Risk and Regulation: The Efficiency of Italian Cooperative Banks

In this paper we analyse the determination of cost efficiency in a sample of Italian small banks located in different geographical areas and including two great institutional categories: cooperative banks (CB’s) and other banks. We highlight the effect of environmental factors (asset quality, local GDP per capita) on banks’ performance, and provide novel evidence in favour of the “bad luck” hypothesis suggested by Berger and De Young (Journal of Banking and Finance, 1997). Local GDP per capita strongly affects the territorial differentials for technical efficiency, especially for CB’s. This can be easily rationalised, as current regulations hamper CB’s vis-à-vis other banks in their capability to diversify territorially. Our estimates provide us with a tentative quantitative measure of the costs of missing diversification, ranging between 2 and 7 percentage points. Correspondingly, our evidence suggests that there is potentially strong endogeneity in some currently available bank performance indicators.Cooperative banks, Cost efficiency, Local shocks, Territorial diversification

Dibujar "con" luz: Una manera de aprender a mirar en la etapa de lectura y registro

Ponencia presentada en el V Congreso Internacional de Profesores de Expresión Grafica en Ingeniería, Arquitectura y Áreas Afines. Rosario, Santa Fé. 2014Como docentes en el área de "La Representación" pensamos que es importante definir aspectos conceptuales de la fotografía antes de abordar la problemática específica en su relación con la enseñanza de la expresión gráfica en el ciclo inicial de las respectivas carreras. El concepto representar significa: Hacer presente algo con palabras o figuras que la imaginación retiene. Lo que puede tratarse como la idea o imagen que sustituye a la realidad, aquello que se hace otra vez presente, lo cual implica volver a conocer, re-conocer. Para ello se necesita algo a través de lo cual se haga visible, algo que medie para hacerlo presente. A lo largo del tiempo el hombre ha tenido la necesidad de expresar y de compartir sus experiencias, las cuales, más allá de la forma que adopten, comienzan siendo privadas hasta que se decide, por alguna vía comunicarlas, paso que las convierte en una experiencia social. Existen diferentes formas - medios - modos de socializar las experiencias, entre las de carácter mimético está la fotografía, sobre la cual profundizaremos. Si reflexionamos acerca de la lógica que cada sistema de re-presentación tiene, según su naturaleza generativa, los factores estructurales, cómo sea su aprendizaje y/o los medios de implementación se pueden enunciar los objetivos de su uso, que devienen de las intenciones construidas por el sujeto en el acto de capturar ese fragmento de espacio-tiempo. La etimología de la palabra fotografía nos permite arribar a una idea de su significado. El término es construido del griego y se trata de dos palabras: FOTO + GRAFÍA. Foto: Del griego Phos y traduce "luz". Grafía: del griego "Graphis" y "Graphos". Se hace evidente que la palabra "Graphos" incluye "phos" la cual se traduce en "diseñar", "escribir" que abarca el "graficar" y "dibujar". Hay fotografía si hay una cámara, ambas son inseparables. Pero la fotografía existe, si existe un sujeto con la intensión de plasmar esa tridimensión en la bidimensión mimética de un fenómeno bajo la Luz. La fotografía es arte, arte como acto mediante el cual nos expresamos, creando aquello que es material, haciendo uso de la imagen, y a su vez estimulando la imaginación de los demás. Ahora bien, si nos expresamos, significa que nos manifestamos con una "mirada" personal. En fotografía, es indispensable "saber mirar", y por ello hay que "aprender a mirar". Pero ese mirar, no solo debe ser para expresarnos, sino que además debe estar acompañado de un concepto que el arte y el diseño requieren de la fotografía: Componer. En las cátedras de Sistemas de Representación I y Sistemas Gráficos de Expresión B, de la FAUD-UNC, la fotografía es una herramienta para mirar, reflexionar, pensar y representar en la meta del diseñar. Es nuestra intensión, reflexionar acerca de cómo incide este medio en el proceso de pensamiento para aprender a representar.Fil: Barra, Silvina. Universidad Nacional de Córdoba. Facultad de Arquitectura, Urbanismo y Diseño; ArgentinaFil: Bonafé, Silvana. Universidad Nacional de Córdoba. Facultad de Arquitectura, Urbanismo y Diseño; ArgentinaFil: Priotti, Sergio. Universidad Nacional de Córdoba. Facultad de Arquitectura, Urbanismo y Diseño; ArgentinaOtras Ingenierías y Tecnología

Shear Modulus of an Elastic Solid under External Pressure as a function of Temperature: The case of Helium

The energy of a dislocation loop in a continuum elastic solid under pressure is considered within the framework of classical mechanics. For a circular loop, this is a function with a maximum at pressures that are well within reach of experimental conditions for solid helium suggesting, in this case, that dislocation loops can be generated by a pressure-assisted thermally activated process. It is also pointed out that pinned dislocations segments can alter the shear response of solid helium, by an amount consistent with current measurements, without any unpinning.Comment: 5 pages, 3 figure

