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Sample records for tarsal plate banking

  1. Giant epidermal cyst of the tarsal plate

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    Mohana Majumdar

    2012-01-01

    Full Text Available A 35-year-old male patient presented with a right upper eyelid mass with mechanical ptosis. The patient gave no history of trauma or surgery. On examination, there was a huge cystic mass fixed to the tarsal plate. Excisional biopsy with tarsectomy was done. Histopathology sections demonstrated a keratin-filled cyst arising from the tarsus. A thorough Pubmed search did not reveal an epidermal cyst of the tarsal plate of this size which was successfully managed. The incision was made in such a way that postoperative ptosis would be avoided. Excess skin was removed during the surgery.

  2. Reconstruction of large upper eyelid defects with a free tarsal plate graft and a myocutaneous pedicle flap plus a free skin graft

    DEFF Research Database (Denmark)

    Toft, Peter B

    2016-01-01

    PURPOSE: To review and present the results of a one-step method employing a free tarsal plate graft and a myocutaneous pedicle flap plus a free skin graft for reconstruction of large upper eyelid defects after tumour surgery. METHODS: This was a retrospective case-series of 8 patients who underwent...... was reconstructed with a laterally based myocutaneous pedicle flap in 7 patients, leaving a raw surface under the brow which was covered with a free skin graft. In 1 patient with little skin left under the brow, the anterior lamella was reconstructed with a bi-pedicle orbicularis muscle flap together with a free...... excision to avoid eye discomfort. CONCLUSION: Large upper eyelid defects can be reconstructed with a free tarsal plate graft and a laterally based myocutaneous pedicle flap in combination with a free skin graft. Two-step procedures can probably be avoided in most cases....

  3. Giant Tarsal Keratinous Cyst Mimicking Chalazion

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    Melis Palamar Onay

    2013-04-01

    Full Text Available Reports on keratinous cysts involving the tarsal plate are very rare. Herein, we present a 69-year-old male patient with a giant tarsal keratinous cyst of the right upper eyelid who was misdiagnosed as chalazion of the eyelid. Interventional case report with cytopathologic correlation. Due to recurrence after the surgery for presumed chalazion, the patient was referred to our clinic for tumor evaluation. In the second surgery, which was performed in our clinic, the lesion was found to have a fine capsule and was totally excised. Histopathologic examination revealed keratinous cyst of the tarsal plate. Keratinous cyst must be considered in the differential diagnosis of tarsal plate lesions, as the curettage of the keratinous cyst might result in multiple recurrences. (Turk J Ophthalmol 2013; 43: 138-9

  4. [Multiple congenital tarsal synostoses].

    Science.gov (United States)

    Saadaoui, H

    1996-11-01

    Tarsal coalition is an abnormal fusion of two or more tarsal centers. Talo-calcaneal and calcaneo-navicular coalition are the most frequent types. If multiple tarsal coalition is suspected, computed tomography with sagittal reconstruction is the best method for diagnosis.

  5. Genetics Home Reference: tarsal-carpal coalition syndrome

    Science.gov (United States)

    ... and ankle (tarsal bones). In tarsal-carpal coalition syndrome , the carpal bones fuse together, as do the tarsal bones, which causes stiffness and immobility of the hands and feet. Symptoms of the ...

  6. Rhinosporidiosis of the tarsal conjunctiva

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    Akshay Gopinathan Nair

    2015-01-01

    Full Text Available Rhinosporidiosis is a rare infection caused by Rhinosporidium seeberi, an organism classified in its own class, mesomycetozoea. It commonly affects mucus membranes namely the nasal mucosa, pharynx and the conjunctiva. We present the case of an 8-year-old female who presented with a flat, red, vascular, fleshy, pedunculated mass arising from the tarsal conjunctiva of the right upper eyelid. The mass was completely excised. On histopathological examination, multiple sporangia were seen in various stages of degeneration, consistent with rhinosporidiosis. The diagnosis of rhinosporidiosis is based solely on its microscopic features, and the treatment is surgical excision. This condition is endemic in the temperate regions of the Indian subcontinent, but it has been known to occur even in the colder regions of North America and Eastern Europe. Although a rare clinical entity, the possibility of rhinosporidiosis must be borne in mind when evaluating any polypoidal conjunctival mass.

  7. Melanocytic Nevus of the Tarsal Conjunctiva

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    Bülent Yazıcı

    2016-08-01

    Full Text Available Background: Melanocytic nevus is a rare occurrence in the tarsal conjunctiva and only 7 well-described cases have been reported previously in the English literature. Case Report: The medical records of 4 patients with tarsal conjunctival melanocytic nevus were reviewed, together with the relevant literature. All patients (3 women and 1 man; age range: 17 - 40 years had been referred with a suspicion of melanoma. There was one tarsal nevus in the lower eyelid in 3 patients and 2 nevi in the upper eyelid in 1 patient. All lesions were darkly pigmented with irregular borders and were associated with a history of a recent growth in size. An intralesional cyst was present in 1 nevus only. After surgical excision, no recurrence or complication occurred during the follow-up period (range: 7 - 48 months. Conclusion: Tarsal melanocytic nevus has been described in detail in 11 cases, including these 4 cases, in the English literature. The lesion arose from the lower eyelid in all cases except one. Tarsal melanocytic nevi may frequently display clinical features suggesting melanoma, such as advanced patient age, recent growth, dark and irregular pigmentation, nodularity, hypervascularity, and the absence of an intralesional cyst. After total excision, nevus recurrence or malignant trans-formation has not been reported.

  8. The adult tarsal navicular: why it matters

    International Nuclear Information System (INIS)

    Scott-Moncrieff, A.; Forster, B.B.; Andrews, G.; Khan, K.

    2007-01-01

    The adult tarsal navicular is an integral part of the midfoot. Many unique pathological conditions affect its function, and while subtle in their presentation, they can be significant sources of pain and deformity. Recognition of these abnormalities in imaging is essential to obtaining prompt diagnoses and instigating early management interventions. In this pictorial essay, accessory ossicles, stress fractures, avascular necrosis, and tarsal coalitions involving the navicular will be discussed in terms of their characteristic imaging findings. Normal anatomy and biomechanical functional aspects of the navicular will be reviewed and multiple images from plain film, ultrasound, bone scan, computed tomography, and magnetic resonance imaging will be presented. Improved familiarity with the adult tarsal navicular and its various abnormalities will enable radiologists to recognize its importance in the differential diagnosis of midfoot pathology. (author)

  9. The adult tarsal navicular: why it matters

    Energy Technology Data Exchange (ETDEWEB)

    Scott-Moncrieff, A. [Univ. of British Columbia, Vancouver, British Columbia (Canada)], E-mail: ascottmo@interchange.ubc.ca; Forster, B.B.; Andrews, G. [Dept. of Radiology, Univ. of British Columbia Hospital, Vancouver, British Columbia (Canada); Khan, K. [Dept. of Family Practice, Univ. of British Columbia Hospital, Vancouver, British Columbia (Canada); Allan McGavin Sports Medicine Clinic, Vancouver, British Columbia (Canada)

    2007-12-15

    The adult tarsal navicular is an integral part of the midfoot. Many unique pathological conditions affect its function, and while subtle in their presentation, they can be significant sources of pain and deformity. Recognition of these abnormalities in imaging is essential to obtaining prompt diagnoses and instigating early management interventions. In this pictorial essay, accessory ossicles, stress fractures, avascular necrosis, and tarsal coalitions involving the navicular will be discussed in terms of their characteristic imaging findings. Normal anatomy and biomechanical functional aspects of the navicular will be reviewed and multiple images from plain film, ultrasound, bone scan, computed tomography, and magnetic resonance imaging will be presented. Improved familiarity with the adult tarsal navicular and its various abnormalities will enable radiologists to recognize its importance in the differential diagnosis of midfoot pathology. (author)

  10. Magnetically Driven Isentropic Compression and Flyer Plate Experiments Using a Capacitor Bank

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    Sun, Chengwei; Wang, Guiji; Liu, Cangli; Zhao, Jianheng; Tan, Fuli; Wang, Ganghua; Mo, Jianjun; Zhang, Ning; Jiang, Jihao; Chen, Jun

    2007-12-01

    The compact capacitor bank CQ-1.5 is a pulsed power generator developed at the Institute of Fluid Physics, and capable to deliver a current of peak 1.5 MA within rise time 500-575 ns into a 2-3 nH inductive load. It is motivated to do isentropic compression experiments (ICE) on metals up to 0-50 GPa and to launch flyer plates at velocities over 8 km/s. The measured free surface velocities of two ICE specimens of different thickness were treated by backward integration to acquire the compression isentrope of copper up to 35 GPa. Meanwhile theoretical isentropes and an energy conservation based model to predict magnetically driven flyers' final velocity are proposed here, and compared with the experimental data.

  11. Magnetically Driven Isentropic Compression and Flyer Plate Experiments Using A Compact Capacitor Bank.

    Science.gov (United States)

    Sun, Chengwei; Wang, Guiji; Liu, Cangli; Zhao, Jianheng; Tan, Fuli; Zhang, Ning; Chen, Jun

    2007-06-01

    The pulsed power generator CQ-1.5 is a compact capacitor bank of total capacitance 15.88 μF, maximum energy stored 50.8 kJ and normal discharging current 1.5MA in 500ns on a 2˜3nH inductive load. This low cost generator has been developed by the Institute of Fluid Physics, and is motivated for isentropic compression experiments(ICE) up to 30˜50GPa and flyer plate launching at velocity 5˜7 km/s. It is characterized by low inductance (˜ 18nH) attributed to the specially designed capacitor, the explosive network closing switch and the compact plate transmission line. The design and experiments of ICE specimens and flyers are described here. The measured free surface velocities of two ICE specimens of different thickness were treated by backward integration to acquire the compression isentrope of copper up to 50GPa. An energy conservation based model to predict the performance of magnetically driven flyers has been proposed and compared with the experimental data measured by VISAR interferometer.

  12. Peculiar chondroblastoma involving multiple tarsal bones

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    Fukunaga, Masaharu [Jikei University School of Medicine, Department of Pathology, Tokyo (Japan); the Jikei University Daisan Hospital, Department of Pathology, Tokyo (Japan); Asanuma, Kazuo [Jikei University School of Medicine, Department of Orthopedic Surgery, Tokyo (Japan); Irie, Takeo [Jikei University School of Medicine, Department of Radiology, Tokyo (Japan)

    2010-07-15

    A case of peculiar chondroblastoma involving multiple tarsal bones in a 49-year-old woman is described. The patient presented with pain and swelling of the right foot. Radiographs revealed a lytic expansile lesion of medial, intermediate, and lateral cuneiform bones, navicular, cuboid, and tarsal bones of the right foot, indicating a malignant tumor. Biopsies demonstrated a diffuse proliferation of round cells with eccentric and indented nuclei with longitudinal grooves and eosinophilic cytoplasm. Atypia was prominent, but mitotic figures were rare. The stroma was chondroid with focal chicken-wire calcification. On electron microscopy, the tumor exhibited chondroblastic features. The patient is alive with the tumor 7 years after radiotherapy. The tumor is considered a chondroblastoma with low malignant potential. (orig.)

  13. Central tarsal bone fracture in a cat.

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    Cinti, Filippo; Pisani, Guido; Penazzi, Claudio; Carusi, Umberto; Vezzoni, Luca; Vezzoni, Aldo

    2016-01-01

    Fracture of the central tarsal bone is an uncommon injury in dogs and occurs predominantly in racing Greyhounds. To the authors' knowledge, this type of fracture has not been described previously in cats. This case report describes a five-year-old Domestic Shorthair cat referred to the Centro Veterinario Luni Mare because of lameness, swelling and signs of pain in the right hindlimb caused by trauma. Clinical examination and diagnostic imaging revealed a right central tarsal bone fracture. Open reduction and internal fixation with a 2.0 mm position screw and two 0.8 mm Kirschner wires were carried out. The last follow-up examination three years postoperatively found the cat in good health with normal range of motion and function, and no signs of lameness in the right hindlimb.

  14. Osteochondritis dissecans of the canine tarsal joint

    International Nuclear Information System (INIS)

    Montgomery, R.D.; Hathcock, J.T.; Milton, J.L.; Fitch, R.B.

    1994-01-01

    In this presentation, osteochondritis dissecans of the canine tarsal joint is characterized based on a review of 96 cases in the literature and 123 cases from the Veterinary Medical Data Base. Labrador retrievers and rottweilers were most often affected. If breed popularity is considered, the bull mastiff had the highest incidence of tarsal osteochondritis dissecans. Most dogs were between six months and one year of age; however, 18% were older than two years of age at the time of presentation. Females accounted for 53% of the cases of tarsal osteochondritis dissecans, in contrast with osteochondritis of other joints, in which males predominated. Bilateral lesions occurred in 44% of the dogs, which is less than the reported incidence for osteochondritis dissecans of other joints. Seventy-five percent of the lesions occurred at the medial trochlear ridge; most lesions were located in the plantar half Radiographic imaging of the lesion may be difficult but can be improved via oblique and flexed dorsoplantar projections. Most authors advocate surgery; however, results after surgery compared with results of conservative therapy make the choice of treatment debatable. The surgical approach affects postsurgical function of the joint. Approaches that avoid osteotomy and desmotomy cause the least morbidity. Prognosis of patients is guarded and depends on several factors, of which size of the lesion is probably the most important. Radiographic appearance of the joint does not necessarily correspond with the severity of the lameness

  15. Central tarsal bone fracture in the border collie.

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    Guilliard, M

    2007-07-01

    Fracture of the plantar process of the central tarsal bone together with a dorsomedial displacement of the body of the bone was seen in six border collies. All injuries occurred during free exercise, with no extrinsic trauma. Three dogs had concomitant tarsal fractures. Primary treatment was by lag screwing the central tarsal bone to the fourth tarsal bone. All cases eventually made an excellent recovery. The superficial radiographic appearance was of a luxation of the bone as reported in a previous series, but appraisal of the radiographs showed evidence of fracture in all cases. A cadaver study to assess the mechanism of luxation showed that it is unlikely to occur naturally.

  16. Isolated dorsal dislocation of the tarsal naviculum

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    Kaziz Hamdi

    2015-01-01

    Full Text Available Isolated dislocation of the tarsal naviculum is an unusual injury, scarcely reported in the literature. The naviculum is surrounded by the rigid bony and ligamentous support hence fracture dislocation is more common than isolated dislocation. The mechanism and treatment options remain unclear. In this case report, we describe a 31 year old man who sustained an isolated dorsal dislocation of the left tarsal naviculum, without fracture, when he was involved in a motor vehicle collision. The reported mechanism of the dislocation is a hyper plantar flexion force applied to the midfoot, resulting in a transient disruption of the ligamentous support of the naviculum bone, with dorsal displacement of the bone. The patient was treated with open reduction and Krischner-wire fixation of the navicular after the failure of closed reduction. The wires were removed after 6 weeks postoperatively. Physiotherapy for stiffness and midfoot pain was recommended for 2 months. At 6 months postoperatively, limping, midfoot pain and weakness were reported, no X-ray abnormalities were found. The patient returned to his obvious activities with a normal range of motion.

  17. Isolated dorsal dislocation of the tarsal naviculum.

    Science.gov (United States)

    Hamdi, Kaziz; Hazem, Ben Ghozlen; Yadh, Zitoun; Faouzi, Abid

    2015-01-01

    Isolated dislocation of the tarsal naviculum is an unusual injury, scarcely reported in the literature. The naviculum is surrounded by the rigid bony and ligamentous support hence fracture dislocation is more common than isolated dislocation. The mechanism and treatment options remain unclear. In this case report, we describe a 31 year old man who sustained an isolated dorsal dislocation of the left tarsal naviculum, without fracture, when he was involved in a motor vehicle collision. The reported mechanism of the dislocation is a hyper plantar flexion force applied to the midfoot, resulting in a transient disruption of the ligamentous support of the naviculum bone, with dorsal displacement of the bone. The patient was treated with open reduction and Krischner-wire fixation of the navicular after the failure of closed reduction. The wires were removed after 6 weeks postoperatively. Physiotherapy for stiffness and midfoot pain was recommended for 2 months. At 6 months postoperatively, limping, midfoot pain and weakness were reported, no X-ray abnormalities were found. The patient returned to his obvious activities with a normal range of motion.

  18. banks

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    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.

  19. FRACTURE OF THE CENTRAL TARSAL BONE IN NONRACEHORSES: FOUR CASES.

    Science.gov (United States)

    Knuchell, Jeannie A; Spriet, Mathieu; Galuppo, Larry D; Katzman, Scott A

    2016-07-01

    Fractures of the central tarsal bone are a rarely recognized cause of acute severe hind limb lameness in nonracehorses. Diagnosis of these fractures can be challenging and little is known about their configuration or outcome. The objectives of this retrospective case series study were to describe the clinical features, imaging findings, and outcomes of fractures of the central tarsal bone in a sample of nonracehorses. Medical records from 2001 to 2014 were searched for cases of central tarsal bone fractures in nonracehorses. All available imaging findings including radiography, ultrasound, computed tomography (CT), and/or nuclear scintigraphy were reviewed. History, clinical presentation, and outcome were collected from the records. Four horses met the inclusion criteria. All had a similar configuration as a simple nondisplaced slab fracture in a dorsomedial to plantarolateral orientation. Initial radiographs failed to reveal the fracture in three of four cases. When additional plantarolateral-dorsomedial oblique radiographic views were obtained, the fracture could be identified in all cases. Fractures of the central tarsal bone seemed to occur in a consistent dorsomedial to plantarolateral orientation in this sample of nonracehorses, which is different from the configuration previously reported in racehorses. While CT can be used for detection and assessment of these fractures, authors propose that radiography can also identify these fractures with the appropriate view. Authors recommend the use of several plantarolateral to dorsomedial radiographic projections at varying degrees of obliquity for horses with a suspected central tarsal bone fracture. © 2016 American College of Veterinary Radiology.

  20. PLATE

    DEFF Research Database (Denmark)

    Kling, Joyce; Hjulmand, Lise-Lotte

    2008-01-01

    ’s level of English is sufficient for the increasing number of courses offered in English each semester. This paper addresses these concerns and describes a pilot project initiated in 2003 at CBS to gauge the overall English language proficiency of those teaching content courses in English. Through...... the Project in Language Assessment for Teaching in English (PLATE) language professionals from CBS’s Language Center observe teachers and provide feedback using evaluation criteria from the Common European Framework for Reference (CEFR) supplemented by some additional criteria which take the LSP nature...... of academic teaching and lecturing into account....

  1. Tarsal tunnel disease and talocalcaneal coalition: MRI features

    International Nuclear Information System (INIS)

    FitzGerald Alaia, Erin; Rosenberg, Zehava Sadka; Bencardino, Jenny T.; Ciavarra, Gina A.; Petchprapa, Catherine N.; Rossi, Ignacio

    2016-01-01

    To assess, utilizing MRI, tarsal tunnel disease in patients with talocalcaneal coalitions. To the best of our knowledge, this has only anecdotally been described before. Sixty-seven ankle MRIs with talocalcaneal coalition were retrospectively reviewed for disease of tendons and nerves of the tarsal tunnel. Interobserver variability in diagnosing tendon disease was performed in 30 of the 67 cases. Tarsal tunnel nerves were also evaluated in a control group of 20 consecutive ankle MRIs. Entrapment of the flexor hallucis longus tendon (FHL) by osseous excrescences was seen in 14 of 67 cases (21 %). Attenuation, split tearing, tenosynovitis, or tendinosis of the FHL was present in 26 cases (39 %). Attenuation or tenosynovitis was seen in the flexor digitorum longus tendon (FDL) in 18 cases (27 %). Tenosynovitis or split tearing of the posterior tibial tendon (PT) was present in nine cases (13 %). Interobserver variability ranged from 100 % to slight depending on the tendon and type of disease. Intense increased signal and caliber of the medial plantar nerve (MPN), indicative of neuritis, was seen in 6 of the 67 cases (9 %). Mildly increased T2 signal of the MPN was seen in 15 (22 %) and in 14 (70 %) of the control group. Talocalcaneal coalitions may be associated with tarsal tunnel soft tissue abnormalities affecting, in decreasing order, the FHL, FDL, and PT tendons, as well as the MPN. This information should be provided to the referring physician in order to guide treatment and improve post-surgical outcome. (orig.)

  2. Tarsal tunnel disease and talocalcaneal coalition: MRI features

    Energy Technology Data Exchange (ETDEWEB)

    FitzGerald Alaia, Erin; Rosenberg, Zehava Sadka; Bencardino, Jenny T.; Ciavarra, Gina A.; Petchprapa, Catherine N. [New York University Langone Medical Center, New York, NY (United States); Rossi, Ignacio [New York University Langone Medical Center, New York, NY (United States); Centro de Diagnostico Dr. Enrique Rossi, Buenos Aires (Argentina)

    2016-11-15

    To assess, utilizing MRI, tarsal tunnel disease in patients with talocalcaneal coalitions. To the best of our knowledge, this has only anecdotally been described before. Sixty-seven ankle MRIs with talocalcaneal coalition were retrospectively reviewed for disease of tendons and nerves of the tarsal tunnel. Interobserver variability in diagnosing tendon disease was performed in 30 of the 67 cases. Tarsal tunnel nerves were also evaluated in a control group of 20 consecutive ankle MRIs. Entrapment of the flexor hallucis longus tendon (FHL) by osseous excrescences was seen in 14 of 67 cases (21 %). Attenuation, split tearing, tenosynovitis, or tendinosis of the FHL was present in 26 cases (39 %). Attenuation or tenosynovitis was seen in the flexor digitorum longus tendon (FDL) in 18 cases (27 %). Tenosynovitis or split tearing of the posterior tibial tendon (PT) was present in nine cases (13 %). Interobserver variability ranged from 100 % to slight depending on the tendon and type of disease. Intense increased signal and caliber of the medial plantar nerve (MPN), indicative of neuritis, was seen in 6 of the 67 cases (9 %). Mildly increased T2 signal of the MPN was seen in 15 (22 %) and in 14 (70 %) of the control group. Talocalcaneal coalitions may be associated with tarsal tunnel soft tissue abnormalities affecting, in decreasing order, the FHL, FDL, and PT tendons, as well as the MPN. This information should be provided to the referring physician in order to guide treatment and improve post-surgical outcome. (orig.)

