL LABOR MIGRATION AND FOREIGN BANK PENETRATION IN DEVELOPING ECONOMIES

    OpenAIRE

    RONG MA; SUSAN POZO

    2012-01-01

    This paper examines the impact of international labor migration on foreign bank presence in 30 Asian and Latin American countries. While it is well established that social and economic characteristics of the host economy influence entry by foreign banks, we test whether social and economic linkages between bank-host and bank-origin economies influence foreign bank activity. In particular, we consider whether international migration from bank-host to the bank-origin countries affects foreign b...

  4. 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.

  5. 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.

  6. Acetobacter oeni sp. nov., isolated from spoiled red wine.

    Science.gov (United States)

    Silva, Luis R; Cleenwerck, Ilse; Rivas, Raúl; Swings, Jean; Trujillo, Martha E; Willems, Anne; Velázquez, Encarna

    2006-01-01

    A bacterial strain, designated B13T, was isolated from spoiled red wine from the Dão region, Portugal. The strain was Gram-negative, strictly aerobic, rod-shaped and motile. Phylogenetic analysis on the basis of 16S rRNA gene sequences indicated that B13T belonged to the genus Acetobacter within the Alphaproteobacteria. The closest related species was Acetobacter aceti, with 98.4 % 16S rRNA gene sequence similarity. DNA-DNA hybridization showed that B13T constituted a taxon separate from the Acetobacter species with validly published names. The DNA G+C content of B13T was 58.1 mol%. Phenotypic characteristics of B13T allowed its differentiation from the recognized Acetobacter species. B13T produced 5-ketogluconic acid from glucose, but no 2-ketogluconic acid. It produced catalase, but no oxidase. It utilized glycerol, but not maltose, ethanol or methanol as carbon sources. On the basis of the results obtained, B13T represents a novel species for which the name Acetobacter oeni sp. nov. is proposed. The type strain is B13T (= LMG 21952T = CECT 5830T).

  7. Merits of partial shielding in dumping sediment spoils.

    Science.gov (United States)

    Jensen, Jacob Hjelmager; Saremi, Sina; Jimenez, Carlos; Hadjioannou, Louis

    2015-12-15

    The commonly adopted method of dumping dredge spoil at sea using split-hull barges leads to considerable sediment loss to the water column and a subsequent dispersion of fine material that can pose a risk to sensitive "downstream" habitats such as coral reefs. Containing sediment loads using stitched closed geotextile bags is practiced for minimizing loss of contaminated sediment, but is expensive in terms of operational efficiency. Following promising observations from initial laboratory trials, the plunging of partially shielded sediment loads, released on open sea, was studied. The partial shielding was achieved with rigid, open containers as well as flexible, open bags. The loss of sediment from these modes of shielding was measured, and it was observed that even limited and unstitched shielding can be effective in debilitating the entrainment of water into the descending load. In particular, long-sleeved flexible bags practically self-eliminated the exposure of the load and thus losses. Copyright © 2015 Elsevier Ltd. All rights reserved.

  8. Antecedents of Trust in Customer Relations and Its Impact on Satisfaction in the Context of Islamic Banking"

    OpenAIRE

    Kiribayeva, Alla

    2010-01-01

    Nowadays, competitiveness in mature banking environment is becoming stronger and tougher, therefore enhancing service quality and customer satisfaction is crucial. Islamic Banking is considered as a very progressing sector of financial sector in Muslim countries as well as in non – Muslim nations too. Due to uniqueness of Islamic financial services, there are arising concerns about possible differences of antecedents of customer satisfaction, service quality and customer relationships in Isla...

  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. Banking union and the future of alternative banks: revival, stagnation or decline?

    NARCIS (Netherlands)

    Deeg, Richard; Donnelly, Shawn

    2016-01-01

    Banking union challenges the institutional mechanisms that alternative banks use to retain their status, goals, identity and carry out their operations. Yet the impact of banking union on them varies considerably and systematically: those alternative banks that held most closely to the traditional

  11. Contingent Convertibles and their Impacts on the Optimization of the Capital Structure of Brazilian Banks Under Basel III

    Directory of Open Access Journals (Sweden)

    Karina Cyganczuk Goes

    2016-04-01

    Full Text Available Banks around the world maintain excess regulatory capital, whether to minimize capitalization costs or to mitigate risks of financial difficulties. However, it was only after the financial crisis of 2008 that the quality of capital gained greater importance among international regulators, through the Third Basel Accord (Basel III, which suggested a capital structure formed of the new equity and debt hybrid instruments, that is, Contingent Convertibles (CoCos, which have the main goal of recapitalizing banks automatically when they show signs of financial difficulties. Using the continuous-time structural model developed by Koziol and Lawrenz (2012, with December 2013 as a reference, this paper analyzes the capital structure of the 10 biggest Brazilian banks in terms of total assets, comparing their current structures - with only subordinated debts - with the structure proposed in Basel III, composed solely of contingent convertibles, with a view to verifying the influence of CoCos in banks' risks and evaluating the effectiveness of this Basel III recommendation. Through the evidence obtained using the model mentioned, this paper's main contribution is in demonstrating that the use of CoCos would optimize the capital structure of banks under the restrictions of Basel III, considering these are effective. If not, the automatic recapitalization of these instruments could be used for shareholders' own benefit, thus increasing the likelihood of banks experiencing financial difficulties, which could cause a new financial crisis, like that which occurred in 2008.

  12. 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

  13. 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.

  14. 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.

  15. 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

    2013-01-01

    Background 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. Methods 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. Results 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. Conclusions We suggest significantly raising the TNC level used to determine a bankable unit. A level of 125 × 107 TNCs, maybe even 150 × 107 TNCs, might be a viable banking threshold. This would improve the return on inventory investments while meeting transplantation needs based on current selection criteria. PMID:23637645

  16. 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.

  17. 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...

  18. Lactobacillus cerevisiae sp. nov., isolated from a spoiled brewery sample.

    Science.gov (United States)

    Koob, Jennifer; Jacob, Fritz; Wenning, Mareike; Hutzler, Mathias

    2017-09-01

    A Gram-stain-positive, non-motile, rod-shaped bacterium, designated TUM BP 140423000-2250T (=DSM 100836T=LMG 29073T), was isolated from spoiled beer. This bacterium did not form spores, and was catalase-negative and facultatively anaerobic. Its taxonomic position was determined in a polyphasic study. The 16S rRNA gene sequence similarity data showed that the strain belonged to the Lactobacillus genus with the nearest neighbours being Lactobacillus koreensis DCY50T (sequence similarity 99.5 %), Lactobacillus yonginensis THK-V8T (99.2 %) and Lactobacillus parabrevis LMG 11984T (98.7 %). Sequence comparisons of additional phylogenetic markers, pheS and rpoA, confirmed the 16S rRNA gene sequence tree topology. The maximum rpoA sequence similarity was 92.3 % with L. yonginensis THK-V8T. The DNA G+C content of the isolate was 50.0 mol%. The DNA-DNA relatedness showed that strain TUM BP 140423000-2250T could be clearly distinguished from L. koreensis DCY 50T (30.8±0.4 %) and L. yonginensis THK-V8T (23.6±5.9 %). The major fatty acids were C18 : 1ω9c, summed feature 7 (comprised of C19 : 0 cyclo ω10c/C19 : 1ω6c) and C16 : 0. Based on phenotypic and genotypic studies, the authors propose classifying the new isolate as a representative of a novel species of the genus Lactobacillus, Lactobacillus cerevisiae sp. nov. The type strain is deposited at the Research Centre Weihenstephan for Brewing and Food Quality as TUM BP 140423000-2250T (=DSM 100836T=LMG 29073T).

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

    African Journals Online (AJOL)

    However, dredged fine grained sandy soils stockpiled at river banks along the road as wastes may be modified for strength gain to replace the excavated natural soil during road construction. The optimum stabilization conditions of the dredged soils were determined in this study to evaluate the strength improvement for ...

  20. 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

  1. 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.

  2. 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%

  3. 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.

  4. 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...

  5. Determinants of Bank Profitability: Evidence from the U.S. Banking Sector

    OpenAIRE

    Zhang, Christine; Dong, Liyun

    2011-01-01

    Using the ordinary least squares estimation technique, this paper analyzes the profitability of the U.S banking sector over the period from 2000 – 2008. Our profitability determinants include bank-specific characteristic as well as macroeconomic factors. Consistent previous studies, we find that the bank-specific determinants, with the exception of size, are significantly positively related to bank performance. For size measure, the impact is uncertain and is depended on the category of bank ...

  6. Impact of Test Design, Item Quality, and Item Bank Size on the Psychometric Properties of Computer-Based Credentialing Examinations

    Science.gov (United States)

    Xing, Dehui; Hambleton, Ronald K.

    2004-01-01

    Computer-based testing by credentialing agencies has become common; however, selecting a test design is difficult because several good ones are available - parallel forms, computer adaptive (CAT), and multistage (MST). In this study, three computer-based test designs under some common examination conditions were investigated. Item bank size and…

  7. 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…

  8. Impact of the World Bank Group's Social and Environmental Policies on Extractive Companies and Financial Institutions : Phase One

    OpenAIRE

    Gilboy, Andrew; Everett, Richard

    2003-01-01

    The World Bank Group (WBG) has emerged as a standard bearer that members of the international corporate community assess themselves against, often regardless of whether they are involved in a direct funding relationship. For example, a trend has been noted that some extractive industry companies, who, for the most part are not direct recipients of WBG assistance, are changing the way they ...

  9. 220 AUTOMATED CLEARING SYSTEM AND THE BANKING ...

    African Journals Online (AJOL)

    Department of Accounting, Banking & Finance. Delta State University. Asaba Campus. Abstract. This study investigated the impact of automated clearing system on the. Nigerian banking system. Secondary data were mostly sourced through The. Central Bank of Nigeria publications and analyzed using t test statistics,.

  10. 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 ...

  11. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... The findings of this study have motivated new recommendations for bank customers, bank management and shareholders with regard to electronic banking adoption for banking operations. Keywords: Electronic banking, returns on assets (ROA), returns on Equity (ROE), difference between means and ...

  12. 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...

  13. 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.

  14. The Impact of Physical Work Environment Toward Employee Performance at PT. Bank Negara Indonesia Manado Regional Office

    OpenAIRE

    Rorong, Syutrika Vergie

    2016-01-01

    Physical work environment is one of the essential human requirements that enable people to perform their work effectively under defined conditions. It is the quality of the employee€™s workplace environment that has most influence on the level of employee€™s motivation and subsequent performance. Research sought to understand the influence of physical work environment on employees€™ performance. Population this research is the employees of PT. Bank Negara Indonesia Manado Regional Office with...

  15. 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.

  16. 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

  17. 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.

  18. Photobacterium piscicola sp. nov., isolated from marine fish and spoiled packed cod

    NARCIS (Netherlands)

    Figge, Marian; Cleenwerck, Ilse; van Uijen, Astrid; de Vos, Paul; Huys, Geert; Robertson, Lesley

    Five isolates from marine fish (W3T, WM, W1S, S2 and S3) and three isolates misclassified as Photobacterium phosphoreum, originating from spoiled modified atmosphere packed stored cod (NCIMB 13482 and NCIMB 13483) and the intestine of skate (NCIMB 192), were subjected to a polyphasic taxonomic

  19. 30 CFR 817.71 - Disposal of excess spoil: General requirements.

    Science.gov (United States)

    2010-07-01

    ... stable under all conditions of construction. (c) Compliance with permit. You, the permittee or operator... (excavations to stable bedrock) or rock-toe buttresses to ensure fill stability. (e) Placement of excess spoil... provided to minimize surface erosion at the site. All disturbed areas, including diversion channels that...

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

    Science.gov (United States)

    2010-07-01

    ... stable under all conditions of construction. (c) Compliance with permit. You, the permittee or operator... (excavations to stable bedrock) or rock-toe buttresses to ensure fill stability. (e) Placement of excess spoil... provided to minimize surface erosion at the site. All disturbed areas, including diversion channels that...

