Wild bank voles (Clethrionomys glareolus) may develop diabetes in laboratory captivity. The aim of this study was to test whether bank voles develop type 1 diabetes in association with Ljungan virus. Two groups of bank voles were analyzed for diabetes, pancreas histology, autoantibodies to glutamic acid decarboxylase (GAD65), IA-2, and insulin by standardized radioligand-binding assays as well ...

This paper aims to identify factors distinguish Islamic and conventional bank customers in Indonesia. It tries to relate between bank customers’ religiosity, assessment upon certain factors such as bank performance, bank advertisement and main reasons of using banking services towards their decision on which bank they had joined. Logistic regression and neural networks models are used to answer...

This paper examines the earnings management behavior of Japanese merger acquirers on the Tokyo Stock Exchange. Most Japanese mergers are transacted via stock swaps, when acquirers have incentive to manage pre-merger earnings to reduce the cost of acquisition. Consistent with this incentive, Japanese acquirers have significantly positive long-term abnormal accruals in the year prior to the merge...

I address the following issue in this paper: how does information sharing among banks about borrowers affect banks’ competition, and ultimately, the interest rate borrowers pay for the loan they take? One would expect that full information sharing among banks reduces lenders’ risk and results in lower lending rates than any other arrangement. This may be the reason why regulators of the banking...

the purpose of this study is the feasibility of customer relationship management implementation from employees and managers' perspective of melli bank in esfahan city by using structural equation modeling (sem). this study is applicable in terms of purpose and descriptive –survey in terms of method. the sample population of this study was employees and managers of melli bank in esfahan cit...

This paper investigates the mechanism through which short selling of a bank’s stocks can trigger the failure of the bank. In the model, creditors, who learn information from stock prices, will grow increasingly unsure about the bank’s true fundamentals in facing noisier stock prices; thus a run on the bank is more likely because of creditors’ concave payo¤. Understanding this, speculators condu...

This paper investigates macroeconomic effects of bank regulation in a continuoustime macro-finance framework with both bond-financing and bank-financing. Risky firms appreciate bank credit because banks are efficient at liquidating assets for troubled firms. However, risky firms must pay the risk premium for banks’ exposure to aggregate risks. Our framework captures the feature that the cost of...

In this paper, we present a new structure for linear−phase filter banks without redundancy, which have unequal−length filters at each subband. First, we extend the simplified lattice structure of the linear−phase filter bank to the unequal−length linear−phase paraunitary filter bank. In general, the unequal−length linear−phase paraunitary filter bank has equal−length filters at both the analysi...

A new filter bank approach for speaker recognition front-end is proposed. The conventional mel-scaled filter bank is replaced with a speaker-discriminative filter bank. Filter bank is selected from a library in adaptive basis, based on the broad phoneme class of the input frame. Each phoneme class is associated with its own filter bank. Each filter bank is designed in a way that emphasizes disc...

We analyze the transmission effects of monetary policy in a general equilibrium model of the financial sector, with bank lending and securities markets. Bank lending is constrained by capital adequacy requirements, and asymmetric information adds a cost to outside bank equity capital. In our model, monetary policy does not affect bank lending through changes in bank liquidity; rather, it operat...