WorldWideScience

Sample records for sponsoring bank section

  1. 12 CFR 347.214 - Branch established under section 5 of the International Banking Act.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Branch established under section 5 of the International Banking Act. 347.214 Section 347.214 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY INTERNATIONAL BANKING Foreign Banks § 347.214 Branch established...

  2. A Qualitative Study of the Relationship between a Banking IT Troubled Project and the Executive Project Sponsor's Project Management Maturity Level

    Science.gov (United States)

    Northcraft, Terry G.

    2017-01-01

    This qualitative study examined the effect the level of project management maturity a banking IT project sponsor has on project success. Project management maturity is gauged by the amount of modern project management training, knowledge and organizational skills an individual or organization has and applies to their project lifecycle experiences.…

  3. 12 CFR 250.408 - Short-term negotiable notes of banks not securities under section 32, Banking Act of 1933.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Short-term negotiable notes of banks not securities under section 32, Banking Act of 1933. 250.408 Section 250.408 Banks and Banking FEDERAL RESERVE... securities under section 32, Banking Act of 1933. (a) The Board of Governors has been asked whether short...

  4. 12 CFR 250.220 - Whether member bank acting as trustee is prohibited by section 20 of the Banking Act of 1933 from...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Whether member bank acting as trustee is prohibited by section 20 of the Banking Act of 1933 from acquiring majority of shares of mutual fund. 250.220 Section 250.220 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL...

  5. Bodies with noncircular cross sections and bank-to-turn missiles

    Science.gov (United States)

    Jackson, C. M., Jr.; Sawyer, W. C.

    1992-01-01

    A development status evaluation is presented for the aerodynamics of missile configurations with noncircular cross-sections and bank-to-turn maneuvering systems, giving attention to cases with elliptical and square cross-sections, as well as bodies with variable cross-sections. The assessment of bank-to-turn missile performance notes inherent stability/control problems. A summary and index are provided for aerodynamic data on monoplanar configurations, including those which incorporate airbreathing propulsion systems.

  6. 12 CFR 225.113 - Services under section 4(a) of Bank Holding Company Act.

    Science.gov (United States)

    2010-01-01

    ... banks: (1) Establishment and supervision of loaning policies; (2) direction of the purchase and sale of... of section 4(a)(2), is essentially the exercise of a broad governing influence of the sort usually...

  7. Drug utilization study from a government sponsored pharmacy in a tertiary care teaching hospital of rural West Bengal: A cross-sectional study

    OpenAIRE

    Tanmoy Gangopadhyay; Ananya Mandal; Sonai Mandal; Bishan Basu; Tamoghna Maiti; Abhijit Das; Soumitra Mandal; Sekhar Mandal

    2016-01-01

    Context: Newly started government sponsored pharmacies providing discounts have been available to the public at the medical college hospitals in West Bengal. Aims: The present study was undertaken to evaluate the drug prescribing trends from the prescriptions at such a pharmacy at a tertiary care hospital. Methods: The study was a prospective cross-sectional study that spanned for a period of 1-month from 1 to 31 August 2015. Prescriptions were reviewed and analyzed using the World Health Org...

  8. 12 CFR 1500.7 - How do the statutory cross marketing and sections 23A and B limitations apply to merchant banking...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false How do the statutory cross marketing and sections 23A and B limitations apply to merchant banking investments? 1500.7 Section 1500.7 Banks and... statutory cross marketing and sections 23A and B limitations apply to merchant banking investments? Certain...

  9. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

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

  10. 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...

  11. 45 CFR 1226.12 - Sponsor employees.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Sponsor employees. 1226.12 Section 1226.12 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE PROHIBITIONS ON ELECTORAL AND LOBBYING ACTIVITIES Sponsor Employee Activities § 1226.12 Sponsor employees...

  12. Psychosocial Work Conditions and Burnout Among Brazilian Bank Employees: A Cross-Sectional Study.

    Science.gov (United States)

    Valente, Maria do Socorro da Silva; Lopes, Cláudia S; Pastor-Valero, Maria; Menezes, Paulo Rossi

    2016-06-01

    Changes in the modern economy have affected the financial sector. Time pressures, excessive work demands, and job stress are frequent concerns among bank employees, which might predispose them to burnout symptoms. The objective of the present study was to investigate the association between burnout symptoms and exposure to psychosocial work conditions in bank employees. A cross-sectional study of 1046 bank employees was carried out in Pará and Amapá, northern Brazil. We applied a self-administered questionnaire evaluating socio-demographic characteristics, burnout (Maslach Burnout Inventory), and two job stress models (Demand-Control-Support and Effort-Reward Imbalance). Two levels of burnout symptoms were analysed: moderate level of burnout (MLB) and high level of burnout (HLB). Logistic regression models were used to estimate associations between the two levels of burnout and the two stress models, controlling for relevant covariates. The overall prevalence of burnout was 71.8% (31.1% for HLB; 40.7% for MLB), regardless of gender. Exposure to adverse psychosocial conditions in the workplace, such as high strain, low social support at work, high effort/low reward, and over commitment showed strong association with HLB and MLB, and these associations were independent of age, gender, and other occupational characteristics. We found that psychosocial conditions in the financial sector involving high strain, low social support at work, high effort/low reward, and over commitment represent possible risk factors for moderate and HLB symptoms in bank employees. © The Author 2016. Published by Oxford University Press on behalf of the British Occupational Hygiene Society.

  13. Insulin resistance and associated factors: a cross-sectional study of bank employees.

    Science.gov (United States)

    Salaroli, Luciane Bresciani; Cattafesta, Monica; Molina, Maria Del Carmen Bisi; Zandonade, Eliana; Bissoli, Nazaré Souza

    2017-04-01

    Insulin resistance is characterized by the failure of target cells to respond to normal levels of circulating insulin, and this condition is related to cardiovascular disease. This study sought to evaluate the prevalence of insulin resistance and its association with markers of metabolic abnormalities and metabolic syndrome in bank employees. A cross-sectional study was performed on 498 working men and women aged ≥20 years old. The Homeostasis Model Assessment (HOMA-IR) was used to determine the presence of insulin resistance based on cut-off values of ≤2.71 for normal insulin levels and >2.71 for insulin resistance, as established for the adult Brazilian population. It was observed that the 52 (10.4%) overweight individuals with insulin resistance were 4.97 times (95%CI 1.31-18.83) more likely to have high HOMA-IR values than the normal-weight participants; among those who were obese, the likelihood increased to 17.87 (95%CI 4.36-73.21). Individuals with large waist circumferences were 3.27 times (95%CI 1.03-10.38) more likely to develop insulin resistance than those who were within normal parameters. The HOMA-IR values differed between subjects with and without metabolic syndrome, with values of 2.83±2.5 and 1.10±0.81 (p=0.001), respectively. The levels of insulin, ultrasensitive C-reactive protein and uric acid were also associated with insulin resistance. The prevalence of insulin resistance among bank employees is high, and insulin resistance is associated with and serves as a marker of metabolic syndrome. Cardiovascular disease and metabolic syndrome-associated metabolic abnormalities were observed, and insulin resistance may be a risk factor in this group of professionals.

  14. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    OpenAIRE

    Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.

    2014-01-01

    Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands. Participants: 251 Dutch food bank recipients participated in the study (93 men and 158 women). Inclusion criteria for participation were: (1) at least 18 years of age, (2) sufficiently fluent in Du...

  15. Physicians' knowledge and practice on death certification in the North West Bank, Palestine: across sectional study.

    Science.gov (United States)

    Qaddumi, Jamal A S; Nazzal, Zaher; Yacoub, Allam; Mansour, Mahmoud

    2018-01-08

    Mortality data are essential for many aspects of everyday public health practices at both national and international levels. Despite the current developments in various aspects of the medical field, the apparent inability of physicians to complete death notification forms (DNF) accurately is still worldwide concern. The aim of this study is to assess the physicians' knowledge and practice on completing the DNF. A self-administered questionnaire was distributed to 200 physicians in governmental and non-governmental hospitals in the North West-Bank in Palestine. Furthermore, a case scenario was included in the questionnaire and physicians were asked to fill the cause of death section. The percentage of errors committed while completing the cause of death section were computed. A Chi square test was used to assess the association between physicians' characteristics and their responses. Only 40.6% of the participants completed the cause of death section correctly. The immediate and underlying causes of death were correctly identified by 48.7% and 71.3% of physicians, respectively. Almost one-fifth (17.3%) of physicians wrote the mechanism of death without reporting the underlying cause of death and 14.7% of them reported the sequence of events leading to death incorrectly. Physicians' knowledge and practice on completing the DNF is poor and insufficient, which may seriously affect the accuracy of mortality data. Complicated cases, problems in the current design of the DNFs and lack of training were the most common factors contributing to inaccuracy in death certification. We recommend offering periodical training workshops on completing the DNF to all physicians, and developing a manual on completing the DNFs with clear instructions and guidelines.

  16. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    NARCIS (Netherlands)

    Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.

    2014-01-01

    Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands.

  17. The Sponsored Film.

    Science.gov (United States)

    Klein, Walter J.

    For public relations professionals and would-be sponsors of films, this book provides guidelines for understanding the film medium and its potential as a persuasive force in industry, government, organizations, and religious orders. For filmmakers, it brings together practical information needed to survive in the sponsored-film industry and to…

  18. Substance use by university students in the West Bank: a cross-sectional study.

    Science.gov (United States)

    Damiri, Basma R; Sandouka, Hisham N; Janini, Eiad H; Yaish, Omar N

    2018-02-21

    Substance use has been an increasing problem in the occupied Palestinian territory for decades. The aim of this study was to describe the practice, knowledge, and attitudes associated with substance use by university students in the occupied Palestinian territory. This cross-sectional study was done in 2015. Male and female students from four main public universities in the West Bank were recruited to fill out a self-administered questionnaire. The Institutional Review Board approved the study, and written informed consent was obtained from all participants. 1383 (82%) of 1700 students completed the questionnaire (766 [55%] women and 617 [45%] men). The most frequent substance practices were smoking tobacco (576 [42%] students), drinking alcohol (75 [5%]), and illicit drugs (42 [3%]). 745 (54%) respondents had tried smoking, 122 (9%) had tried drinking alcohol, and 58 (4%) had tried taking illicit drugs. 24 (4%) respondents who had not yet tried a substance intended to smoke tobacco, 19 (2%) intended to drink alcohol, and nine (1%) intended to try illicit drugs use. Escaping from problems was the most frequent motivation for illicit drugs (870 [63%] respondents) and alcohol (501 [37%] respondents). Most of the illicit drugs users (71%) had tried more than one illicit drug, and hashish was the most common type of illicit drug to be used (4%). 36 (57%) respondents had used illicit drugs in the company of a friend. Most participants agreed that smoking tobacco (1209 [87%] respondents), alcohol (1253 [91%]), and illicit drugs use (1286 [93%]) is harmful, and most participants agreed that tobacco (752 [54%]), alcohol (1131 [82%]), and illicit drugs (1252 [91%]) should be banned. 1142 (83%) respondents agreed that tobacco is easily accessible in their communities, whereas 835 (60%) and 628 (45%) respondents agreed that alcohol and illicit drugs were easily accessible, respectively. Only 502 (36%) respondents were aware of the existence of drug weaning centres in their

  19. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    Science.gov (United States)

    Neter, Judith E; Dijkstra, S Coosje; Visser, Marjolein; Brouwer, Ingeborg A

    2014-05-16

    To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. 11 of 135 Dutch food banks were selected throughout the Netherlands. 251 Dutch food bank recipients participated in the study (93 men and 158 women). Inclusion criteria for participation were: (1) at least 18 years of age, (2) sufficiently fluent in Dutch to participate in oral and written interviews, (3) recipient of a Dutch food bank for at least 1 month and (4) collect own food parcel at the food bank. A single member per household was included. Level of food security. The prevalence of food insecurity was 72.9% (N=183), of which 40.4% (N=74) reported very low food security. Of the very low food secure participants, 56.8% (N=42) reported they were ever hungry but did not eat because they could not afford enough food in the previous 3 months. Adjusted multinomial logistic regression analyses showed that households without children were less likely to experience low food security (OR 0.39 (95% CI 0.18 to 0.88)) and men (OR 0.24 (95% CI 0.11 to 0.51)) were less likely to experience very low food security, while low-educated recipients (OR 5.05 (95% CI 1.37 to 18.61)) were more likely to experience very low food security. Furthermore, recipients with high satisfaction with overall food intake (OR 0.46 (95% CI 0.27 to 0.78)), high perceived healthiness of overall food intake (OR 0.34 (95% CI 0.19 to 0.62)) or high self-efficacy of eating healthy (OR 0.62 (95% CI 0.40 to 0.96)) were less likely to experience very low food security. Our study showed high prevalence rates of food insecurity among Dutch food bank recipients, and identified subgroups at increased risk of food insecurity. More research is urgently needed on the underlying determinants of food insecurity and the effectiveness of food assistance by food banks. Published by the BMJ Publishing

  20. 14 CFR 151.121 - Procedures: Offer; sponsor assurances.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Procedures: Offer; sponsor assurances. 151.121 Section 151.121 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF... Engineering Proposals § 151.121 Procedures: Offer; sponsor assurances. Each sponsor must adopt the following...

  1. 45 CFR 233.51 - Eligibility of sponsored aliens.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 2 2010-10-01 2010-10-01 false Eligibility of sponsored aliens. 233.51 Section... CONDITIONS OF ELIGIBILITY IN FINANCIAL ASSISTANCE PROGRAMS § 233.51 Eligibility of sponsored aliens... affidavit(s) of support or similar agreement on behalf of an alien (who is not the child of the sponsor or...

  2. An explorative cross-sectional study examining self-reported health and nutritional status of disadvantaged people using food banks in Germany.

    Science.gov (United States)

    Depa, Julia; Hilzendegen, Carolin; Tinnemann, Peter; Stroebele-Benschop, Nanette

    2015-11-24

    Even in high-income countries some population groups depend on food banks to support their food intake. We aimed to explore and compare health and nutritional status of food bank clients (Tafel e.V.) in different cities in Germany. In a cross-sectional study, self-reported health and nutritional status of food bank clients living in three cities (Berlin - capital, Ludwigsburg- affluent city, Fulda - small town) which differ in size, available income and poverty rate, were assessed and compared to survey variables of the low socioeconomic status population of national surveys (DEGS and GEDA). Across cities, food bank clients (N = 276, response rate of 21.5 %) did not differ in main socio-demographic characteristics (age, nationality, education, professional qualification, household income). Smoking, having at least one chronic illness, estimating their own health status as moderate to poor and low consumption of fruits and vegetables were common characteristics. Comparing selected variables with the low socioeconomic status population of DEGS and GEDA, differences were found for a higher prevalence of diabetes among food bank clients and a worse self-reported health status. Considerably lower fruit consumption and lower hypertension prevalence among female and lower overweight rates among male food bank clients were found. Although people using food banks vary in socio-demographic background, no differences for main demographics across the cities were found. In addition, the study suggests that for some health- and nutrition-related variables, national surveys in Germany might underestimate socioeconomic differences.

  3. 22 CFR 62.3 - Sponsor eligibility.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Sponsor eligibility. 62.3 Section 62.3 Foreign Relations DEPARTMENT OF STATE PUBLIC DIPLOMACY AND EXCHANGES EXCHANGE VISITOR PROGRAM General Provisions... visitor program are: (1) United States local, state and federal government agencies; (2) International...

  4. Sponsored Research & the Freedom of Publication.

    Science.gov (United States)

    Packham, David

    This paper examines conflicts and collaboration between industry and universities regarding sponsored research and freedom of publication, particularly in the United Kingdom. An opening section notes that the values of the market and the university are in fundamental conflict which presents problems for institutions attempting to work in…

  5. Committees and sponsors

    Science.gov (United States)

    2011-10-01

    International Advisory Committee Richard F CastenYale, USA Luiz Carlos ChamonSão Paulo, Brazil Osvaldo CivitareseLa Plata, Argentina Jozsef CsehATOMKI, Hungary Jerry P DraayerLSU, USA Alfredo Galindo-UribarriORNL & UT, USA James J KolataNotre Dame, USA Jorge López UTEP, USA Joseph B NatowitzTexas A & M, USA Ma Esther Ortiz IF-UNAM Stuart PittelDelaware, USA Andrés SandovalIF-UNAM Adam SzczepaniakIndiana, USA Piet Van IsackerGANIL, France Michael WiescherNotre Dame, USA Organizing Committee Libertad Barrón-Palos (Chair)IF-UNAM Roelof BijkerICN-UNAM Ruben FossionICN-UNAM David LizcanoININ Sponsors Instituto de Ciencias Nucleares, UNAMInstituto de Física, UNAMInstituto Nacional de Investigaciones NuclearesDivisión de Física Nuclear de la SMFCentro Latinoamericano de Física

  6. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  7. Email English with new social media section and phrase bank of useful expressions

    CERN Document Server

    Emmerson, Paul

    2013-01-01

    Email English will help students of English to write effective and convincing communications, whether for work or study, whether by email or via social media. Based on hundreds of real examples, Email English deals systematically with key language for constructing effective and convincing emails in English as well as developing an appropriate voice through social media. Basics, including opening and closing emails, giving information, making requests, arranging meetings and checking understanding. Specific situations, such as negotiating, asking for payment and dealing with a supplier or customer. Skills such as describing business trends, relating cause and effect and reporting. General grammar problems, for instance, sentence structure, verb forms, comparison and punctuation. Communication styles: formal and informal, direct and indirect, ways of seeming friendlier. A NEW social media section presents strategies, tips and key language and expressions for writing blogs and on social media platforms such as F...

  8. Jointly Sponsored Research Program

    Energy Technology Data Exchange (ETDEWEB)

    Everett A. Sondreal; John G. Hendrikson; Thomas A. Erickson

    2009-03-31

    U.S. Department of Energy (DOE) Cooperative Agreement DE-FC26-98FT40321 funded through the Office of Fossil Energy and administered at the National Energy Technology Laboratory (NETL) supported the performance of a Jointly Sponsored Research Program (JSRP) at the Energy & Environmental Research Center (EERC) with a minimum 50% nonfederal cost share to assist industry in commercializing and effectively applying highly efficient, nonpolluting energy systems that meet the nation's requirements for clean fuels, chemicals, and electricity in the 21st century. The EERC in partnership with its nonfederal partners jointly performed 131 JSRP projects for which the total DOE cost share was $22,716,634 (38%) and the nonfederal share was $36,776,573 (62%). Summaries of these projects are presented in this report for six program areas: (1) resource characterization and waste management, (2) air quality assessment and control, (3) advanced power systems, (4) advanced fuel forms, (5) value-added coproducts, and (6) advanced materials. The work performed under this agreement addressed DOE goals for reductions in CO{sub 2} emissions through efficiency, capture, and sequestration; near-zero emissions from highly efficient coal-fired power plants; environmental control capabilities for SO{sub 2}, NO{sub x}, fine respirable particulate (PM{sub 2.5}), and mercury; alternative transportation fuels including liquid synfuels and hydrogen; and synergistic integration of fossil and renewable resources.

  9. 45 CFR 1226.13 - Obligations of sponsors.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Obligations of sponsors. 1226.13 Section 1226.13 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE PROHIBITIONS ON ELECTORAL AND LOBBYING ACTIVITIES Sponsor Employee Activities § 1226.13...

  10. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2009-01-01

    We analyze the optimal pricing of government-sponsored bank debt guarantees within the context of an asset substitution framework. We show that the desirability of fair pricing of guarantees depends on the degree of transparency of the banking sector: in relatively opaque banking systems, fair

  11. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  12. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

    ... RESOLUTION FUNDING CORPORATION § 996.2 Bank employees. Upon the request of the Directorate of the Resolution..., employees, or agents of the Banks are authorized to act for and on behalf of the Resolution Funding... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank employees. 996.2 Section 996.2 Banks and...

  13. 12 CFR 225.104 - “Services” under section 4(c)(1) of Bank Holding Company Act.

    Science.gov (United States)

    2010-01-01

    ... of advertising, public relations, developing new business, organizations, operations, preparing tax... on the later bill (“advertising, public relations, developing new business, organization, operations... used in a broad and general sense, the legislative history of the Bank Holding Company Act indicates...

  14. 12 CFR 225.109 - “Services” under section 4(c)(1) of Bank Holding Company Act.

    Science.gov (United States)

    2010-01-01

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

  15. Employer-sponsored pension plans

    Directory of Open Access Journals (Sweden)

    Rakonjac-Antić Tatjana N.

    2004-01-01

    Full Text Available Apart from pension plans within social insurance, in developed pension systems there are also available to individuals schemes which may to a large extent ensure a significant part of their total pension. Among them are the following: employer-sponsored pension plans or individual pension plans. The most widely used employer-sponsored pension plan in the USA is 401(k, in which both the employer and the employee contribute to the financing of the pension. These contributions as well as the return to their investment have a preferential tax treatment, i.e. do not enter a tax base. The funds are taxed only when drawn from the account in the form of a pension. This paper aims to present the functioning of 401(k pension plan as the most widely used employer sponsored pension plan in the USA, which is likely, in a modified form, to have an important place within our future reformed pension insurance system.

