Federal reserve banks : inaccurate reporting of currency at the Los Angeles Branch : report to the Ranking Minority Member, Committee on Banking and Financial Services, House of Representatives /

"B-274060"--P. 1.

In the bank or on the ground : an examination of financial reserves in Australian international aid organisations

This study contributes to the understanding of the contribution of financial reserves to sustaining nonprofit organisations. Recognising the limited recent Australian research in the area of nonprofit financial vulnerability, it specifically examines financial reserves held by signatories to the Code of Conduct of the Australian Council for International Development (ACFID) for the years 2006 to 2010. As this period includes the Global Financial Crisis, it presents a unique opportunity to observe the role of savings in a period of heightened financial threats to sustainability. The need for nonprofit entities to maintain reserves, while appearing intuitively evident, is neither unanimously accepted nor supported by established theoretic constructs. Some early frameworks attempt to explain the savings behaviour of nonprofit organisations and its role in organisational sustainability. Where researchers have considered the issue, its treatment has usually been either purely descriptive or alternatively, peripheral to a broader attempt to predict financial vulnerability. Given the importance of nonprofit entities to civil society, the sustainability of these organisations during times of economic contraction, such as the recent Global Financial Crisis, is a significant issue. Widespread failure of nonprofits, or even the perception of failure, will directly affect, not only those individuals who access their public goods and services, but would also have impacts on public confidence in both government and the sectors’ ability to manage and achieve their purpose. This study attempts to ‘shine a light’ on the paradox inherent in considering nonprofit savings. On the one hand, a public prevailing view is that nonprofit organisations should not hoard and indeed, should spend all of their funds on the direct achievement of their purposes. Against this, is the commonsense need for a financial buffer if only to allow for the day to day contingencies of pay rises and cost increases. At the entity level, the extent of reserves accumulated (or not) is an important consideration for Management Boards. The general public are also interested in knowing the level of funds held by nonprofits as a measure of both their commitment to purpose and as an indicator of their effectiveness. There is a need to communicate the level and prevalence of reserve holdings, balancing the prudent hedging of uncertainty against a sense of resource hoarding in the mind of donors. Finally, funders (especially governments) are interested in knowing the appropriate level of reserves to facilitate the ongoing sustainability of the sector. This is particularly so where organisations are involved in the provision of essential public goods and services. At a scholarly level, the study seeks to provide a rationale for this behaviour within the context of appropriate theory. At a practical level, the study seeks to give an indication of the drivers for savings, the actual levels of reserves held within the sector studied, as well as an indication as to whether the presence of reserves did mitigate the effects of financial turmoil during the Global Financial Crisis. The argument is not whether there is a need to ensure sustainability of nonprofits, but rather how it is to be done and whether the holding of reserves (net assets) is an essential element is achieving this. While the study offers no simple answers, it does appear that the organisations studied present as two groups, the ‘savers’ who build reserves and keep ‘money in the bank’ and ‘spender-delivers’ who put their resources ‘on the ground’. To progress an understanding of this dichotomy, the study suggests a need to move from its current approach to one which needs to more closely explore accounts based empirical donor attitude and nonprofit Management Board strategy.

Are Some Indian Bank Too Large? A Examination of Size Efficiency in Indian Banking

In this paper we use data from the years 1997 through 2003 to evaluate the size efficiency of Indian banks. Following Maindiratta (1990) we consider a bank to be too large if breaking it up into a number of smaller units would result in a larger output bundle than what could be produced from the same input by a single bank. When this is the case, the bank is not size efficient. Our analysis shows that many of the banks are, in deed, too large in various years. We also find that often a bank is operating in the region of diminishing returns to scale but is not a candidate for break up.

An examination of the sufficiency of capital adequacy guidelines for government security dealers proposed by the Federal Reserve Bank of New York, New York City : hearing before the Subcommittee on Domestic Monetary Policy of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-eighth Congress, second session, May 31, 1984.

Distributed to some depository libraries in microfiche.

An examination of the evidence taken before the committee of secrecy,on the Bank of England charter.

Mode of access: Internet.

Remarks upon the Bank of the United States, being an examination of the Report of the Committee of Ways and Means, made to Congress, April, 1830.

Microfilm. Ann Arbor, Mich., Xerox University Microfilms, 1972. 35 mm. (American Culture Series, reel 534.4)

An examination of the banking system of Massachusetts : in reference to the renewal of the bank charters.

Microfilm. Ann Arbor, Mich., Xerox University Microfilms, 1974. 35 mm. (American Culture Series, reel 589.15)

Reply to a pamphlet entitled "A brief exposition of matters relating to the Bank of Maryland" : with an examination into some of the causes of the bankruptcy of that institution.

Goldsmiths'-Kress no. 28639.33.