  1. Phenomenon of Swiss banking

    Directory of Open Access Journals (Sweden)

    Milenković Ivan

    2015-01-01

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

  2. 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

  3. Solid speciation and availability of nickel and chromium in Ni mining spoils

    Science.gov (United States)

    Raous, Sophie; Garnier, Jérémie; Sterckeman, Thibaul; Echevarria, Guillaume; Becquer, Thierry; Thomas, Fabien

    2010-05-01

    Nickel mining of ultramafic laterites generates different types of wastes, topsoils and ores that are too poor in Ni to be currently processed. These are mixed and stored on heaps which could be a potential source of Ni and Cr pollution. Chemical reactivity of the main metal bearing phases present in the mining spoils of Goiás (Brasil) was investigated. Principally a silicated 'saprolite' material and a Fe-oxide rich limonitic material were isolated from the wastes. Their total Ni and Cr content are high, respectively for Ni and Cr : 7,170 and 54,970 mg kg-1 in limonite and 12,200 and 12,650 mg kg-1 in saprolite. The main metal-bearing minerals, identified and localized using XRD, TEM-EDX, Raman spectroscopy and Mossbaüer spectrometry are well-crystallized minerals: goethite (75%), hematite (13%) and chromite in limonite and ferruginous smectite, talc and chromite in saprolite. Single and sequential extractions showed that the amounts of 1M KCl exchangeable Ni and Cr reached respectively 7.1% and 0.03% of total contents in saprolite. Moreover, Cr(VI) extraction by KH2PO4 showed that more than 2% (980 mg kg-1) of total Cr was under this labile toxic form in limonite. This study allowed us to determine the main reactions controlling the Ni and Cr mobility in the spoils i.e. Ni2+ cationic exchange in saprolitic spoil and CrO32- surface complexation in limonitic spoil. This study allowed us to demonstrate the need of chemical rehabilitation of mining wastes in order to avoid the dispersion of the high contents of Ni and Cr available. It constitutes the system definition needed to predict the Cr and Ni mobility in ultramafic mining spoils.

  4. Improving surface stability of elevated spoil landforms using natural landform analogy and geological information

    Science.gov (United States)

    Emmerton, Bevan; Burgess, Jon; Esterle, Joan; Erskine, Peter; Baumgartl, Thomas

    2017-04-01

    Large-scale open cut mining in the Bowen Basin, Queensland, Australia has undergone an evolutionary process over the period of a few decades, transitioning from shallow mining depths, limited spoil elevation and pasture based rehabilitation to increased mining depths, escalating pre-stripping, elevated mesa-like landforms and native woody species rehabilitation. As a consequence of this development, the stabilisation of recent constructed landforms has to be assured through means other than the establishment of vegetative cover. Recent developments are the specific selection and partitioning of resilient fragmental spoil types for the construction of final landform surface. They can also be used as cladding resources for stabilizing steep erosive batters and this has been identified as a practical methodology that has the potential to significantly improve rehabilitation outcomes. Examples of improvements are an increase of the surface rock cover, roughness and infiltration and reducing inherent erodibility and runoff and velocity of surface flow. However, a thorough understanding of the properties and behavior of individual spoil materials disturbed during mining is required. Relevant information from published literature on the geological origins, lithology and weathering characteristics of individual strata within the Bowen Basin Coal Measures located in Queensland, Australia (and younger overlying weathered strata) has been studied, and related both to natural landforms and to the surface stability of major strata types when disturbed by mining. The resulting spoil classification developed from this study is based primarily on inherent geological characteristics and weathering behaviour of identifiable lithologic components, and as such describes the expected fragmental resilience likely within disturbed materials at Bowen Basin coal mines. The proposed classification system allows the allocation of spoil types to use categories which have application in pre

  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. Geochemical assessments and classification of coal mine spoils for better understanding of potential salinity issues at closure.

    Science.gov (United States)

    Park, Jin Hee; Li, Xiaofang; Edraki, Mansour; Baumgartl, Thomas; Kirsch, Bernie

    2013-06-01

    Coal mining wastes in the form of spoils, rejects and tailings deposited on a mine lease can cause various environmental issues including contamination by toxic metals, acid mine drainage and salinity. Dissolution of salt from saline mine spoil, in particular, during rainfall events may result in local or regional dispersion of salts through leaching or in the accumulation of dissolved salts in soil pore water and inhibition of plant growth. The salinity in coal mine environments is from the geogenic salt accumulations and weathering of spoils upon surface exposure. The salts are mainly sulfates and chlorides of calcium, magnesium and sodium. The objective of the research is to investigate and assess the source and mobility of salts and trace elements in various spoil types, thereby predicting the leaching behavior of the salts and trace elements from spoils which have similar geochemical properties. X-ray diffraction analysis, total digestion, sequential extraction and column experiments were conducted to achieve the objectives. Sodium and chloride concentrations best represented salinity of the spoils, which might originate from halite. Electrical conductivity, sodium and chloride concentrations in the leachate decreased sharply with increasing leaching cycles. Leaching of trace elements was not significant in the studied area. Geochemical classification of spoil/waste defined for rehabilitation purposes was useful to predict potential salinity, which corresponded with the classification from cluster analysis based on leaching data of major elements. Certain spoil groups showed high potential salinity by releasing high sodium and chloride concentrations. Therefore, the leaching characteristics of sites having saline susceptible spoils require monitoring, and suitable remediation technologies have to be applied.

  7. Macroprudential Regulation and Bank Performance: Evidence from India

    OpenAIRE

    Ghosh, Saibal

    2013-01-01

    Employing data on Indian banks for 1992-2012, the article examines the impact of macroprudential measures on bank performance. First, it finds that state-owned banks tend to have lower profitability and soundness than their private counterparts. Next, it tests whether such differentials between state-owned and private banks are driven by macroprudential measures; it finds strong support for this hypothesis.

  8. Macroprudential regulation and bank performance: Does ownership matter?

    OpenAIRE

    Saibal Ghosh

    2015-01-01

    Employing data on Indian banks for 1992–2012, the article examines the impact of macroprudential measures on bank performance. First, it finds that state-owned banks tend to have lower profitability and soundness than their private counterparts. Next, it tests whether such differentials between state-owned and private banks are driven by macroprudential measures; it finds strong support for this hypothesis.

  9. Macroprudential regulation and bank performance:Does ownership matter?

    OpenAIRE

    Ghosh, Saibal

    2013-01-01

    Employing data on Indian banks for 1992-2012, the article examines the impact of macroprudential measures on bank performance. It finds that state-owned banks tend to have lower profitability and soundness than their private counterparts. Next, it tests whether such differentials between state-owned and private banks are driven by macroprudential measures; it finds strong support for this hypothesis.

  10. Banking risk and regulation: Does one size fit all?

    NARCIS (Netherlands)

    Klomp, J.G.; Haan, de J.

    2012-01-01

    Using data for more than 200 banks from 21 OECD countries for the period 2002–2008, we examine the impact of bank regulation and supervision on banking risk using quantile regressions. In contrast to most previous research, we find that banking regulation and supervision has an effect on the risks

  11. Banking risk and regulation : Does one size fit all?

    NARCIS (Netherlands)

    Klomp, Jeroen; de Haan, Jakob

    2012-01-01

    Using data for more than 200 banks from 21 OECD countries for the period 2002-2008, we examine the impact of bank regulation and supervision on banking risk using quantile regressions. In contrast to most previous research, we find that banking regulation and supervision has an effect on the risks

  12. 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. PMID:15682248

  13. 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

  14. Bank capitalization and market share in the Nigeria deposit banks(1986-2006

    Directory of Open Access Journals (Sweden)

    Ikpefan Ochei Ailemen

    2010-12-01

    Full Text Available This study investigates the impact of shareholders’ fund on bank performance (market share in the Nigerian deposit banks (1986-2006. The study captured performance (market share and employed cross sectional and time series of bank data obtained from Central Bank of Nigeria (CBN.The formulated models were estimated using ordinary least square regression method. The study found a strong relationship between bank capital funds and bank deposits, loans and advances (proxies for market concentration. The result shows that shareholders’ fund and total assets of the banks have positive and significant impact in influencing the level of total deposits. The implication of this study, among others, is that adequate shareholders fund can serve as a veritable stimulant in strengthening the performance of Nigeria commercial banks and also heighten the confidence of customers especially in this era of global economic melt-down that has taken its toll in the Nigerian financial system

  15. [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.

  16. Tax Evasion and Swiss Bank Deposits

    DEFF Research Database (Denmark)

    Johannesen, Niels

    Bank deposits in jurisdictions with banking secrecy constitute an effective tool to evade taxes on interest income. A recent EU reform reduces the scope for this type of tax evasion by introducing a source tax on interest income earned by EU residents in Switzerland and several other jurisdictions...... with banking secrecy. In this paper, we estimate the impact of the source tax on Swiss bank deposits held by EU residents while using that non-EU residents were not subject to the tax to apply a natural experiment methodology. We find that the 15% source tax caused Swiss bank deposits of EU residents to drop...

  17. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  18. 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

  19. Consumer behavior in corporate banking

    Directory of Open Access Journals (Sweden)

    Đorđević Bojan

    2008-01-01

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

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

    DEFF Research Database (Denmark)

    Brønnum-Hansen, Henrik; Jonassen, Marie; Shaheen, Amira

    2017-01-01

    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. Results: 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...... among heavy smokers, the mortality effect accounted for 2.5 years without and 4.4 years with disease, whereas the morbidity effect was negligible. Conclusions: The high prevalence of smoking causes a considerable loss of life years and lifetime without chronic disease. We recommend the Palestinian...

  1. 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.

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

    International Nuclear Information System (INIS)

    1994-08-01

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

  3. Phenomenon of Swiss banking

    OpenAIRE

    Milenković Ivan; Milenković Dragana

    2015-01-01

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

  4. 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.

  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. Chemical properties and particle-size distribution of 39 surface-mine spoils in southern West Virginia

    Science.gov (United States)

    William T. Plass; Willis G. Vogel

    1973-01-01

    A survey of 39 surface-mine sites in southern West Virginia showed that most of the spoils from current mining operations had a pH of 5.0 or higher. Soil-size material averaged 37 percent of the weight of the spoils sampled. A major problem for the establishment of vegetation was a deficiency of nitrogen and phosphorus. This can be corrected with additions of...

  7. Microfinance bank and entrepreneurship development in an emerging market

    OpenAIRE

    Adeoye Amuda Afolabi

    2016-01-01

    We determine how Microfinance Banks (MFBs) impacts on entrepreneurship development in Nigeria. Data were collected through structured interview from entrepreneurs, Microfinance Bank managers and Regulators. The finding revealed that non-financial services of Microfinance Banks contribute to the survival of entrepreneurs and there is indication that Microfinance Banks enhance the productivity of entrepreneurship. This finding supports the evidence from the Central Bank of Nigeria (CBN) that th...

  8. 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.

  9. 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

  10. Reduction of Flow Artifacts by Using Partial Saturation in RF-Spoiled Gradient-Echo Imaging

    OpenAIRE

    Han, Misung; Hargreaves, Brian A.

    2011-01-01

    Radiofrequency (RF)-spoiled gradient-echo imaging provides a signal intensity close to pure T1 contrast by using spoiler gradients and RF phase cycling to eliminate net transverse magnetization. Generally, spins require many RF excitations to reach a steady-state magnetization level; therefore, when unsaturated flowing spins enter the imaging slab, they can cause undesirable signal enhancement and generate image artifacts. These artifacts can be reduced by partially saturating an outer slab u...