  16. 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.

  17. 12 CFR 34.84 - Future bank expansion.

    Science.gov (United States)

    2010-01-01

    ..., the bank shall state, by resolution of the board of directors or an appropriately authorized bank... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND...

  18. 12 CFR 337.11 - Effect on other banking practices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Effect on other banking practices. 337.11 Section 337.11 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY UNSAFE AND UNSOUND BANKING PRACTICES § 337.11 Effect on other banking practices. Nothing in...

  19. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  20. 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.

  1. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

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

  2. Occupational stress and health-related quality of life among public sector bank employees: A cross-sectional study in Mysore, Karnataka, India.

    Science.gov (United States)

    Malamardi, Sowmya N; Kamath, Ramachandra; Tiwari, Rajnarayan; Nair, Binu Valsalakumari Sreekumaran; Chandrasekaran, Varalakshmi; Phadnis, Sameer

    2015-01-01

    Occupational morbidities have been estimated to cause an economic loss up to 10-20% of the gross national product of a country. It is an important cause of occupational morbidity and decreased quality of life (QOL) for the workers. The aim of the present study is to assess the level of occupational stress and its association with the QOL among the public sector bank employees. The present study was conducted among employees of public sector banks in Mysore district, Karnataka, India. A cross-sectional study design was used for the study. Job stress was measured by using occupational stress index (OSI) scale questionnaire and health-related QOL was measured using the short form 12 (SF-12) questionnaire. The sample size estimated for the study was 526 and cluster random sampling technique was used. Chi-square test was used to find the association between the study variables and level of stress. Multiple linear regression model was used to find the determinants of health-related QOL among the study subjects. The total number of the study subjects was 546 out of which 57% were males and 43% were females. The proportion of study subjects reporting to be current smokers was 4.2% and almost all study subjects reported occasional alcohol consumption. The mean physical component summary (PCS) score and mental component summary (MCS) using the original United States standardization were 47.90 and 48.30, respectively. The individuals with mild stress scored higher in both PCS and MCS than the individuals who had moderate to severe stress levels. There was significant association of health related quality of life with the age of the respondent,presence of at least one morbidity and level of stress with health-related QOL. This study has shown an association of occupational stress with the QOL. There is a need for interventions aimed at mitigating the occupational stress among employees of the banking sector.

  3. Predictors and Extent of Institutional Trust in Government, Banks, the Media and Religious Organisations: Evidence from Cross-Sectional Surveys in Six Asia-Pacific Countries.

    Directory of Open Access Journals (Sweden)

    Paul R Ward

    Full Text Available Building or maintaining institutional trust is of central importance in democratic societies since negative experiences (potentially leading to mistrust with government or other institutions may have a much more profound effect than positive experiences (potentially maintaining trust. Healthy democracy relies on more than simply trusting the national government of the time, and is mediated through other symbols of institutional power, such as the legal system, banks, the media and religious organisations. This paper focuses on institutional trust-the level and predictors of trust in some of the major institutions in society, namely politics, the media, banks, the legal system and religious organisations. We present analyses from a consolidated dataset containing data from six countries in the Asia Pacific region-Australia, Hong Kong, Japan, South Korea, Taiwan and Thailand.Cross-sectional surveys were undertaken in each country in 2009-10, with an overall sample of 6331. Analyses of differences in overall levels of institutional trust between countries were undertaken using Chi square analyses. Multivariate binomial logistic regression analysis was undertaken to identify socio-demographic predictors of trust in each country.Religious institutions, banks and the judicial system had the highest overall trust across all countries (70%, 70% and 67% respectively, followed by newspapers and TV (59% and 58% and then political leaders (43%. The range of levels of higher trust between countries differed from 43% for banks (range 49% in Australia to 92% in Thailand to 59% for newspapers (28% in Australia to 87% in Japan. Across all countries, except for Australia, trust in political leaders had the lowest scores, particularly in Japan and South Korea (25% in both countries. In Thailand, people expressed the most trust in religious organisations (94%, banks (92% and in their judicial/legal system (89%. In Hong Kong, people expressed the highest level of

  4. Predictors and Extent of Institutional Trust in Government, Banks, the Media and Religious Organisations: Evidence from Cross-Sectional Surveys in Six Asia-Pacific Countries.

    Science.gov (United States)

    Ward, Paul R; Miller, Emma; Pearce, Alex R; Meyer, Samantha B

    2016-01-01

    Building or maintaining institutional trust is of central importance in democratic societies since negative experiences (potentially leading to mistrust) with government or other institutions may have a much more profound effect than positive experiences (potentially maintaining trust). Healthy democracy relies on more than simply trusting the national government of the time, and is mediated through other symbols of institutional power, such as the legal system, banks, the media and religious organisations. This paper focuses on institutional trust-the level and predictors of trust in some of the major institutions in society, namely politics, the media, banks, the legal system and religious organisations. We present analyses from a consolidated dataset containing data from six countries in the Asia Pacific region-Australia, Hong Kong, Japan, South Korea, Taiwan and Thailand. Cross-sectional surveys were undertaken in each country in 2009-10, with an overall sample of 6331. Analyses of differences in overall levels of institutional trust between countries were undertaken using Chi square analyses. Multivariate binomial logistic regression analysis was undertaken to identify socio-demographic predictors of trust in each country. Religious institutions, banks and the judicial system had the highest overall trust across all countries (70%, 70% and 67% respectively), followed by newspapers and TV (59% and 58%) and then political leaders (43%). The range of levels of higher trust between countries differed from 43% for banks (range 49% in Australia to 92% in Thailand) to 59% for newspapers (28% in Australia to 87% in Japan). Across all countries, except for Australia, trust in political leaders had the lowest scores, particularly in Japan and South Korea (25% in both countries). In Thailand, people expressed the most trust in religious organisations (94%), banks (92%) and in their judicial/legal system (89%). In Hong Kong, people expressed the highest level of trust in

  5. Factors associated with lack of postnatal care among Palestinian women: A cross-sectional study of three clinics in the West Bank

    Directory of Open Access Journals (Sweden)

    Maxwell Annette E

    2008-07-01

    Full Text Available Abstract Background Only about one-third of women in Palestine (West Bank and Gaza obtain postpartum care. Therefore, the goal of this study was to assess factors associated with lack of postnatal care, women's reasons for not obtaining postnatal care, and their attitudes towards its importance. Methods In early 2006, a cross-sectional survey was conducted at three clinics run by the Ministry of Health providing Mother and Child Health Care in West Bank, Palestine. A total of 264 postpartum women attending the clinics were interviewed face-to-face, using a structured questionnaire. Results Although the majority of women considered postnatal care necessary (66.1%, only 36.6% of women obtained postnatal care. The most frequent reason for not obtaining postnatal care was that women did not feel sick and therefore did not need postnatal care (85%, followed by not having been told by their doctor to come back for postnatal care (15.5%. Based on a multivariable analysis, use of postnatal care was higher among women who had experienced problems during their delivery, had a cesarean section, or had an instrumental vaginal delivery than among women who had a spontaneous vaginal delivery. Use of postnatal care was also higher among women who delivered in a private hospital as compared to those who delivered in a public hospital. In addition, we found regional differences. Conclusion The higher use of postnatal care among high-risk women is appropriate, but some clinically dangerous conditions can also occur in low-risk women. Future efforts should therefore focus on providing postnatal care to a larger number of low-risk women.

  6. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  7. 22 CFR 42.31 - Family-sponsored immigrants.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Family-sponsored immigrants. 42.31 Section 42.31 Foreign Relations DEPARTMENT OF STATE VISAS VISAS: DOCUMENTATION OF IMMIGRANTS UNDER THE IMMIGRATION AND NATIONALITY ACT, AS AMENDED Immigrants Subject to Numerical Limitations § 42.31 Family...

  8. 12 CFR 225.137 - Acquisitions of shares pursuant to section 4(c)(6) of the Bank Holding Company Act.

    Science.gov (United States)

    2010-01-01

    ... would be maintained for each stockholder consisting of the original capital contribution increased or... group of holding companies, through concerted action, to engage in an activity as entrepreneurs. Section... that of an entrepreneur rather than that of an investor. (g) Accordingly, on the basis of the factual...

  9. 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

  10. 12 CFR 926.2 - Bank authority to make advances to housing associates.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank authority to make advances to housing associates. 926.2 Section 926.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MEMBERS AND HOUSING ASSOCIATES FEDERAL HOME LOAN BANK HOUSING ASSOCIATES § 926.2 Bank authority to make...

  11. 12 CFR 7.1004 - Loans originating at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Loans originating at other than banking offices. 7.1004 Section 7.1004 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1004 Loans originating at other than banking offices. (a) General...

  12. 12 CFR 7.1005 - Credit decisions at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Credit decisions at other than banking offices. 7.1005 Section 7.1005 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1005 Credit decisions at other than banking offices. A national...

  13. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following loans...

  14. 12 CFR 25.26 - Small bank performance standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Small bank performance standards. 25.26 Section... § 25.26 Small bank performance standards. (a) Performance criteria—(1) Small banks that are not... lending performance is evaluated pursuant to the following criteria: (1) The bank's loan-to-deposit ratio...

  15. 12 CFR 229.39 - lnsolvency of bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false lnsolvency of bank. 229.39 Section 229.39 Banks... AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC) Collection of Checks § 229.39 lnsolvency of bank..., collecting, depositary, or returning bank that suspends payment, and which is not paid, shall be returned by...

  16. 12 CFR 210.29 - Agreement of receiving bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Agreement of receiving bank. 210.29 Section 210.29 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM COLLECTION OF CHECKS AND OTHER ITEMS BY FEDERAL RESERVE BANKS AND FUNDS TRANSFERS THROUGH FEDWIRE (REGULATION...

  17. 12 CFR 615.5335 - Bank net collateral ratio.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank net collateral ratio. 615.5335 Section 615.5335 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Surplus and Collateral Requirements § 615.5335 Bank net...

  18. 12 CFR 225.123 - Activities closely related to banking.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.123 Section 225.123 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.123 Activities closely related to banking. (a) Effective June 15...

  19. 12 CFR 225.124 - Foreign bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.124 Foreign bank holding companies. (a) Effective December 1, 1971, the... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Foreign bank holding companies. 225.124 Section...

  20. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

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

  1. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

    Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

  2. 77 FR 26697 - New Animal Drugs; Change of Sponsor; Change of Sponsor Address; Change of Sponsor Name and...

    Science.gov (United States)

    2012-05-07

    ... rights and interest in, abbreviated new animal drug application (ANADA) 200-472 for Fomepizole for... [Docket No. FDA-2012-N-0002] New Animal Drugs; Change of Sponsor; Change of Sponsor Address; Change of.... SUMMARY: The Food and Drug Administration (FDA) is amending the animal drug regulations to reflect a...

  3. 21 CFR 500.84 - Conditions for approval of the sponsored compound.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 6 2010-04-01 2010-04-01 false Conditions for approval of the sponsored compound. 500.84 Section 500.84 Food and Drugs FOOD AND DRUG ADMINISTRATION, DEPARTMENT OF HEALTH AND HUMAN... Used in Food-Producing Animals § 500.84 Conditions for approval of the sponsored compound. (a) On the...

  4. 14 CFR 152.105 - Sponsors and planning agencies: Airport planning.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Sponsors and planning agencies: Airport planning. 152.105 Section 152.105 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF....105 Sponsors and planning agencies: Airport planning. (a) To be eligible to apply for a project for...

  5. 8 CFR 204.1 - General information about immediate relative and family-sponsored petitions.

    Science.gov (United States)

    2010-01-01

    ... relative and family-sponsored petitions. 204.1 Section 204.1 Aliens and Nationality DEPARTMENT OF HOMELAND... about immediate relative and family-sponsored petitions. (a) Types of petitions. Petitions may be filed..., Application to Determine Suitability as Adoptive Parents for a Convention adoptee; and (ii) After USCIS...

  6. 11 CFR 100.82 - Bank loans.

    Science.gov (United States)

    2010-01-01

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

  7. 11 CFR 100.142 - Bank loans.

    Science.gov (United States)

    2010-01-01

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

  8. 31 CFR 535.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 535.320 Section 535... § 535.320 Domestic bank. (a) The term domestic bank shall mean any branch or office within the United States of any of the following which is not Iran or an Iranian entity: any bank or trust company...

  9. 31 CFR 515.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 515.320 Section 515... § 515.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of a designated foreign country; any bank or trust...

  10. 31 CFR 500.320 - Domestic bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 500.320 Section 500... § 500.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of any designated foreign country: Any bank or trust...

  11. Can the ministry collaborate to form the "next generation" of sponsors?

    Science.gov (United States)

    Stanley, Teresa

    2007-01-01

    In looking to the future of sponsored ministry of Catholic institutions, the formation of future sponsors--both religious and lay alike--is an important issue. As this ministry continues to evolve, and sponsoring groups determine how best to prepare new sponsors, might it not be time to think about how to pool the ministry's collective wisdom on formation? Sponsors act not only in the name of the health care institution (or other ministry) but on behalf of the faith community engaged in continuing the compassionate healing ministry of Jesus. In Catholic ministry, and particularly health care ministry, sponsors carry out their responsibilities through a multiplicity of organizational relationships. Just as structures differ, so too do criteria that guide who will be called to join a sponsoring group. There are several core elements that are incorporated in the majority of sponsor competency sets. Elements identified by a committee of ministry members, and reviewed by hundreds of sponsors and other ministry leaders are: mission oriented, animated, theologically grounded, collaborative, church related, and accountable. If one is looking at the potential for convening dialogues about possible areas of collaboration in formation, these core elements, with examples of how they are lived out, may offer an outline of areas new sponsors might need to learn more about for their personal and professional development. Our Catholic health ministry depends on leaders who can create and steward organizational cultures that incarnate Jesus' healing. The possibilities for collaboration in the formation of future sponsors are endless, but there are challenges. If you are a member of a sponsor body/council/corporate member in Catholic health care, and are interested in nominating potential persons to take part in a representative group that would discuss possibilities for collaboration in sponsor formation, please go to www.chausa.org/sponsorformation and complete all sections of the

  12. 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... without violating 12 U.S.C. 36, 12 U.S.C. 81 and 12 CFR 5.30, provided that a third party is used to...

  13. SPONSORING, BRAND VALUE AND SOCIAL MEDIA

    Directory of Open Access Journals (Sweden)

    Alexander Zauner

    2012-10-01

    Full Text Available The increasing involvement of individuals in social media over the past decade has enabled firms to pursue new avenues in communication and sponsoring activities. Besides general research on either social media or sponsoring, questions regarding the consequences of a joint activity (sponsoring activities in social media remain unexplored. Hence, the present study analyses whether the perceived image of the brand and the celebrity endorser credibility of a top sports team influence the perceived brand value of the sponsoring firm in a social media setting. Moreover, these effects are compared between existing customers and non-customers of the sponsoring firm. Interestingly, perceived celebrity endorser credibility plays no role in forming brand value perceptions in the case of the existing customers. Implications for marketing theory and practice are derived.

  14. Paradigma Baru Sponsor sebagai Mitra Penyelenggaraan Event

    Directory of Open Access Journals (Sweden)

    Lidia Evelina

    2011-10-01

    Full Text Available The goals of this article is to know why sponsorship only to be viewed as sources of funding to implement the public relation events or marketing communication events. Method used in this article is qualitative method research to be based on observation, library study and content analysis. The result of this research seems that change happened in role of sponsorship from only fund source to become a partner of cooperation (mutual symbiotism between sponsor and event organizer. This article exploring the change of sponsorship concept from only looking for sponsor as an activity of fund mobilitation to become a partnership cooperation between event organizer and sponsor company. The mean of sponsor itself beside the fund supporter, they are also a side who takes mutual benefit from the cooperation. Conclusion, any close relationship (mutual benefit between two sides who take cooperation in event implementation (sponsor and event organiser. 

  15. 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.

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

    Science.gov (United States)

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

    2018-06-01

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

  17. Observatory Sponsoring Astronomical Image Contest

    Science.gov (United States)

    2005-05-01

    Forget the headphones you saw in the Warner Brothers thriller Contact, as well as the guttural throbs emanating from loudspeakers at the Very Large Array in that 1997 movie. In real life, radio telescopes aren't used for "listening" to anything - just like visible-light telescopes, they are used primarily to make images of astronomical objects. Now, the National Radio Astronomy Observatory (NRAO) wants to encourage astronomers to use radio-telescope data to make truly compelling images, and is offering cash prizes to winners of a new image contest. Radio Galaxy Fornax A Radio Galaxy Fornax A Radio-optical composite image of giant elliptical galaxy NGC 1316, showing the galaxy (center), a smaller companion galaxy being cannibalized by NGC 1316, and the resulting "lobes" (orange) of radio emission caused by jets of particles spewed from the core of the giant galaxy Click on image for more detail and images CREDIT: Fomalont et al., NRAO/AUI/NSF "Astronomy is a very visual science, and our radio telescopes are capable of producing excellent images. We're sponsoring this contest to encourage astronomers to make the extra effort to turn good images into truly spectacular ones," said NRAO Director Fred K.Y. Lo. The contest, offering a grand prize of $1,000, was announced at the American Astronomical Society's meeting in Minneapolis, Minnesota. The image contest is part of a broader NRAO effort to make radio astronomical data and images easily accessible and widely available to scientists, students, teachers, the general public, news media and science-education professionals. That effort includes an expanded image gallery on the observatory's Web site. "We're not only adding new radio-astronomy images to our online gallery, but we're also improving the organization and accessibility of the images," said Mark Adams, head of education and public outreach (EPO) at NRAO. "Our long-term goal is to make the NRAO Image Gallery an international resource for radio astronomy imagery

  18. 12 CFR 1229.3 - Criteria for a Bank's capital classification.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Criteria for a Bank's capital classification. 1229.3 Section 1229.3 Banks and Banking FEDERAL HOUSING FINANCE AGENCY ENTITY REGULATIONS CAPITAL CLASSIFICATIONS AND PROMPT CORRECTIVE ACTION Federal Home Loan Banks § 1229.3 Criteria for a Bank's capital...

  19. 12 CFR 615.5040 - Borrowings from financial institutions other than commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from financial institutions other than commercial banks. 615.5040 Section 615.5040 Banks and Banking FARM CREDIT ADMINISTRATION FARM... § 615.5040 Borrowings from financial institutions other than commercial banks. The Farm Credit banks may...

  20. 12 CFR 995.5 - Bank and Office of Finance employees.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank and Office of Finance employees. 995.5 Section 995.5 Banks and Banking FEDERAL HOUSING FINANCE BOARD NON-BANK SYSTEM ENTITIES FINANCING CORPORATION OPERATIONS § 995.5 Bank and Office of Finance employees. Without further approval of the Finance Board, the Financing Corporation shall have...

  1. 12 CFR 931.8 - Other restrictions on the repurchase or redemption of Bank stock.

    Science.gov (United States)

    2010-01-01

    ... redemption of Bank stock. 931.8 Section 931.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK RISK MANAGEMENT AND CAPITAL STANDARDS FEDERAL HOME LOAN BANK CAPITAL STOCK § 931.8 Other restrictions on the repurchase or redemption of Bank stock. (a) Capital impairment. A Bank may not redeem or...

  2. 12 CFR 225.174 - What aggregate thresholds apply to merchant banking investments?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What aggregate thresholds apply to merchant banking investments? 225.174 Section 225.174 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...) Regulations Merchant Banking Investments § 225.174 What aggregate thresholds apply to merchant banking...

  3. 12 CFR 1500.5 - What aggregate thresholds apply to merchant banking investments?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false What aggregate thresholds apply to merchant banking investments? 1500.5 Section 1500.5 Banks and Banking DEPARTMENT OF THE TREASURY GENERAL PROVISIONS MERCHANT BANKING INVESTMENTS § 1500.5 What aggregate thresholds apply to merchant banking investments? (a...

  4. 12 CFR 211.3 - Foreign branches of U.S. banking organizations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Foreign branches of U.S. banking organizations. 211.3 Section 211.3 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) International Operations of U.S. Banking...

  5. 12 CFR 987.2 - Law governing rights and obligations of Banks, Finance Board, Office of Finance, United States...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Law governing rights and obligations of Banks, Finance Board, Office of Finance, United States and Federal Reserve Banks; rights of any Person against Banks, Finance Board, Office of Finance, United States and Federal Reserve Banks. 987.2 Section 987.2 Banks and Banking FEDERAL HOUSING FINANCE...

  6. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While the... deduction provided in section 172, any taxable year for which a mutual savings bank, building and loan...

  7. 31 CFR 103.187 - Special measures against Myanmar Mayflower Bank and Asia Wealth Bank.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Special measures against Myanmar... measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...) Myanmar Mayflower Bank means all headquarters, branches, and offices of Myanmar Mayflower Bank operating...

  8. 12 CFR 987.7 - Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks. 987.7 Section 987.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.7 Liability of Banks, Finance Board, Office of Finance and Federal Reserve...

  9. 12 CFR 345.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Public notice by banks. 345.44 Section 345.44... COMMUNITY REINVESTMENT Records, Reporting, and Disclosure Requirements § 345.44 Public notice by banks. A bank shall provide in the public lobby of its main office and each of its branches the appropriate...

