Relevant bibliographies by topics / Universal banks

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Universal banks'

Author: Grafiati
Published: 4 June 2021
Last updated: 25 July 2025

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Journal articles on the topic "Universal banks"

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Canals, Jordi. "Universal banks:." European Management Journal 16, no. 5 (1998): 623–34. http://dx.doi.org/10.1016/s0263-2373(98)00038-3.

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Lóránth, Gyöngyi, and Alan D. Morrison. "Tying in Universal Banks." Review of Finance 16, no. 2 (2012): 481–516. http://dx.doi.org/10.1093/rof/rfr029.

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Benston, George J. "Universal Banking." Journal of Economic Perspectives 8, no. 3 (1994): 121–43. http://dx.doi.org/10.1257/jep.8.3.121.

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Universal banks can offer the entire range of financial services within the bank or through subsidiaries. Most countries permit universal banking. In contrast, the United States is served only by specialized banks. Universal banking, particularly in Germany, is contrasted with specialized banking with respect to their effect on financial stability, economic development, other financial institutions, concentration of political and economic power, consumer choice, and conflicts of interest. This examination, including a review of relevant empirical studies, leads to the conclusion that universal
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Ayam, A. J. R., F. K. Dorsaa, E. Anderson, and S. Mensah. "IMPACT OF BANK’S CORPORATE SOCIAL RESPONSIBILITIES ON CUSTOMER BUYING ATTITUDE: THE CASE OF GHANAIAN UNIVERSAL BANKS." UDS International Journal of Development 9, no. 1 (2022): 725–36. http://dx.doi.org/10.47740/516.udsijd6i.

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Universal banks in Ghana have witnessed stiff competition and declining customer growth in recent times. These banks have sort to adopt Corporate Social Responsibility (CSR) activities as a means to attract and build customer confidence and loyalty. The study employed quantitative research methodology with a 5 point Likert-Scale well validated research instrument. This correlational study seeks to measures the relationship between the CSR factors and Banks customer buying attitude. The results of the study revealed that there was a statistically medium to small relationship between the CSR fac
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Guinnane, Timothy W. "Delegated Monitors, Large and Small: Germany's Banking System, 1800–1914." Journal of Economic Literature 40, no. 1 (2002): 73–124. http://dx.doi.org/10.1257/0022051026985.

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Banks play a greater role in the German financial system than in those of the United States or Britain. Germany's large universal banks are admired by those who advocate bank deregulation in the United States. Others admire the universal banks for their supposed role in corporate governance and industrial finance. Many discussions distort the German banking system by overstressing one of several types of banks, and ignore the competition and cooperation between the famous universal banks and other banking groups. Tracing the historical development of the German banking system from the early ni
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Dayag, Antonio Jaramillo, and Fernando Trinidad. "Assessment of the correlation between price-earnings ratio and stock market returns of universal banks in the Philippines." International Journal of Research in Business and Social Science (2147- 4478) 8, no. 5 (2019): 172–81. http://dx.doi.org/10.20525/ijrbs.v8i5.481.

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Universal banks are important economic drivers in the Philippines since they provide the financial backbone for businesses and investments. Universal banks comprise 90% of the country’s banking system resources. Eleven [11] of the twenty-one [21] universal banks in the country are listed in the Philippine Stock Exchange, and these banks are the top universal banks based on capitalization. Price to Earnings Ratio [PER] is a commonly utilized investment assessment tool and this ratio indicates how much investors are willing to pay for a stock and is calculated as the ratio of the stock price ove
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Essen, Rita. "The Transition of German Universal Banks." European Business Law Review 12, Issue 5/6 (2001): 105–9. http://dx.doi.org/10.54648/396517.

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Harissis, Harilaos F., Andreas Merikas, Stanley Mutenga, and Sotiris K. Staikouras. "Universal banks and stock‐market reaction." Journal of Risk Finance 10, no. 3 (2009): 244–60. http://dx.doi.org/10.1108/15265940910959375.

