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. Cross-sectional study of Pfizer-sponsored clinical trials: assessment of time to publication and publication history.

    Science.gov (United States)

    Mooney, LaVerne A; Fay, Lorna

    2016-07-18

    To estimate the proportion of Pfizer-sponsored clinical trials that completed in 2010 and are published as manuscripts in the peer-reviewed literature, and to assess the manuscript development history. Retrospective, cross-sectional analysis. Clinical trials registered in ClinicalTrials.gov that completed in 2010 for approved, Pfizer prescription products in patients or vaccines in healthy participants. The proportion of studies for which the primary outcome(s) was published and the median time from study completion to publication. The manuscript development history included the number of times a manuscript was submitted before it was accepted for publication. Among registered clinical trials for which Pfizer was the sponsor that completed in 2010, 76 met all inclusion criteria. The primary outcome(s) for 65 (85%) studies was published in 71 manuscripts; the median time to publication was 31 months (range 3-63 months). Of the remaining 11 studies, 2 had been submitted to at least one journal, 2 had not yet been submitted and 7 had no plans to publish because the study had terminated early due to recruitment challenges. Manuscripts accepted at the first choice journal were published at median time of 28 months (range 8-63, n=31), those accepted at second choice journal were published at 32 months (3-45, n=19), and for those accepted at third choice journal, it was 40 months (range 24-53, n=13). The publication rate and median time to publication from study completion for Pfizer-sponsored studies were comparable to those previously reported for combined analyses of industry and non-industry sectors. Opportunities exist for sponsors, authors and journals to explore ideas that would facilitate more timely publication for clinical trial results. However, to be effective, such changes may need to revisit the entire publication process. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to

  6. 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

    ... any nonbanking company irrespective of the nature or extent of the holding company's participation in...)(6) of the Bank Holding Company Act. 225.137 Section 225.137 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK...

  7. 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

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false How do the statutory cross marketing and sections 23A and B limitations apply to merchant banking investments? 225.176 Section 225.176 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING...

  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 Banking DEPARTMENT OF THE TREASURY GENERAL PROVISIONS MERCHANT BANKING INVESTMENTS § 1500.7 How do the...

  9. DETERMINANTS OF PERFORMANCE IN INDONESIAN BANKING:A CROSS-SECTIONAL AND DYNAMIC PANEL DATA ANALYSIS

    Directory of Open Access Journals (Sweden)

    Buyung Sarita

    2012-07-01

    Full Text Available This paper examines determinants of bank performance inIndonesia for theperiod of 1994-1999. It was pooled cross-sectional time series and dynamic paneldata models. This research incorporates the traditional Structure-Conduct-Performance (SCP and Relative Efficiency (RE hypotheses. The estimationresults show that bank performance industry is competitive, and implies thatmarket structure in Indonesian banking sector is nearly perfect competition.However, no evidence has been found in this study in support of the traditionalSCP, while RE is otherwise. The negative relationship between loans to businessgroups and bank performance, which is likely due to the high loans provided tothem, thus supporting the moral hazard hypothesis. The negative relationshipbetween market share loan and return on assets, the negative relationship betweendebt-to-total assets and bank performance is likely because of the high level ofdebt. The negative relationship between debt-to-total assets and bank performancein a scenario of high interest rates indicates that banks acted responsibly by payinghigh interest charges prevailing at that time. This also results in the negativerelationship between capital adequacy ratio and bank performance.

  10. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

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

  11. 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...

  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. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  14. Association of Obesity and Cardiometabolic Syndrome in Bank Employees: A Cross Sectional Study

    Directory of Open Access Journals (Sweden)

    Sanjeev S. Walvekar

    2015-01-01

    Full Text Available Background: Metabolic syndrome also referred as cardio metabolic syndrome is identified as the prestate for cardiovascular disease, type 2 diabetes and also for chronic kidney disease. Obesity is considered as the strongest component of metabolic syndrome as per the definition given by different organizations. The easiest way to measure obesity are waist circumference, Body Mass Index (BMI and waist to hip ratio. Aims and Objective: To find the association between microalbuminuria and components of cardiometabolic syndrome in the bank employees and also the association between waist circumference, body mass index and components of cardiometabolic syndrome, microalbumin. Material and Methods: This was a cross sectional study involving 73 subjects working in a reputed bank. Their anthropometric measurements and biochemical parameters like fasting blood glucose, lipid profile, serum cortisol and microalbumin were measured. We defined microalbuminuria as a urinary albumin to creatinine ratio of 30 to 299 mg/gm. Results: out of 73 participants, in 33 participants at least 3-5 parameters of cardiometabolic syndrome were found to be present and were labeled as cardiometabolic syndrome patients. Waist circumference showed positive correlation with age (r=0.498, systolic blood pressure (r=0.500, diastolic blood pressure (r=0.476, fasting blood glucose (r=0.300, triglyceride (r=0.408 and microalbumin (r=0.409. Microalbumin also exhibited a significant positive correlation with age (r=0.404, waist circumference (r=0.419, fasting blood glucose (r=0.476 and HbA1c (r=0.466, while BMI showed negative correlation with microalbumin (r=-0.085. Conclusions: Obesity, one of the parameters of cardiometabolic syndrome measured as waist circumference, is indicative of the syndrome rather than BMI. Microalbumin may be considered as a promising parameter of cardiometabolic syndrome.

  15. 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.

  16. Differences in reporting serious adverse events in industry sponsored clinical trial registries and journal articles on antidepressant and antipsychotic drugs: a cross-sectional study.

    Science.gov (United States)

    Hughes, Shannon; Cohen, David; Jaggi, Rachel

    2014-07-09

    To examine the degree of concordance in reporting serious adverse events (SAEs) from antidepressant and antipsychotic drug trials among journal articles and clinical trial summaries, and to categorise types of discrepancies. Cross-sectional study of summaries of all antidepressant and antipsychotic trials included in an online trial registry and their first associated stand-alone journal articles. Clinicalstudyresults.org, sponsored by Pharmaceutical Research and Manufacturers of America; clinicaltrials.gov, administered by the US National Institutes of Health. 3 coders extracted data on the numbers and types of SAEs. 244 trial summaries for six antidepressant and antipsychotic drugs were retrieved, 142 (58.2%) listing an associated article. Of 1608 SAEs in drug-treated participants according to trial summaries, 694 (43.2%) did not appear in associated articles. Nearly 60% of SAEs counted in articles and 41% in trial summaries had no description. Most cases of death (62.3%) and suicide (53.3%) were not reported in articles. Half or more of the 142 pairs were discordant in reporting the number (49.3%) or description (67.6%) of SAEs. These discrepancies resulted from journal articles' (1) omission of complete SAE data, (2) reporting acute phase study results only and (3) more restrictive reporting criteria. Trial summaries with zero SAE were 2.35 (95% CI, 1.58 to 3.49; pjournal article. Since clinicalstudyresults.org was removed from the Internet in 2011, only 7.8% of retrieved trial summaries appear with results on clinicaltrials.gov. Substantial discrepancies exist in SAE data found in journal articles and registered summaries of antidepressant and antipsychotic drug trials. Two main scientific sources accessible to clinicians and researchers are limited by incomplete, ambiguous and inconsistent reporting. Access to complete and accurate data from clinical trials of drugs currently in use remains a pressing concern. Published by the BMJ Publishing Group Limited

  17. 12 CFR 5.20 - Organizing a bank.

    Science.gov (United States)

    2010-01-01

    ... organizing group (and the sponsoring company, if any), is aware of, and understands, national banking laws... extent directors' qualifying shares are required by law) by other depository institutions or depository institution holding companies (as that term is defined in section 3 of the Federal Deposit Insurance Act, 12 U...

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

    Science.gov (United States)

    2010-01-01

    ... “management fees.” Specifically, the company engages in the following activities for the four nonsubsidiary... the company owns less than 25 percent of the voting shares of these banks, it follows that these... Company Act. (a) The Board of Governors has been requested for an opinion as to whether the performance of...

  20. 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...

  1. 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...

  2. 7 CFR 654.11 - Sponsor(s)' responsibility.

    Science.gov (United States)

    2010-01-01

    ...&M on land administered by that agency. If project measures benefit both Federal and non-Federal land... § 654.11 Sponsor(s)' responsibility. (a) On non-Federal land, sponsor(s) are responsible for financing and performing without cost to the Federal Government, needed operation and maintenance (O&M) of...

  3. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

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

  4. Using the Health Physics Student Volunteer Program for a Research Project Sponsored by the Medical Section of the Health Physics Society.

    Science.gov (United States)

    Steiner, Joseph; Leinwander, Penny

    2017-04-01

    The Health Physics Society (HPS) Medical Health Physics Section (MHPS) received a request to research data on radiation safety guidance related to the death of patients who have recently received therapeutic doses of sealed or unsealed therapy sources. The MHPS elected to use student volunteers to perform this research. The purpose of this manuscript is to describe and provide a template for the process used by the MHPS to develop a student volunteer program. To implement the student volunteer program, the MHPS collaborated with the HPS Student Support Committee to develop a research proposal and a student volunteer selection process. The research proposal was sent to HPS student members in a call for volunteers. Two student volunteers were chosen based on predetermined qualifications to complete the work effort outlined in the research proposal. This project progressed with the use of milestones and culminated with the students presenting their findings at the annual HPS meeting. The students received HPS student travel awards to present at the conference. This work effort proved to be extremely beneficial to all parties involved.

  5. 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.

  6. 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...

  7. 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

  8. 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...

  9. 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...

  10. 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.

  11. 14 CFR 152.103 - Sponsors: Airport development.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Sponsors: Airport development. 152.103 Section 152.103 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF TRANSPORTATION... Sponsors: Airport development. (a) To be eligible to apply for a project for airport development with...

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

    Science.gov (United States)

    2010-01-01

    ... installment paper purchased by Corporation X was sold by it to a bank which is a subsidiary of Holding Company... subsidiary banks in “auditing, appraising, investment counseling”. The statute as finally enacted does not.... (84th Cong., 2d Sess., Senate Report 1095, Part 2, p. 3.) It nevertheless seems evident that Congress...

  13. 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

  14. The World Bank and the Poor

    NARCIS (Netherlands)

    A.J.M. van de Laar

    1979-01-01

    textabstractIn contrast to many other symposia that have been sponsored by the Bank since its research programme became more firmly established nearly a decade ago, the current seminar attempts to assess the Bank's own lending practices. In the past, the Bank has too often and too long maintained an

  15. Employer-sponsored pension plans

    OpenAIRE

    Rakonjac-Antić Tatjana N.

    2004-01-01

    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 re...

  16. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1) The...

  17. 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...

