... within the institution and also enlarge their share inthe market at the cost of the conventional, larger banking institutions with which they compete Our working hypothesis is that saving banks ... Growing from Crises The Portuguese Saving Bank Montepio Geral inthe nineteenth-century Introduction We started inthe last fall a doctoral thesis dedicated to savings banks in Portugal ... founded, in 1840, the Portuguese banking system was starting to experience a very favorable period The 1840s saw the emergence of the first Portuguese savings banks, including the CEMG (founded in...
... activity during the summer, fisheries experience limited access to the northern regions in winter because of enlarged polar ice coverage, cruise liners mainly operate inthe area during summer, ... helicopters operate on the Norwegian mainland and along its coastline They very rarely operate intheArcticIn February 2010, the LABAS database was analysed focussing on the time period between ... ambulance operations inthe Arctic, serving both Page of Norwegians and others The pressure on the limited resources is strongest in April, June, July and August Inthe future, shipping and polar adventure...
... soil seedbankThe fire helped the germination of seeds present inthe soil in contrast with the number of seeds which germinated inthe control area Inthe same way, the greatest number of germinated ... observed in this area that the germination increase continued during the second year after the fire must sent The total number of seedlings inthe burned area : 2 (16 015 seeds/m 14 648 seeds/m inthe ... higher than inthe lower layer Inthe former we found 29 468 seedlings/m and inthe latter 617 seedlings/m Whether from burned or unburned sites, seedlings inthe upper layer than inthe lower...
... ‘Factors explaining the interest rate margin inthe banking sectors of the European Union’, Journal of Banking and Finance 28, 2259-2281 Mester, L.J., and A Saunders (1995), ‘When does the prime ... that the sum of cost shares is equal to unity In other words, the value of the three inputs is equal to total costs Linear homogeneity inthe input prices requires that the three linear input ... national banking systems: specialized German governmental credit institutions, comprising mainly the major Landesbanken, are included In addition to certain public finance duties, the Landesbanken...
... important financing tool for banks in several euro area countries The yield on these instruments shot up following the Lehman Brothers failure, potentially disrupting the financing of many credit institutions ... liquidity so that the Eonia rate – the overnight interbank rate inthe euro area – moves as close as possible to the minimum bid rate on main refinancing operations (1) Inthe wake of the tensions ... non-financial sector, the spread in financing costs relative to the public sector tended to diminish In many countries, in fact, there was a decoupling of financing costs between the non-financial and...
... uncover in banking, they should be reflected inthe records of these banks The other reason to focus on New York City banks is that confining the sample to a single market, where all sample banks ... corresponding to the percent deposit rate inthe interest rate table on page of the report The passbook rate varies across the sample banks, so there is something to explain Among these banks, the ... about the survival of the traditional bank deposit, began hearings on the possibility of eliminating deposit rate ceilings The costs of these ceilings were well-documented during the hearings,...
... surface inthe public domain (IMF, 2003) Ailing savings banks often receive indemnities to remain in business rather than exit the market In addition, they may be merged with a stronger savings bank ... provide the key rationale for investigating problem institutions in these two pillars These groups of institutions together account for more than 48 percent of total assets inthe German banking industry.2 ... (1999) examine the period of banking difficulties in Italy inthe 1990s and Logan (2000) provides an overview on leading indicators for the U.K small banks crisis inthe early 1990s Problem institutions...
... surface inthe public domain (IMF, 2003) Ailing savings banks often receive indemnities to remain in business rather than exit the market In addition, they may be merged with a stronger savings bank ... provide the key rationale for investigating problem institutions in these two pillars These groups of institutions together account for more than 48 percent of total assets inthe German banking industry.2 ... (1999) examine the period of banking difficulties in Italy inthe 1990s and Logan (2000) provides an overview on leading indicators for the U.K small banks crisis inthe early 1990s Problem institutions...
... for the above said work is enclosed The sealed cover containing the schedules and the tender in original along with earnest money for Rs 10,000/= in shape of demand draft in favour of Bank of India, ... execution 22 The contractor shall examine all drawings before quoting & commencing of actual work & report to the Architect / Bank any discrepancy or omission & shortcomings inthe drawings 23 The Architect ... Labour 25 The contractor shall examine all drawings before connecting the actual work & report to the Architect/ Bank any discrepancies or omission & shortcomings inthe drawings or when they conflict...