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

    African Journals Online (AJOL)

    EJIRO

    Total concentrations of 4 heavy metals (Pb, Zn, Cu, and Mn), non-metal As and three reference elements. (Ti, Fe and Al) of a soil profile on spoil heap were examined. 54 soil samples were collected in the soil profile at different depths: 15 to 45, 45 to 75, 75 to 105, 105 to 135 and 135 to 150 cm. The first 15 cm of top layer ...

  12. Development of Soil Characteristics and Plant Communities On Reclaimed and Unreclaimed Spoil Heaps After Coal Mining

    Science.gov (United States)

    Cudlín, Ondřej; Řehák, Zdeněk; Cudlín, Pavel

    2016-10-01

    The aim of this study was to compare soil characteristics, plant communities and the rate of selected ecosystem function performance on reclaimed and unreclaimed plots (left for spontaneous succession) of different age on spoil heaps. Twelve spoil heaps (three circle plots of radius 12.5 m) near the town Kladno in north-west direction from Prague, created after deep coal mining, were compared. Five mixed soil samples from organo-mineral horizons in each plot were analysed for total content of carbon, nitrogen and phosphorus. In addition, active soil pH (pHH2O) was determined. Plant diversity was determined by vegetation releves. The biodiversity value of the habitat according to the Habitat Valuation Method was assessed and the rate of evapotranspiration function by the Method of Valuation Functions and Services of Ecosystems in the Czech Republic were determined. The higher organo-mineral layers and higher amount of total nitrogen content were found on the older reclaimed and unreclaimed plots than in younger plots. The number of plant species and the total contents of carbon and nitrogen were significantly higher at the unreclaimed plots compared to reclaimed plots. The biodiversity values and evapotranspiration function rate were also higher on unreclaimed plots. From this perspective, it is possible to recommend using of spontaneous succession, together with routine reclamation methods to restore habitats after coal mining. Despite the relatively high age of vegetation in some of selected plots (90 years), both the reclaimed and unreclaimed plots have not reached the stage of potential vegetation near to natural climax. Slow development of vegetation was probably due to unsuitable substrate of spoil heaps and a lack of plant and tree species of natural forest habitats in this area. However, it is probable that vegetation communities on observed spoil heaps in both type of management (reclaimed and unreclaimed) will achieve the stage of natural climax and they

  13. Bottom fauna of dredging and dredge spoil disposal sites of a tropical estuary

    Digital Repository Service at National Institute of Oceanography (India)

    Sheeba, P.; Jayalakshmy, K.V.; Devi, S.K.

    gathered at a single point in time. These studies are valuable even though they give only very little insight into the biotic constraints which are highly important in the dynamic processes which establish the real niches of animals. Niche concept.... 1967. Environmental effects of dredging and spoil deposition. Proceedings of WODCOM, World Dredging Conference (Palos Verdes Estates, California): 353-359. Heip, C. 1974. A new index measuring evenness. Journal of the Marine Biology Association (UK...

  14. Submesoscale currents and coastal wave impacts: example of the North Carolina Outer Banks and possible investigation with future satellites

    Science.gov (United States)

    Ardhuin, F.; Gille, S. T.; Menemenlis, D.; Rocha, C. B.; Rascle, N.

    2016-12-01

    Tidal currents and large oceanic currents, such as the Agulhas, Gulf Stream and Kuroshio, are known to modify ocean wave properties, causing extreme sea states that are a hazard to navigation. Recent advances in the understanding and modeling capability of ocean currents at submesoscales have revealed the ubiquitous presence of fronts and filaments. Based on realistic numerical models, we show that these structures can be the main source of variability in significant wave heights at scales less than 200 km, with important variations down to 10 km. This current-induced variability creates gradients in wave heights that were previously overlooked and are relevant for extreme wave heights and remote sensing. The spectrum of significant wave heights is found to be roughly proportional to 2/(g22) times the current spectrum, where is the spatially-averaged significant wave height, is the average energy period, and g is the gravity acceleration. That part of the work has just been submitted to Geophys. Res. Lett. A specific application to the North Carolina outer banks discusses the relative influence of offhsore currents and their detailed structure on nearshore wave height, directional properties and radiation stresses. We will also discuss the capabilities of planned (CFOSAT and SWOT) or proposed (SKIM) satellite missions to observe these small scale variations in waves, currents and their interactions.

  15. 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.

  16. 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.

  17. Remediation of Acid Generating Colliery Spoil Using Steel Slag - Case Studies

    Science.gov (United States)

    Ghataora, Gurmel S.; Ghazireh, Nizar; Hall, Nigel

    2015-06-01

    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.

  18. Magnetization spoiling in radial FLASH contrast-enhanced MR digital subtraction angiography.

    Science.gov (United States)

    Vakil, Parmede; Ansari, Sameer A; Hurley, Michael C; Bhat, Himanshu; Batjer, H Hunt; Bendok, Bernard R; Eddleman, Christopher S; Carroll, Timothy J

    2012-07-01

    To increase the in-plane spatial resolution and image update rates of 2D magnetic resonance (MR) digital subtraction angiography (DSA) pulse sequences to 0.57 × 0.57 mm and 6 frames/sec, respectively, for intracranial vascular disease applications by developing a radial FLASH protocol and to characterize a new artifact, not previously described in the literature, which arises in the presence of such pulse sequences. The pulse sequence was optimized and artifacts were characterized using simulation and phantom studies. With Institutional Review Board (IRB) approval, the pulse sequence was used to acquire time-resolved images from healthy human volunteers and patients with x-ray DSA-confirmed intracranial vascular disease. Artifacts were shown to derive from inhomogeneous spoiling due to the nature of radial waveforms. Gradient spoiling strategies were proposed to eliminate the observed artifact by balancing gradient moments across TR intervals. The resulting radial 2D MR DSA sequence (2.6 sec temporal footprint, 6 frames/sec with sliding window factor 16, 0.57 × 0.57 mm in-plane) demonstrated small vessel detail and corroborated x-ray DSA findings in intracranial vascular imaging studies. Appropriate gradient spoiling in radial 2D MR DSA pulse sequences improves intracranial vascular depiction by eliminating circular banding artifacts. The proposed pulse sequence may provide a useful addition to clinically applied 2D MR DSA scans. Copyright © 2012 Wiley Periodicals, Inc.

  19. 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

  20. Mode of Entry and the Performance of Foreign Banks: Evidence from Turkish Banking Industry

    Directory of Open Access Journals (Sweden)

    Ahmet AKIN

    2016-05-01

    Full Text Available Emerging economies have been attracting considerable amount of foreign direct investments to the banking industry through cross-border acquisitions and new establishments. Whether mode of entry influences the performance of foreign banks is an important question. This study analyzes the impact of entry mode on the foreign bank performance in Turkey for the period before and after the global financial crisis. Profitability and relative efficiencies are used to measure the performance of banks. Then, Tobit and multivariate regressions are performed to detect the performance differentials between the bank groups. Analysis reveals that greenfield banks have superior performance over the takeover banks in terms of only profitability. Mode of entry does not have a statistically significant effect on efficiency. Besides, there are no efficiency or profitability gains for takeover banks after acquisition.

  1. 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.

  2. 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 ...

  3. 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.

  4. 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.

  5. PENGARUH DIMENSI BANKING SERVICE QUALITY (BSQ TERHADAP KEPUASAN NASABAH BANK

    Directory of Open Access Journals (Sweden)

    Sri Sumardiningsih

    2012-10-01

    Full Text Available Abstract: Effect of Banking Service Quality (BSQ Dimensions towards Bank Customer Satisfaction. This study aims to determine the effect of Banking Service Quality (BSQ to the customer satisfaction of BPD Bank in DIY. This research is a survey research with a sample of 1.536 respondents. The sample was taken by purposive sampling technique. Data collection instrument was questionnaires and analyzed using multiple regression. The results showed that six dimensions of BSQ simultaneously gave positive and significant impact on customer satisfaction. If seen from each dimension individually; the highest influence came from the reliability dimension and the lowest dimensions were from Access and Services Portfolio dimensions. For the national servants (PNS customers, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. For the non national servants, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. Keywords: Banking Service Quality, Customer Satisfaction   Abstrak: Pengaruh Dimensi Banking Service Quality (BSQ Terhadap Kepuasan Nasabah Bank. Penelitian ini bertujuan untuk mengetahui pengaruh Banking Service Quality (BSQ terhadap kepuasan nasabah Bank BPD di DIY. Penelitian ini merupakan penelitian survey dengan sampel secara keseluruhan berjumlah 1.536 responden. Sampel diambil dengan teknik purposive sampling. Instrumen pengumpulan data berupa kuesioner dan dianalisis  dengan regresi ganda. Hasil penelitian menunjukkan keenam dimensi BSQ secara simultan berpengaruh positif dan signifikan terhadap kepuasan nasabah, jika dilihat tiap dimensi maka pengaruh tertinggi berasal dari dimensi keterhandalan dan terendah dari dimensi

  6. 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.

  7. 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...

  8. 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.

  9. 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

  10. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... powerful vehicle for research. Banks can provide information and services online which customers can pay for and receive. Banking processes are made more efficient and cost effective by integrating other aspects of banking operations such as management and financial control. Ovia. [6] posits that on-line ...

  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. Social network structures and bank runs

    Science.gov (United States)

    Li, Shouwei; Li, Jiaheng

    2016-05-01

    This paper investigates the impact of social network structures of depositors on bank runs. The analyzed network structures include random networks, small-world networks and scale-free networks. Simulation results show that the probability of bank run occurrence in random networks is larger than that in small-world networks, but the probability of bank run occurrence in scale-free networks drops from the highest to the lowest among the three types of network structures with the increase of the proportion of impatient depositors. The average degree of depositor networks has a significant impact on bank runs, but this impact is related to the proportion of impatient depositors and the confidence levels of depositors in banks.

  13. 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.

  14. Incorporating orphaned mine spoil reclamation into the mining plan

    Energy Technology Data Exchange (ETDEWEB)

    Gulliford, J.B.

    1978-06-13

    As a part of the coal mining and restoration research, a steeply sloped, forty acre pasture site of low agricultural productivity was chosen for Iowa Coal Project Demonstration Mine No. 1. During mining, 110,000 tons of coal were removed, impact on the surrounding environment was kept at a minimum and the site was restored to a series of level benched terraces suitable for intensive row crop production. Continuing experiments on this site will determine the effectiveness of the restoration with respect to environmental protection and agricultural productivity. As a part of this operation a unique project was initiated to develop a reclamation program for an abandoned surface mine site adjacent to the primary Demonstration Mine experiment.

  15. 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

  16. 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.

  17. 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

  18. Tax evasion and Swiss bank deposits

    DEFF Research Database (Denmark)

    Johannesen, Niels

    2014-01-01

    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...... 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...

  19. 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.

  20. 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

  1. 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

  2. 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.

  3. 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…

  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. 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

  6. 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...

  7. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

  8. 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.

  9. 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.

  10. 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.

  11. Merchant Banks Fortunes And Structureal Challenges Of Universal ...

    African Journals Online (AJOL)

    This study examined universal banking and its impact on the fortunes merchant banks in the Port Harcourt business environment. To achieve the purpose of the study, questionnaire and personal interview instruments were used, and this involved 15 executives of five merchant banks operating in Port Harcourt metropolis.

  12. 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

  13. 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.

  14. 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.