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Akentarah, Richard, Isaac Appiah Amankwa, and William Awuma. "THE The impact of capital adequacy and corporate governance on financial performance of universal banks in Ghana." International Journal of Accounting and Economics Studies 11, no. 1 (2024): 18–26. http://dx.doi.org/10.14419/q2hwnq26.

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The study seeks to determine the influence of capital adequacy ratio (CAR) and corporate governance attributes on financial performance of listed universal banks in Ghana. The authors sampled five banks from a population of nine banks listed on the Ghana Stock Exchange (GSE) using a simple random sampling method. The study employed quantitative design and procedures using secondary quarterly data from annual financial statements published from 2012 to 2022. The data was analysed using the fixed-effects regression model with Stata (ver. 17). The findings indicate that some universal banks have
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Dayag, Antonio Jaramillo, and Fernando L. Trinidad. "What What Drives Stock Market Performance of Banks / Universal Banks? A Critical Examination of Literature." International Journal of Finance & Banking Studies (2147-4486) 8, no. 3 (2019): 51–57. http://dx.doi.org/10.20525/ijfbs.v8i3.492.

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Universal banks combine commercial loan services and public deposit functions with investment, and other services such as home and auto financing, mutual funds, pension and insurance to name a few. The importance of universal banks have been recognized in emerging economies, and its growth spur economic growth and development of many countries in the world. Most universal banks are listed in stock exchanges, and as financial intermediaries, not only these banks expand their already wide portfolios but they allow more global investors into the fold, almost like a foreign direct investor, the di
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Dissertations / Theses on the topic "Universal banks"

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Mathieu, Julien P. "Universal banking in the United States : benefits and risks." Thesis, McGill University, 2003. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=80940.

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The worldwide financial services industry has undergone in the past two decades an unprecedented wave of consolidation within and across its three main sub-sectors: banking, securities activities and insurance. Today's observers assert that in ten years, most of the financial sector will be controlled by a small group of huge diversified banks. By enacting the Gramm-Leach-Bliley Act in 1999, Congress repealed the depression-era "Glass-Steagall" Act of 1933 and thereby officially removed the longstanding legal barriers that insulated banks from securities firms and insurance companies. A
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Kleeberg, John Martin. "The Disconto-Gesellschaft and German industrialization : a critical examination of the career of a German universal bank 1851-1914." Thesis, University of Oxford, 1988. http://ora.ox.ac.uk/objects/uuid:48874939-164a-4064-8473-3d08d1797559.

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This thesis uses the history of the Disconto-Gesellschaft to argue that the role of universal banks in fostering German industrialization was less than has previously been assumed. The archive of the Disconto-Gesellschaft is not currently accessible, so the thesis will use industrial archives to examine the bank's relations with industrial companies. After a discussion of the literature, a summary of other Disconto-Gesellschaft ventures shows that the Dortmunder Union was not an isolated disaster, but one among many. The thesis discusses the boom of 1867-1873 and. suggests it was engendered by
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Atuahene, Richmond Akwasi. "Corporate governance and financial performance : evidence from the Ghanian banking sector." Thesis, University of Bradford, 2016. http://hdl.handle.net/10454/15020.

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Due to widespread bank scandals and failures around the world, there has been renewed interest in the effect of corporate governance on bank performance. The majority of research concerning corporate governance and its effect on bank performance has been undertaken in developed countries and markets, particularly the USA and European Union but relatively little evidence is provided in Sub Saharan Africa, specifically, Ghana. This study investigates the effects of corporate governance on financial performance of Ghanaian universal banking companies during the period 2006- 2014. This study prima
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Atuahene, Richmond A. "Corporate governance and financial performance: Evidence from the Ghanian banking sector." Thesis, University of Bradford, 2016. http://hdl.handle.net/10454/15020.

