the effects of market conditions and bank characteristics

... for foreign banks, they are 2.84 bps and −0.15 bps; for Landesbanks, they are 2.83 bps and 0.50 bps; and for cooperative central banks, they are 4.27 bps and 0.45 bps Thus Landesbanks and cooperative ... bps and −0.87 bps; for foreign banks, they are 0.69 bps and −0.18 bps; for Landesbanks, they are 1.48 bps and 0.53 bps, and for cooperative central banks, they are 2.82 bps and 0.51 bps Thus Landesbanks ... central banks), and 1.68% (Landesbanks) The maximum is 11.58% (a private domestic bank) These numbers illustrate how small any bank in this market is compared with the market size Landesbanks participate...

Ngày tải lên: 15/03/2014, 10:20

... high temperatureand pH accelerated hydrolysis of the AKD in water In order to study the effects of other factors on the hydrolysis kinetics, the effects of temperatureand pH on the AKD hydrolysis ... Science and Technology is accredited by the Commission Colleges and Schools to award the Master of Science and Doctor of Philosophy NOTICE on Colleges degrees of the Southern Association of AND DISCLAIMER ... stretchingband of unhydrolyzed AKD and thus can indicatethe active-AKD presentin the mixture The p peak at 1468 cm-’ indicatesthe -CH2- bendingbandof both hydrolyzedand unhydrolyzedAKD, and the value...

Ngày tải lên: 09/03/2014, 01:20

... cent The expected loss information reported by the major banks is based on the probability that borrowers will default, and the amount that the banks expect to lose in the event of default Banks’ ... as banks base their pricing on the characteristics of the individual borrower and the quality of collateral (such as commercial property or equipment) The available evidence suggests that the ... noted above, for the purposes of loan pricing, banks apply a cost to these funds While the net interest margins of the individual major banks differ, the average margin for these banks has fluctuated...

Ngày tải lên: 29/03/2014, 01:20

... my mother, father, grandmother and grandfather, who shared their love of reading and learning with me from my earliest memories In their own special ways, they each showed me that education and ... analyzed the strengths and weaknesses of bank- based and market- based financial systems When the bank- based countries of Japan and Germany achieved higher growth rates than the United States and the ... measures the density of the banking industry by the number of firms present in the market Measuring Competition and Concentration The structure-conduct-performance (SCP) framework is one of the leading...

Ngày tải lên: 03/06/2014, 00:59

... on the information available about the level of insecurity and the availability of resources ((Young et al 2005)) The route followed and the length of stay will depend on the intensity of the ... relevant to the study were also obtained and used in the analysis Theoretical framework This study is based on the theory of risk and uncertainty It utilizes the possibilities offered by the Dempster-Shafer ... closely, indicating that there is no simultaneity The Chow tests (F statistics) for all the specification confirm the goodness of fit of the model and confirm the stability of the coefficients to...

Ngày tải lên: 20/06/2014, 23:20

... ceased, the year-end height and basal diameter of each seedling planted in the field was recorded The height was the distance from the ground to the tip of the longest branch The diameter was the ... were measured and recorded Seedlings were then cut at the cotyledon scars, and the shoots and roots dried at 70 °C for days These were then weighed and the total seedling weights and shoot root ... provide L of water to each seedling as they were planted No further irrigation was provided to these, or to seedlings from the other stock types, during the remainder of the study The 1-yearold...

Ngày tải lên: 08/08/2014, 18:21

... in most of the GABAAR found in the hippocampus, and were chosen based on their relative abundance and their potentially important contributions in GABAAR function When the expression of these proteins ... significant effect on α2 expression The effects of DZ on α1, α3, and γ2 expression were the same as the effects of diltiazem on these subunits DZ sig- Gibson et al Journal of Biomedical Science 2010, ... neuronal excitability and pharmacological responsiveness after TBI These studies, therefore, support the hypotheses that TBI alters the constituent proteins of the GABAAR and that these alterations...

Ngày tải lên: 10/08/2014, 05:21

... replication level of the virus and promoting the development of AIDS in SIV-infected monkeys[17] Skowronski and others have shown that the expression of Nef in transgenic mice is associated with the development ... during the course of AIDS Hence, limited information is available regarding the contributions of Nef alone and or in combination with hyperglycemic conditions to the pathogenesis of the CNS in the ... the CNS in the context of HIV-1 infection The focus of this study was to evaluate the cytopathic effects of hyperglycemic conditions in the presence of HIV-1 Nef delivered either through HIV-1-...

Ngày tải lên: 12/08/2014, 04:20

... contributions BF, AT, JM and MD designed the study protocol and drafted the manuscript BF, AT, JM performed the animal surgery and carried out the experiments HU helped with the study design and statistical ... hemodynamics and cellular energetics in hemorrhagic shock Am J Physiol 1997, 272:H688-694 Marshall JM, Lloyd J, Mian R: The influence of vasopressin on the arterioles and venules of skeletal muscle of the ... vasopressin effects during endotoxin shock in the rat Circ Shock 1990, 30:81-95 Duling BR: The role of the resistance arteries in the control of peripheral resistance In Resistance Arteries: Structure and...