  18. 12 CFR 225.109 - “Services” under section 4(c)(1) of Bank Holding Company Act.

    Science.gov (United States)

    2010-01-01

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

  19. 45 CFR 2553.24 - What are a sponsor's responsibilities for securing community participation?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's responsibilities for securing community participation? 2553.24 Section 2553.24 Public Welfare Regulations Relating to Public Welfare... Eligibility and Responsibilities of a Sponsor § 2553.24 What are a sponsor's responsibilities for securing...

  20. 45 CFR 2551.24 - What are a sponsor's responsibilities for securing community participation?

    Science.gov (United States)

    2010-10-01

    ... Responsibilities of a Sponsor § 2551.24 What are a sponsor's responsibilities for securing community participation... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's responsibilities for securing community participation? 2551.24 Section 2551.24 Public Welfare Regulations Relating to Public Welfare...

  1. 45 CFR 2552.24 - What are a sponsor's responsibilities for securing community participation?

    Science.gov (United States)

    2010-10-01

    ... Responsibilities of a Sponsor § 2552.24 What are a sponsor's responsibilities for securing community participation... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's responsibilities for securing community participation? 2552.24 Section 2552.24 Public Welfare Regulations Relating to Public Welfare...

  2. 5 CFR 792.211 - What is the definition of a Federally sponsored child care center?

    Science.gov (United States)

    2010-01-01

    ... sponsored child care center? 792.211 Section 792.211 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... sponsored child care center? The term Federally sponsored child care center, for the purposes of this subpart, is a child care center that is located in a building or space that is owned or leased by the...

  3. 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.

  4. 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.

  5. 31 CFR 103.187 - Special measures against Myanmar Mayflower Bank and Asia Wealth Bank.

    Science.gov (United States)

    2010-07-01

    ... Mayflower Bank and Asia Wealth Bank. 103.187 Section 103.187 Money and Finance: Treasury Regulations... Anti-Money Laundering Programs Law Enforcement Access to Foreign Bank Records § 103.187 Special measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...

  6. 12 CFR 34.84 - Future bank expansion.

    Science.gov (United States)

    2010-01-01

    ... 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 APPRAISALS Other Real Estate Owned § 34.84 Future bank expansion. A national bank normally should use real...

  7. 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...

  8. 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.

  9. 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...

  10. 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...

  11. Banking contracts

    OpenAIRE

    Sochorová, Silvie

    2012-01-01

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

  12. Cross-sectional analysis of BioBank Japan clinical data: A large cohort of 200,000 patients with 47 common diseases.

    Science.gov (United States)

    Hirata, Makoto; Kamatani, Yoichiro; Nagai, Akiko; Kiyohara, Yutaka; Ninomiya, Toshiharu; Tamakoshi, Akiko; Yamagata, Zentaro; Kubo, Michiaki; Muto, Kaori; Mushiroda, Taisei; Murakami, Yoshinori; Yuji, Koichiro; Furukawa, Yoichi; Zembutsu, Hitoshi; Tanaka, Toshihiro; Ohnishi, Yozo; Nakamura, Yusuke; Matsuda, Koichi

    2017-03-01

    To implement personalized medicine, we established a large-scale patient cohort, BioBank Japan, in 2003. BioBank Japan contains DNA, serum, and clinical information derived from approximately 200,000 patients with 47 diseases. Serum and clinical information were collected annually until 2012. We analyzed clinical information of participants at enrollment, including age, sex, body mass index, hypertension, and smoking and drinking status, across 47 diseases, and compared the results with the Japanese database on Patient Survey and National Health and Nutrition Survey. We conducted multivariate logistic regression analysis, adjusting for sex and age, to assess the association between family history and disease development. Distribution of age at enrollment reflected the typical age of disease onset. Analysis of the clinical information revealed strong associations between smoking and chronic obstructive pulmonary disease, drinking and esophageal cancer, high body mass index and metabolic disease, and hypertension and cardiovascular disease. Logistic regression analysis showed that individuals with a family history of keloid exhibited a higher odds ratio than those without a family history, highlighting the strong impact of host genetic factor(s) on disease onset. Cross-sectional analysis of the clinical information of participants at enrollment revealed characteristics of the present cohort. Analysis of family history revealed the impact of host genetic factors on each disease. BioBank Japan, by publicly distributing DNA, serum, and clinical information, could be a fundamental infrastructure for the implementation of personalized medicine. Copyright © 2017 The Authors. Production and hosting by Elsevier B.V. All rights reserved.

  13. 13 CFR 106.300 - Fee Based SBA-Sponsored Activity.

    Science.gov (United States)

    2010-01-01

    ...-Sponsored Activities pursuant to section 4(h) of the Small Business Act. ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Fee Based SBA-Sponsored Activity. 106.300 Section 106.300 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION COSPONSORSHIPS...

  14. 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

  15. 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

  16. 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...

  17. 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

  18. 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)

  19. 12 CFR 225.124 - Foreign bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Foreign bank holding companies. 225.124 Section... 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...

  20. 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...

  1. 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...

  2. 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...

  3. 12 CFR 204.8 - International banking facilities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false International banking facilities. 204.8 Section 204.8 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) § 204.8 International banking facilities...

  4. 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...

  5. 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...

  6. Sponsors' participation in conduct and reporting of industry trials

    DEFF Research Database (Denmark)

    Lundh, Andreas; Krogsbøll, Lasse T; Gøtzsche, Peter C

    2012-01-01

    Bias in industry-sponsored trials is common and the interpretation of the results can be particularly distorted in favour of the sponsor's product. We investigated sponsors' involvement in the conduct and reporting of industry-sponsored trials.......Bias in industry-sponsored trials is common and the interpretation of the results can be particularly distorted in favour of the sponsor's product. We investigated sponsors' involvement in the conduct and reporting of industry-sponsored trials....

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  12. 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 Banking institution. The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or...

  13. Liquidity, Banking, and Bank Failures.

    OpenAIRE

    Williamson, Stephen D

    1988-01-01

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

  14. 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.

  15. 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. 

  16. Bank regulation and banking stability

    NARCIS (Netherlands)

    Boot, A.; Thakor, A.V.

    2014-01-01

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

  17. 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.

  18. Jointly Sponsored Research Program. Final report

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1997-07-01

    The Jointly Sponsored Research Program (JSRP) is a US Department of Energy (DOE) program funded through the Office of Fossil Energy and administered at the Morgantown Energy Technology Center. Under this program, which has been in place since Fiscal Year 1990, DOE makes approximately $2.5 million available each year to the Energy and Environmental Research Center (EERC) to fund projects that are of current interest to industry but which still involve significant risk, thus requiring some government contribution to offset the risk if the research is to move forward. The program guidelines require that at least 50% of the project funds originate from nonfederal sources. Projects funded under the JSRP often originate under a complementary base program, which funds higher-risk projects. The projects funded in Fiscal Year 1996 addressed a wide range of Fossil Energy interests, including hot-gas filters for advanced power systems; development of cleaner, more efficient processing technologies; development of environmental control technologies; development of environmental remediation and reuse technologies; development of improved analytical techniques; and development of a beneficiation technique to broaden the use of high-sulfur coal. Descriptions and status for each of the projects funded during the past fiscal year are included in Section A of this document, Statement of Technical Progress.

  19. 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

  20. 12 CFR 215.10 - Reporting requirement for credit secured by certain bank stock.

    Science.gov (United States)

    2010-01-01

    ... MEMBER BANKS (REGULATION O) § 215.10 Reporting requirement for credit secured by certain bank stock. Each... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Reporting requirement for credit secured by certain bank stock. 215.10 Section 215.10 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF...

  1. 12 CFR 303.184 - Moving an insured branch of a foreign bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Moving an insured branch of a foreign bank. 303.184 Section 303.184 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION PROCEDURE AND RULES OF PRACTICE FILING PROCEDURES International Banking § 303.184 Moving an insured branch of a foreign bank. (a...

  2. 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...

  3. 12 CFR 615.5181 - Bank interest rate risk management program.

    Science.gov (United States)

    2010-01-01

    ....5181 Bank interest rate risk management program. (a) The board of directors of each Farm Credit Bank... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank interest rate risk management program. 615.5181 Section 615.5181 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND...

  4. 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...

  5. 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...

  6. 12 CFR 211.23 - Nonbanking activities of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Nonbanking activities of foreign banking organizations. 211.23 Section 211.23 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking Organizations § 211.23...

  7. 12 CFR 1500.3 - What are the holding periods permitted for merchant banking investments?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false What are the holding periods permitted for merchant banking investments? 1500.3 Section 1500.3 Banks and Banking DEPARTMENT OF THE TREASURY GENERAL PROVISIONS MERCHANT BANKING INVESTMENTS § 1500.3 What are the holding periods permitted for merchant banking...

  8. 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...

  9. 12 CFR 7.5005 - National bank acting as digital certification authority.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank acting as digital certification authority. 7.5005 Section 7.5005 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Electronic Activities § 7.5005 National bank acting as digital...

  10. 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...

  11. 12 CFR 362.3 - Activities of insured State banks.

    Science.gov (United States)

    2010-01-01

    ... Section 362.3 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF... shall in no event exceed, when made, 100 percent of the bank's tier one capital as measured on the bank... depository institution is subject to examination and regulation by a State bank supervisor; the voting stock...

  12. 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...

  13. 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... POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Surplus and Collateral Requirements § 615.5335 Bank net collateral ratio. (a) Each bank shall achieve and at all times maintain a net collateral ratio of at least...

  14. Section 32 Program. Streambank Erosion Control Evaluation and Demonstration. Work Unit 2. Evaluation of Existing Bank Protection. Field Inspection of the Mill Creek Midfloodway Gabion Barrier in the Los Agneles District,

    Science.gov (United States)

    1980-04-01

    flow channel (paragraph 13) was disposed downstream from and in line with the gabion barrier to provide limited additional protection of the levee and...divert flows away from the levees and under the bridge. The locations of these upstream gabions and a cross- sectional view are shown in Figures 3 and 12...ALUATION AND DEMONSTRATION __ WORK UNIT 2-E-VALUATION OF EXISTING BANK PROTE-CTION 0 FIELD INSPECTION OF THE MILL CREEK MIDFLOOD WAY GABION BARRIER IN THE

  15. 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

    OpenAIRE

    Jawad, Mohammed; Khader, Ali; Millett, Christopher

    2016-01-01

    Background: 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. Methods: 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. ...

  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. 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

  18. 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...

  19. 12 CFR 5.37 - Investment in bank premises.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Investment in bank premises. 5.37 Section 5.37... PROCEDURES FOR CORPORATE ACTIVITIES Expansion of Activities § 5.37 Investment in bank premises. (a) Authority... related investments, loans, or indebtedness, as described in paragraph (d)(1)(i) of this section. (c...