  10. 12 CFR 1806.204 - Applications for Bank Enterprise Awards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Applications for Bank Enterprise Awards. 1806... OF THE TREASURY BANK ENTERPRISE AWARD PROGRAM Awards § 1806.204 Applications for Bank Enterprise... Enterprise Awards in accordance with this section and the applicable NOFA. After receipt of an application...

  11. 7 CFR 1610.5 - Minimum Bank loan.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...

  12. 12 CFR 614.4354 - Federal land bank associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land bank associations. 614.4354 Section 614.4354 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... association may assume endorsement liability on any loan if the total amount of the association's endorsement...

  13. 12 CFR 614.4010 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ...) of this chapter, for the export (including the cost of freight) of agricultural commodities or... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS...

  14. 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...

  15. Interpreting the cross-sectional flow field in a river bank based on a genetic-algorithm two-dimensional heat-transport method (GA-VS2DH)

    Science.gov (United States)

    Su, Xiaoru; Shu, Longcang; Chen, Xunhong; Lu, Chengpeng; Wen, Zhonghui

    2016-12-01

    Interactions between surface waters and groundwater are of great significance for evaluating water resources and protecting ecosystem health. Heat as a tracer method is widely used in determination of the interactive exchange with high precision, low cost and great convenience. The flow in a river-bank cross-section occurs in vertical and lateral directions. In order to depict the flow path and its spatial distribution in bank areas, a genetic algorithm (GA) two-dimensional (2-D) heat-transport nested-loop method for variably saturated sediments, GA-VS2DH, was developed based on Microsoft Visual Basic 6.0. VS2DH was applied to model a 2-D bank-water flow field and GA was used to calibrate the model automatically by minimizing the difference between observed and simulated temperatures in bank areas. A hypothetical model was developed to assess the reliability of GA-VS2DH in inverse modeling in a river-bank system. Some benchmark tests were conducted to recognize the capability of GA-VS2DH. The results indicated that the simulated seepage velocity and parameters associated with GA-VS2DH were acceptable and reliable. Then GA-VS2DH was applied to two field sites in China with different sedimentary materials, to verify the reliability of the method. GA-VS2DH could be applied in interpreting the cross-sectional 2-D water flow field. The estimates of horizontal hydraulic conductivity at the Dawen River and Qinhuai River sites are 1.317 and 0.015 m/day, which correspond to sand and clay sediment in the two sites, respectively.

  16. 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.

  17. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

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

  18. Cross-Sectional Analysis of the 1039 U.S. Physicians Reported to the National Practitioner Data Bank for Sexual Misconduct, 2003-2013.

    Directory of Open Access Journals (Sweden)

    Azza AbuDagga

    Full Text Available Little information exists on U.S. physicians who have been disciplined with licensure or restriction-of-clinical-privileges actions or have had malpractice payments because of sexual misconduct. Our objectives were to: (1 determine the number of these physicians and compare their age groups' distribution with that of the general U.S. physician population; (2 compare the type of disciplinary actions taken against these physicians with actions taken against physicians disciplined for other offenses; (3 compare the characteristics and type of injury among victims of these physicians with those of victims in reports for physicians with other offenses in malpractice-payment reports; and (4 determine the percentages of physicians with clinical-privileges or malpractice-payment reports due to sexual misconduct who were not disciplined by medical boards.We conducted a cross-sectional analysis of physician reports submitted to the National Practitioner Data Bank (NPDB from January 1, 2003, through September 30, 2013. A total of 1039 physicians had ≥ 1 sexual-misconduct-related reports. The majority (75.6% had only licensure reports, and 90.1% were 40 or older. For victims in malpractice-payment reports, 87.4% were female, and "emotional injury only" was the predominant type of injury. We found a higher percentage of serious licensure actions and clinical-privileges revocations in sexual-misconduct-related reports than in reports for other offenses (89.0% vs 68.1%, P = < .001, and 29.3% vs 18.8%, P = .002, respectively. Seventy percent of the physicians with a clinical-privileges or malpractice-payment report due to sexual misconduct were not disciplined by medical boards for this problem.A small number of physicians were reported to the NPDB because of sexual misconduct. It is concerning that a majority of the physicians with a clinical-privileges action or malpractice-payment report due to sexual misconduct were not disciplined by medical boards for

  19. The Political Economy of Federally Sponsored Data

    Directory of Open Access Journals (Sweden)

    Bart Ragon

    2013-11-01

    Full Text Available Librarian involvement in the Open Access (OA movement has traditionally focused on access to scholarly publications. Recent actions by the White House have focused attention on access on the data produced from federally sponsored research. Questions have emerged concerning access to the output of federally sponsored research and whether it is a public or private good. Understanding the political battle over access to federally funded research is closely tied to the ownership of the peer review process in higher education and associated revenue streams, and as a result, interest groups seeking to influence government regulation have politicized the issues. As a major funder of research in higher education, policies from the federal government are likely to drive change in research practices at higher education institutions and impact library services. The political economy of federally sponsored research data will shape research enterprises in higher education inspire a number of new services distributed throughout the research life cycle.

  20. 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...

  1. Event seeking for sponsors: Case Helsinki Pride

    OpenAIRE

    Jaakkola, Johanna

    2014-01-01

    This thesis was done for HeSeTa Ry (Helsingin seudun seksuaalinen tasavertaisuus ry) and the goal was to find out how Helsinki Pride could get sponsors more efficiently and how the co-operation could be made more long lasting with the current sponsors. Helsinki Pride is an event organized in Helsinki each year in June. It is also the biggest LGBT event organized in Finland. The biggest event of the week is the Gay Parade and the Party in the Park. In 2014 only these events had over 20 000 par...

  2. Redactions in protocols for drug trials: what industry sponsors concealed.

    Science.gov (United States)

    Marquardsen, Mikkel; Ogden, Michelle; Gøtzsche, Peter C

    2018-04-01

    Objective To describe the redactions in contemporary protocols for industry-sponsored randomised drug trials with patient relevant outcomes and to evaluate whether there was a legitimate rationale for the redactions. Design Cohort study. Under the Freedom of Information Act, we requested access to trial protocols approved by a research ethics committee in Denmark from October 2012 to March 2013. We received 17 consecutive protocols, which had been redacted before we got them, and nine protocols without redactions. In five additional cases, the companies refused to let the committees give us access, and in three other cases, documents were missing. Participants Not applicable. Setting Not applicable. Main outcome measure Amount and nature of redactions in 22 predefined key protocol variables. Results The redactions were most widespread in those sections of the protocol where there is empirical evidence of substantial problems with the trustworthiness of published drug trials: data analysis, handling of missing data, detection and analysis of adverse events, definition of the outcomes, interim analyses and premature termination of the study, sponsor's access to incoming data while the study is running, ownership to the data and investigators' publication rights. The parts of the text that were redacted differed widely, both between companies and within the same company. Conclusions We could not identify any legitimate rationale for the redactions. The current mistrust in industry-sponsored drug trials can only change if the industry offers unconditional access to its trial protocols and other relevant documents and data.

  3. 75 FR 73983 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2010-11-30

    ... 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation (FDIC... Pricing. This correction clarifies that the comment period for the Assessments, Large Bank Pricing ends January 3, 2011. FOR FURTHER INFORMATION CONTACT: Lisa Ryu, Chief, Large Bank Pricing Section, Division of...

  4. 76 FR 10671 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-02-25

    ... 327 Assessments, Large Bank Pricing; Final Rule #0;#0;Federal Register / Vol. 76 , No. 38 / Friday... Part 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation..., (202) 898-6796; Lisa Ryu, Chief, Large Bank Pricing Section, Division of Insurance and Research, (202...

  5. 77 FR 9137 - National Practitioner Data Bank

    Science.gov (United States)

    2012-02-15

    ... Parts 60 and 61 National Practitioner Data Bank; Proposed Rule #0;#0;Federal Register / Vol. 77, No. 31... CFR Parts 60 and 61 RIN 0906-AA87 National Practitioner Data Bank AGENCY: Health Resources and... section 1921 of the Social Security Act, governing the National Practitioner Data Bank, to incorporate...

  6. 78 FR 20473 - National Practitioner Data Bank

    Science.gov (United States)

    2013-04-05

    ... Data Bank AGENCY: Health Resources and Services Administration (HRSA), HHS. ACTION: Final rule. SUMMARY... Bank, to incorporate statutory requirements under the Patient Protection and Affordable Care Act of... regulations which implemented the Healthcare Integrity and Protection Data Bank. Section 6403 of the...

  7. 40 CFR 96.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.255 Section 96.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.255 Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a...

  8. 40 CFR 97.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.155 Section 97.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a compliance account or a...

  9. 40 CFR 89.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 89.205 Section 89.205... EMISSIONS FROM NEW AND IN-USE NONROAD COMPRESSION-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 89.205 Banking. (a) Requirements for Tier 1 engines rated at or above 37 kW. (1) A manufacturer...

  10. 40 CFR 97.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.55 Section 97.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. NOX allowances may be banked for future use or transfer in a compliance account, an overdraft...

  11. 40 CFR 97.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.355 Section 97.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... System § 97.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future use or transfer in...

  12. 40 CFR 96.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.355 Section 96.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Allowance Tracking System § 96.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future...

  13. 40 CFR 96.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.55 Section 96.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.55 Banking. (a) NOX allowances may be banked for future use or transfer in a...

  14. 40 CFR 90.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 90.205 Section 90.205... EMISSIONS FROM NONROAD SPARK-IGNITION ENGINES AT OR BELOW 19 KILOWATTS Certification Averaging, Banking, and Trading Provisions § 90.205 Banking. (a)(1) Beginning August 1, 2007, a manufacturer of a Class I engine...

  15. 40 CFR 96.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.155 Section 96.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.155 Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a...

  16. 40 CFR 60.4155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for future...

  17. 40 CFR 97.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.255 Section 97.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a compliance account or a...

  18. Geographic Diversification, Competition and Bank Survival

    NARCIS (Netherlands)

    Jochem, T.

    2013-01-01

    This article analyzes the effects from portfolio diversification and banking competition on the stability of U.S. banks during the 2008-2011 banking crisis. To do so, it uses exogenous cross-sectional and time-series variation in states' branching restrictions between 1997-2005, the degree of local

  19. 12 CFR 25.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Public notice by banks. 25.44 Section 25.44... Public notice by banks. A bank shall provide in the public lobby of its main office and each of its branches the appropriate public notice set forth in appendix B of this part. Only a branch of a bank having...

  20. 12 CFR 228.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Public notice by banks. 228.44 Section 228.44... notice by banks. A bank shall provide in the public lobby of its main office and each of its branches the appropriate public notice set forth in appendix B of this part. Only a branch of a bank having more than one...

  1. Use and Misuse of Industry Sponsored Materials.

    Science.gov (United States)

    DuVall, Charles R.; Krepel, Wayne J.

    A review of educational research reveals that free and inexpensive materials are used today to a much greater extent than they had been in the past. Two studies, sponsored by the American Iron and Steel Institute, are evidence of the producer's interest in determining the strengths and weaknesses of the materials being sent into classrooms and…

  2. Market Imperfections and Firm-Sponsored Training

    NARCIS (Netherlands)

    Picchio, M.; van Ours, J.C.

    2010-01-01

    Recent human capital theories predict that labor market frictions and product market competition influence firm-sponsored training. Using matched worker-firm data from Dutch manufacturing, our paper empirically assesses the validity of these predictions. We find that a decrease in labor market

  3. The University Campus: Why Military Sponsored Research.

    Science.gov (United States)

    Messing, Aubrey E.

    Military-sponsored research on the university campus has been a major issue during the past several years. Opposition has come from radicals, who wish to destroy the university itself, to critics, who feel such activities take needed funds and personnel from the more important task of solving our nation's social problems. These viewpoints and the…

  4. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    OpenAIRE

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

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

  5. isk governance: Experience of Islamic banks

    OpenAIRE

    Siti Rohaya Mat Rahim; Fauziah Mahat

    2015-01-01

    Risk governance has evolved tremendously in the banking industry. Risk governance recommends the imperative roles of Chief Risk Officer (CRO) to oversee risk. This study explores risk governance influence over the Islamic banks performances. Multivariate analysis techniques measure simultaneously via Structural Equation Modelling (SEM). This study employed cross-sectional sample of 200 Islamic banks across 21 countries for the year 2014. To examine risk governance and Islamic banks performanc...

  6. Differential Globalization of Industry- and Non-Industry-Sponsored Clinical Trials.

    Science.gov (United States)

    Atal, Ignacio; Trinquart, Ludovic; Porcher, Raphaël; Ravaud, Philippe

    2015-01-01

    Mapping the international landscape of clinical trials may inform global health research governance, but no large-scale data are available. Industry or non-industry sponsorship may have a major influence in this mapping. We aimed to map the global landscape of industry- and non-industry-sponsored clinical trials and its evolution over time. We analyzed clinical trials initiated between 2006 and 2013 and registered in the WHO International Clinical Trials Registry Platform (ICTRP). We mapped single-country and international trials by World Bank's income groups and by sponsorship (industry- vs. non- industry), including its evolution over time from 2006 to 2012. We identified clusters of countries that collaborated significantly more than expected in industry- and non-industry-sponsored international trials. 119,679 clinical trials conducted in 177 countries were analysed. The median number of trials per million inhabitants in high-income countries was 100 times that in low-income countries (116.0 vs. 1.1). Industry sponsors were involved in three times more trials per million inhabitants than non-industry sponsors in high-income countries (75.0 vs. 24.5) and in ten times fewer trials in low- income countries (0.08 vs. 1.08). Among industry- and non-industry-sponsored trials, 30.3% and 3.2% were international, respectively. In the industry-sponsored network of collaboration, Eastern European and South American countries collaborated more than expected; in the non-industry-sponsored network, collaboration among Scandinavian countries was overrepresented. Industry-sponsored international trials became more inter-continental with time between 2006 and 2012 (from 54.8% to 67.3%) as compared with non-industry-sponsored trials (from 42.4% to 37.2%). Based on trials registered in the WHO ICTRP we documented a substantial gap between the globalization of industry- and non-industry-sponsored clinical research. Only 3% of academic trials but 30% of industry trials are

  7. Differential Globalization of Industry- and Non-Industry–Sponsored Clinical Trials

    Science.gov (United States)

    Atal, Ignacio; Trinquart, Ludovic; Porcher, Raphaël; Ravaud, Philippe

    2015-01-01

    Background Mapping the international landscape of clinical trials may inform global health research governance, but no large-scale data are available. Industry or non-industry sponsorship may have a major influence in this mapping. We aimed to map the global landscape of industry- and non-industry–sponsored clinical trials and its evolution over time. Methods We analyzed clinical trials initiated between 2006 and 2013 and registered in the WHO International Clinical Trials Registry Platform (ICTRP). We mapped single-country and international trials by World Bank's income groups and by sponsorship (industry- vs. non- industry), including its evolution over time from 2006 to 2012. We identified clusters of countries that collaborated significantly more than expected in industry- and non-industry–sponsored international trials. Results 119,679 clinical trials conducted in 177 countries were analysed. The median number of trials per million inhabitants in high-income countries was 100 times that in low-income countries (116.0 vs. 1.1). Industry sponsors were involved in three times more trials per million inhabitants than non-industry sponsors in high-income countries (75.0 vs. 24.5) and in ten times fewer trials in low- income countries (0.08 vs. 1.08). Among industry- and non-industry–sponsored trials, 30.3% and 3.2% were international, respectively. In the industry-sponsored network of collaboration, Eastern European and South American countries collaborated more than expected; in the non-industry–sponsored network, collaboration among Scandinavian countries was overrepresented. Industry-sponsored international trials became more inter-continental with time between 2006 and 2012 (from 54.8% to 67.3%) as compared with non-industry–sponsored trials (from 42.4% to 37.2%). Conclusions Based on trials registered in the WHO ICTRP we documented a substantial gap between the globalization of industry- and non-industry–sponsored clinical research. Only 3% of

  8. 12 CFR 215.5 - Additional restrictions on loans to executive officers of member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Additional restrictions on loans to executive officers of member banks. 215.5 Section 215.5 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS... MEMBER BANKS (REGULATION O) § 215.5 Additional restrictions on loans to executive officers of member...

  9. 12 CFR 614.4080 - Loans and chartered territory-banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-banks for cooperatives. 614.4080 Section 614.4080 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4080 Loans and chartered territory—banks for...

  10. 12 CFR 345.25 - Community development test for wholesale or limited purpose banks.

    Science.gov (United States)

    2010-01-01

    ... FDIC rates a bank's community development performance as provided in Appendix A of this part. ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Community development test for wholesale or limited purpose banks. 345.25 Section 345.25 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION...

  11. 12 CFR 225.126 - Activities not closely related to banking.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities not closely related to banking. 225.126 Section 225.126 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Financial Holding Companies Interpretations § 225.126 Activities not closely related to banking. Pursuant to...

  12. Predictors and Extent of Institutional Trust in Government, Banks, the Media and Religious Organisations: Evidence from Cross-Sectional Surveys in Six Asia-Pacific Countries

    OpenAIRE

    Ward, Paul R.; Miller, Emma; Pearce, Alex R.; Meyer, Samantha B.

    2016-01-01

    Background Building or maintaining institutional trust is of central importance in democratic societies since negative experiences (potentially leading to mistrust) with government or other institutions may have a much more profound effect than positive experiences (potentially maintaining trust). Healthy democracy relies on more than simply trusting the national government of the time, and is mediated through other symbols of institutional power, such as the legal system, banks, the media an...

  13. Gender differences in reaching top roles in banking: a cross-sectional study performed by bankers work in province of Pisa

    Directory of Open Access Journals (Sweden)

    Vittoria Colamesta

    2015-09-01

    Full Text Available The financial industry is a pivot of the economy and plays an important social role.Goal of this study was to analyze factors associated with the framing level in banking in the province of Pisa.We collected data about age, gender, framing level, workplace and type of bank for bankers in Pisa through trade unionists.We collected data on 2018 workers and we found significant associations between framing level and aged over 40 years (OR = 4.5; 95% CI: 2.9-6.9, workplace in Pisa (OR = 0.30; 95% CI: 0.20-0.44 and male gender (OR = 2.89; 95% CI: 1.98-4.21.The first two factors are explainable with organizational characteristics. In fact for becoming manager you already have to work a number of year and in cities rather than in the surrounding municipalities, consistent with the size of bank.However, the third factor, already known in the literature in other work areas, requires further studies for explaining causes and helping to implement actions to reduce the gender gap.

  14. What can Bilfinger teach Olympic sponsors?

    OpenAIRE

    Mark Dodds; Mauro Palmero

    2016-01-01

    Bilfinger SE (Bilfinger) is a leading international engineering and services group (Bilfinger.com, 2015), and was a local sponsor of the 2014 FIFA World Cup. The company is accused of paying bribes through its subsidiary company, Mauell, (dw. com, 2015) to public officials in Brazil for contracts related to the 2014 World Cup (Cassin, 2015). The corruption allegations relate to orders to equip security command centers at twelve host cities during the 2014 World Cup in Brazil (dw.com, 2015). B...

  15. The Complex Dynamics of Sponsored Search Markets

    Science.gov (United States)

    Robu, Valentin; La Poutré, Han; Bohte, Sander

    This paper provides a comprehensive study of the structure and dynamics of online advertising markets, mostly based on techniques from the emergent discipline of complex systems analysis. First, we look at how the display rank of a URL link influences its click frequency, for both sponsored search and organic search. Second, we study the market structure that emerges from these queries, especially the market share distribution of different advertisers. We show that the sponsored search market is highly concentrated, with less than 5% of all advertisers receiving over 2/3 of the clicks in the market. Furthermore, we show that both the number of ad impressions and the number of clicks follow power law distributions of approximately the same coefficient. However, we find this result does not hold when studying the same distribution of clicks per rank position, which shows considerable variance, most likely due to the way advertisers divide their budget on different keywords. Finally, we turn our attention to how such sponsored search data could be used to provide decision support tools for bidding for combinations of keywords. We provide a method to visualize keywords of interest in graphical form, as well as a method to partition these graphs to obtain desirable subsets of search terms.

  16. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  17. 75 FR 81096 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-12-27

    ...). Section 10C(e) requires the Director to annually report to Congress on the performance of the Banks in... benchmark levels to measure the Banks' housing goals performance. The Banks' performance under the housing... originated both by members and non-members. A Bank meets a housing goal if its annual performance meets or...

  18. 31 CFR 535.433 - Central Bank of Iran.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Central Bank of Iran. 535.433 Section 535.433 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... § 535.433 Central Bank of Iran. The Central Bank of Iran (Bank Markazi Iran) is an agency...

  19. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715 Section 1042.715 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR POLLUTION..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention...

  20. 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.

  1. 12 CFR 225.121 - Acquisition of Edge corporation affiliate by State member banks of registered bank holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Acquisition of Edge corporation affiliate by... Acquisition of Edge corporation affiliate by State member banks of registered bank holding company. (a) The... of the holding company's Edge corporation subsidiary organized under section 25(a) of the Federal...

