The asset/liability structure of the Philippine banks and non-bank financial institutions in 2000s : a preliminary study for financial access analyses

Based on the consolidated statements data of the universal/commercial banks (UKbank) and non-bank financial institutions with quasi-banking licenses, this paper presents a keen necessity of obtaining data in detail on both sides (assets and liabilities) of their financial conditions and further analyses. Those would bring more adequate assessments on the Philippine financial system, especially with regard to each financial subsector's financing/lending preferences and behavior. The paper also presents a possibility that the skewed locational and operational distribution exists in the non-UKbank financial subsectors. It suggests there may be a significant deviation from the authorities' (the BSP, SEC and others) intended/anticipated financial system in the banking/non-bank financial institutions' real operations.

Experimental analysis of energy savings and hygrothermal conditions improvement by means of air curtaines in stores with intensive pedestrian traffic

Current worldwide building legislation requirements aim to the design and construction of technical services that reduce energy consumption and improve indoor hygrothermal conditions. The retail sector in Spain, with a lot of outdated technical systems, demands energy conservation measures in order to reduce the increasingly electrical consumption for cooling. Climatic separation with modern air curtains and advanced hygrothermal control systems enables energy savings and can keep suitable indoor air temperature and humidity of stores with intense pedestrian traffic, especially when located in hot humid climates. As stated in the article, the energy savings in commercial buildings with these systems exceeds 30%

Building European Defence: An Architect and a Bank. Security Policy Brief No. 56, May 2014

If a set of investors plan a grand apartment building in which they can each afford just one apartment, they need an architect to design a building that is both affordable and that meets all their needs, to negotiate with the constructor, and to ensure follow-up. When building capabilities for European defence, the sole possible architect is the European Defence Agency (EDA). Those who have to reach consensus and invest are the EU Member States. And there is even a European Investment Bank (EIB) to assist them.

The Civil Code of the Federal District and territories. A translation, with an appendix as to the civil codes of the various Mexican states, explanatory notes, etc.

Index: p. [i]-ix.

Return migration, migrants' savings and sending countries' economic development : lessons from Europe /

"May 1990."

Onsite wastewater disposal alternatives, Federal, State, and local involvement.

Mode of access: Internet.

Need for a Government-wide budget classification structure for Federal research and development information : report to the Congress /

Publication date stamped on cover.

Managing Federal assistance in the 1980's : a report to the Congress of the United States pursuant to the Federal Grant and cooperative agreement act of 1977 (Pub. L. 95-224)

Mode of access: Internet.