... P-values in parentheses 6.2 Competition and the bank interest-rate pass- through As a first investigation into the impact of competition on the bank interest rate pass- through, we analyse the effect ... period These banks have to recoup the costs of their options which may reduce the speed of the interest rate passthrough for outstanding clients Sander and Kleimeier (2002, 2004) differ from others ... for all the bank and market interest rate series used The IPS test on the null hypothesis of a unit root cannot be rejected at the 5% significance level for either the bank rates or the market...
... cost of the breaking collusive pricing arrangements of banks The empirical literature on the interest rate passthrough can be divided in to two groups based on the type of the data used The first ... the degree of short term passthrough is mainly related with the factors like the level of concentration in the banking system, inflation, volatility of money market rate and bank costs Thesecond ... appreciation of the lira would not be enough to precipitate the 2000-2001 crises They provide a plenty of evidence regarding the risk accumulation in the banking system in the period preceding the crisis:...
... summarises the pass- through process since the introduction of the euro and compares the results based on the EMU sample with the estimated pre-EMU coefficients The table confirms the main findings ... 1999, confirm these findings Thesecond conclusion is that the empirical results suggest a quicker retail interest rate pass- through process since the introduction of the euro The mean adjustment ... purchase has increased since the introduction of the euro by around 15 percentage points Looking at the pass- through during the first year, the results suggest a quicker pass- through of changes in market...
... heterogeneity in the pass- through process Owing to the importance of banks in the euro area financial system and their role in the transmission of monetary policy, the bank interest rate pass- through ... that the interest rate pass- through is heterogeneous between the euro area countries and that there are structural breaks in the passthrough process occurring before the introduction of the euro ... across the various bank products Interestingly, we find that there seems to be a positive relationship between the maturity and the completeness of the pass- through, as the long-run pass- through...
... as the margin that a bank locks in between the charged loan rate and the marginal cost of funding Furthermore, the adjustment speed of product rates as well as the short- and long-term pass- through ... Section presents the main results, which are validated in the following robustness section The final section concludes the paper 5HODWHG /LWHUDWXUH The estimation of interest rate pass- through models ... Thus, many studies focus on the estimation of certain pass- through parameters that describe the interest-setting behavior of banks (i.e., the final results of pass- through models, such as interest...
... submersion π : E → X The members of the family are then the fibers Ex of π The vertical tangent bundle of such a family is the vector bundle T π E → E whose fiber at z ∈ E is the kernel of the differential ... where the source of π ψ is the disjoint union of the sources of π and ψ (See the remark just below.) To make the monoid structure explicit in the case of the target, we introduce hW ∨ hW and the ... We have already said it in the cases where Yj = Yj ; in the other cases we say Aj,z := Aj,z The proof of thesecond half of Proposition 4.10 goes like the proof of the first half, except for one...
... groups of spheres, which is the Hopf map η at the prime and the class α1 in thestable (2p − 3)-stem for odd primes At the prime the Hopf map η is the reason that the mod-2 Moore spectrum fails ... models The new ingredients for the odd-primary case are roughly the following The arguments of [Sch] reduce the problem at each prime p to a property of the first nonzero p-torsion class in thestable ... model structure The point of the rigidity theorem is that its hypotheses only refer to relatively little structure on thestable homotopy category, namely the suspension functor and the class of...
... Since the harvesting operations in the study area generally took place every 10 years, this was the time period or range of the projection intervals adopted in the model As for the dimension, the ... The starting hypotheses for the model were the following: (a) the forest is in a steady state; (b) the diameter growth curves for each Quality I to III along the 180 years of the study are defined ... [27, 40], the main characteristics of matrix models, for 35 woody species in the first and for 37 plant species (13 of them trees) in the second, were summarized None of them was Fagus, but the variation...
... established therapies For example, the timing or mode of delivery of antimicrobial therapy together with other efforts to augment host defence [4] may turn out to be crucially important The finding ... antibiotic therapy [23], may explain some of the adverse events that occur on using these agents [24] The indiscriminate use of antimicrobials may also critically change the type of lipid A to which the ... intracellular events such as the recruitment of the adapter protein, MyD88 Such strategies will unfortunately suffer from the relatively late presentation of patients to the intensive care unit,...
... follow-up It was hypothesized that patients seek care when their symptoms are at a peak, and that they therefore will improve in the subsequent period This hypothesis was supported by the fact that ... California, USA Patients During a four month period from the 19th of February to the 18th of June 2008, 110 patients gave their consent to participate and 101 answered the first text message From these ... the most frequent answer was seven days with LBP the preceding week at the first follow-up, and at the end of follow-up the most frequent response was no days with LBP the preceding week At the...
