... some-one uses the Internet to cause an injury in one State, the person causing the damage may be hauled into court inthe State where the injury occurred. In caseswhere the connection between the activity ... linking involves enrolling a target in dozens-sometimes hundreds-of e-maillistings.4. Spoofing is faking the e-mail sender’s identity and tricking the target recipientinto believing that the ... 17What are the key issues in intellectual property rights protection in the Internet? 18Are there international initiatives to protect intellectual property in the Internet? What Internet-specific...
... Assessing the quality of investment advice inthe retail banking sector A mystery shopping reviewFebruary 20133Assessing the quality of investment advice inthe retail bankingsector ... the customer at the beginning of their first meeting. The adviser took time to explain key information and check the customer understood it. This included the adviser making it clear that the ... other factors causing poor advice”13Assessing the quality of investment advice inthe retail bankingsector Section 2 – Key causes of poor adviceFailing to give customers the correct informationWe...
... Office, and in 2007, following the inquiry of the Spanish Competition Commission, fined several savings banks for market-sharing agreements. INVESTIGATING DIVERSITY INTHEBANKINGSECTORIN EUROPE ... relationship-based banking model led savings banks to gain substantial market shares. In addition, they are leading the main initiatives aimed at combating financial exclusion mainly through their investment ... problems in Germany at the 10% significance level. Nevertheless, all the equations pass the overall significance tests, i.e. the F-tests. INVESTIGATING DIVERSITY INTHEBANKINGSECTORIN EUROPE...
... bankingsector The increased role of financial intermediation is evident from the growth inthe (relative) size of the European bankingsectorinthe years leading up to the financial crisis. ... 2.5.1 Bankingsector restructuring, deleveraging and derisking Given the severity of the crisis, one may have expected a rapid restructuring of thebanking sector, including a reduction in capacity ... bail-inable securities and other debt instruments and facilitate the valuation and pricing of these instruments. In order to limit interconnectedness within thebanking system and increase the...
... consolidation in the banking industry—and the other is the wave ofbank failures that occurred during the banking crisis of the late 1980s and early 1990s.16Until the early 1980s, banking was largely ... Price Deflator for the 12 months ending in June.This article examines the funding of bank super-vision inthe context of the dual banking system.Since 1863, commercial banks inthe UnitedStates ... number of institutions, that assessmentbase does not reflect the operations of the bank. The Net Decline inthe Number of Bank Charters The net decline inthe number of banking char-ters since...
... identifying families inthe community to interview about their personal ex-periences with the health care system, and serving as primary family interviewers afterreceiving formal training inthe ... 2003, working with the project team in both an advisory and a participatory capac-ity. Individual members were integrally involved in many of the research tasks of the project,including initial ... sustainable, and replicable improvements inthe health care delivery system for mothersand children inthe Pittsburgh region.xiSummary The Challenge The health and well-being of mothers, infants,...
... medical fields, they reckonedthat: the quality and depth of training in geriatrics was equal to the training in otherspecialized fields such as pediatrics.Yet they felt that their training for pediatrics ... up to the need to sustainably improve the lives of the elderly inKenya rather than leaving the task to the government and charitable foundations. Other interventions that needto be strengthened ... making them feel outdated amongst youthful patients as is the case today.• There is need for health workers inKenya to have special training inthe areas ofhandling the elderly (geriatrics) instead...
... margin, with focus on the Lebanese banking sector. This sector provides an interesting case study for analysing how banks set their interest rates (i.e. what factors shape their interest margins) ... bankingsector is – by large – the main source of funding for investors. Therefore, the domestic investment is mainly financed with bank loans, and any increase inthe demand for loans increases ... for the efficiency of thebanking sector, where high intermediation margins may imply inefficiency of the financial sector and could act as a disincentive to investment and may also slow the...
... hedging purposes. The bulk of the research has almost exclusively focused on the US banking sector. The present study will investigate the interest rate sensitivity of the Greek banking sector. ... for the Durbin-Watson statistic. The numbers inthe parentheses below the point estimates stand for the t-ratios. Adj. R2 stands for the adjusted coefficient of determination. The hypotheses ... 6 Addressing these questions will assist in understanding the interest rate risk exposure of the Greek bankingsector and will also provide evidence for an emerging market. The latter will...
... for the emerging SME finance sector is therefore one the mostimportant tasks facingthe partnership and thesector as a whole. THE ROLE OF THE FINANCIAL SERVICES SECTORin Expanding Economic ... inthe industry. At the Financial Sector Summit in 2002, the industry effectively voted for the latter option.84Activities Following the Financial Sector Summit, theBanking Council and the Association ... Forthcoming. “Linking Traditional Banking withModern Finance: The Barclays Microbanking – Susu CollectorsInitiative in Ghana,” in United Nations Development Programme(UNDP). Forthcoming. Growing Inclusive...
... details on small businesslending and the consolidation of thebanking industry.12There is an extensive literature on scale and scope economies in the commercialbanking industry. See Hunter, ... branching restrictions beginning in the mid-1970s, and by 1994 the federal governmenthad passed the Riegle–Neal Act which eliminated vir-tually all prohibitions against interstate bankingin the U.S. ... years can hedgeagainst the risk that rates will rise (squeezing theirprofit margins by increasing the cost of their short-termdeposit funding) by entering into fixed or floatingrate swaps. Similarly,...
... rights reserved. Facing the Reality of Drug-Resistant Tuberculosis: Challenges and Potential Solutions in India: Summary of a Joint Workshop by the Institute of Medicine, the Indian National Science ... rights reserved. Facing the Reality of Drug-Resistant Tuberculosis: Challenges and Potential Solutions in India: Summary of a Joint Workshop by the Institute of Medicine, the Indian National Science ... rights reserved. Facing the Reality of Drug-Resistant Tuberculosis: Challenges and Potential Solutions in India: Summary of a Joint Workshop by the Institute of Medicine, the Indian National Science...