  15. Ecological study of revegetated coal mine spoil of an Indian dry tropical ecosystem along an age gradient.

    Science.gov (United States)

    Singh, R S; Tripathi, N; Chaulya, S K

    2012-11-01

    Mineral nitrogen (MN), belowground (root) biomass (BGB), soil nitrogen (N) mineralization (NM), microbial biomass N (MBN) and mine dump stability of a revegetated mine spoil were studied after 2, 6, 10 and 12 years of re-vegetation on coal mine spoil site. MN in revegetated mine spoil ranged from 7.4 to 11.6 kg ha(-1), NM from 38.4 to 252 kg ha(-1) year(-1), MBN from 86 to 426 kg ha(-1), and BGB from 380 to 3,750 kg ha(-1). Mining caused decline of physico-chemical characteristics of soil like MN by 46 %, N-mineralization by 92 %, MBN values by 91 %, respectively compared to forest ecosystems and reduction of total plant biomass (above ground and below ground). Revegetation of mine spoil caused increase in MN values by 12, 36 and 76 %, BGB values by 380, 1770 and 3750 times, NM values by 0.6, 3.58 and 9.5 times and MBN values by 0.43, 2.77, and 6.07 times in 2, 6 and 12 years, respectively. BGB was highly correlated with MN and MBN. Clay content was positively correlated to MN, NM, and the age of revegetation (P < 0.01). Numerical modelling indicated that revegetation increased the dump slope stability with a factor of safety from 1.2 to 1.4, 1.7, 1.9 and 2.1 after 2, 6, 10 and 12 years, respectively. Thus, long-term revegetation was found to enhance the dump stability and the soil fertility status in mine spoil, where plant biomass and microbial biomass provide major contributions in ecological redevelopment of the mine spoil.

  16. 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...

  17. Innovative approaches in organization of investment and financial cooperation of entrepreneurial and banking business

    OpenAIRE

    Olha Vladymyr

    2014-01-01

    The article deals with the structure and proportion of foreign capital in the banking system of Ukraine, defined by its positive and negative impact on the foreign exchange market and the banking system as a whole. Excessive isolation of the banking system of Ukraine from foreign capital leads to restriction resources on the domestic currency market and to a decrease the competitiveness of banks. In the article performed the comparative analysis of domestic banks and banks with...

  18. 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

  19. Capital Requirements and Banking Stability in Emerging Countries

    OpenAIRE

    Saadaoui, Zied

    2009-01-01

    The Basel capital accords were established by the banking supervisory authorities of the G10 countries, members of the Basel Committee on Banking Supervision, and were applied to the international banks based in these countries. But, do the Basel accords bring more banking stability to emerging countries? In fact, several studies showed that economic and institutional features of these countries, may contribute to an inefficient prudential impact of capital requirements on banks’ behaviour. T...

  20. 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...

  1. 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...

  2. Acidification - neutralization processes in a lignite mine spoil amended with fly ash or limestone

    Energy Technology Data Exchange (ETDEWEB)

    Seoane, S.; Leiros, M.C. [Universidad de Santiago de Compostela, Santiago de Compostela (Spain). Dept. de Edafologia y Quimica Agricola

    2001-08-01

    A laboratory experiment was conducted to investigate the long-term effects of amending sulfide-rich lignite mine spoil with fly ash (originating from a coal-fired power station and largely comprised of aluminosilicates) and/or agricultural limestone. The experiment was carried out with soil moisture maintained at field capacity or alternate cycles of wetting and drying. Results obtained suggest that the principal acidification processes were oxidation of sulfide and formation of hydroxysulfate (FeOHSO{sub 4}), whereas the main neutralization processes were weathering of aluminosilicates in fly ash-treated samples. The highest dose of limestone rapidly raised the pH of the spoil, but this increase was not maintained throughout the one-year experiment. In contrast, fly ash-treated samples showed a more sustained increase in pH, attributable to the gradual weathering of aluminosilicates. The best results (i.e., good short- and long-term neutralization) were obtained in samples treated with both fly ash and limestone. The low liming capacity of the fly ash (47.85 cmol kg{sup -1}) means that it must be used in large quantities, an advantage in achieving the further aim of disposing of the fly ash. 33 refs., 5 figs., 4 tabs.

  3. Reduction of flow artifacts by using partial saturation in RF-spoiled gradient-echo imaging.

    Science.gov (United States)

    Han, Misung; Hargreaves, Brian A

    2011-05-01

    Radiofrequency (RF)-spoiled gradient-echo imaging provides a signal intensity close to pure T(1) contrast by using spoiler gradients and RF phase cycling to eliminate net transverse magnetization. Generally, spins require many RF excitations to reach a steady-state magnetization level; therefore, when unsaturated flowing spins enter the imaging slab, they can cause undesirable signal enhancement and generate image artifacts. These artifacts can be reduced by partially saturating an outer slab upstream to drive the longitudinal magnetization close to the steady state, while the partially saturated spins generate no signal until they enter the imaging slab. In this work, magnetization evolution of flowing spins in RF-spoiled gradient-echo sequences with and without partial saturation was simulated using the Bloch equations. Next, the simulations were validated by phantom and in vivo experiments. For phantom experiments, a pulsatile flow phantom was used to test partial saturation for a range of flip angles and relaxation times. For in vivo experiments, the technique was used to image the carotid arteries, abdominal aorta, and femoral arteries of normal volunteers. All experiments demonstrated that partial saturation can provide consistent T(1) contrast across the slab while reducing inflow artifacts. Copyright © 2011 Wiley-Liss, Inc.

  4. 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.

  5. 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.

  6. 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...

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

    African Journals Online (AJOL)

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

  8. 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.

  9. Impact of the terrorist bombings of the Hong Kong Shanghai Bank Corporation headquarters and the British Consulate on two hospitals in Istanbul, Turkey, in November 2003.

    Science.gov (United States)

    Rodoplu, Ulkümen; Arnold, Jeffrey L; Yücel, Tayfun; Tokyay, Rifat; Ersoy, Gurkan; Cetiner, Serkan

    2005-07-01

    The authors sought to estimate the impact of the terrorist bombings of the Hong Kong Shanghai Banking Corporation headquarters and the British consulate in Istanbul, Turkey, on November 20, 2003, on two nearby hospitals, in terms of epidemiologic outcomes, resource utilization, and time course of emergency needs. The authors used data from hospital records of injured survivors who used the emergency departments (EDs) at the Taksim Education and Research State Hospital (TERSH) and the American Hospital (AH) in Istanbul on November 20, 2003, to determine the totals and rates of mortality (early, late, and critical), injury, critical injury (Injury Severity Score > 15), ED use, hospitalization, operative care, and in-hospital overtriage and the time intervals of ED arrival. The TERSH received 184 victims in the first hour after the initial blast, of which 88 (48%) were brought by emergency medical services, 171 (93%) had lacerations, 7 (4%) had penetrating eye injuries, 28 (15%) were hospitalized, 18 (10%) received operative care, and 7 (4%) were critically injured. Three deaths occurred in critically injured survivors, including one early death in the operating room and two late deaths on days 5 and 6. The AH received 16 victims, of which 14 (88%) had lacerations, 3 (19%) were hospitalized, 2 (13%) received operative care, and 1 (6%) was critically injured. An additional 4 victims were transferred to the AH from other hospitals, of which 3 were hospitalized and none were critically injured. No early or late deaths occurred. Mortality, injury, and hospitalization rates at both hospitals were consistent with previous reports of open-air mass-casualty terrorist bombings. The TERSH experienced an unprecedented demand for ED surge capacity in an open-air bombing.

  10. Essays on banking : Various aspects of the interaction between a firm and its creditor banks

    NARCIS (Netherlands)

    Morales Acevedo, Paola

    2016-01-01

    This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with

  11. 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

  12. 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

  13. 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...

  14. 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...

  15. 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....

  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 tostudy area. For the latter, a spreading of fine particles was observed extending from the conical deposit towards the south west. To favour long

  17. 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 ...

  18. 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...

  19. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

    The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...

  20. 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...

  1. 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.

  2. 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.

  3. Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Nigeria

    Directory of Open Access Journals (Sweden)

    Oluwaseyi Ebenezer Olalere

    2017-02-01

    Full Text Available The study examines the bank-specific and macroeconomic determinants of banks profitability in Nigeria analyzing audited financial reports of selected sixteen (16 commercial banks over the period of 2010 to 2015 making up to 96 observations. The study identified that existing studies are sketchy in developing economies even though many studies have emerge in developed economies. The bank profitability is measured by return on assets and return on equity as function of bank-specific and macroeconomic determinants. Using the balanced panel data set, the empirical results of the study shows that capital adequacy and liquidity have a positive and significant effect on bank profitability. However, efficiency ratio have a negative and significant effect on bank profitability. With regards to macroeconomic variable, GDP growth also have a positive and significant impact on banks profitability. The empirical results of the study suggested that banks can improve their profitability through increasing capital and liquidity, decreasing operating cost with conscious effort to maintain transparency in their operations. In addition, a good economic environment for financial institutions foster increase in bank profitability. Hence, the study recommends that further studies can expand the scope while extending to other industries as well.

  4. Pemanfaatan E-Banking Dalam Industri Perbankan Ditinjau Dari Structure-Conduct-Performance Paradigm Di Indonesia

    OpenAIRE

    Barusman, M.Yusuf S

    2010-01-01

    Utilization of e-banking in the banking industry in Indonesia began in 2000, until the year 2008 a new 9 banks from 122 banks that use e-banking. The decision to implement e-banking is considered as a very courageous decision, since there is no legality that protects the use of e-banking. Since 2008, the government issued regulations on the Information and Electronic Transactions (ITE). In this research, the problems are: 1) How does the impact of utilization of e-banking in the development o...

  5. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.

  6. 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

  7. 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

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

    Science.gov (United States)

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

    2017-04-01

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

  9. Determinants of the Profitability in the Czech Banking Industry

    Directory of Open Access Journals (Sweden)

    Iveta Palečková

    2016-12-01

    Full Text Available The aim of this paper is to estimate the banking profitability determinants of the Czech commercial banks during the period 2004-2014. For estimation of banking profitability we used three common measures, namely the Return on Assets, Return on Equity and Net Interest Margin. We estimated twelve determinants of banking performance. The effect of the determinants of banking profitability is estimated using panel data analysis. The data set is consists of seventeen commercial banks in the Czech Republic. The results show that the profitability was positively influenced by the bank’s size, capitalization, credit risk, level of concentration, ownership structure and bank’s market share. Number of branches of the bank had the negative impact on ROA and ROE. on the other hand, the variables Gross Domestic Product, interest rate, liquidity risk, riskiness of bank’s portfolio and affiliation with financial conglomerate have not got the significant influence on profitability of the Czech commercial banks.

  10. 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

  11. Dump stability and soil fertility of a coal mine spoil in Indian dry tropical environment: a long-term study.

    Science.gov (United States)

    Tripathi, Nimisha; Singh, Raj Shekhar; Chaulya, Swadesh K

    2012-10-01

    Plant available nitrogen, belowground (root) biomass, soil nitrogen (N) mineralization and microbial biomass N (MBN) were studied for 12 years at the interval of 2 years (0, 2, 4, 6, 8, 10 and 12 years) and mine dump stability at the intervals of 6 years (0, 6 and 12 years) after re-vegetation on coal mine spoil site. Plant available nitrogen in revegetated mine spoil ranged from 4.51 to 6.59 μg g(-1), net N-mineralization from 1.87 to 13.85 μg g(-1) month(-1), MBN from 10 to 22.63 μg g(-1), and root biomass from 28 to 566 g(-2). Mining activity has caused a change in soil characteristics including plant available nutrients like nitrate-N, ammonium-N and phosphate-P by 70, 67, and 76 %, respectively, N-mineralization by 93 %, root biomass values by 97 % and MBN values by 91 % compared to forest ecosystems. Revegetation of mine spoil produced increase in root biomass values by 1.3, 7.6 and 17.2 times, mineral N values by 1.22, 1.43 and 1.79 times, N-mineralization values by 1.8, 5.2 and 12.6 times and MBN values by 1.6, 2.0, and 3.4 times in 2, 6 and 12 years, respectively. Below ground biomass was highly co-related with microbial biomass and plant available nutrients. N-mineralization, plant available nutrients and the clay content were positively correlated with age of revegetation (P soil fertility status in mine spoil, where plant biomass and microbial biomass provide major contributions in ecological redevelopment of the mine spoil.

  12. 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.

