... Cartel Office, and in 2007, following the inquiry ofthe Spanish Competition Commission, fined several savings banks for market-sharing agreements 44 INVESTIGATING DIVERSITY INTHEBANKINGSECTORIN ... of savings banks in this study demonstrates the value of their presence in terms ofthe financial, economic and social welfare ofthe countries in which they operate INTRODUCTION The value of ... anything about it” However, there are also other considerations and other factors that had an impact on the political standing of savings banks and other DBLIs The findings ofthe retail banking inquiry...
... reminding them about their medication The messages can be sent in one of three languages and in a range of styles to ensure they not become boring Ofthe 138 patients involved inthe pilot, there ... critical in ensuring the effective use of ICTs inthe health sector Programme designs should consider the role ofthe intermediary at the same time as, if not before, the role ofthe technology The ... that ‘there has been virtually no progress in making the internet available inthe least developed countries, especially inthe rural areas’ By including the rural population inthe group of beneficiaries...
... in Vietnam has been developing rapidly in terms ofthe number of card and transaction value since the first ever credit card of Vietnam was issued by Vietcombank in 1996 By the end of 2011, there ... frauds inthe international card payment increase rapidly in 2011 The total value of fraud transactions reached one million dollars inthe first quarter ofthe year and 1.5 million dollars inthe ... defined by the rational and economic valuations of individuals The quality ofthe product and the quality of service form part of this dimension Emotional dimension is relating to feelings or internal...
... to 4.4% of men and 1.8% of women over the age of 65 [4] A two-fold increase in incidence of gout has been reported inthe USA and New Zealand over the past 30 years, while the prevalence of gout ... attacks inthe first metatarsophalangeal joint he was unaware that gout could occur in his wrist Typical presentation includes sudden onset of intense pain, redness and swelling ofthe joint Examination ... any joint including the ankle, knee, hand, wrist, elbow, sacroiliac joint and other joints ofthe spine, however most commonly occurs inthe lower extremity In this case, although the patient had...
... all ofthe expensive installation cost However, they have gradually increased the proportion ofthe installation cost sharing This is because the people were involved from the beginning ofthe installation ... because ofthe number ofthe people using latrine increased because ofthe growth ofthe people living inthe same plots than testing period This means that there is a possibility to improve the ... system In most ofthe cases, the wastewater at sampling point (inside of inlet chamber), point (inside of hydraulic chamber) and point (inside of soak pit), were found to be in solidified states In...
... source of financing for enterprises, if their own capital is excluded In summary, the deepening process ofthe financial markets has rendered the dominance ofthebankingsectorinthe financial ... relies on the securities booking system ofthe CGSDTC and the bond trading system ofthe inter-bank lending centre The trading system ofthe national inter-bank lending centre provides pricing information, ... globalization II Review of Institution Building inthe Financial Sector A Main driving forces of institution building A review ofthe developments of China’s financial sector over the past 20 years reveals...
... see the repercussions ofthe defensive behaviour of financial institutions for the financing ofthe real sectorofthe economy To the extent that firms inthe real sector are unable to obtain financing ... losses inthe early nineties, from small business lending and real-estate lending inthe second half ofthe eighties, eating these buffers up; moreover, the intensification of competition inthe financial ... Inthe stock market decline ofthe early 2000’s, the brunt ofthe burden was borne by final investors, either directly, or through the values of their holdings in pension funds and the like In...
... include: the increasing incidence of piracy; the criminalization of seafarers following marine pollution incidents; the expansion in number and tonnage of international registers; the elimination of ... reawakened interest in improving working and living conditions inthe shipping industry The Office’s programme on decent work inthe maritime industry played a major role in improving the promotion of ... all these Conventions 162 The issue ofthe education and training of workers is important to the industry inthe context ofthe shortage of certain categories of seafarers, particularly officers,...
... assets inthebankingsector are deposited in a single bad bank If one bad bank were established for each ofthe three main pillars ofthe German banking industry – i.e for the credit unions, savings ... neither the value of assets nor the amounts of hidden losses of some large banks were disclosed The comeback of trust into the business models ofthebankingsector would most likely be undermined ... on thebanking industry’s books endanger the entire financial system, a bad bank has often been the solution of choice At the end ofthe 1980s, more than 1,000 savings & loan institutions in the...