An examination of the report of the Joint Stock Bank Committee, &c. &c.

Goldsmiths'-Kress no. 29938.

Annotated record of the detailed examination of Mn deposits in the submarine canyons off George Bank taken by the R/V ATlantis in 1939

New surveys were completed and data from the field sheets were kindly furnished by the U. S. Coast and Geodetic Survey to the Woods Hole Oceanographic Institution for use in dredging and coring operations. This field work, first reported in 1936, was continued from time to time until 1941 as new soundings became available. Rock dredging and coring has been carried out in every major canyon on the slope from Corsair Canyon at the tip of Georges Bank to Norfolk Canyon off the entrance to the Chesapeake. Numerous cores have also been taken from the areas in between; and while the whole slope from Georges to the Chesapeake has not been covered, it is believed that no significant areas have been missed. In the following report the tows and cores will be described by areas from Georges Bank southwards, as the same region was revisited in successive years. The various samples, however, will be referred to by number followed by the year in which they were taken. The material is in storage in the Woods Hole Oceanographic Institution and in the Museum of Comparative Zoology at Harvard University.

Annotated record of the detailed examination of Mn micronodules from stations over George Bank, Atlantic Ocean

Ferromanganese micronodules have been found on Georges Bank, off the U.S. northeast coast, distributed throughout the surficial sediments within an area about 125 km long and at least 12 km wide. These coarse, sand-sized concretions have precipitated from metal-rich interstitial waters and contain many of the textural and structural features common to other neritic nodules. Most of the nodules have accreted around detrital grains, and X-ray powder diffraction analyses indicate the presence of geothite and vernadite ( delta -MnO sub(2)) in the ferromanganese layers. Chemical analyses of the micronodules, when compared with similar data on deep-sea manganese nodules, reveal lower Mn/Fe ratios, significantly higher concentrations of V and As, comparable values of Mo, and an order of magnitude less of Co, Ni, Ce and most other, metals.

Seasonal variation in the distribution and availability of Carangids ("Paraw" and "Parati") in the Wadge Bank

The Wadge Bank has been exploited regularly by Ceylon based trawlers since 1955 (Sivalingam & Medcof 1957). The bank is about 4,000 sq. miles in extent (Malpas 1926) and is located south of Cape Comorin within the Continental Shelf of India (Fig. 1). Carangids are taken in large numbers during the months of the south west monsoon (Sivalingam 1966). The quantity, in which the Carangids are captured as shown by the fishing records, is large enough to influence the total catch from the bank during these months (Fig. 2). Carangids are held in high esteem as excellent quality food fishes and accordingly constitute a commercially important group. This paper records the results of a detailed examination of the past fishing records in respect of this group, based on the analysis of the catch and fishing effort for the years 1957 to 1962. The distribution pattern of this group of fish in the Wadge Bank is discussed.

The making of a void sovereignty: political implications of the military checkpoints in the West Bank

Research on the Israeli checkpoints in the West Bank has emphasized not only that these checkpoints have dire implications for the Palestinians living there, at the personal, familial, and communal levels, and devastating eff ects on the Palestinian economy, but also that they have far-reaching consequences for the ability of the Palestinians to establish an independent political entity. At the same time, analysis of the Israeli forms of domination over the Palestinians has also stressed the role of a Palestinian governing authority in sustaining the Israeli rule, since the former relieves the latter of its responsibility to care for the occupied Palestinian population. This paper aims to address this apparent contradiction claiming that a comprehensive analysis of Israeli forms of domination requires a spatial examination of the operation of sovereignty with an assessment of governmentalizing arrays. This combined analysis suggests that a Palestinian sovereignty, but one which is emptied of its actual ruling power, is construed at the checkpoints as an epiphenomenon of Israeli apparatuses of control. © 2013 Pion and its Licensors.

An examination of cross-border strategies in banking

The paper examines the process of bank internationalisation and explores how banks become international organisations and what this involves. It also makes an assessment of the significance of their international operations and determines whether banks are truly global organisations. The empirical data are based on the 60 largest banks in the world and content analysis is used to categorise the information into the eight international strategies of Atamer, Calori, Gustavsson, and Menguzzato-Boulard [Internationalisation strategies. In R. Calori, T. Atamer, & P. Nunes (Eds.), The dynamics of international competition – from practice to theory, strategy series (pp. 162–206). London: Sage (2000)] and Bryan, Fraser, Oppenheim, and Rall [Race for the World strategies to build a great global firm. Boston, MA: Harvard Business School Press (1999)]. The findings suggest that the majority of banks focus on countries or geographic regions in which they have some sort of cultural or economic affinity. Moreover, apart from a relatively small number of very large banks, they are international rather than truly global organisations.

The dynamics of specialist development banking: the case of the agriculture development bank of Trinidad and Tobago

Includes bibliography