  13. 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

    the intrinsic parameters maps M 0 and T 1 of the fruit tissues. Water transport and paths flow were monitored using Gd 3+/[Fe(CN)6]3-/D - mannitol nanoparticles as a tracer. This dynamic study was carried out using a compartmental modeling. The CA was preferentially accumulated in the surrounding tissues...... 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...... of columella and in the seed envelopes. The total quantities and the average volume flow of water estimated are: 198 mg, 1.76 mm 3/h for the columella and 326 mg, 2.91 mm 3/h for the seed envelopes. We demonstrate in this paper that the NMR imaging technique coupled with efficient and biocompatible CA...

  14. Behavior of Psychrotrophic Lactic Acid Bacteria Isolated from Spoiling Cooked Meat Products

    Science.gov (United States)

    Hamasaki, Yoshikatsu; Ayaki, Mitsuko; Fuchu, Hidetaka; Sugiyama, Masaaki; Morita, Hidetoshi

    2003-01-01

    Three kinds of lactic acid bacteria were isolated from spoiling cooked meat products stored below 10°C. They were identified as Leuconostoc mesenteroides subsp. mesenteroides, Lactococcus lactis subsp. lactis, and Leuconostoc citreum. All three strains grew well in MRS broth at 10°C. In particular, L. mesenteroides subsp. mesenteroides and L. citreum grew even at 4°C, and their doubling times were 23.6 and 51.5 h, respectively. On the other hand, although the bacteria were initially below the detection limit (<10 CFU/g) in model cooked meat products, the bacterial counts increased to 108 CFU/g at 10°C after 7 to 12 days. PMID:12788779

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  16. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  17. Does regulation improve bank peroformance in South and East Asia?

    OpenAIRE

    Mamatzakis, Emmanuel; Hu, Wentao

    2014-01-01

    In this paper, we utilize stochastic frontier analysis to estimate the impact of the regulations and institutions on bank efficiency through analyzing 389 savings and commercial banks in 11 Asian countries during the period 2000-2012. We find that activity restriction, capital requirement, official supervisory and private monitoring have a positive impact on bank performance. Furthermore, a wholesome institutional environment with powerful government, low corruption and strict law can enhance...

  18. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  19. French bank mergers and acquisitions performance

    Directory of Open Access Journals (Sweden)

    Houda Ben Said

    2017-11-01

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

  20. Bank Units. Assessment and Development Tendencies

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-01-01

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

  1. Corporate Governance, Intellectual Capital and Financial Performance of Banks listed in Pakistan Stock Exchange

    Directory of Open Access Journals (Sweden)

    Javed Iqbal

    2017-09-01

    Full Text Available This study aims to examine the impact of Corporate Governance (CG and Intellectual Capital (IC on financial performance in banks listed in Pakistan stock exchange. Due to the different scope of business, the banks are dived into two groups – Commercial banks and Microfinance & investment banks, and analyzed their data separately. We have used Generalized Least Squared (GLS model to examine the impact of Corporate Governance and Intellectual Capital, and then impact of Intellectual capital on financial performance. The results show that Corporate Governance has significant impact on intellectual capital in both groups of banks. Board ownership has positive significant coefficient only in case of microfinance & investment banks, while Board size and Board independence significantly improve intellectual capital efficiency in case of both types of banks. Human capital efficiency significantly effects financial performance in Microfinance and investment banks, whereas commercial banks improve their financial performance through structural capital efficiency.

  2. Minimization of Impact from Electric Vehicle Supply Equipment to the Electric Grid Using a Dynamically Controlled Battery Bank for Peak Load Shaving

    Energy Technology Data Exchange (ETDEWEB)

    Castello, Charles C [ORNL

    2013-01-01

    This research presents a comparison of two control systems for peak load shaving using local solar power generation (i.e., photovoltaic array) and local energy storage (i.e., battery bank). The purpose is to minimize load demand of electric vehicle supply equipment (EVSE) on the electric grid. A static and dynamic control system is compared to decrease demand from EVSE. Static control of the battery bank is based on charging and discharging to the electric grid at fixed times. Dynamic control, with 15-minute resolution, forecasts EVSE load based on data analysis of collected data. In the proposed dynamic control system, the sigmoid function is used to shave peak loads while limiting scenarios that can quickly drain the battery bank. These control systems are applied to Oak Ridge National Laboratory s (ORNL) solar-assisted electric vehicle (EV) charging stations. This installation is composed of three independently grid-tied sub-systems: (1) 25 EVSE; (2) 47 kW photovoltaic (PV) array; and (3) 60 kWh battery bank. The dynamic control system achieved the greatest peak load shaving, up to 34% on a cloudy day and 38% on a sunny day. The static control system was not ideal; peak load shaving was 14.6% on a cloudy day and 12.7% on a sunny day. Simulations based on ORNL data shows solar-assisted EV charging stations combined with the proposed dynamic battery control system can negate up to 89% of EVSE load demand on sunny days.

  3. Do negative interest rates make banks less safe?

    NARCIS (Netherlands)

    Nucera, Federico; Lucas, André; Schaumburg, Julia; Schwaab, Bernd

    2017-01-01

    We study the impact of increasingly negative central bank policy rates on banks’ propensity to become undercapitalized in a financial crisis (‘SRisk’). We find that the risk impact of negative rates depends on banks’ business models: Large banks with diversified income streams are perceived as less

  4. Brand building process of banking services

    Directory of Open Access Journals (Sweden)

    Filipović V.

    2006-01-01

    which clients choose a bank, adequate strategies for communication with a target group are created. Problems in the process of brand building areas as a consequence of the passive and undefined communication strategy, dissatisfaction of the users with overall bank service, and lack of the trust between a bank and its users. The further researches will relate to the quality research of brand building of banking services portfolios in Serbia and an impact of the concept of internal and integrated marketing communication in the process of building a corporate brand seen from the standpoint of managers working in banking sector.

  5. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Antonio Bianco

    2015-12-01

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

  7. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  8. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

    This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

  9. GenBank

    OpenAIRE

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

    2008-01-01

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

  10. GenBank

    OpenAIRE

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

    2012-01-01

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

  11. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  12. Hydrological remedial actions for polluted overburden dumps, spoils and landfills. Papers and posters; Wasserwirtschaftliche Sanierung von Bergbaukippen, Halden und Deponien. Vortraege und Posterbeitraege

    Energy Technology Data Exchange (ETDEWEB)

    Pohl, A. [ed.; Haefner, F.; Schmidt, J.; Merkel, B. [comps.

    2000-07-01

    This publication contains the papers and posters presented at the conference 'Hydrological remedial actions for polluted overburden dumps, spoils and landfills. 35 Papers have been recorded as separate citations in this database.

  13. Empirical Assessment on Financial Regulations and Banking Sector Performance

    Directory of Open Access Journals (Sweden)

    Igbinosa S.

    2017-09-01

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

  14. Determinants of Banking Credit Default in Indonesia: A Comparative Analysis

    Directory of Open Access Journals (Sweden)

    Muhammad Imaduddin

    2008-08-01

    Full Text Available This study aims to analyze the determinants of Islamic banking credit default compared with conventional banking in Indonesia. This study utilized timeseries analysis, by which ordinary least square method is adopted. 40 monthly data observations from January 2003 until April 2006 are used. The study is divided into two models, namely Islamic banking model and conventional banking model. The values of non-performing financing (NPF in Islamic banking and non-performing loan (NPL in conventional banking are treated as the dependent variables. The results showed that two-month lagged of non-performing financing (NPF, total asset (ASSET, the amount of thirdparty-funds (TPF, one-month lagged of total financing (DFIN, and growthof gross-domestic product (GDPG variables have significant impact to the ratio of non-performing financing (NPF in Islamic banking. Meanwhile, the three-month lagged of non-performing loan (DDDNPL, total asset (CASSET, three-month as well as two-month period lagged of total loan (DDDCRED and DDCRED, inter-bank money market (PUAB, and growth of gross-domestic (GDPG are significant to influence the ratio of non-performing loan (NPL in conventional banking. The result also implied that the general election in 2004 had a significant influence to the ratio of non-performing financing (NPF in Islamic banking.Even tough from the outset, it seems Islamic banking has a better performance than conventional banking by having a relatively low NPF, this study, however, has found the opposite. Albeit, Islamic banking showing a good long-runas well as short-run dynamics among all variables in the beginning, after modifying the model into autoregressive in the main analysis, results showed that conventional banking has a better performance than Islamic banking with higher correlation of determination. In this regard, we cannot assume thatIslamic banking is performing poorly in managing credit default problems. This is because the result

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

    Science.gov (United States)

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

    2016-12-01

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

  16. Unconventional Monetary Policy and Bank Risk Taking in Euro Area

    Directory of Open Access Journals (Sweden)

    Ioana Pleșcău

    2016-01-01

    Full Text Available Central banking over the world has changed after the 2008 financial crisis. Monetary policyhas expanded the array of instruments it used in order to influence the macro economy. Majorcentral banks started using not only traditional, conventional instruments, but also some nonstandardmeasures in order to avoid economic collapse and sustain the banking system. The aim ofthis paper is to analyse the impact of European Central Bank unconventional instruments,measured using the change in its balance sheet, on the bank risk-taking of commercial banks fromEurozone, captured by Z-Score. Our findings point to an increase of bank risk-taking, due to theuse of unconventional monetary policy measures.

  17. impact of interval marketing on market- oriented considering mediatory variables of organizational commitment and organizational citizenship behavior: case of Mellat bank of Tehran.

    OpenAIRE

    Tahmoures Hassangholipour; Manouchehr Ansari; Akram Elahigol; Hossein Rahmani Youshanloei

    2012-01-01

    The purpose of this paper is to examine the relationship between "internal marketing" and "market orientation" considering the mediator variable of "organizational commitment" in branches of Bank Mellat in the city of Tehran as a financial-service provider firm. The questionnaire in this study has been extracted from the related literature and its validity has been approved by the field experts and factor analysis. The research methodology adopted in this study is typically descriptive and co...

  18. Impact of Internal marketing on market- oriented considering mediatory variables of organizational commitment and organizational citizenship behavior: case of Mellat bank of Tehran

    OpenAIRE

    Tahmores Hasangholipour; Manouchehr Ansari; Akram Elahi Gol; Hossein Rahmani Youshanlouei

    2012-01-01

    The purpose of this paper is to examine the relationship between "internal marketing" and "market orientation" considering the mediator variable of "organizational commitment" in branches of Bank Mellat in the city of Tehran as a financial-service provider firm. The questionnaire in this study has been extracted from the related literature and its validity has been approved by the field experts and factor analysis. The research methodology adopted in this study is typically descriptive and co...

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

    DEFF Research Database (Denmark)

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

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

  20. SURVEY OF DEMAND AND SUPPLY BALANCE IN LOAN MARKETS: CENTRAL BANK'S EXPERIENCE

    Directory of Open Access Journals (Sweden)

    S. Naumenkova

    2014-09-01

    Full Text Available This article examines the existing Bank Lending Survey (BLS approaches to the assessment of the non-price lending conditions' impact on the credit market balance. BLS responses provided domestic central banks an early and reliable signal about the deterioration of financing conditions and the financial access. The monitoring pattern stipulate by using the core indicators: net percentage, diffusion index, Bank Lending Tightness (BLT. The priority tasks for National Bank of Ukraine for Bank Lending Survey were put forward by author. Senior Loan Officer Opinion Survey (SLOOS on Bank Lending Practices address changes in the supply of, and demand for, bank loans to businesses and households over the past months.