  20. 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.

  1. 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

    ... that it has transferred ownership of, and all rights and interest in, abbreviated new animal drug... HUMAN SERVICES Food and Drug Administration 21 CFR Parts 510 and 522 New Animal Drugs; Change of Sponsor... Administration, HHS. ACTION: Final rule. SUMMARY: The Food and Drug Administration (FDA) is amending the animal...

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

    Science.gov (United States)

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

    2018-01-01

    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. 46 CFR Sec. 2 - Bank account.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Bank account. Sec. 2 Section 2 Shipping MARITIME... TRANSACTIONS UNDER AGENCY AGREEMENTS Accounts Sec. 2 Bank account. A separate joint bank account will be... account. The order will set forth the conditions governing the establishment and maintenance of the...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 14 CFR 152.309 - Availability of sponsor's records.

    Science.gov (United States)

    2010-01-01

    ... the purposes of accounting and audit. (b) The sponsor or planning agency shall allow appropriate FAA... to the sponsor or planning agency. (c) It audit findings have not been resolved, the applicable... sponsor's records. (a) The sponsor or planning agency shall allow any authorized representative of the...

  16. 48 CFR 35.017-1 - Sponsoring agreements.

    Science.gov (United States)

    2010-10-01

    ... sponsoring agreement or sponsoring agencies' policies and procedures: (1) A statement of the purpose and... 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...

  17. Sponsors, Sponsorship Rates and the Immigration Multiplier.

    Science.gov (United States)

    Jasso, Guillermina; Rosenzweig, Mark R.

    1989-01-01

    Reviews evidence of the extent to which U.S. immigrants utilize the family reunification entitlements of immigration laws. Examines two studies of the immigrant cohort: Jasso and Rosenzweig (1986) and the General Accounting Office report (1988). Provides estimates of the characteristics of U.S. citizen sponsors of immigrant spouses and parents.…

  18. Agency-Sponsored Study Abroad Programs

    Science.gov (United States)

    Frey, James S.

    1976-01-01

    Sponsors of these programs include nonprofit organizations, proprietary agencies, wholly owned subsidiaries of U.S. corporations, and foreign-based institutions catering to North American students. Problems arising from their non-accredited status are examined and a criterion instrument for evaluating them is developed. (LBH)

  19. Exploring hereditary cancer among dying cancer patients--a cross-sectional study of hereditary risk and perceived awareness of DNA testing and banking.

    Science.gov (United States)

    Quillin, John Martin; Bodurtha, Joann N; Siminoff, Laura A; Smith, Thomas J

    2010-10-01

    Hereditary cancer assessment at the end of life is a relatively unexplored area, but it could be critical for surviving family members. This study explored the prevalence of hereditary cancer among dying cancer patients and assessed patients' perceived awareness of DNA testing and/or banking in a public access hospital. Palliative care patients with cancer from a single institution (or their medical-decision-making surrogates for patients unable to answer for themselves) completed structured interviews. Information was collected through medical records review and structured interviews for 43 dying cancer patients. Information for 9 patients was collected from surrogates. Nine patients (21%, 95% CI = 8.8% to 33.1%) had strong genetic risk. Currently available genetic tests could have addressed this risk for several patients. None had previous genetic counseling, testing or DNA banking. Among strong-risk patients, about half of patients/surrogates had heard/read "almost nothing" about genetic testing (44%) and DNA banking (67%). Perceived genetic awareness was not associated with genetic risk, and neither were sociodemographic characteristics. The proportion of hereditary cancer may be at least as high in the palliative care population as in other clinical settings, but awareness and uptake among patients are low. These conditions are not being recognized upstream and families are losing valuable information.

  20. 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.

  1. 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

  2. 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

  3. 12 CFR 741.214 - Report of crime or catastrophic act and Bank Secrecy Act compliance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Report of crime or catastrophic act and Bank Secrecy Act compliance. 741.214 Section 741.214 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION... Unions § 741.214 Report of crime or catastrophic act and Bank Secrecy Act compliance. Any credit union...

  4. 12 CFR 225.102 - Bank holding company indirectly owning nonbanking company through subsidiaries.

    Science.gov (United States)

    2010-01-01

    ... which is not a bank holding company and is not engaged in any business other than investing in... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Bank holding company indirectly owning nonbanking company through subsidiaries. 225.102 Section 225.102 Banks and Banking FEDERAL RESERVE SYSTEM...

  5. 12 CFR 225.172 - What are the holding periods permitted for merchant banking investments?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What are the holding periods permitted for merchant banking investments? 225.172 Section 225.172 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED... (REGULATION Y) Regulations Merchant Banking Investments § 225.172 What are the holding periods permitted for...

  6. 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...

  7. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  8. 12 CFR 7.5001 - Electronic activities that are part of, or incidental to, the business of banking.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Electronic activities that are part of, or 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...

  9. 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.

  10. 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.

  11. 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...

  12. Phenomenon of Swiss banking

    Directory of Open Access Journals (Sweden)

    Milenković Ivan

    2015-01-01

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

  13. 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.

  14. Money, Banking and Dynamics: Schumpeter vs. Hayek

    OpenAIRE

    Agnès Festré

    2002-01-01

    In the first section we discuss the Wicksellian origins of Schumpeter's and Hayek's approaches to money and banking in the context of dynamic economic analysis. The second section compares the role played by banks and credit in Schumpeter's and Hayek's explanation of economic fluctuations. We conclude by contrasting both authors' perception of economic dynamics.

  15. 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.

  16. 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...

  17. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  18. 17 CFR 229.1104 - (Item 1104) Sponsors.

    Science.gov (United States)

    2010-04-01

    .... (c) Describe the sponsor's securitization program and state how long the sponsor has been engaged in the securitization of assets. The description must include, to the extent material, a general... material roles and responsibilities in its securitization program, including whether the sponsor or an...

  19. 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.

  20. 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.

  1. Phenomenon of Swiss banking

    OpenAIRE

    Milenković Ivan; Milenković Dragana

    2015-01-01

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

  2. 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

  3. Academic investigator-initiated trials and the challenge of sponsor responsibility: the Cologne Sponsor Model.

    Science.gov (United States)

    Georgias, Christine; Grunow, Andrea; Olderog, Miriam; May, Alexander; Paulus, Ursula

    2012-12-01

    With the amendment to the German Drug Law in 2004, the conduct of clinical trials changed by at least two main aspects: (1) The principles of Good Clinical Practice (GCP) were implemented in the national legislation, and (2) for the first time, the function of the sponsor of a clinical trial and the clinical trial itself have become legally binding definitions. By that, legal differences between industrial and academic clinical trials no longer exist. Clinical trials initiated by investigators have to fulfil the same requirements while the entire sponsor responsibility has to be carried out by the Coordinating Investigator or his institution including implementation of a quality management system according to the GCP. The Cologne Sponsor Model is an effective approach with settings, structures, basic features, action, and reporting lines, as well as funding for clinical trials initiated in an academic environment. The University of Cologne assumes the sponsor responsibility for clinical trials organised by the university researchers according to law. Sponsor's duties are delegated to a central operational unit of the sponsor - the Clinical Trials Center Cologne - which further delegates duties to the Coordinating Investigator. Clinical Trials Center Cologne was established in 2002 to support the performance of clinical trials at the university by offering comprehensive advisory and practical services covering all aspects of study planning and conduct. Furthermore, a specialised division of its quality management department acts as an independent sponsor's Quality Assurance Unit. The Clinical Trials Center Cologne has established a quality management system consisting of different components (1) to enable a reasoned decision to subsequent delegation, (2) for risk-based surveillance of trial conduct (audits, monitoring-checks, and reports), and (3) support and training of the Coordinating Investigator. Double functions of persons and departments in the university

  4. 12 CFR 263.203 - Procedures for reclassifying a state member bank based on criteria other than capital.

    Science.gov (United States)

    2010-01-01

    ... on unsafe or unsound condition shall include: (i) A statement of the bank's capital measures and... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Procedures for reclassifying a state member bank based on criteria other than capital. 263.203 Section 263.203 Banks and Banking FEDERAL RESERVE...

  5. 12 CFR 225.175 - What risk management, record keeping and reporting policies are required to make merchant banking...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What risk management, record keeping and reporting policies are required to make merchant banking investments? 225.175 Section 225.175 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING...

  6. 12 CFR 1500.6 - What risk management, record keeping and reporting policies are required to make merchant banking...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false What risk management, record keeping and reporting policies are required to make merchant banking investments? 1500.6 Section 1500.6 Banks and Banking DEPARTMENT OF THE TREASURY GENERAL PROVISIONS MERCHANT BANKING INVESTMENTS § 1500.6 What risk...

  7. 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

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

    Directory of Open Access Journals (Sweden)

    Ikpefan Ochei Ailemen

    2010-12-01

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

  9. 7 CFR 226.13 - Food service payments to sponsoring organizations for day care homes.

    Science.gov (United States)

    2010-01-01

    ... day care homes. 226.13 Section 226.13 Agriculture Regulations of the Department of Agriculture... care homes. (a) Payments shall be made only to sponsoring organizations operating under an agreement... children and eligible enrolled children of day care home providers, at approved day care homes. (b) Each...

  10. 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...

  11. 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

  12. 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...

  13. 12 CFR 7.5008 - Location of a national bank conducting electronic activities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Location of a national bank conducting electronic activities. 7.5008 Section 7.5008 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... it physically maintains technology, such as a server or automated loan center, in that state, or...

  14. 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.

  15. Section 32 Program. Streambank Erosion Control Evaluation and Demonstration. Work Unit 2. Evaluation of Existing Bank Protection. Inspection of Sites in Albuquerque District,

    Science.gov (United States)

    1977-11-01

    with the gabion installation in August 1975. On 5 September 1975 when the first course of gabions had been partially installed, high creek flows caused...a suspension of the work. These flows resulted in damage to the uncompleted gabion revetment and to the levee embankment. An additional inspection...CE, has currently proposed monitoring of four existing sites in the Section 32 Program. One 0 proposed site, the gabion protection works on Cuchillo

  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. 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.

  18. 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.

  19. 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

  20. 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

  1. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  2. 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 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) SULFUR DIOXIDE ALLOWANCE SYSTEM Allowance Tracking System § 73.36 Banking. (a) Compliance accounts. Any allowance in a...

  3. 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...

  4. 5 CFR 792.226 - How may an agency disburse funds to a Federally sponsored child care center in a multi-tenant...