  2. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  3. The effect of smoking on the healthy life expectancy of Palestinian men in the West Bank: a cross-sectional study.

    Science.gov (United States)

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

    2018-02-21

    The high prevalence of smoking (40%) in men living in the West Bank of the occupied Palestinian territory is a major challenge for the Palestinian health authorities. The aim of this study was to estimate life expectancy and the average lifetime with and without chronic disease in men living in the West Bank who had never smoked, were ex-smokers, or were smokers. We used a life table for the male population in the West Bank and Danish relative risk estimates for death for smokers and ex-smokers versus never smokers and data from the 2010 Palestinian Family Survey. We estimated expected life time with and without chronic disease, and the contributions from the mortality and morbidity effects to smoking-related differences in average lifetime with and without chronic disease were assessed by decomposition. The life expectancy of a Palestinian man aged 15 years who would never start smoking was 59·5 years, of which 41·1 years (95% CI 40·3-41·9) were expected to be without chronic disease. Ex-smokers could expect 57·9 years of remaining life time, 37·7 years (35·9-39·4) of which would be without chronic disease. For life-long heavy smokers, the expected lifetime was 52·6 years, of which 38·5 years (37·3-39·7) would be without chronic disease. Of the total loss of 6·9 years of life expectancy in heavy smokers, the mortality effect accounted for 2·5 years without disease and 4·4 years with disease, whereas the morbidity effect was negligible. The morbidity component of the decomposition accounted for 1·7 years with disease for moderate smokers and 2·9 years without disease for ex-smokers. The high prevalence of smoking causes a considerable loss of life-years and life time without chronic disease. We recommend that the Palestinian health authorities enforce an anti-smoking law. None. Copyright © 2018 Elsevier Ltd. All rights reserved.

  4. 26 CFR 301.9100-10T - Election by certain family-owned bank holding companies to divest all banking or nonbanking...

    Science.gov (United States)

    2010-04-01

    ... companies to divest all banking or nonbanking property. 301.9100-10T Section 301.9100-10T Internal Revenue... bank holding companies to divest all banking or nonbanking property. (a) In general. For purposes of... by the Federal Reserve Board that the bank holding company has disposed of either all banking...

  5. 48 CFR 35.017-1 - Sponsoring agreements.

    Science.gov (United States)

    2010-10-01

    ... of the FFRDC's relationship with its sponsor(s). (3) A provision for the identification of retained earnings (reserves) and the development of a plan for their use and disposition. (4) A prohibition against...

  6. DOE-EERC jointly sponsored research program

    Energy Technology Data Exchange (ETDEWEB)

    Hendrikson, J.G.; Sondreal, E.A.

    1999-09-01

    U.S. Department of Energy (DOE) Cooperative Agreement DE-FC21-93MC30098 funded through the Office of Fossil Energy and administered at the Federal Energy Technology Center (FETC) supported the performance of a Jointly Sponsored Research Program (JSRP) at the Energy and Environmental Research Center (EERC) with a minimum 50% nonfederal cost share to assist industry in commercializing and effectively applying efficient, nonpolluting energy technologies that can compete effectively in meeting market demands for clean fuels, chemical feedstocks, and electricity in the 21st century. The objective of the JSRP was to advance the deployment of advanced technologies for improving energy efficiency and environmental performance through jointly sponsored research on topics that would not be adequately addressed by the private sector alone. Examples of such topics include the barriers to hot-gas cleaning impeding the deployment of high-efficiency power systems and the search for practical means for sequestering CO{sub 2} generated by fossil fuel combustion. The selection of particular research projects was guided by a combination of DOE priorities and market needs, as provided by the requirement for joint venture funding approved both by DOE and the private sector sponsor. The research addressed many different energy resource and related environmental problems, with emphasis directed toward the EERC's historic lead mission in low-rank coals (LRCs), which represent approximately half of the U.S. coal resources in the conterminous states, much larger potential resources in Alaska, and a major part of the energy base in the former U.S.S.R., East Central Europe, and the Pacific Rim. The Base and JSRP agreements were tailored to the growing awareness of critical environmental issues, including water supply and quality, air toxics (e.g., mercury), fine respirable particulate matter (PM{sub 2.5}), and the goal of zero net CO{sub 2} emissions.

  7. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

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

  8. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

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

  9. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

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

  10. Modelling Emotional and Attitudinal Evaluations of Major Sponsors

    DEFF Research Database (Denmark)

    Martensen, Anne; Hansen, Flemming

    2004-01-01

    The paper reports findings from a larger study of sponsors and their relationship to sponsoredparties. In the present reporting, the focus is on sponsors. Rather than evaluating suchsponsorships in traditional effect hierarchical terms, a conceptual Sponsor Value Model isspecified as a structural...

  11. 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…

  12. Differences in tobacco smoking prevalence and frequency between adolescent Palestine refugee and non-refugee populations in Jordan, Lebanon, Syria, and the West Bank: cross-sectional analysis of the Global Youth Tobacco Survey.

    Science.gov (United States)

    Jawad, Mohammed; Khader, Ali; Millett, Christopher

    2016-01-01

    Evidence is conflicting as to the whether tobacco smoking prevalence is higher in refugee than non-refugee populations. The aim of this study was to compare the prevalence and frequency of tobacco smoking in Palestine refugee and non-refugee adolescent populations in the Middle East. We conducted a cross-sectional analysis of the Global Youth Tobacco Survey (GYTS) conducted in Jordan, Lebanon, Syria, and the West Bank among adolescent Palestine refugees and non-refugees. Age- and sex-adjusted regression models assessed the association between refugee status and current (past-30 day) tobacco use prevalence and frequency. Prevalence estimates for current tobacco smoking were similar between Palestine refugee and non-refugee groups in Jordan (26.7 % vs. 24.0 %), Lebanon (39.4 % vs. 38.5 %), and the West Bank (39.5 % vs. 38.4 %). In Syria, Palestine refugees had nearly twice the odds of current tobacco smoking compared to non-refugees (23.2 % vs. 36.6 %, AOR 1.96, 95 % CI 1.46-2.62). Palestine refugees consumed more cigarettes per month than non-refugees in Lebanon (β 0.57, 95 % CI 0.17-0.97) and Palestine refugees consumed more waterpipe tobacco per month than non-refugees in Syria (β 0.40, 95 % CI 0.19-0.61) and the West Bank (β 0.42, 95 % CI 0.21-0.64). Current tobacco smoking prevalence is in excess of 20 % in both adolescent Palestine refugee and non-refugee populations in Middle Eastern countries, however Palestine refugees may smoke tobacco more frequently than non-refugees. Comparison of simple prevalence estimates may therefore mask important differences in tobacco use patterns within population groups.

  13. What can Bilfinger teach Olympic sponsors?

    Directory of Open Access Journals (Sweden)

    Mark Dodds

    2016-10-01

    Full Text Available Bilfinger SE (Bilfinger is a leading international engineering and services group (Bilfinger.com, 2015, and was a local sponsor of the 2014 FIFA World Cup. The company is accused of paying bribes through its subsidiary company, Mauell, (dw. com, 2015 to public officials in Brazil for contracts related to the 2014 World Cup (Cassin, 2015. The corruption allegations relate to orders to equip security command centers at twelve host cities during the 2014 World Cup in Brazil (dw.com, 2015. Because Brazil hosted the 2014 FIFA World Cup and will host the 2016 Summer Olympic Games, companies need to consider the risks of many international anti-corruption laws, such as Brazil’s anti-corruption law commonly referred as The Clean Companies Act and other applicable anticorruption law like the United States’ Foreign Corrupt Practices Act (Rogers, et. al, 2014. This paper will analyze the Bilfinger case involving corruption activity at the 2014 FIFA World Cup and offer insights for sponsors of the 2016 Summer Olympic Games.

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

    Science.gov (United States)

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

    2012-01-01

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

  15. Is banking supervision central to central banking?

    OpenAIRE

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

    1997-01-01

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

  16. 75 FR 29947 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-05-28

    ... performance of the Banks in meeting the housing goals under section 10C. 12 U.S.C. 1430c(e). Sections 1331... would measure the Banks' single-family housing goals performance relative to the actual goals-qualifying... advantages of comparing the Bank's performance to actual market performance outweigh the disadvantages. A...

  17. 78 FR 37101 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2013-06-20

    ...: Enterprise and Federal Home Loan Bank Housing Goals Related Enforcement Amendment AGENCY: Federal Housing... Mortgage Corporation (Freddie Mac), or the Federal Home Loan Banks (Banks) for failure to submit or follow... 1209. 2. Bank Housing Plan Enforcement Section 10C(a) of the Federal Home Loan Bank Act (Bank Act), as...

  18. 12 CFR 303.46 - Financial education programs that include the provision of bank products and services.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Financial education programs that include the provision of bank products and services. 303.46 Section 303.46 Banks and Banking FEDERAL DEPOSIT INSURANCE... Branches and Offices § 303.46 Financial education programs that include the provision of bank products and...

  19. isk governance: Experience of Islamic banks

    Directory of Open Access Journals (Sweden)

    Siti Rohaya Mat Rahim

    2015-05-01

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

  20. Beware: this is sponsored! How disclosures of sponsored content affect persuasion knowledge and brand responses

    NARCIS (Netherlands)

    Boerman, S.; van Reijmersdal, E.; Neijens, P.

    2012-01-01

    This study examined how disclosure of sponsored content influences persuasion knowledge and brand responses (i.e., brand memory and brand attitude). Moreover, we tested whether extending disclosure duration increases its effect. We conducted an experiment (N = 116) in which we compared the effects

  1. 7 CFR 226.12 - Administrative payments to sponsoring organizations for day care homes.

    Science.gov (United States)

    2010-01-01

    ... amount of administrative payments and food service payments for day care home operations. (b) Start-up... for day care homes. 226.12 Section 226.12 Agriculture Regulations of the Department of Agriculture... day care homes. (a) General. Sponsoring organizations for day care homes shall receive payments for...

  2. 42 CFR 403.822 - Reimbursement of transitional assistance and associated sponsor requirements.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Reimbursement of transitional assistance and associated sponsor requirements. 403.822 Section 403.822 Public Health CENTERS FOR MEDICARE & MEDICAID... Prescription Drug Discount Card and Transitional Assistance Program § 403.822 Reimbursement of transitional...

  3. 47 CFR 68.602 - Sponsor of the Administrative Council for Terminal Attachments.

    Science.gov (United States)

    2010-10-01

    ... Attachments. (a) The Telecommunications Industry Association (TIA) and the Alliance for Telecommunications... 47 Telecommunication 3 2010-10-01 2010-10-01 false Sponsor of the Administrative Council for Terminal Attachments. 68.602 Section 68.602 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED...

  4. 12 CFR 1229.5 - Capital distributions for adequately capitalized Banks.

    Science.gov (United States)

    2010-01-01

    ... capitalized Banks. 1229.5 Section 1229.5 Banks and Banking FEDERAL HOUSING FINANCE AGENCY ENTITY REGULATIONS CAPITAL CLASSIFICATIONS AND PROMPT CORRECTIVE ACTION Federal Home Loan Banks § 1229.5 Capital... classification of adequately capitalized. A Bank may not make a capital distribution if such distribution would...

  5. 12 CFR 7.1021 - National bank participation in financial literacy programs.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank participation in financial literacy programs. 7.1021 Section 7.1021 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... at a facility used by, a school. The school premises or facility will not be considered a branch of...

  6. 12 CFR 1.5 - Safe and sound banking practices; credit information required.

    Science.gov (United States)

    2010-01-01

    ... interest rate, credit, liquidity, price, foreign exchange, transaction, compliance, strategic, and... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Safe and sound banking practices; credit information required. 1.5 Section 1.5 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE...

  7. 12 CFR 615.5136 - Emergencies impeding normal access of Farm Credit banks to capital markets.

    Science.gov (United States)

    2010-01-01

    ... Credit banks to capital markets. 615.5136 Section 615.5136 Banks and Banking FARM CREDIT ADMINISTRATION... Investment Management § 615.5136 Emergencies impeding normal access of Farm Credit banks to capital markets... defense crisis could impede the normal access of Farm Credit banks to the capital markets. Whenever the...

  8. 12 CFR 917.2 - General authorities and duties of Bank boards of directors.

    Science.gov (United States)

    2010-01-01

    ... thereafter, have a working familiarity with basic finance and accounting practices, including the ability to... 12 Banks and Banking 7 2010-01-01 2010-01-01 false General authorities and duties of Bank boards of directors. 917.2 Section 917.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD GOVERNANCE AND...

  9. 12 CFR 980.2 - Limitation on Bank authority to undertake new business activities.

    Science.gov (United States)

    2010-01-01

    ... business activities. 980.2 Section 980.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK ACTIVITIES NEW BUSINESS ACTIVITIES § 980.2 Limitation on Bank authority to undertake new business activities. No Bank shall undertake any new business activity except in accordance with the...

  10. 12 CFR 265.7 - Functions delegated to Director of Division of Banking Supervision and Regulation.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Functions delegated to Director of Division of Banking Supervision and Regulation. 265.7 Section 265.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM RULES REGARDING DELEGATION OF AUTHORITY § 265.7 Functions delegated to Director of Division...

  11. 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

  12. Jointly Sponsored Research Program Energy Related Research

    Energy Technology Data Exchange (ETDEWEB)

    Western Research Institute

    2009-03-31

    Cooperative Agreement, DE-FC26-98FT40323, Jointly Sponsored Research (JSR) Program at Western Research Institute (WRI) began in 1998. Over the course of the Program, a total of seventy-seven tasks were proposed utilizing a total of $23,202,579 in USDOE funds. Against this funding, cosponsors committed $26,557,649 in private funds to produce a program valued at $49,760,228. The goal of the Jointly Sponsored Research Program was to develop or assist in the development of innovative technology solutions that will: (1) Increase the production of United States energy resources - coal, natural gas, oil, and renewable energy resources; (2) Enhance the competitiveness of United States energy technologies in international markets and assist in technology transfer; (3) Reduce the nation's dependence on foreign energy supplies and strengthen both the United States and regional economies; and (4) Minimize environmental impacts of energy production and utilization. Under the JSR Program, energy-related tasks emphasized enhanced oil recovery, heavy oil upgrading and characterization, coal beneficiation and upgrading, coal combustion systems development including oxy-combustion, emissions monitoring and abatement, coal gasification technologies including gas clean-up and conditioning, hydrogen and liquid fuels production, coal-bed methane recovery, and the development of technologies for the utilization of renewable energy resources. Environmental-related activities emphasized cleaning contaminated soils and waters, processing of oily wastes, mitigating acid mine drainage, and demonstrating uses for solid waste from clean coal technologies, and other advanced coal-based systems. Technology enhancement activities included resource characterization studies, development of improved methods, monitors and sensors. In general the goals of the tasks proposed were to enhance competitiveness of U.S. technology, increase production of domestic resources, and reduce environmental

  13. Human reliability data bank: feasibility study

    International Nuclear Information System (INIS)

    Comer, K.; Miller, D.P.; Donovan, M.

    1984-01-01

    The US Nuclear Regulatory Commission and Sandia National Laboratories have been developing a plan for a human reliability data bank since August 1981. This research is in response to the data needs of the nuclear power industry's probabilistic risk assessment community. The three phases of the program are to: (A) develop the data bank concept, (B) develop an implementation plan and conduct a feasibility study, and (C) assist a sponsor in implementing the data bank. The program is now in Phase B. This paper describes the methods used in the feasibility study. Decisions to be made in the future regarding full-scale implementation will be based, in part, on the outcome of this study. 3 references, 2 figures

  14. Concept development of the human reliability data bank

    International Nuclear Information System (INIS)

    Miller, D.P.

    1984-01-01

    The US Nuclear Regulatory Commission and Sandia National Laboratories initiated a three-phased research program in 1981 to develop a plan for a human reliability data bank. This research initiative was in response to the data needs of the nuclear power industry's probabilistic risk assessment community. The three phases are: (1) develop the data bank concept; (2) develop an implementation plan and conduct a feasibility test; and (3) assist the sponsor in implementing the data bank. This paper briefly describes some of the results of the work performed during Phase A and outlines the program elements schedules for Phase B

  15. 12 CFR 225.176 - How do the statutory cross marketing and sections 23A and B limitations apply to merchant banking...

    Science.gov (United States)

    2010-01-01

    ... investments? (a) Are cross marketing activities prohibited?—(1) In general. A depository institution, including a subsidiary of a depository institution, controlled by a financial holding company may not: (i...) of this section, a subsidiary of a depository institution does not include a financial subsidiary...

  16. 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.

  17. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

  18. 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.

  19. 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.

  20. 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.

  1. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

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

  2. List of Organizing Committees and Sponsors

    Science.gov (United States)

    2012-03-01

    Organizers DIRECTORS Maria L CalvoPresident of International Commission for Optics, Spain Aram V PapoyanDirector of Institute for Physical Research of NAS, Armenia HEADS OF PROJECT Tigran Dadalyan YSU, Armenia Artsrun MartirosyanIPR, Armenia COORDINATOR Narine GevorgyanIPR, Armenia / ICTP, Italy MANAGERS Paytsar MantashyanIPR, Armenia Karen VardanyanIPR, Armenia INTERNATIONAL ADVISORY COMMITTEE Marcis AuzinshLatvia Roland AvagyanArmenia Tapash ChakrabortyCanada Yuri ChilingaryanArmenia Eduard KazaryanArmenia Albert KirakosyanArmenia Radik KostanyanArmenia Avinash PandeyIndia Marat SoskinUkraine INTERNATIONAL PROGRAM COMMITTEE David Sarkisyan (Chair)Armenia Roman AlaverdyanArmenia Dan ApostolRomania Levon AslanyanArmenia Aranya BhattacherjeeIndia Gagik BuniatyanArmenia Vigen ChaltykyanArmenia Roldao Da RochaBrazil Miltcho DanailovItaly Vladimir GerdtRussia Samvel GevorgyanArmenia Gayane GrigoryanArmenia Rafik HakobyanArmenia Takayuki MiyaderaJapan Levon MouradianArmenia Atom MuradyanArmenia Simon RochesterUSA Hayk SarkisyanArmenia Aleksandr VardanyanArmenia LOCAL ORGANIZING COMMITTEE Narek AghekyanArmenia Anahit GogyanArmenia Melanya GrigoryanArmenia Armen HovhannisyanArmenia Lilit HovhannisyanArmenia Tatevik KhachatryanArmenia Astghik KuzanyanArmenia Satenik KuzanyanArmenia Vladimir LazarevRussia Lilit MantashyanArmenia Hripsime MkrtchyanArmenia Pavel MuzhikyanArmenia Wahi NarsisianArmenia Sahak OrdukhanyanArmenia Anna ReymersArmenia Narine TorosyanArmenia The Symposium was organized by YSU & NAS SPIE Armenian Student Chapter Institute for Physical Research (IPR) of National Academy of Sciences (NAS) Russian-Armenian (Slavonic) University (RAU) LT-PYRKAL cjsc Yerevan State University (YSU) Official Sponsors of the Symposium LT-PYRKAlRussian ArmenianSPIE LT-PYRKAL cjscRussian-Armenian UniversityYSU & NAS SPIE Student Chapter Further sponsors NFSATICTPSCSADevout Generation National Foundation of Science and Advanced TechnologiesThe Abdus Salam International Centre

  3. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

  4. 31 CFR 500.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 500.314 Section 500.314 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  5. 31 CFR 515.314 - Banking institution.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Banking institution. 515.314 Section 515.314 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  6. 40 CFR 91.1305 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.1305 Section 91.1305 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) CONTROL OF EMISSIONS FROM MARINE SPARK-IGNITION ENGINES In-Use Credit Program for New Marine Engines § 91.1305 Banking...

  7. 40 CFR 73.36 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Banking. 73.36 Section 73.36... ALLOWANCE SYSTEM Allowance Tracking System § 73.36 Banking. (a) Compliance accounts. Any allowance in a compliance account not deducted pursuant to § 73.35 will remain in the compliance account. (b) General...

  8. 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

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

    African Journals Online (AJOL)

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

  10. Coping with change: a challenge for sponsors.

    Science.gov (United States)

    McGuire, T P; McGowan, K

    1987-04-01

    In the past 25 years a trend away from lifetime commitment in religious institutes, a rising number of retired religious,, and the Second Vatican Council's call for greater lay involvement in all aspects of ministry have led to many changes in Catholic-sponsored health care facilities. The development process of religious institutes parallels that of individuals as they mature from infancy to late adulthood. After Vatican II, religious institutes underwent an "intimacy versus isolation" stage similar to that experienced by people in their twenties, in which interpersonal relationships became more important. Now institutes are in a stage of "ego integrity versus despair," where they must consider changes--closing facilities, mergers, affiliations,, or divestiture of sponsorship--and how they can keep their mission alive afterward. Religious leaders must be energetic in creating programs that allow laypersons who share the institute's mission, charism, and philosophy to carry out its ministry. But in the midst of these changes, religious members also will experience grief at the loss of their sponsorship or control over their facility. They pass through the same stages people experience after the death of a loved one: denial, anger, bargaining, depression, and acceptance. Only by confronting and accepting their grief can institute members go on to either new ministries or reaffirmed commitment to their current work.

