200 YEARS OF SAVINGS BANKS: A STRONG AND LASTING BUSINESS MODEL FOR RESPONSIBLE, REGIONAL RETAIL BANKING pot

... inflation running high, Patrick Colquhoun, a stipendiary magistrate in London, expanded on these ideas by outlining a scheme for a National Deposit Bank for Parochial Savings managed and guaranteed ... problem for the TSB and its managers was that they lacked any experience of commercial banking and most of the capital raised at flotation, which was much in excess o...

Ngày tải lên: 29/03/2014, 08:20

... size and the existence of a quantitative target capital ratio. Second, we assumed that better capitalised savings banks may have a better capital planning and therefore tend to have a quantitative ... accordance with Orgler and Taggart (1983) and Diamond and Rajan (2000 ), for instance, the traditional trade-off theory may also hold for savings banks. According...

Ngày tải lên: 16/02/2014, 11:20

... General Employment, Social Affairs and Inclusion, with the participation of Fernando Vega from Cajasol (Banca Cívica Savings Banks, Spain), and Perrine Lantoine-Rejas from Féderation Nationale ... stating that microfinance is a savings bank tradition and an important means to stimulate social inclusion and job creation. Savings banks tailor their products in order to fin...

Ngày tải lên: 06/03/2014, 10:20

... transformation of specialized local banks into universal national banks. 6 See Hakenes and Schnabel (2005 ) for a theoretical model of the argument that regional public banks may prevent a capital drain ... the comparability of Italian and German banks over the past fifteen years. Finally, we discuss whether the Italian privatization of savings banks can be used as a...

Ngày tải lên: 22/03/2014, 21:20

... Vallant and Roland Tassler from the Austrian Savings Banks Association and Nicolas Jeanmart and Judith Ay from ESBG for sharing detailed data on savings banks in the selected countries and for ... financial system populated by a diversity of organisational forms is as significant as the merits and drawbacks of each particular form of organisation. The case for...

Ngày tải lên: 29/03/2014, 07:20

... 2008 a. 21 Data from MIX (2008 a) looking at median values of “Average Loan Balance per Borrower” and “Average Savings Account Balance” for Asia, Africa and Latin America for the year 2006 . 27 2. TOWARDS ... “Average Loan Balance per Borrower” for Latin America, Asia and Africa for the year 2005 . WSBI Latin American members: n Are large and long-established provid...

Ngày tải lên: 06/03/2014, 10:20

... 0 National Savings Or- ganization (NSO) India 154,000 0 Kenya Post Office Savings Bank Kenya 486 0 Tanzania Postal Bank Tanzania 136 0 Government Savings Bank Thailand 585 281 Total ... holding a savings account vary across savings banks, their practices are invariably more inclusive. For instance, in Benin and Burkina-Faso, postal savings banks allow people to ope...

Ngày tải lên: 06/03/2014, 10:20

... providing a warm, dry place to sleep and appropriate foodstu s for the season. However, a great deal of in-depth information was available in a range of printed literature on diet, as well as on ... (London, 2004 ), pp. 157–164. CHAPTER ONE ANIMALS IN EARLY MODERN SOCIETY AND CULTURE  e way in which animals are viewed and valued in a society depends on a range of...

Ngày tải lên: 06/03/2014, 16:20

... model. The foundations of Caixa Catalunya, Caixa Galicia and Caja Granada and BBK are among the pioneer who started at the beginning of the decade to provide microcredit to fight against financial exclusion: Caixa ... of SMEs have a banking relationship with a member institution of the Sparkassen Finanzgruppe and almost 60% of SMEs have their local savings bank a...

Ngày tải lên: 15/03/2014, 10:20

... anti- sense strand (5¢-ATGAGTTTTCCAGAGCAACTT-3¢), and siRNA was synthesized using DNA templates (sense strand, 5¢-AAATGAGTTTTCCAGAGCAACCCTGTCTC-3¢; anti- sense strand, 5¢-AAGTTGCTCTGGAAAACTCATCCTG TCTC-3¢) ... 5¢-CAATACTGTCT TTCTGGCCTTC-3¢, and that of s-DNA is 5¢-ATAGGCG GGAATTTTGCATC-3¢. Anti-TMV siRNA was synthe- sized using the DNA templates 5¢-AAGGGACGAGCA TATGTACACCCTGTCTC-3¢ and...

Ngày tải lên: 16/03/2014, 02:20