  3. The value of MRI iniIdiopathic tarsal tunnel syndrome by measuring the cross-sectional area of tarsal tunnel

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Min Jung; Jeong, Yu Mi; Lee, Sheen Woo; Choi Seung; Kim, Jeong Ho; Park, Hong Gi [Gachon University, Gil Hospital, Incheon (Korea, Republic of)

    2015-03-15

    The purpose of this study was to evaluate the use of MRI as a diagnostic test in tarsal tunnel syndrome. There are no published reports with this aim and no diagnostic standard for idiopathic tarsal tunnel syndrome (TTS) using imaging modalities. We retrospectively searched our Picture Archiving and Communication System data and medical records to identify patients who were clinically and electomyographically diagnosed with idiopathic TTS without space-occupying lesion on MRI. Twenty five patients were included in the patient group. Another twenty-five patients who underwent ankle MRI for Achilles tendon disease were selected and included in the control group. Cross-sectional areas (CSA) of tarsal tunnel were manually measured independently by two radiologists who were blinded to clinical and surgical results, using three-dimensional reconstruction software in our hospital. Measurements were done on axial images at three levels (level 1, tibiotalar joint level; level 2, medial malleolar tip level; level 3, sustentaculum tali level). Patient and control group data were statistically analyzed by the Mann-Whitney test. The mean values of CSA at levels 1, 2, and 3 of the tarsal tunnel were 87.8 mm2, 98.2 mm2, and 105.2 mm2, respectively in the patient group; and 100.0 mm2, 113.8 mm2, and 127.9 mm2 in the control group, respectively, in reader 1; and 86.2 mm2, 97.6 mm2, 105.2 mm2, respectively in the patient group; and 99.7 mm2, 112.3 mm2, 124.4 mm2, respectively, in the control group, in reader 2. The mean CSA in the patient group was significantly less than that of the control group at all three levels (p < 0.05). Intra-class correlation coefficient value between reader 1 and reader 2 were 0.98 in group 1, and 0.97 in group 2, respectively. MRI can be helpful in the assessment of idiopathic tarsal tunnel syndrome. CSA measurements of tarsal tunnel at each level may predict TTS even though there are no space occupying lesions in the tarsal tunnel on MRI.

  4. Experimental determination of new statistical correlations for the calculation of the heat transfer coefficient by convection for flat plates, cylinders and tube banks

    Directory of Open Access Journals (Sweden)

    Ismael Fernando Meza Castro

    2017-07-01

    Full Text Available Introduction: This project carried out an experimental research with the design, assembly, and commissioning of a convection heat transfer test bench. Objective: To determine new statistical correlations that allow knowing the heat transfer coefficients by air convection with greater accuracy in applications with different heating geometry configurations. Methodology: Three geometric configurations, such as flat plate, cylinders and tube banks were studied according to their physical properties through Reynolds and Prandtl numbers, using a data transmission interface using Arduino® controllers Measured the air temperature through the duct to obtain real-time data and to relate the heat transferred from the heating element to the fluid and to perform mathematical modeling in specialized statistical software. The study was made for the three geometries mentioned, one power per heating element and two air velocities with 10 repetitions. Results: Three mathematical correlations were obtained with regression coefficients greater than 0.972, one for each heating element, obtaining prediction errors in the heat transfer convective coefficients of 7.50% for the flat plate, 2.85% for the plate Cylindrical and 1.57% for the tube bank. Conclusions: It was observed that in geometries constituted by several individual elements, a much more accurate statistical adjustment was obtained to predict the behavior of the convection heat coefficients, since each unit reaches a stability in the surface temperature profile with Greater speed, giving the geometry in general, a more precise measurement of the parameters that govern the transfer of heat, as it is in the case of the geometry of the tube bank.

  5. The Usefulness of the Preoperative Magnetic Resonance Imaging Findings in the Evaluation of Tarsal Tunnel Syndrome

    Energy Technology Data Exchange (ETDEWEB)

    Jung, Hyun Jin; Lee, Sheen Woo; Jeong, Yu Mi; Choi, Hye Young; Kim, Hyung Sik [Dept. of Radiology, Gil Hospital, Gacheon University College of Medicine, Incheon (Korea, Republic of); Park, Hong Gi; Kwak, Ji Hoon [Dept. of Orthopedic Surgery, Gil Hospital, Gacheon University College of Medicine, Incheon (Korea, Republic of)

    2012-02-15

    The purpose of this study was to access the diverse conditions that lead to the clinical manifestations of tarsal tunnel syndrome and evaluate the usefulness of magnetic resonance imaging (MRI) in preoperative evaluation. Thirty-three patients who underwent ankle MRI and surgery under the impression of tarsal tunnel syndrome were retrospectively analyzed. The findings on ankle MRI were categorized into space occupying lesions within the tarsal tunnel, space occupying lesions of the tunnel wall, and non-space occupying lesions. Associated plantar muscle atrophy was also evaluated. Medical records were reviewed for correlation of nerve conduction velocity (NCV) and surgical findings. There were 21 space occupying lesions of the tarsal tunnel, and eight lesions of tarsal tunnel wall. There were three cases with accessory muscle, three with tarsal coalition, five with ganglion cysts, one neurogenic tumor, five flexor retinaculum hypertrophy, three varicose veins, and nine with tenosynovitis of the posterior tibialis, flexor digitorum longus, or flexor hallucis longus tendon. One patient was found to have a deltoid ligament sprain. Of the 32, eight patients experienced fatty atrophic change within any one of the foot muscles. NCV was positive in 79% of the MRI-positive lesions. MRI provides detailed information on ankle anatomy, which includes that of tarsal tunnel and beyond. Pathologic conditions that cause or mimic tarsal tunnel syndrome are well demonstrated. MRI can enhance surgical planning by indicating the extent of decompression required, and help with further patient management. Patients with tarsal tunnel syndrome can greatly benefit from preoperative MRI. However, it should be noted that not all cases with tarsal tunnel syndrome have MRI-demonstrable causes.

  6. The Usefulness of the Preoperative Magnetic Resonance Imaging Findings in the Evaluation of Tarsal Tunnel Syndrome

    International Nuclear Information System (INIS)

    Jung, Hyun Jin; Lee, Sheen Woo; Jeong, Yu Mi; Choi, Hye Young; Kim, Hyung Sik; Park, Hong Gi; Kwak, Ji Hoon

    2012-01-01

    The purpose of this study was to access the diverse conditions that lead to the clinical manifestations of tarsal tunnel syndrome and evaluate the usefulness of magnetic resonance imaging (MRI) in preoperative evaluation. Thirty-three patients who underwent ankle MRI and surgery under the impression of tarsal tunnel syndrome were retrospectively analyzed. The findings on ankle MRI were categorized into space occupying lesions within the tarsal tunnel, space occupying lesions of the tunnel wall, and non-space occupying lesions. Associated plantar muscle atrophy was also evaluated. Medical records were reviewed for correlation of nerve conduction velocity (NCV) and surgical findings. There were 21 space occupying lesions of the tarsal tunnel, and eight lesions of tarsal tunnel wall. There were three cases with accessory muscle, three with tarsal coalition, five with ganglion cysts, one neurogenic tumor, five flexor retinaculum hypertrophy, three varicose veins, and nine with tenosynovitis of the posterior tibialis, flexor digitorum longus, or flexor hallucis longus tendon. One patient was found to have a deltoid ligament sprain. Of the 32, eight patients experienced fatty atrophic change within any one of the foot muscles. NCV was positive in 79% of the MRI-positive lesions. MRI provides detailed information on ankle anatomy, which includes that of tarsal tunnel and beyond. Pathologic conditions that cause or mimic tarsal tunnel syndrome are well demonstrated. MRI can enhance surgical planning by indicating the extent of decompression required, and help with further patient management. Patients with tarsal tunnel syndrome can greatly benefit from preoperative MRI. However, it should be noted that not all cases with tarsal tunnel syndrome have MRI-demonstrable causes.

  7. Role of the offshore Pedro Banks left-lateral strike-slip fault zone in the plate tectonic evolution of the northern Caribbean

    Science.gov (United States)

    Ott, B.; Mann, P.; Saunders, M.

    2013-12-01

    Previous workers, mainly mapping onland active faults on Caribbean islands, defined the northern Caribbean plate boundary zone as a 200-km-wide bounded by two active and parallel strike-slip faults: the Oriente fault along the northern edge of the Cayman trough with a GPS rate of 14 mm/yr, and and the Enriquillo-Plaintain Garden fault zone (EPGFZ) with a rate of 5-7 mm/yr. In this study we use 5,000 km of industry and academic data from the Nicaraguan Rise south and southwest of the EPGFZ in the maritime areas of Jamaica, Honduras, and Colombia to define an offshore, 700-km-long, active, left-lateral strike-slip fault in what has previously been considered the stable interior of the Caribbean plate as determined from plate-wide GPS studies. The fault was named by previous workers as the Pedro Banks fault zone because a 100-km-long segment of the fault forms an escarpment along the Pedro carbonate bank of the Nicaraguan Rise. Two fault segments of the PBFZ are defined: the 400-km-long eastern segment that exhibits large negative flower structures 10-50 km in width, with faults segments rupturing the sea floor as defined by high resolution 2D seismic data, and a 300-km-long western segment that is defined by a narrow zone of anomalous seismicity first observed by previous workers. The western end of the PBFZ terminates on a Quaternary rift structure, the San Andres rift, associated with Plio-Pleistocene volcanism and thickening trends indicating initial rifting in the Late Miocene. The southern end of the San Andreas rift terminates on the western Hess fault which also exhibits active strands consistent with left-lateral, strike-slip faults. The total length of the PBFZ-San Andres rift-Southern Hess escarpment fault is 1,200 km and traverses the entire western end of the Caribbean plate. Our interpretation is similar to previous models that have proposed the "stable" western Caribbean plate is broken by this fault whose rate of displacement is less than the threshold

  8. The harvestman tarsus and tarsal flexor system with notes on appendicular sensory structures in Laniatores.

    Science.gov (United States)

    Proud, Daniel N; Felgenhauer, Bruce E

    2013-11-01

    The tarsal flexor system, a novel system of retinacular structures, is described for the first time based on morphological and ultrastructural examinations of several Neotropical harvestmen (Opiliones: Laniatores). The tarsal flexor system is made up of many individual pulleys that function to maintain close apposition between the tendon and internal ventral surface of the cuticle in the tarsus. Pulley cells are specialized tendinous cells that form the semi-circular, retinacular pulley system in the tarsus; these cells contain parallel arrays of microtubules that attach to cuticular fibers extending from deep within the cuticle (i.e., tonofibrillae). The tarsal flexor system is hypothesized to provide mechanical advantage for tarsal flexion and other movements of the tarsus. This system is discussed with regards to other lineages of Opiliones, especially those that exhibit prehensility of the tarsus (i.e., Eupnoi). Comparing tarsal morphology of laniatorid harvestmen to other well-studied arachnids, we review some literature that may indicate the presence of similar tarsal structures in several arachnid orders. The general internal organization of the tarsus is described, and ultrastructural data are presented for a number of tarsal structures, including sensilla chaetica and the tarsal perforated organ. Sensilla chaetica possess an internal lumen with dendritic processes in the center and exhibit micropores at the distal tip. With respect to the tarsal perforated organ, we found no ultrastructural evidence for a sensory or secretory function, and we argue that this structure is the result of a large pulley attachment site on the internal surface of the cuticle. A small, previously undocumented muscle located in the basitarsus is also reported. Copyright © 2013 Wiley Periodicals, Inc.

  9. Case Study of Oriental Medicine Treatment with acupotomy Therpy of the Tarsal tunnel Syndrome

    Directory of Open Access Journals (Sweden)

    Lim Na-ra

    2009-03-01

    Full Text Available Purpose : In order to estimate clinical effects of Oriental Medicine Treatment with acupotomy therapy of Tarsal tunnel Syndrome Methods : From 5th November, 2008 to 8th November, 2008, 1 male patient diagnosed as Tarsal tunnel syndrome(clinical diagnosed was treated with general oriental medicine therapy (acupuncture, moxibustion, cupping, physical therapy, herbal medication and acupotomy. Results : The patient's Rt foot paresthesia, pain were remarkably improved. Conclusions : This study demonstrates that oriental medical treatment with acuputomy therapy has notable effect in improving symptoms of tarsal tunnel syndrome. as though we had not wide experience in this treatment, more research is needed.

  10. Hardness map of human meta tarsals and phalanges of toes.

    Science.gov (United States)

    Manarvi, Irfan

    2016-08-01

    Predicting location of fracture in human bones has been a keen area of research for the past few decades. A variety of tests for hardness, deformation and strain field measurement have been conducted in the past; but considered insufficient due to various limitations. Researchers therefore have proposed further studies due to inaccuracies in measurement methods, testing machines and experimental errors. Advancement and availability of hardware, measuring instrumentation and testing machines can now provide remedies to these limitations. Human foot is a critical part of body exposed to various forces throughout its life. A number of products are developed for using over it for protection and care. Which many times do not provide sufficient protection and may itself become a source of stress due to non-consideration of the delicacy of bones in the feet. A continuous strain or overloading on feet may occur resulting to discomfort and even fracture. Not knowing how the hardness is spread all over the Meta tarsals and phalanges is one of major contributory factor for unsatisfactory design of foot protection products. This paper provides a complete hardness distribution map developed by experimental testing of all the Meta tarsals and Phalanges of toes for a typical human foot. The bones were taken from two left feet of a 40 and 42 year old male cadaver. These were dehydrated prior to measurements of hardness using Leeb hardness testing method. Hardness was measured around the circumference of a bone as well as along its length. Hardness values can be related to tensile strength of the bones to predict possible values of stress that could be borne by these bones. Results may also be used for design and developing various accessories for human feet health care and comfort.

  11. The compact capacitor bank CQ-1.5 employed in magnetically driven isentropic compression and high velocity flyer plate experiments.

    Science.gov (United States)

    Wang, Guiji; Sun, Chengwei; Tan, Fuli; Zhao, Jianheng; Zhang, Ning; Liu, Cangli; Mo, Jianjun; Wang, Ganghua; Wang, Xiaosong

    2008-05-01

    Based on the low inductance capacitor, the parallel-plate transmission line, and the explosive network closing switch, a compact pulsed power generator CQ-1.5 has been developed at the Institute of Fluid Physics and is capable to deliver a current of peak of 1.5 MA within rise time of 500-570 ns into a 2-3 nH inductive load. The work is motivated to do isentropic compression experiments (ICEs) on metals up to 30-50 GPa and to launch flyer plates at velocities over 8 kms. The experiments were conducted with the diagnostics of both Doppler pin system and velocity interferometer system for any reflectors, and the measured free surface velocity histories of ICE samples were treated with a backward integration code. The results show that the isentropes of Cu and Al samples under 35 GPa are close to their Hugoniots within a deviation of 3%. The LY12 aluminum flyer plates were accelerated to a velocity over 8.96 kms.

  12. The compact capacitor bank CQ-1.5 employed in magnetically driven isentropic compression and high velocity flyer plate experiments

    Science.gov (United States)

    Wang, Guiji; Sun, Chengwei; Tan, Fuli; Zhao, Jianheng; Zhang, Ning; Liu, Cangli; Mo, Jianjun; Wang, Ganghua; Wang, Xiaosong

    2008-05-01

    Based on the low inductance capacitor, the parallel-plate transmission line, and the explosive network closing switch, a compact pulsed power generator CQ-1.5 has been developed at the Institute of Fluid Physics and is capable to deliver a current of peak of 1.5MA within rise time of 500-570ns into a 2-3nH inductive load. The work is motivated to do isentropic compression experiments (ICEs) on metals up to 30-50GPa and to launch flyer plates at velocities over 8km/s. The experiments were conducted with the diagnostics of both Doppler pin system and velocity interferometer system for any reflectors, and the measured free surface velocity histories of ICE samples were treated with a backward integration code. The results show that the isentropes of Cu and Al samples under 35GPa are close to their Hugoniots within a deviation of 3%. The LY12 aluminum flyer plates were accelerated to a velocity over 8.96km/s.

  13. Ganglia of the tarsal sinus: MR imaging features and clinical findings

    International Nuclear Information System (INIS)

    Bauer, Jan S.; Müller, Dirk; Sauerschnig, Martin; Imhoff, Andreas B.; Rechl, H.; Rummeny, Ernst J.; Woertler, Klaus

    2011-01-01

    Purpose: To analyze MR imaging and clinical findings associated with ganglia of the tarsal sinus. Materials and methods: In a record search, ganglia of the tarsal sinus were retrospectively identified in 26 patients (mean age 48 ± 16 years), who underwent MR imaging for chronic ankle pain. Images were reviewed by two radiologists in consensus for size and location of ganglia, lesions of ligaments of the ankle and the tarsal sinus, tendon abnormalities, osteoarthritis, osseous erosions and bone marrow abnormalities. Medical records were reviewed for patient history and clinical findings. Results: Ganglia were associated with the interosseus ligament in 81%, the cervical ligament in 31% and the retinacula in 46% of cases. Signal alterations suggesting degeneration were found in 85%, 50% and 63% in case of the interosseus ligament, the cervical ligament and the retinacula, respectively. Scarring of the anterior talofibular ligament and the fibulocalcaneal ligament was found in 68% and 72% of the patients, respectively, while only 27% of the patients recalled ankle sprains. Ganglia at the retinacula were highly associated with synovitis and tendinosis of the posterior tibial tendon (p < 0.05). Conclusion: All patients with ganglia in the tarsal sinus presented with another pathology at the ankle, suggesting that degeneration of the tarsal sinus may be a secondary phenomenon, due to pathologic biomechanics at another site of the hind foot. Thus, in patients with degenerative changes of the tarsal sinus, one should be alerted and search for underlying pathology, which may be injury of the lateral collateral ligaments in up to 70%.

  14. Bone scintigraphy as an aid in the diagnosis of occult distal tarsal bone trauma in three horses

    International Nuclear Information System (INIS)

    Stover, S.M.; Hornof, W.J.; Richardson, G.L.; Meagher, D.M.

    1986-01-01

    History, physical examination, and bone scintigraphy were used to diagnose central and/or third tarsal bone trauma in 3 acutely lame horses. In all 3 cases, the results of initial radiographic examination were negative. Bone scintigraphy revealed focal, intense radioisotope uptake at the level of the distal tarsal bones in the 3 horses. Radiographs obtained 4 weeks after injury in one horse demonstrated a slab fracture of the central tarsal bone. Conservative management of the tarsal bone disease resulted in acceptable return to function in all 3 horses

  15. Predictive control of intersegmental tarsal movements in an insect.

    Science.gov (United States)

    Costalago-Meruelo, Alicia; Simpson, David M; Veres, Sandor M; Newland, Philip L

    2017-08-01

    In many animals intersegmental reflexes are important for postural and movement control but are still poorly undesrtood. Mathematical methods can be used to model the responses to stimulation, and thus go beyond a simple description of responses to specific inputs. Here we analyse an intersegmental reflex of the foot (tarsus) of the locust hind leg, which raises the tarsus when the tibia is flexed and depresses it when the tibia is extended. A novel method is described to measure and quantify the intersegmental responses of the tarsus to a stimulus to the femoro-tibial chordotonal organ. An Artificial Neural Network, the Time Delay Neural Network, was applied to understand the properties and dynamics of the reflex responses. The aim of this study was twofold: first to develop an accurate method to record and analyse the movement of an appendage and second, to apply methods to model the responses using Artificial Neural Networks. The results show that Artificial Neural Networks provide accurate predictions of tarsal movement when trained with an average reflex response to Gaussian White Noise stimulation compared to linear models. Furthermore, the Artificial Neural Network model can predict the individual responses of each animal and responses to others inputs such as a sinusoid. A detailed understanding of such a reflex response could be included in the design of orthoses or functional electrical stimulation treatments to improve walking in patients with neurological disorders as well as the bio/inspired design of robots.

  16. Vascularized pedicle bone grafting for nonunions of the tarsal navicular.

    Science.gov (United States)

    Fishman, Felicity G; Adams, Samuel B; Easley, Mark E; Nunley, James A

    2012-09-01

    Osteonecrosis and nonunions of the tarsal navicular remain a challenging clinical problem. This article presents a series of patients treated with local vascularized pedicle bone grafting to the navicular. The purpose of this study was to determine the early clinical and radiographic outcomes of this technique. Patients who underwent local vascularized pedicle bone grafting for osteonecrosis of the navicular from 2002 to 2007 were included in this study. The Ankle Osteoarthritis Scale (AOS), the Revised Foot Function Index (FFI-R), and the Short-Form 36 (SF-36) outcomes questionnaires were administered at most recent followup. Postoperative imaging was reviewed for evidence of healing. Eight patients with a mean age of 47.5 (range, 18 to 68) years were included in this study. The mean followup time was 61 (range, 32 to 72) months. Two patients underwent concomitant talonavicular arthrodesis. Two patients underwent additional procedures to address continued nonunion of the navicular. Neither patient elected to complete the outcomes questionnaires. The mean postoperative FFI score was 35.2 (range, 16.6 to 59). SF-36 subscales were as follows: bodily pain, 53; general health, 55; mental health, 75; physical function, 56; role emotional, 61; role physical, 37.5; social function, 71; and vitality, 56. The mean postoperative AOS pain score was 27.9 (range, 0 to 46.2) and the average disability score was 31.4 (range, 0 to 78.2). Postoperative imaging revealed consolidation and full healing in six of eight patients. Vascularized pedicle bone grafting is a treatment option for patients with chronic nonunion or osteonecrosis of the navicular. Additionally, it may serve as an adjunct procedure to provide increased vascularity to talonavicular arthrodesis in cases of navicular osteonecrosis and talonavicular arthritis.

  17. Long-term outcomes after partial tarsal arthrodesis in working farm dogs in New Zealand.

    Science.gov (United States)

    Scrimgeour, A B; Bruce, W J; Bridges, J P; Walsh, V P; Worth, A J

    2012-01-01

    To report the long-term outcome (return to work and owner satisfaction) for working farm dogs in New Zealand after partial tarsal arthrodesis for proximal intertarsal and/or tarsometatarsal tarsal joint injury. Working farm dogs that underwent partial tarsal arthrodesis were identified by diagnosis and breed code via a search of the medical records of Massey University Veterinary Teaching Hospital (MUVTH) and Veterinary Specialist Orthopaedic Services (VetSOS). Fourteen dogs fulfilled the selection criteria and were all actively in work on farms at the time of injury. Data from case files were analysed, and the ability of the dog to work after surgery and owners' satisfaction were assessed using a questionnaire sent to owners at a median follow-up interval of 57 months. Following partial tarsal arthrodesis, 7/14 (50%) dogs could perform normal work duties required while 4/14 (29%) dogs could perform most of the duties they had undertaken before injury, though some allowance had to be made for reduced performance. Thirteen owners were satisfied or very satisfied with the outcome of surgery and 12/14 thought the financial investment required for the surgery was worthwhile. Of the three dogs that did not return to work, infection requiring implant removal (one dog) and less than optimal post-operative limb alignment (two dogs) were assessed to contribute to the poor outcome. Two other dogs that required implant removal due to infection did successfully return to work. In this limited cases series, partial tarsal arthrodesis in working dogs had a good prognosis for return to work. Any conclusion regarding the benefit of a particular surgical technique requires a prospective evaluation with a larger number of animals. It is important to minimise the risk of infection and optimally align the tarsus to avoid a poor outcome. New Zealand veterinarians can now provide more accurate prognostic information to owners whose working dogs suffer tarsal trauma requiring partial

  18. The dimensions of the tarsal sinus and canal in different foot positions and its clinical implications

    NARCIS (Netherlands)

    Kleipool, R. P.; Blankevoort, L.; Ruijter, J. M.; Kerkhoffs, G. M. M. J.; Oostra, R. J.