  11. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    OpenAIRE

    Ross Levine

    2003-01-01

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

  12. Team sponsors in community-based health leadership programs.

    Science.gov (United States)

    Patterson, Tracy Enright; Dinkin, Donna R; Champion, Heather

    2017-05-02

    Purpose The purpose of this article is to share the lessons learned about the role of team sponsors in action-learning teams as part of community-based health leadership development programs. Design/methodology/approach This case study uses program survey results from fellow participants, action learning coaches and team sponsors to understand the value of sponsors to the teams, the roles they most often filled and the challenges they faced as team sponsors. Findings The extent to which the sponsors were perceived as having contributed to the work of the action learning teams varied greatly from team to team. Most sponsors agreed that they were well informed about their role. The roles sponsors most frequently played were to provide the teams with input and support, serve as a liaison to the community and serve as a sounding board, motivator and cheerleader. The most common challenges or barriers team sponsors faced in this role were keeping engaged in the process, adjusting to the role and feeling disconnected from the program. Practical implications This work provides insights for program developers and community foundations who are interested in building the capacity for health leadership by linking community sponsors with emerging leaders engaged in an action learning experience. Originality/value This work begins to fill a gap in the literature. The role of team sponsors has been studied for single organization work teams but there is a void of understanding about the role of sponsors with multi-organizational teams working to improve health while also learning about leadership.

  13. 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

  14. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  15. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  16. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  17. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  18. 12 CFR 223.54 - What advertisements and statements are prohibited by section 23B?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What advertisements and statements are prohibited by section 23B? 223.54 Section 223.54 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W) General Provisions of Section 23B §...

  19. 21 CFR 864.9050 - Blood bank supplies.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 8 2010-04-01 2010-04-01 false Blood bank supplies. 864.9050 Section 864.9050 Food and Drugs FOOD AND DRUG ADMINISTRATION, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED... and Blood Products § 864.9050 Blood bank supplies. (a) Identification. Blood bank supplies are general...

  20. 12 CFR 989.4 - Requirement for voluntary bank disclosure.

    Science.gov (United States)

    2010-01-01

    ....4 Section 989.4 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE FINANCIAL... form and content with the financial statements presented in the combined Bank System annual or quarterly financial reports prepared and issued by the Office of Finance . [63 FR 39704, July 24, 1998...

  1. 25 CFR 502.11 - House banking game.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 2 2010-04-01 2010-04-01 false House banking game. 502.11 Section 502.11 Indians... CHAPTER § 502.11 House banking game. House banking game means any game of chance that is played with the house as a participant in the game, where the house takes on all players, collects from all losers, and...

  2. Determinants of Commercial banks' interest rate spreads in Botswana

    African Journals Online (AJOL)

    The paper investigated the determinants of commercial banks' interest rate spreads in Botswana using time series cross-sectional analysis for the period of 2004Q1 to 2014Q4. Factors empirically tested are bank-specific, industry-specific and macroeconomic data. Results indicate that bank intermediation, GDP, inflation ...

  3. 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.

  4. Tissue banking, biovigilance and the notify library.

    Science.gov (United States)

    Strong, D Michael

    2017-06-30

    This issue is dedicated to the contributions of Professor Glyn O. Phillips to the field of tissue banking and the advancement of science in general. The use of ionizing radiation to sterilize medical products drew the interest of the International Atomic Energy Agency (IAEA). A meeting in 1976 in Athens Greece to present work on the effects of sterilizing radiation doses upon the antigenic properties of proteins and biologic tissues was my first introduction of Professor Phillips and the role that he was to play in Tissue Banking (Friedlaender, in Phillips GO, Tallentine AN (eds) Radiation sterilization. Irradiated tissues and their potential clinical use. The North E. Wales Institute, Clwyd, p 128, 1978). The IAEA sponsored subsequent meetings in the Republic of Korea, Czechoslovakia and Rangoon, the later including a visit to the tissue bank by Professor Phillips. His advocacy resulted in multiple workshops and teaching opportunities in a variety of countries, one of which led to the establishment of the Asia Pacific Surgical Tissue Banking Association in 1989 (Phillips and Strong, in Phillips GO, Strong DM, von Versen R, Nather A (eds) Advances in tissue banking, vol 3. World Scientific, Singapore, pp 403-417, 1999).

  5. 42 CFR 423.401 - General requirements for PDP sponsors.

    Science.gov (United States)

    2010-10-01

    ... sponsor is organized and licensed under State law as a risk bearing entity eligible to offer health insurance or health benefits coverage in each State in which it offers a prescription drug plan. If not... with State Law and Preemption by Federal Law § 423.401 General requirements for PDP sponsors. (a...

  6. Blauwe ogen schieten tekort. Lessen voor sponsoring van landschap

    NARCIS (Netherlands)

    Overbeek, M.M.M.; Graaff, de R.P.M.

    2010-01-01

    Literatuuronderzoek en gesprekken met (ervarings)deskundigen en vertegenwoordigers van bedrijven in Amstelland en in Het Groene Woud over het proces en de voorwaarden van bedrijven om sponsoring van landschap te realiseren. Sponsoring gebeurt meestal in het kader van mvo, waarbij bedrijven de

  7. Sponsors of Nebraska Indochinese Refugees: Meeting the Challenges.

    Science.gov (United States)

    Meredith, William H.; Cramer, Sheran L.

    This report summarizes the response of 80 sponsors of Indochinese refugees in Nebraska to a survey designed to explore their sponsorship experience. Problem solving areas for sponsors and refugees are named as: acculturation, emotional adjustments, communication, health, housing, transportation, employment, and legal, financial and consumer…

  8. 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...

  9. 12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

    Science.gov (United States)

    2010-01-01

    ..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...

  10. 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.

  11. Does company-sponsored egg freezing promote or confine women's reproductive autonomy?

    Science.gov (United States)

    Mertes, Heidi

    2015-08-01

    A critical ethical analysis of the initiative of several companies to cover the costs of oocyte cryopreservation for their healthy employees. The main research question is whether such policies promote or confine women's reproductive autonomy. A distinction needs to be made between the ethics of AGE banking in itself and the ethics of employers offering it to their employees. Although the utility of the former is expected to be low, there are few persuasive arguments to deny access to oocyte cryopreservation to women who are well informed about the procedure and the success rates. However, it does not automatically follow that it would be ethically unproblematic for employers to offer egg banking to their employees. For these policies to be truly 'liberating', a substantial number of conditions need to be fulfilled, which can be reduced to three categories: (1) women should understand the benefits, risks and limitations, (2) women should feel no pressure to take up the offer; (3) the offer should have no negative effect on other family-friendly policies and should in fact be accompanied by such policies. Fulfilling these conditions may turn out to be impossible. Thus, regardless of companies' possible good intentions, women's reproductive autonomy is not well served by offering them company-sponsored AGE banking.

  12. 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...

  13. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  14. Customer perceptions on Internet banking information protection

    Directory of Open Access Journals (Sweden)

    André Redlinghuis

    2010-12-01

    Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’ Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT. Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are key focus areas financial institutions should continuously invest in. Information should be easily retrievable and communicated in a manner that makes sense to the diverse customer base, especially within South Africa with its diverse cultures and languages. Conclusion: The final conclusion that could be reached is that Internet banking products and services will continue to grow across various divides and platforms as the Internet costs decrease in future, the growth of Internet related products and services such as Internet banking will increase.

  15. Bank, Banking System, Macroprudential Supervision, Stability of Banking System

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

    Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid

  16. 12 CFR 250.200 - Investment in bank premises by holding company banks.

    Science.gov (United States)

    2010-01-01

    ... of the Federal Reserve System, shall (1) invest in bank premises, or in the stock, bonds, debentures... determining under section 24A of the Federal Reserve Act (12 U.S.C. 371d) how much may be invested in bank... or upon the security of the stock of any such corporation, if the aggregate of all such investments...

  17. 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.

  18. 'Too far ahead of its time': Britain, Burroughs and real-time banking in the 1960s

    OpenAIRE

    Martin, Ian

    2010-01-01

    In 1969, the popular British television programme, Tomorrow's World, featured an item that predicted point of sale terminals in every high street shop ushering in the country's computerised cashless economy. The basis for the show's prediction was a succession of ambitious projects initiated by the British banks, each with the aim of introducing a new real-time computer banking system to its network of branches by 15 February 1971. The banks, threatened by state-sponsored competition, inspire...

  19. 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.

  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. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

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

  2. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

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

    2017-01-01

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

  3. The relationship between absenteeism and employer-sponsored ...

    African Journals Online (AJOL)

    Establishing on- site employer-sponsored child-care facilities is an example of such ..... The sample size and characteristics of each of the groups are presented in Table 1. Table 1: ...... 'A qualitative and quantitative review of antecedents.

  4. 7 CFR 226.16 - Sponsoring organization provisions.

    Science.gov (United States)

    2010-01-01

    ... comparison, reviewers must determine whether the meal counts were accurate. If there is a discrepancy between...) Program payments. The sponsoring organization must continue to pay any claims for reimbursement for...

  5. An industry-sponsored, school-focused model for continuing ...

    African Journals Online (AJOL)

    An industry-sponsored, school-focused model for continuing professional ... HEIs and Departments of Education (DoE), could change the traditional concept that CPTD is the responsibility of DoEs into a new model where the business

  6. 12 CFR 1229.2 - Determination of a Bank's capital classification.

    Science.gov (United States)

    2010-01-01

    ... classification. 1229.2 Section 1229.2 Banks and Banking FEDERAL HOUSING FINANCE AGENCY ENTITY REGULATIONS CAPITAL CLASSIFICATIONS AND PROMPT CORRECTIVE ACTION Federal Home Loan Banks § 1229.2 Determination of a Bank's capital classification. (a) Quarterly determination. The Director shall determine the capital classification for each...

  7. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals... governing housing goals for the Federal Home Loan Banks (Banks) to make those requirements consistent with... Section 1205 of the Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank...

  8. 31 CFR 103.188 - Special measures against Commercial Bank of Syria.

    Science.gov (United States)

    2010-07-01

    ... Programs Law Enforcement Access to Foreign Bank Records § 103.188 Special measures against Commercial Bank of Syria. (a) Definitions. For purposes of this section: (1) Commercial Bank of Syria means any branch, office, or subsidiary of Commercial Bank of Syria operating in Syria or in any other jurisdiction...

  9. 12 CFR 218.741 - Exemption for banks effecting transactions in money market funds.

    Science.gov (United States)

    2010-01-01

    ... money market funds. 218.741 Section 218.741 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS... EXCHANGE ACT OF 1934 (REGULATION R) § 218.741 Exemption for banks effecting transactions in money market... issued by a money market fund, provided that: (1) The bank either (i) Provides the customer, directly or...

  10. 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....

  11. 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...

  12. 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...

  13. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  14. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  15. 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...

  16. 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...

  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. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

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

  19. 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.

  20. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  1. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

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

  2. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  3. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  4. 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

  5. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

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

  6. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  7. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  8. 26 CFR 301.6332-3 - The 21-day holding period applicable to property held by banks.

    Science.gov (United States)

    2010-04-01

    ... property held by banks. 301.6332-3 Section 301.6332-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT... set forth in this section, to a levy on property held by banks. (b) Definition of bank. For purposes... customer. (3) Transactions affecting accounts. A levy on deposits held by a bank applies to those funds on...

  9. 12 CFR 7.5001 - Electronic activities that are part of, or incidental to, the business of banking.

    Science.gov (United States)

    2010-01-01

    ... light of risks presented, innovations, strategies, techniques and new technologies for producing and... incidental to, the business of banking. 7.5001 Section 7.5001 Banks and Banking COMPTROLLER OF THE CURRENCY... activities that are part of, or incidental to, the business of banking. (a) Purpose. This section identifies...

  10. 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

  11. 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.

  12. 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.

  13. Army Corps of Engineers: Better Guidance Could Improve Corps’ Information on Water Resources Projects Undertaken by Nonfederal Sponsors

    Science.gov (United States)

    2016-12-01

    2Section 2003(b) of the Water Resources Development Act (WRDA) of 2007 amended the definition of a nonfederal interest to include federally...commerce and tourism from deeper-draft ships having the ability to enter ports that have been deepened, according to one nonfederal sponsor.26 In 2013

  14. Impact of E-Banking on Traditional Banking Services

    OpenAIRE

    Vyas, Shilpan Dineshkumar

    2012-01-01

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

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

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

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

  16. 12 CFR 987.5 - Obligations of the Banks and the Office of Finance; no Adverse Claims.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Obligations of the Banks and the Office of Finance; no Adverse Claims. 987.5 Section 987.5 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.5 Obligations of the Banks and the Office of Finance; no Adverse Claims. (a) Except...

  17. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

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

  18. 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...

  19. [Criminal implication of sponsoring in medicine: legal ramifactions and recommendations].

    Science.gov (United States)

    Mahnken, A H; Theilmann, M; Bolenz, M; Günther, R W

    2005-08-01

    As a consequence of the so-called "Heart-Valve-Affair" in 1994, the German public became aware of the potential criminal significance of industrial sponsoring and third-party financial support in medicine. Since 1997, when the German Anti-Corruption Law came into effect, the penal regulations regarding bribery and benefits for public officers were tightened. Due to the lack of explicit and generally accepted guidelines in combination with regional differences of jurisdiction, there is a lingering uncertainty regarding the criminal aspects of third-party funding and industrial sponsoring. The aim of this review is to summarize the penal and professional implications of third-party funding and sponsoring in medicine including recent aspects of jurisdiction. The currently available recommendations on this issue are introduced.

  20. Criminal implication of sponsoring in medicine: legal ramifactions and recommendations

    International Nuclear Information System (INIS)

    Mahnken, A.H.; Guenther, R.W.; Theilmann, M.; Bolenz, M.

    2005-01-01

    As a consequence of the so-called ''Heart-Valve-Affair'' in 1994, the German public became aware of the potential criminal significance of industrial sponsoring and third-party financial support in medicine. Since 1997, when the German Anti-Corruption Law came into effect, the penal regulations regarding bribery and benefits for public officers were tightened. Due to the lack of explicit and generally accepted guidelines in combination with regional differences of jurisdiction, there is a lingering uncertainty regarding the criminal aspects of third-party funding and industrial sponsoring. The aim of this review is to summarize the penal and professional implications of third-party funding and sponsoring in medicine including recent aspects of jurisdiction. The currently available recommendations on this issue are introduced. (orig.)

  1. 7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Concurrent Bank and RUS cost-of-money loans. 1610.6..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.6 Concurrent Bank and RUS cost-of-money loans. (a) The Bank makes loans, under section 408 of the Act, concurrently with RUS cost-of-money loans made under section...

  2. 40 CFR 86.1817-08 - Complete heavy-duty vehicle averaging, trading, and banking program.

    Science.gov (United States)

    2010-07-01

    ..., trading, and banking program. 86.1817-08 Section 86.1817-08 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. Section 86.1817-08 includes text that.... (1) Manufacturers of Otto-cycle vehicles may participate in an NMHC averaging, banking and trading...

  3. 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.

  4. 12 CFR 218.781 - Exemption from the definition of “broker” for banks for a limited period of time.

    Science.gov (United States)

    2010-01-01

    ...” for banks for a limited period of time. A bank is exempt from the definition of the term “broker... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Exemption from the definition of âbrokerâ for banks for a limited period of time. 218.781 Section 218.781 Banks and Banking FEDERAL RESERVE SYSTEM...

  5. Sponsorship investments: do they deliver brand awareness for all sponsors?

    Directory of Open Access Journals (Sweden)

    Mpolokeng Sephapo Catherine

    2017-03-01

    Full Text Available Sponsorship as a marketing communications tool is well adopted in South Africa across various areas such as sports and entertainment. Although world markets have experienced economic turmoil in the last few years, the sponsorship market may be considered to be thriving as companies use this marketing communication tool as a vehicle to create and maintain relationships. The purpose of this study was to explore which sponsors of the South African National Rugby team are sports consumers aware of as a result of the sponsorship. Literature states that awareness also influences the judgments about brands in the consideration set, even without any brand associations in the consumer’s mind. In low involvement decision; where consumers do not need to search extensively for information in order to make a decision; minimal brand awareness levels may be enough to convince the consumer to make their final choice. The study is exploratory in nature however provides a South African perspective on how effective the sponsorship of the Springbok is with regards to creating awareness of the sponsors among sports consumers. The study made use of a qualitative approach whereby primary data was collected by means of focus groups and naïve sketches. Data collected was analyzed by means of content analysis. The findings suggest that participants were predominantly aware of the key sponsors of the Springboks; these were sponsors who had their branding on the Springbok jersey worn during rugby matches. The factors that participants mentioned to contribute to their awareness of the sponsors were the branding on the Springbok playing jersey as well as television adverts along with other promotional tools. This study urges sponsors to not only rely on the sponsorship initiative to create awareness but rather leverage the sponsorship with tools that are relevant to their target audience. This study contributes to sponsorship literature relating to the effectiveness of

  6. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  7. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  8. 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.

  9. 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.

  10. Digital Banking 2025

    OpenAIRE

    Gasser, Urs; Gassmann, Oliver; Hens, Thorsten; Leifer, Larry; Puschmann, Thomas; Zhao, Leon

    2017-01-01

    As time-to-market for digital banking products becomes shorter and shorter, thousands of Financial Technology (FinTech) startups and other non-banks are rising to the occasion by developing new products, services, and business models for all areas of banking in payments,investments, and financing along the entire value chain, touching all areas from front to back office, as client adoption of these new services accelerates. The lighting Company Osram, for example, recently had to reduce its w...

  11. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  12. 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...

  13. 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...

  14. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks’ aggregate fee income rose slightly in the banks’ 2011 financial years, but that growth in fee income was less than that in banks’ total assets. Fee income from households declined while fee income from businesses grew, largely as a result of increases in fees on business loans and bank bills.

  15. 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...

  16. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  17. 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...

  18. 12 CFR 250.143 - Member bank purchase of stock of foreign operations subsidiaries.

    Science.gov (United States)

    2010-01-01

    ... sections taken together already give member banks a great deal of organizational flexibility in conducting... engaged in activities that the bank itself could perform directly as an alternative organizational...

  19. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  20. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fe...

  1. Maintenance proficiency evaluation test bank

    International Nuclear Information System (INIS)

    Maier, Loran

    2003-01-01

    The Maintenance Proficiency Evaluation Test Bank (MPETB) is an Electric Power Research Institute- (EPRJ-) operated, utility-sponsored means of developing, maintaining, and disseminating secure, high-quality written and performance maintenance proficiency tests. EPRTs charter is to ensure that all tests and test items that go into the Test Bank have been validated, screened for reliability, and evaluated to high standards of psychometric excellence. Proficiency tests of maintenance personnel.(mechanics, electricians, and instrumentation and control [I and C] technicians) are most often used to determine if an experienced employee is capable of performing maintenance tasks without further training. Such tests provide objective evidence for decisions to exempt an employee from what, for the employee, is unnecessary training. This leads to considerable savings in training costs and increased productivity because supervisors can assign personnel to tasks at which their competence is proven. The ultimate objective of proficiency evaluation is to ensure that qualified maintenance personnel are available to meet the maintenance requirements of the plant Numerous task-specific MPE tests (both written and performance) have been developed and validated using the EPRI MPE methodology by the utilities participating in the MPETB project A task-specific MPE consists of a multiple-choice written examination and a multi-step performance evaluation that can be used to assess an individual's present knowledge and skill level for a given maintenance task. The MPETB contains MPEs and test items for the mechanical, electrical, and I and C classifications that are readily available to participating utilities. Presently, utilities are placing emphasis on developing MPEs to evaluate outage-related maintenance tasks that demonstrate the competency and qualifications of plant and contractor personnel before the start of outage work. Utilities are also using the MPE methodology and process to

  2. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  3. Process evaluation of the human reliability data bank

    International Nuclear Information System (INIS)

    Miller, D.P.; Comer, K.

    1985-01-01

    The US Nuclear Regulatory Commission and Sandia National Laboratories have been developing a plan for a human reliability data bank since August 1981. This research is in response to the data need of the nuclear power industry's probabilistic risk assessment community. The three phases of the program are to: (a) develop the data bank concept, (b) develop an implementation plan and conduct a process evaluation, and (c) assist a sponsor in implementing the data bank. The program is now in Phase B. This paper describes the methods used and the results of the process evaluation. Decisions to be made in the future regarding full-scale implementation will be based, in part, on the outcome of this study

  4. Process evaluation of the human reliability data bank

    International Nuclear Information System (INIS)

    Miller, D.P.; Comer, K.

    1984-01-01

    The US Nuclear Regulatory Commission and Sandia National Laboratories have been developing a plan for a human reliability data bank since August 1981. This research is in response to the data needs of the nuclear power industry's probabilistic risk assessment community. The three phases of the program are to: (A) develop the data bank concept, (B) develop an implementation plan and conduct a process evaluation, and (C) assist a sponsor in implementing the data bank. The program is now in Phase B. This paper describes the methods used and the results of the process evaluation. Decisions to be made in the future regarding full-scale implementation will be based in part on the outcome of this study

  5. 14 CFR 151.51 - Performance of construction work: Sponsor force account.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Performance of construction work: Sponsor... Development Projects § 151.51 Performance of construction work: Sponsor force account. (a) Before undertaking any force account construction work, the sponsor (or any public agency acting as agent for the sponsor...