... involved in patient safety We adopted a national perspective, the goal of which was to assess the progress of the AHRQ initiative and the activities of other federal agencies in the context of the larger ... to synthesize them in ways that make the information accessible to various end users These include the scientific community, which will use the results for updating the body of evidence on patient ... as the challenge grants funded in FY 2003, thePatient Safety Improvement Corps (PSIC), and other patient safety partnering initiatives The separation of health-IT projects and the PSIs into other...
... has the lead responsibility for awarding and managing the health IT grants The two centers are also working together on the new ambulatory care patient- safety program At the start of thepatient ... engaged As the innovation matures, adoption then levels off After five years of thepatient safety initiative, the United States stands at the threshold of the upward moving portion of the curve ... enter the survey data into the national data repository The survey also provides baseline data for the evaluation of thepatient safety initiative It is planned to conduct the survey a second...
... as the disease progresses, there may be residual deficits that accumulate over time Exacerbations can last days to weeks to months The longer a patient has MS, the greater the chance that the ... for managing both the MS disease p rocess and ssociated conditions, and to discuss these a approaches in the context of the aging MS patient An Overview of MS in Aging The hallmarks of MS ... evaluated these diseasem odifying agents have studied patients with a mean age of 34–47, and have followed these patients for only a few years Very little work has examined the effects of these...
... are persuasive to thepatient For more discussion, see DiMarco, et al (1995) other parts of the system—i.e., the user interface for the clinician, the software interface to the online medical-records ... question, neither from the system nor the clinician The writer must therefore always consider what the default action should be when some characteristic of the reader is unknown The default could ... which is mentioned in some other sentence The other elements in the list represent the other two references in the sentence, i.e., to high blood cholesterol levels and to the risk of heart disease...
... between the three parties Standardized postoperative clinical pathways were utilized throughout the time period of this study Continuous passive motion was initiated in the post-anesthesia care ... need for implant revision, and/or the need for further operative treatment of the knee) Reasons for further surgery in the bilateral group included Table 1: Patient and Operative Data Characteristic ... in the unilateral patient group (n = 30, 20.3% vs n = 19, 12.6%, P = 0.07) The mean follow-up was 14.9 months for the unilateral group and 15.1 months for the bilateral group Functionally, the...
... method The most substantial difference was in Cronbach's alpha, with thesecond method having a higher value (0.87 vs 0.72) Given the higher reliability of thesecond method, we report the findings ... The range for the CSS was 44 to 100 The percentage of subjects scoring at the floor was 1% for all subscales and composite scores Among the subscales, the percentages of subjects scoring at the ... 11 Hearburn/acid reflux bother 12 Other stomach upset bother 13 Any other side effect bother 14 Heartburn/acid reflux freqency 15 Other stomach upset frequency 16 Any other side effect frequency...
... than the precision The CCQ scores of the patients were within the limits of the MCID of the scores of the treating clinician in 62% and the mean score of the reviewing clinicians in 63% The proportion ... http://www.hqlo.com/content/8/1/135 pulmonary diseases The clinicians were instructed to complete the CCQ of a patientthe way they thought thepatient should have rated the CCQ, based on thepatient characteristics and ... from the origin than the total score, where the functional status and mental state have the largest deviation The Shapiro-Wilk normality test revealed that the total scores of the patients, the...
... both the influence of these personality variables and the influence of the physician -patient relationship on the HRQOL of CHD patients after rehabilitation Of the studies mentioned above, only the ... mainly due to the doctor facilitation scale of the PICS: patients who experienced the physician as a provider who attempted to include thepatient in the treatment (e.g asked thepatient for consent; ... by thepatient correlate with the HRQOL after rehabilitation Through statistical controlling for HRQOL at the beginning of rehabilitation, it is examined whether the personality traits and the...
... wait in the reception room unless the CHAPTER THE FEMALE PATIENT 11 patient (not the parent) insists otherwise It may be difficult to obtain an accurate history from the teenager because there ... from the mesonephric CHAPTER THE FEMALE PATIENT 19 duct slightly cephalad to the cloaca to become the ureter and the metanephros or permanent kidney During the fifth through sixth weeks, the ureter ... UNDERSTANDING THEPATIENT S PERSPECTIVE Communication is the key to any healthcare provider in their vital role of caring for patients Communication is defined as the ex- CHAPTER THE FEMALE PATIENT...