    2017-01-01

    This study presents a reference for the dimensions of the tarsal sinus and canal in healthy adults in different foot positions to facilitate understanding of the kinematics of the subtalar joint, the effect of an implant, and other clinical issues. In a 3D CT stress test on 20 subjects, the right

  19. Touch pressure and sensory density after tarsal tunnel release in diabetic neuropathy.

    Science.gov (United States)

    Gondring, William H; Tarun, Prashant K; Trepman, Elly

    2012-12-01

    Limited quantitative information is available about the improvement of protective sensation after tarsal tunnel release in patients with diabetic peripheral neuropathy. Prospective, non-blinded, non-randomized case series of 10 feet in 8 diabetic patients and 24 feet in 22 non-diabetic patients who had tarsal tunnel release. Preoperative and postoperative (average, 8-9 months) anatomic, quantitative sensory testing was done with touch pressure 1-point threshold (Semmes-Weinstein monofilaments) and 2-point discrimination. There was marked, significant postoperative improvement of mean touch pressure 1-point threshold, compared with preoperative values, for medial calcaneal, medial plantar, and lateral plantar nerves in both non-diabetic and diabetic patients. There was minimal improvement in 2-point discrimination only for the medial calcaneal nerve in non-diabetic, but not in diabetic, patients. Nerve entrapment at the tarsal tunnel is an important component of diabetic peripheral neuropathy. Tarsal tunnel decompression may improve sensory impairment and restore protective sensation. Copyright © 2012 European Foot and Ankle Society. Published by Elsevier Ltd. All rights reserved.

  20. Biomechanical Comparison of External Fixation and Compression Screws for Transverse Tarsal Joint Arthrodesis.

    Science.gov (United States)

    Latt, L Daniel; Glisson, Richard R; Adams, Samuel B; Schuh, Reinhard; Narron, John A; Easley, Mark E

    2015-10-01

    Transverse tarsal joint arthrodesis is commonly performed in the operative treatment of hindfoot arthritis and acquired flatfoot deformity. While fixation is typically achieved using screws, failure to obtain and maintain joint compression sometimes occurs, potentially leading to nonunion. External fixation is an alternate method of achieving arthrodesis site compression and has the advantage of allowing postoperative compression adjustment when necessary. However, its performance relative to standard screw fixation has not been quantified in this application. We hypothesized that external fixation could provide transverse tarsal joint compression exceeding that possible with screw fixation. Transverse tarsal joint fixation was performed sequentially, first with a circular external fixator and then with compression screws, on 9 fresh-frozen cadaveric legs. The external fixator was attached in abutting rings fixed to the tibia and the hindfoot and a third anterior ring parallel to the hindfoot ring using transverse wires and half-pins in the tibial diaphysis, calcaneus, and metatarsals. Screw fixation comprised two 4.3 mm headless compression screws traversing the talonavicular joint and 1 across the calcaneocuboid joint. Compressive forces generated during incremental fixator foot ring displacement to 20 mm and incremental screw tightening were measured using a custom-fabricated instrumented miniature external fixator spanning the transverse tarsal joint. The maximum compressive force generated by the external fixator averaged 186% of that produced by the screws (range, 104%-391%). Fixator compression surpassed that obtainable with screws at 12 mm of ring displacement and decreased when the tibial ring was detached. No correlation was found between bone density and the compressive force achievable by either fusion method. The compression across the transverse tarsal joint that can be obtained with a circular external fixator including a tibial ring exceeds that

  1. On Heels and Toes: How Ants Climb with Adhesive Pads and Tarsal Friction Hair Arrays.

    Directory of Open Access Journals (Sweden)

    Thomas Endlein

    Full Text Available Ants are able to climb effortlessly on vertical and inverted smooth surfaces. When climbing, their feet touch the substrate not only with their pretarsal adhesive pads but also with dense arrays of fine hairs on the ventral side of the 3rd and 4th tarsal segments. To understand what role these different attachment structures play during locomotion, we analysed leg kinematics and recorded single-leg ground reaction forces in Weaver ants (Oecophylla smaragdina climbing vertically on a smooth glass substrate. We found that the ants engaged different attachment structures depending on whether their feet were above or below their Centre of Mass (CoM. Legs above the CoM pulled and engaged the arolia ('toes', whereas legs below the CoM pushed with the 3rd and 4th tarsomeres ('heels' in surface contact. Legs above the CoM carried a significantly larger proportion of the body weight than legs below the CoM. Force measurements on individual ant tarsi showed that friction increased with normal load as a result of the bending and increasing side contact of the tarsal hairs. On a rough sandpaper substrate, the tarsal hairs generated higher friction forces in the pushing than in the pulling direction, whereas the reverse effect was found on the smooth substrate. When the tarsal hairs were pushed, buckling was observed for forces exceeding the shear forces found in climbing ants. Adhesion forces were small but not negligible, and higher on the smooth substrate. Our results indicate that the dense tarsal hair arrays produce friction forces when pressed against the substrate, and help the ants to push outwards during horizontal and vertical walking.

  2. On Heels and Toes: How Ants Climb with Adhesive Pads and Tarsal Friction Hair Arrays.

    Science.gov (United States)

    Endlein, Thomas; Federle, Walter

    2015-01-01

    Ants are able to climb effortlessly on vertical and inverted smooth surfaces. When climbing, their feet touch the substrate not only with their pretarsal adhesive pads but also with dense arrays of fine hairs on the ventral side of the 3rd and 4th tarsal segments. To understand what role these different attachment structures play during locomotion, we analysed leg kinematics and recorded single-leg ground reaction forces in Weaver ants (Oecophylla smaragdina) climbing vertically on a smooth glass substrate. We found that the ants engaged different attachment structures depending on whether their feet were above or below their Centre of Mass (CoM). Legs above the CoM pulled and engaged the arolia ('toes'), whereas legs below the CoM pushed with the 3rd and 4th tarsomeres ('heels') in surface contact. Legs above the CoM carried a significantly larger proportion of the body weight than legs below the CoM. Force measurements on individual ant tarsi showed that friction increased with normal load as a result of the bending and increasing side contact of the tarsal hairs. On a rough sandpaper substrate, the tarsal hairs generated higher friction forces in the pushing than in the pulling direction, whereas the reverse effect was found on the smooth substrate. When the tarsal hairs were pushed, buckling was observed for forces exceeding the shear forces found in climbing ants. Adhesion forces were small but not negligible, and higher on the smooth substrate. Our results indicate that the dense tarsal hair arrays produce friction forces when pressed against the substrate, and help the ants to push outwards during horizontal and vertical walking.

  3. Reverse-Flow Lateral Tarsal Island Flap for Covering the Great Toe Donor Site of Wraparound Flap.

    Science.gov (United States)

    Jia, Yachao; Xu, Jia; Kang, Qinglin; Zhang, Changqing; Chai, Yimin

    2016-10-01

    Coverage of the great toe donor site of wraparound flap remains a challenge. This report presents the results of using an innervated pedicled reverse-flow lateral tarsal island flap for covering the great toe donor site of wraparound flap. Between 2005 and 2010, 11 reverse-flow lateral tarsal island flaps were used to cover the great toe donor site of wraparound flap in 11 patients. This pedicled flap designed on the lateral tarsal area of foot was based distally on the dorsalis pedis artery; the lateral dorsal pedal cutaneous nerve was incorporated into the reverse-flow lateral tarsal island flap and coapted with the first plantar digital nerve. The donor sites of reverse-flow lateral tarsal island flap were covered with inguinal full-thickness skin grafts. All flaps achieved primary healing except for two that suffered from mild venous insufficiency which was managed by conservative intervention. All skin grafts covering the donor site of reverse-flow lateral tarsal island flap healed uneventfully. The mean follow-up was 24 months (range, 18-48 months). The mean hallux metatarsophalangeal-interphalangeal scale score was 92 points (range, 85-97 points) at 6 months postoperatively. The static 2-point discrimination of the reverse-flow lateral tarsal island flap ranged from 6 to 14 mm (mean 10 mm). None of the patients were restricted in standing or walking during follow-up. The reverse-flow lateral tarsal island flap based distally on the dorsalis pedis artery has a constant pedicle that is sufficiently long. This innervated pedicle flap is a reliable option to cover the great toe donor site of wraparound flap with satisfactory functional and cosmetic results and acceptable donor site morbidity.

  4. Diagnostics in tarsal fusion: The theory and practise in The Netherlands.

    Science.gov (United States)

    Stegeman, Mark; van Ginneken, Berbke T J; Romijn, Marc G; Castelein, René M; Louwerens, Jan Willem K

    2017-09-01

    This study compares the preferences of Dutch orthopaedic surgeons for different diagnostic modalities in performing tarsal fusions versus consensus, evidence or expert opinion reported in the literature. A literature search of Medline was performed to obtain evidence-based information on various diagnostic tools. In addition, 89 registered Dutch foot and ankle surgeons were sent a questionnaire concerning the diagnostic modalities use in tarsal fusion. Fifty-eight (65%) questionnaires were returned. The experienced surgeons measured outcomes significantly more often than other surgeons. Diagnostic injections were often used, although scant evidence exists in the literature. Postoperative diagnostics mainly consist of X-ray examination, although there is consensus in the literature that computed tomography is more accurate. The study revealed some surprising discrepancies concerning the use of diagnostic imaging in tarsal fusion. More clinical research is needed to identify the most effective diagnostic imaging modalities so as to encourage their wider adoption. Copyright © 2016 European Foot and Ankle Society. Published by Elsevier Ltd. All rights reserved.

  5. Sex estimation from the tarsal bones in a Portuguese sample: a machine learning approach.

    Science.gov (United States)

    Navega, David; Vicente, Ricardo; Vieira, Duarte N; Ross, Ann H; Cunha, Eugénia

    2015-05-01

    Sex estimation is extremely important in the analysis of human remains as many of the subsequent biological parameters are sex specific (e.g., age at death, stature, and ancestry). When dealing with incomplete or fragmented remains, metric analysis of the tarsal bones of the feet has proven valuable. In this study, the utility of 18 width, length, and height tarsal measurements were assessed for sex-related variation in a Portuguese sample. A total of 300 males and females from the Coimbra Identified Skeletal Collection were used to develop sex prediction models based on statistical and machine learning algorithm such as discriminant function analysis, logistic regression, classification trees, and artificial neural networks. All models were evaluated using 10-fold cross-validation and an independent test sample composed of 60 males and females from the Identified Skeletal Collection of the 21st Century. Results showed that tarsal bone sex-related variation can be easily captured with a high degree of repeatability. A simple tree-based multivariate algorithm involving measurements from the calcaneus, talus, first and third cuneiforms, and cuboid resulted in 88.3% correct sex estimation both on training and independent test sets. Traditional statistical classifiers such as the discriminant function analysis were outperformed by machine learning techniques. Results obtained show that machine learning algorithm are an important tool the forensic practitioners should consider when developing new standards for sex estimation.

  6. The value of spiral CT scan on fracture of ankle joint and tarsal bones

    International Nuclear Information System (INIS)

    Li Zhaoli; Liang Jingyin; Pan Zhifeng

    2009-01-01

    Objective: To study the value of spiral CT scan on the fracture of ankle joint and tarsal bones. Methods: 43 cases with the fracture of ankle joint and tarsal bones were collected and analyzed. All the cases were examined by plain film radiography and spiral CT thin slice scan. Multi-planar reformation (MPR), surface shaded display (SSD) and other techniques of image post-processing were performed in 35 cases of them. Results: Spiral CT scan could demonstrate more fractures than plain film radiography in 28 cases(65.1%). There are 15 cases (34.9%) which are normal in plain film radiography but abnormal in Spiral CT scan. Spiral CT could demonstrate the different length, width, direction and number of linear low density shadow. SSD and MPR were performed again in the cases with avulsion fracture and fragmental fracture to demonstrate the fracture direction and the shape, size and location of fragments more clearly. Conclusion: Spiral CT thin slice scan with image post-processing techniques can play an important role in fracture of ankle joint and tarsal bones. (authors)

  7. 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.

  8. The Tarsal Bone Test: A Basic Test of Health Sciences Students' Knowledge of Lower Limb Anatomy

    Directory of Open Access Journals (Sweden)

    José Manuel Castillo-López

    2014-01-01

    Full Text Available Objectives. The aim of the present study was to design an easy-to-use tool, the tarsal bone test (TBT, to provide a snapshot of podiatry students’ basic anatomical knowledge of the bones of the lower limb. Methods. The study included 254 podiatry students from three different universities, 145 of them were first-year students and 109 were in their fourth and final years. The TBT was administered without prior notice to the participants and was to be completed in 5 minutes. Results. The results show that 97.2% of the subjects (n=247 correctly labelled all tarsal bones, while the other 2.8% (n=7 incorrectly labelled at least one bone, that was either the cuboid (7 times or the navicular (6 times. Although only one fourth-year student inaccurately identified one bone, no significant differences in the distribution of the correct and incorrect responses were found between first and fourth-year students. Conclusions. The TBT seems to be a straightforward and easy-to-apply instrument, and provides an objective view of the level of knowledge acquired at different stages of podiatry studies.

  9. Fine structure of tarsal sensory organs in the whip spider Admetus pumilio (Amblypygi, Arachnida).

    Science.gov (United States)

    Foelix, R F; Chu-Wang, I W; Beck, L

    1975-01-01

    The sensory organs on the tarsi of the antenniform first legs of the whip spider Admetus pumilio C. L. Koch (Amblypygi, Arachnida) were examined with the scanning and transmission electron microscope. At least four different types of hair sensilla were found: (1) thick-walled bristles, which have the characteristics of contact chemoreceptors (several chemoreceptive dendrites in the lumen plus two mechanoreceptors at the base); (2) short club sensilla, innervated by 4-6 neurons which terminate in a pore on the tip; they are possibly humidity receptors; (3) porous sensilla, which are either innervated by 20-25 neurons and have typical pore tubules, or they have 40-45 neurons but no pore tubules; both types are considered to be olfactory; (4) rod sensilla occur in clusters near segmental borders; they are innervated by only one large dendrite which branches inside the lumen. Other tarsal receptors are the claws, which correspond to contact chemoreceptors, and the pit organ which resembles the tarsal organ of spiders. Compared to other arthropod sensilla, the contact chemoreceptors are very similar to those of spiders, while the porous sensilla correspond structurally to olfactory receptors in insects; the club and rod sensilla seem to be typical for amblypygids.

  10. 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.

  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. Bilateral anterior tarsal tunnel syndrome variant secondary to extensor hallucis brevis muscle hypertrophy in a ballet dancer: a case report.

    Science.gov (United States)

    Tennant, Joshua N; Rungprai, Chamnanni; Phisitkul, Phinit

    2014-12-01

    We present a case of bilateral anterior tarsal tunnel syndrome secondary EHB hypertrophy in a dancer, with successful treatment with bilateral EHB muscle excisions for decompression. The bilateral presentation of this case with the treatment of EHB muscle excision is the first of its type reported in the literature. Copyright © 2014 European Foot and Ankle Society. Published by Elsevier Ltd. All rights reserved.

  13. External fixation to correct tarsal-metatarsal fracture in rock pigeon (Columba livia

    Directory of Open Access Journals (Sweden)

    Leandro Almeida Rui

    Full Text Available ABSTRACT Orthopedic conditions, such as bone fractures, are very common in avian medicine. External fixators have been considered the gold standard for birds, since they allow early movement of the limbs and minimal invasive surgery. Fractures in several bones have been successfully treated in pigeons. However, to the best of our knowledge, this case represents the first report of successful surgical repair of tarsal-metatarsal fracture in rock pigeon. External fixator was made with four 24G catheters, being inserted manually proximal and distal to the fracture and connected with polymerizable acrylic. Radiographic consolidation of fracture was observed 60 days post-surgery and anti-inflammatory and antibiotic protocols were successful on avoiding pain and infection during surgery and bone healing.

  14. [Stress fractures of the tarsal navicular bone. Causality, diagnosis, therapy, prophylaxis].

    Science.gov (United States)

    Ivanic, G M; Juranitsch, T; Myerson, M S; Trnka, H J

    2003-12-01

    Stress fractures of the tarsal navicular bone are a challenge in diagnosis and therapy. First and foremost you have to think about this fracture. The origin of the injury can be detected in a wrong or too heavy strain of the bone especially in long distance runners and recruits. The MRI is the diagnostic tool of first choice. Therapy of displaced or comminuted fractures as well as pseudarthrosis is best done with surgical procedures like direct screw fixation or interposition of autologous bone depending on the circumstances and the age of injury. Conservative treatment with a plaster of Paris is useful in non-displaced and non-comminuted fractures. Prophylaxis with technical aids and a changing habits is recommended.

  15. Insect wing tarsal foreign body causing conjunctival granuloma and marginal keratitis

    Directory of Open Access Journals (Sweden)

    Babu Kalpana

    2009-01-01

    Full Text Available A 37 year old male was referred to our centre for management of episcleritis with peripheral keratitis in the right eye. He had a history of ocular discomfort in the right eye of 1 week duration. Slitlamp examination revealed marginal keratitis between 12′o clock to 2′o clock positions in the right eye. Lid eversion revealed an insect wing on the tarsal conjunctiva along with an adjacent conjunctival granuloma. The area of the marginal keratitis corresponded to the area of the foreign body and the conjunctival granuloma. The probable mechanism of the development of marginal keratitis and the conjunctiva granuloma is speculated in this case report.

  16. Morphology and neurophysiology of tarsal vibration receptors in the water strider Aquarius paludum (Heteroptera: Gerridae).

    Science.gov (United States)

    Perez Goodwyn, Pablo; Katsumata-Wada, Ayako; Okada, Koutaroh

    2009-09-01

    Substrate vibratory information receptors are extensively studied in insects and spiders, however for water surface dwelling species little data is available. We studied the vibration receptive organs in tarsi of the water strider Aquarius paludum, using light, transmission and scanning electron microscopes, and recorded the neural activity of the organs in response to vibrational stimuli, which were afterwards analysed with a custom made spike sorting program. We found that the tarsal chordotonal organ has one set of three scoloparia: one in the tarsomere I and two in the tarsomere II, all of which consisted of a few scolopidia. The chordotonal organ clearly responded to vibratory stimulation. Furthermore, we found that a pair of large subapical emergent dorsal setae, which had been deemed mechanosensory by previous authors, are not so. In turn, four ventral subapical trichobothria that are in direct contact with the water surface during locomotion, proved to be mechanosensory. The anatomical and ultrastructural observations support these electro-physiological results.

  17. Diagnostic imaging of the equine tarsal region using radiography and ultrasonography. Part 1: the soft tissues.

    Science.gov (United States)

    Vanderperren, Katrien; Raes, Els; Hoegaerts, Michel; Saunders, Jimmy H

    2009-02-01

    The equine tarsus is the most commonly affected hindlimb region associated with lameness. Diagnostic imaging is routinely applied but because of its complexity, being composed of 10 multifaceted bones and different joints, multiple ligaments, tendons and bursae, imaging this region can be a challenge. This is the first part of a two-part review of the structures and disorders of the equine tarsus. It describes the principal disorders affecting the soft tissues of the tarsal region and addresses some of the technical aspects in taking radiographic, ultrasonographic and scintigraphic images of the different soft tissue lesions. Where applicable, comments on the diagnostic use of contrast radiography, arthroscopy and tenoscopy are made. In current clinical practice a combination of radiography and ultrasonography is still most frequently used to arrive at a diagnosis.

  18. Case report 401: Idiopathic carpal/tarsal osteolysis (ICTO) associated with nephropathy

    International Nuclear Information System (INIS)

    Vichi, G.F.; Falcini, F.; Pierattelli, M.; Jenuso, R.; Ceruso, M.; Florence Univ.

    1986-01-01

    The authors have described a case of carpal and tarsal idiopathic osteolysis (CTIO) linked with renal disease in a six year old child. Radiological studies demonstrated progressively osteolysis of the bones of both wrists and to a much lesser extent the bones of each tarsus. Biopsy showed the presence of chronic, disseminated disease of the kidney. A biopsy from carpal bones was normal. A review of the clinical aspects of the cases described in the literature is appended and a discussion of the differential diagnostic radiological and pathological features is contained in this report. A tabular summary of 14 cases of ICTO (including the present case) is included and a new classification of osteolysis is appended. (orig.)

  19. The Impact of Tarsal Tunnel Syndrome on Cold Sensation in the Pedal Extremities.

    Science.gov (United States)

    Kokubo, Rinko; Kim, Kyongsong; Isu, Toyohiko; Morimoto, Daijiro; Iwamoto, Naotaka; Kobayashi, Shiro; Morita, Akio

    2016-08-01

    Tarsal tunnel syndrome (TTS) is an entrapment neuropathy of the posterior tibial nerve in the tarsal tunnel. It is not known whether vascular or neuropathic factors are implicated in the cause of a cold sensation experienced by patients. Therefore, we studied the cold sensation in the pedal extremities of patients who did or did not undergo TTS surgery. Our study population comprised 20 patients with TTS (38 feet); 1 foot was affected in 2 patients and both feet in 18 patients. We acquired the toe-brachial pressure index to evaluate perfusion of the sole and toe perfusion under 4 conditions: the at-rest position (condition 1); the at-rest position with compression of the foot dorsal artery (condition 2); the Kinoshita foot position (condition 3); and the Kinoshita foot position with foot dorsal artery compression (condition 4). Patients who reported abatement in the cold sensation during surgery underwent intraoperative reocclusion of the tibial artery to check for the return of the cold sensation. The toe-brachial pressure index for conditions 1 and 3 averaged 0.82 ± 0.09 and 0.81 ± 0.11, respectively; for conditions 2 and 4, it averaged 0.70 ± 0.11 and 0.71 ± 0.09, respectively. Among the 16 operated patients, the cold sensation in 7 feet improved intraoperatively; transient reocclusion of the tibial artery did not result in the reappearance of the cold sensation. Our findings suggest that the cold sensation in the feet of our patients with TTS was associated with neuropathic rather than vascular factors. Copyright © 2016 Elsevier Inc. All rights reserved.