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Due to widespread bank scandals and failures around the world, there has been renewed interest in the effect of corporate governance on bank performance. The majority of research concerning corporate governance and its effect on bank performance has been undertaken in developed countries and markets, particularly the USA and European Union but relatively little evidence is provided in Sub Saharan Africa, specifically, Ghana. This study investigates the effects of corporate governance on financial performance of Ghanaian universal banking companies during the period 2006- 2014. This study prim
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Gharanfoli, Sepehr, and Kemal Kevin Nordal. "Self-Leadership, a universal or situational concept? : A two-sided perspective between International banks and IT companies - from employees’ point of view." Thesis, Södertörns högskola, Institutionen för samhällsvetenskaper, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-45741.

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In today's high pace of globalization and constant development of organizations, it is highly crucial that companies are able to adapt and figure out how to do things differently, such as to resolve how to streamline their work with the resources they have in the best possible way. One way of doing this is through the concept of Self-leadership which is a phenomenon providing the employees with more freedom and working independently more frequently without constant external executive control. Therefore, the authors of this paper have studied how the employees can use self-leadership with the p
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Mikšová, Lucie. "Potíže bank v České republice v letech 1993-2003." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10819.

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At the end of the 20th century and at the beginning of the 21st century, most banks in the Czech Republic got into trouble. Some banks overcome this problems, but others have to cease their activities and lost their banking license. Difficulties of banks varied from case to case, but there were some common attributes. The first objective of this work is to find these common attributes. The second objective of this work is to identify "culprits" who were most involved in the difficulties of banks in the Czech Republic in the years 1993-2003. Method of incomplete induction will be used in this w
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Albertazzi, Ugo. "Essays in banking." Doctoral thesis, Universite Libre de Bruxelles, 2011. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/209878.

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Cette thèse contient trois études sur le fonctionnement des banques.<p>Le premier Chapitre analyse empiriquement comment la capacité d’offrir des emprunts à long terme est influencée par la dimension des intermédiaires financiers.<p>Le deuxième Chapitre analyse, avec un model théorique caractérisé par la présence de soft-budget constraint, ratchet effect et short-termism, comment la pression compétitive influence la capacité des banque de financer le firmes ayant des projets de bonne qualité.<p>Le troisième Chapitre examine, avec un model théorique du type moral hazard common agency, le confli
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Alin, Gustaf, and Benjamin Thornell. "The individual Controller role : And how the role is affected by increased information and complex report relations." Thesis, Linköpings universitet, Företagsekonomi, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-130986.

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Previous research of the controller role is extensive and has been studied in several sectors, whichprovides a wide range of definitions of the controller role. These definitions have contributed to an ambiguous controller role in regards to what work assignments are most important and to whom the controller should report. This thesis aims to provide an in-depth understanding of the controller role based on work assignments within a decentralised organisation working with complex financial products. This thesis also contributes to an understanding of how controllers perceive that their role is
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Larsson, Mats. "Development of a Digital Universal Filter Bank." Thesis, Uppsala universitet, Signaler och System, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-307929.

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This is a master's thesis project, which is a part of the Master Programme in Electrical Engineering at Uppsala university. When developing a product or performing measurements, it is sometimes necessary to remove some content of a signal. This might be due to an interfering source that has to be filtered out, or that only a specific frequency interval is of interest. In such a case, it would be practical if a universal frequency selective filter was available and easy to use. In this thesis, a platform for implementing different frequency selective digital filters is developed. Through a user
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Maurin, Alexandra. "Vers une maîtrise du risque bancaire systémique." Thesis, Paris Sciences et Lettres (ComUE), 2019. http://www.theses.fr/2019PSLED035.