    Science.gov (United States)

    2010-01-01

    ... Federally sponsored child care center in a multi-tenant building? 792.226 Section 792.226 Administrative... agency disburse funds to a Federally sponsored child care center in a multi-tenant building? In a multi...' HEALTH AND COUNSELING PROGRAMS Agency Use of Appropriated Funds for Child Care Costs for Lower Income...

  5. 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.

  6. 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

  7. 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.

  8. 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).

  9. 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...

  10. 76 FR 2807 - New Animal Drugs; Change of Sponsor

    Science.gov (United States)

    2011-01-18

    ... HUMAN SERVICES Food and Drug Administration 21 CFR Part 510 New Animal Drugs; Change of Sponsor AGENCY...) is amending the animal drug regulations to reflect a change of sponsor for hemoglobin glutamer-200... ownership of, and all rights and interest in, NADA 141-067 for OXYGLOBIN (hemoglobin glutamer-200) to OPK...

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

    African Journals Online (AJOL)

    6This article makes a specific contribution to studies on the use of on-site employer-sponsored ... 7Key words: absenteeism, child care, types of absenteeism, family-friendly practices, employer-sponsored child care ...... models to study the absence-taking process', Journal of Applied Psychology, 74: 300–316. Harrison, D.A. ...

  12. 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…

  13. 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...

  14. 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 ...

  15. 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...

  16. 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 NATIONAL INDIAN GAMING COMMISSION, DEPARTMENT OF THE INTERIOR GENERAL PROVISIONS DEFINITIONS OF THIS CHAPTER § 502.11 House banking game. House banking game means any game of chance that is played with the...

  17. 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.

  18. 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...

  19. 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

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What are the limitations on managing or operating a portfolio company held as a merchant banking investment? 225.171 Section 225.171 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING...

  20. 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

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false What are the limitations on managing or operating a portfolio company held as a merchant banking investment? 1500.2 Section 1500.2 Banks and Banking DEPARTMENT OF THE TREASURY GENERAL PROVISIONS MERCHANT BANKING INVESTMENTS § 1500.2 What are the limitations...

  1. 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

  2. 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.

  3. 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.

  4. 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

    ..., 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 BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED...

  5. 12 CFR 201.107 - Eligibility of demand paper for discount and as security for advances by Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 305, as follows: The words on demand serve the same purpose as words making instruments payable at a... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Eligibility of demand paper for discount and as security for advances by Reserve Banks. 201.107 Section 201.107 Banks and Banking FEDERAL RESERVE SYSTEM...

  6. 12 CFR 900.1 - Basic terms relating to the Finance Board, the Bank System and related entities.

    Science.gov (United States)

    2010-01-01

    ... Bank System and related entities. 900.1 Section 900.1 Banks and Banking FEDERAL HOUSING FINANCE BOARD... relating to the Finance Board, the Bank System and related entities. As used throughout this chapter, the following basic terms relating to the Finance Board, the Bank System and related entities have the meanings...

  7. 12 CFR 404.35 - Procedures for requests for Ex-Im Bank employees to provide expert or opinion testimony.

    Science.gov (United States)

    2010-01-01

    ... employees to provide expert or opinion testimony. 404.35 Section 404.35 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES INFORMATION DISCLOSURE Demands for Testimony of Current and Former Ex-Im Bank... Bank documents. Any demand for expert or opinion testimony shall comply with the policies and...

  8. 12 CFR 269.3 - Recognition of a labor organization and its relationship to a Federal Reserve Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Recognition of a labor organization and its relationship to a Federal Reserve Bank. 269.3 Section 269.3 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED... requirements; use of technology and organization of work; and action to meet emergency situations; (2...

  9. 12 CFR 362.8 - Restrictions on activities of insured state nonmember banks affiliated with certain securities...

    Science.gov (United States)

    2010-01-01

    ... nonmember banks. (b) An insured state nonmember bank is prohibited from becoming or remaining affiliated... nonmember banks affiliated with certain securities companies. 362.8 Section 362.8 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY ACTIVITIES OF INSURED STATE...

  10. 12 CFR 225.82 - How does a bank holding company elect to become a financial holding company?

    Science.gov (United States)

    2010-01-01

    ... financial holding company, or enforcing compliance with applicable law. ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false How does a bank holding company elect to become a financial holding company? 225.82 Section 225.82 Banks and Banking FEDERAL RESERVE SYSTEM...

  11. 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

  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. 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...

  14. 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....

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

    Directory of Open Access Journals (Sweden)

    Titon Adrinanto

    2016-02-01

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

  16. 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 ...

  17. 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...

  18. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  19. 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...

  20. 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.

  1. Alternatives to retaliation in response to state sponsored terrorist attacks

    OpenAIRE

    Evans, Paul James

    2014-01-01

    Approved for public release; distribution is unlimited We consider a game played between a state sponsor of international terrorism, a terrorist organization and the victim of a terrorist attack. The state sponsor wishes to inflict as much damage to the victim as possible without risking retaliation. The victim state wishes to end these attacks as soon as possible, through non-retaliatory means if possible in order to avoid the penalty associated with retaliation. In this thesis we compare...

  2. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

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

  3. 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

  4. Bank profitability during recessions

    NARCIS (Netherlands)

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

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

  5. 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

  6. 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...

  7. 26 CFR 301.7507-1 - Banks and trust companies covered.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Banks and trust companies covered. 301.7507-1... States § 301.7507-1 Banks and trust companies covered. (a) Section 7507 applies to any national bank, or bank or trust company organized under State law, a substantial portion of the business of which...

  8. 12 CFR 225.21 - Prohibited nonbanking activities and acquisitions; exempt bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... exempt from the provisions of this subpart: (1) Family-owned companies. Any company that is a “company... company that has controlled only one bank since before July 1, 1968, and that has been granted an... acquisitions; exempt bank holding companies. 225.21 Section 225.21 Banks and Banking FEDERAL RESERVE SYSTEM...

  9. 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...

  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. Wisdom for Building the Project Manager/Project Sponsor Relationship: Partnership for Project Success

    National Research Council Canada - National Science Library

    Patton, Nanette; Shechet, Allan

    2007-01-01

    The project sponsor can promote information technology (IT) project success in several ways, yet many projects either have no formally designated project sponsor or the project sponsor is confused about his/her...

  12. 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.

  13. 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.

  14. MARKET FOR INVESTMENT BANKING PRODUCTS IN MODERN ECONOMY

    Directory of Open Access Journals (Sweden)

    Leszek Michalczyk

    2012-04-01

    Full Text Available This article is divided into four sections. In the first one, we describe the origin and history of investment banking, with particular focus on the economic conditions that led to its birth in the United States. The second part considers those products offered by investments banks which are available to Polish entrepreneurs and individual clients willing to introduce their financial resources to the capital market. In the fourth, and last, section of the present article, we look at those areas of investment banking which stand a chance to flourish in the aftermath of the crisis. In this last section, we also touch on matters of international scope, which is necessitated by the fact that specialist (i.e. separate from domestic universal banking investment banking in Poland is the preserve of foreign investment banks and their Polish branches.

  15. 45 CFR 2552.103 - Must a sponsor be required to enroll non-stipended Foster Grandparents?

    Science.gov (United States)

    2010-10-01

    ... Foster Grandparents? 2552.103 Section 2552.103 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE FOSTER GRANDPARENT PROGRAM Non-Stipended Foster Grandparents § 2552.103 Must a sponsor be required to enroll non-stipended Foster Grandparents? Enrollment of...

  16. 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...

  17. 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.)

  18. [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.

  19. Modelling Emotional and Attitudinal Evaluations of Major Sponsors

    DEFF Research Database (Denmark)

    Martensen, Anne; Hansen, Flemming

    2004-01-01

    equation model where the drivers are attitudes towards thesponsorship and emotions towards the sponsorship. It is found that the two classes ofvariables describe different aspects of the perception of sponsorships, and that they bothcontribute significantly to the overall value of sponsoring...... for a particular company. In thepresent paper, two cases are shown for two major sponsors. The specified Sponsor ValueModel is estimated by a partial least squares (PLS) method. It is found that the two sponsorsare perceived differently, both in terms of emotional and attitudinal responses. It is also foundthat...... the emotional responses aroused by the sponsorships are at least as important as thoseascribable to attitudinal elements.Key words: Sponsorship, emotional response, attitudes towards sponsorship, structuralequation model...

  20. 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.)

  1. 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.

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

    Directory of Open Access Journals (Sweden)

    Haadi Babatunde Asiyanbi

    2018-09-01

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

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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.

  9. 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...

  10. FPGA Implementations of Bireciprocal Lattice Wave Discrete Wavelet Filter Banks

    Directory of Open Access Journals (Sweden)

    Jassim M. Abdul-Jabbar

    2012-06-01

    Full Text Available In this paper, a special type of IIR filter banks; that is the bireciprocal lattice wave digital filter (BLWDF bank, is presented to simulate scaling and wavelet functions of six-level wavelet transform. 1st order all-pass sections are utilized for the realization of such filter banks in wave lattice structures. The resulting structures are a bireciprocal lattice wave discrete wavelet filter banks (BLW-DWFBs. Implementation of these BLW-DWFBs are accomplished on Spartan-3E FPGA kit. Implementation complexity and operating frequency characteristics of such discrete wavelet 5th order filter bank is proved to be comparable to the corresponding characteristics of the lifting scheme implementation of Bio. 5/3 wavelet filter bank. On the other hand, such IIR filter banks possess superior band discriminations and perfect roll-off frequency characteristics when compared to their Bio. 5/3 wavelet FIR counterparts.

  11. 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...

  12. 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

  13. 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

  14. 45 CFR 2552.23 - What are a sponsor's program responsibilities?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's program responsibilities... Sponsor § 2552.23 What are a sponsor's program responsibilities? A sponsor shall: (a) Focus Foster... project's service area. (b) Assess in collaboration with other community organizations or utilize existing...

  15. 45 CFR 2551.23 - What are a sponsor's program responsibilities?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's program responsibilities... Sponsor § 2551.23 What are a sponsor's program responsibilities? A sponsor shall: (a) Focus Senior... within the project's service area. (b) Assess in collaboration with other community organizations or...

  16. 45 CFR 2552.25 - What are a sponsor's administrative responsibilities?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's administrative... a Sponsor § 2552.25 What are a sponsor's administrative responsibilities? A sponsor shall: (a... delegated to project staff for NSSC program(s) within its control. A full-time project director shall not...

  17. 45 CFR 2551.25 - What are a sponsor's administrative responsibilities?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's administrative... Sponsor § 2551.25 What are a sponsor's administrative responsibilities? A sponsor shall: (a) Assume full... program(s) within its control. A full-time project director shall not serve concurrently in another...

