... at the end ofthe month prior to the start ofthe maintenance period that the operation falls under. Write-offs and provisions and return on assets are measured at the end ofthe year before the ... studies the data cross-sectionally. Section 5 presents the panel analysis and provides the main results ofthe paper. Section 6 concludes. The Appendix contains an overview ofthe structure ofthe ... cooperatives,they are 3.47 bps and −0.18 bps; for foreign banks, they are 2.84 bps and −0.15 bps; forLandesbanks, they are 2.83 bps and 0.50 bps; and for cooperative central banks, they are4.27 bps and...
... 2011 The Effectsof Funding Costs and Risk on Banks’ Lending RatesIntroductionThere are a number of factors that influence the way banks set lending rates. Among these, the costs of debt and ... middle ofthe range, as a result of some repricing of lending rates relative to these costs. In addition to the increase in the cost of debt funding, there have been other drivers ofthe rise ... wholesale debt (domestic and foreign). The share of securitisation has also fallen since the onset ofthe financial crisis, as the amortisation ofthe outstanding stock of residential mortgage-backed...
... of competition indicators 96 Results of hypothesis testing 99 Hypothesis 1 100 Hypothesis 2 101 Hypothesis 3 102 Hypothesis 4 103 Hypothesis 5 103 Hypothesis 6 104 Summary of hypothesis ... analyzed the strengths and weaknesses of bank-based and market-based financial systems. When the bank-based countries of Japan and Germany achieved higher growth rates than the United States andthe ... acceptable standards, and as such is fully adequate in scope and quality. It is therefore approved as the fulfillment ofthe Dissertation requirements for the Degree of Doctor of Business Administration....
... andthe results of their interactions with the components of LB medium. The AFM results suggest that the killing of bacterial cells by DC is not through direct physical forces ofthe currents ... 0.85% NaCl buffer and sonicated for 2 min to remove the biofilm cells from the electrode. The stainless steel electrode was then removed andthe tube containing the cells and buffer was vortexed ... current and to pre-treated media showed similar reduction in cell viability. It is possible that the presence ofthe biofilm matrix could reduce theeffectsof current-generated ions. The majority...
... ceased, the year-end height and basal diameter of eachseedling planted in the field was recorded. The height was the distance from the ground to the tip of the longest ... when they were brought to the research center and planted. The plot was kept moderately weed-free dur-ing the course of the study using a combination of herbicides and ... the radicle trim point) were measured and recorded.Seedlings were then cut at the cotyledon scars, and the shoots and roots dried at 70 °C for2 days. These were then...
... most ofthe GABAAR foundin the hippocampus, and were chosen based on their rela-tive abundance and their potentially important contribu-tions in GABAAR function. When the expression of theseproteins ... asneuronal excitability and pharmacological responsivenessafter TBI. These studies, therefore, support the hypothe-ses that TBI alters the constituent proteins of the GABAAR and that these alterations ... Animalcare and experimental procedures were in accordancewith the National Institute of Health Guide for the Care and Use of Laboratory Animals andthe protocol was Gibson et al. Journal of Biomedical...
... affixing the tube andthe chamber to a Plex-iglas plate. The animal had free access to wet feed during the entire experimental period. The Plexiglas stage that held the animal was then placed ... In-vivo preparation ofthe hamster window chamber model with visible A0 arteriole and V0 vein. Other vessels (A1, branch off A0; A2, branch off A1; A3, branch off A2; A4, branch off A3), capillaries ... circular portion ofthe skin, including two skinmuscles with the underlying skin, remained in place. The tissuewas covered with saline, and a cover glass was held by oneside ofthe titanium frame,...
... types of students in other university, NEU students are the perfect entity to take the research. The study illustrates theeffectsof music cover and NEU students’ behaviors towards the spread of ... understand the lyrics ofthe original song and they make comparison, they mainlyrecognize that major of covered songs are not as good as the original ones. Hence, they maylook down on the musicians, ... a lot of singers“borrow” foreign songs without “permission” of authors and then they said those are theirsongs. Furthermore a lot of people don’t really understand about Music cover, they just...
... opportunities they have to apply and be rewarded for applying their skills. The link between productivity and wages in theory The question of interest is theeffectsof education and health status ... Estimate theeffectsof each ofthe target conditions on general health. 3. Combine the estimates from steps one and two to estimate the effect of each of the target conditions on wages. There ... estimating the effect ofthe target conditions on general physical and mental health (of which there are reliable measures in HILDA) and using that information to estimate theeffectsofthe target...
... N10 and E97 ofthe secondsubunit. The backbone NH group of R98 forms ahydrogen bond with the backbone CO of F102. Fur-thermore, the orientation ofthe side chain ofthe tworesidues brings the ... (Fig. 9B) [49]. The above discussion rationalizes the observed effects ofthe Y74W mutation in PfTIM on the stability of the dimeric structure and catalytic activity. Examination of the available ... features ofthe Y74W* mutant of PfTIM need to be rationalized: (a) the reduced stability of the dimeric structure, and (b) the significantly lowervalue of kcat, suggesting an impairment ofthe catalyticefficiency...