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L'essor de la RSE, tant au sein des sociétés qu'au travers des concertations internationales, illustre l'importance qu'ont pris l'éthique et la morale dans les relations d'affaires. Le banquier y tient une place centrale puisqu'il est « le moteur de toutes les activités de son temps ». Du fait de son rôle prépondérant, aussi bien pour l'économie réelle que sur les marchés financiers, il devrait agir en précurseur du développement de la RSE. Pourtant, lors de la crise de 2007, l'incitation déraisonnée au surendettement des particuliers et le recours à la titrisation pour faciliter
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Books on the topic "Universal banks"

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Huth, Horst Olaf. Ertragsorientiertes Zielgruppenmarketing im mittelständischen Firmenkundenbereich von Universalbanken. F. Knapp, 1985.

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Aizawa, Kōetsu. Toshi ginkō no yabō: Shin "gin, sho" sensō no makuake. Shūeisha, 1994.

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Thiesing, Ernst-Otto. Strategische Marketingplanung in filialisierten Universalbanken: Integrierte Filial- und Kundengruppenstrategien auf der Grundlage erfolgsbeeinflussender Schlüsselfaktoren. P. Lang, 1986.

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Gorton, Gary. Universal banking and the performance of German firms. National Bureau of Economic Research, 1996.

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Canals, Jordi. Universal banking: International comparisons and theoretical perspectives. Clarendon Press, 1997.

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Edwards, Jeremy. Universal banks and German industrialization: A reappraisal. Centre for Economic Policy Research, 1995.

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Ṣāliḥ, Rushdī Ṣāliḥ ʻAbd al-Fattāḥ. al-Bunūk al-shāmilah wa-taṭwīr dawr al-jihāz al-maṣrifī al-Miṣrī: Al-ṣayrafah al-shāmilah ʻālamīyan wa-maḥallīyan. R.Ṣ.ʻA.al-F. Ṣāliḥ, 2000.

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Li, Kuan. Quan neng yin hang yu Zhongguo yin hang ye wei lai =: Finance. Zhongguo jin rong chu ban she, 2006.

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Rushdī Ṣāliḥ ʻAbd al-Fattāḥ Ṣāliḥ. al- Bunūk al-shāmilah wa-taṭwīr dawr al-jihāz al-maṣrifī al-Miṣrī: Al-ṣayrafah al-shāmilah ʻālamīyan wa-maḥallīyan. R.Ṣ.ʻA.al-F. Ṣāliḥ, 2000.

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Huppert, Hendrik. Entwicklung eines Unternehmensdatenmodells für eine deutsche Universalbank. [s.n.], 1992.

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Book chapters on the topic "Universal banks"

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Timmermann, Vincenz. "Universal banks — A reconsideration." In Contributions to Economics. Physica-Verlag HD, 2000. http://dx.doi.org/10.1007/978-3-642-57674-4_11.

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Rogers, David. "Universal Banking: Benchmarks from Britain." In The Big Four British Banks. Palgrave Macmillan UK, 1999. http://dx.doi.org/10.1007/978-1-349-27760-5_10.

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Rogers, David. "Lloyds: a Deviant Case, Rejecting Universal Banking." In The Big Four British Banks. Palgrave Macmillan UK, 1999. http://dx.doi.org/10.1007/978-1-349-27760-5_4.

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Altunbas, Yener, Lynne Evans, and Philip Molyneux. "Universal Banks, Ownership and Efficiency: A Stochastic Frontier Analysis of the German Banking Market." In The Recent Evolution of Financial Systems. Palgrave Macmillan UK, 1997. http://dx.doi.org/10.1007/978-1-349-14192-0_8.

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Mäkipää, Mikael, David Howarth, and Scott James. "The European Failure to Tackle ‘Too-Big-to-Fail’ Banks." In United Nations University Series on Regionalism. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-68475-3_8.