  18. 45 CFR 2553.25 - What are a sponsor's administrative responsibilities?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's administrative... Responsibilities of a Sponsor § 2553.25 What are a sponsor's administrative responsibilities? A sponsor shall: (a... delegated to project staff for NSSC program(s) within its control. A full-time project director shall not...

  19. 45 CFR 2553.23 - What are a sponsor's program responsibilities?

    Science.gov (United States)

    2010-10-01

    ... Responsibilities of a Sponsor § 2553.23 What are a sponsor's program responsibilities? A sponsor shall: (a) Focus RSVP resources to have a positive impact on critical human and social needs within the project service... 45 Public Welfare 4 2010-10-01 2010-10-01 false What are a sponsor's program responsibilities...

  20. 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…

  1. Sponsorship recall and recognition of official sponsors of the 2010 ...

    African Journals Online (AJOL)

    With escalating interest in sports globally, sport sponsorship has emerged as a platform that provides sponsoring companies with a chance of securing a competitive advantage. Events of high magnitude such as the 2010 FIFA World Cup™, which was the world's largest football event hosted in South Africa (SA), offered ...

  2. Tax Exempt Organizations and Commercially Sponsored Scientific Research.

    Science.gov (United States)

    Kertz, Consuelo Lauda

    1982-01-01

    Several related tax issues important to both the commercial sponsors and tax-exempt recipients of research funding are addressed: what type of activity qualified as scientific research; how acceptance of commercial funding affects tax-exempt status; and when the receipt of such funding generates a liability for tax on unrelated business income.…

  3. 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...

  4. A DST Sponsored Workshop on Methods in Behavioural Ecology ...

    Indian Academy of Sciences (India)

    A DST Sponsored Workshop on Methods in. Behavioural Ecology. Centre for Ecological Sciences, Indian Institute of Science, Bangalore 560 012, India. 15-29 January 2006. Aimed at Young Teachers and Senior Research Students The course will cover lectures on several aspects of Behavioral ecology including, ...

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

    African Journals Online (AJOL)

    The relationship between absenteeism and employer-sponsored child care. B Anderson, DJ Geldenhuys. Abstract. Given the high loss of revenue due to absenteeism, exploring different ways of managing absenteeism in South African companies, such as family-friendly practices, has become important. Establishing onsite

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

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

    2015-05-12

    12 mai 2015 ... An IDRC-sponsored symposium exploring the impact of the Internet on economic growth and public service delivery in the Caribbean was held in Saint Andrew, Jamaica, on May 12, 2015. Discussions from the symposium will feed into the 2016 World Development Report: Internet for Development.

  7. 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.

  8. 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 ...

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

    OpenAIRE

    Adusei, Michael

    2015-01-01

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

  10. 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.

  11. 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

  12. 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 ...

  13. Central Bank (Supervision and Enforcement) (Amendment) Bill 2016: Legislative Bill

    DEFF Research Database (Denmark)

    Butler, Graham; Rock, Noel

    2016-01-01

    Private Members' Bill (legislation) introduced in Dáil Éireann (House of Deputies), Houses of the Oireachtas (Irish Parliament). An Act to amend sections 49 and 51 of the Central Bank (Supervision and Enforcement) Act 2013 to ensure the powers exercised by the Central Bank of Ireland to make...... regulations, conferred by the Central Bank (Supervision and Enforcement) Act 2013 are fit for purpose; and to provide for related matters....

  14. Essays on historical banking

    NARCIS (Netherlands)

    Dwarkasing, N.R.D.

    2014-01-01

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

  15. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

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

  16. 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

  17. iBank

    Science.gov (United States)

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

    2012-01-01

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

  18. Competition in EU banking

    NARCIS (Netherlands)

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

    2017-01-01

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

  19. 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

  20. 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

  1. Three essays on banking

    NARCIS (Netherlands)

    Vlahu, R.E.

    2011-01-01

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

  2. 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

  3. 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

  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. Unfulfilled translation opportunities in industry sponsored clinical trials.

    Science.gov (United States)

    Smed, Marie; Getz, Kenneth A

    2013-05-01

    Knowledge generated by site representatives through their participation in clinical trials is valuable for testing new products in use and obtaining final market approval. The leverage of this important knowledge is however challenged as the former direct relationships between in-house staff 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 research exists on the full range of clinical practice insights obtained by investigators during and after clinical trials and how well these insights are transferred to study sponsors. This study explores the important knowledge-transfer processes between sites and sponsors and to what extent sites' 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 knowledge gained by physicians in the process of clinical trials. These restrictions to knowledge-transfer between site and sponsor are further challenged if CRO partners are integrated in the trial process. Copyright © 2013 Elsevier Inc. All rights reserved.

  6. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mirela CIOCAN

    2014-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  8. 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

  9. 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.

  10. 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...

  11. 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...

  12. Increasing the competitiveness of banks

    OpenAIRE

    Badaeva V.; Makukhina Y.

    2017-01-01

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

  13. Global Banking: Transformation, Innovation & Competition

    Directory of Open Access Journals (Sweden)

    Korobov Yury

    2017-01-01

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

  14. Nonindustry-sponsored preclinical studies on statins yield greater efficacy estimates than industry-sponsored studies: a meta-analysis.

    Science.gov (United States)

    Krauth, David; Anglemyer, Andrew; Philipps, Rose; Bero, Lisa

    2014-01-01

    Industry-sponsored clinical drug studies are associated with publication of outcomes that favor the sponsor, even when controlling for potential bias in the methods used. However, the influence of sponsorship bias has not been examined in preclinical animal studies. We performed a meta-analysis of preclinical statin studies to determine whether industry sponsorship is associated with either increased effect sizes of efficacy outcomes and/or risks of bias in a cohort of published preclinical statin studies. We searched Medline (January 1966-April 2012) and identified 63 studies evaluating the effects of statins on atherosclerosis outcomes in animals. Two coders independently extracted study design criteria aimed at reducing bias, results for all relevant outcomes, sponsorship source, and investigator financial ties. The I(2) statistic was used to examine heterogeneity. We calculated the standardized mean difference (SMD) for each outcome and pooled data across studies to estimate the pooled average SMD using random effects models. In a priori subgroup analyses, we assessed statin efficacy by outcome measured, sponsorship source, presence or absence of financial conflict information, use of an optimal time window for outcome assessment, accounting for all animals, inclusion criteria, blinding, and randomization. The effect of statins was significantly larger for studies sponsored by nonindustry sources (-1.99; 95% CI -2.68, -1.31) versus studies sponsored by industry (-0.73; 95% CI -1.00, -0.47) (p valuefinancial conflict information, use of an optimal time window for outcome assessment, accounting for all animals, inclusion criteria, blinding, and randomization. Possible reasons for the differences between nonindustry- and industry-sponsored studies, such as selective reporting of outcomes, require further study.

  15. Banking in transition economies : does foreign ownership enhance profitability?

    NARCIS (Netherlands)

    Lensink, B.W.; Naaborg, I.

    2008-01-01

    This paper studies the relationship between foreign ownership and bank performance. A cross-section of 216 banks in transition economies in Central and Eastern Europe and Central Asia is used. In the analyses a continuous foreign ownership variable is applied. The results are checked by using a

  16. Banking in Transition Economies: Does Foreign Ownership Enhance Profitability?

    NARCIS (Netherlands)

    Lensink, B.W.; Naaborg, I.

    2008-01-01

    This paper studies the relationship between foreign ownership and bank performance. A cross-section of 216 banks in transition economies in Central and Eastern Europe and Central Asia is used. In the analyses a continuous foreign ownership variable is applied. The results are checked by using a

  17. 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...

  18. 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 ...

  19. 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...

  20. 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.

  1. 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.

  2. 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.

  3. Unfulfilled translation opportunities in industry sponsored clinical trials

    DEFF Research Database (Denmark)

    Smed, Marie; Getz, Kenneth A.

    2013-01-01

    Knowledge generated by site representatives through their participation in clinical trials is valuable for testing new products in use and obtaining final market approval. The leverage of this important knowledge is however challenged as the former direct relationships between in-house staff...... 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...

  4. 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 ...

  5. 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

  6. 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...

  7. 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 (pBrazil. Trials involving subjects with less than 15 years of age, those with targeted recruitment of at least 1,000 subjects, and seven sponsors were identified as significant predictors of trial placement in Brazil. No clear direct competition between Brazil and other emerging countries was detected. South Korea showed the higher proportion of sites and ranked third in total number of trials, appearing as a major player in attractiveness for biopharmaceutical industry-sponsored clinical trials.

  8. 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...

  9. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

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

  10. 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)

  11. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

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

  12. 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....

  13. 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

  14. Banking in southern Europe

    OpenAIRE

    Lazarević Žarko

    2014-01-01

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

  15. 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.

  16. 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.

  17. 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...

  18. 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.

  19. Can consumers bank on mergers?

    OpenAIRE

    Kerton, Robert / R

    2003-01-01

    How big do banks need to be to gain all the economies of scale? The largest Canadian banks already achieve scale economies and further increases in size can make them "too big to fail." Available evidence indicates normal monopoly risks will be passed on to Canadian firms and consumers if the largest banks merge. Improved service will make Canada's banks world competitive. Despite the banks' enthusiasm for heft to enter the US market, policy measures exist to prevent mergers that are contr...

  20. 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.

  1. 12 CFR 7.1021 - National bank participation in financial literacy programs.

    Science.gov (United States)

    2010-01-01

    ... literacy programs. 7.1021 Section 7.1021 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... literacy programs. A national bank may participate in a financial literacy program on the premises of, or... financial literacy program is conducted; and (b) The principal purpose of the financial literacy program is...

  2. 75 FR 79440 - Financial Crimes Enforcement Network; Bank Secrecy Act Advisory Group; Solicitation of...

    Science.gov (United States)

    2010-12-20

    ... Representatives--Banking (2 vacancies). Industry Representatives--Securities/Futures (1 vacancy). Organizations... Bank Secrecy Act, 31 CFR part 103 et seq. (future 31 CFR part 1000 et seq.) or Section 6050I of the... its involvement with the Bank Secrecy Act, 31 CFR part 103 et seq. (future 31 CFR part 1000 et seq...

  3. 12 CFR 250.403 - Service of member bank and real estate investment company.

    Science.gov (United States)

    2010-01-01

    ... in the minds of the public with the bank that any financial reverses suffered by the company might... Board took the position that a closed-end investment company which was in process of organization and... investment company. 250.403 Section 250.403 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

  4. 12 CFR 225.143 - Policy statement on nonvoting equity investments by bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... CONTROL (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.143 Policy statement... nonvoting in the hands of the investing company, may result in such a substantial position of leverage over... investments by bank holding companies. 225.143 Section 225.143 Banks and Banking FEDERAL RESERVE SYSTEM...