... assets ofthebanking system, it is increasing rapidly 3.7 Finally, given the need to encourage the growth ofthe Microfinance sector and the vulnerable nature ofthe borrowers inthe sector, there ... within the MFIs and without from other agencies operating inthe Microfinance sector 18.2 The agencies operating inthe Microfinance Sector can be broadly grouped in two classes namely a) The ... to the microfinance sector, which inthe aggregate exceed 10% of its total assets Areas of Concern The advent of MFIs inthe Microfinance sector appears to have resulted in a significant increase...
... with increasing funds over the last part ofthe decade Vertical programs dominated aid financing for health: inthe case of AIDS, TB, and malaria, the generous funding ofthe last years ofthe ... an increase in financing from multilateral sources and others (see Figure 4.3) The emergence ofthe GFATM as a major player inthe health sectorin Somalia and the financing from MSF explain the ... funding during the decade a ests to the program’s significant expense and the fact that increased financing at the moment of crisis resulted in sharp decline of cases The decrease in expenditures in...
... discussions inthe course of finalising the studies and provided valuable inputs to the ideas presented inthe Final Chapter.1 The UE Project held two workshops to discuss the progress ofthe case ... environment in Asian cities The last chapter summarises the findings ofthe studies and discusses the barriers and opportunities ofthe air pollution control inthe transportation sector, concluding ... economies of scale, development of supporting infrastructure, marketing, and penetration ofthe existing fleet.6 Heywood and The Air Pollution inthe Megacities of Asia (APMA) project was initiated in...
... confirmation ofthe authenticity of products This is where application of nanobarcodes incorporated into printing inks or coatings has shown the potential for use in tracing the authenticity ofthe packaged ... and China (Helmut Kaiser Consultancy, 2004) There is a large potential for growth ofthesectorin developing countries Despite the infancy of this nanofood sector, the overall size ofthe global ... focus of risk assessment would be to target the health of animals and the safety of food products (of animal origin) Inthe example of nanomaterials used for binding mycotoxins in feed ingredients...
... determined by self assessment, and to find out whether there are any significant differences in proficiency levels between managers inthe different sectors The findings will therefore be useful in ... managers inthe public and private sectors in South Africa, using a self administered questionnaire The survey was conducted among all managers of public hospitals in six ofthe nine provinces in South ... high levels of informal training in health management (around 90%) These included mentoring, in- service training and noncertified programs Bivariate analyses between the sectors and other categorical...
... proteinDNA interfaces is favourable to binding Structural analyses ofthe remaining water at the interface in protein-DNA complexes indicate that a majority of these water molecules promote binding ... hours, indicating a stable complex The integration ratio between the singlet ofthe picrate at 8.52 ppm and the aromatic protons ofthe linear dendrimer indicates that the stoichiometry ofthe complex ... inclusion ofthe amino acid’s alkyl chain into the cavity of one calixarene molecule and interaction ofthe amino acid amino group with the phosphoryl group of a second calixarene The more stable...
... indeed understanding - at many levels must be fed into the mathematics Nor should the value of facts and understanding on their own be dismissed The case for Darwin's theory of evolution by natural ... surprising, and may dwindle (either in extent or in significance) with the accumulation of more facts There seems no need for the snobbery (it is said) ofthe highly quantitative founding biologists ... Journal of Biology 2009, Volume 8, Article 34 mathematics; indeed Lewis argues cogently that the behavior ofthe Hes/her oscillator alone is beyond the reach of simple intuition Moreover the biological...
... makers There were no significant changes in personnel during the sample period, and both the head ofthe QCR section and the director of audits reviewed the findings of each QCR Further, the section ... quality among these firms is of interest to regulators, professional groups, managers of governmental units, and to CPAs active inthe public sectorThe ability of existing theories to explain audit ... "except in extreme cases, the problem of maintaining independence must rest with the individual practitioner Occasionally, of course, infringement will be so flagrant that it will come to the attention...
... essentil Within the scof>e of this thesis, we studx the application of competency framework in supporting the training for civil servants in order to serx'e the Public Administration Reform inthe District ... recruitment, planning, training, training, evaluation or compensation is essentil Within the scope of this thesis, we study the application of competency framework in supporting the training for cixil ... experience in conducting in- house training courses Lack of expertise to design training programs Balancing time for working and lime for training Figure 10: Barriers of training for civil servants in...
... Page INTRODUCTION The necessity ofthe research topic: The focus of expansion and development ofthe retail sector will be the decisive factor affecting the leading role of commercial banks inthe ... This is an inevitable trend ofthebankingsectorin Vietnam when the international economic integration is more intensive and competitive, the utility needs of people are the increasingly diverse, ... as the framework for the expansion of electronic banking, as well as the well being ofbanking activities in general Although there are many significant improvements in completing the system of...