  1. STUDY REGARDING THE PERFORMANCE OF THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Maria Daciana Rodean Cozma

    2014-09-01

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

  2. FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

    Directory of Open Access Journals (Sweden)

    Svetlana Lanets

    2015-11-01

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

  3. Subterranean clover enhances production of [open quote]Coastal[close quote] bermudagrass in the revegetation of lignite mine spoil

    Energy Technology Data Exchange (ETDEWEB)

    Harris, P.A. (Kansas Agriculture Experimental Station, Hays (United States)); Zuberer, D.A. (Texas A M Univ., College Station (United States))

    Lignite mine spoils in Texas are commonly revegetated with [open quote]Coastal[close quote] bermudagrass [Cynodon dactylon (L.) Pers.]. Legumes have been overseeded in bermudagrass in reclamation programs in Texas, but information regarding establishment and persistence in mine spoil is limited. A field study investigated the effects of fertilization and inoculation with Rhizobium spp. on subterranean clover (Trifolium subterraneum L.; subclover) establishment and production in mine spoil and to assess the effect of subclover on Coastal bermudagrass. Subclover seed was broadcast into a 6-mo-old bermudagrass sod in October 1986. Individual plots were fertilized, or left unfertilized at the beginning of each clover season (Sept.-Oct.); however, all plots were fertilized at the start of each grass season (April-May). Although native rhizobia was present in plots, inoculation with a commercial, multi-strain inoculant increases subclover forage production (100%) and total N and P yields of subclover. The overseeding of subclover into the bermuda grass sod increased grass production and total N and P yields later in the first year and in the second season. However, inoculation of subclover had little effect on subsequent grass production. There was an apparent positive benefit of P fertilization on subclover and bermudagrass production. The effect of subclover on grass production was apparent by the end of the first grass season, and it became even more evident in the second year. The results showed that subclover was established and maintained for at least two seasons in a bermudagrass sod on reclaimed lignite spoil, and that the clover benefited the subsequent grass crop when fertilized with P and K, apparently by providing extra [open quotes]fixed[close quotes] N for grass production. 22 refs., 5 tabs.

  4. Bank profitability: Insights from the rural banking industry in Ghana

    OpenAIRE

    Adusei, Michael

    2015-01-01

    This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana). The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk,...

  5. Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  6. REPUTATIONAL AND OPERATIONAL RISKS IN EUROPEAN BANKS

    Directory of Open Access Journals (Sweden)

    Roxana HERGHILIGIU

    2014-06-01

    Full Text Available In the past 20 years operational and reputational risk has become more intriguing due to the public scandals of rogue tranding in banks like Barings Bank, Allied Irish Banks, Enron. The purpose of this study is to find the connections between operational risk and reputational risk. Our research shows that there may be a loss of reputation due to operational loss events. Moreover, every type of operational risk, from internal fraud, external fraud, legal and liability losses, processing errors, information security breaches, inappropriate business practice, physical security breaches conduct to a loss of reputation. The limitations of this paper are represented by the fact that do not have enough data to show the real impact of the reputation risk to the financial results of the European Banks.

  7. Essays on historical banking

    NARCIS (Netherlands)

    Dwarkasing, N.R.D.

    2014-01-01

    This dissertation studies the British banking sector from the end of the 19th century until the beginning of the 20th century. The British banking sector at that time was one of the most developed ones and was characterized by the fact that very little regulation existed concerning, amongst others,

  8. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

    institution in the financial market. This is due to the very nature of banks whose failure is viewed to have greater effect on the economy than the failure of other types of businesses (Ogunleye (2005: 3). Along with the traditional banks, Non-. Financial Institutions (NBFIs) also play intermediation role in the financial system by ...

  9. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly

  10. iBank

    Science.gov (United States)

    Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.

    2012-01-01

    iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…

  11. Competition in EU banking

    NARCIS (Netherlands)

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

    2017-01-01

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

  12. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  13. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  14. Three essays on banking

    NARCIS (Netherlands)

    Vlahu, R.E.

    2011-01-01

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

  15. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  16. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  17. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  18. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mirela CIOCAN

    2014-06-01

    Full Text Available The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return on assets, leverage effect, profit rate and the rate of assets utilization, in order to identify the methods of quantifying the performance of the Romanian banking system, by reference to two commercial banks, namely Transilvania Bank and Intesa Sanpaolo Bank. After the analysis and calculation of these indicators, we can notice a good situation of the banks concerned. In order to improve Romanian banking system are under consideration: reducing the costs of banking intermediation, raising the coverage levels at European level and reducing the compulsory reserves. After the analysis of organization the banking system in Romania and comparing banking systems at the level of some countries of the European Union we can conclude that national banking system has its own particularities, in terms of banks name, types of activities covered under this name as well as those at European Union level.

  19. Bank profitability: Insights from the rural banking industry in Ghana

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.

  20. Modification of meander migration by bank failures

    Science.gov (United States)

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

    2014-05-01

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

  1. SEGMENTATION OF SME PORTFOLIO IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Namolosu Simona Mihaela

    2013-07-01

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

  2. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  3. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  4. Islamic Banking in Global Economic Context (Critical Studies of Operational System and Performance of Islamic Banking

    Directory of Open Access Journals (Sweden)

    Jamal Abdul Aziz

    2018-01-01

    al-mu’âmalah, the abolition of interest, and the rejection of unlawful business practices. Moreover, the Islamic bank is no different from conventional banks. The impact of such less substantial and comprehensive islamization is the perception that Islamic bank is precisely 'shackled' by the concepts underlying classical fiqh, where it tends to be counter-productive with modern business trends which are constantly demanding efficiency and flexibility. In order to remain able to survive in the future, Islamic banks need to evaluate itself continuously by always open to criticism addressed to them. The conception of Islamic banking oriented too much to the doctrine must be balanced with an awareness of the facts and the demands of modern business, both local and global scale. While the ideals of the Islamic ideal, such as the eradication of poverty, equitable distribution of wealth and job creation, should remain the main orientation.

  5. The Future of Banking: From Scale & Scope Economies to Fintech

    OpenAIRE

    Boot, A.W.A.

    2017-01-01

    Information technology plays a leading role in the transformation of banking. The deepening of financial markets has profoundly affected the business of banking. The recent focus on fintech – basically, new technology-driven players entering the financial services industry – is the latest manifestation of the impact of information technology on the industry. This paper will focus on the structure of the banking industry going forward. We will try to draw lessons from the (older) literature on...

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

    Directory of Open Access Journals (Sweden)

    Zampara, K.

    2017-03-01

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

  7. Determinants of bank profitability: evidence from CreditCoop

    OpenAIRE

    Ioana-Raluca DIACONU; Dumitru-Cristian OANEA

    2014-01-01

    Co-operative banks were not analyzed in great detail in the literature compared to credit unions or even commercial banks. Through this paper we want to identify the main determinants of CreditCoop profitability, determinants: internal determinants (result of bank management) and external determinants (macroeconomic and industry variables). We found that the loan to assets ratio and equity to assets ratio have the highest and significant impact over the CreditCoop profitability. Moreover, we ...

  8. Causal relationship between CSR and FB in banks

    Directory of Open Access Journals (Sweden)

    Amal Abou Fayad

    2017-12-01

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

  9. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

    The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...

  10. Bank and sovereign debt risk

    OpenAIRE

    Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

    2013-01-01

    Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

  11. A systematic investigation into the extraction of aluminum from coal spoil through kaolinite.

    Science.gov (United States)

    Qiao, X C; Si, P; Yu, J G

    2008-11-15

    This research has applied kaolin and active carbon (AC) to the investigation of the recovery of aluminum from coal spoil (CS). The kaolin, AC-containing kaolin mixture, and CS have been calcined at 500, 600, 700, 800, and 900 degrees C for 15, 30, 60, and 120 min. The transformation of kaolinite and aluminum extraction that occurred in each calcined sample have been characterized using XRD, TG, IR, and hydrochloric acid leaching methods. The dehydroxylation of kaolinite and the decomposition of metakaolin were influenced by thermal treatment temperature and time. The metakaolin had kept a portion of OH- in its structure until it was calcined at a temperature of 800 degrees C. Under 60 min treatment, new SiO2 phase was able to be formed at 500 degrees C, kaolinite was totally converted to metakaolin at 600 degrees C, and the SiO2 rejoined the reaction at 800 degrees C. The decompositions of CS were similar to those of kaolin mixture containing 20 wt % AC (MKC). The combustion of combustible matter accelerated the decomposition of kaolinite in the CS and MKC. Higher AC content led to lower aluminum extraction. The treatment at 600 degrees C was optimal for both CS and MKC.

  12. Data-driven optimized flip angle selection for T1 estimation from spoiled gradient echo acquisitions.

    Science.gov (United States)

    Lewis, Christina M; Hurley, Samuel A; Meyerand, M Elizabeth; Koay, Cheng Guan

    2016-09-01

    Define criteria for selection of optimal flip angle sets for T1 estimation and evaluate effects on T1 mapping. Flip angle sets for spoiled gradient echo-based T1 mapping were selected by minimizing T1 estimate variance weighted by the joint density of M0 and T1 in an initial acquisition. The effect of optimized flip angle selection on T1 estimate error was measured using simulations and experimental data in the human and rat brain. For two-point acquisitions, optimized angle sets were similar to those proposed by other groups and, therefore, performed similarly. For multipoint acquisitions, optimal angle sets for T1 mapping in the brain consisted of a repetition of two angles. Implementation of optimal angles reduced T1 estimate variance by 30-40% compared with a multipoint acquisition using a range of angles. Performance of the optimal angle set was equivalent to that of a repetition of the two-angle set selected using criteria proposed by other researchers. Repetition of two carefully selected flip angles notably improves the precision of resulting T1 estimates compared with acquisitions using a range of flip angles. This work provides a flexible and widely applicable optimization method of particular use for those who repeatedly perform T1 estimation. Magn Reson Med 76:792-802, 2016. © 2015 Wiley Periodicals, Inc. © 2015 Wiley Periodicals, Inc.

  13. Response surface optimization of biosurfactant produced by Pseudomonas aeruginosa MA01 isolated from spoiled apples.

    Science.gov (United States)

    Abbasi, Habib; Sharafi, Hakimeh; Alidost, Leila; Bodagh, Atefe; Zahiri, Hossein Shahbani; Noghabi, Kambiz Akbari

    2013-01-01

    A potent biosurfactant-producing bacterial strain isolated from spoiled apples was identified by 16S rRNA as Pseudomonas aeruginosa MA01. Compositional analysis revealed that the extracted biosurfactant was composed of high percentages of lipid (66%, w/w) and carbohydrate (32%, w/w). The surface tension of pure water decreased gradually with increasing biosurfactant concentration to 32.5 mN m(-1) with critical micelle concentration (CMC) value of 10.1 mg L(-1). The Fourier transform infrared spectrum of extracted biosurfactant confirmed the glycolipid nature of this natural product. Response surface methodology (RSM) was employed to optimize the biosynthesis medium for the production of MA01 biosurfactant. Nineteen carbon sources and 11 nitrogen sources were examined, with soybean oil and sodium nitrate being the most effective carbon and nitrogen sources on biosurfactant production, respectively. Among the organic nitrogen sources examined, yeast extract was necessary as a complementary nitrogen source for high production yield. Biosurfactant production at the optimum value of fermentation processing factor (15.68 g/L) was 29.5% higher than the biosurfactant concentration obtained before the RSM optimization (12.1 g/L). A central composite design algorithm was used to optimize the levels of key medium components, and it was concluded that two stages of optimization using RSM could increase biosurfactant production by 1.46 times, as compared to the values obtained before optimization.

  14. Identifying yeast isolated from spoiled peach puree and assessment of its batch culture for invertase production

    Directory of Open Access Journals (Sweden)

    Marcela Vega FERREIRA

    Full Text Available Abstract The identification of yeasts isolated from spoiled Jubileu peach puree using the API 20C AUX method and a commercial yeast as witness were studied. Subsequently, the yeast’s growth potential using two batch culture treatments were performed to evaluate number of colonies (N, reducing sugar concentration (RS, free-invertase (FI, and culture-invertase activity (CI. Stock cultures were maintained on potato dextrose agar (PDA slants at 4 °C and pH 5 for later use for batch-culture (150 rpm at 30°C for 24 h, then they were stored at 4 °C for subsequent invertase extraction. The FI extract was obtained using NaHCO3 as autolysis agent, and CI activity was determined on the supernatant after batch-cultured centrifugation. The activity was followed by an increase in absorbance at 490 nm using the acid 3,5-DNS method with glucose standard. Of the four yeasts identified, Saccharomyces cerevisiae was chosen for legal reasons. It showed logarithmic growth up to 18 h of fermentation with positive correlation CI activity and inverse with RS. FI showed greater activity by the end of the log phase and an inverse correlation with CI activity. Finally, it was concluded that treatment “A” is more effective than “B” to produce invertase (EC 3.2.1.26.