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AbstractThis chapter evaluates the reach of post-crisis banking regulation adopted in the United Kingdom (UK), France, Germany, the Netherlands, and at the European Union (EU) level, with specific focus upon its effectiveness in addressing issues connected to too-big-to-fail (TBTF) universal banks: notably, incentives for excessive risk-taking and the potential financial burden imposed upon the public sector. Examining capital requirements, liquidity rules, resolution and structural reform, and contrasting European experiences with those of the United States (US), we highlight the inability of
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Mazzà, Guglielmo, Marco Pasini, Silvia Ricci, Matthew Matimbwi, and Giampietro Pizzo. "Establishing Local Power Markets and Enabling Financial Access to Solar Photovoltaic Technologies: Experiences in Rural Tanzania." In Energiepolitik und Klimaschutz. Energy Policy and Climate Protection. Springer Fachmedien Wiesbaden, 2022. http://dx.doi.org/10.1007/978-3-658-38215-5_11.

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AbstractEnergy inclusion is a major concern in Tanzania, where rural areas are widely lacking access to both power networks and off-grid systems. Different barriers are slowing the achievement of Sustainable Development Goal 7: universal electrification in the country raises concerns in delays and equity. Financial exclusion adds to the complexity of adopting appropriate technological solutions, particularly for rural communities. Solar photovoltaic solutions represent an opportunity to increase energy access and enable growth. The introduction of new technological products requires to establi
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Bhorge, Siddharth, Paras Palli, Sourabh Landage, Akshay Parase, and Ritik Nawale. "Server-Based Universal Bank Chatbot." In Advances in Engineering Research. Atlantis Press International BV, 2023. http://dx.doi.org/10.2991/978-94-6463-252-1_54.

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Polák, Libor. "Structural Theorems for Varieties of Bands." In Lattices, Semigroups, and Universal Algebra. Springer US, 1990. http://dx.doi.org/10.1007/978-1-4899-2608-1_23.

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Beaurepaire, Pierre-Yves. "L’« axiome » de Banks." In Diplomatie et mobilités. Publications de l’École française de Rome, 2024. https://doi.org/10.4000/12zgo.

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Cette contribution se focalise sur la proposition faite en 1796 par sir Joseph Banks, figure centrale des sciences impériales et naturalistes britanniques, d’« a complete armistice to science » durant les guerres franco-britanniques. Sans se laisser abuser par les postures de neutralité d’une République des sciences qui maintiendrait ses connexions transnationales pour favoriser le progrès universel des savoirs, il est intéressant d’étudier à partir de cas concrets, comme l’herbier de Jacques-Julien Houtou de La Billardière ou les collections d’André Michaux, la manière dont des dispositifs di
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V., Santhy, Nagamani Sandra, Kundapura V. Ravishankar, and Bhavya Chidambara. "Molecular Techniques for Testing Genetic Purity and Seed Health." In Seed Science and Technology. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-19-5888-5_15.

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AbstractWith the globalization of seed trade and transgenic variety development, the application of molecular technologies for seed quality gained more significance in both the internal and international markets. Besides germination, genetic purity and seed health are the two most important seed quality parameters that determine the planting value of a seed lot. Compared to the conventional methods of testing, molecular marker technologies are more efficient for quality analysis as these are more accurate, robust, abundant, and faster. Among the various markers, simple sequence repeats (SSRs),
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Conference papers on the topic "Universal banks"

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Elmorshedy, Mahmoud F., Seshagiri Rao Vemparala, M. S. Bhaskar, Dhafer Almakhles, Md Rabiul Islam, and Kashem M. Muttaqi. "Photovoltaic and Battery Banks with Universal Converter-Based Wireless Power Transmitter for Drone Applications." In 2024 IEEE Industry Applications Society Annual Meeting (IAS). IEEE, 2024. https://doi.org/10.1109/ias55788.2024.11023814.

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Labudović Stanković, Jasmina. "CENTRAL BANK AS LENDER OF LAST RESORT." In International scientific conference challenges and open issues of service law. Vol. 2. University of Kragujevac, Faculty of law, 2024. http://dx.doi.org/10.46793/xxmajsko2.087ls.