  6. Exclusion of pregnant women from industry-sponsored clinical trials.

    Science.gov (United States)

    Shields, Kristine E; Lyerly, Anne Drapkin

    2013-11-01

    The lack of human data available to inform evidence-based treatment for illness during pregnancy has led to calls for greater inclusion of pregnant women in research, but the extent of their current representation is poorly characterized. Our objective was to measure the current exclusion of pregnant women from industry-sponsored clinical trials as a baseline for future comparison. We compiled data from studies enrolling women of childbearing potential posted on www.ClinicalTrials.gov between 1 October 2011 and 31 January 2012. The review was limited to open United States-based phase IV interventional studies sponsored by the pharmaceutical industry evaluating treatment of conditions that may be experienced by but are not limited to pregnant women and did not involve a medication classified as potentially teratogenic. If there was no mention of pregnancy in the inclusion or exclusion criteria, we contacted a study representative to confirm that pregnant women could be enrolled. Of 558 qualifying industry-sponsored studies, five (1%) were designed specifically for pregnant women. Of 367 phase IV clinical trials with verified inclusion and exclusion criteria, 348 (95%) excluded pregnant women and 19 (5%) did not. We found the exclusion of pregnant women from industry-sponsored clinical trials to be common practice. Moving beyond reflexive exclusion and developing thoughtful criteria for inclusion of pregnant women in clinical research would likely advance the evidence base to inform treatment decisions during pregnancy and lead to better health outcomes for women and children.

  7. A Commentary on Literacy Narratives as Sponsors of Literacy

    Science.gov (United States)

    Brandt, Deborah

    2015-01-01

    This brief commentary first clarifies Brandt's concept of sponsors of literacy in light of the way the concept has been taken up in writing studies. Then it treats Brandt's methods for handling accounts of literacy learning in comparison with other ways of analyzing biographical material. Finally it takes up Lawrence's argument about literacy…

  8. Highlight: IDRC sponsors Caribbean symposium on impact of ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    12 mai 2015 ... An IDRC-sponsored symposium exploring the impact of the Internet on economic ... Le symposium commandité par le CRDI, qui a eu lieu à Saint Andrew, ... Une nouvelle recherche fait état d'arguments convaincants pour ...

  9. Undergraduates with Employer-Sponsored Aid: Comparing Group Differences

    Science.gov (United States)

    Faulk, Dagney G.; Wang, Zhenlei

    2014-01-01

    Tuition assistance offered by employers is an understudied area of financial aid research. The purpose of this study is to compare the demographic, socioeconomic, academic and financial aid characteristics of college students who receive employer-sponsored financial aid with students who receive traditional financial aid (institutional, state, or…

  10. 14 CFR 152.309 - Availability of sponsor's records.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.309 Availability of... the purposes of accounting and audit. (b) The sponsor or planning agency shall allow appropriate FAA...-term retention value, the FAA may require transfer of custody of those records to the FAA. ...

  11. 76 FR 2807 - New Animal Drugs; Change of Sponsor

    Science.gov (United States)

    2011-01-18

    .... FDA-2010-N-0002] New Animal Drugs; Change of Sponsor AGENCY: Food and Drug Administration, HHS. ACTION: Final rule. SUMMARY: The Food and Drug Administration (FDA) is amending the animal drug regulations to...., Cambridge, MA 02141 has informed FDA that it has transferred ownership of, and all rights and interest in...

  12. Risk sharing between competing health plans and sponsors

    NARCIS (Netherlands)

    E.M. van Barneveld (Erik); W.P.M.M. van de Ven (Wynand); R.C.J.A. van Vliet (René)

    2001-01-01

    textabstractIn many countries, competing health plans receive capitation payments from a sponsor, whether government or a private employer. All capitation payment methods are far from perfect and have raised concerns about risk selection. Paying health plans partly on the basis

  13. 7 CFR 225.14 - Requirements for sponsor participation.

    Science.gov (United States)

    2010-01-01

    ... 225.14 Agriculture Regulations of the Department of Agriculture (Continued) FOOD AND NUTRITION SERVICE, DEPARTMENT OF AGRICULTURE CHILD NUTRITION PROGRAMS SUMMER FOOD SERVICE PROGRAM Sponsor and Site Provisions... Youth Sports Program; and (5) Private nonprofit organizations as defined in § 225.2. (c) General...

  14. Recycling: Establishing a Citizen-Sponsored Reclamation Center.

    Science.gov (United States)

    Keep America Beautiful, Inc., New York, NY.

    This booklet applies the Clean Community System (CCS) of Keep America Beautiful, Inc. to the development of citizen-sponsored recycling projects. Six initial steps in establishing a reclamation center are given and include information gathering, market analysis, legal requirements, and site location. Suggestions are included for recruiting staff…

  15. Consumer Perceptions of Sponsors of Disease Awareness Advertising

    Science.gov (United States)

    Hall, Danika V.; Jones, Sandra C.; Iverson, Donald C.

    2011-01-01

    Purpose: In many countries there is emerging concern regarding alliances between the pharmaceutical industry and health non-profit organizations (NPOs), and the increase of co-sponsored marketing activities such as disease awareness advertising. The current study aims to explore Australian women's perceptions of disease awareness advertising with…

  16. School-Sponsored Health Insurance: Planning for a New Reality

    Science.gov (United States)

    Liang, Bryan A.

    2010-01-01

    Health care reform efforts in both the Clinton and Obama administrations have attempted to address college and university health. Yet, although the world of health care delivery has almost universally evolved to managed care, school health programs have not. In general, school-sponsored health plans do little to improve access and have adopted…

  17. 76 FR 48714 - New Animal Drugs; Change of Sponsor; Moxidectin

    Science.gov (United States)

    2011-08-09

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration 21 CFR Parts 520, 522, and 524 [Docket No. FDA-2011-N-0003] New Animal Drugs; Change of Sponsor; Moxidectin AGENCY: Food and Drug Administration, HHS. ACTION: Final rule. SUMMARY: The Food and Drug Administration (FDA) is amending the animal...

  18. Media exposure and sponsor recall: Cricket World Cup 2003 | Van ...

    African Journals Online (AJOL)

    This paper reports on a study into the relationship between media exposure and sponsor recall relating to an international event, namely the Cricket World Cup 2003 (CWC 2003). The application of sponsorship as a communication construct and recall as a media vehicle effect is investigated. Recall has been widely ...

  19. The Determinants of Capital Structure: Some Evidence from Banks

    OpenAIRE

    Heider, Florian; Gropp, Reint

    2008-01-01

    This paper documents that standard cross-sectional determinants of firm leverage also apply to the capital structure of large banks in the United States and Europe. We find a remarkable consistency in sign, significance and economic magnitude. Like non-financial firms, banks appear to have stable capital structures at levels that are specific to each individual bank. The results suggest that capital requirements may only be of second-order importance for banks’ capital structures and confirm ...

  20. Management of data banks at Westinghouse Savannah River Company

    International Nuclear Information System (INIS)

    Baughman, D.F.

    1992-01-01

    The Risk Assessment Methodology Group (RAM) of the Nuclear Processes Safety Research Section (NPSR) maintains the compilation of incidents that have occurred at the Savannah River Site. The data banks have gained national recognition for their value in risk-related studies. The information provided by these data banks is widely used at SRS and across the DOE Complex. This report discusses these data banks

  1. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  2. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

  4. 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

  5. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

    One in a series of consumer education materials for teenagers, this document focuses on banking and banking services. The series is based on the philosophy that teens need the training and guidance to develop the skills needed to become competent consumers. Developed for 4-H Club members, the material is designed to acquaint students with the…

  6. 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

  7. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  8. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  9. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  10. Transparency of Banking Supervisors

    NARCIS (Netherlands)

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

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

  11. 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

  12. 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

  13. 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

  14. 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

  15. The competitive challenge in banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Schmeits, A.

    2005-01-01

    The increasingly competitive environment poses challenges to bankers. This paper emphasizes relationship banking as a prime source of the banks' comparative advantage. The proliferation of transaction-oriented banking (trading and financial market activities) does however seriously challenge

  16. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  17. 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.

  18. 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

  19. 12 CFR 225.111 - Limit on investment by bank holding company system in stock of small business investment companies.

    Science.gov (United States)

    2010-01-01

    .... L. 90-104, 81 Stat. 268, 270), a national bank may invest in stock of small business investment... system in stock of small business investment companies. 225.111 Section 225.111 Banks and Banking FEDERAL... Limit on investment by bank holding company system in stock of small business investment companies. (a...

  20. 12 CFR 215.9 - Disclosure of credit from member banks to executive officers and principal shareholders.

    Science.gov (United States)

    2010-01-01

    ... individual for the purposes of determining principal shareholder status. (2) Related interest means: (i) Any... executive officers and principal shareholders. 215.9 Section 215.9 Banks and Banking FEDERAL RESERVE SYSTEM... SHAREHOLDERS OF MEMBER BANKS (REGULATION O) § 215.9 Disclosure of credit from member banks to executive...

  1. 26 CFR 1.592-1 - Repayment of certain loans by mutual savings banks, building and loan associations, and...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...

  2. 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...

  3. 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...

  4. 45 CFR 60.1 - The National Practitioner Data Bank.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false The National Practitioner Data Bank. 60.1 Section 60.1 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION NATIONAL PRACTITIONER DATA BANK FOR ADVERSE INFORMATION ON PHYSICIANS AND OTHER HEALTH CARE PRACTITIONERS General...

  5. The Effects of Relationship Banking and Entrepreneurial Orientation ...

    African Journals Online (AJOL)

    The purpose of the study was to determine if relationship banking, and entrepreneurial orientation (EO) affect the financial performance of manufacturing firms in Kenya. The study adopted a cross-sectional research design with the population being 620 manufacturing SMEs involved in relationship banking with commercial ...

  6. 12 CFR 362.4 - Subsidiaries of insured State banks.

    Science.gov (United States)

    2010-01-01

    ... ensure adequate computer, audit and accounting systems, internal risk management controls, and has... Section 362.4 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF... risk to the Deposit Insurance Fund. Applications for consent should be filed in accordance with § 303...

  7. 31 CFR 321.25 - Role of Federal Reserve Banks.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Role of Federal Reserve Banks. 321.25 Section 321.25 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL.... Federal Reserve Bank of Kansas City, 925 Grand Avenue, Kansas City, MO 64198 Dallas, San Francisco, Kansas...

  8. 26 CFR 301.7701-14 - Cooperative bank.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Cooperative bank. 301.7701-14 Section 301.7701... ADMINISTRATION PROCEDURE AND ADMINISTRATION Definitions § 301.7701-14 Cooperative bank. For taxable years beginning after October 16, 1962, the term “cooperative bank” means an institution without capital stock...

  9. 16 CFR 802.53 - Certain foreign banking transactions.

    Science.gov (United States)

    2010-01-01

    ... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Certain foreign banking transactions. 802.53 Section 802.53 Commercial Practices FEDERAL TRADE COMMISSION RULES, REGULATIONS, STATEMENTS AND... foreign banking transactions. An acquisition which requires the consent or approval of the Board of...

  10. CANADA – SUPPLIER, TAX AND BANK INFORMATION FORM

    International Development Research Centre (IDRC) Digital Library (Canada)

    Hakan Mustafa

    HST Number. RT. OR □ Not Registered for GST/HST. Section 4: DIRECT DEPOSIT INFORMATION. Name of Bank Account Holder. Please attach a VOID cheque or alternatively provide a letter of confirmation from your bank. Email (for payment ...

  11. Fundamental Principles of Stem Cell Banking.

    Science.gov (United States)

    Sun, Changbin; Yue, Jianhui; He, Na; Liu, Yaqiong; Zhang, Xi; Zhang, Yong

    2016-01-01

    Stem cells are highly promising resources for application in cell therapy, regenerative medicine, drug discovery, toxicology and developmental biology research. Stem cell banks have been increasingly established all over the world in order to preserve their cellular characteristics, prevent contamination and deterioration, and facilitate their effective use in basic and translational research, as well as current and future clinical application. Standardization and quality control during banking procedures are essential to allow researchers from different labs to compare their results and to develop safe and effective new therapies. Furthermore, many stem cells come from once-in-a-life time tissues. Cord blood for example, thrown away in the past, can be used to treat many diseases such as blood cancers nowadays. Meanwhile, these cells stored and often banked for long periods can be immediately available for treatment when needed and early treatment can minimize disease progression. This paper provides an overview of the fundamental principles of stem cell banking, including: (i) a general introduction of the construction and architecture commonly used for stem cell banks; (ii) a detailed section on current quality management practices; (iii) a summary of questions we should consider for long-term storage, such as how long stem cells can be stored stably, how to prevent contamination during long term storage, etc.; (iv) the prospects for stem cell banking.

  12. Tissue banking in Asia Pacific region: past, present and future.

    Science.gov (United States)

    Nather, Aziz; Mandy, Foong Shi Yun; Ning, Tan; Kaiying, Wang

    2018-04-25

    Tissue banking in the Asia Pacific regions is driven by two main forces-firstly the International Atomic Energy Agency (IAEA) via Regional Co-operative Agreement projects and secondly by the Asia Pacific Association of Surgical Tissue Banking (APASTB). This overview is written in three sections: (1) History of tissue banking in individual country in the region. (2) History of APASTB. (3) History of IAEA programme in Asia Pacific region. The current status and future of the tissue banking programme in the region will be discussed.

  13. Biopharmaceutical industry-sponsored global clinical trials in emerging countries.

    Science.gov (United States)

    Alvarenga, Lenio Souza; Martins, Elisabeth Nogueira

    2010-01-01

    To evaluate biopharmaceutical industry-sponsored clinical trials placed in countries previously described as emerging regions for clinical research, and potential differences for those placed in Brazil. Data regarding recruitment of subjects for clinical trials were retrieved from www.clinicaltrials.gov on February 2nd 2009. Proportions of sites in each country were compared among emerging countries. Multiple logistic regressions were performed to evaluate whether trial placement in Brazil could be predicted by trial location in other countries and/or by trial features. A total of 8,501 trials were then active and 1,170 (13.8%) included sites in emerging countries (i.e., Argentina, Brazil, China, Czech Republic, Hungary, India, Mexico, Poland, Russia, South Korea, and South Africa). South Korea and China presented a significantly higher proportion of sites when compared to other countries (pattractiveness for biopharmaceutical industry-sponsored clinical trials.

  14. Unfulfilled translation opportunities in industry sponsored clinical trials

    DEFF Research Database (Denmark)

    Smed, Marie; Getz, Kenneth A.

    2013-01-01

    in the industry and site representatives are changing. The process of clinical trials has increased in complexity over the years, resulting in additional management layers. Besides an increase in internal management layers, sponsors often also outsource various tasks related to clinical trials to a CRO (Contract...... Research Organization) and thereby adding another link in the relationships between site and sponsor. These changes are intended to optimize the time-consuming and costly trial phases; however, there is a need to study whether valuable knowledge and experience is compromised in the process. Limited......' knowledge gained in clinical trials is utilized by the industry. Responses from 451 global investigative site representatives are included in the study. The analysis of the extensive dataset reveals that the current processes of collaboration between sites and the industry restrict the leverage of valuable...

  15. On a State-Sponsored Sport System in China.

    Science.gov (United States)

    Cao, Jie; Zhiwei, Pan

    The gold medal success of China in recent Olympic Games can be traced to the advancement of the state-sponsored sport system (SSSS). While the program was developed initially through socialist ideals, it is more than a centralized government system to monopolize resources for glorified sport performance. Participation in competition is an inherent part of the human condition. Success in athletics is associated with national identity and has economic, social, and cultural implications. Because of this, it is essential that the SSSS adjust and improve to keep pace with other facets of China's quickly changing national reform. In association with emerging economic reform, some sports now receive equal or more funds from private investments compared to government allocation. The state-sponsored sport system must continue to adapt to maintain the Chinese tradition of excellence in competition.

  16. A New Typology for State-Sponsored International Terrorism

    Science.gov (United States)

    2011-12-01

    tolerated the stacks of books with “ scary people” on the covers. xiv THIS PAGE INTENTIONALLY LEFT BLANK 1 I. INTRODUCTION State sponsorship of...sponsors of terrorism list in August of 1993.133 The explanation of the State Department’s update to the list stated that despite warnings , “the... warning signs, Qaddafi directed his associates to attempt to re- establish communications with the U.S in 1992. At that point, however, the U.S. was not

  17. Budget constraints and optimization in sponsored search auctions

    CERN Document Server

    Yang, Yanwu

    2013-01-01

    The Intelligent Systems Series publishes reference works and handbooks in three core sub-topic areas: Intelligent Automation, Intelligent Transportation Systems, and Intelligent Computing. They include theoretical studies, design methods, and real-world implementations and applications. The series' readership is broad, but focuses on engineering, electronics, and computer science. Budget constraints and optimization in sponsored search auctions takes into account consideration of the entire life cycle of campaigns for researchers and developers working on search systems and ROI maximization

  18. Searching for sponsors for four national rugby teams in Finland

    OpenAIRE

    Ylönen, Niina

    2017-01-01

    How to get more sponsors to four national rugby teams in Finland? Finnish Rugby Federation and its four national teams are in the need of new long lasting sponsorship deals to fund the national teams’ tournaments in Finland and abroad. Since rugby is quite unknown sports in Finland it faces challenges in getting new sponsorship deals and also its visibility is currently very low. The purpose of this thesis is to analyse the current situation of rugby, sponsorship contracts Finnish rugby F...

  19. Safety research programs sponsored by Office of Nuclear Regulatory Research

    International Nuclear Information System (INIS)

    Weiss, A.J.; Azarm, A.; Baum, J.W.

    1989-07-01

    This progress report describes current activities and technical progress in the programs at Brookhaven National Laboratory sponsored by the Division of Regulatory Applications, Division of Engineering, Division of Safety Issue Resolution, and Division of Systems Research of the US Nuclear Regulatory Commission, Office of Nuclear Regulatory Research following the reorganization in July 1988. The previous reports have covered the period October 1, 1976 through September 30, 1988

  20. 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 ...

  1. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

    Full Text Available Bank of Moslem law one of its target is profit oriented as financial institution intermediasi beside as institute of baitul maal. Bank of Moslem law can accept the fund coming from zakat , infak, alms, hibah, or other social fund which among other things come the ta’zir. Bank of Moslem law also channel it social fund coming from communal ownership of money to communal ownership organizer (nadzir as according to will ;desire of communal ownership giver (wakif. social Function execution have to pursuant to Statute of Management of Zakat and Statute of Wakaf.

  2. Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers

    Directory of Open Access Journals (Sweden)

    Perkins Ed-Zilla Daniel

    2013-07-01

    Full Text Available Internet usage in Ghana is on the increase and all indications points to the direction of the possibility of its application on online banking to be successful. However, online banking adoption that will lead to a cashless economy is facing doubts. This paper aimed at critically examining the factors that influence the adoption of online banking in Ghana. The study was based on TAM (Technology Acceptance Model, which has been used expansively in similar studies, a descriptive cross-sectional mixed-methodology approach was used. To generalize the findings the researchers used a multi case study approach to help find out the factors that influence online banking adoption. Data was analysed by using multiple Regression Analysis in SPSS to generate ANOVA results. The results showed that the original constructs of TAM i.e. Perceived Usefulness (PU, Perceived Ease of Use (PEOU as well as the extensions of government support, trust and security were all significant to customers’ intensions to adopt online banking. An implication for bank Managers is that they should concentrate on the promotion and advancement of the priceless paybacks that are gained from ‘Intended and Unintended Benefits’ such as lower transaction fees, high deposit rates among others which are realized from the usage online of banking linked to Perceived Usefulness

  3. Developing Islamic Banking Performance Measures Based on Maqasid Al-Shari’ah Framework: Cases of 24 Selected Banks

    Directory of Open Access Journals (Sweden)

    Mustafa Omar Mohammed

    2015-08-01

    Full Text Available Islamic banking has achieved remarkable growth that has surpassed the growth of the conventional banking system. Yet, studies show that the performances of Islamic banks (IBs seem to be trailing behind the conventional banks (CBs. Is the poor performance of IBs the result of mismatch between their objectives and their performance measurement criteria or it is a reflection of their true performances? The objectives of Islamic banking had not been formally addressed. Mustafa and Taib (2009 derived the objectives of Islamic banking from Abu Zahara’s theory of the objectives of Shari’ah (Maqasid al-Shari’ah and, based on these Shari’ah objectives, developed a model of Islamic banking performance measures. They named it as Performance Measures based on Maqasid al-Shari’ah framework or the PMMS model. This paper has tested the PMMS model on a sample 24 banks (12 IBs and 12 CBs. The twenty four banks were also evaluated using the traditional conventional financial measures. Mann-Whitney U-Test results show IBs faring well in their performances when measured using the PMMS model than when they are measured using the conventional banking performance yardstick. Policy prescriptions and recommendations for further studies are provided at the concluding section of the paper.