Ngày tải lên: 12/08/2014, 23:23

... inhaled and deposited in the terminal alveoli of another person The likelihood of this is a function of the concentration of droplet nuclei containing viable bacilli and the quantity of infected ... dealing with the case where the infected individuals remain in the exposed class until they either catch multiple infections or die In the steady state of the system of equations (2), we have the trivial ... , z In the former case, the initial conditions are contained in the region of attraction of P0, while in the latter, P+ Here we have q = 1, g < g+, p > p0 and b >b0 Yang and Raimundo Theoretical...

Ngày tải lên: 13/08/2014, 16:20

... together, the number of functional CD4+, CD8+ T cell and level of CTL activity in spleen and inguinal lymph node were differentially affected by the routes of administration and formulation of ... administration of non-coating EGFR DNA vaccine and the amount of CD8+ T cell tumor infiltration The effects of CD8+ T Cell- Depletion or CD4+ T Cell- De pletion on the Efficacy of Gene Gun Administration of ... Vaccines and Therapy 2009, 7:2 http://www.gvt-journal.com/content/7/1/2 Figure The presence and the therapeutic efficacy of anti-EGFR antibody in serum from the DNA vaccine group of mice The presence...

Ngày tải lên: 14/08/2014, 19:22

... the effects of ASE noise on the performance of OCDM-based LR-PON Other noise and interference such as shot noise, thermal noise, beat noise, and MAI are included in our theoretical analysis and ... layer of modern optical networks [12] The block diagram of the simulation model is shown in Fig The signal spectrums at the outputs of the modulator, encoder and decoders are also illustrated in the ... find the best location to put the EDFA in the network The rest of this paper is organized as follows In Section II, we present the architecture of an OCDM-based LR-PON The theoretical analysis of...

Ngày tải lên: 24/06/2015, 08:18

... disrupt the physical and mental health of the caregivers, but it also disrupts their quality of life (QOL) If medical institutions understand the stress experienced by their staff and their basic ... showed that the QOL was higher when the number of daily work hours was between and 10, rather than between 11 and 12, and was higher when the number of patients cared for during the day and night ... designed to examine the backgrounds and job responsibilities of these Vietnamese care attendants and explore the effects of 41 occupational stress on their QOL Methods 2.1 Study Design and Subject Selection...

Ngày tải lên: 08/08/2015, 19:23

... on the operations It affects the way a user views and manipulates the data in the database The task refers to the type of the problem such as retrieval or update and also to the difficulty of the ... separating the effect of the data model from the effect of the query language The second and the third sections review the existing researches that compare data models and query languages for the query ... the relationship between the user intentions and the meaning of the data model It is related to the distance between the semantics about real world and the meaning of constructs provided by the...

Ngày tải lên: 28/09/2015, 13:21

... to one another, and whether these policies affect the decisions of young mothers regarding pregnancy and pregnancy resolution One of the major goals of the 1996 Personal Responsibility and Work ... presenting the results of the analysis, I discuss the significance of the findings In the final chapter, I provide a summary review of the research findings and an overall assessment of the current ... LIST OF TABLES Table 2.1 The Hypothesized Main Effects of Welfare and Abortion Policy on Pregnancy, Abortion and Live Births at the Individual and State Level 29 Table 2.2 The Hypothesized...

Ngày tải lên: 01/10/2015, 16:59

... IIa, IIa/x or IIx) The MHC isoform present will dictate the speed that the fibre contracts and thereby the rate of cross bridging cycling and maximal shortening velocity of the fibre In human ... functions of each isoform, as a knockout of either of the three α isoforms leads to the death of rats and mice before or immediately following birth (Lingrel et al., 2007) Research using isoform ... conducted, and thus the individual roles of the β isoforms are unknown Under basal conditions, the β1 has a higher affinity to Na+ and lower affinity for K+ compared to β2, independent of the α isoform...

Ngày tải lên: 04/12/2015, 13:59

... goal The purpose of this paper is to add some of the missing information about the profit efficiency and market power effects of mergers We analyze data on bank megamergers of the 1980s, using the ... efficiency effects of mergers and very little research on the market power effects of bank mergers Studies of the effects of mergers on profitability ratios or equity values may confound changes in profit ... of each bank by assigning the most extreme 5% at the top and bottom of the distribution to the 95th and 5th percentage points, respectively, to further reduce the effects of random error The Me~amer~er...

Ngày tải lên: 06/03/2014, 08:21

... analysis and drafting of the manuscript SB participated in the design of the study, assisted in the recruitment of subjects, did the testing, participated in data analysis and drafting of the manuscript ... that reduced push-off force during the stance phase of the gait cycle reduces the transitional acceleration of the whole body centre of mass and may thus be responsible for the decrease in gait ... walking speed and stride length were observed over the course of the day The authors suggested that practice effects could be responsible for the observed increases over the course of the trials...

Ngày tải lên: 19/06/2014, 08:20

... and count the time for the next dosage (82.7%), 16.3% of them skip the missed dosage and take the next dosage as usual, 1.0% of them did not know what to when they missed one dosage Most of the ... during the ARV treatment, they should take the ARV times/day and that the time between the dosages is 12 hours Table 3.11 Knowledge about the side effects of ARV Knowledge about the side effects of ... cells > 500 account for the rate of 5,2% and 10,2% A number of the patients with the number of CD4 cells

Ngày tải lên: 25/07/2014, 13:57