... RISK-TAKING BEHAVIOUR AND OWNERSHIP INTHEBANKING INDUSTRY: THE SPANISH EVIDENCE Abstract: This paper analyses the determinants of risk-taking inthe Spanish financial intermediaries ... felt inthe rest of thebanking sector and, before long, inthe economy as a whole One of the commonest forms of intervention is deposit insurance Caprio and Levine (2002) explain how deposit insurance ... or Anderson and Fraser (2000) analyse the link between managerial ownership and risk-taking Demsetz and Strahan (1997) analyse the link between size and bank risk Risk taking inthe Spanish banking...
... year prior to the merger, the beginning of the event window; at the announcement and 2½ years after the merger, the end of the event window Accounting Performance Techniques The accounting performance ... over the whole event window of the study for the acquiring banks pre- and post merger, and for the period prior to the merger for the target banks The Sharpe Ratio The Sharpe Ratio, or Sharpe Index, ... the combined firm after the acquisition Furthermore, accounting studies employ control firms in order to control for economy The accounting techniques help in accessing the firm’s liability and...
... Economist Intelligence Unit Limited 2009 Strengthening governance, risk and compliance inthebanking industry Preface Strengthening governance, risk and compliance inthebanking industry is ... layout and design Our thanks are due to all of the survey respondents and interviewees for their time and insights March 2009 Strengthening governance, risk and compliance inthebanking industry ... Economist Intelligence Unit Limited 2009 Strengthening governance, risk and compliance inthebanking industry I n absolute terms, banks have progressed farther than companies in many other industries...
... make in interpreting and applying the law (and of the laws that they are interpreting and applying), and that we can therefore identify as implicit inthe law Such an identification would be the ... focus on the law inthe books’, whilst recognising the truth inthe by now clichéd distinction between the law inthe books’ andthe law in action’: between the law as represented in statutes, ... about the structure and scope of legal justifications Here again my interest is inthe structure rather than the content of the criminal law, andin fleshing out the distinction between responsibility...
... objectives of the complainant andthe association no longer coincide, andthe complainant has every right to leave The complainant has no right to demand a change inthe rules against the will of other ... dimension andin this sense the ethical andthe moral can be seen to be closely linked to the epistemological For the working out of ethical ways of going on and living with others is intrinsically ... by the father inthe example above in terms of the competing needs and interests of such individuals and they have, as a consequence, a tendency to focus on the differences between people, the...
... understanding of these disciplines and shape the development of thinking about the theory and practice of Islamic finance, accounting and governance Edited by one of the leading writers inthe field, ... Transparency and market discipline 6 Islamic bankingand finance inthe European Union The Board is also inthe process of developing prudential and supervising standards in these areas for the purpose ... from the Islamic bankingand finance industry bearing in mind the ethics and moral fibre of the culture that these institutions refer to as the raison d’être of their existence NOTES This includes...
... Summary Introduction Remuneration inthebanking sector Introduction Salary levels inthebanking sector Remuneration inthe investment banks Remuneration practices andthebanking crisis The framework ... 2008–09 Banking Crisis: reforming corporate governance and pay inthe City Remuneration inthebanking sector Introduction Thebanking crisis has propelled the issue of remuneration practices inthe ... remuneration we conclude that thebanking crisis has exposed serious flaws and shortcomings in remuneration practices inthebanking sector and, in particular, within investment banking We found that bonus-driven...
... 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 of the retail banking inquiry suggested ... of savings banks in countries where the political stance was more in favour of privatising or abolishing INVESTIGATING DIVERSITY INTHEBANKING SECTOR IN EUROPE | this form of bankingThe overall ... Office, andin 2007, following the inquiry of the Spanish Competition Commission, fined several savings banks for market-sharing agreements 44 INVESTIGATING DIVERSITY INTHEBANKING SECTOR IN EUROPE...
... credit, interest rate risk inthebanking book, operational and other risks) and computing returns on risk weighted assets, Kuritzkes and Schuermann (2007) find that interest rate risk inthebanking ... account of credit and interest rate risk inthebanking book in a consistent fashion The way credit and interest rate risk are modelled individually is in line with standard practices The credit risk ... from the discussant and participants at the conference on the Interaction of Market and Credit Risk jointly hosted by the Basel Committee, the Bundesbank andthe Journal of Bankingand Finance...
... organizing , staffing , giving training plan, providing annual State budget and managing financial assets " Ministry of Education and Training has responsibilityand authority: Evaluating and allowing ... Evaluating and allowing the opening of the educational sectors ; prescribing curriculum for the training program ; inspecting and examining the implementation of training regulations; approving enrolment ... procedures; - Establishing and deploying the system of internal quality assurance; - Establishing, maintaining and developing the culture of autonomy and social responsibilityinthe university 1.4...