  4. 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....

  5. 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...

  6. 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)

  7. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

    Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

  8. Bank Funding Structures and Risk; Evidence From the Global Financial Crisis

    OpenAIRE

    Pablo Federico; Francisco F. Vazquez

    2012-01-01

    This paper analyzes the evolution of bank funding structures in the run up to the global financial crisis and studies the implications for financial stability, exploiting a bank-level dataset that covers about 11,000 banks in the U.S. and Europe during 2001?09. The results show that banks with weaker structural liquidity and higher leverage in the pre-crisis period were more likely to fail afterward. The likelihood of bank failure also increases with bank risk-taking. In the cross-section, th...

  9. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

    This paper examines competition between bank regulators in open economies. We use a model where credit demand of firms is endogenous and show any tendency for downward competition in regulation policy is limited by the effect of regulation on profits of nonfinancial firms. Moreover, perfect mobility on loans and deposit markets fully eliminates the incentives of regulators to set bank regulation at ine±cient low levels.

  10. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

    The focus of the paper is to analyze how the concept behind central bank policy developed over time and how the recent financial crisis and its consequences will have an influence. While the principles of the institutional arrangement for central banks (independence, clear mandate, prohibition of monetary financing) are relevant as ever, pre- crisis consensus strategies of monetary policy have been revealed as flawed. The close monitoring of money and credit developments, a key lesson to be d...

  11. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

    This paper explains how banking supervision within the EU, and in Finland in particular, can be improved by the implementation of greater market discipline and related changes. Although existing EU law, institutions, market structures and practices of corporate governance restrict the scope for change, substantial improvements can be introduced now while there is a window of opportunity for change. The economy is growing H5ly and the consequences of the banking crises of the early 1990s have ...

  12. Critical Assessment of Banking Institutions in South Africa

    Directory of Open Access Journals (Sweden)

    Bakam Fotso

    2017-04-01

    Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

  13. 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.

  14. 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.

  15. 5 CFR 630.1014 - Movement between voluntary leave bank programs.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Movement between voluntary leave bank programs. 630.1014 Section 630.1014 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1014 Movement between voluntary leave bank...

  16. 12 CFR 614.4357 - Banks for cooperatives look-through notes.

    Science.gov (United States)

    2010-01-01

    ....4357 Section 614.4357 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... endorsement or unconditional guarantee by the borrower; (b) The bank determines the financial condition, repayment capacity, and other credit factors of the loan to the original maker reasonably justify the credit...

  17. 12 CFR 204.122 - Secondary market activities of international banking facilities.

    Science.gov (United States)

    2010-01-01

    ... banking facilities. 204.122 Section 204.122 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D... the institution establishing the IBF would continue to be subject to Eurocurrency reserve requirements...

  18. 40 CFR 86.1817-05 - Complete heavy-duty vehicle averaging, trading, and banking program.

    Science.gov (United States)

    2010-07-01

    ..., trading, and banking program. 86.1817-05 Section 86.1817-05 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. (a) General. (1) Complete heavy-duty vehicles eligible for the NOX averaging, trading and banking program are described in the applicable...

  19. 75 FR 3466 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

    Science.gov (United States)

    2010-01-21

    ... ownership of, control of, or the power to vote shares of a bank or bank holding company and all of the banks... acitivites to businesses and individuals, pursuant to section 225.28(b)(6) and in private placement of debt...

  20. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

    Full Text Available The purpose of this study is to analyze internet banking�s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method�s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster�s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking. �

  1. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  2. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

    Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

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

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  5. Asthma: NIH-Sponsored Research and Clinical Trials | NIH MedlinePlus the Magazine

    Science.gov (United States)

    ... of this page please turn Javascript on. Feature: Asthma Asthma: NIH-Sponsored Research and Clinical Trials Past Issues / Fall 2011 Table of Contents NIH-Sponsored Research Asthma in the Inner City: Recognizing that asthma severity ...

  6. "This program contains advertising": How the timing of sponsorship disclosure influences critical processing of sponsored content

    NARCIS (Netherlands)

    Boerman, S.; van Reijmersdal, E.; Neijens, P.

    2013-01-01

    This study investigates whether the timing of sponsorship disclosure influences the processing of sponsored content. A model is proposed in which sponsorship disclosure activates persuasion knowledge, which leads to critical processing of the sponsored content, and ultimately negatively affects the

  7. The Meaning of Sponsoring : A study on the motives behind sponsoring a sports team and the following effects on brand awareness.

    OpenAIRE

    Skovshoved, Fredrik; Roshandel, Salar

    2009-01-01

    Background: Sponsoring is a topic that has always been present but in different forms. Recently however, it has become even more popular and companies today invest small fortunes on becoming sponsors of different events, individuals and teams. However, there is still not much research done within this field, hence we find it interesting to investigate further. Purpose: The purpose of this thesis is to investigate, from a strategic marketing perspective, what a sponsoring organization wants to...

  8. Provider-sponsored HMOs: make, buy, or joint venture?

    Science.gov (United States)

    Clay, S B

    1997-03-01

    Providers can sponsor their own HMOs in one of three ways: by creating their own HMO, by joint venturing with an existing HMO, or by purchasing an existing HMO. When selecting the best option, providers must consider various market conditions. Managed care penetration in the area, potential competitive responses of existing HMOs, market demand, provider reputation, and provider marketing ability will all influence the feasibility of each option. Providers also must examine their own organizational identity, their ability to raise the necessary capital to start an HMO, their managed care expertise and risk contracting experience, and their information systems capabilities.

  9. The Race for Sponsored Links: Bidding Patterns for Search Advertising

    OpenAIRE

    Zsolt Katona; Miklos Sarvary

    2010-01-01

    Paid placements on search engines reached sales of nearly $11 billion in the United States last year and represent the most rapidly growing form of online advertising today. In its classic form, a search engine sets up an auction for each search word in which competing websites bid for their sponsored links to be displayed next to the search results. We model this advertising market, focusing on two of its key characteristics: (1) the interaction between the list of search results and the lis...

  10. Annotated bibliography of GEND-sponsored TMI-2 reports

    International Nuclear Information System (INIS)

    1983-04-01

    In the continuing effort to distribute information about the TMI-2 cleanup and recovery effort, the GEND group has sponsored publication of 70 reports to date on various aspects of the Technical Information and Examination Program. Each report is indicated below by number, title, and date of publication, and followed by a brief description. For the formal reports, the National Technical Information Service price codes are indicated within parentheses following the date of publication (where available). The first code is for printed copy; the second is for microfiche

  11. Strategic management of government-sponsored R&D portfolios

    OpenAIRE

    Barry Bozeman; Juan Rogers

    2001-01-01

    Although strategic management of R&D portfolios is common practice in private sector R&D, government R&D management tends to be more discrete and ad hoc, focusing on generating maximum output from individual projects. Often, there is no clear notion of the desired public sector output. Whereas private sector R&D evaluation is generally straightforward, with the function of R&D being measured in terms of a company's internal return on investment, the benefits of public-sponsored R&D tend to be...

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  13. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  14. ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  15. Building Strong Bonds with Program Sponsors--Public Relations Ideas To Make It Happen.

    Science.gov (United States)

    Stephens, Karen

    2003-01-01

    Lists public relations strategies for child care center directors seeking to cultivate relationships with their program sponsors. Suggests ways to identify a public relations message, make the sponsor part of the child care family, become part of the sponsor's family, give public recognition, and share the children's accomplishments. (JPB)

  16. 21 CFR 316.22 - Permanent-resident agent for foreign sponsor.

    Science.gov (United States)

    2010-04-01

    ... SERVICES (CONTINUED) DRUGS FOR HUMAN USE ORPHAN DRUGS Designation of an Orphan Drug § 316.22 Permanent-resident agent for foreign sponsor. Every foreign sponsor that seeks orphan-drug designation shall name a permanent resident of the United States as the sponsor's agent upon whom service of all processes, notices...

  17. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

    Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

  18. Good Publication Practice for Communicating Company-Sponsored Medical Research: GPP3.

    Science.gov (United States)

    Battisti, Wendy P; Wager, Elizabeth; Baltzer, Lise; Bridges, Dan; Cairns, Angela; Carswell, Christopher I; Citrome, Leslie; Gurr, James A; Mooney, LaVerne A; Moore, B Jane; Peña, Teresa; Sanes-Miller, Carol H; Veitch, Keith; Woolley, Karen L; Yarker, Yvonne E

    2015-09-15

    This updated Good Publication Practice (GPP) guideline, known as GPP3, builds on earlier versions and provides recommendations for individuals and organizations that contribute to the publication of research results sponsored or supported by pharmaceutical, medical device, diagnostics, and biotechnology companies. The recommendations are designed to help individuals and organizations maintain ethical and transparent publication practices and comply with legal and regulatory requirements. These recommendations cover publications in peer-reviewed journals and presentations (oral or poster) at scientific congresses. The International Society for Medical Publication Professionals invited more than 3000 professionals worldwide to apply for a position on the steering committee, or as a reviewer, for this guideline. The GPP2 authors reviewed all applications (n = 241) and assembled an 18-member steering committee that represented 7 countries and a diversity of publication professions and institutions. From the 174 selected reviewers, 94 sent comments on the second draft, which steering committee members incorporated after discussion and consensus. The resulting guideline includes new sections (Principles of Good Publication Practice for Company-Sponsored Medical Research, Data Sharing, Studies That Should Be Published, and Plagiarism), expands guidance on the International Committee of Medical Journal Editors' authorship criteria and common authorship issues, improves clarity on appropriate author payment and reimbursement, and expands information on the role of medical writers. By following good publication practices (including GPP3), individuals and organizations will show integrity; accountability; and responsibility for accurate, complete, and transparent reporting in their publications and presentations.

  19. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

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

  20. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system

  1. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

    Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

  2. Medical malpractice reform and employer-sponsored health insurance premiums.

    Science.gov (United States)

    Morrisey, Michael A; Kilgore, Meredith L; Nelson, Leonard Jack

    2008-12-01

    Tort reform may affect health insurance premiums both by reducing medical malpractice premiums and by reducing the extent of defensive medicine. The objective of this study is to estimate the effects of noneconomic damage caps on the premiums for employer-sponsored health insurance. Employer premium data and plan/establishment characteristics were obtained from the 1999 through 2004 Kaiser/HRET Employer Health Insurance Surveys. Damage caps were obtained and dated based on state annotated codes, statutes, and judicial decisions. Fixed effects regression models were run to estimate the effects of the size of inflation-adjusted damage caps on the weighted average single premiums. State tort reform laws were identified using Westlaw, LEXIS, and statutory compilations. Legislative repeal and amendment of statutes and court decisions resulting in the overturning or repealing state statutes were also identified using LEXIS. Using a variety of empirical specifications, there was no statistically significant evidence that noneconomic damage caps exerted any meaningful influence on the cost of employer-sponsored health insurance. The findings suggest that tort reforms have not translated into insurance savings.

  3. 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...

  4. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  5. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  6. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  7. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

    The Islamic Development Bank (IDB) was opened formally in October 1975 to foster the economic development and social progress of its member countries and Moslem communities individually as well as jointly in accordance with the priniciples of Islamic law. Its functions include participation in equity capital, granting loans for projects and enterprises, extending training facilities, and promoting foreign trade, especially in capital goods, among the member countries. The 34-member Bank is capitalized at 2 billion Islamic Dinars and located in Jeddah, Saudi Arabia.

  8. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

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

  9. 78 FR 73415 - Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance

    Science.gov (United States)

    2013-12-06

    ...Section 20A of the Federal Home Loan Bank Act (Bank Act), requires the Director of the Federal Housing Finance Agency (FHFA) to make available to the Federal Home Loan Banks (Banks) such reports, records, or other information as may be available, relating to the condition of any Bank in order to enable each Bank to evaluate the financial condition of one or more of the other Banks individually and the Bank System as a whole. FHFA has adopted, and published in this issue of the Federal Register, a regulation to implement the statutory information sharing provisions, which will be located at 12 CFR part 1260. As required by Sec. 1260.2(b) of that regulation, FHFA is providing this notification to the Banks and the Bank System's Office of Finance of the categories of information that it will distribute under part 1260 beginning on the effective date noted below.

  10. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  11. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

  12. 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.

  13. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

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

  14. Effects of sponsorship disclosure timing on the processing of sponsored content: a study on the effectiveness of European disclosure regulations

    NARCIS (Netherlands)

    Boerman, S.C.; van Reijmersdal, E.A.; Neijens, P.C.

    2014-01-01

    This study investigates whether the timing of sponsorship disclosure affects viewers’ processing of sponsored content, and whether a disclosure influences the persuasive effect of the sponsored content. A model is proposed in which sponsorship disclosure enhances the recognition of sponsored

  15. "Food company sponsors are kind, generous and cool": (Misconceptions of junior sports players

    Directory of Open Access Journals (Sweden)

    King Lesley

    2011-09-01

    Full Text Available Abstract Background Children's exposure to unhealthy food marketing influences their food knowledge, preferences and consumption. Sport sponsorship by food companies is widespread and industry investment in this marketing is increasing. This study aimed to assess children's awareness of sport sponsors and their brand-related attitudes and purchasing intentions in response to this marketing. Methods Sports clubs known to have food sponsors and representing the most popular sports for Australian children across a range of demographic areas were recruited. Interview-based questionnaires were conducted at clubs with children aged 10-14 years (n = 103 to examine their recall of local sports club and elite sport sponsors, and their attitudes towards sponsors and sponsorship activities. Results Most children (68% could recall sponsors of their sports club, naming a median of two sponsors, including a median of one food company sponsor each. Almost half (47% of children could recall any sponsors of their favourite elite sporting team. Children aged 10-11 years were more likely than older children to report that they thought about sponsors when buying something to eat or drink (P Conclusions Children's high recall of food and beverage company sport sponsors and their positive attitudes towards these sponsors and their promotions is concerning as this is likely to be linked to children's food preferences and consumption. Limiting children's exposure to this marketing is an important initiative to improve children's nutrition.

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

    African Journals Online (AJOL)

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

  17. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

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

    African Journals Online (AJOL)

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

  19. [The 2009 performance report of the German cornea banks].

    Science.gov (United States)

    Schrage, N; Reinhard, T; Seitz, B; Hermel, M; Böhringer, D; Reinshagen, H

    2011-03-01

    In Germany, human tissue for corneal and amniotic transplantation is supplied by 27 cornea banks. The Section for Tissue Transplantation and Biotechnology of the German Ophthalmological Society records the cornea banks' activities by means of an annual questionnaire. In 2009, a total of 4,818 corneal grafts were processed by 21 responding cornea banks, and 57% were deemed suitable for transplantation. This ratio is slightly higher than the European average. In addition, German cornea banks released 1,257 amniotic grafts in 2009. German cornea banks are currently facing new regulatory issues due to updated legislation regarding tissue transplantation. Recent updates in European law have limited the cutoff time for postmortem blood sampling to 24 h, and this regulation may lead to a significant reduction in potential donors.

  20. Collaborative Management of Risks and Complexity in Banking Systems

    Directory of Open Access Journals (Sweden)

    Ion IVAN

    2012-01-01

    Full Text Available This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different configurations are bases for improvements. The Halstead relative complexity function synthesizes system complexity from the point of view of the size of the variables analyzed and the heterogeneity between the variables. Section four was realized by Catalin SBORA.

  1. 12 CFR 7.5009 - Location under 12 U.S.C. 85 of national banks operating exclusively through the Internet.

    Science.gov (United States)

    2010-01-01

    ... operating exclusively through the Internet. 7.5009 Section 7.5009 Banks and Banking COMPTROLLER OF THE... under 12 U.S.C. 85 of national banks operating exclusively through the Internet. For purposes of 12 U.S.C. 85, the main office of a national bank that operates exclusively through the Internet is the...

  2. 12 CFR 225.171 - What are the limitations on managing or operating a portfolio company held as a merchant banking...

    Science.gov (United States)

    2010-01-01

    ... of the portfolio company. Examples of the types of actions that may be subject to these types of... operating a portfolio company held as a merchant banking investment? 225.171 Section 225.171 Banks and... COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Merchant Banking Investments § 225.171 What...

  3. 12 CFR 1500.2 - What are the limitations on managing or operating a portfolio company held as a merchant banking...

    Science.gov (United States)

    2010-01-01

    ... of the portfolio company. Examples of the types of actions that may be subject to these types of... operating a portfolio company held as a merchant banking investment? 1500.2 Section 1500.2 Banks and Banking... on managing or operating a portfolio company held as a merchant banking investment? (a) May a...

  4. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  5. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  6. American Association of Tissue Banks

    Science.gov (United States)

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

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

    OpenAIRE

    Angel, Christania Graciella

    2014-01-01

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

  8. Human milk banking.

    Science.gov (United States)

    O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

    2013-01-01

    Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

  9. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  10. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  11. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  12. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

    This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

  13. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  14. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

    The article deals with problems related to the stochastic frontier model of bank efficiency measurement. The model is used to study the efficiency of the banking sector of The Russian Federation. It is based on the stochastic approach both to the efficiency frontier location and to individual bank efficiency values. The model allows estimating bank efficiency values, finding relations with different macro- and microeconomic factors and testing some economic hypotheses.

  15. The efficiency of bank branches

    OpenAIRE

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

    Banking industry has significant contribution in development of economies of developing countries. Most banks execute their operations through different branches. Therefore it is important to measure the relative efficiencies of these branches. Data envelopment analysis (DEA) is one of the most useful tools in measuring banks’ performance. The present paper aims to extract ranking pattern of banks based on performance evaluation using DEA analysis. In the present research, 120 bank branches o...

  16. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks? branches is also a relevant issue as any significant improvement in cash management at the bank ...

  17. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

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

  18. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

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

  19. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

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

  20. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-26

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

  1. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

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

  2. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

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

  3. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

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

  4. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

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

  5. Government-sponsored microfinance program: Joint liability vs. individual liability

    Directory of Open Access Journals (Sweden)

    Arghya Kusum Mukherjee

    2014-12-01

    Full Text Available Swarnajayanti Gram Swarozgar Yojana (SGSY is a government-sponsored microfinance program. The scheme is based on four features: group lending with joint liability, progressive lending, back-ended subsidy, and social capital. We propose a new model of SGSY having these features: group lending with individual liability, progressive lending, back-ended subsidy, and social capital. “Joint liability” clause of the existing model is replaced with individual liability in the new model. The paper shows that problem of adverse selection is removed in both models, i.e. in “SGSY with group lending and joint liability” and “SGSY with group lending and individual liability.” The problem of “moral hazard” is more severe in the existing model of SGSY compared with the proposed model of SGSY. Borrowers are also benefitted from participation in the proposed scheme of SGSY than that in the existing model of SGSY.

  6. Summary of the ORNL-sponsored reactor radwaste management workshop

    International Nuclear Information System (INIS)

    Kibbey, A.H.

    1977-01-01

    On January 12 to 14, 1977, Oak Ridge National Laboratory (ORNL) sponsored a Radwaste Management Workshop in New Orleans, Louisiana, the object of which was to obtain operating data on the uses of evaporation, ion exchange, filtration, and on solid radwaste practices at nuclear power plants. The collected data are being used to update three earlier generic reports done by ORNL on the status of evaporation, ion exchange, and solid radwaste practices at nuclear power plants and to prepare a new one on filtration. All segments of the nuclear power industry were invited to participate, and a total of 188 representatives came. There were four major Workshop groups: volume reduction, solidification, physical and chemical separations, and corrosion. The major findings of each group are reported

  7. Employer-sponsored health insurance and the gender wage gap.

    Science.gov (United States)

    Cowan, Benjamin; Schwab, Benjamin

    2016-01-01

    During prime working years, women have higher expected healthcare expenses than men. However, employees' insurance rates are not gender-rated in the employer-sponsored health insurance (ESI) market. Thus, women may experience lower wages in equilibrium from employers who offer health insurance to their employees. We show that female employees suffer a larger wage gap relative to men when they hold ESI: our results suggest this accounts for roughly 10% of the overall gender wage gap. For a full-time worker, this pay gap due to ESI is on the order of the expected difference in healthcare expenses between women and men. Copyright © 2015 Elsevier B.V. All rights reserved.

  8. Assessing the Financial Condition of Provider-Sponsored Health Plans.

    Science.gov (United States)

    McCue, Michael J

    2015-06-01

    The aim of this study was to assess the performance of health plans sponsored by provider organizations, with respect to plans generating strong positive cash flow relative to plans generating weaker cash flow. A secondary aim was to assess their capital adequacy. The study identified 24 provider-sponsored health plans (PSHPs) with an average positive cash flow margin from 2011 through 2013 at or above the top 75th percentile, defined as "strong cash flow PSHPs:" This group was compared with 72 PSHPs below the 75th percentile, defined as "weak cash flow PSHPs:" Atlantic Information Services Directory of Health Plans was used to identify the PSHPs. Financial ratios were computed from 2013 National Association of Insurance Commissioners Financial Filings. The study conducted a t test mean comparison between strong and weak cash flow PSHPs across an array of financial performance and capital adequacy measures. In 2013, the strong cash flow PSHPs averaged a cash-flow margin ratio of 6.6%. Weak cash flow PSHPs averaged a cash-flow margin of -0.4%. The net worth capital position of both groups was more than 4.5 times authorized capital. The operational analysis shows that strong cash-flow margin PSHPs are managing their medical costs to achieve this position. Although their medical loss ratio increased by almost 300 basis points from 2011 to 2013, it was still statistically significantly lower than the weaker cash flow PSHP group (P<.001). In terms of capital adequacy, both strong and weak cash-flow margin PSHP groups possessed sufficient capital to ensure the viability of these plans.