  5. 12 CFR 1261.11 - Conflict-of-interests policy for Bank directors.

    Science.gov (United States)

    2010-01-01

    .... 1261.11 Section 1261.11 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS..., property, or relationship that involves receiving or providing something of monetary value, and includes... whom a director has a business relationship, including, but not limited to: (i) Any corporation or...

  6. 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...

  7. 12 CFR 350.12 - Disclosure required by applicable banking or securities law or regulations.

    Science.gov (United States)

    2010-01-01

    ... securities law or regulations. 350.12 Section 350.12 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY DISCLOSURE OF FINANCIAL AND OTHER INFORMATION BY FDIC-INSURED... made under applicable banking or securities law or regulations. [62 FR 10201, Mar. 6, 1997] ...

  8. An Assessment Of Service Quality In Three Banks Operating In Ghana

    African Journals Online (AJOL)

    An assessment of the service quality of three banks operating in Ghana has been undertaken to establish the relationship between service quality and level of customer satisfaction in the banking industry in Ghana. The methodology was based on a cross sectional study of three hundred bank customers selected from three ...

  9. 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...

  10. 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.

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

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

    2016-04-15

    Apr 15, 2016 ... The Mona ICT Policy Centre, the Caribbean Institute of Media and Communication and the University of the West Indies hosted the meeting, in partnership with the World Bank and IDRC. The symposium provided an opportunity for experts from the Caribbean and elsewhere to examine the impact of ...

  12. 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.

  13. Banking in southern Europe

    Directory of Open Access Journals (Sweden)

    Lazarević Žarko

    2014-01-01

    Full Text Available The nations discussed here (Italy, Spain, Portugal and Greece have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begin with, if the lands of the North-Western Europe were large capital exporters, then the South European nations were the importers of this capital. The role of foreign capital, i.e., foreign banks, was great and irreplaceable in the development of banking. The second element in common was a large role of state in the economy in general. Under the circumstances of underdeveloped entrepreneurial environment, the state, through its economic activities, would become the driving force of overall economic and social development. This was also or especially the case with banking. Role played by the state only began to diminish towards the end of the 1980s, in the course of the processes of deregulation and liberalisation both at the international level as well as within the then European Economic Community or subsequent European Union. Already during the preparatory processes prior to the admission into the European Economic Community, Spain, Greece and Portugal, and, however, Italy as well, but due to European Directives it had to abide by, began comprehensive processes of restructuring their national banking systems. Since the second half of the 1980s, banking systems were subjected to liberalisation, deregulation and privatisation.

  14. 22 CFR Appendix A to Part 62 - Certification of Responsible Officers and Sponsors

    Science.gov (United States)

    2010-04-01

    ... Sponsors A Appendix A to Part 62 Foreign Relations DEPARTMENT OF STATE PUBLIC DIPLOMACY AND EXCHANGES...__. Subscribed and sworn to before me this ______ day of ______, 19__. Notary Public 2. Sponsors. I hereby...__. Notary Public ...

  15. "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

  16. New Product Development. Engineering and Commerce Students Join Forces with a Corporate Sponsor.

    Science.gov (United States)

    Audet, Josee; Pegna, Joseph

    2001-01-01

    Mechanical engineering and business student teams developed new products using a corporate sponsor's technology in a simulated business setting. Students learned about product development and venture start-up, and the sponsor gained new applications for its patented technology. (SK)

  17. EUROPEAN RETAIL BANKING INTEGRATION UNDER EMU: FACTS AND CHALLENGES

    Directory of Open Access Journals (Sweden)

    Andreea Avadanei

    2011-01-01

    Full Text Available The aim of the present paper is to highlight the Economic and Monetary Union (EMUimplications in sustaining European retail banking integration. This research is structuredon three sections, as follows: section one illustrates the limits and perspectives of EuropeanUnion card market developments, the second analyses a set of financial indicators used inorder to assess the level of retail banking integration and the third presents the actual stageof market integration. Our concluding remarks indicate that Eurozone retail banking marketis still fragmented, while the wholesale interbank market and capital market-relatedactivities are characterized by a much higher degree of integration.

  18. 12 CFR 218.771 - Exemption from the definition of “broker” for banks effecting transactions in securities issued...

    Science.gov (United States)

    2010-01-01

    ... banks effecting transactions in securities issued pursuant to Regulation S. 218.771 Section 218.771... BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R) § 218.771... Regulation S. (a) A bank is exempt from the definition of the term “broker” under section 3(a)(4) of the Act...

  19. 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.

  20. Stricter Employment Protection and Firms' Incentives to Sponsor Training

    DEFF Research Database (Denmark)

    Messe, Pierre-Jean; Rouland, Bénédicte

    2014-01-01

    This paper uses a difference-in-differences approach, combined with propensity score matching, to identify the effect of older workers employment protection on French firms' incentives to sponsor training. Between 1987 and 2008, French firms laying off workers aged over 50 had to pay a tax...... to the unemployment insurance system, known as the Delalande tax. In 1999, the measure was subjected to a reform that increased the tax, but only for large firms. We find that this exogenous increase substantially raised firms' incentives to train workers aged 45–49 but had no impact on the training rates among...

  1. American Medical Association sponsors press conference in home care.

    Science.gov (United States)

    Bayne, C G

    1996-01-01

    On September 12, 1996, the American Medical Association, with an educational grant from Hoffmann-La Roche, sponsored a National Press Conference in New York City at the Millenium Broadway Hotel on Times Square. Attended by more than 40 of the nation's top health care correspondents from the leading magazine and newspapers in the country, this conference was designed to promote "The Revolution in Home and Outpatient Care." With an emphasis on new sites and new technologies, speakers from the Academy of Homecare Physicians presented a number of related subjects.

  2. 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...

  3. 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)

  4. 42 CFR 423.553 - Effect of leasing of a PDP sponsor's facilities.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 3 2010-10-01 2010-10-01 false Effect of leasing of a PDP sponsor's facilities... Change of Ownership or Leasing of Facilities During Term of Contract § 423.553 Effect of leasing of a PDP sponsor's facilities. (a) General effect of leasing. If a PDP sponsor leases all or part of its facilities...

  5. 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.

  6. 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.

  7. 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...

  8. 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

  9. 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.

  10. 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 ...

  11. Determinants of bank profitability: Evidence from the Greek banking sector

    OpenAIRE

    Alexiou Constantinos; Sofoklis Voyazas

    2009-01-01

    This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP) hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly af...

  12. 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.

  13. 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.

  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. 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 ...

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

    African Journals Online (AJOL)

    However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount interest to the banker, customer and the general public. The issues are: (a) is the family of a bank customer killed by armed robbers in the banking hall during a transaction entitled to compensation? (b) Is a ...

  17. National Wetland Mitigation Banking Study Wetland Migitation Banking.

    Science.gov (United States)

    1994-02-01

    require advance mitigation. The Acequia Mitigation Bank in Idaho, for example, requires that mitigation must be complete and successful before...20. Georgia - Georgia Department of Transportation (single client DOT bank) 21. Idaho - Acequia (single client DOT bank) 22. Idaho - Mud Lake...21. Acequia Cassia County, ID ID Transportation Dept. (ITD) ITD ITD currently public - ITD 22. Mud Lake Wildlife Management Area

  18. 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

  19. "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 sport performance (86% and 76%, respectively). Around one-third of children reported liking the company more after receiving these rewards. 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.

  20. "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.

  1. Perceived credibility of a "neutral" abortion-related message and its sponsor.

    Science.gov (United States)

    Spadafora, M; Pasadeos, Y

    1986-03-01

    This study investigated the effect of a high- versus low-credibility sponsor on the perceived credibility of an abortion-related message. Three groups of subjects read a message that had been evaluated as "neutral" by officials of both "pro-life" and "pro-choice" groups. Sponsorship of the message was varied among the three groups (no sponsor; pro-life sponsor; pro-choice sponsor). Subjects rated the credibility of the message and credibility of the sponsor and also indicated their own attitudes toward abortion. Pro-life and pro-choice subjects did not differ in their perception of the nonsponsored message. The signature of a high-credibility sponsor improved the message's perceived credibility; however, the signature of a low-credibility sponsor did not diminish the message's credibility.

  2. 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...

  3. 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.

  4. Electronic Load Bank

    Science.gov (United States)

    Huston, Steven W.

    1992-01-01

    Electronic load-bank circuit provides pulsed or continuous low-resistance load to imitate effect of short circuit on Ni/H2 or other electrochemical power cells. Includes safety/warning feature and taps for measurement of cell-output voltage and current.

  5. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  6. UBS BANK INFORMATION

    CERN Multimedia

    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...

  7. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  8. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  9. 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.

  10. De-globalising bank regulation

    OpenAIRE

    Mario Tonveronachi

    2013-01-01

    The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks) de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary...

  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. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...

  13. 41 CFR 301-74.14 - Are there any special requirements for sponsoring or funding a conference at a hotel, motel or...

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 4 2010-07-01 2010-07-01 false Are there any special requirements for sponsoring or funding a conference at a hotel, motel or other place of public accommodation? 301-74.14 Section 301-74.14 Public Contracts and Property Management Federal Travel Regulation System...

  14. 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

    ... 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 bank holding company. The factors...

  15. 75 FR 67969 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-04

    ... Doc No: 2010-27868] 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... of a bank or bank holding company. The factors that are considered in acting on the notices are set...

  16. 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

    ... 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 bank holding company. The factors...

  17. 76 FR 75548 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-02

    ... 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 bank holding company. The factors...

  18. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-05

    ... 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 bank holding company. The factors...

  19. 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

    ...: 2012-31575] 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... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  20. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

    ... 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 bank holding company. The factors...

  1. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

    ... 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 bank holding company. The factors...

  2. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

    ... 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 bank holding company. The factors...

  3. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

    ... 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 bank holding company. The factors...

  4. 75 FR 71130 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-22

    ... 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 bank holding company. The factors...

  5. 76 FR 32361 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-06

    ... 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 bank holding company. The factors...

  6. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

    ... 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 bank holding company. The factors...

  7. 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

    ... No: 2012-1314] 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... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  8. 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

    ... 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 bank holding company. The factors...

  9. 77 FR 60118 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-02

    ... 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 bank holding company. The factors...

  10. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

    ... 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 bank holding company. The factors...

  11. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

    ... 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 bank holding company. The factors...

  12. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

    ... 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 bank holding company. The factors...

  13. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

    ... 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 bank holding company. The factors...

  14. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

    ... 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 bank holding company. The factors...

  15. 75 FR 51814 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-23

    ... No: 2010-20809] 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... a bank or bank holding company. The factors that are considered in acting on the notices are set...

  16. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

    ... 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 bank holding company. The factors...

