... important financing tool for banks in several euroarea countries The yield on these instruments shot up following the Lehman Brothers failure, potentially disrupting the financing of many credit institutions ... by banks intheeuroareaand Belgium 3.2.2.1 EuroareaThe analysis of theeuroarea includes both deposit and lending rates Among deposit rates, we analyse the overnight deposit rate andthe ... of showing the relevance of Euribor during the crisis period for savings deposit rates andthe instability of the model estimated using the OIS, as was the case fortheeuroarea However, the conclusion...
... concurrence.” The main C&A activities completed during testing are as follows: IA testing The first step in this phase is the actual testing of IA controls In theory, the information system security engineer ... According to an interviewee, because the validator is a trusted agent of the CA, the CA will appoint the validator forthe program 10 Rapid Acquisition and Fielding for Information Assurance and ... called SHIPMAIN, for “ship maintenance,” this process was implemented to eliminate redundancies in prior maintenance processes by standardizing the planning, budgeting, engineering, and installation...
... food and forestry industries • shrinking subsistence farming versus increased cash cropping, and bioenergy coinciding with the depletion of forests, soil and a rise in plant and animal diseases In ... performance The physical working environment for many agro industries can be demanding andthe compensation incentives and labour practices are not always at par with other labour intensive industries ... 1995: An Overview of Issues and Strategies inthe Development of Food Processing Industries in Asia andthe Pacific: Growth of the Food Processing Industry in Asia andthe Pacific, Asian Productivity...
... inthe designing of the database, performed database system administration, integrated the bioinformatics tools inthe application VP served as the principal investigator of the project, performed ... performed the data analysis, assisted inthe designing of the database, and drafted the manuscript All authors have contributed inthe writing of the manuscript and have read and approved the final ... set for genotyping populations of a given species If the objective is the selection of markers for refining mapping in an inter-specific cross, or for discriminating two or more species, the...
... http://www.actavetscand.com/content/51/1/6 was measured from the beginning of the rise to the end of the decrease inthe record line PQ (PR) interval was measured from the beginning of P wave to the beginning of QRS complex QRS complex ... myocardium were fixed for 24 h in buffered 7% formalin, prepared by routine methods for histology, embedded in paraffin and sectioned at μm Sections were stained by hematoxylin and eosin and subjected ... Veterinaria Scandinavica 2009, 51:6 This study aims at defining reference values related to ECG and echocardiography and to determine gross and microscopic dimensions of the heart inthe European...
... groups and then read the text; or they can read the text silently, and then ask and answer the questions in pairs or groups This is a good way of involving the whle class in answering the questions ... during and after the activiy( We used to use these methods before ) Before T : AlrightExercise 3.Sit in pairs.Ask and answer the questions During After T: (Sit inand nothing) T : Everyone finished ... students in front of the class, and then with all the students working in pairs at the same time iii) Reading a text and answering the questions : Students can discuss questions in pairs or groups and...
... banking sector intheeuroarea s financial system, it is of significant importance forthe ECB to monitor the degree of competitive behaviour intheeuroarea banking market A more competitive banking ... national banking systems: specialized German governmental credit institutions, comprising mainly the major Landesbanken, are included In addition to certain public finance duties, the Landesbanken ... Credit, and Banking 36(3), 433– 451 Berger, A.N., and L.J Mester (1997), ‘Inside the black box: What explains differences inthe efficiencies of financial institutions?’ Journal of Banking and Finance...
... on average over the 1990s (this is not the case in Ireland andthe Netherlands forthe former, and Finland forthe latter) The picture is less clear inthe case of mortgages and long-term loans ... between the retail bank interest rate and short- and long-term interest rates The stability of the baseline linear ECM before and after the introduction of theeuro is then tested and we assess whether ... equilibrium inthe mortgage markets in Spain and Portugal and a quicker one inthe consumer credit 15 Interest rate setting by universal banks andthe transmission mechanism intheeuroarea markets in...
... a change inthe output gap on ination, on the other hand, seems to be slightly stronger intheeuroarea compared to the US and Germany The null hypothesis that the coecients of the ination terms, ... suggests that the natural real interest rate has declined from around 4% inthe 1960s to less than 2% in 2004 Inthe model, the decline inthe natural real interest rate intheeuroarea is largely ... fortheeuro area, Neiss and Nelson (2003) forthe UK and LW forthe US, but stands against the results of Cour-Thimann (2004) fortheeuroarea Table 2: Standard deviations, euroarea yt 0.35...