  9. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

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

  10. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The

  11. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  12. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  13. Commercial banking in the conditions of deregulation vs. reregulation

    Directory of Open Access Journals (Sweden)

    Zaklan Damir

    2014-01-01

    Full Text Available This paper examines contemporary trends in commercial banking, confronting the stages of deregulation and reregulation in this field triggered by the global mortgage crisis. Under deregulatory conditions the competitive position of banks has toughened, and they reacted to it by intensifying: marketization, i.e. globalization, concentration, securitization and conglomeration, and by turning to the profit-oriented risk management of their activity. The contraction of their interest margin was thus neutralized by the reduction of operational costs and loss provisions, and by an increase in non-interest revenues, thereby maintaining banking profitability. The recent crisis has pinpointed the necessity of firmer regulation or reregulation of the banking sector, aimed at reducing its systemic risk, the most important aspect of which being the stricter international banking capital and liquidity standards, along with the requirement to adequately treat systemically important banks. Reregulation should strengthen capitalization and liquidity; mitigate the volume, concentration, internationalization and business dispersion, hence improving the supervision of the banking sector, implying its lower, yet more stable profitability. Such an impact of the adopted section of targeted regulatory measures has been indicated by higher liquidity, lower globalization, slower concentration and securitization, and stabilization-oriented risk management activities of today's banks. Their growth and profitability have shrunk.

  14. INDEPENDENT COMMISSIONER, INSTITUTIONAL OWNERSHIP AND FINANCIAL DISTRESS BANKS IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Isnalita Isnalita

    2013-11-01

    Full Text Available This research aim to determine the effect of independent commissioner and institutional ownershipto financial distress banks in Indonesia. The existence of the banking crisis occurred in 1997/1998resulted the collapse of public confidence in banking industry. In 2008, the scale, pattern, anda different scope, we face the reality that seems similar to the condition of the banks in the endof 1997. Financial distress experienced is not only caused by external factors stemming fromthe bank but also can be caused by internal factors. On the other hand, the financial distress inthe banking sector can be caused by governance are not good in running the bank’s operations.This study used a quantitative approach. The unit of analysis is the banks in Indonesia with dataobtained from directory of Bank Indonesia in 2008-2009. The research sampling techniques use saturated sampling or census. Research design use multiple logistic regression with the cross section. The result from this study indicated that independent commissioners and institutionalownership cannot prevent the financial distress in 2008 and 2009.

  15. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  16. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  17. "Food company sponsors are kind, generous and cool": (mis)conceptions of junior sports players.

    Science.gov (United States)

    Kelly, Bridget; Baur, Louise A; Bauman, Adrian E; King, Lesley; Chapman, Kathy; Smith, Ben J

    2011-09-05

    Children's exposure to unhealthy food marketing influences their food knowledge, preferences and consumption. Sport sponsorship by food companies is widespread and industry investment in this marketing is increasing. This study aimed to assess children's awareness of sport sponsors and their brand-related attitudes and purchasing intentions in response to this marketing. Sports clubs known to have food sponsors and representing the most popular sports for Australian children across a range of demographic areas were recruited. Interview-based questionnaires were conducted at clubs with children aged 10-14 years (n = 103) to examine their recall of local sports club and elite sport sponsors, and their attitudes towards sponsors and sponsorship activities. Most children (68%) could recall sponsors of their sports club, naming a median of two sponsors, including a median of one food company sponsor each. Almost half (47%) of children could recall any sponsors of their favourite elite sporting team. Children aged 10-11 years were more likely than older children to report that they thought about sponsors when buying something to eat or drink (P return the favour to sponsors by buying their products (P marketing is an important initiative to improve children's nutrition.

  18. Data bank of critical heat flux

    International Nuclear Information System (INIS)

    Balino, J.L.; Ruival, M.H.

    1985-01-01

    More than 13.000 measurements of critical heat flux are classified in a data bank. From each experiment the following information can be obtained: cooling medium (light water, freon 12 or freon 21), geometry of the test section and thermalhydraulic parameters. The data management is performed by a computer program called CHFTRAT. A brief study of the influence of different parameters in the critical heat flux is presented, as an example of how to use the program. (M.E.L.) [es

  19. Women in Top Management and Bank Performance: Evidence from Indonesia

    Directory of Open Access Journals (Sweden)

    Hunik Sri Runing Sawitri

    2016-02-01

    Full Text Available We investigate the impact of the presence of women in top management on bank performance controlling for bank specific factors, ownership and governance. By making use of sample of 70 Indonesian banks in a cross section study, we find strong evidence that the presence of women in the executives is negatively associated with firm performance. Moreover, we examine the moderating effect of TMT organizational tenure and TMT age. However, only little evidence is found in the effect of our moderating variables.

  20. When good investments go bad: the contraction in community bank lending after the 2008 GSE takeover

    OpenAIRE

    Tara Rice; Jonathan D. Rose

    2012-01-01

    In September 2008, the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac were placed into conservatorship and dividend payments on common and preferred shares were suspended. As a result, share prices fell to nearly zero and many banks across the country lost the value of their investments in the preferred shares. We estimate more than 600 depository institutions in the United States were exposed to at least $8 billion in investment losses from these securities. In addition, ...

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

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-08-01

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

  2. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  3. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

    In a theoretical model of the Diamond-Dybvig style, in which deposit-taking banks and financial markets coexist, bank behavior is analyzed taking into account a positive ex-ante probability of a future financial crisis. We focus on the role of the interaction of market liquidity and banks' funding liquidity in the propagation of shocks in the financial system. Our findings suggest that in particular bank-dominated financial systems are prone to contagious bank runs due to asset price deterior...

  4. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  5. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  6. Performance Evaluation of Banks Using DEA (Case study: Guilan Saderat Bank Branches

    Directory of Open Access Journals (Sweden)

    K. Shahroudi

    2010-03-01

    Full Text Available Performance evaluation has been developed in the form of management schools along by managerial thought development. Banks and financial institutes are one of the most important economic sections to each country which by receipts and payments directing and organizing facilitate business and commercial transactions and develop markets and economic growth and as the main pillars in directing and managing dispersed funds toward production units and regulate cash flow, have specific place in economic growth and inflation control. Therefore, it is necessary for banks to be aware about their branches efficiency and take revision techniques into account for their future planning. In this paper BCC and CCR models (output-oriented have been used to evaluate the efficiency of 29 sample Saderat bank branches in Guilan Province.

  7. Performance Evaluation of Banks Using DEA (Case study: Guilan Saderat Bank Branches

    Directory of Open Access Journals (Sweden)

    K. Shahroudi

    2012-07-01

    Full Text Available Performance evaluation has been developed in the form of management schools along by managerial thought development. Banks and financial institutes are one of the most important economic sections to each country which by receipts and payments directing and organizing facilitate business and commercial transactions and develop markets and economic growth and as the main pillars in directing and managing dispersed funds toward production units and regulate cash flow, have specific place in economic growth and inflation control. Therefore, it is necessary for banks to be aware about their branches efficiency and take revision techniques into account for their future planning. In this paper BCC and CCR models (output-oriented have been used to evaluate the efficiency of 29 sample Saderat bank branches in Guilan Province.

  8. Data bank for nuclear science and technology

    International Nuclear Information System (INIS)

    Hajicek, J.

    1978-01-01

    The current state of the project for building a Data Bank for Nuclear Science and Technology is described. The tasks of the bank will be to provide data for nuclear sciences and technology in Czechoslovakia. The data bank is being projected as an open system consisting of a number of subject sections and it is expected to be formed in cooperation with the other CMEA countries. Current work is focused on securing the system in a comprehensive manner, on the necessary hardware and software, on organization and personnel. An experimental data sample from 22 selected PWR type power plants has been forwarded for processing to the Zentralinstitut fuer Isotopen- und Strahlenforschung in Leipzig using the EC 104O computer and the SOPS AIDOS program. The analysis of primary sources of the processed data showed that the data are, in fact, concentrated in a small number of specialist journals. It appears that the most favourable hardware and software solution of the project will be the use of the SIEMENS 7755 computer at the Central Institute for Scientific and Technical Information in Prague, using the SESAM and GOLEM retrieval systems. The data bank project is to be implemented after the year 1980. (Ha)

  9. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  10. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  11. The European Central Bank

    OpenAIRE

    Binder, Michael; Wieland, Volker

    2006-01-01

    The establishment of the ECB and with it the launch of the euro has arguably been a unique endeavor in economic history, representing an important experiment in central banking. This note aims to summarize some of the main lessons learned from this experiment and sketch some of the prospects for the ECB. It is written for "The New Palgrave Dictionary of Economics", 2nd edition. JEL Classification: E52, E58

  12. En Ung bank

    OpenAIRE

    Lind, Maria Benedicte; Rice, Harrie Emily; Andersen, Lærke Maria; Elfort, Amanda Josefine; Pedersen, Sophie Espe; Sahibzada, Qamar Un Nisa

    2016-01-01

    The purpose of this project is to examine the campaign Øhhkonomi from Danske Bank. The project is based on examining which assumptions the campaign, and further actions surrounding the campaign, expresses about the audience. The campaign audience is specifically 18-27 years old and addresses problems regarding their personal finance skills and understanding thereof. Starting from a communication point of view, the project examines the campaign and the sender in itself. The purpose hereof is t...

  13. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  14. MULTIPERIOD BANKING SUPERVISION

    OpenAIRE

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

    This paper is based on a general method for multiperiod prudential supervision of companies submitted to hedgeable and non-hedgeable risks. Having treated the case of insurance in an earlier paper, we now consider a quantitative approach to supervision of commercial banks. The various elements under supervision are the bank’s current amount of tradeable assets, the deposit amount, and four flow processes: future trading risk exposures, deposit flows, flows of loan repayments and of deposit re...

  15. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  16. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  17. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  18. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  19. Improved E-Banking System With Advanced Encryption Standards And Security Models

    Directory of Open Access Journals (Sweden)

    Sharaaf N. A.

    2015-08-01

    Full Text Available Emerging new Technologies and large scale businesses have made this world a global village. Many business organizations provide online services targeting global consumer bases. Transaction in international scale has been enabled by banks all around the world through E-banking in order to supply the needs of above business organizations. E-banking serves lots of benefits to both customers of banks and banks itself. It adds value to customers satisfaction with better service quality and enables banks to gain a competitive advantage over other competitors. Online banking need to possess high level security in order to provide safe consistent and robust online environment which guarantees secure data transmission and identity of both bank and customer. Lack of security may lead to less trust or hard to trust attitude towards online banking. Although customers are attracted by online banking convenience they seem largely in concern about identity theft and phishing. Analysis of many research papers on e-banking security models and their respective advantages and disadvantages have been discussed in literature review. Username password E-banking dongles fractal images biometric scans and advanced encryption standards are some of the suggested solutions for E-banking security. This study focuses on the security beyond above mechanisms. This paper ensures security of online banking at three levels. At client side using internet dongle integrated with finger print scanning technology at banking sever side and data transmission level. This model also includes username password and advanced encryption for further security. Complete description on the model has been discussed in methodology section. Future works on this topic and Conclusion are covered in separate sections.

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  1. 12 CFR Appendix C to Part 325 - Risk-Based Capital for State Non-Member Banks: Market Risk

    Science.gov (United States)

    2010-01-01

    ... derivatives, a bank must risk weight (as described in paragraph (c)(2)(iii) of this section) the market value... equity positions (including derivatives) in identical equity issues or equity indices in the same market...: Market Risk C Appendix C to Part 325 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS...

  2. 12 CFR 584.2-2 - Permissible bank holding company activities of savings and loan holding companies.

    Science.gov (United States)

    2010-01-01

    ... savings and loan holding companies. 584.2-2 Section 584.2-2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2-2 Permissible bank holding company activities of savings and loan holding companies. (a) General. For purposes of § 584.2(b)(6)(i) of this part...

  3. Glycemic control and sponsor rank of military dependents with type 1 diabetes mellitus.

    Science.gov (United States)

    Paz, Rachael; Rouhanian, Minoo; Vogt, Karen

    2016-09-01

    Disparities in glycemic control are reported in children with type 1 diabetes related to differences in access to health care and socioeconomic status. In the US military, rank is an indicator of socioeconomic status, but all have complete health care access without cost. We sought to determine if glycemic control in children with type 1 diabetes differs if their sponsor (parent) is an officer vs. enlisted military service member. We performed a cross-sectional retrospective chart review of children with type 1 diabetes >1 yr duration whose parent is a military service member. A total of 281 subjects met study criteria, 136 (48.4%) having an enlisted and 145 (51.6%) having an officer sponsor. The groups differed by race with 38.2% black in the enlisted and 9% black in the officer group (p 1). The median enlisted average hemoglobin A1c (HbA1c) over the most recent year of available data was significantly higher than the officer group (9.2 vs. 8.4%, p 1). The difference remained significant when controlled for age and race. Diabetes-related hospitalizations were greater in the enlisted group (39.0 vs. 19.3%, p 1). More subjects in the officer group were on insulin pumps (54.5 vs. 28.7%, p 1). Dependent children of enlisted service members with type 1 diabetes have higher HbA1c levels, more diabetes-related hospitalizations, and are less likely to use insulin pumps than children of officers. These differences are likely linked to socioeconomic status and education levels given the universal access to health care within the military system. Published 2015. This article is a U.S. Government work and is in the public domain in the USA.

  4. 76 FR 68808 - Exchange Visitor Program-Cap on Current Participant Levels and Moratorium on New Sponsor...

    Science.gov (United States)

    2011-11-07

    ... participants for whom sponsors are responsible and the third parties that sponsors rely upon to assist them in administering their programs (i.e., U.S. employers and foreign agents); (b) requires that participants from non... sponsors to fully vet employers and all SWT job offers; and, (d) requires sponsors to contact current...

  5. 45 CFR 2552.24 - What are a sponsor's responsibilities for securing community participation?

    Science.gov (United States)

    2010-10-01

    ...? (a) A sponsor shall secure community participation in local project operation by establishing an Advisory Council or a similar organizational structure with a membership that includes people: (1...

  6. 45 CFR 2551.24 - What are a sponsor's responsibilities for securing community participation?

    Science.gov (United States)

    2010-10-01

    ...? (a) A sponsor shall secure community participation in local project operation by establishing an Advisory Council or a similar organizational structure with a membership that includes people: (1...

  7. Provider-Sponsored Health Plans: Lessons Learned over Three Decades.

    Science.gov (United States)

    Breon, Richard C

    2016-01-01

    Healthcare's movement to value-based care is causing health systems across the country to consider whether owning or partnering with a health plan could benefit their organizations. Although organizations have different reasons for wanting to enter the insurance business, potential benefits include improving care quality, lowering costs, managing population health, expanding geographic reach, and diversifying the organization's revenue stream. However, the challenges and risks of owning a health plan are formidable: Assuming 100 percent financial risk for a patient population requires considerable financial resources, as well as competencies that are wholly different from those needed to run a hospital or physician group. For Spectrum Health, an integrated, not-for-profit health system based in Grand Rapids, Michigan, owning a health plan has been vital to fulfilling its mission of improving the health of the communities it serves, as well as its value proposition of providing highquality care at lower costs. This article weighs the pros and cons of operating a health plan; explores key business factors and required competencies that organizations need to consider when deciding whether to buy, build, or partner; examines the current environment for provider-sponsored health plans; and shares some of the lessons Spectrum Health has learned over three decades of running its health plan, Priority Health.

  8. Strategic Bidding Behaviors in Nondecreasing Sponsored Search Auctions

    Directory of Open Access Journals (Sweden)

    Chen-Kun Tsung

    2013-01-01

    Full Text Available To realize the specific results in the sponsored search auctions, most advertisers submit particular bid prices. The bidding behaviors with specific purposes are called as the strategic bidding. However, some strategic bidding behaviors will result in negative effects, such as the elimination of the equilibrium and the payment increase for some advertisers. The bidding behaviors with negative results are termed as the vindictive bidding. We survey four strategic bidding behaviors which include a rational bidding and three vindictive bidding strategies. In this paper, we study the relationship between the effects resulted by the vindictive bidding and the valuations of the vindictive advertisers. In our experiments, the search engine provider (SEP is benefited by all vindictive bidding behaviors, and the increment of the SEP's revenue is proportional to the degree of the vindictiveness. Bidding vindictively without sacrificing the own utility improves the advertiser's utility with high probability. Moreover, we observe that the SEP's revenue is improved by the following situations. First, the vindictive advertiser with low valuation in the keywords with high market value results in more SEP's revenue than that in the keywords with low market value. The second case is to raise the bidding competition between advertisers.

  9. Ethical considerations in industry-sponsored multiregional clinical trials.

    Science.gov (United States)

    Ibia, Ekopimo; Binkowitz, Bruce; Saillot, Jean-Louis; Talerico, Steven; Koerner, Chin; Ferreira, Irene; Agarwal, Anupam; Metz, Craig; Maman, Marianne

    2010-01-01

    During the last several decades, the scientific and ethics communities have addressed important ethical issues in medical research, resulting in the elaboration and adoption of concepts, guidelines, and codes. Ethical issues in the conduct of Multiregional Clinical Trials have attracted significant attention mainly in the last two decades. With the globalization of clinical research and the rapid expansion to countries with a limited tradition of biomedical research, sponsors must proactively address local ethical issues, the adequacy of oversight as well as the applicability and validity of data, and scientific conclusions drawn from diverse patient populations. This paper highlights some core ethical principles and milestones in medical research, and, from an industry perspective, it discusses ethical issues that the clinical trial team may face when conducting Multiregional Clinical Trials (MRCT, clinical trials conducted at sites located across multiple geographic regions of the world). This paper further highlights the areas of consensus and controversies and proposes points to consider. Copyright © 2010 John Wiley & Sons, Ltd.

  10. Who foregoes survivor protection in employer-sponsored pension annuities?

    Science.gov (United States)

    Johnson, Richard W; Uccello, Cori E; Goldwyn, Joshua H

    2005-02-01

    Retirees in traditional pension plans must generally choose between single life annuities, which provide regular payments until death, and joint and survivor annuities, which pay less each month but continue to make payments to the spouse after the death of the retired worker. This article examines the payout decision and measures the share of married retirees with pension annuities who forego survivor protection. The analysis consists of a probit model of the pension payout decision, based on data from the 1992-2000 waves of the Health and Retirement Study. More than one quarter (28%) of married men and two thirds of married women receiving employer-sponsored retirement annuities declined survivor protection. Men with small pensions and limited household wealth, men in better health than their spouses, and men whose spouses have pension coverage from their own employers are more likely than other men to reject survivor protection. Most workers appear to make payout decisions by rationally balancing the costs and benefits of each type of annuity, suggesting that existing measures to encourage joint and survivor annuities are adequate. However, the growth in 401(k) plans, which are generally not covered by existing laws protecting spousal pension rights, may leave widows vulnerable.

  11. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

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

  12. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  13. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  14. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  15. 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.

  16. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

    Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

  17. Banking towards development: Evidence from the Spanish banking expansion plan

    OpenAIRE

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

    During the period 1965-1987 Spain was an emerging market in full transition from developing to developed status. During the same period the Spanish banking system underwent an unprecedented episode of expansion growing from 5,000 to over 30,000 bank branches. We examine whether the latter process partly caused the former by focusing on the relationship between branch expansion and entrepreneurship in the wholesale and retail trade industries. To address the non-random allocation of bank branc...

  18. BLC Bank - Lebanon : Leading in Banking on Women

    OpenAIRE

    International Finance Corporation

    2016-01-01

    The overall objective of this study is to learn about the impact of International Finance Corporation’s (IFC) Banking on Women (BoW) Program in the Europe and Central Asia and the Middle East and North Africa (EMENA) through BLC Bank of Lebanon. The objective of this specific case study is to understand the success of the BoW program for BLC Bank in Lebanon in terms of the program’s contri...

  19. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

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

  20. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

    Sharia bank now has popularity among the people of Indonesia. Sharia bankbased on present Islamic economic principles. Sharia Bank has a big role increaseworld banking in Indonesia. Attentive Indonesia society majority is Moslem, soSharia Banking in the future has good prospect with increase knowledge aboutawareness to use banking produc and information with experience society aboutbenefit sharia banking. This study aimed to know knowledge and attitude society forsharia banking and to know kn...

  1. E-Banking: Risk Management Practices of the Estonian Banks

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

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

  2. Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

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

  3. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  4. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  5. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  6. 78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-21

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

  7. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

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

  8. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

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

  9. 75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-04

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

  10. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

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

  11. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

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

  12. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

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

  13. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

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

  14. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  15. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  16. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

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

  17. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

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

  18. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

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

  19. 78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-03

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

  20. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

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