  20. Central tarsal bone fractures in horses not used for racing: Computed tomographic configuration and long-term outcome of lag screw fixation

    OpenAIRE

    Gunst, S; Del Chicca, Francesca; Fürst, Anton; Kuemmerle, Jan M

    2016-01-01

    REASONS FOR PERFORMING STUDY: There are no reports on the configuration of equine central tarsal bone fractures based on cross-sectional imaging and clinical and radiographic long-term outcome after internal fixation. OBJECTIVES: To report clinical, radiographic and computed tomographic findings of equine central tarsal bone fractures and to evaluate the long-term outcome of internal fixation. STUDY DESIGN: Retrospective case series. METHODS: All horses diagnosed with a central tarsa...

  1. Slab fractures of the third tarsal bone: Minimally invasive repair using a single 3.5 mm cortex screw placed in lag fashion in 17 Thoroughbred racehorses.

    Science.gov (United States)

    Barker, W H J; Wright, I M

    2017-03-01

    A technique for minimally invasive repair of slab fractures of the third tarsal bone has not previously been reported. Results of third tarsal bone slab fracture repair in Thoroughbred racehorses are lacking. To report the outcomes of repair of uniplanar frontal slab factures of the third tarsal bone using a single 3.5 mm cortex screw in lag fashion. Retrospective case series. Case records of horses that had undergone this procedure were reviewed. Seventeen horses underwent surgery. Eighteen percent of cases had wedge shaped third tarsal bones. A point midway between the long and lateral digital extensor tendons and centrodistal and tarsometatarsal joints created a suitable entry site for implants. The fracture location, configuration and curvature of the third tarsal bone and associated joints requires a dorsolateral proximal-plantaromedial distal trajectory for the screw, which was determined by preplaced needles. There were no complications and fractures healed in all cases at 4-6 months post surgery. Seventy-nine percent of horses returned to racing and, at the time of reporting, 3 are in post operative rehabilitation programmes. The technique reported provides a safe, appropriate and repeatable means of repairing slab fractures of the third tarsal bone. Surgical repair is a viable alternative to conservative management. © 2016 EVJ Ltd.

  2. The Advanced Locking Plate System (ALPS): a retrospective evaluation in 71 small animal patients.

    Science.gov (United States)

    Guerrero, Tomás G; Kalchofner, Karin; Scherrer, Nicole; Kircher, Patrick

    2014-02-01

    To evaluate use of the Advanced Locking Plate System (ALPS) in dogs and cats and report outcome. Retrospective case series. Dogs (n = 29) and cats (n = 42). The medical records (April 2007-April 2010) of dogs and cats treated with ALPS were reviewed evaluated. Data retrieved included signalment, indication for surgery, complications, and outcome. ALPS was used for 54 fractures, 12 tarsal or carpal ligament injuries and in 6 cases, to prevent or treat fractures during total hip replacement. Complications needing revision surgery occurred in 4 cases (5.5%): fixation failure was identified in 3 (2 fracture-fixations, 1 pancarpal arthrodesis), and a fracture occurred through a screw hole. The most common complication after tarsal arthrodesis was suture dehiscence. All cases had healed by study end. ALPS offers a reliable alternative for fracture treatment and some other orthopedic conditions in small animals. © Copyright 2014 by The American College of Veterinary Surgeons.

  3. 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...

  4. 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

  5. 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.

  6. Tarsal morphology of the pleuraspidotheriid mammal Hilalia from the middle Eocene of Turkey

    Directory of Open Access Journals (Sweden)

    Gregoire Metais

    2017-03-01

    Full Text Available Pleuraspidotheriids are a group of primitive ungulate mammals that, until recently, were thought to be restricted to the late Paleocene of Western Europe. It has been hypothesized that this family actually survived in Central Anatolia until at least the middle Eocene. However, these anachronistically young Anatolian “survivors”, including the genus Hilalia, were previously documented mainly by dental remains. Here, we describe the previously unknown astragalus of Hilalia saribeya, which confirms the pleuraspidotheriid affinities of the genus, and supports phylogenetic reconstructions that place Hilalia as the sister group of Pleuraspidotherium. The morphology of the astragalus suggests sub-cursorial plantigrade locomotion for H. saribeya, although its tarsal morphology remains generalized enough that scansorial capabilities cannot be ruled out. The evolution of Hilalia is addressed in the context of the apparent geographic isolation of Central Anatolia during the Eocene. The endemic character of the mammalian fauna of Central Anatolia during the middle Eocene emphasizes how the complex paleogeography of the northern margin of Neotethys impacted local biotas in a region situated at the crossroads of very distinctive biogeographic zones.

  7. Decaleside: a new class of natural insecticide targeting tarsal gustatory sites

    Science.gov (United States)

    Rajashekar, Yallappa; Rao, Lingamallu J. M.; Shivanandappa, Thimmappa

    2012-10-01

    Natural sources for novel insecticide molecules hold promise in view of their eco-friendly nature, selectivity, and mammalian safety. Recent progress in understanding the biology of insect olfaction and taste offers new strategies for developing selective pest control agents. We have isolated two natural insecticidal molecules from edible roots of Decalepis hamiltonii named Decalesides I and II, which are novel trisaccharides, highly toxic to household insect pests and stored-product insects. We have experimentally shown that insecticidal activity requires contact with tarsi on the legs but is not toxic orally. The insecticidal activity of molecules is lost by hydrolysis, and various sugars modify toxic response, showing that the insecticidal activity is via gustatory sites on the tarsi. Selective toxicity to insects by virtue of their gustatory site of action and the mammalian safety of the new insecticides is inherent in their chemical structure with 1-4 or 1-1 α linkage that is easily hydrolyzed by digestive enzymes of mammals. Decalesides represent a new chemical class of natural insecticides with a unique mode of action targeting tarsal chemosensory/gustatory system of insects.

  8. Tarsal platform show after upper eyelid blepharoplasty with or without brassiere sutures

    Directory of Open Access Journals (Sweden)

    Marisa Novaes de Figueiredo

    Full Text Available ABSTRACT Purpose: Increased tarsal platform show (TPS and decreased brow fat span (BFS are associated with favorable results in women undergoing cosmetic blepharoplasty. We conducted a study to evaluate the efficacy of upper blepharoplasty with or without a technique (brassiere sutures to increase TPS and decrease BFS. Methods: This is a prospective, randomized, comparative, case series study of 100 eyelids (50 consecutive women patients treated with cosmetic upper blepharoplasty performed by a single surgeon. Patients were randomized to receive traditional upper blepharoplasty with a single running suture skin closure versus orbicularis oculi muscle fixation to the periosteum (brassiere sutures prior to skin closure. Data on patient age, duration of follow-up, complications, and treatment were analyzed. The mean TPS, mean BFS, and mean TPS/BFS ratio were measured at three anatomic landmarks before and after surgery. Results: Fifty-six eyelids (28 patients were treated with traditional single suture blepharoplasty, and 44 eyelids (22 patients had brassiere sutures. In both groups, paired t-tests indicate significant differences between preoperative and postoperative evaluations (p0.05. Conclusions: Brassiere sutures during upper blepharoplasty and traditional blepharoplasty were associated with postoperative increase in TPS, decrease in BFS, and increase in TPS/BFS, without statistically significant differences between these surgeries.

  9. Tarsal navicular relations in club foot: is there a role for magnetic resonance imaging?

    International Nuclear Information System (INIS)

    O'Connor, P.J.; Bos, C.F.A.; Bloem, J.L.

    1998-01-01

    Objective. To correlate radiographic and MR appearances with surgical findings to determine the accuracy of these modalities in demonstrating tarsal navicular (TN) relations in order to select the appropriate surgical intervention. Design and patients. Fourteen consecutive patients with 19 club feet had anteroposterior and lateral radiographs and magnetic resonance (MR) imaging performed. Blinded retrospective interpretation of these studies was correlated with surgical findings. Movement artifact was responsible for initial non-diagnostic MR scans in 3 out of 19 feet. Results. Plain radiographs and MR imaging had sensitivities of 79% and 84% respectively for TN subluxation, while both modalities had 100% positive predictive value for TN subluxation. Each modality produced indeterminate results in cases where subluxation was present at surgery, but in combination there were no false negatives. Conclusion. Radiography confidently predicted the TN alignment in the majority of cases. MR demonstrated TN relationships in all cases where radiography was indeterminate. It is proposed that MR has a potential role to demonstrate TN relationships when radiography is indeterminate or when there is disparity between the clinical and radiographic assessment. (orig.)

  10. Tarsal navicular relations in club foot: is there a role for magnetic resonance imaging?

    Energy Technology Data Exchange (ETDEWEB)

    O`Connor, P.J. [Department of Radiology, CT/MRl Unit, The General Infirmary at Leeds (United Kingdom)]|[Department of Clinical Radiology, Leiden University Hospital, Albinusdreef 2, 2333 AA Leiden (Netherlands); Bos, C.F.A. [Department of Orthopedic Surgery, Leiden University Hospital, Albinusdreef 2, 2333 AA Leiden (Netherlands); Bloem, J.L. [Department of Clinical Radiology, Leiden University Hospital, Albinusdreef 2, 2333 AA Leiden (Netherlands)

    1998-08-01

    Objective. To correlate radiographic and MR appearances with surgical findings to determine the accuracy of these modalities in demonstrating tarsal navicular (TN) relations in order to select the appropriate surgical intervention. Design and patients. Fourteen consecutive patients with 19 club feet had anteroposterior and lateral radiographs and magnetic resonance (MR) imaging performed. Blinded retrospective interpretation of these studies was correlated with surgical findings. Movement artifact was responsible for initial non-diagnostic MR scans in 3 out of 19 feet. Results. Plain radiographs and MR imaging had sensitivities of 79% and 84% respectively for TN subluxation, while both modalities had 100% positive predictive value for TN subluxation. Each modality produced indeterminate results in cases where subluxation was present at surgery, but in combination there were no false negatives. Conclusion. Radiography confidently predicted the TN alignment in the majority of cases. MR demonstrated TN relationships in all cases where radiography was indeterminate. It is proposed that MR has a potential role to demonstrate TN relationships when radiography is indeterminate or when there is disparity between the clinical and radiographic assessment. (orig.) With 5 figs., 12 refs.

  11. Central tarsal bone fractures in horses not used for racing: Computed tomographic configuration and long-term outcome of lag screw fixation.

    Science.gov (United States)

    Gunst, S; Del Chicca, F; Fürst, A E; Kuemmerle, J M

    2016-09-01

    There are no reports on the configuration of equine central tarsal bone fractures based on cross-sectional imaging and clinical and radiographic long-term outcome after internal fixation. To report clinical, radiographic and computed tomographic findings of equine central tarsal bone fractures and to evaluate the long-term outcome of internal fixation. Retrospective case series. All horses diagnosed with a central tarsal bone fracture at our institution in 2009-2013 were included. Computed tomography and internal fixation using lag screw technique was performed in all patients. Medical records and diagnostic images were reviewed retrospectively. A clinical and radiographic follow-up examination was performed at least 1 year post operatively. A central tarsal bone fracture was diagnosed in 6 horses. Five were Warmbloods used for showjumping and one was a Quarter Horse used for reining. All horses had sagittal slab fractures that began dorsally, ran in a plantar or plantaromedial direction and exited the plantar cortex at the plantar or plantaromedial indentation of the central tarsal bone. Marked sclerosis of the central tarsal bone was diagnosed in all patients. At long-term follow-up, 5/6 horses were sound and used as intended although mild osteophyte formation at the distal intertarsal joint was commonly observed. Central tarsal bone fractures in nonracehorses had a distinct configuration but radiographically subtle additional fracture lines can occur. A chronic stress related aetiology seems likely. Internal fixation of these fractures based on an accurate diagnosis of the individual fracture configuration resulted in a very good prognosis. © 2015 EVJ Ltd.

  12. Cold plate

    Energy Technology Data Exchange (ETDEWEB)

    Marroquin, Christopher M.; O' Connell, Kevin M.; Schultz, Mark D.; Tian, Shurong

    2018-02-13

    A cold plate, an electronic assembly including a cold plate, and a method for forming a cold plate are provided. The cold plate includes an interface plate and an opposing plate that form a plenum. The cold plate includes a plurality of active areas arranged for alignment over respective heat generating portions of an electronic assembly, and non-active areas between the active areas. A cooling fluid flows through the plenum. The plenum, at the non-active areas, has a reduced width and/or reduced height relative to the plenum at the active areas. The reduced width and/or height of the plenum, and exterior dimensions of cold plate, at the non-active areas allow the non-active areas to flex to accommodate surface variations of the electronics assembly. The reduced width and/or height non-active areas can be specifically shaped to fit between physical features of the electronics assembly.

  13. Plating laboratory

    International Nuclear Information System (INIS)

    Seamster, A.G.; Weitkamp, W.G.

    1984-01-01

    The lead plating of the prototype resonator has been conducted entirely in the plating laboratory at SUNY Stony Brook. Because of the considerable cost and inconvenience in transporting personnel and materials to and from Stony Brook, it is clearly impractical to plate all the resonators there. Furthermore, the high-beta resonator cannot be accommodated at Stony Brook without modifying the set up there. Consequently the authors are constructing a plating lab in-house

  14. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  15. Three-dimensional analysis of tarsal bone response to axial loading in patients with hallux valgus and normal feet.

    Science.gov (United States)

    Watanabe, Kota; Ikeda, Yasutoshi; Suzuki, Daisuke; Teramoto, Atsushi; Kobayashi, Takuma; Suzuki, Tomoyuki; Yamashita, Toshihiko

    2017-02-01

    Patients with hallux valgus present a variety of symptoms that may be related to the type of deformity. Weightbearing affects the deformities, and the evaluation of the load response of tarsal bones has been mainly performed using two-dimensional plane radiography. The purpose of this study was to investigate and compare structural changes in the medial foot arch between patients with hallux valgus and normal controls using a computer image analysis technique and weightbearing computed tomography data. Eleven patients with hallux valgus and eleven normal controls were included. Computed tomograms were obtained with and without simulated weightbearing using a compression device. Computed tomography data were transferred into a personal computer, and a three-dimensional bone model was created using image analysis software. The load responses of each tarsal bone in the medial foot arch were measured three-dimensionally and statistically compared between the two groups. Displacement of each tarsal bone under two weightbearing conditions was visually observed by creating three-dimensional bone models. At the first metatarsophalangeal joint, the proximal phalanges of the hallux valgus group showed significantly different displacements in multiple directions. Moreover, opposite responses to axial loading were also observed in both translation and rotation between the two groups. Weightbearing caused deterioration of the hallux valgus deformity three-dimensionally at the first metatarsophalangeal joint. Information from the computer image analysis was useful for understanding details of the pathology of foot disorders related to the deformities or instability and may contribute to the development of effective conservative and surgical treatments. Copyright © 2017 Elsevier Ltd. All rights reserved.

  16. Value of computed tomography arthrography with delayed acquisitions in the work-up of ganglion cysts of the tarsal tunnel: report of three cases

    International Nuclear Information System (INIS)

    Omoumi, Patrick; Gheldere, Antoine de; Leemrijse, Thibaut; Galant, Christine; Van den Bergh, Peter; Malghem, Jacques; Simoni, Paolo; Berg, Bruno C.V.; Lecouvet, Frederic E.

    2010-01-01

    Ganglion cysts are a common cause of tarsal tunnel syndrome. As in other locations, these cysts are believed to communicate with neighboring joints. The positive diagnosis and preoperative work-up of these cysts require identification and location of the cyst pedicles so that they may be excised and the risk of recurrence decreased. This can be challenging with ultrasonography and magnetic resonance (MR) imaging. We present three cases of symptomatic ganglion cysts of the tarsal tunnel, diagnosed by MR imaging, where computed tomography (CT) arthrography with delayed acquisitions helped to confirm the diagnosis and identify precisely the topography of the communication with the subtalar joint. These cases provide new evidence of the articular origin of ganglion cysts developing in the tarsal tunnel. (orig.)

  17. Liberación del túnel tarsal como manejo de la neuropatía diabética

    OpenAIRE

    Jiménez Pereira, Eliécer; Navarro Coto, José Francisco; Estrada Zeledón, Javier

    2011-01-01

    En este artículo, se describe como la compresión del nervio tibial posterior, a su paso por el túnel tarsal, puede constituir un ?segundo atrapamiento? en pacientes con neuropatía diabética (el edema endoneural secundario al aumento de sorbitol en el nervio periférico inducido por la diabetes es el ?primer atrapamiento?), exacerbando la patología asociada al pie diabético. Estos pacientes presentan el signo de Tinel al percutir el nervio tibial posterior a nivel del túnel tarsal. Según la lit...

  18. 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.

  19. 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...

  20. Tarsal taste neuron activity and proboscis extension reflex in response to sugars and amino acids in Helicoverpa armigera (Hubner).

    Science.gov (United States)

    Zhang, Yun-Feng; van Loon, Joop J A; Wang, Chen-Zhu

    2010-08-15

    In adult female Helicoverpa armigera (Hübner), the fifth tarsomere of the prothoracic legs bears 14 gustatory trichoid chemosensilla. These chemosensilla were characterized through electrophysiological experiments by stimulating with sucrose, glucose, fructose, maltose, myo-inositol and 20 common amino acids. In electrophysiological recordings from nine sensilla, responses were obtained to certain compounds tested at 100 mmol l(-1), and the response spectra differed from broad to narrow. The four sugars excited the same receptor neuron in sensillum a and sensillum b; sucrose and myo-inositol, sucrose and lysine, myo-inositol and lysine excited two different receptor neurons respectively in sensillum a; fructose and lysine excited two different receptor neurons in sensillum n. Furthermore, the four sugars, myo-inositol and lysine all elicited concentration-dependent electrophysiological responses. These six compounds also induced the proboscis extension reflex (PER) followed by ingestion of the solution when they were applied on the tarsi. Lysine and sucrose caused the strongest electrophysiological responses. However, sucrose had the strongest stimulatory effect on the PER whereas lysine had the weakest. Mixtures of sucrose with the other sugars or with lysine had a similar stimulatory effect on the PER as sucrose alone. The electrophysiological and behavioural responses caused by a range of sucrose concentrations were positively correlated. We conclude that the tarsal gustatory sensilla play an essential role in perceiving sugars available in floral nectar and provide chemosensory information determining feeding behaviour. Tarsal taste-receptor-neuron responses to lysine are implicated in oviposition behaviour.

  1. 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 ...

  2. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

  3. The zinc finger homeodomain-2 gene of Drosophila controls Notch targets and regulates apoptosis in the tarsal segments.

    Science.gov (United States)

    Guarner, Ana; Manjón, Cristina; Edwards, Kevin; Steller, Hermann; Suzanne, Magali; Sánchez-Herrero, Ernesto

    2014-01-15

    The development of the Drosophila leg is a good model to study processes of pattern formation, cell death and segmentation. Such processes require the coordinate activity of different genes and signaling pathways that progressively subdivide the leg territory into smaller domains. One of the main pathways needed for leg development is the Notch pathway, required for determining the proximo-distal axis of the leg and for the formation of the joints that separate different leg segments. The mechanisms required to coordinate such events are largely unknown. We describe here that the zinc finger homeodomain-2 (zfh-2) gene is highly expressed in cells that will form the leg joints and needed to establish a correct size and pattern in the distal leg. There is an early requirement of zfh-2 to establish the correct proximo-distal axis, but zfh-2 is also needed at late third instar to form the joint between the fourth and fifth tarsal segments. The expression of zfh-2 requires Notch activity but zfh-2 is necessary, in turn, to activate Notch targets such as Enhancer of split and big brain. zfh-2 is controlled by the Drosophila activator protein 2 gene and regulates the late expression of tarsal-less. In the absence of zfh-2 many cells ectopically express the pro-apoptotic gene head involution defective, activate caspase-3 and are positive for acridine orange, indicating they undergo apoptosis. Our results demonstrate the key role of zfh-2 in the control of cell death and Notch signaling during leg development. © 2013 Published by Elsevier Inc.

  4. 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.

  5. 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.

  6. 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…

  7. The bHLH-PAS Transcription Factor Dysfusion Regulates Tarsal Joint Formation in Response to Notch Activity during Drosophila Leg Development

    Science.gov (United States)

    Córdoba, Sergio; Estella, Carlos

    2014-01-01

    A characteristic of all arthropods is the presence of flexible structures called joints that connect all leg segments. Drosophila legs include two types of joints: the proximal or “true” joints that are motile due to the presence of muscle attachment and the distal joints that lack musculature. These joints are not only morphologically, functionally and evolutionarily different, but also the morphogenetic program that forms them is distinct. Development of both proximal and distal joints requires Notch activity; however, it is still unknown how this pathway can control the development of such homologous although distinct structures. Here we show that the bHLH-PAS transcription factor encoded by the gene dysfusion (dys), is expressed and absolutely required for tarsal joint development while it is dispensable for proximal joints. In the presumptive tarsal joints, Dys regulates the expression of the pro-apoptotic genes reaper and head involution defective and the expression of the RhoGTPases modulators, RhoGEf2 and RhoGap71E, thus directing key morphogenetic events required for tarsal joint development. When ectopically expressed, dys is able to induce some aspects of the morphogenetic program necessary for distal joint development such as fold formation and programmed cell death. This novel Dys function depends on its obligated partner Tango to activate the transcription of target genes. We also identified a dedicated dys cis-regulatory module that regulates dys expression in the tarsal presumptive leg joints through direct Su(H) binding. All these data place dys as a key player downstream of Notch, directing distal versus proximal joint morphogenesis. PMID:25329825

  8. 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...

  9. Excision of nodular basal cell carcinoma involving the lower eyelid tarsal skin using a grey line-splitting, posterior lamella-sparing technique.

    Science.gov (United States)

    Qin, Vincent; Paridaens, Dion

    2018-02-20

    To describe a posterior lamella-sparing technique to resect nodular basal cell carcinoma involving the inferior part of the tarsal skin of the lower eyelid. Excision of nodular basal cell carcinoma of the tarsal skin using a grey-line-splitting technique with preservation of the posterior lamella. Specimen was sent for frozen section control. Additional excision was performed in caseof irradicality. The defect was closed with a free skin graft from the ipsi- or contralateral upper eyelid. We show a case series of three patients with lower eyelid basal cell carcinoma and investigated radicality on histology, aesthetic outcome and clinical recurrence during a follow-up of 18 months. Pre, intra, and postoperative photographs were obtained. In all cases radicality was reached. In all patients, the skin graft was viable, with no recurrence after 18 months. Excellent aesthetic results were obtained. Anterior lamellar resection of nodular basal cell carcinomas involving the tarsal lower eyelid skin using a grey line lid-splitting technique is a simple and one-step technique with good clinical outcome. It may avoid the morbidity associated with full thickness eyelid resection and might be useful for other, nonmalignant eyelid lesions.

