led to Deeper domestic Financial Markets?’ Paper presented at the 2009 Royal Economic Society Annual Conference‚ University of Surrey‚ United Kingdom. Cerasi‚ Vittoria‚ (1996)‚ “An Empirical Analysis of Banking Concentration‚” Dipartimento di Economia e Aziendale‚ Università degli Studi di Milano‚ Working Paper No. 96.04. Cerasi‚ Vittoria.‚ Barbara Chizzolini and Marc Ivaldi‚ (1998a)‚ “Sunk Costs and Competitiveness of European Banks after Deregulation‚” FMG Working Paper No. 290‚ London School of Economics
Premium Bank
E-Banking 2013 4/6/2013 Table contents: Introduction ……………………………………………………………...1 Definition …………………………………………………………………1 How to use e-Banking…………………………………………………….2 Types of E-Banking……………………………………………………….2‚ 3 Why of e-Banking………………………………………………………...3 Popular services of E-Banking…………………………………………..3‚ 4 Mains function of e-banking………………………………………………4‚ 5 Advantages of E-Banking…………………………………………………5 Disadvantage of e-banking……………………………………………….5‚ 6 Features of e banking……………………………………………………
Premium Bank Online banking
complicated as it is deep‚ I found myself asking how we define “statehood”. It’s all good and well to say that the state is a contested organisation‚ but when the idea of what exactly a state is comes into it‚ that statement becomes all the less clear. By definition a nation state is a state/country that possesses clear borders and land‚ and contains mostly the same type of people by either race or cultural background. http://www.britannica.com/EBchecked/topic/467746/political-system/36702/National-political-systems
Premium Sovereign state Failed state State
Journal of Experimental Microbiology and Immunology (JEMI) Vol. 14: 98-100 Copyright © April 2010‚ M&I UBC The Effects of the Ratio of Surface Area to Volume on Transformation Efficiency in Escherichia coli K-12 Eliana Pouchard‚ Steve Teng‚ and Cameron Wong Department of Microbiology & Immunology‚ UBC In the process of transformation‚ bact eria take up DNA fr om the environment through their cell wall. To induce competence in the cells‚ the DNA for uptake must first attach
Premium Bacteria Plasmid Transformation
E.E-BANKING: There is no official definition of this term‚ but it generally implies a service that allows customers to use some form of computer to access account-specific information and possibly conduct transactions form a remote location – such as home or at the workplace. The obvious advantage to the consumer is convenience – one bank recently used the advertising motto “bank naked” to emphasize the customer’s freedom to conduct routine banking transactions from the comfort and security of
Premium Credit card Debit card Cheque
1 Y2010 Y2011 Y2012 Closing Price per share ($) 25.94 37.29 50.71 Number of shares outstanding on the year-end fiscal date (millions) 742.90 742.60 744.80 Market Capitalization (million $) 19‚270.83 27‚691.55 37‚768.81 From financial ratio analysis of fiscal year 2012‚ based on the company’s performance‚ its profitability is almost the same as it was last year. Its operating margin is slightly increased while its net profit margin is decreased a little from fiscal year 2011. Its net
Premium Financial ratios Generally Accepted Accounting Principles Financial ratio
Diagnosis & Classification Definitions of abnormality What is abnormality? How can if be measured if it can be measured? The term Abnormal is defined as deviating from what is normal or usual. So what is normal? The word ‘normal’ usually refers to conformity to standard or regular patterns of behaviour. The concept of abnormality is essentially a label applied to behaviour that does not conform. Statistical Infrequency. Key ideas for this definition: • A person’s thinking or
Premium Normal distribution Mental disorder Abnormal psychology
A) WHAT IS DEVIANCE? o Def: Behavior‚ beliefs or conditions that violate significant norms in society‚ or the group in which it occurs. o Behavior-Belief-Condition o Based on “beliefs” or “deviation from the mean” o Crime is not necessarily a deviant (speeding) o Deviance is not necessarily a crime (assisting drowning). 1) Who defines deviance? NOT inherent in specific behavior or person. SOCIALLY-defined and relative to the situation. CRIME- a violation of criminal law-punished by the CJ
Premium Sociology Criminology Deviance
possibilities of electronic learning (E-learning). The use of the Web as an educational medium was hailed as a indication of overwhelming modifications for communities‚ businesses and markets. By now‚ well over a decade later‚ one might expect that the perception of E-learning would be well classified and unmistakably distinguished from other forms of learning. The term E-leaning means electronic learning‚ which deals with various forms of technology enhanced learning. E-learning is basically the use
Premium E-learning Virtual learning environment Education
Crime: - An action that constitutes an offense that may be prosecuted by the state and is punishable by law. Unlawful activity. An unjust‚ senseless‚ or disgraceful act or condition. Society sees most crimes‚ such as robbery‚ assault‚ battery‚ rape‚ murder‚ burglary‚ and fraud‚ as deviant. Types Of Crime: - 1. Crimes Against Persons:- Crimes against persons‚ also called personal crimes‚ include murder‚ aggravated assault‚ rape‚ and robbery. 2. Crimes Against Property: - Property crimes
Premium Crime Theft