  15. Lead Tolerance and Accumulation in Hirschfeldia incana, a Mediterranean Brassicaceae from Metalliferous Mine Spoils

    Science.gov (United States)

    Auguy, Florence; Fahr, Mouna; Moulin, Patricia; Brugel, Anaïs; Laplaze, Laurent; Mzibri, Mohamed El; Filali-Maltouf, Abdelkarim; Doumas, Patrick; Smouni, Abdelaziz

    2013-01-01

    Lead is a heavy metal of particular concern with respect to environmental quality and health. The lack of plant species that accumulate and tolerate Pb is a limiting factor to understand the molecular mechanisms involved in Pb tolerance. In this study we identified Hirschfeldia incana, a Brassicaceae collected from metalliferous mine spoils in Morocco, as a Pb accumulator plant. H. incana exhibited high Pb accumulation in mine soils and in hydroponic cultures. Major Pb accumulation occurred in the roots and a part of Pb translocated from the roots to the shoots, even to the siliques. These findings demonstrated that H. incana is a Pb accumulator species. The expression of several candidate genes after Pb-exposure was measured by quantitative PCR and two of them, HiHMA4 and HiMT2a, coding respectively for a P1B-type ATPase and a metallothionein, were particularly induced by Pb-exposure in both roots and leaves. The functional characterization of HiHMA4 and HiMT2a was achieved using Arabidopsis T-DNA insertional mutants. Pb content and primary root growth analysis confirmed the role of these two genes in Pb tolerance and accumulation. H. incana could be considered as a good experimental model to identify genes involved in lead tolerance and accumulation in plants. PMID:23667449

  16. Increasing the competitiveness of banks

    OpenAIRE

    Badaeva V.; Makukhina Y.

    2017-01-01

    The article examines about the essence of competitiveness of banks, the ways of improving it, competitive advantages and factors which influence the effectiveness and competitiveness of banking institutions.

  17. Global Banking: Transformation, Innovation & Competition

    Directory of Open Access Journals (Sweden)

    Korobov Yury

    2017-01-01

    Full Text Available The article discusses the main transformation processes in banking sector: globalization, concentration of capital, formation of a new model of banking and new banking culture. It is shown that the driving forces of these processes are competition and innovation. The interpretation of the bank of the future as a sum of four concepts is offered: “Bank = technology”, “Bank = client”, “Bank = product”, “Bank = life”. It is hypothesized that a person in the digital economy can be described as Homo financial (a person with financial literacy and financial thinking.

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

    OpenAIRE

    Michael R King

    2009-01-01

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

  19. Cell banking for regulatory T cell-based therapy: strategies to overcome the impact of cryopreservation on the Treg viability and phenotype.

    Science.gov (United States)

    Gołąb, Karolina; Grose, Randall; Placencia, Veronica; Wickrema, Amittha; Solomina, Julia; Tibudan, Martin; Konsur, Evelyn; Ciepły, Kamil; Marek-Trzonkowska, Natalia; Trzonkowski, Piotr; Millis, J Michael; Fung, John; Witkowski, Piotr

    2018-02-09

    The first clinical trials with adoptive Treg therapy have shown safety and potential efficacy. Feasibility of such therapy could be improved if cells are cryopreserved and stored until optimal timing for infusion. Herein, we report the evaluation of two cell-banking strategies for Treg therapy: 1) cryopreservation of CD4 + cells for subsequent Treg isolation/expansion and 2) cryopreservation of ex-vivo expanded Tregs (CD4 + CD25 hi CD127 lo/- cells). First, we checked how cryopreservation affects cell viability and Treg markers expression. Then, we performed Treg isolation/expansion with the final products release testing. We observed substantial decrease in cell number recovery after thawing and overnight culture. This observation might be explained by the high percentage of necrotic and apoptotic cells found just after thawing. Furthermore, we noticed fluctuations in percentage of CD4 + CD25 hi CD127 - and CD4 + FoxP3 + cells obtained from cryopreserved CD4 + as well as Treg cells. However, after re-stimulation Tregs expanded well, presented a stable phenotype and fulfilled the release criteria at the end of expansions. Cryopreservation of CD4 + cells for subsequent Treg isolation/expansion and cryopreservation of expanded Tregs with re-stimulation and expansion after thawing, are promising solutions to overcome detrimental effects of cryopreservation. Both of these cell-banking strategies for Treg therapy can be applied when designing new clinical trials.

  20. An Analysis of Fish Communities on Structured Habitat in the Northwestern Gulf of Mexico: Potential Impacts of "Rigs-to-Reefs" Programs and a Comparison with Natural Banks

    Science.gov (United States)

    Wetz, J. J.; Ajemian, M. J.; Streich, M.; Stunz, G. W.

    2016-02-01

    Artificial habitat in the northwestern Gulf of Mexico is predominantly comprised of both active and reefed oil and gas platforms. In the last few decades, Texas alone has converted over 140 decommissioned oil and gas platforms into permitted artificial reefs. Despite the predominance of this habitat type, the associated fish communities remain poorly studied and few comparisons with natural habitat have been done. Using remotely operated vehicles in 2012 and 2013, we documented fish assemblages surrounding 15 artificial structures and several natural banks located on the Texas shelf. Artificial sites were variable in depth (30-84 m), number of structures, and vertical relief. Both structure type and relief influenced species richness and community structure at these sites. However, bottom depth was most influential with a shift in community composition and high diversity observed at approximately 60 m depth. In this same region, drowned coralgal reefs (the South Texas Banks) provide natural hard substrate with relief up to 20 m. Comparisons between these natural habitats and artificial reefs with similar depths and relief clearly demonstrate fish community differences, perhaps indicating differences in habitat function. To attain species-specific management goals, reefing programs should carefully consider the ambient environmental conditions (i.e., depth) and proximity of natural habitats, as these will most certainly affect the fish assemblage and characteristics of exploited fisheries species.

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

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2013-01-01

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

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

    African Journals Online (AJOL)

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

  3. Bank Directors’ Perceptions of Expanded Auditor's Reports

    DEFF Research Database (Denmark)

    Boolaky, Pran Krishansing; Quick, Reiner

    2016-01-01

    Subsequent to the financial crisis, standard setters developed suggestions for enhancing the audit function, in order to increase financial stability. One related idea is to expand the audit report disclosed to the public, to ensure that it is fit for purpose. This study investigates the impact...... of expanded audit reports, namely information on the assurance level, materiality levels and key audit matters (KAM), on bank director perceptions of the quality of the financial statements, the audit and the audit report, as well as on their credit approval decisions. We conduct an experiment involving...... a sample of 105 bank directors and use ANCOVA to determine the predictors of bank director perceptions and decisions. Our findings suggest that disclosing the assurance level has a significantly positive impact. In contrast, we cannot demonstrate a material effect of expanding the audit report to include...

  4. Foreign Bank Entry and Credit Allocation in Emerging Markets

    NARCIS (Netherlands)

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

    2009-01-01

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

  5. Parent Influence on Loan Pricing by Czech Banks

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis; Raková, M.

    2012-01-01

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

  6. Institutions and Bank Performance; A Stochastic Frontier Analysis

    NARCIS (Netherlands)

    Lensink, B.W.; Meesters, A.

    2014-01-01

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

  7. Correlates of Success in World Bank Development Policy Lending

    OpenAIRE

    Moll, Peter; Geli, Patricia; Saavedra, Pablo

    2015-01-01

    This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

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

    African Journals Online (AJOL)

    This study investigated the impact of automated clearing system on the Nigerian banking system. Secondary data were mostly sourced through The Central Bank of Nigeria publications and analyzed using t test statistics, which tested the significant difference between pre, and post automated clearing system. The result ...

  9. Analyzing Systemic Risk in the Chinese Banking System

    NARCIS (Netherlands)

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

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

  10. Analysing systemic risk in the Chinese banking system

    NARCIS (Netherlands)

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

    2018-01-01

    We examine systemic risk in the Chinese banking system by estimating the conditional value at risk (CoVaR), the marginal expected shortfall (MES), the systemic impact index (SII) and the vulnerability index (VI) for 16 listed banks in China for the 2007-2014 period. We find that these measures show

  11. Capital Adequacy and the Performance of Ghanaian Banks | Barnor ...

    African Journals Online (AJOL)

    Rather to maintain stability, protection against depositors and confidence in the banking industry. The paper amongst others recommends that, other factors such as risk, size and macro-economic variables in addition to capital adequacy be monitored, since these vectors also impact more on performance of banks.

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

    NARCIS (Netherlands)

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

    2012-01-01

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

  13. Multinational banks and credit growth in transition economics

    NARCIS (Netherlands)

    Haas, Ralph Theodoor Anna de

    2006-01-01

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

  14. Implementation of Organ Culture storage of donor corneas: a 3 year study of its impact on the corneal transplant wait list at the Lions New South Wales Eye Bank.

    Science.gov (United States)

    Devasahayam, Raj; Georges, Pierre; Hodge, Christopher; Treloggen, Jane; Cooper, Simon; Petsoglou, Con; Sutton, Gerard; Zhu, Meidong

    2016-09-01

    Organ Culture corneal storage offers an extended storage time and increased donor pool and tissue assessment opportunities. In September 2011, the Lions New South Wales Eye Bank (LNSWEB) moved from hypothermic storage to Organ Culture corneal storage. This study evaluates the impact of implementation of Organ Culture on donor eye retrieval and the corneal transplant waiting list over a 3 year period in NSW, Australia. Retrospective review of the LNSWEB data from September 2011 to August 2014. Tissue collection, waiting list and tissue utilization data were recorded. The data from September 2008 to August 2011 for Optisol-GS storage was used for comparison. The annual donor and cornea collection rate increased 35 % and 44 % respectively with Organ Culture compared to Optisol-GS storage. The utilization rate of corneal tissue increased from 73.4 % with hypothermic storage to 77.2 % with Organ Culture storage. The transplant wait list decreased by 77.3 % from September 2011 to August 2014 and correlated with the increased rate of corneal transplantation (r = -0.9381, p Organ Culture medium was low at 1.74 %. The Organ Culture storage method increases the corneal donor pool available to Eye banks. The practical benefits of the extended storage time and increased donor assessment opportunities have directly led to an increase in corneal utilization rate and a significant decrease in recipient wait list time.

  15. MONETARY POLICY FORCE EFFECT BY MEANS OF BANKS MONEY CREATION

    Directory of Open Access Journals (Sweden)

    Victoria COCIUG

    2014-07-01

    Full Text Available In the context of modern economy, banks play an essential role for sustainable growth, by ensuring economy with financial resources and driving impulses of monetary policy to economy. Monetary authorities influence significantly the bank's ability to fulfill this role. Thus, to achieve macroeconomic objectives, there is promoted particular monetary policy and are implemented various practical regulations for banks. In this article, we want to identify the existing relationship between monetary policy followed by the authorities and the ability of banks to create money with its impact on various practical regulations.

  16. Protein Data Bank (PDB)

    Data.gov (United States)

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

  17. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

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

  18. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

    Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

  19. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

    New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service.

  20. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  1. The Impact of Fe-Ti Oxide Concentration on the Structural Rigidity of the Lower Oceanic Crust, Atlantis Bank, Southwest Indian Ridge

    Science.gov (United States)

    Deans, J. R.; Winkler, D. A.