  10. 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

  11. Short- and long-term racing performance of Standardbred pacers and trotters after early surgical intervention for tarsal osteochondrosis

    Science.gov (United States)

    McCoy, A. M.; Ralston, S. L.; McCue, M. E.

    2014-01-01

    Summary Reasons for Performing Study Osteochondrosis (OC) is commonly diagnosed in young Standardbred racehorses, but its effect on performance when surgically treated at a young age is still incompletely understood. This is especially true for Standardbred pacers, which are underrepresented in the existing literature. Objective To characterise the short- (2-year-old) and long-term (through 5-year-old) racing performance in Standardbred pacers and trotters after early surgical intervention (fastest time. Comparisons between OC-affected and unaffected horses were made for the entire population and within gaits. A smaller related population (n = 94) had these performance measures evaluated for their 2- through 5-year-old racing seasons. Results Osteochondrosis status was associated with few performance measures. Trotters were at higher risk for lesions of the medial malleolus, but lower risk for lesions of the distal intermediate ridge of the tibia compared to pacers. Horses with bilateral OC lesions and lateral trochlear ridge (LTR) lesions started fewer races at 2 years of age than those with unilateral lesions or without LTR lesions. Conclusions Osteochondrosis seemed to have minimal effect on racing performance in this cohort, although horses with bilateral and LTR lesions started fewer races at 2 years. There was evidence for different distribution of OC lesions among pacers and trotters, which should be explored further. Standardbreds undergoing early removal of tarsal OC lesions can be expected to perform equivalently to their unaffected counterparts. PMID:24819047

  12. Tarsal morphology and attachment ability of the codling moth Cydia pomonella L. (Lepidoptera, Tortricidae) to smooth surfaces.

    Science.gov (United States)

    Al Bitar, Loris; Voigt, Dagmar; Zebitz, Claus P W; Gorb, Stanislav N

    2009-11-01

    Despite several studies on the attachment ability of different insect taxa, little is known about this phenomenon in adult Lepidoptera. In this study we combined morphological and experimental analyses of tarsal adhesive devices and the attachment ability of the codling moth Cydia pomonella (L.) (Lepidoptera, Tortricidae) to smooth surfaces. Pretarsi of C. pomonella attach to smooth substrates by means of their smooth, flexible and well developed arolia. Using the centrifugal force measurement technique, friction forces of males and females were assessed on hydrophobic and hydrophilic glass surfaces. Adults of both sexes generated similar forces in spite of the noticeable difference in their body masses. That is why males showed significantly higher safety factors (attachment force divided by body weight) compared to those of females. Hydrophobicity of the substrate had no considerable effect on friction forces. For females, friction forces (sliding parallel to the substrate plane) were compared with adhesive forces (pulling off perpendicularly from the substrate plane) measured on Plexiglas surfaces. It can be concluded that the attachment system of C. pomonella is rather robust against physico-chemical properties of the substrate and is able to achieve a very good attachment on vertical and horizontal substrata.

  13. Reversible regulation of cell cycle-related genes by epigallocatechin gallate for hibernation of neonatal human tarsal fibroblasts.

    Science.gov (United States)

    Bae, Jung Yoon; Kanamune, Jun; Han, Dong-Wook; Matsumura, Kazuaki; Hyon, Suong-Hyu

    2009-01-01

    We investigated the hibernation effect of epigallocatechin-3-O-gallate (EGCG) on neonatal human tarsal fibroblasts (nHTFs) by analyzing the expression of cell cycle-related genes. EGCG application to culture media moderately inhibited the growth of nHTFs, and the removal of EGCG from culture media led to complete recovery of cell growth. EGCG resulted in a slight decrease in the cell population of the S and G(2)/M phases of cell cycle with concomitant increase in that of the G(0)/G(1) phase, but this cell cycle profile was restored to the initial level after EGCG removal. The expression of cyclin D1 (CCND1), CCNE2, CCN-dependent kinase 6 (CDK6), and CDK2 was restored, whereas that of CCNA, CCNB1, and CDK1 was irreversibly attenuated. The expression of a substantial number of genes analyzed by cDNA microarray was affected by EGCG application, and these affected expression levels were restored to the normal levels after EGCG removal. We also found the incorporation of FITC-EGCG into the cytosol of nHTFs and its further nuclear translocation, which might lead to the regulation of the exogenous signals directed to genes for cellular responses including proliferation and cell cycle progression. These results suggest that EGCG temporarily affects not only genes related to the cell cycle but also various other cellular functions.

  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. 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.

  16. 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.

  17. 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.

  18. 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

  19. 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 ...

  20. 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

  1. 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.

  2. 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...

  3. 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...

  4. Create Your Plate

    Medline Plus

    Full Text Available ... Pacific Islanders American Indian/Alaska Native Programs Older Adults Family Link Diabetes EXPO Upcoming Diabetes EXPOs EXPO ... Plate! Click on the plate sections below to add your food choices. Reset Plate Share Create Your ...

  5. 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

  6. 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.

  7. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

    Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

  8. 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...

  9. 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...

  10. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  11. 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 ...

  12. 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...

  13. 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 ...

  14. 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...

  15. 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.

  16. 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.

  17. 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

  18. 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

  19. 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

  20. Fast risetime one megajoule capacitor bank

    International Nuclear Information System (INIS)

    Markins, D.; Baker, W.L.; Reinovsky, R.E.; Clark, J.G.

    1976-01-01

    A 100 kV, 1.1 MJ capacitor bank for plasma research experiments has been constructed for the Air Force Weapons Laboratory. The system consists of twenty, individual, low inductance capacitor modules, each utilizing a four element switch package approximately 2 meters wide. Each module contains twenty-four ''scyllac'' type 1.85 μF capacitors. A 100 kV output pulse is obtained by charging the top half of each module to +50 kV and the bottom half to -50 kV. A pressurized, low inductance multichannel switch package incorporating four separately triggered elements is designed to fit into the parallel plate transmission line system of the capacitor module. The bank is configured in a cross shape with twenty modules spaced uniformly around the perimeter of a parallel plate transmission line. The transmission line is constructed with 32 mil aluminum and insulated with 60 mils of mylar. The bank is designed to feed an easily replaceable central coaxial load. The entire system has been repeatedly fired at 100 kV with a dummy resistive load and has delivered 2.2 x 10 7 amperes of current with a risetime of 1.1 μsec. The total measured system inductance is 2.2 nH. This system represents a significant advance in the development of reliable, fast, high current capacitor banks

  1. Tarsal Tunnel Syndrome

    Science.gov (United States)

    ... and maintains the structures contained within the tunnel—arteries, veins, tendons and nerves. One of these structures ... Terms and Conditions | Site Map 8725 West Higgins Road, Suite 555, Chicago, IL 60631-2724 Phone: (773) ...

  2. 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

  3. 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.

  4. 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.

  5. Differential diagnosis of carpal and tarsal ankylosis on dry bones: Example from the catacomb of Saints Peter and Marcellinus (Rome, 1st-3rd century AD).

    Science.gov (United States)

    Kacki, S; Castex, D; Blanchard, P; Bessou, M; Giuliani, R; Dutour, O

    2013-12-01

    Bone ankylosis is a pathological feature that may occur in many chronic diseases involving joints. In paleopathology, it is therefore challenging to attribute such a change to a specific condition. Here, we illustrate the differential diagnosis by discussing the lesions observed on an incomplete skeleton from the Roman period, recovered from the catacomb of Saints Peter and Marcellinus (Rome, Italy). The skeleton exhibits several bone changes, including ankylosis on both feet and the left hand. The right tarsal fusion is accompanied by soft tissue ossifications involving the plantar aponeurosis and the tendinous structures connecting the great toe's proximal phalanx and sesamoid bones. The lesions recorded suggest that a spondyloarthropathy is the most likely cause of these extensive fusions. Copyright © 2013 Elsevier Inc. All rights reserved.

  6. Reconstruction of the Midfoot Using a Free Vascularized Fibular Graft After En Bloc Excision for Giant Cell Tumor of the Tarsal Bones: A Case Report.

    Science.gov (United States)

    Hara, Hitomi; Kawamoto, Teruya; Onishi, Yasuo; Fujioka, Hiroyuki; Nishida, Kotaro; Kuroda, Ryosuke; Kurosaka, Masahiro; Akisue, Toshihiro

    2016-01-01

    We report the case of a 32-year-old Japanese female with a giant cell tumor of bone involving multiple midfoot bones. Giant cell tumors of bone account for approximately 5% of all primary bone tumors and most often arise at the ends of long bones. The small bones, such as those of the hands and feet, are rare sites for giant cell tumors. Giant cell tumors of the small bones tend to exhibit more aggressive clinical behavior than those of the long bones. The present patient underwent en bloc tumor excision involving multiple tarsals and metatarsals. We reconstructed the longitudinal arch of the foot with a free vascularized fibular graft. At the 2-year follow-up visit, bony union had been achieved, with no tumor recurrence. Copyright © 2016 American College of Foot and Ankle Surgeons. Published by Elsevier Inc. All rights reserved.

  7. 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...

  8. Create Your Plate

    Medline Plus

    Full Text Available ... Student Resources History of Diabetes Resources for School Projects How to Reference Our Site Diabetes Basics Myths ... Your Plate It's simple and effective for both managing diabetes and losing weight. Creating your plate lets ...

  9. Create Your Plate

    Medline Plus

    Full Text Available ... Planning Meals Diabetes Meal Plans Create Your Plate Gluten Free Diets Meal Planning for Vegetarian Diets Cook ... Create Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook with Heart- ...

  10. Create Your Plate

    Medline Plus

    Full Text Available ... Your Plate Gluten Free Diets Meal Planning for Vegetarian Diets Cook with Heart-Healthy Foods Holiday Meal ... Healthy Diet Create Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook ...

  11. Create Your Plate

    Medline Plus

    Full Text Available ... Your Plate It's simple and effective for both managing diabetes and losing weight. Creating your plate lets you still choose the foods you want, but changes the portion sizes so you are getting larger ...

  12. Williamson Polishing & Plating Site

    Science.gov (United States)

    Williamson Polishing & Plating Co. Inc. was a plating shop located in the Martindale-Brightwood neighborhood of Indianapolis. The facility conducted job shop polishing and electroplating services. The vacant site contains a 14,651-square-foot building.

  13. 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.)

  14. 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.

  15. Vibration of plates

    CERN Document Server

    Chakraverty, Snehashish

    2008-01-01

    Plates are integral parts of most engineering structures and their vibration analysis is required for safe design. This work provides a comprehensive introduction to vibration theory and analysis of two-dimensional plates. It offers information on vibration problems along with a discussion of various plate geometries and boundary conditions.

  16. 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...

  17. 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...

  18. 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...

  19. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  20. 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...

  1. 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,...

  2. 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.

  3. 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,

  4. 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 ...

  5. 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

  6. 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…

  7. 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

  8. 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

  9. 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

  10. 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

  11. 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

  12. 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

  13. 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

  14. 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.

  15. 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.

  16. 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

  17. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  18. 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...

  19. 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...

  20. 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.

  1. 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.

  2. Transposição da rima palpebral em ptose miogênica mitocondrial Tarsal switch levator for mitochondrial myogenic ptosis

    Directory of Open Access Journals (Sweden)

    Lucia Miriam Dumont Lucci

    2009-04-01

    Full Text Available OBJETIVO: Relatar o uso da ressecção do tarso da pálpebra superior e enxerto na pálpebra inferior para a elevação da rima palpebral e liberação do eixo visual, sem causar complicações corneanas em pacientes portadores de ptose miogênica mitocondrial. MÉTODOS: Estudo prospectivo. A técnica cirúrgica consiste na tarsectomia da pálpebra superior e autoenxerto do tarso na lamela posterior da pálpebra inferior. As cirurgias foram realizadas sob anestesia local. No caso de diplopia, a cirurgia foi realizada em apenas um olho. RESULTADOS: O procedimento foi realizado em 9 olhos de 6 pacientes com miopatia mitocondrial. Cinco pacientes eram do sexo feminino, a média de idade foi de 59,8 anos e o seguimento variou de 30 a 60 meses. A rima palpebral elevou em todos os pacientes, descobrindo o eixo visual na posição primária do olhar e melhorando a posição viciosa de cabeça. Não houve complicações decorrentes da exposição do globo ocular. CONCLUSÃO: A técnica de transposição da rima palpebral é útil na correção do mau posicionamento das pálpebras em pacientes sem mecanismos de proteção porque eleva a pálpebra superior e a inferior, diminuindo ou eliminando o risco de causar lagoftalmo com complicações corneanas.PURPOSE: To report the use of tarsal switch levator resection procedures that lift the palpebral fissure to visual axis without causing corneal complications in patients with mitochondrial myogenic ptosis. METHODS: Prospective study. The technique consists of an upper eyelid tarsectomy, with transfer of the autologous tarsoconjunctival graft to the posterior lamella of the lower eyelid. The surgeries were performed under local anesthesia. In case of diplopia, the surgery was performed in one eye. RESULTS: Tarsal switch procedure was performed in 9 eyes of 6 patients with mitochondrial myopathy. There were 5 women; the average age was 59.8 years and the follow-up ranged from 30 to 60 months. The palpebral

  3. 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 ...

  4. 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...

  5. 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.

  6. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  7. 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.

  8. 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

  9. 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....

  10. 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...

  11. Create Your Plate

    Medline Plus

    Full Text Available ... Monthly In Memory In Honor Become a Member En Español Type 1 Type 2 About Us Online ... Print Page Text Size: A A A Listen En Español Create Your Plate Create Your Plate is ...

  12. Create Your Plate

    Medline Plus

    Full Text Available ... Diabetes Meal Plans Create Your Plate Gluten Free Diets Meal Planning for Vegetarian Diets Cook with Heart-Healthy Foods Holiday Meal Planning ... Planning Meals Diabetes Meal Plans and a Healthy Diet Create Your Plate Meal Planning for Vegetarian Diets ...

  13. Create Your Plate

    Medline Plus

    Full Text Available ... Your Plate Gluten Free Diets Meal Planning for Vegetarian Diets Cook with Heart-Healthy Foods Holiday Meal Planning What Can I Eat? Making ... Forecast® magazine: wcie-meal-planning, . In this ... Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook ...

  14. Create Your Plate

    Medline Plus

    Full Text Available ... In Memory In Honor Become a Member En Español Type 1 Type 2 About Us Online Community ... Page Text Size: A A A Listen En Español Create Your Plate Create Your Plate is a ...

  15. Growth Plate Injuries

    Science.gov (United States)

    ... cause any lasting problems for your child or teen. Growth plates are areas of growing tissues that cause ... are replaced by solid bone. Who gets them? Growth plate injuries happen to children and teens. This injury happens twice as often in boys ...

  16. Create Your Plate

    Medline Plus

    Full Text Available ... Planning Meals Diabetes Meal Plans Create Your Plate Gluten Free Diets Meal Planning for Vegetarian Diets Cook with Heart- ... Create Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook with Heart-Healthy Foods ...

  17. 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.

  18. 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.

  19. Does pulsed low intensity ultrasound allow early return to normal activities when treating stress fractures? A review of one tarsal navicular and eight tibial stress fractures.

    Science.gov (United States)

    Brand, J C; Brindle, T; Nyland, J; Caborn, D N; Johnson, D L

    1999-01-01

    We sought to evaluate the efficacy of daily pulsed low intensity ultrasound (LIUS) with early return to activities for the treatment of lower extremity stress fractures. Eight patients (2 males, 6 females) with radiographic and bone scan confirmed tibial stress fractures participated in this study. Additionally, a case report of a tarsal navicular stress fracture is described. All patients except one were involved in athletics. Prior to the study, subjects completed a 5 question, 10 cm visual analog scale (VAS) regarding pain level (10 = extreme pain, 1 = no pain) and were assessed for functional performance. Subjects received 20-minute LIUS treatments 5 times a week for 4 weeks. Subjects maintained all functional activities during the treatment period. Seven patients with posterior-medial stress fractures participated without a brace. Subjects were re-tested after 4 weeks of treatment. Mann-Whitney U tests (VAS data) and paired t-tests (functional tests) assessed statistical significance (psports was prescribed for the patients with the tibial stress fractures. The patient with the anterior tibial stress fracture underwent tibial intramedullary nailing at the conclusion of a season of play. In this uncontrolled experience, treatment of tibial stress fractures with daily pulsed LIUS was effective in pain relief and early return to vigorous activity without bracing for the patients with posterior-medial stress fractures.

  20. 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...

  1. 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...

  2. 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.

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

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  5. 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.

  6. Lohse's historic plate archive

    Science.gov (United States)

    Tsvetkov, M.; Tsvetkova, K.; Richter, G.; Scholz, G.; Böhm, P.

    The description and the analysis of Oswald Lohse's astrophotographic plates, collected at the Astrophysical Observatory Potsdam in the period 1879 - 1889, are presented. 67 plates of the archive, taken with the greatest instrument of the observatory at that time - the refractor (D = 0.30 m, F = 5.40 m, scale = 38''/mm) and with the second heliographic objective (D = 0.13 m, F = 1.36 m, scale = 152''/mm) - - survived two world wars in relative good condition. The plate emulsions are from different manufacturers in the beginning of astrophotography (Gädicke, Schleussner, Beernaert, etc.). The sizes of the plates are usually 9x12 cm2, which corresponds to fields of 1.2deg and 5deg respectively for each instrument mentioned above. The average limiting magnitude is 13.0(pg). Besides of the plates received for technical experiments (work on photographic processes, testing of new instruments and methods of observations), the scientific observations follow programs for studies of planet surfaces, bright stars, some double stars, stellar clusters and nebulous objects. Lohse's archive is included into the Wide Field Plate Database (http://www.skyarchive.org) as the oldest systematic one, covering the fields of Orion (M42/43), Pleiades, h & chi Persei, M37, M3, M11, M13, M92, M31, etc. With the PDS 2020 GM+ microdensitometer of Münster University 10 archive plates were digitized.

  7. High loading uranium plate

    International Nuclear Information System (INIS)

    Wiencek, T.C.; Domagala, R.F.; Thresh, H.R.

    1990-01-01

    Two embodiments of a high uranium fuel plate are disclosed which contain a meat comprising structured uranium compound confined between a pari of diffusion bonded ductile metal cladding plates uniformly covering the meat, the meat hiving a uniform high fuel loading comprising a content of uranium compound greater than about 45 Vol. % at a porosity not greater than about 10 Vol. %. In a first embodiment, the meat is a plurality of parallel wires of uranium compound. In a second embodiment, the meat is a dispersion compact containing uranium compound. The fuel plates are fabricated by a hot isostatic pressing process

  8. 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.

  9. 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.

  10. Create Your Plate

    Medline Plus

    Full Text Available ... managing diabetes and losing weight. Creating your plate lets you still choose the foods you want, but ... you have an easy portion control solution that works. Last Reviewed: October 8, 2015 Last Edited: September ...

  11. What's On Your Plate?

    Science.gov (United States)

    ... what these nutrients do in your body and what foods they are found in. Plans for Healthy Living ... food choices. Get more nutrition information online with What's On Your Plate? Smart Food Choices for Healthy Aging from the National Institute ...

  12. Create Your Plate

    Medline Plus

    Full Text Available ... Plate is a simple and effective way to manage your blood glucose levels and lose weight. With ... been easier. It can be a challenge to manage portion control wherever you are. Now, our best- ...

  13. Create Your Plate

    Medline Plus

    Full Text Available ... Count Glycemic Index Low-Calorie Sweeteners Sugar and Desserts Fitness Exercise & Type 1 Diabetes Get Started Safely ... blood glucose levels and lose weight. With this method, you fill your plate with more non-starchy ...

  14. Create Your Plate

    Medline Plus

    Full Text Available ... Edited: September 14, 2016 Articles from Diabetes Forecast® magazine: wcie-meal-planning, . In this section Food Planning Meals Diabetes Meal Plans and a Healthy Diet Create Your Plate Meal Planning for Vegetarian Diets Gluten ...

  15. Create Your Plate

    Medline Plus

    Full Text Available ... Children and Type 2 Diabetes Know Your Rights Employment Discrimination Health Care Professionals Law Enforcement Driver's License ... blood glucose levels and lose weight. With this method, you fill your plate with more non-starchy ...

  16. Humvee Armor Plate Drilling

    National Research Council Canada - National Science Library

    2004-01-01

    When drilling holes in hard steel plate used in up-armor kits for Humvee light trucks, the Anniston Army Depot, Anniston, Alabama, requested the assistance of the National Center for Defense Manufacturing and Machining (NCDMM...

  17. Create Your Plate

    Medline Plus

    Full Text Available ... one side, cut it again so you will have three sections on your plate. Fill the largest ... home, the office, or somewhere in between, you have an easy portion control solution that works. Last ...

  18. 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.

  19. 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...

  20. Neutron imaging plates

    International Nuclear Information System (INIS)

    Niimura, Nobuo

    1995-01-01

    Imaging plates have been used in the field of medical diagnosis since long ago, but their usefulness was verified as the two-dimensional detector for analyzing the X-ray crystalline structure of high bio molecules like protein, and they have contributed to the remarkable progress in this field. The great contribution is due to the excellent features, such as the detection efficiency of about 100%, the positional resolution smaller than 0.2 mm, the dynamic range of five digits, and the area of several hundreds mm square. The neutron imaging plates have not yet obtained the sufficient results. It was planned to construct the neutron diffractometer for biological matters, and to put imaging plate neutron detectors (IP-ND) to practical use as the detector. The research on the development of IP-NDs was carried out, and the IPp-NDs having the performance comparable with that for X-ray were able to be produced. Imaging plates are the integral type two-dimensional radiation detector using photostimulated luminescence matters, and their principle is explained. As to neutron imaging plates, the converter, neutron detection efficiency and the flight of secondary particles in photo-stimulated luminescence matters are described. As for the present state of development of neutron imaging plates, the IP-NDs made for trial, the dynamic range, the positional resolution, the detection efficiency and the kinds of converters, and the application of IP-NDs are reported. (K.I.)

  1. 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

  2. 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.

  3. 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 ...

  4. 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...

  5. 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.

  6. 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.

  7. 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...

  8. 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 ...

  9. 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 ...

  10. 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

  11. 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

  12. 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...

  13. 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.

  14. 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.

  15. 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…

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. Cadmium plating replacements

    Energy Technology Data Exchange (ETDEWEB)

    Nelson, M.J.; Groshart, E.C.

