... aggregating the seasonally adjusted national data. Eurostat carries out the seasonal adjustment ofthe data for those
countries that do not adjust their data for seasonal effects.
The weights ofthe ... Confidential
Volume ofretailtrade
% change compared with the same month ofthe previous year*
Jul-12 Aug-12 Sep-12 Oct-12 Nov-12 Dec-12
EA17
Total retailtrade -1.3 -0.7 -1.7 -2.9 ... -1.9% in the EA17 and from -1.3% to -1.0% in the
EU27.
4. Based on data adjusted for working days.
In order to reflect changes in the structure ofthe economy, the base year of all short-term...
... of Stage Three of EMU on bank pricing. First, the
importance ofthe long-term market rate in the equilibrium price ofretail bank products has often been
reduced since the introduction ofthe ... 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 in the different
segments oftheretail ... explaining the sluggishness ofretail bank
interest rates. We also show that in the cases where we cannot reject that the adjustment ofretail rates
has changed since the introduction ofthe euro,...
... \ and the end ofthe line; otherwise the shell will
interpret the first space as a parameter by itself, and then it will interpret the end of
line as the end ofthe command.
• In the C programming ... application. If the windowisalready
maximized, the middle button restores it to its previous size.
• Youcan select anycorner ofthe window, orany ofthe other edges, to change the size
of the window.
The ... down the button on the title bar,you can
move the window.
• At the left ofthe title bar there is an X logo. If you select this logo, you get a menu
of windowoperations.
• At the right of the...
... historic importance ofthe ending ofthe division of the
European continent and the need to create firm bases for the construction of
the future Europe
50
The passionate sources of personal moral ... entrusted to the World Trade Organization).
44
The first fifteen years ofthe life ofthe World Bank were dominated by recon-
struction efforts shaped by the rise ofthe Cold War and the need to ... and to the development ofthe productive
resources of all members as primary objectives of economic policy.
42
The immediate background to the founding ofthe World Bank and the IMF
were the 1930s...
... aggregate levels of funding to local government, the
distribution ofthe increases has varied with a general favouring ofthe metropolitan authorities in
the north and midlands over the southern shire ... awareness ofthe
consequences of resource shortages. Of cials
and members frequently claimed that much
of themodernisation programme was simply a
codication of some good practices, which they, ... each
of whom hold a portfolio of responsibilities. The bulk ofthe members (who all formerly sat on the
service committees) became ‘backbenchers’ sitting on newly formed scrutiny committees. The...
...
influenced by the relative weight ofthe maturities of their
components : given the positive slope ofthe yield curve
during the crisis, the greater the amounts at short maturi-
ties, the lower the average ... (forecast ofthe variable in the absence
of a shock to the market interest rate or to theretail
interest rate) ;
– the contribution of a shock to the market interest rate
(dynamic effect on theretail ... and retail bank rates in
the euro area in the Context ofthe reCent Crisis
3.2.1 Methodology
The theory suggests that there is a stable relationship
between the market interest rate and the retail...
... was the readiest way
of converting them to the principles ofthe Christian religion.
These, then, were the first forerunners in the great cause ofthe abolition ofthe Slave
Trade: nor have their ... held the reigns ofthe
government of Spain till Charles the Fifth came to the throne, for the establishment of
a regular system of commerce in the persons ofthe native Africans. The object of ... consigning to it those of another. Ximenes, therefore, may be considered as
one ofthe first great friends ofthe Africans after the partial beginning ofthe trade.
This answer ofthe cardinal, as...
... variable is constructed using
the number of all branches of each savings bank and the number of inhabitants ofthe particular
region the bank is operating in. The underlying intuition is that ... had with the savings banks at which they apply for a new loan. These
relationships comprise the existence of a current or savings account, the usage of credit or debit
cards, the amount of funds ...
We further test the null hypothesis that the error terms ofthe loan granting and the default model
are uncorrelated (i.e. discretion does not matter for screening) and reject this hypothesis...
... autocorrelation at the bank level. The
diagnostic section ofthe table reports the DD estimate as well as the p-value from the Wald test under the
H0 that the DD estimate is equal to zero. The diagnostic ... interpreted as the
effect ofthe financial crisis on the supply of loans. We observe the same level of magnitude for
the DD estimates of consumer and mortgage loans.
In Panel D of Table 4, ... adjust the
standard errors for possible autocorrelation at the state level. The diagnostic section ofthe table reports the DD estimate
as well as the p-value from the Wald test under the H0...
... making the total cost of loans lower.
Imputed family inputs were about 62 percent of total production costs in 2007. This was the
reverse ofthe expenditure pattern in Kamrieng and thus one ofthe ... drought in
the middle or end of rainy season, would be better off growing rubber rather than crops.
There is little or no discrimination against foreign investors either at the time of investment ... latex makes further
tapping uneconomic. The trees are then removed and replaced with new seedlings (Mead
2001). The older the tree, the more concentrated is the latex produced. The time comes...
...
this
is
the
role
of the
competition
theory.
Because
the
identification
theory prevents
monopolization
of
even
more
features
than
the
competition theory,
the
identification theory ...
competition
theory,
are
nonfunctional.
Applying
each
of
the
above
six
tests
to
the
three
examples confirms
the
affinity
of
these
tests
for
the
competition
theory.
Under
the
comparable ...
Accordingly,
these
six
tests
align
themselves
more
readily
with
the
competition
theory
than
with
the
identification
theory.
IV
THE
Two
TEoRIEs
OF
FUNCTIONALrIY
AND
THE
AESTHETIC
FUNGT1ONALrIY...
... improve the quality of projects appraisal.
Subjective factors
These are the internal factors ofthe Bank, the influence of these factors on the quality of
project appraisal is decisive because the ... which means they serve different
tasks, and the choice of a project does not affect the others; then they should all be accepted. In the
case of mutually exclusive, the project with the highest ... and other sources of fund, as
well as the financial health ofthe firm, the bank will address the real capital need for the project:
Loan = Aggregate investment – Equity investment – others
The...
... a
loan. GSB provides them with training. The
amount of each loan is decided on the
basis ofthe borrower’s investment need
and their ability to repay. The amount of
the first loan does not ... have sprung out of
the savings banks movement, have done a
Bringing the Hidden Giants to the
Footlight: the Role of Savings and
Retail Banks in Increasing the Level
of Access to Financial ... and the repayment capacity
of their clients, a domain where they have a
high level of expertise, while savings banks
could make use of their front and back of ce
systems for disbursing of...
... Registered Office as above.
12
Assessing the quality of investment advice in theretail banking sector
Section 2 – Key causes of poor advice
about these failings as the majority ofthe mystery ...
explained the nature of any restrictions clearly.
However, in 6% of mystery shops we had concerns with the suitability ofthe recommended product
for the length of time the customer wanted to hold the ... concerns with the quality of advice in the other quarter.
In 11% of mystery shops we felt the advice was unsuitable for the customer and in a
further 15% the adviser did not gather enough information...