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Being the lender of last resort is one of the central bank's most important functions. In this paper, the author explains the origin, concept, importance of this function, as well as how the central bank acts as a lender of last resort, when it should act, ways of acting and what would happen if it did not perform this important function. As banks are subject to illiquidity, the paper pays attention to the concept of liquidity and explains the situations when banks become illiquid. The action of the central bank as a lender of last resort is socially beneficial because it stops the crisis, i.e
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VERSAL, Nataliia, Vasyl ERASTOV, and Mariia BALYTSKA. "IS DIGITAL 'NEW NORMAL' OR 'CHALLENGE' FOR BANKS UNDER COVID-19?" In International Scientific Conference „Contemporary Issues in Business, Management and Economics Engineering". Vilnius Gediminas Technical University, 2021. http://dx.doi.org/10.3846/cibmee.2021.608.

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Purpose – to reveal prerequisites of technology-enabled banking development in Lithuania, Poland, and Ukraine; to identify if digitalization was a beneficial factor in households deposits-raising during the COVID-19. Research methodology is twofold: analysis of digitalization index based on World Bank data as a premise of tech-nology-enabled banks development; beta-coefficient analysis and descriptive statistics – for digitalization influence assessment. Findings – digitalization index analysis showed that Lithuania has a more generous benefit in terms of digitalization. Poland and Ukraine fol
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Pavlovic, V., K. Ramchandran, and P. Moulin. ""Universal" transform image coding based on joint adaptation of filter banks, tree structures and quantizers." In Proceedings DCC '97. Data Compression Conference. IEEE, 1997. http://dx.doi.org/10.1109/dcc.1997.582130.

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Sinaga, Pidari, Budi Santoso, and Paramita Prananingtyas. "Application of Business Law Principles to Universal Rural Banks in Pontianak City in the Framework of the Indonesian G20 Presidency 2022." In International Seminar and Call for Paper Universitas 17 Agustus 1945 Jakarta. SCITEPRESS - Science and Technology Publications, 2022. http://dx.doi.org/10.5220/0011863300003582.

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Dervishaj, Arjela, and Aida Bitri. "Tech-Enabled Business Models in Banking for Financial Inclusion: A Systematic Literature Review." In 8th International Scientific Conference – EMAN 2024 – Economics and Management: How to Cope With Disrupted Times. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2024. https://doi.org/10.31410/eman.s.p.2024.111.

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Financial inclusion refers to the principle of ensuring universal ac­cess to fundamental banking services such as savings accounts, credit, and in­surance, irrespective of individuals’ economic or social circumstances. In today’s context, this equitable access is crucial for fostering active participation in eco­nomic activities. This involves breaking down barriers that historically limited access, especially for remote and financially disadvantaged groups, and lev­eraging technology to create more efficient and accessible financial process­es within financial service providers with a specifi
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Completions Team, Matador, and Jesse Street. "Simul-Frac Candidate Wells Identified in the Delaware Basin via Remote Operations." In SPE Hydraulic Fracturing Technology Conference and Exhibition. SPE, 2023. http://dx.doi.org/10.2118/212333-ms.

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Abstract The efficiencies observed in simul-frac operations are commonly associated with a singular, four-plus well pad containing an even number of wells. These efficiencies yield significant savings and reduction in overall completion time, expedite first-production and substantially reduce the time in which offset wells are shut in during frac operations. The introduction of remote simul-frac operations in the Delaware Basin, proven by Matador Resources Company in their Stateline asset, has removed this operational single-pad limitation by connecting adjacent multi-well pads and opening the
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ALTELMESSANI, Abdullah. "Multiport universal solar power bank." In Renewable Energy: Generation and Application. Materials Research Forum LLC, 2024. http://dx.doi.org/10.21741/9781644903216-43.

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Abstract. In an era of ubiquitous electricity dependence, the need for a reliable and portable power source is increasingly vital. This proposal advocates for the development of a solar-powered portable device capable of harnessing solar energy to charge itself and subsequently supply power to various electronic devices. The envisioned solution aims to address critical scenarios such as emergencies, where access to electricity is crucial, as well as recreational activities like camping, especially in remote locations. The proposed portable power bank will be equipped with solar panels for effi
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Bezrukov, I., I. Gayazov, A. Dyakov, et al. "Observations of giant pulses from B0531+21 at the Institute of Applied Astronomy." In Modern astronomy: from the Early Universe to exoplanets and black holes. Special Astrophysical Observatory of the Russian Academy of Sciences, 2024. https://doi.org/10.26119/vak2024.008.