    1995-03-01

    The Boeing Company has been searching for replacements to cadmium plate. Two alloy plating systems seem close to meeting the needs of a cadmium replacement. The two alloys, zinc-nickel and tin-zinc are from alloy plating baths; both baths are neutral pH. The alloys meet the requirements for salt fog corrosion resistance, and both alloys excel as a paint base. Currently, tests are being performed on standard fasteners to compare zinc-nickel and tin-zinc on threaded hardware where cadmium is heavily used. The Hydrogen embrittlement propensity of the zinc-nickel bath has been tested, and just beginning for the tin-zinc bath. Another area of interest is the electrical properties on aluminum for tin-zinc and will be discussed. The zinc-nickel alloy plating bath is in production in Boeing Commercial Airplane Group for non-critical low strength steels. The outlook is promising that these two coatings will help The Boeing Company significantly reduce its dependence on cadmium plating.

  3. Bending and stretching of plates

    CERN Document Server

    Mansfield, E H; Hemp, W S

    1964-01-01

    The Bending and Stretching of Plates deals with elastic plate theory, particularly on small- and large-deflexion theory. Small-deflexion theory concerns derivation of basic equations, rectangular plates, plates of various shapes, plates whose boundaries are amenable to conformal transformation, plates with variable rigidity, and approximate methods. Large-deflexion theory includes general equations and some exact solutions, approximate methods in large-deflexion theory, asymptotic large-deflexion theories for very thin plates. Asymptotic theories covers membrane theory, tension field theory, a

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

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

    Science.gov (United States)

    2012-11-15

    ... 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 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

    ... 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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…

  11. 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

  12. 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.

  13. 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.

  14. 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.

  15. 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...

  16. Plating on Zircaloy-2

    International Nuclear Information System (INIS)

    Dini, J.W.; Johnson, H.R.; Jones, A.

    1979-03-01

    Zircaloy-2 is a difficult alloy to coat with an adherent electroplate because it easily forms a tenacious oxide film in air and aqueous solutions. Procedures reported in the literature and those developed at SLL for surmounting this problem were investigated. The best results were obtained when specimens were first etched in either an ammonium bifluoride/sulfuric acid or an ammonium bifluoride solution, plated, and then heated at 700 0 C for 1 hour in a constrained condition. Machining threads in the Zircaloy-2 for the purpose of providing sites for mechanical interlocking of the plating also proved satisfactory

  17. NICKEL PLATING PROCESS

    Science.gov (United States)

    Hoover, T.B.; Zava, T.E.

    1959-05-12

    A simplified process is presented for plating nickel by the vapor decomposition of nickel carbonyl. In a preferred form of the invention a solid surface is nickel plated by subjecting the surface to contact with a mixture containing by volume approximately 20% nickel carbonyl vapor, 2% hydrogen sulfide and .l% water vapor or 1% oxygen and the remainder carbon dioxide at room temperature until the desired thickness of nickel is obtained. The advantage of this composition over others is that the normally explosive nickel carbonyl is greatly stabilized.

  18. 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...

  19. 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

  20. 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...

  1. 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

  2. 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...

  3. Nuclear reactor alignment plate configuration

    Energy Technology Data Exchange (ETDEWEB)

    Altman, David A; Forsyth, David R; Smith, Richard E; Singleton, Norman R

    2014-01-28

    An alignment plate that is attached to a core barrel of a pressurized water reactor and fits within slots within a top plate of a lower core shroud and upper core plate to maintain lateral alignment of the reactor internals. The alignment plate is connected to the core barrel through two vertically-spaced dowel pins that extend from the outside surface of the core barrel through a reinforcement pad and into corresponding holes in the alignment plate. Additionally, threaded fasteners are inserted around the perimeter of the reinforcement pad and into the alignment plate to further secure the alignment plate to the core barrel. A fillet weld also is deposited around the perimeter of the reinforcement pad. To accomodate thermal growth between the alignment plate and the core barrel, a gap is left above, below and at both sides of one of the dowel pins in the alignment plate holes through with the dowel pins pass.

  4. 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 ...

  5. 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...

  6. Create Your Plate

    Medline Plus

    Full Text Available ... 1 Type 2 About Us Online Community Meal Planning Sign In Search: Search More Sites Search ≡ Are ... Fitness Home Food MyFoodAdvisor Recipes Association Cookbook Recipes Planning Meals Diabetes Meal Plans Create Your Plate Gluten ...

  7. Create Your Plate

    Medline Plus

    Full Text Available ... Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook with Heart-Healthy Foods donate en -- A Future Without Diabetes - a-future-without-diabetes-2.html A Future Without Diabetes Donate towards research today and your gift will be matched. Donate ...

  8. The Plate Tectonics Project

    Science.gov (United States)

    Hein, Annamae J.

    2011-01-01

    The Plate Tectonics Project is a multiday, inquiry-based unit that facilitates students as self-motivated learners. Reliable Web sites are offered to assist with lessons, and a summative rubric is used to facilitate the holistic nature of the project. After each topic (parts of the Earth, continental drift, etc.) is covered, the students will…

  9. Create Your Plate

    Medline Plus

    Full Text Available ... meal-planning, . In this section Food Planning Meals Diabetes Meal Plans and a Healthy Diet Create Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook with Heart-Healthy Foods donate en -- A Future Without Diabetes - a-future-without-diabetes-1.html A Future ...

  10. Create Your Plate

    Medline Plus

    Full Text Available ... Types of Activity Weight Loss Assess Your Lifestyle Getting Started Food Choices In My Community Home Find Your ... but changes the portion sizes so you are getting larger portions of ... seven steps to get started: Using your dinner plate, put a line down ...

  11. Create Your Plate

    Medline Plus

    Full Text Available ... Create Your Plate is a simple and effective way to manage your blood glucose levels and lose weight. With ... for Donations - ways-to-give-201710-hotelscom.html Ways to Give ... to help prevent and manage diabetes. Ask the Experts: Learn to Live Well ...

  12. Create Your Plate

    Medline Plus

    Full Text Available ... meal-planning, . In this section Food Planning Meals Diabetes Meal Plans and a Healthy Diet Create Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook with Heart-Healthy Foods donate en -- A Future Without Diabetes - a-future-without-diabetes-2.html A Future ...

  13. Create Your Plate

    Medline Plus

    Full Text Available ... Type 1 Type 2 About Us Online Community Meal Planning Sign In Search: Search More Sites Search ≡ ... Home Food MyFoodAdvisor Recipes Association Cookbook Recipes Planning Meals Diabetes Meal Plans Create Your Plate Gluten Free ...

  14. Create Your Plate

    Medline Plus

    Full Text Available ... Your Plate Meal Planning for Vegetarian Diets Gluten Free Diets Holiday Meal Planning Cook with Heart-Healthy Foods donate en -- A Future Without Diabetes - a-future-without-diabetes.html A Future Without Diabetes Donate towards research today and your gift will be matched. Donate Today We Can Help - we- ...

  15. Create Your Plate

    Medline Plus

    Full Text Available ... tax-deductible gift today can fund critical diabetes research and support vital diabetes education services that improve the ... way to manage your blood glucose levels and lose weight. With this method, you fill your plate with more non-starchy ...

  16. Plate girders under bending

    NARCIS (Netherlands)

    Abspoel, R.; Dubina, D.; Ungureanu, V.

    2016-01-01

    In a material economy driven plate girder design, the lever arm between the flanges will increase. This leads to higher stiffness and bending moment resistance, but also to an in-crease of the web slenderness. This means that high strength steels can be used leading to a large reduction of the steel

  17. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  18. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  19. 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

  20. 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.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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...

  6. 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....

  7. 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.

  8. 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...

  9. 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...

  10. 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.

  11. Effect of plate shapes in orifice plate type flowmeters

    International Nuclear Information System (INIS)

    Moeller, S.V.

    1984-01-01

    The study of unusual plate shapes in orifice plate type flowmeters is presented, with a view to providing data for the substitution of the plate with one centered circular orifice in those applications where its use is not possible. For this purpose, six pairs of plates with different forms, with and without chamfered edges, were made and tested in a closed water loop. Results show that, generally, the use of chamfers improves the results and, in the case of perforated and slotlike orificed plates, the narrow-ness of the fluid passage tends to make unnecessary its use. (Author) [pt

  12. 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.

  13. 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 ...

  14. 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,...

  15. 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...

  16. 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...

  17. 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

  18. 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...

  19. 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)

  20. 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

  1. 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

  2. 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).

  3. 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...

  4. 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.

  5. 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...

  6. 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.

  7. The presence of embedded bacterial pure cultures in agar plates stimulate the culturability of soil bacteria

    DEFF Research Database (Denmark)

    Burmølle, Mette; Johnsen, Kaare; Abu Al-Soud, Waleed Mohamad Abdel F

    2009-01-01

    cultures in between two layers of agar. Plates containing either embedded Pseudomonas putida or Arthrobacter globiformis resulted in higher numbers of CFUs of soil bacteria (21% and 38%, respectively) after 833 h of incubation, compared to plates with no embedded strain. This indicates a stimulatory effect...... homology to known sequenced isolates in GenBank were recovered from plates with embedded strains than from those without, which indicate a higher number of potential novel soil isolates. This approach for cultivation is therefore a feasible alternative or supplement to traditional cultivation on agar...

  8. 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...

  9. 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.

  10. 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.

  11. 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....

  12. 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

  13. 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

  14. 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...

  15. 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),…

  16. 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 ...

  17. 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.

  18. 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.

  19. Fuel cell end plate structure

    Science.gov (United States)

    Guthrie, Robin J.; Katz, Murray; Schroll, Craig R.

    1991-04-23

    The end plates (16) of a fuel cell stack (12) are formed of a thin membrane. Pressure plates (20) exert compressive load through insulation layers (22, 26) to the membrane. Electrical contact between the end plates (16) and electrodes (50, 58) is maintained without deleterious making and breaking of electrical contacts during thermal transients. The thin end plate (16) under compressive load will not distort with a temperature difference across its thickness. Pressure plate (20) experiences a low thermal transient because it is insulated from the cell. The impact on the end plate of any slight deflection created in the pressure plate by temperature difference is minimized by the resilient pressure pad, in the form of insulation, therebetween.

  20. 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...

  1. Plate Full of Color

    Centers for Disease Control (CDC) Podcasts

    2008-08-04

    The Eagle Books are a series of four books that are brought to life by wise animal characters - Mr. Eagle, Miss Rabbit, and Coyote - who engage Rain That Dances and his young friends in the joy of physical activity, eating healthy foods, and learning from their elders about health and diabetes prevention. Plate Full of Color teaches the value of eating a variety of colorful and healthy foods.  Created: 8/4/2008 by National Center for Chronic Disease Prevention and Health Promotion (NCCDPHP).   Date Released: 8/5/2008.

  2. 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...

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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.

  9. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently...

  10. Bank performance and corporate culture

    NARCIS (Netherlands)

    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’

  11. Bank credit and business financing

    NARCIS (Netherlands)

    Morales Arenas, Diana

    2018-01-01

    This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth

  12. Size, productivity, and international banking

    NARCIS (Netherlands)

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

    2011-01-01

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  13. Bank Size and Systemic Risk

    NARCIS (Netherlands)

    Pais, A.; Stork, P.A.

    2013-01-01

    The global financial crisis that started in mid-2007 illustrates the relevance of systemic risk. One key driver of the systemic instability that materialised in the crisis was the elevated level of stress in large banks. We use EVT to analyse the effect of size on banks' univariate and systemic risk

  14. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  15. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

    Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.

  16. [The National Serum Bank].

    Science.gov (United States)

    Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R

    1992-01-01

    A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.

  17. De-globalising bank regulation

    Directory of Open Access Journals (Sweden)

    Mario Tonveronachi

    2013-12-01

    Full Text Available 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, to deepen globalisation by means of more homogeneous international standards for prudential regulation and bank resolution. After all, that was the original message of the G20. The champions of globalisation argue that the new rules on prudential regulation and bank resolution will make bank crises less frequent and serious, while shielding public finances if they occur. Much of the current debate focuses on whether the new rules, especially for bank capitalisation, are strict enough to deliver financial stability. The present paper objects to focusing regulation and supervision solely on stability, to linking stability only to prudential rules and to enhancing the international harmonisation of those rules. The criticism, based on a simple exercise, looks at the structural heterogeneities that characterise both the banking systems and the growth trajectories of some developed economies. Homogenous rules, if effective, would produce inflationary or deflationary strains. If banks must serve economic growth, regulation should found financial stability mainly on structural measures, and supervision should be transformed into one of the policy tools flexibly looking after local conditions.

  18. CMS Resistive plate Champers

    CERN Document Server

    Zainab, Karam

    2013-01-01

    There are many types of gas detectors which are used in CERN in LHC project, There is a main parts for the gas detectors which must be in all gas detectors types like Multiwire proportional chambers, such as the micromesh gaseous structure chamber (the MicroMegas), Gas-electron multiplier (GEM) detector, Resistive Plate Champers... Compact Muon Solenoid (CMS) experiment detecting muons which are powerful tool for recognizing signatures of interesting physics processes. The CMS detector uses: drift tube (DT), cathode strip chamber (CSC) and resistive plate chamber (RPC). Building RPC’s was my project in summer student program (hardware). RPC’s have advantages which are triggering detector and Excellent time resolution which reinforce the measurement of the correct beam crossing time. RPC’s Organized in stations :  RPC barrel (RB) there are 4 stations, namely RB1, RB2, RB3, and RB4  While in the RPC endcap (RE) the 3 stations are RE1, RE2, and RE3. In the endcaps a new starion will be added and this...

  19. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  20. Akselerasi Pertumbuhan Bank Syariah Di Indonesia

    OpenAIRE

    Zubair, Muhammad Kamal

    2008-01-01

    This paper aims to show the growth of Islamic banking industry in Indonesia. In this time, fast growth of Islamic banking industry progressively is office network side as consequence of improvement of requirement of society and enthusiasm of bank to provide service. Bank of Indonesia estimate in the this year 2008, Islamic banking industry will enjoy high growth to be compared to national banking in general. This prediction based on the finishing Law of Islamic Securities (SBSN) and Law of Is...

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

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

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

  2. Goniometria da articulação tíbio-tarsal após imobilização temporária com fixador esquelético externo em cães

    OpenAIRE

    Alievi,Marcelo Meller; Schossler,João Eduardo; Teixeira,Marcelo Weinsten

    2004-01-01

    Neste experimento, foram utilizados 10 cães clinicamente sadios, submetidos à imobilização temporária das articulações tíbio-tarsal, intertarsal e tarso-metatarsiana direita com fixador esquelético externo, tendo por objetivo avaliar através da mensuração da flexão, da extensão e da amplitude articular os danos provocados por esta imobilização. O aparelho de fixação esquelética externa manteve a articulação em um ângulo aproximado de 135masculine e permaneceu por 45 dias. Os animais apresenta...

  3. Goniometria da articulação tíbio-tarsal após imobilização temporária com fixador esquelético externo em cães

    Directory of Open Access Journals (Sweden)

    Alievi Marcelo Meller

    2004-01-01

    Full Text Available Neste experimento, foram utilizados 10 cães clinicamente sadios, submetidos à imobilização temporária das articulações tíbio-tarsal, intertarsal e tarso-metatarsiana direita com fixador esquelético externo, tendo por objetivo avaliar através da mensuração da flexão, da extensão e da amplitude articular os danos provocados por esta imobilização. O aparelho de fixação esquelética externa manteve a articulação em um ângulo aproximado de 135masculine e permaneceu por 45 dias. Os animais apresentaram desconforto à manipulação articular para a realização do exame goniométrico no dia da retirada do aparelho, demonstrando dor na flexão e na extensão passiva do membro imobilizado, sendo que tal dificuldade desapareceu após três dias. Foi observado que a imobilização articular temporária obtida pela fixação esquelética externa promove perda estatisticamente significativa nos graus de flexão, de extensão e de amplitude articular tíbio-tarsal imediatamente após a remoção do fixador externo. Porém, após sete dias desta remoção para extensão e quinze dias para flexão e amplitude articular, esta perda não é mais verificada.

  4. Channel plate for DNA sequencing

    Science.gov (United States)

    Douthart, Richard J.; Crowell, Shannon L.

    1998-01-01

    This invention is a channel plate that facilitates data compaction in DNA sequencing. The channel plate has a length, a width and a thickness, and further has a plurality of channels that are parallel. Each channel has a depth partially through the thickness of the channel plate. Additionally an interface edge permits electrical communication across an interface through a buffer to a deposition membrane surface.

  5. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

    Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.

  6. Using GPS, tide gauge and altimetry data to constrain subduction parameters at the Vanuatu plate boundary.

    Science.gov (United States)

    Ballu, V.; Bouin, M.; Baillard, C.; Calmant, S.; Pelletier, B.; Crawford, W. C.; Kanas, T.; Garaebiti, E.

    2012-12-01

    two offshore sites using absolute pressure gauges. The sites - Wusi and Sabine Banks - are installed beneath altimetry satellite tracks, Wusi Bank on the over-riding plate and Sabine Bank on the subducting plate. The difference in the pressure records between the sites shows that Wusi Bank subsides by 11 +/- 3 mm/yr with respect to Sabine Bank. We combined the water depths derived from the pressure measurements with altimetry-derived sea-surface heights to tie these heights to a global reference frame: Wusi Bank subsides and Sabine Bank's vertical motion is near zero. Using a 2D elastic model and a finite-element code, we used the gradient of vertical deformation between the coast and the Wusi Bank site to discriminate between possible locked zone geometries. The best simple approximation is a 25° dipping, 30 km long fully locked zone, indicating that stress is currently accumulating west of Santo, Central Vanuatu. The movement of Wusi Bank is a key factor in constraining the dip and length of the locked zone, demonstrating the importance of offshore geodesy measurements.

  7. VISAS AND GREEN PLATES

    CERN Multimedia

    2000-01-01

    From 3 April 2000, all questions relating to visa requests for Switzerland, France, or Russia for a member of the personnel must be addressed to Ms. Agnita Querrou (telephone 72838, office 5-2-019, e-mail Agnita.Querrou@cern.ch).The Users' Office continues to deal with requests for letters of invitation and questions concerning visas for users in EP Division.Questions relating to removals, requests for green plates, to privileges of members of the personnel and to the importation of vehicles are still dealt with by Ms Zuzana Miller (telephone 79257, office 33-1-017, e-mail Zuzana.Muller@cern.ch) and Ms Joëlle Belleman (telephone 73962, office 33-1-019, e-mail Joelle.Belleman@cern.ch).

  8. Skin Effect Simulation for Area 11 Dense Plasma Focus Hot Plate

    Energy Technology Data Exchange (ETDEWEB)

    Meehan, B. Timothy [National Security Technologies, LLC. (NSTec), Mercury, NV (United States)

    2017-07-27

    Two arc flashover events occurred at the DPF Area 11 facility. These flashover events happened in the same location on the bank current delivery plates. The damage from one of these events can be seen on the left-hand side of Figure 1. Since the flashovers occurred in the same area of the bank, and the reliability of the bank is important for future DPF experiments, a failure analysis effort was initiated. Part of this failure analysis effort was an effort to understand the physical reasons behind why the flashover happened, and why it happened in the same place twice. This paper summarizes an effort to simulate the current flow in the bank in order to understand the reasons for the flashover.

  9. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...

  10. 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...

  11. Organizational Support for Workers' Recuperation in Nigerian Banks ...

    African Journals Online (AJOL)

    This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...

  12. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...... in the required return, the interest rate premium paid for leniency isincreased in recession at a given level of required capital....

  13. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

    During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...... the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss...

  14. INSOLVENCY AND BANK FINANCIAL POLICY

    OpenAIRE

    Mihaela GÖNDÖR

    2011-01-01

    Insolvency is one of the most often used actions in the economic intern environment. This can be used by companies as a tool for obtaining the restructuring of bank loans or to provide shelter to enforcement. For banks, that means serious problems because they are forced to fully provisioned credit granted to companies that enter into insolvency, even if the rates are paid to date or with small delays, any guaranties was held. In this situation, for banks in Romania, the perception of risk is...

  15. Plate osteosynthesis of simple forearm fractures : LCP versus DC plates

    NARCIS (Netherlands)

    Stevens, Charles Tjerk; Ten Duis, Henk Jan

    The aim of this study was to compare the time to radiological bony union of simple A-type fractures of the forearm, treated with either a locking compression plate (LCP) or a dynamic compression plate (DCP). For each fracture, the relation between the use of compression and radiological healing time

  16. CULTURE TRANSFORMATION: LESSONS FROM BANK MANDIRI AND BANK BRI

    OpenAIRE

    Mahmuddin Yasin

    2014-01-01

    This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO). The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1) integration human resources...

  17. Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

    OpenAIRE

    Makosana, Musa

    2014-01-01

    The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

  18. 77 FR 17478 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-26

    ... 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... 23261-4528: 1. U.S. Immigration Investment Center, LLC, Washington, DC, and its managing director...

  19. 75 FR 19974 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-16

    ... 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... L. Lowe, Danville, California; and Christopher A. Masto, San Francisco, California; as the managing...

  20. Modeling particulate removal in plate-plate and wire-plate electrostatic precipitators

    Directory of Open Access Journals (Sweden)

    S Ramechecandane

    2016-09-01

    Full Text Available The present study is concerned with the modeling of electrically charged particles in a model plate-plate and a single wire-plate electrostatic precipitator (ESP. The particle concentration distributions for both a plate-plate and a wire-plate ESP are calculated using a modified drift flux model. Numerical investigations are performed using the modified drift flux model for particle number concentration, in addition to the RNG k - ε model for the mean turbulent flow field and the Poisson equation for the electric field. The proposed model and the outlined methodology for coupling the flow field, electric field, charging kinetics and particle concentration is applied to two model precipitators that are truly representative of a wide class of commercialized ESPs. The present investigation is quite different from the earlier studies as it does not make assumptions like a homogeneous electric field or an infinite turbulent diffusivity. The electric field calculated is a strong function of position and controls the migration velocity of particles. Hence, the proposed model can be implemented in a flow solver to obtain a full-fledged solution for any kind of ESP with no limitations on the particle number concentration, as encountered in a Lagrangian approach. The effect of turbulent diffusivity on particle number concentration in a plate-plate ESP is investigated in detail and the results obtained are compared with available experimental data. Similarly, the effect of particle size/diameter and applied electric potential on the accumulative collection performance in the case of a wire-plate ESP is studied and the results obtained are compared with available numerical data. The numerical results obtained using the modified drift flux model for both the plate-plate and wire-plate ESP are in close agreement with available experimental and numerical data.