... 2012) Neither is subcontracting limited to the manufacturing sector International outsourcing inthe service industry has been growing since the 1990’s Industry surveys indicate that in 2011, ... firms where they are only big enough such that at the margin, the increase in costs due to diminishing returns of management is equal to the increase in costs incurred inthe form of the transaction ... chain grows As such, the firms inthe supply chain face an optimization problem in which they decide the best trade-off between diminishing marginal returns to in- house production andthe increasing...
... Foreign investors would lose confidence in U.S banks An Example: Continental Illinois Bank Rescuing Continental Illinois Bank Continental Illinois Bank had $3 billion in insured deposits and $30 ... unfavorable information in their public financial statements Issue a “cease and desist” order requiring the bank to stop doing things that cause financial troubles and to correct problems Impose fines ... Continental Illinois Bank: was the largest bank in Chicago was the seventh-largest bank inthe U.S had 57 offices in 14 states and 29 foreign countries An Example: Continental Illinois...
... closely with the Philippine Congress to address these matters The on-going reforms to thebanking supervision are re-shaping in a significant way the conduct of bankingandthe delivery of financial ... constrained by its Charter andthebanking law to supervising and examining only those subsidiaries and affiliates that are engaged in allied activities There is no provision for obtaining information ... financial derivatives This was followed by the guidelines on the minimum standards that banks must observe in designing and using an internal credit risk rating system for the underwriting and...
... understanding in their customers’ financial situation, credit histories and changes in their operations However, it is possible that findings and results will be the guideline not only for the further ... following: Determining the customer expectations to Agribank in Ho Chi Minh City Building up the research model to measure customer satisfaction based factors influencing to them Examining the ... satisfied when using the bank services and products The study "Customer satisfaction and service quality inthebanking industry (Agibank) in Ho Chi Minh City" is done not out of purpose and with a...
... the concept of an extensible operating system is once again gaining acceptance this time as the solution to the unconstrained growth of UNIX During the last 20 years operating systems and their ... summarizes these operations As in other Mach interfaces, these calls are implemented using IPC; the first argument to each call is the port to which the request is sent, and represents the object ... which the data should be returned To clean dirty pages, the kernel performs a pager_data_write call specifying the location inthe memory object, and including the data to be written When the data...
... use their mother tongue inthe first few lessons and then try to stop them overusing it One method is to explain briefly in English, then if necessary supply written instructions in their mother ... work and group work in language classes 50% of them saw the benefits of these activities in making class more interesting and 50% consider pairwork and groupwork helping in motivating students and ... at the same table in pair work and group work (25/30) Andthe information the teachers used in organizing pair and group work was mainly taken from the textbook (23/30), among them in cases the...
... another The grandmother held the floor most of the time from the beginning of the story in her decision where to go, in her introduction of the scenery along the journey While the father, the mother ... character and setting Technique has to with the structuring of the story into the plot so that the writer can convey the theme andthe manipulating of the language in order to express the ideas of the ... “Everything That Rises Must Converge.”, however, the differences inthe behaviors and attitudes of the grandmother, the father andthe mother andthe children at least cause discontent to one another...
... đáng tin cậy hợp lệ, tiếp tục đánh giá cần thiết Nhóm 8_Đêm 1_K20 16 Tiểu luận PPNCKH GVHD: ThS Nguyễn Hùng Phong Tài liệu tham khảo “Rethinking creativity inthe accounting profession: to be professional ... thông tin định lượng sáng tạo lĩnh vực kế toán phi kế toán Tìm thông tin thể cho yếu tố tác động đến khả sáng tạo lĩnh vực Thu thập thông tin đại diện theo số liệu mẫu để đưa thống kê đáng tin cậy ... Mumford and Connelly, 1999; Rickards and Moger, 1999b) Nhiều nghiên cứu lãnh đạo tập trung vào lãnh đạo chuyển hóa/lãnh đạo… (Bass, 1985; Bass, 1990; Bass and Avolio, 1993; Burns, 1978; Howell and...
... at two of them: a) increasing the learners' self-confidence; and b) creating learner autonomy Increasing the Learners' Self-confidence In an inherently face-threatening context, as the language ... phase inthe model; • • Maintaining and protecting motivation, which corresponds to the actional phase; Encouraging positive self-evaluation, which corresponds to the postactional phase Creating the ... share the belief of the curriculum makers that what they are being taught will come in handy In order to inspire learners to concern themselves with most learning activities, we should find out their...