... Required including pointing of the joints white cement and matching pigments, curing etc in all respect till the satisfaction of architect a Skirting Providing & fixing vitrified tile skirting in 600 ... mentioned inthe drawing and no deviation is permitted in this regard All wooden beading / moldings / lipping etc should be finished strictly as per the colour specified inthe respective drawings The ... per the drawing However, minor variations inthe length of counters depending on the Zonal Managers Inthe case of cash counters, the blue colour boxing is provided at the extreme ends of the...
... rigidity diminished after the introduction of the 1993 Banking Law Second, there has been a considerable fall in average rates since the end of 1992 The main reason for the fall inbank rates ... lending rates inthe case of monetary tightening Inthe second period, the only asymmetry is detected inthe response of the lending rate to a deviation inthe long run relationship between the interest ... 14 basis points inthe first period and basis points inthe second Inthe case of deposits the difference is -12 basis points inthe period of partial liberalization and vanishes inthe deregulation...
... contamination inthe gathered seedThe plants are harvested with the roots in order to Sclerotinia overwinters inthe soil as sclerotia, which germinate when soil temperatures increase inthe growing ... extreme heat during flowering can damage theseed Rain during harvest can cause seed shattering, sprouting of seeds intheseed heads, and encourage discoloration and diseases of theseed Higher ... once, instead they mature sequentially The expansion of the pappus from the beak of the seed, called feathering, signals seed cluster maturation Seed harvest may begin when 30 - 80% of seed clusters...
... reflects the changing economic mix of East End industries, their growing economic activity and, I suggest, the confidence which they had inthe savings bank to maintain their account independence ... of the area, it was the building of the docks that opened up the East End The construction of the Limehouse Basin in 1820 further established the area as a transport hub The Basin enabled the ... asking them to release information about a woman’s account and thebank refused, citing the fact that the rules forbid the giving of information about depositors and their accounts’ 32 The bank...
... Business operating results of Vietinbank Inthe recent years, the world economy is becoming more and more unstable, particularly when the banking and financial crisis inthe U.S spread to other ... and the initial investment The yearly average profit of the project during its life is the arithmetic average of the profits from the beginning until the end of the project Among projects, the ... operations of the branch is always growing, exceeding the assigned targets The branch was the especially outstanding unit in Vietinbank’s whole system 2.1.2 Business operating results of Vietinbank and...
... and Bet Horon inthe northwest; Kochav Ya’akov, Tel Zion, Geva Binyamin, and the Sha’ar Binyamin industrial area inthe northeast; Ma’ale Adummim inthe east; and Betar Illit and the Gush Etzion ... settlements and initiate building projects in them, even told Sasson that the Division intentionally violates the planning and building laws applying inthe West Bank He stated that the practice ... of the industrial sector inthe settlements is marginal Only 4,600 persons, 1.3 percent of those employed in industry in Israel, are employed in Israeli industrial areas inthe West Bank, and the...
... contributions to the financing from thebank (at ) and thebank s investors (dt ), and e b how the project’s return is shared among the entrepreneur (Rt > 0), thebank (Rt > 0) h and the investors (Rt ... households investing inthebank is limited by the two moral hazard problems: if either were to worsen, the payment to households would decrease Introducing (19) into the participation constraint (14), ... the monetary authority can set policy more moderately Short term rates only increase by 50 basis points, and the increase in inflation is 50 basis points less than inthe baseline case A banking...
... the “GARCH-inspired” specification are, just as for the asymmetric specification, rather inconclusive and unable to convincingly explain the observed change in retail bank pricing since the introduction ... following a level shift inthe yield curve, the response of retail bank rates appears smaller since the launch of the euro than before Hence the increase inthe pass-through is largely due pricing ... 2001) The main lesson of these banking structure studies is that the pricing behaviour of banks may depend on the degree of competition and contestability inthe different segments of the retail bank...
... to the tolerance interval set by the CRBP inthe inflation targeting regime The present sampling period ends in 2008:02,19 as the macroeconomic variables were influenced by the effects of the ... allow the incorporation of forward-looking components inthe structure of the economy, such as the incorporation of inflationary expectations inthe supply equation On the other hand, another ... the interbank rate.32 Note that the optimal interest rate captures the main movements of the observed interest rate However, there are some inconsistencies, especially inthe first periods For instance,...