  1. THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

    Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank.  Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.

  2. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    California Natural Resource Agency — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...

  3. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    California Department of Resources — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...

  4. NIH NeuroBioBank

    Data.gov (United States)

    Federal Laboratory Consortium — The NIH NeuroBioBank (NBB), supported by the National Institute of Mental Health, the National Institute of Neurological Disorders and Stroke, and the Eunice Kennedy...

  5. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

    The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and

  6. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

    Full Text Available There are a lot of economic efficiency indicators in theory. It is necessary to choice some of them for concrete purposes. ROA, ROE and C/I play important role due to last experience of polish banks.Cost to Income Ratio plays very important role affecting not only efficiency monitoring process in the banks but also becoming a very important target in strategy or finance plan. There are several methodological approaches to construct this index in detail. Results are differing due to implementing methodology. This article describes trends C/I concerning both polish and foreign banks. It is difficult to compare banks in emerging country and real giants in finance mature economies.

  7. Case Study: Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

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

  8. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — Comprehensive, peer-reviewed toxicology data for about 5,000 chemicals. The data bank focuses on the toxicology of potentially hazardous chemicals. It is enhanced...

  9. The influence of circuit inductance on the energy characteristics of electric discharge and deformation of plates in water

    Science.gov (United States)

    Kosenkov, V. M.; Bychkov, V. M.

    2017-08-01

    We have experimentally studied the influence of discharge-circuit inductance on the efficiency of conversion of energy stored in a capacitor bank, evolved in the electric-discharge channel in water, and spent for the resulting plastic deformation of plates. It is established for the first time that a growth in inductance of the discharge circuit produces a positive effect on the deformation of plates by increasing the amount of energy spent in this process.

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

    Directory of Open Access Journals (Sweden)

    Sri Sumardiningsih

    2012-10-01

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

  11. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

    Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relations...

  12. Enhancing the use of internet banking in an emerging market

    OpenAIRE

    Jacques Nel; Christo Boshoff

    2014-01-01

    Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking fac...

  13. Laterally Loaded Nail-Plates

    DEFF Research Database (Denmark)

    Nielsen, Jacob; Rathkjen, Arne

    Load-displacement curves from about 200 short-term and laterally loaded nail-plate joints are analysed. The nail-plates are from Gang-Nail Systems, type GNA 20 S. The test specimens and the measuring systems are described. The tests are divided into 32 different series. The influence of the number...

  14. Seismic link at plate boundary

    Indian Academy of Sciences (India)

    time series to determine the causality and related orientation. The resulting link orientations at the plate boundary conditions indicate that causal triggering seems to be localized along a major fault, as a stress transfer between two major faults, and parallel to the geothermal area extension. 1. Introduction. Plate boundaries ...

  15. Scintillating plate calorimeter optical design

    International Nuclear Information System (INIS)

    McNeil, R.; Fazely, A.; Gunasingha, R.; Imlay, R.; Lim, J.

    1990-01-01

    A major technical challenge facing the builder of a general purpose detector for the SSC is to achieve an optimum design for the calorimeter. Because of its fast response and good energy resolution, scintillating plate sampling calorimeters should be considered as a possible technology option. The work of the Scintillating Plate Calorimeter Collaboration is focused on compensating plate calorimeters. Based on experimental and simulation studies, it is expected that a sampling calorimeter with alternating layers of high-Z absorber (Pb, W, DU, etc.) and plastic scintillator can be made compensating (e/h = 1.00) by suitable choice of the ratio of absorber/scintillator thickness. Two conceptual designs have been pursued by this subsystem collaboration. One is based on lead as the absorber, with read/out of the scintillator plates via wavelength shifter fibers. The other design is based on depleted uranium as the absorber with wavelength shifter (WLS) plate readout. Progress on designs for the optical readout of a compensating scintillator plate calorimeter are presented. These designs include readout of the scintillator plates via wavelength shifter plates or fiber readout. Results from radiation damage studies of the optical components are presented

  16. MyPlate Food Guide

    Science.gov (United States)

    ... Safe Videos for Educators Search English Español MyPlate Food Guide KidsHealth / For Teens / MyPlate Food Guide What's ... and other sugary drinks. Avoid large portions . Five Food Groups Different food groups have different nutrients and ...

  17. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    OpenAIRE

    Dragan (Santamarian) Oana Raluca

    2012-01-01

    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...

  18. Consumer behavior in corporate banking

    Directory of Open Access Journals (Sweden)

    Đorđević Bojan

    2008-01-01

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

  19. Bubbles, Banks, and Financial Stability

    OpenAIRE

    Kosuke Aoki; Kalin Nikolov

    2011-01-01

    This paper asks two main questions: (1) What makes some asset price bubbles more costly for the real economy than others? and (2) When do costly bubbles occur? We construct a model of rational bubbles under credit frictions and show that when bubbles held by banks burst this is followed by a costly financial crisis. In contrast, bubbles held by ordinary savers have relatively muted effects. Banks tend to invest in bubbles when financial liberalisation decreases their profitability.

  20. Quality indicators for eye bank

    Directory of Open Access Journals (Sweden)

    Manisha Acharya

    2018-01-01

    Full Text Available Purpose: The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Methods: Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions – “result quality” and “process quality.” The indicators were measured and tracked as part of quality assurance (QA program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011–2016. Results: Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%, discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. Conclusion: These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

  1. Quality indicators for eye bank.

    Science.gov (United States)

    Acharya, Manisha; Biswas, Saurabh; Das, Animesh; Mathur, Umang; Dave, Abhishek; Singh, Ashok; Dubey, Suneeta

    2018-03-01

    The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions - "result quality" and "process quality." The indicators were measured and tracked as part of quality assurance (QA) program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP) with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011-2016. Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%), discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

  2. PERFORMANCE AUDITING FOR ISLAMIC BANKS

    OpenAIRE

    KHAN, MUHAMMAD AKRAM

    1997-01-01

    Although the Islamic finance is making continuous progress, yet the Islamic banks still face criticism from keen observers that they have adopted such techniques of financing which closely resemble interest-based finance. The difficulty with Islamic banks is that they feel hesitant to adopt profit-loss sharing in the contemporary environment. They are afraid that their clients may misreport or mismanage their funds leading to large-scale losses. Being trustees of public funds they think the r...

  3. Fractional Reserve in Banking System

    OpenAIRE

    Valkonen, Maria

    2016-01-01

    This thesis is aimed to provide understanding of the role of the fractional reserve in the mod-ern banking system worldwide and particularly in Finland. The fractional reserve banking is used worldwide, but the benefits of this system are very disputable. On the one hand, experts say that the fractional reserve is a necessary instrument for the normal business and profit making. On the other hand, sceptics openly criticize the fractional reserve system and blame it for fiat money (money n...

  4. Fractional Reserve Banking: Some Quibbles

    OpenAIRE

    Bagus, Philipp; Howden, David

    2010-01-01

    We explore several unaddressed issues in George Selgin’s (1988) claim that the best monetary system to maintain monetary equilibrium is a fractional reserve free banking one. The claim that adverse clearing balances would limit credit expansion in a fractional reserve free banking system is more troublesome than previously reckoned. Both lengthened clearing periods and interbank agreements render credit expansion unrestrained. “The theory of free banking” confuses increases in money held with...

  5. CORPORATE GOVERNANCE OF BANKS : A SURVEY

    NARCIS (Netherlands)

    de Haan, Jakob; Vlahu, Razvan

    This paper reviews the empirical literature on the corporate governance of banks. We start by highlighting the main differences between banks and nonfinancial firms and focus on three characteristics that make banks special: (i) regulation, (ii) the capital structure of banks, and (iii) the

  6. 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...

  7. 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...

  8. 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...

  9. Foreign bank ownership and household credit

    NARCIS (Netherlands)

    Beck, T.H.L.; Brown, M.

    2015-01-01

    Theoretical and empirical work on banking emphasizes the role of banks in overcoming information asymmetries and agency problems between borrowers and lenders. This paper investigates the importance of bank ownership in determining the sorts of customers that a bank serves, and consequently, the

  10. Bank governance, regulation, and risk taking

    NARCIS (Netherlands)

    Laeven, L.; Levine, R.

    2009-01-01

    This paper conducts the first empirical assessment of theories concerning risk taking by banks, their ownership structures, and national bank regulations. We focus on conflicts between bank managers and owners over risk, and we show that bank risk taking varies positively with the comparative power

  11. Stress-testing banks under deep uncertainty

    NARCIS (Netherlands)

    Islam, T.; Vasilopoulos, C.; Pruyt, E.

    2013-01-01

    Years of turmoil in the banking sector have revealed the need to assess bank performance under deep uncertainty and identify vulnerabilities to different types of risks. Banks are not the safe houses of old. Today, banks are highly uncertain dynamically complex systems that are permanently at risk

  12. Essays in banking and international finance

    NARCIS (Netherlands)

    Schäfer, Larissa

    2015-01-01

    This thesis consists of three chapters, two in banking and one in international finance. The first two chapters examine how bank business models and foreign ownership structures affect bank-firm lending relationships. In particular, the first chapter reveals that foreign banks can overcome their

  13. 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...

  14. 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...

  15. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

    Huizinga, H.P.; Voget, J.; Wagner, W.B.

    2011-01-01

    This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998-2008 - period. Home country corporate income taxation of foreign-source bank income is found to reduce banking-sector FDI.

  16. International taxation and cross-border banking

    NARCIS (Netherlands)

    Huizinga, H.P.; Voget, J.; Wagner, W.B.

    This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998�2008 period. International double taxation of foreign-source bank income is found to reduce banking-sector FDI.

  17. Aseptic laboratory techniques: plating methods.

    Science.gov (United States)

    Sanders, Erin R

    2012-05-11

    Microorganisms are present on all inanimate surfaces creating ubiquitous sources of possible contamination in the laboratory. Experimental success relies on the ability of a scientist to sterilize work surfaces and equipment as well as prevent contact of sterile instruments and solutions with non-sterile surfaces. Here we present the steps for several plating methods routinely used in the laboratory to isolate, propagate, or enumerate microorganisms such as bacteria and phage. All five methods incorporate aseptic technique, or procedures that maintain the sterility of experimental materials. Procedures described include (1) streak-plating bacterial cultures to isolate single colonies, (2) pour-plating and (3) spread-plating to enumerate viable bacterial colonies, (4) soft agar overlays to isolate phage and enumerate plaques, and (5) replica-plating to transfer cells from one plate to another in an identical spatial pattern. These procedures can be performed at the laboratory bench, provided they involve non-pathogenic strains of microorganisms (Biosafety Level 1, BSL-1). If working with BSL-2 organisms, then these manipulations must take place in a biosafety cabinet. Consult the most current edition of the Biosafety in Microbiological and Biomedical Laboratories (BMBL) as well as Material Safety Data Sheets (MSDS) for Infectious Substances to determine the biohazard classification as well as the safety precautions and containment facilities required for the microorganism in question. Bacterial strains and phage stocks can be obtained from research investigators, companies, and collections maintained by particular organizations such as the American Type Culture Collection (ATCC). It is recommended that non-pathogenic strains be used when learning the various plating methods. By following the procedures described in this protocol, students should be able to: Perform plating procedures without contaminating media. Isolate single bacterial colonies by the streak-plating

  18. Strong Plate, Weak Slab Dichotomy

    Science.gov (United States)

    Petersen, R. I.; Stegman, D. R.; Tackley, P.

    2015-12-01

    Models of mantle convection on Earth produce styles of convection that are not observed on Earth.Moreover non-Earth-like modes, such as two-sided downwellings, are the de facto mode of convection in such models.To recreate Earth style subduction, i.e. one-sided asymmetric recycling of the lithosphere, proper treatment of the plates and plate interface are required. Previous work has identified several model features that promote subduction. A free surface or pseudo-free surface and a layer of material with a relatively low strength material (weak crust) allow downgoing plates to bend and slide past overriding without creating undue stress at the plate interface. (Crameri, et al. 2012, GRL)A low viscosity mantle wedge, possibly a result of slab dehydration, decouples the plates in the system. (Gerya et al. 2007, Geo)Plates must be composed of material which, in the case of the overriding plate, are is strong enough to resist bending stresses imposed by the subducting plate and yet, as in the case of the subducting plate, be weak enough to bend and subduct when pulled by the already subducted slab. (Petersen et al. 2015, PEPI) Though strong surface plates are required for subduction such plates may present a problem when they encounter the lower mantle.As the subducting slab approaches the higher viscosity, lower mantle stresses are imposed on the tip.Strong slabs transmit this stress to the surface.There the stress field at the plate interface is modified and potentially modifies the style of convection. In addition to modifying the stress at the plate interface, the strength of the slab affects the morphology of the slab at the base of the upper mantle. (Stegman, et al 2010, Tectonophysics)Slabs that maintain a sufficient portion of their strength after being bent require high stresses to unbend or otherwise change their shape.On the other hand slabs that are weakened though the bending process are more amenable to changes in morphology. We present the results of

  19. A study on relationship between electronic banking and liquidity management on Iranian banks

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

    Full Text Available E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

  20. Marketing Aspect of Banking Competition

    Directory of Open Access Journals (Sweden)

    Nieizviestna Olena V.

    2015-03-01

    Full Text Available The aim of the article is to study the need for application of marketing tools in order to improve competitiveness and competitive advantages of banks. By analyzing, systematizing and summarizing the scientific works of many scientists, the relationship between the competitiveness of the commercial bank and its share in the banking market has been discovered. In the process of studying the integration of the strategy of maximizing customer satisfaction in the practice of strategic competition in the banking market there was presented the author’s position regarding the need to take into account the structure of the customer loyalty, as it is it that helps to properly distribute the bank’s marketing efforts. It has been proved that the technology of bank marketing should not only include the systems of identifying customer needs, creation of new financial products, but also contribute to the formation of the multi-factor strategic model of competitive strategy of the bank competitive development. It has been proposed to use the SWOT-analysis in order to effectively manage the bank’s competitiveness.

  1. [Eye banks and available transplants].

    Science.gov (United States)

    Slettedal, Jon Klokk; Drolsum, Liv; Ramstad, Hanne; Nicolaissen, Bjørn

    2008-04-17

    Eye banks have procured, processed and stored donor corneas for decades. In parallel, new techniques have emerged employing allogeneic transplantation of various cells and tissues from the eye banks. This progress is a consequence of increased knowledge of stem cells, cell kinetics and immunological aspects and improved techniques for cell culturing, tissue storage and microsurgery. Review article on available transplants for treating eye diseases, based on experience with eye banking, clinical ophthalmological practice, own research and literature retrieved from PubMed, Medline and www.google.com. Treatment techniques for eye diseases, which require biological material for grafting, need efficient eye banks for continuous supply of donor material of high quality. New Norwegian legislation, based on implementation of EU Directive 2004/23/EC, demands authorization of all eye banks. The EU Directive sets high and rigorous standards for quality and safety for donation, procurement, testing, processing, storage and distribution of tissues and cells. Well-run eye banks are of great importance for modern treatment of patients suffering from eye diseases and for progress and research in ophthalmology.

  2. Fundamental processes in ion plating

    International Nuclear Information System (INIS)

    Mattox, D.M.

    1980-01-01

    Ion plating is a generic term applied to film deposition processes in which the substrate surface and/or the depositing film is subjected to a flux of high energy particles sufficient to cause changes in the interfacial region of film properties compared to a nonbombarded deposition. Ion plating is being accepted as an alternative coating technique to sputter deposition, vacuum evaporation and electroplating. In order to intelligently choose between the various deposition techniques, the fundamental mechanisms, relating to ion plating, must be understood. This paper reviews the effects of low energy ion bombardment on surfaces, interface formation and film development as they apply to ion plating and the implementation and applications of the ion plating process

  3. COMPETITION IN ROMANIAN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Capraru Bogdan

    2011-07-01

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

  4. 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...

  5. Industries and the bank lending effects of bank credit demand and monetary policy in Germany

    NARCIS (Netherlands)

    Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

    2006-01-01

    This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

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

    NARCIS (Netherlands)

    Hermes, Niels; Lensink, Robert

    2001-01-01

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

  7. Legal and actual central bank independence : A case study of Bank of Indonesia

    NARCIS (Netherlands)

    Artha, I.K.D.S.; de Haan, J.

    2010-01-01

    Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period

  8. Bank deposits, notions and features of accounting

    Directory of Open Access Journals (Sweden)

    Georgeta MELNIC

    2016-06-01

    Full Text Available Bank deposits are the main method of raising capital and short-term available savings. The opening and using of the bank deposits is the main function of banks. In 2004 the Deposit Guarantee Fund was set up in the Republic of Moldova of Deposit Guarantee Fund and for the first time there was established a guaranteed bank minimum in case of bank insolvency which is currently 6,000 lei for the deposit of each natural person.

  9. Humane Orientation and Corruption in Bank Lending

    OpenAIRE

    Siwapong Dheera-aumpon

    2017-01-01

    Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural...

  10. Small banks and local economic development

    OpenAIRE

    Hakenes , Hendrik; Hasan, Iftekhar; Molyneux, Phil; Xie , Ru

    2014-01-01

    This article discusses the effects of small banks on economic growth. We first theoretically show that small banks operating at a regional level can spur local economic growth. As compared with big interregional banks, small regional banks are more effective in promoting local economic growth, especially in regions with lower initial endowments and severe credit rationing. We then test the model predictions using a sample of German banks and corresponding regional statistics. We find that sma...

  11. Financial stability of banking system in China

    OpenAIRE

    Jiang, B

    2014-01-01

    This thesis aims at investigating the financial stability of China's banking system. Since the banking system is one of the most important financial intermediaries in the financial systems, the financial soundness of banks could secure the stability of the whole financial system. Two of the factors that may significantly increase imbalance of the banking system, and hence affect financial stability of an economy is the accumulated non-performing loans of banks and the macro-economic turbulenc...

  12. Urban Cooperative Banks :At CrossRoads

    OpenAIRE

    Nagarajapillai, Ramu

    2008-01-01

    Urban Cooperative Bank in India, with their long history of over 100 years, play an important role in financial inclusion. The mainstay of these banks was rooted in their captive clientele the forms of shareholders, and also in some cases specific community or location. This shielded them from the competition from large commercial banks. Recently, Indian banking industry has witnessed failure of a large number of Urban Cooperative banks. What are the reasons for these failures and what lays a...

  13. Customer Satisfaction and Islamic Banking in Pakistan

    OpenAIRE

    Fouzia Ali; Hassan Raziq; Abdul Aleem; Shahrukh Latif; M.Arslan; Arsalan Shah Muhammad

    2011-01-01

    Purpose-The purpose of this research study is to focus on the customer satisfaction towards Islamic banking in Pakistan based on the different factors including service quality, product quality offered by Islamic banks, customer care level of Islamic banks, financial benefits given to its customers, competition with conventional banks, religion and market reputation. Methodology- This study will help to understand the level of satisfaction of customers regarding Islamic Banks. In this study d...

  14. Islamic Banking in Pakistan: A Critical Analysis

    OpenAIRE

    Shaikh, Salman

    2012-01-01

    Islamic banking in Pakistan has completed one decade of operations in Pakistan and now there are 5 full-fledged Islamic banks and more than 15 conventional banks with Islamic banking windows. Due to the consistent double digit growth in total assets, the market share had steadily risen to 7% by the end of 2011. However, meaningful assessment of Islamic banking requires looking at how far they have contributed to uphold Islamic principles, values and bringing about or at least working towards ...

  15. Balancing the Regulation and Taxing of Banking

    OpenAIRE

    Mullineux, Andrew; Chaudhry, S.M.; Agarwal, N.

    2015-01-01

    This study gives an overview of bank taxation as an alternative to prudential regulations or non-revenue taxation. We review existing bank taxation with a view to eliminating distortions in the tax system, which have incentivized banks to engage in risky activities in the past. We furthermore analyze taxation of financial instruments trading and taxation of banking products and services and their ability to finance resolution mechanisms for banks and to ensure their stability. In this respect...

  16. The Golosyiv plate archive digitisation

    Science.gov (United States)

    Sergeeva, T. P.; Sergeev, A. V.; Pakuliak, L. K.; Yatsenko, A. I.

    2007-08-01

    The plate archive of the Main Astronomical Observatory of the National Academy of Sciences of Ukraine (Golosyiv, Kyiv) includes about 85 000 plates which have been taken in various observational projects during 1950-2005. Among them are about 25 000 of direct northern sky area plates and more than 600 000 plates containing stellar, planetary and active solar formations spectra. Direct plates have a limiting magnitude of 14.0-16.0 mag. Since 2002 we have been organising the storage, safeguarding, cataloguing and digitization of the plate archive. The very initial task was to create the automated system for detection of astronomical objects and phenomena, search of optical counterparts in the directions of gamma-ray bursts, research of long period, flare and other variable stars, search and rediscovery of asteroids, comets and other Solar System bodies to improve the elements of their orbits, informational support of CCD observations and space projects, etc. To provide higher efficiency of this work we have prepared computer readable catalogues and database for 250 000 direct wide field plates. Now the catalogues have been adapted to Wide Field Plate Database (WFPDB) format and integrated into this world database. The next step will be adaptation of our catalogues, database and images to standards of the IVOA. Some magnitude and positional accuracy estimations for Golosyiv archive plates have been done. The photometric characteristics of the images of NGC 6913 cluster stars on two plates of the Golosyiv's double wide angle astrograph have been determined. Very good conformity of the photometric characteristics obtained with external accuracies of 0.13 and 0.15 mag. has been found. The investigation of positional accuracy have been made with A3± format fixed bed scanner (Microtek ScanMaker 9800XL TMA). It shows that the scanner has non-detectable systematic errors on the X-axis, and errors of ± 15 μm on the Y-axis. The final positional errors are about ± 2 μm (

  17. Indonesian Landforms and Plate Tectonics

    Directory of Open Access Journals (Sweden)

    Herman Th. Verstappen

    2014-06-01

    Full Text Available DOI: 10.17014/ijog.v5i3.103The horizontal configuration and vertical dimension of the landforms occurring in the tectonically unstable parts of Indonesia were resulted in the first place from plate tectonics. Most of them date from the Quaternary and endogenous forces are ongoing. Three major plates – the northward moving Indo-Australian Plate, the south-eastward moving SE-Asian Plate and the westward moving Pacific Plate - meet at a plate triple-junction situated in the south of New Guinea’s Bird’s Head. The narrow North-Moluccan plate is interposed between the Asia and Pacific. It tapers out northward in the Philippine Mobile Belt and is gradually disappearing. The greatest relief amplitudes occur near the plate boundaries: deep ocean trenches are associated with subduction zones and mountain ranges with collision belts. The landforms of the more stable areas of the plates date back to a more remote past and, where emerged, have a more subdued relief that is in the first place related to the resistance of the rocks to humid tropical weathering Rising mountain ranges and emerging island arcs are subjected to rapid humid-tropical river erosions and mass movements. The erosion products accumulate in adjacent sedimentary basins where their increasing weight causes subsidence by gravity and isostatic compensations. Living and raised coral reefs, volcanoes, and fault scarps are important geomorphic indicators of active plate tectonics. Compartmental faults may strongly affect island arcs stretching perpendicular to the plate movement. This is the case on Java. Transcurrent faults and related pull-apart basins are a leading factor where plates meet at an angle, such as on Sumatra. The most complicated situation exists near the triple-junction and in the Moluccas. Modern research methods, such as GPS measurements of plate movements and absolute dating of volcanic outbursts and raised coral reefs are important tools. The mega-landforms resulting

  18. Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs in the Indian Banking Sector

    Directory of Open Access Journals (Sweden)

    Memdani Laila

    2017-08-01

    Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.