    2017-12-01

    Fe-Ti oxides are important components of oceanic core complexes (OCC) formed at slow-spreading ridges, since Fe-Ti oxide phases form throughout the crustal column and are weaker than silicate phases. This study investigated the predicted relationship between the presence and concentration of Fe-Ti oxides and the presence/intensity of crystal-plastic deformation in samples from Atlantis Bank, Southwest Indian Ridge (SWIR). Atlantis Bank is an OCC that formed through the exhumation of lower oceanic crust along a detachment shear zone/fault. OCCs form along slow-spreading ridges and are characterized by the complex interactions between magmatism and crustal extension, thus, making them more susceptible to crystal-plastic deformation at higher temperatures and for weaker phases like Fe-Ti oxides to preferentially partition strain. Atlantis Bank has been the focus of many scientific expeditions to various sites including; Ocean Drilling Program (ODP) Holes 735B and 1105A, and the International Oceanic Discovery Program (IODP) Hole U1473A. A total of 589 thin sections from all three holes were analyzed using the software package Fiji to calculate the Fe-Ti oxide concentration within the thin sections. The Fe-Ti oxide percentage was correlated with the crystal-plastic fabric (CPF) intensity, from 0-5 (no foliation - ultramylonite), for each thin section using the statistical software R. All three holes show a positive correlation between the abundance of Fe-Ti oxides and the CPF intensity. Specifically, 76.3% of samples with a concentration of 5% or more Fe-Ti oxides have a corresponding CPF intensity value of 2 or more (porphyroclastic foliation - ultramylonitic). The positive correlation may be explained by the Fe-Ti oxides preferentially partitioning strain, especially at temperatures below where dry plagioclase can recrystallize. This allows for a mechanism of continued slip along the shear zone or form new shear zones at amphibolite grade conditions while the lower

  2. Banking in southern Europe

    OpenAIRE

    Lazarević Žarko

    2014-01-01

    The nations discussed here (Italy, Spain, Portugal and Greece) have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begi...

  3. Self-Service Banking: Value Creation Models and Information Exchange

    Directory of Open Access Journals (Sweden)

    Ragnvald Sannes

    2001-01-01

    Full Text Available This paper argues that most banks have failed to exploit the potential of self-service banking because they base their service design on an incomplete business model for self-service. A framework for evaluation of self-service banking concepts is developed on the basis of Stabell and Fjeldstad's three value configurations. The value network and the value shop are consistent with self-service banking while the value chain is inappropriate. The impact of the value configurations on information exchange and self-service functionality is discussed, and a framework for design of such services proposed. Current self-service banking practices are compared to the framework, and it is concluded that current practice matches the concept of a value network and not the value shop. However, current practices are only a partial implementation of a value network-based self-service banking concept.

  4. Macroeconomic Environment and Banking Sector Soundness in CEE Countries

    Directory of Open Access Journals (Sweden)

    Irina Bilan

    2016-01-01

    Full Text Available The aim of our paper is to empirically investigate the impact of the changes in macroeconomic environment on the financial soundness of the banking sector (as measured by bank Z-score in 11 Central and Eastern European countries, over the period 2000-2014. The results of our empirical study indicate that the financial soundness of the banking sector in our sample countries is heavily influenced by unemployment and inflation rates, foreign exchange rate, current account balance, public debt, and financial depth. Overall, our study underlines the crucial importance of ensuring a healthy and sound macroeconomic environment for the financial soundness of banks. Also, our research highlights that, out of all the macroeconomic factors analyzed, the dynamics of bank credit to the private sector is the main risk factor for the soundness of the banking sector in CEE countries, which calls for its rigorous monitoring.

  5. Investigating personal characteristics on e-banking adoption

    Directory of Open Access Journals (Sweden)

    Ali Arfaeian

    2013-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Olfa Nessibi

    2016-01-01

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

  7. BIGGEST CZECH BANKS IN THE MIRROR OF ANNUAL REPORTS

    Directory of Open Access Journals (Sweden)

    Vladislav PAVLAT

    2016-02-01

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

  8. THE ANALYSIS OF FINANCIAL CRISIS EFFECTS AT THE ROMANIAN BANK

    Directory of Open Access Journals (Sweden)

    Izabella KRÁJNIK

    2010-06-01

    Full Text Available The banking incomes and costs represent an important source of information regarding the profitability of a bank. The paper aims to analyse the current financial world crisis. After describing its causes and effects, the study focuses on the crisis’ impact on the global economy; Romania is the core of this analysis, as it is a country which feels very strongly the effects of the international financial turmoil. In a banking environment such as Romania's, constantly changing and subject to the pressure of a fierce competition, all the attention of the banks management teams is oriented towards the costs and their possible reduction in regard to maximizing the profit. In this context we considered as particularly important the analysis of the bank costs within the framework of the Romanian banking system, analysis which targets their structure on one side and their evolution and efficiency on the other side.

  9. Dynamic MR imaging of the temporomandibular joint arthrosis using spoiled GRASS sequence

    Energy Technology Data Exchange (ETDEWEB)

    Suenaga, Shigeaki; Hamamoto, Sadatoshi; Kawano, Kazunori (Kagoshima Univ. (Japan). Dental School) (and others)

    1994-07-01

    The purpose of this study was to quantitatively evaluate contrast enhancement effects of the posterior disk attachment in the temporomandibular joint arthrosis using dynamic MRI with bilateral surface coils. One hundred twenty-four temporomandibular joints in 96 symptomatic patients and 27 control subjects were examined with a spoiled GRASS pulse sequence (TR: 35 ms, TE: 8 ms, flip angle: 60deg). One sagittal scan was performed prior to injection, then 0.1 mmol/kg of Gd-DTPA was given as a rapid bolus injection, immediately after which scans were performed at 30 seconds intervals for a period of 5 minutes. Signal intensity (SI) was measured from the ROI of the posterior disk attachment region. The contrast enhancement effects may be calculated by SI ratio (SIR) = ( SI[sup post]-SI[sup pre])/SI[sup pre], where SI[sup post] and SI[sup pre] were the signal intensities after and before administration of contrast medium. The time intensity curve of SIR versus time after injection was obtained on each symptoms. Join pain group (85 joints) tended to show a rapid enhancement pattern, while control group (54 joints), joint sound or opening limitation group (39 joints), and asymptomatic group (68 joints) showed a relatively gradual enhancement pattern. The drop of SIR in four groups were hardly observed during examination. Mean peak SIR of control group, joint pain group, joint sound or opening limitation group, and asymptomatic group was 0.62[+-]0.24 (SD), 1.53[+-]0.69, 0.73[+-]0.38 and 0.78[+-]0.44 respectively. The mean SIR of pain group was significantly (P<0.001, t-test) higher than that of other groups. These results suggested that dynamic MRI of the temporomandibular joint may effectively depict the inflammatory changes of the posterior disk attachment. (author).

  10. Dynamic MR imaging of the temporomandibular joint arthrosis using spoiled GRASS sequence

    International Nuclear Information System (INIS)

    Suenaga, Shigeaki; Hamamoto, Sadatoshi; Kawano, Kazunori

    1994-01-01

    The purpose of this study was to quantitatively evaluate contrast enhancement effects of the posterior disk attachment in the temporomandibular joint arthrosis using dynamic MRI with bilateral surface coils. One hundred twenty-four temporomandibular joints in 96 symptomatic patients and 27 control subjects were examined with a spoiled GRASS pulse sequence (TR: 35 ms, TE: 8 ms, flip angle: 60deg). One sagittal scan was performed prior to injection, then 0.1 mmol/kg of Gd-DTPA was given as a rapid bolus injection, immediately after which scans were performed at 30 seconds intervals for a period of 5 minutes. Signal intensity (SI) was measured from the ROI of the posterior disk attachment region. The contrast enhancement effects may be calculated by SI ratio (SIR) = ( SI post -SI pre )/SI pre , where SI post and SI pre were the signal intensities after and before administration of contrast medium. The time intensity curve of SIR versus time after injection was obtained on each symptoms. Join pain group (85 joints) tended to show a rapid enhancement pattern, while control group (54 joints), joint sound or opening limitation group (39 joints), and asymptomatic group (68 joints) showed a relatively gradual enhancement pattern. The drop of SIR in four groups were hardly observed during examination. Mean peak SIR of control group, joint pain group, joint sound or opening limitation group, and asymptomatic group was 0.62±0.24 (SD), 1.53±0.69, 0.73±0.38 and 0.78±0.44 respectively. The mean SIR of pain group was significantly (P<0.001, t-test) higher than that of other groups. These results suggested that dynamic MRI of the temporomandibular joint may effectively depict the inflammatory changes of the posterior disk attachment. (author)

  11. Acetobacter aceti fast identification by Real Time PCR in spoiled wine samples

    Directory of Open Access Journals (Sweden)

    Attila Kántor

    2014-10-01

    Full Text Available Wine is a beverage that made from grape berries. However, without beneficial bacteria, we would not produce good wine. But very often wines contain acetic acid bacteria, which are undesirable in winemaking process. Acetic acid bacteria as known as a vinegar bacteria are Gram-negative, aerobic, rod-shaped and ubiquitous bacteria. This study was focused on species of acetic acid bacteria, specifically Acetobacter aceti that make spoilage in wine.The aim of our study was the identification of Acetobacter aceti in spoiled red wine samples, with plate dilution method on agar plates and using sensitive Real-time PCR (qPCR method. We cultivated Acetobacter aceti on GYC agar at 30°C, 48h. The one of main objective in the present work was the test fast, sensitive and reliable technique such as quantitative Real-time PCR and detecting the presence of Acetobacter aceti in wine samples with positive Acetobacteraceti control on amplification plot and melting curve. The next objective before  qPCR analysis was DNA extraction from wine samples incubated for one week at 28°C aerobically. We used five different red wine samples for this experiment: Alibernet 2013, Blaufränkisch 2013, Cabernet Sauvignon 2013, Dunaj 2012 and Saint-Laurent 2012. Next we extracted DNA from wine samples and from pure Acetobacter aceti CCM 3620T strain purchased from Czech collection of microorganisms in Brno. Susceptibility ofAcetobacter aceti was varied in different isolates from 102 to 107 CFU.mL-1. The number of Acetobacter cells on GYC medium ranged from 4.05 to 4.83log CFU.mL-1 in differentwine samples.The higher number of Acetobacter cells (4.83 log CFU.mL-1 was found in Cabernet Sauvignon 2013 wine.

  12. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  13. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2000-07-01

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

  15. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

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

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

    International Nuclear Information System (INIS)

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

    2001-01-01

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

  17. Measuring excessive risk-taking in banking

    Czech Academy of Sciences Publication Activity Database

    Podpiera, Jiří; Weill, L.

    2010-01-01

    Roč. 60, č. 4 (2010), s. 294-306 ISSN 0015-1920 Institutional research plan: CEZ:AV0Z70850503 Keywords : banking sector * risk-taking * portfolio Subject RIV: AH - Economics Impact factor: 0.278, year: 2010 http://journal.fsv.cuni.cz/storage/1189_str_294_306_-_weill-podpiera.pdf

  18. World Bank policy research : a historical overview

    OpenAIRE

    Dethier, Jean-Jacques

    2009-01-01

    The World Bank is a leading intellectual institution on development. It is a world leader in analytical studies in areas including poverty measurement, delivery of social services, impact evaluation, measurement of development outcomes, international trade and migration. It is also a leader in development data, including the Living Standard Measurement Surveys; the enterprise surveys, and...

  19. Essays on banking and financial innovation

    NARCIS (Netherlands)

    Gong, Di

    2015-01-01

    This dissertation consists of three chapters. Chapters 2 and 3 examine the ex-ante motivation and the ex-post impact of securitization. Departing from the traditional literature of bank-specific drivers for securitization, I investigate the tax incentive for securitization in a cross country

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

    Directory of Open Access Journals (Sweden)

    Fadzlan Sufian

    2007-01-01

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