  17. 75 FR 53968 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-02

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  18. 76 FR 19099 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-06

    ... 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 bank holding company. The factors...

  19. 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

    ... 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 bank holding company. The factors...

  20. 75 FR 39016 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-07

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  1. 76 FR 72205 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-22

    ... 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 bank holding company. The factors...

  2. 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

    ... 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 bank holding company. The factors...

  3. 76 FR 40730 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-11

    ... 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 bank holding company. The factors...

  4. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  5. 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

    ... 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 bank holding company. The factors...

  6. 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

    ... 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 bank holding company. The factors...

  7. 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

    ... 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 bank holding company. The factors...

  8. 75 FR 70262 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-17

    ... 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 bank holding company. The factors...

  9. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

    ... 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 bank holding company. The factors...

  10. 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

    ... 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 bank holding company. The factors...

  11. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

    ... 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 bank holding company. The factors...

  12. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

    ... 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 bank holding company. The factors...

  13. 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

    ... 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 bank holding company. The factors...

  14. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

    ... 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 bank holding company. The factors...

  15. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

    ... 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 bank holding company. The factors...

  16. 76 FR 23599 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-27

    ... 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 bank holding company. The factors...

  17. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  18. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

    ... 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 bank holding company. The factors...

  19. 75 FR 33810 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-15

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  20. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  1. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

    ... 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 bank holding company. The factors...

  2. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

    ... 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 bank holding company. The factors...

  3. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

    ... 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 bank holding company. The factors...

  4. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

    ... 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 bank holding company. The factors...

  5. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

    ... 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 bank holding company. The factors...

  6. 76 FR 10595 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-25

    ... 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 bank holding company. The factors...

  7. 76 FR 10899 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-28

    ... 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 bank holding company. The factors...

  8. 75 FR 71440 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-23

    ... 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 bank holding company. The factors...

  9. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

    ... 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 bank holding company. The factors...

  10. 76 FR 81939 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-29

    ... 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 bank holding company. The factors...

  11. 75 FR 77876 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-14

    ... 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 bank holding company. The factors...

  12. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

    ... 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 bank holding company. The factors...

  13. 77 FR 16223 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-20

    ... 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 bank holding company. The factors...

  14. 76 FR 70722 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-15

    ... 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 bank holding company. The factors...

  15. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

    ... 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 bank holding company. The factors...

  16. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

    ... 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 bank holding company. The factors...

  17. 77 FR 284 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-04

    ... 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 bank holding company. The factors...

  18. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

    ... 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 bank holding company. The factors...

  19. 75 FR 54148 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-03

    ... Doc No: 2010-22050] 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... acquire a bank or bank holding company. The factors that are considered in acting on the notices are set...

  20. 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…

  1. 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

  2. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic\\ud banking has developed new banking practices.

  3. Determinants of bank profitability: Evidence from the Greek banking sector

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

    Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.

  4. 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.

  5. 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

  6. 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.

  7. 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...

  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. 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.

  10. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    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...... 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...

  11. 12 CFR 223.51 - What is the market terms requirement of section 23B?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What is the market terms requirement of section... THE FEDERAL RESERVE SYSTEM TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W) General Provisions of Section 23B § 223.51 What is the market terms requirement of section 23B? A member...

  12. 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.

  13. 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

  14. 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...

  15. 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

  16. 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...

  17. Report from the NEA Data Bank

    International Nuclear Information System (INIS)

    2005-01-01

    The NEA Data Bank services celebrate its 40 th anniversary in 2004. During all these years, the Data Bank's primary role has been to provide scientists in member countries with reliable nuclear data and computer programs for use in different nuclear applications. The services include also Thermochemical data for radioactive waste management applications. The Data Bank organises seminars and workshops to present information on computer programs or groups of programs that are considered to be of special interest to users. Training courses on widely used computer programs are organised a few times a year to ensure a correct and effective use of these programs. The Data Bank member countries are: Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Italy, Japan, Republic of Korea, Mexico, Netherlands, Norway, Portugal, Slovak Republic, Spain, Sweden, Switzerland, Turkey, and United Kingdom. Users of the Data Bank services include governmental research institutes, industry and universities. By arrangement with IAEA, the Data Bank computer program service covers both Data Bank countries and member states of IAEA, except USA and Canada where a separate agreement covers nuclear data and computer program exchanges. The NEA Data Bank also maintains a close cooperation with the NEA Nuclear Science Section, which provides useful feedback on the performance of computer programs and nuclear data through a number of benchmark studies, especially in the areas of reactor and fuel cycle physics, criticality safety, and radiation shielding. This report describes the Organisation, Nuclear Data Services (EXFOR and CINDA, JANIS-2 and the Joint Evaluated Fission and Fusion (JEFF) Project and JEFF-3.1). The computer program services have during its 40 years of existence distributed in total about 67 000 programs upon request. In 2003, the Data Bank acquired 70 new or revised versions of computer codes. During the same period, the NEA distributed more than

  18. 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 ...

  19. 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...

  20. 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.

  1. 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.

  2. Virtual blood bank

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-01

    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. PMID:21383930

  3. Physician-industry conflict of interest: public opinion regarding industry-sponsored research.

    Science.gov (United States)

    Fisher, Charles G; DiPaola, Christian P; Noonan, Vanessa K; Bailey, Christopher; Dvorak, Marcel F S

    2012-07-01

    The nature of physician-industry conflict of interest (COI) has become a source of considerable concern, but is often not discussed in the research setting. With reduced funding available from government and nonprofit sources, industry support has enthusiastically grown, but along with this comes the potential for COI that must be regulated. In this era of shared decision making in health care, society must have input into this regulation. The purpose of this study was to assess the opinions of a North American population sample on COI regarding industry-funded research and to analyze population subgroups for trends. A survey was developed for face and content validity, underwent focus group evaluation for clarity and bias reduction, and was administered via the World Wide Web. Demographic and general survey results were summarized as a percentage for each answer, and subgroup analysis was done using logistic regression. Generalizability of the sample to the US population was also assessed. Of 541 surveys, 40 were excluded due to missing information, leaving 501 surveys for analysis. The sample population was composed of more females, was older, and was more educated than a representative cross-section of the American population. Respondents support multidisciplinary surgeon-industry COI regulation and trust doctors and their professional societies the most to head this effort. Respondents trust government officials and company representatives the least with respect to regulation of COI. Most respondents feel that industry-sponsored research can involve physicians and be both objective and beneficial to patients. Most respondents in this study felt that surgeons should be involved in industry-sponsored research and that more research, regardless of funding source, will ultimately benefit patients. The majority of respondents distrust government or industry to regulate COI. The development of evidence-based treatment recommendations requires the inclusion of patient

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 75 FR 15401 - Information Collection; Online Registration for FSA-sponsored Events and Conferences

    Science.gov (United States)

    2010-03-29

    .... SUPPLEMENTARY INFORMATION: Description of Information Collection Title: Online Registration for FSA-sponsored... respondents and make hotel reservations and other special arrangements as necessary. Estimate of Annual Burden...

  9. 12 CFR 987.5 - Obligations of the Banks and the Office of Finance; no Adverse Claims.

    Science.gov (United States)

    2010-01-01

    ... 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 in the case of a security interest in favor of the United...

  10. 12 CFR 221.117 - When bank in “good faith” has not relied on stock as collateral.

    Science.gov (United States)

    2010-01-01

    ... stock as collateral. 221.117 Section 221.117 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD... bank in “good faith” has not relied on stock as collateral. (a) The Board has received questions... the margin stock as collateral,” contained in paragraph (2)(iv) of the definition of indirectly...

  11. 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.

  12. 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.

  13. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  14. Asian development bank: can it become an actual development bank?

    OpenAIRE

    Khan, Haider A.

    2012-01-01

    The Asian Development Bank(ADB) was founded in the mid-sixties. In addition to the Asian countries, it also has members from among the wealthy countries in North America, Europe and Oceania. Over the years, ADB has grown in size and prestige among the regional development banks. As Khan (2004, 2007 and 2012) argues, within a hybrid workable global financial architecture, regional development banks like the ADB can play a constructive role.

  15. The aspects and activities of international banking

    OpenAIRE

    Madzova, Violeta; Davcev, Ljupco

    2012-01-01

    Banking is an information based industry and banks develop relationships with and obtain information on their customers. Following them abroad, therefore, is a motivating factor for banks to continue providing banking services. Liberalization, international trade agreements and reduced trade barriers and more open markets have allowed banks to expand internationally. The range of services that a bank offers results from the strategy and is influenced from the sources of the bank. Intern...

  16. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  17. Determinants of Islamic Banks Acceptance in Oman

    OpenAIRE

    Mohammed, Shariq; Sha, Nadia; Uddin, Mohammed Ahmar

    2017-01-01

    This paper discusses about the inception of Islamic Banking in Oman. This paper would discuss the Islamic Banking Regulatory Framework (IBRF) under which the Islamic banking system is operating. The two full fledged banks which are working in Oman are Alizz Islamic Bank, Bank Nizwa and there are 6 Islamic windows which are working in Oman. The study would be related to the factors which influence the customers’ attraction towards Islamic Banking in Oman.

  18. 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...

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

    OpenAIRE

    Wibowo, Buddi

    2017-01-01

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

  20. 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.

  1. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  2. Global Banking System Regulatory Environment

    OpenAIRE

    Oleh Mozhovyi; Olena Pavliuk

    2017-01-01

    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 ...

  3. Banking crises and government intervention

    OpenAIRE

    García-Palacios, Jaime H.; Hasman, Augusto; Samartín, Margarita

    2014-01-01

    Intervention has taken different forms in different countries and periods of time. Moreover, recent episodes showed that in front of an imminent crisis, the promise of no interventions made by governments is barely credible. In this paper we address the problem of resolving banking crises from the government perspective, taking into account the fact that preventing banking crises is crucial for the government. In addition, we introduce the moral hazard problem, inherent in the banking system,...

  4. Current trends of banking innovations

    OpenAIRE

    A.M. Karminskiy; O.R. Zhdanova

    2013-01-01

    The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the devel...

  5. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  6. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

    Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to

  7. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  8. Image data bank

    International Nuclear Information System (INIS)

    Bacigalupo, J.; Guillen, G.; Gerez, J.

    1998-01-01

    A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

  9. National serum bio bank

    International Nuclear Information System (INIS)

    Poli, F.; Facchiano, F.

