Comparative analysis of Spanish Banks’ Standalone credit profile

The paper studies the relationship between four differently rated bank’s financial profile and their standalone credit rating issued by Moody’s. The comparative analysis shows an example that despite their pricing power and geographical coverage, larger banks do not necessarily have better credit ratings. Instead, business model and risk appetite seem to be the defining factors of banks’ vulnerability to shocks, such as the Spanish real estate crisis. The risk-return relationship is also identified in the banks’ fundamentals meaning that while expansionary strategy in riskier asset classes enhances margins, it also potentially distorts the credit risk profile.

Integration of forest fire management with SDI: user requirements.

Dissertation submitted in partial fulfilment of the requirements for the Degree of Master of Science in Geospatial Technologies.

An approach to teach Calculus/Mathematical Analysis (for engineering students) using computers and active learning – its conception, development of materials and evaluation

Dissertação para obtenção do Grau de Doutor em Ciências da Educação

Perspectives of Identity in Julio Cortázar’s Rayuela

My aim was to produce a dissertation, based on Rayuela, which focuses on Cortázar’s questioning of identity. With this objective in mind, I have studied some of the salient elements in the novel that relate to this topic and the subsequent, interrelated, areas of study that arose in doing so. The cities of Paris and Buenos Aires are placed in contrast within the novel and reflect a dichotomy that reflects Oliveira’s condition as a “foreigner,” (more specifically as a South American in Europe). This duality is further reflected in Cortázar’s use of gender, and the development of the notions of active and passive, and an investigation into the traditional modes of thought, symbols, and stereotypes, and an open-ended questioning of their validity. These topics are framed by a notion of Judeo-Christian History that is in many ways flawed and, as such, contrasts with a more intuitive (or “oriental”) perception of reality, which is centred in figures such as la Maga. I found many explicit references to Zen philosophy, and related oriental references, that led me to believe that this area was worthy of further investigation. Rayuela is considered a classic novel within the canon of Spanish language literature. It’s famous “tabla,” like the rules for a game between the writer and the receptor that produce alternative readings, has led to many discussions regarding the novel’s structure and form, and also created a certain amount of polemic with the use of concepts such as the “lector hembra.” Many consider Cortázar a greater short story writer than a novelist, but nevertheless this novel had a profound effect on young readers upon its publication, much to Cortázar’s surprise, and continues to attract readers, dealing as it does with issues that continue to be relevant to many people.

Construção e utilização de equipamentos de baixo custo para ensino de Física

Experimental work has been taking a great importance in Science curricula in several countries. This fact is now changing the conception of the role of the laboratory in the classroom. This role no longer seen as an instrument to illustrate or confirm some concepts but became the essential place of the learning process in Science. However, the implementation of several experimental procedures frequently faces equipment limitations, whether because those indicated in textbooks do not exist in schools due to prohibitive costs for most school budgets, or because their use is far too complex to be done by students. In this dissertation, a few examples of experimental equipment, made with day-today supplies is analyzed, as well as those that can be acquired at low prices and might have high positive effect in the Science learning process. We also discuss some relevant equipment in the teaching of Physics that can be created by teachers and students in schools, as part of curricular or non curricular subject areas such as “Área de Projecto” in the twelfth grade. These equipments, easy to conceive and produce with reasonable costs resources, when compared to the commercial equipment, which are much more expensive, presents very good experimental results.