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This paper presents the results of observations of giant pulses from the pulsar B0531+21 (the Crab Nebula pulsar) conducted at the Institute of Applied Astronomy of the Russian Academy of Sciences (RAS). The primary aim of the study was to establish a domestic monitoring service and compute the ephemerides for this pulsar. Observations commenced in mid-2023 using the RT-13 telescopes of the Quasar-KVO network, operating in the S, X, and Ka bands. To achieve the research goals, we utilized the VLBI (Very-Long-Baseline Interferometry) registration system along with specially developed software a
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Zheng, Jie, Hongyan Cui, Xiaoqiu Li, Lingge Meng, and Tian Wang. "The Clustering for Clients in a Bank Based on Big Data." In 2018 4th International Conference on Universal Village (UV). IEEE, 2018. http://dx.doi.org/10.1109/uv.2018.8642136.

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Reports on the topic "Universal banks"

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Kaufman, George G., and Randall S. Kroszner. How Should Financial Institutions and Markets be Structured?: Analysis and Options for Financial System Design. Inter-American Development Bank, 1997. http://dx.doi.org/10.18235/0011592.

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This paper analyzes the consequences of alternative financial structures for financial efficiency and stability. The focus is on the organizational structure of banks. Alternative bank structures range from 'narrow banks' to broad 'universal banks.' Each banking structure is assessed in its ability to satisfy the objectives of efficiency and stability in the financial system stability, economies of scale and scope, competition, avoiding regulatory capture, conflicts of interest and political manipulation, corporate control and management of financial distress, and monetary control. No one refo
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Gibbons, Steve, Marcella Klinker, and Estefania Murray. Managing Human Rights Risks in IDB Projects: Requirements of the IDB's Environmental and Social Policy Framework. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0004270.

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In November 2021, the Inter-American Development Banks (IDB) new Environmental and Social Policy Framework (ESPF) became effective. The IDB recognizes that human rights are central to its mission of improving lives and bringing sustainable development to the Latin America and the Caribbean (LAC) region. As such, the ESPF makes an explicit commitment to respecting internationally recognized human rights standards, including the International Bill of Rights, the International Labor Organizations Declaration on Fundamental Principles and Rights at Work, and other universal and regional instrument
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Seery, Emma, Anna Marriott, Katie Malouf Bous, and Rebecca Shadwick. From Catastrophe to Catalyst: Can the World Bank make COVID-19 a turning point for building universal and fair public healthcare systems? Oxfam, 2020. http://dx.doi.org/10.21201/2020.6928.

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COVID-19 has exposed the widespread failure to invest in strong and universal public health systems, putting millions of lives at risk and dramatically widening health inequalities. Oxfam analysed the World Bank’s emergency health funding to 71 countries in response to the pandemic. While its response has been rapid and significant, Oxfam finds that the World Bank has missed vital opportunities to strengthen public health systems so they can tackle COVID-19 and deliver health for all in the future. The research outlined in this briefing finds that 89% of World Bank projects do not plan to supp
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Shanks, Rachel, and Nneoma Dike. School Clothing in Scotland Research Brief. University of Aberdeen, 2023. http://dx.doi.org/10.57064/2164/22140.

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Summary and main findings 1.Twelve of the 32 local authorities automatically pay school clothing grant to families who receive a qualifying benefit administered by the local authority such as Housing Benefit or income-related Council Tax reduction. 2.School uniform banks report difficulties that are created for families through uniform policies, for example requiring 100% black shoes, items with logos, tartan and hard to find colours, such as turquoise or maroon. 3.In 2022-23 there was a drop in the number of children for whom school clothing grant was awarded while the percentage of children
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Santos, Cezar. Consumer Loans, Heterogeneous Interest Rates, and Inequality. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004812.