    2009-01-01

    The Italian Bio bank is hosted at 'Ospedale Maggiore. Policlinico' of Milan. This structure occupies an area of 300 sq meters and includes laboratories and a cryogenic area. This facility has been built a in compliance with the standards defined by the Foundation for Accreditation of Cellular Therapy (FACT) mostly related to adequacy of spaces, equipment and governmental and institutional policies for bio safety. The Cryogenic area follows written procedures in the event of an ambient disaster and for safety personnel and of the samples stored

  10. The ENZYME data bank.

    Science.gov (United States)

    Bairoch, A

    1994-09-01

    The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any).

  11. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  12. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  13. Breaking e-Banking CAPTCHAs

    OpenAIRE

    Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland

    2010-01-01

    Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...

  14. Banking industry liberalisation in Ghana

    Directory of Open Access Journals (Sweden)

    Elvis A. Adjei

    2012-04-01

    Full Text Available Economic liberalisation is characterised by the entry of foreign companies and the emergence of new domestic institutions to compete with the existing institutions of lending, and there is a view that the process leads to greater efficiency, especially because foreign banks bring new expertise. Extracting information from accounts lodged with Ghana Central Bank, this paper ranks the cost efficiency of banks, Theil decomposition of the cost efficiency scores allows for a comparison of performance between banks under different types of ownership. There is pronounced differences in efficiency scores within and between groups by type of ownership, but foreign ownership, per se, is not the determining factor.

  15. EU-sponsored photovoltaic systems for rural electrification

    Energy Technology Data Exchange (ETDEWEB)

    Riesch, Gerhard [Joint Research Centre of the European Union, JRC, Ispra (Italy)

    1995-12-31

    Development and proliferation of renewable energies are sponsored since 1983 by the European Union, normally up to 40% of the cost. (Programme THERMIE and predecessors). In the frame of this programme for more than one hundred projects of all kinds with thousands of photovoltaic energy supply systems have been implemented in Europe, 29 of these projects with 939 single pv-systems concern electrification of rural sites (e.g. agriculture) or isolated sites (e.g. mountain huts). Most of the single systems are of small size, 50 to 1000 Wp. A few of the systems are larger, up to 25 kWp, and supply local isolated mini-grids. In this paper the main features of the systems in six european countries are presented: The technical, economical and social results as well as the contributions of the Electric Power Utility (EPU`s) to these electrification are discussed. [Espanol] Desde 1983 la Union Europea ha auspiciado normalmente hasta el 40% del costo del desarrollo y proliferacion de las energias renovables. (Programa THERMIE y predecesores). En el marco de este programa con mas de cien proyectos de todos tipos, con miles de sistemas fotovoltaicos de suministro de energia, han sido implantados en Europa, 29 de estos proyectos con 929 sistemas fotovoltaicos sencillos se relacionan con la electrificacion de sitios rurales (por ejemplo agricultura) o de sitios aislados (por ejemplo cabanas en la montana). La mayoria de los sistemas sencillos son de pequeno tamano, 50 a 1000 Wp. Unos pocos de los sistemas son mas grandes, hasta de 25 kWp y alimentan mini-redes locales aisladas. En este articulo se presentan las caracteristicas principales de los sistemas en seis paises europeos: se analizan los resultados tecnicos, economicos y sociales, asi como las contribuciones de las empresas electricas.

  16. Corporate sponsored education initiatives on board the ISS

    Science.gov (United States)

    Durham, Ian T.; Durham, Alyson S.; Pawelczyk, James A.; Brod, Lawrence B.; Durham, Thomas F.

    1999-01-01

    This paper proposes the creation of a corporate sponsored ``Lecture from Space'' program on board the International Space Station (ISS) with funding coming from a host of new technology and marketing spin-offs. This program would meld existing education initiatives in NASA with new corporate marketing techniques. Astronauts in residence on board the ISS would conduct short ten to fifteen minute live presentations and/or conduct interactive discussions carried out by a teacher in the classroom. This concept is similar to a program already carried out during the Neurolab mission on Shuttle flight STS-90. Building on that concept, the interactive simulcasts would be broadcast over the Internet and linked directly to computers and televisions in classrooms worldwide. In addition to the live broadcasts, educational programs and demonstrations can be recorded in space, and marketed and sold for inclusion in television programs, computer software, and other forms of media. Programs can be distributed directly into classrooms as an additional presentation supplement, as well as over the Internet or through cable and broadcast television, similar to the Canadian Discovery Channel's broadcasts of the Neurolab mission. Successful marketing and advertisement can eventually lead to the creation of an entirely new, privately run cottage industry involving the distribution and sale of educationally related material associated with the ISS that would have the potential to become truly global in scope. By targeting areas of expertise and research interest in microgravity, a large curriculum could be developed using space exploration as a unifying theme. Expansion of this concept could enhance objectives already initiated through the International Space University to include elementary and secondary school students. The ultimate goal would be to stimulate interest in space and space related sciences in today's youth through creative educational marketing initiatives while at the

  17. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...

  18. Fraud and Fraudulent Practices in Nigeria Banking

    African Journals Online (AJOL)

    FIRST LADY

    recommendations targeting at reducing fraud and forgeries in the Nigerian banking industry. Key Words: Fraud, Bank Failure, Forgeries and Embezzlement. Introduction. Banks and non-bank financial institutions jointly constituting the financial industry of any economy however, the banking system comprises the major.

  19. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

    Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  20. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....

  1. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  2. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  3. Wave basin model tests of technical-biological bank protection

    Science.gov (United States)

    Eisenmann, J.

    2012-04-01

    Sloped embankments of inland waterways are usually protected from erosion and other negative im-pacts of ship-induced hydraulic loads by technical revetments consisting of riprap. Concerning the dimensioning of such bank protection there are several design rules available, e.g. the "Principles for the Design of Bank and Bottom Protection for Inland Waterways" or the Code of Practice "Use of Standard Construction Methods for Bank and Bottom Protection on Waterways" issued by the BAW (Federal Waterways Engineering and Research Institute). Since the European Water Framework Directive has been put into action special emphasis was put on natural banks. Therefore the application of technical-biological bank protection is favoured. Currently design principles for technical-biological bank protection on inland waterways are missing. The existing experiences mainly refer to flowing waters with no or low ship-induced hydraulic loads on the banks. Since 2004 the Federal Waterways Engineering and Research Institute has been tracking the re-search and development project "Alternative Technical-Biological Bank Protection on Inland Water-ways" in company with the Federal Institute of Hydrology. The investigation to date includes the ex-amination of waterway sections where technical- biological bank protection is applied locally. For the development of design rules for technical-biological bank protection investigations shall be carried out in a next step, considering the mechanics and resilience of technical-biological bank protection with special attention to ship-induced hydraulic loads. The presentation gives a short introduction into hydraulic loads at inland waterways and their bank protection. More in detail model tests of a willow brush mattress as a technical-biological bank protec-tion in a wave basin are explained. Within the scope of these tests the brush mattresses were ex-posed to wave impacts to determine their resilience towards hydraulic loads. Since the

  4. 29 CFR 4010.12 - Alternative method of compliance for certain sponsors of multiple employer plans.

    Science.gov (United States)

    2010-07-01

    ... BENEFIT GUARANTY CORPORATION CERTAIN REPORTING AND DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.12 Alternative method of compliance for certain sponsors of multiple employer... part for an information year if any contributing sponsor of the multiple employer plan provides a...

  5. 76 FR 2807 - New Animal Drugs; Change of Sponsor; Follicle Stimulating Hormone

    Science.gov (United States)

    2011-01-18

    ... sponsor for a new animal drug application (NADA) for follicle stimulating hormone from Ausa International... HUMAN SERVICES Food and Drug Administration 21 CFR Parts 510 and 522 New Animal Drugs; Change of Sponsor; Follicle Stimulating Hormone AGENCY: Food and Drug Administration, HHS. ACTION: Final rule. SUMMARY: The...

  6. A Case Study of Teaching Marketing Research Using Client-Sponsored Projects: Method, Challenges, and Benefits

    Science.gov (United States)

    Bove, Liliana L.; Davies, W. Martin

    2009-01-01

    This case study outlines the use of client-sponsored research projects in a quantitative postgraduate marketing research subject conducted in a 12-week semester in a research-intensive Australian university. The case study attempts to address the dearth of recent literature on client-sponsored research projects in the discipline of marketing.…

  7. 75 FR 66304 - New Animal Drugs; Change of Sponsor; Monensin Blocks

    Science.gov (United States)

    2010-10-28

    ... HUMAN SERVICES Food and Drug Administration 21 CFR Parts 510 and 520 New Animal Drugs; Change of Sponsor... Administration (FDA) is amending the animal drug regulations to reflect a change of sponsor from Farmland... rights and interest in, NADA 118-509 for Pasture Gainer Block-37 R350 (monensin) to Land O' Lakes Purina...

  8. Using Banks: Teaching Banking Skills to Low-Income Consumers.

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

  9. Universal banking and the Nigerian banking sector | Osamwonyi ...

    African Journals Online (AJOL)

    In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...

  10. Determinants of International Banking: Evidence from the World's Largest Banks

    NARCIS (Netherlands)

    Schoenmaker, D.; van Laecke, C.

    2007-01-01

    : Banks have expanded their foreign activities due to deregulation and advances in technology. Using a new approach, we measure the level of internationalization of the world's largest commercial banks. The degree of internationalization is found to be uneven across the three main continents.

  11. NEA Data Bank Progress Report 2010-2011

    International Nuclear Information System (INIS)

    2011-01-01

    The OECD NEA Data Bank provides scientist in member countries with reference materials in the field of nuclear energy applications. The services include the compilation, verification, and distribution of nuclear data, chemical thermodynamic data, integral benchmark experiments, as well as computer programs and associated application libraries. The Data Bank also develops and maintains databases and related administration/retrieval tools, including the JANIS display software. The Data Bank works in close co-operation with the Nuclear Science Section, especially in the field of computer codes and associated application libraries benchmarking, integral experiments, nuclear data evaluation co-operation, and knowledge preservation. These activities are in essence international and organised in close collaboration with other main national and international organisations. More information on the NEA Data Bank can be found at www.oecd-nea.org/databank.

  12. How much is Banking Secrecy worth? The case of Swiss Banks

    OpenAIRE

    Ziegler, Alexandre

    2011-01-01

    We use an early episode of negotiations between Switzerland and the European Union to investigate the value of banking secrecy for four Swiss banks: two universal banks and two private banks. We nd that the value of banking secrecy to private banks is large, accounting for at least 8 to 14% of their market value. Perhaps surprisingly, banking secrecy appears to account for only a very small fraction of the market value of the universal banks.

  13. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

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

  14. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  15. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management

  16. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R.K.; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data

  17. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

    H.J. de Vries (Henk); G.W.J. Hendrikse (George)

    2001-01-01

    textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not

  18. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    Sprott, J.C.; Lovell, T.W.

    1982-06-01

    Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

  19. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters

  20. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

    Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.