  19. Stability of Plates and Plated Structures - General Report

    Czech Academy of Sciences Publication Activity Database

    Maquoi, R.; Škaloud, Miroslav

    2000-01-01

    Roč. 55, 1-3 (2000), s. 45-68 ISSN 0143-974X. [Stability and Ductility of Steel Structures . Timisoara, 09.09.1999-11.09.1999] R&D Projects: GA ČR GA103/97/0002; GA AV ČR IAA2071701 Keywords : stability * plates * plated structures * web breathing * design Subject RIV: JM - Building Engineering Impact factor: 0.418, year: 2000

  20. Plating on stainless steel alloys

    International Nuclear Information System (INIS)

    Dini, J.W.; Johnson, H.R.

    1981-01-01

    Quantitative adhesion data are presented for a variety of electroplated stainless steel type alloys. Results show that excellent adhesion can be obtained by using a Wood's nickel strike or a sulfamate nickel strike prior to final plating. Specimens plated after Wood's nickel striking failed in the deposit rather than at the interface between the substrate and the coating. Flyer plate quantitative tests showed that use of anodic treatment in sulfuric acid prior to Wood's nickel striking even further improved adhesion. In contrast activation of stainless steels by immersion or cathodic treatment in hydrochloric acid resulted in very reduced bond strengths with failure always occurring at the interface between the coating and substrate

  1. Pattern Analysis On Banking Dataset

    Directory of Open Access Journals (Sweden)

    Amritpal Singh

    2015-06-01

    Full Text Available Abstract Everyday refinement and development of technology has led to an increase in the competition between the Tech companies and their going out of way to crack the system andbreak down. Thus providing Data mining a strategically and security-wise important area for many business organizations including banking sector. It allows the analyzes of important information in the data warehouse and assists the banks to look for obscure patterns in a group and discover unknown relationship in the data.Banking systems needs to process ample amount of data on daily basis related to customer information their credit card details limit and collateral details transaction details risk profiles Anti Money Laundering related information trade finance data. Thousands of decisionsbased on the related data are taken in a bank daily. This paper analyzes the banking dataset in the weka environment for the detection of interesting patterns based on its applications ofcustomer acquisition customer retention management and marketing and management of risk fraudulence detections.

  2. Blood banking services in India.

    Science.gov (United States)

    Sardana, V N

    1996-01-01

    India's health care sector has made impressive strides toward providing health for all by the year 2000. That progress, however, has not been supported by a modern transfusion services network which continues to improve itself. In India, blood collection, storage, and delivery occur mainly in blood banks attached to hospitals, most of which are under central and state government controls. A significant portion of blood banking activity is also done by voluntary agencies and private sector blood banks. A study found the blood transfusion services infrastructure to be highly decentralized and lacking of many critical resources; an overall shortage of blood, especially from volunteer donors; limited and erratic testing facilities; an extremely limited blood component production/availability/use; and a shortage of health care professionals in the field of transfusion services. Infrastructural modernization and the technical upgrading of skills in the blood banks would, however, provide India with a dynamic transfusion services network. The safety of blood transfusion, the national blood safety program, HIV testing facilities, modernization of blood banks, the rational use of blood, program management, manpower development, the legal framework, voluntary blood donation, and a 1996 Supreme Court judgement on the need to focus greater attention upon the blood program are discussed.

  3. 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...

  4. 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...

  5. Measuring commercial bank efficiency : use and misuse of bank operating ratios

    OpenAIRE

    Vittas, Dimitri

    1991-01-01

    Measuring bank efficiency is difficult because there is no satisfactory definition of bank output. Neither the number of accounts nor total assets, total loans, nor total deposits provide a good index of output. Moreover, the value added of banks - given by their labor costs and profits - measures both the output and cost of banking. Many analysts use accounting data on bank margins, costs and profits as measures of bank efficiency. But the usefulness of such data is undermined by substantial...

  6. OPERATIONAL RISK DISCLOSURE IN ROMANIAN COMMERCIAL BANKS

    Directory of Open Access Journals (Sweden)

    HERGHILIGIU Roxana

    2013-12-01

    Full Text Available This paper aims to assess the actual operational risk disclosure in Romanian banks. Therefore we focus on the operational risk information that Romanian banks reveal and if they conform to the requirements of the National Bank of Romania. The study methodology consists in testing the annual financial reports for Romanian commercial banks. The analysis shows that the financial reports of Romanian banks are not in consonance with the requirements of the National Bank of Romania relating to operational risk revealer and also there are many discrepancies between Romanian banks relating to the format of the financial report, which presents the operational risk disclosures. Commercial banks in Romania have different approaches of showing the disclosures of operational risk. Accordingly, they do not disclose the same types of information. Our study advice Romanian commercial banks to increase prevailing operational risk disclosure proceedings. The contribution of this paper is to highlight the Romanian commercial approaches of the operational risk disclosures.

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

  8. The multigap resistive plate chamber

    Energy Technology Data Exchange (ETDEWEB)

    Zeballos, E. Cerron [European Organization for Nuclear Research (CERN), Geneva (Switzerland); World Lab., Lausanne (Switzerland); Crotty, I. [European Organization for Nuclear Research (CERN), Geneva (Switzerland); Hatzifotiadou, D. [European Organization for Nuclear Research (CERN), Geneva (Switzerland); World Lab., Lausanne (Switzerland); Valverde, J. Lamas [European Organization for Nuclear Research (CERN), Geneva (Switzerland); World Lab., Lausanne (Switzerland); Univ. Louis Pasteur, Strasbourg (France); Neupane, S. [European Organization for Nuclear Research (CERN), Geneva (Switzerland); World Lab., Lausanne (Switzerland); Williams, M. C. S. [European Organization for Nuclear Research (CERN), Geneva (Switzerland); Zichichi, A. [Univ. of Bologna, Bologna (Italy)

    2015-02-03

    The paper describes the multigap resistive plate chamber (RPC). This is a variant of the wide gap RPC. However it has much improved time resolution, while keeping all the other advantages of the wide gap RPC design.

  9. MyPlate Daily Checklist

    Science.gov (United States)

    ... Price Tag Read the Food Label Kitchen Timesavers Cooking for Your Family Tasty & Low-Cost Recipes Sample 2-Week Menus Resources for Professionals MyPlate Tip Sheets Print Materials Infographics 5 Ways ...

  10. Plate shell structures of glass

    DEFF Research Database (Denmark)

    Bagger, Anne

    to their curved shape. A plate shell structure maintains a high stiffness-to-weight ratio, while facilitating the use of plane structural elements. The study focuses on using laminated glass panes for the load bearing facets. Various methods of generating a plate shell geometry are suggested. Together with Ghent......, such as facet size, imperfections, and connection characteristics. The critical load is compared to that of a similar, but smoothly curved, shell structure. Based on the investigations throughout the study, a set of guidelines for the structural design of plate shells of glass is proposed.......This thesis is a study of plate shell structures -- a type of shell structure with a piecewise plane geometry, organized so that the load bearing system is constituted by distributed in-plane forces in the facets. The high stiffness-to-weight ratio of smoothly curved shell structures is mainly due...

  11. License plate recognition (phase B).

    Science.gov (United States)

    2010-06-01

    License Plate Recognition (LPR) technology has been used for off-line automobile enforcement purposes. The technology has seen mixed success with correct reading rate as high as 60 to 80% depending on the specific application and environment. This li...

  12. Armor Plate Surface Roughness Measurements

    National Research Council Canada - National Science Library

    Stanton, Brian; Coburn, William; Pizzillo, Thomas J

    2005-01-01

    ...., surface texture and coatings) that could become important at high frequency. We measure waviness and roughness of various plates to know the parameter range for smooth aluminum and rolled homogenous armor (RHA...

  13. Simple radiography by Imaging Plate

    Energy Technology Data Exchange (ETDEWEB)

    Takata, Shigeru; Koyama, Motoko; Tanizaki, Yoshiyuki [Tokyo Metropolitan Industrial Technology Research Insitute, Tokyo (Japan)

    1998-12-31

    Photo-stimulable phosphor is a material which emits luminescence by incitement of light. As useful photo-stimulable phosphor, alkali halide, like BaFBr: Eu, II - VI compound, like SrS: Eu and oxide, such as Al{sub 2}O{sub 3}: Care reported at present. Imaging Plate is a popular name of products, which is composed of thin layer of the phosphor fixed plastic plate. Photo-stimulable luminescence of Imaging Plate is emitted by scanning with narrow beam of incitement light. The light of luminescence is separated from incitement light by filter and it`s intensity is measured. The intensity of luminescence is proportional to absorbed dose of Imaging Plate from incident radiation. The map of luminescence intensity makes radiation image like radiograph taken by X-ray film. Reusability and usability of digital image are another advantage. The problem to solve of Imaging Plate are less resolution than X-ray film, expensive reading instrument and fading, which means decrease of luminescence intensity depend on elapse time after irradiation. High sensitivity of Imaging Plate makes possible of simple radiography by small radiation source. In Japanese law, sealed radioisotopes source less than 3.7 MBq can use without permission and register. If radiograph can be taken by sealed source less than 3.7 MBq, application of radiography is widely developed. So we try to take radiographs of some objects using Imaging Plate and sealed radioisotope sources under 3.7 MBq. As the result, useful radiographs are taken under conditions that exposure time is more than a few hours and distance between the source and the Plate is less than 30 cm. Quality of the image is poor than general radiograph by large radiation source. But the simple radiography taken by small source is of great value. (J.P.N.)

  14. Pulse plating of nickel deposits

    Energy Technology Data Exchange (ETDEWEB)

    Stimetz, C.J.; Stevenson, M.F.

    1980-02-01

    Pulse plated and conventional nickel deposits have been compared for differences in morphology, mechanical properties, and microstructure. The deposits were obtained from nickel sulfamate, nickel chloride, and Watts nickel plating solutions. No significant differences were found in the direct and pulse current deposits from the sulfamate and chloride solutions; however, significant differences in microstructure, yield strength, and microhardness were observed in deposits from the Watts nickel solution.

  15. Predicting PTSD following bank robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Elklit, Ask

    Each year, numerous bank robberies take place worldwide. Even so, only few studies have investigated the psychological sequelae of bank robbery and little is known about the risk factors associated with the development of posttraumatic stress disorder (PTSD) following this potentially traumatic...... event. Knowledge about risk factors related to PTSD may allow for preventive measures to be taken against the development of PTSD and reduce the large cost associated with the disorder. We investigated multiple predictors of PTSD severity in a highly representative Danish cohort study of bank employees...... exposed to robbery (N = 371, response rate = 73 %, dropout rate = 18 %). The results of a hierarchical regression analysis showed that 51 % of the variance in PTSD severity could be explained with only peritraumatic dissociation, acute stress disorder (ASD) severity, and negative cognitions about self...

  16. Materials compatibility information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1977-01-01

    A major concern in the design of weapons systems is the compatibility of the materials used with each other and with the enclosed environment. Usually these systems require long term storage with a high reliability for proper function at the end of this storage period. Materials selection is then based on both past experience and laboratory accelerated aging experiments to assure this long term reliability. To assist in the task of materials selection a computerized materials compatibility data bank is being established. This data bank will provide a source of annotated information and references to personnel and documents for both the designer and materials engineer to draw on for guidance in materials selection. The data bank storage and information retrieval philosophy will be discussed and procedures for information gathering outlined. Examples of data entries and search routines will be presented to demonstrate the usefulness and versatility of the proposed system

  17. Success is in the bank

    Science.gov (United States)

    de Vincent-Humphreys, Rupert

    2008-05-01

    As the nation's central bank, the Bank of England is committed to promoting and maintaining monetary and financial stability. Broadly speaking, this means that it sets the interest rate at a level such that the economy should meet the UK government's 2% inflation target in the medium term, and it analyses the financial system to identify and reduce systemic risks to the country's financial infrastructure. The Bank also performs several other critical functions, including managing the approximately £42bn worth of banknotes in circulation and managing the nation's foreign-currency reserves - a multicurrency fund worth some £23bn. As a physicist, I find that I can make a full contribution to this work.

  18. 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...

  19. Promotional activities of banks in Serbia

    Directory of Open Access Journals (Sweden)

    Zelenović Vera

    2008-01-01

    Full Text Available The paper is focused on banking sector in Serbia, particulary on promotional activities of banks in public and on media. The authors of paper tried to find cause and effect relationship between business success and working quality on the one hand and investment in promotion activities of bank on the other hand, like important instrument of bank's business policy realization. Promotional activities appear like successful instrument in order to increase satisfaction of the bank's clients, which effect the increase of successfulness of banks' business.

  20. Banking beyond banks and money a guide to banking services in the twenty-first century

    CERN Document Server

    Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

    2016-01-01

    Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...

  1. What about the multilateral banks?

    International Nuclear Information System (INIS)

    Planas Alexandra

    1998-02-01

    The role the World Bank and the Inter-American Development Bank are regarding the climate change problem is, in the same way as the international negotiations, pretty weak compared to the magnitude of the problem. The contradictions within these organizations concerning project financing and policies and strategies to support their clients in a sustainable energy path constitute a clear example of the ambiguities that still surrounds the position of the different countries in respect to the human induced global warming problem. Finally, we can see how the different countries and the new market conditions determine the role these organizations can play regarding the climate change problem

  2. Q-bank phytoplasma database

    DEFF Research Database (Denmark)

    Contaldo, Nicoletta; Bertaccini, Assunta; Nicolaisen, Mogens

    2014-01-01

    The setting of the Q-Bank database free available on line for quarantine phytoplasma and also for general phytoplasma identification is described. The tool was developed in the frame of the EU-FP7 project Qbol and is linked with a new project Q-collect in order to made widely available the identi......The setting of the Q-Bank database free available on line for quarantine phytoplasma and also for general phytoplasma identification is described. The tool was developed in the frame of the EU-FP7 project Qbol and is linked with a new project Q-collect in order to made widely available...

  3. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...... of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings...

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

    African Journals Online (AJOL)

    The announcement by the Central Bank of Nigeria (CBN) that “CBN is in talks; in efforts to explore the possible adoption of sukuk (Islamic) bonds for financing the infrastructural requirements in Nigeria” has generated a raging argument forand against the proposal. Basically, Nigeria is a Secular State thus; CBN is not ...

  5. 78 FR 20919 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-08

    ... the Citizens Bank and Trust, both in Jackson, Kentucky, and Farmers Deposit Bank, Middleburg, Kentucky.... Board of Governors of the Federal Reserve System, April 3, 2013. Michael J. Lewandowski, Assistant...

  6. The Banks Rating Analysis The Differences Between The Regional Development Banks And Non-Foreign Exchange Commercial Banks In Indonesia

    Directory of Open Access Journals (Sweden)

    Dr. Irwan Ch

    2017-06-01

    Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.

  7. 77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-02

    ... may express their views in writing to the Reserve Bank indicated for that notice or to the offices of... American Metro Bancorp, Inc., and thereby indirectly acquire control of American Metro Bank, both in...

  8. The Effect of Foreign Bank Presence on Domestic Banks Performance: An Evidence from a Developing Economy

    Directory of Open Access Journals (Sweden)

    Usman Bashir

    2014-04-01

    Full Text Available This study examines the effect of foreign bank presence on the behaviour of domestic banks by using the annual data of 37 commercial banks comprising of 7 foreign and 30 domestic banks for the time period of 2007 to 2011. We investigated how net interest margin, return on assets, overhead costs, cost to income and nonperforming loans are effected by the foreign bank presence. We have used panel regression analysis employing bank specific fixed effect model. As a developing country case, the results suggest that the increase in foreign bank share effects the interest margins and profitability of domestic banks in a decreasing manner. It wouldn't be erroneous to express that foreign banks have a positive effect on the competitive environment of domestic banks increasing overall banking standard in Pakistan, the licensing policies should be further liberalized to let new entrants further improve the domestic financial intermediation system.

  9. KINERJA KEUANGAN BANK DAN STABILITAS MAKROEKONOMI TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Imam Mukhlis

    2017-03-01

    Full Text Available This paper investigated the determinants of the profitability of syaria banking in Indonesia for 2008-2010.The objects were Bank Muamalat, Bank Mega Syariah, Bank BNI Syariah, Bank BRI Syariah, and BankSyariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profitto total asset of the syaria bank. Meanwhile, the independent variabels were Capital Adequacy Ratio (CAR,Finance to deposit Ratio (FDR, Non Performing Finance (NPF, Inflation (INF and Economic Growth (GR.The method used to analyze in this research was panel data. The result of analysis was that CAR variable hadnegative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economicgrowth variable had positive and signficant effect to profitability of syaria banking in Indonesia for 2008-2010. The existence of economic growth effect to banking profitability showed that there was theory of growththat led to finance in Indonesian economy.

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  11. 77 FR 61606 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-10

    ... of a family control group which consists of Clayton B. Patrick; Liz S. Patrick; Clayton M. Patrick... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

  12. 78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-07

    ... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Johnson Bank as trustee, both of Racine, Wisconsin; to join the existing Johnson Family Control Group and...

  13. A retrospective comparison of four plate constructs for first metatarsophalangeal joint fusion: static plate, static plate with lag screw, locked plate, and locked plate with lag screw.

    Science.gov (United States)

    Hyer, Christopher F; Scott, Ryan T; Swiatek, Michael

    2012-01-01

    The primary treatment for progressive first metatarsophalangeal (MTP) joint arthritis is arthrodesis. Multiple fixation types have been used to accomplish fusion including plating. There have been no published articles reporting the outcomes of these 4 plate and/or screw constructs. We present our experience with 138 first MTP joint fusions using these constructs. A retrospective comparison and radiographic chart review of 132 patients (138 feet) was performed to compare different constructs in regards to successful union and time to fusion. All operations were performed by 4 fellowship-trained foot and ankle surgeons. The radiographs were independently read by 2 authors not involved in the index procedures. Radiographic fusion was determined by bridging cortices across the joint line. The mean time to union (in days) and rate of fusion were static plate: 59, 95%, static plate with lag screw: 56, 86%, locked plate: 66, 92%, and locked plate with lag screw: 53, 96%. There was not a statistically significant difference between the groups in regards to patient age, time to weight bearing, time to fusion, or rate of fusion. We report on the results of fusion comparing 4 different plate and/or screw constructs for first MTP joint fusion. The data reveal no significant difference in time to fusion or rate of fusion between static and locked plates, with or without a lag screw. Copyright © 2012 American College of Foot and Ankle Surgeons. Published by Elsevier Inc. All rights reserved.

  14. Characteristics of Managing Operational Banking Risk

    Directory of Open Access Journals (Sweden)

    Adela Socol

    2008-12-01

    Full Text Available The objective of this paper is to provide a global perspective of the operational risk from a banking societies’ viewpoint. We describe the main regulations and settlements in the field and examine the various approaches of the operational banking risk. The paper presents the need of banks to managing operational risk. We study comparatively for a banking society the capital charge for covering the operational risk under the basic indicator approach and under the standardized approach. We present a case study of implementing current capital requirements at the level of a Romanian banking society. From the theoretical approach and from the description of quantifying of operational banking risk, the results of this study insist on the importance of measuring of operational banking risk and identifies major issues that need to be considered to improve the managing operational banking risk.

  15. Regional Development and Effects of Investment Banks

    Directory of Open Access Journals (Sweden)

    İsmail Erkan Çelik

    2013-04-01

    Full Text Available The World Bank is the most important financier for international investment. The bank opens credits mostly for investment projects in developing countries. Turkey has received various investment credits since its membership to the World Bank on March 11, 1947. The credits were used for economic and social domains. Turkey has also been granted credits from the European Investment Bank (EIB. The credits received are composed of micro credits that belong to small and medium enterprises (SMEs. A regional development bank, Islamic Development Bank, has also received credits through Eximbank and Industrial Development Bank of Turkey (TSKB to finance Turkish SMEs. This paper deals with Turkish investment strategies in the framework of basic principles of investment – development banks.

  16. DAMPAK ELECTRONIC BANKING TERHADAP KINERJA PERBANKAN INDONESIA

    Directory of Open Access Journals (Sweden)

    Farah Margaretha

    2015-12-01

    Full Text Available The purpose of this research is to determine the effect of banking service to bank profitability.  A dependend variable ratio in this research is internet banking. It  is to test the effect of Return on Asset (ROA, Return on Equity (ROE, Operating Expenses towards Operating Income and Performance. Another ratio, that was used as a variable control, is asset. The method of data analysis is binary logistic regression. The object of the research is 68 banks in Indonesia. Those banks are divided into two groups, bank with and without internet banking. The result of this research shows that there is influence on internet banking service to effeciency profitability and different grouping. Finance Manager and Investor should pay attention the effect of ROA, ROE, BOPO and Asset.

  17. Methods of marketing research in banking

    OpenAIRE

    Kraevskiy, B.; Makukhina, Ya.

    2017-01-01

    The paper considers the nature of marketing research in banking activities, the main directions of marketing research in the banking sector, identified tasks that can be solved based on the methods of marketing research.

  18. Essays in Banking and Corporate Finance

    NARCIS (Netherlands)

    T. Wang (Teng)

    2015-01-01

    markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how

  19. New Economy, Old Central Banks?

    NARCIS (Netherlands)

    Berk, Jan Marc

    2002-01-01

    Proponents of the so-called New Economy claim that it entails a structural change of the economy. Such a change, in turn, would require the central bank to rethink its monetary policy to the extent that traditional relationships between inf1ation and economic growth are no longer valid. But such a

  20. Credit Policy within BRD Bank

    Directory of Open Access Journals (Sweden)

    Moraru Camelia

    2017-01-01

    It has been found that credit is indispensable to an economy, which is why the method of granting itis significant and, in this sense, the function of the bank of financial analyst plays an important rolein orienting resources towards the most efficient placements.