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Using the Brazilian administrative credit registry data with the universe of all consumer loans originated by banks in the country from 2013 to 2019, we document high borrowing interest rates, which vary systematically with individuals characteristics. In particular, even after controlling for several observable individual attributes (such as income, occupation, and default probabilities, low-income), individuals pay higher interest rates than high-income borrowers.
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van Dissel, Serge Cartier. Japan Fund for Prosperous and Resilient Asia and the Pacific Annual Report 2023. Asian Development Bank, 2024. http://dx.doi.org/10.22617/tcs240546-2.

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This annual report highlights how the Japan Fund for Prosperous and Resilient Asia and the Pacific (JFPR) worked with Asian Development Bank developing member countries in 2023 to reduce vulnerabilities in the region. In 2023, the JFPR funded projects worth $47.8 million focusing on four priority thematic areas of universal health coverage, climate change and disaster risk management, quality infrastructure investment, and public finance management, in addition to poverty reduction. JFPR activities in 2024 will focus on improving project operations, operationalizing priority thematic areas—inc
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Kozhevnikova, O. A. ELECTRONIC COLLECTION OF TEST TASKS FOR THE COURSE "FUNDAMENTALS OF PEDIATRICS AND HYGIENE" : A BANK OF QUESTIONS. SIB-Expertise, 2022. http://dx.doi.org/10.12731/er0530.21012022.

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The test tasks are compiled in accordance with the requirements of the Federal State Educational Standard in the direction of "Psychological and pedagogical education" and are designed to control the formation of the following universal general professional and professional competencies: OPK-1 (Able to carry out professional activities in accordance with regulatory legal acts in the field of education and professional ethics) and PC-6 (Capable of ensuring the protection of the life and health of students). Indicators of competence achievement are knowledge of the priority directions of the dev
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Ducci, Jorge, Javier Grau, María del Rosario Navia Díaz, Dougal Martin, Traci Kuratomi, and Alfredo Rihm. Water and Sanitation in Belize. Inter-American Development Bank, 2014. http://dx.doi.org/10.18235/0009154.

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In the last decade, Belize has seen major improvements in access to water, but it is behind in achieving universal access to improved sanitation facilities. Belize has also made progress in terms of the disposal of solid waste in the central and western regions, including in the largest urban area, Belize City. Despite these developments, there is a need to further improve the performance of these sectors, especially in terms of wastewater collection and treatment in urban areas throughout the country and solid waste collection and final disposal in the northern (Corozal and Orange Walk distri
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Harbitz, Mia Elisabeth. The Civil Registry: A Neglected Dimension of International Development. Inter-American Development Bank, 2013. http://dx.doi.org/10.18235/0009117.

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The right to a name and nationality is not only one of the most fundamental human rights but also a requirement to access to basic and essential services such as health and education. This right is exercised through an effective and universal civil registration. It also allows for reliable vital statistics and higher levels of transparency and efficacy that provides the foundation for inclusive public policies, especially social programs. Thus civil registry, legal identity and identity management (Id-M) are central elements for social and economic development. On the international stage, the
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Staking, Kim B., and Antonio Vives. Financial Intermediation and Policy-Based Lending: Policy Recommendations for Latin America and the Caribbean. Inter-American Development Bank, 1997. http://dx.doi.org/10.18235/0011607.

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This paper discusses the conditions under which policy-based lending may further economic development within a Latin American and Caribbean context, given the current state of financial markets in most countries of the region. The discussion is intended as a conclusion to the articles presented at the Conference on Policy Based Finance and Alternatives for Financial Market Development, many of which are included in this book. In some degree, this chapter is an attempt at a compromise; a position that does not recommend a formal adoption of policy based finance as it exists in East Asia, but ra
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