Tài liệu The Significance of German Savings Banks in regional Structural and Cohesion Policy: Can they avoid regional downward Spirals? pdf

... CIR and the operation profit) on the y-axis. The poorer a regions is, the more the regional indicator (x-axis) increases, and the more successful a savings bank, the more the savings banks indicator ... is marginal. On the other hand the coefficient representing the relationship be-tween regional wealth and interest margin of savings banks (last row in the table) is meaningful, due to the fact ... higher banking-profit realized in these regions derive indirectly from the incentives of these banks in establishing lend-ing relationships. Following modern banking theory, the meaning of good...

Tài liệu The Decline of Traditional Banking: Implications for Financial Stability and Regulatory Policy doc

... 1995terest income and therefore overstates the decline in the proﬁtability of traditional banking. Another indicator of the decline in the proﬁtability of traditional banking is the fall in the ratio of ... thatresulted in the insolvency of many large banking institu-tions. Indeed, banks loan losses in these countries as a frac-tion of GNP exceeded losses in both the banking and the savings and loans industries ... ultimatelyundermine their solvency and possibly the stability of the banking system. The challenge posed by the decline of traditionalbanking is twofold: we need to maintain the soundness of the banking...

Tài liệu The Significance of Privatization and Commercialization Trends for Women’s Health ppt

... control of these services, in the context of non-binding federal “guidelines” for the chemicalcontaminants, there would be no incentive for thoseoperators to continue to maintain low levels of the contaminants ... facilitybecause of concerns about the water source and the design of the treatment plant (Office of the Auditor The Significance of Privatization and Commercialization Trends for Women’s Health 17increasing ... Indigenous Water Commission. In terms of drinking water and wastewaterinfrastructure, the AFN favours a combination of publicfunding and local self-control and management. In thisregard, the...

Tài liệu THE MANAGEMENT OF MULTIDRUG RESISTANT TUBERCULOSIS IN SOUTH AFRICA docx

... Ciprofloxacin during the initial phase. If the dose of 800mg Ofloxacin is poorly tolerated, the dailydose can be reduced to 400mg during the continuation phase. Either can be given in single ... education and training on the transmission and pathogenesis of tuberculosis and the consequences of MDR TB;• The importance of a continuous awareness of risk situations and their avoidance should ... other anti-tuberculosisdrugs. The pharmacokinetics of Ofloxacin are better than the pharmokinetics of Ciprofloxacin but the latter isless expensive. Sparfloxacin should be avoided because of...

Tài liệu THE ROLES OF AMINO ACID CHELATES IN ANIMAL NUTRITION pdf

... SupplementControl~1000ppm1500ppmMaltase100129134177Lactase100136147157Saccharase100178163135Trehalase100113212142Cellobiose100186139121Increasing Intestinal Disaccharidase Activity in the Small 83Intestine with AminoAcidChelatesAs can beseenfrom the data in Table2, the inclusion of aminoacid chelates increased ... alsomadeall of the aminoacids in the feed except arginine,moreavailable to the chickens. Sixty-seven percent of the time, the increase in aminoacidavailabilitywassignificant.Evaluation of the ... fed50ppm,100ppm,or200ppm of aminoacid chelates (Table5) in theirfeed. Other than the inclusion of the aminoacid chelates in the feeds of the experimental groups, the pigs received the samefeedadlibitum. The feed...

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Tài liệu The Art of Creative Thinking: How to Be Innovative and Develop Great Ideas (John Adair Leadership Library) ppt

... time, and these are negative states within the kingdom of the positive. The Art of Creative Thinking94Art of Creative Thinking 1-134:Creative Thinking 3/4/07 10:37 Page 94 The negative and the ... playing, and the sun shining through stained glass The Art of Creative Thinking104Art of Creative Thinking 1-134:Creative Thinking 3/4/07 10:37 Page 104windows towards the altar – and that is the ... constellations of brain cells. There may be some sort of shaking up of the kaleidoscope, resulting in new patterns forming in the mineshafts of the mind. We just do not know. This ignorance of how the...

Tài liệu The wisdom of coaching: Essential papers in consulting psychology for a world of change pot

... ob-tain as many views as possible into the nature of the problem as well as the nature of the individual and the organization as a whole. Often the next step in the coaching process is an in- depth ... study of the individual (Tobias, 1990) as a starting point for developing an understanding of the person. The psychological study usually involves about three hours of inter-viewing, including ... understanding of some of the origins of these tendencies and was able to see how they manifested themselves in his marriage and in previous jobs. He was also able to explore some of the ways...

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Tài liệu Capital Policy of German Savings Banks – A Survey doc

... small and large savings banks. But the relevance of economies of scale in the monitoring of credits is significantly different for both groups. From the point of view of large savings banks, there ... overview of the potential determinants on the savings banks target capital ratio, ranked according to their relevance for the savings banks. 8 On the right side of the Table the means for savings ... attractiveness of debt. Therefore, the trade-off theory should be of relevance for the German savings banks as well. Marques and Santos (2004) find that the trade-off theory is the most relevant theory...

Tài liệu The Role of Community Banks in the U.S. Economy pdf

... community banks still comprise the vast majority of banks, the question arises whether their role in the banking system has declined to the point of insignificance. This sectionshows that community banks ... interest in understanding issues facing community banks. I. THE CURRENT ROLE OF COMMUNITY BANKS The banking system in the United States has always been unique in the sense of containing large ... After decliningsteadily since the mid-1980s, the number of new bank charters in the United States increased sharply during the second half of the 1990s,surpassing 200 at the end of the decade...

Tài liệu The Cost of a Military Person-Year - A Method for Computing Savings from Force Reductions pptx

... whether it would be allowable to count savings occurring later in the Applying the Calculus 95FYDP programming period as offsets against increased outlays in the beginning of the FYDP. Again, ... section). In the first year of the FYDP, this then shows a very large savings for the drawdown: $8 billion for officers and $77 billion for enlisted per-sonnel. For the remaining years, the savings include ... the advantage of allowing more precise estimates of savings to the FG from eliminating certain military positions, it comes at the cost of requir-ing more detailed data and analysis than the...

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