... process Owing to the importance of banks intheeuroarea financial system and their role inthe transmission of monetary policy, thebank interest rate pass-through is a key issue for central banks, ... Working Paper Series No 580 January 2006 Maudos, J and Guevara de, J F (2004), Factors explaining the interest margin inthe banking sectors of the European Union, Journal of Banking and Finance, ... heterogeneous between theeuroarea countries and that there are structural breaks inthe passthrough process occurring before the introduction of theeuroin January 1999 Furthermore, there is some...
... transmission intheeuroareaIn addition, andin contrast to recent …ndings forthe US, we …nd that intheeuroarea changes inthe supply of credit, both in terms of volumes andin terms of credit standards ... evidence forthe existence of a bank lending channel of monetary policy transmission intheeuroareaIn addition, andin contrast to recent …ndings forthe US, we …nd that intheeuroarea changes in ... pertinent inthe case of theeuroarea where bank …nancing is the predominant means of …nancing for non-…nancial corporations For example, by the end of 2007 bank loans to the private sector In the...
... like the interest rate, thebank lending, the balance sheet andthe risk-taking channel intheeuroarea This finding implies that not only changes inthe official interest rate andin loan demand ... with the net tightening inthe margins on average and riskier loans The latter significantly help in predicting the annual growth rate in real GDP intheeuroareain isolation as well as together ... matter fortheeuroarea credit and business cycles The net percentage of banks indicating a tightening in credit standards to enterprises, or the associated terms and conditions, leads bank loan and...
... Starting from the definition, theEuro overnight index average (EONIA) is a measure of the effective interest rate prevailing intheEuro interbank overnight market, while theEuro interbank ... presented in Table A1 inthe Appendix, fail in rejecting the null hypothesis of no cointegration between bankand interbank interest rates, further confirming the necessity of appropriately modelling ... evidence is in line with the findings of Blot and Labondance (2011), based on a splitsample analysis of pass-through intheEuroarea before and during the current financial crisis Analysing the degree...
... significant browsing in these types: “spruce Bl” and “fir-spruce Bl”, the non-dominance of fir may not have been caused by foraging deer On the other hand, in places that were often used for foraging, heavily-browsed ... Site 1, includes the forests of Vologne, Anould, Fraize and Plainfaing The Red deer population started to increase inthe early 1960’s following the creation of the “Belbriette” game reserve and ... advantage inthe presence of deer Nevertheless, inthe presence of deer, foresters tend to clear out the understorey and carry out important fellings in order to increase light levels, therefore enhancing...
... of the existing houses before typhoons coming Before typhoon coming, people living inthe cyclonic regions usually ask the authorities forthe ways to strengthen their houses (existing) Therefore, ... from the coastline in Quang Ninh province andthe Middle part provinces are also under threat of typhoons Inthe East Sea, the most affected area is the northern section extending down to the ... house) for hiding during the typhoon Conclusion This paper has provided the information about the typhoons in Vietnam andthe technical solutions recommended for existing and new houses inthe tropical...
... important to carefully examine your network and evaluate the distances and bandwidths required now andinthe future To maximize your investment, you must choose the correct type and grade of fiber to ... LED signaling technology while enabling migration to higher speeds In other words, you can install laseroptimized fiber today for use with slower data rates, and when the need for more bandwidth ... fiber type that allows for affordable electronics while reaching all areas of your LAN, providing the most flexibility and future growth for your data center and backbone infrastructure Conclusion...
... outcome of the forecast, • Gathering and analyzing the data using a variety of methodologies, and • Interpreting the results and assembling the forecast from the available information Framing the problem ... Engineering in providing services to the government, the public, andthe scientific and engineering communities The Council is administered jointly by both Academies andthe Institute of Medicine ... approaches could amplify certain biases inherent inthe algorithms and to the data set for training These networks can reinforce bias patterns found inthe data and users, causing the network to produce...
... Engineering in providing services to the government, the public, andthe scientific and engineering communities The Council is administered jointly by both Academies andthe Institute of Medicine ... geological engineering, hydrological engineering, and Earth-related parts of petroleum engineering and mining engineering The rapid expansion of nanotechnology, biotechnology, and information technology ... need for geoengineering inthe emerging field of geoengineering for Earth systems in an attempt to manage and sustain a habitable and beneficial environment on Earth The goal of geoengineering...
... policies for schooling and job training Human capital is the largest form of investment in a modern economy Human capital involves choices at the extensive margin (schooling) and at the intensive ... (1987) in three ways: (1) They introduce skill formation and consider both schooling choices and investment in on- the- job training (2) They allow for heterogeneity in ability, endowments and skills ... data needed to implement them The cost-benefit criterion is the least demanding; the voting criterion is the most demanding in that it requires information about the joint distributions of outcomes...