Comparison of visual risk assessment methods applied in street trees of Montevideo city, Uruguay

Risk assessment of urban trees is an incipient practice in Latin America, generally performed with foreign methods, due to the lack of qualified personnel and locally validated or adapted methodology. This article evaluates the application of three methods on street trees in Montevideo city, Uruguay: Tree Hazard Risk Evaluation and Treatment System (THREATS), Quantified Tree Risk Assessment (QTRA) and Best Management Practices - Tree Risk Assessment (ISA BMP). Three assessors with similar experience applied three methods in 36 trees of three widely used genera, totaling 324 assessments and 1,296 data. The methods were decomposed into the components: Likelihood of Failure, Likelihood of Impact, Consequence and Risk Rating. The data were statistically analyzed through a generalized linear mixed model (p<0.05), for the factors: assessor, method, genus, and their interactions. Results showed no significant differences among assessors, but there were differences among methods, specifically for the Likelihood of Impact and Risk Rating components. The ISA BMP method presented higher means in these last two components. Still, this method is suggested for street trees in Montevideo until a more appropriate method is adapted or developed for local conditions. Highlights No significant differences were found among assessors, which encourages standard training for all assessors. The ISA BMP method presented the highest results for the likelihood of impact and risk rating. Target occupation rate influenced differences among genera found for the likelihood of impact component. The ISA BMP method is suggested for street trees risk assessment in Montevideo, until a method is adapted or developed. The absence of descriptors and categorizations, as well as the application time, need to be improved.Risk assessment of urban trees is an incipient practice in Latin America, generally performed with foreign methods, due to the lack of qualified personnel and locally validated or adapted methodology. This article evaluates the application of three methods on street trees in Montevideo city, Uruguay: Tree Hazard Risk Evaluation and Treatment System (THREATS), Quantified Tree Risk Assessment (QTRA) and Best Management Practices - Tree Risk Assessment (ISA BMP). Three assessors with similar experience applied three methods in 36 trees of three widely used genera, totaling 324 assessments and 1,296 data. The methods were decomposed into the components: Likelihood of Failure, Likelihood of Impact, Consequence and Risk Rating. The data were statistically analyzed through a generalized linear mixed model (p<0.05), for the factors: assessor, method, genus, and their interactions. Results showed no significant differences among assessors, but there were differences among methods, specifically for the Likelihood of Impact and Risk Rating components. The ISA BMP method presented higher means in these last two components. Still, this method is suggested for street trees in Montevideo until a more appropriate method is adapted or developed for local conditions. Highlights No significant differences were found among assessors, which encourages standard training for all assessors. The ISA BMP method presented the highest results for the likelihood of impact and risk rating. Target occupation rate influenced differences among genera found for the likelihood of impact component. The ISA BMP method is suggested for street trees risk assessment in Montevideo, until a method is adapted or developed. The absence of descriptors and categorizations, as well as the application time, need to be improved

Enabling the Evaluation of Driver Physiology Via Vehicle Dynamics

Driving is a daily routine for many individuals across the globe. This paper presents the configuration and methodologies used to transform a vehicle into a connected ecosystem capable of assessing driver physiology. We integrated an array of commercial sensors from the automotive and digital health sectors along with driver inputs from the vehicle itself. This amalgamation of sensors allows for meticulous recording of the external conditions and driving maneuvers. These data streams are processed to extract key parameters, providing insights into driver behavior in relation to their external environment and illuminating vital physiological responses. This innovative driver evaluation system holds the potential to amplify road safety. Moreover, when paired with data from conventional health settings, it may enhance early detection of health-related complications.Comment: 7 pages, 11 figures, 2023 IEEE International Conference on Digital Health (ICDH

Aneuploid IMR90 cells induced by depletion of pRB, DNMT1 and MAD2 show a common gene expression signature.

Chromosome segregation defects lead to aneuploidy which is a major feature of solid tumors. How diploid cells face chromosome mis-segregation and how aneuploidy is tolerated in tumor cells are not completely defined yet. Thus, an important goal of cancer genetics is to identify gene networks that underlie aneuploidy and are involved in its tolerance. To this aim, we induced aneuploidy in IMR90 human primary cells by depleting pRB, DNMT1 and MAD2 and analyzed their gene expression profiles by microarray analysis. Bioinformatic analysis revealed a common gene expression profile of IMR90 cells that became aneuploid. Gene Set Enrichment Analysis (GSEA) also revealed gene-sets/pathways that are shared by aneuploid IMR90 cells that may be exploited for novel therapeutic approaches in cancer. Furthermore, Protein-Protein Interaction (PPI) network analysis identified TOP2A and KIF4A as hub genes that may be important for aneuploidy establishment

Inteligencia emocional

156 p.La investigación busca medir la Inteligencia Emocional en los estudiantes de los dos últimos altos de la carrera de Ingeniería Comercial menci6n Administraci6n de la Universidad de Chile y estudiantes de los dos últimos altos de la carrera de Ingeniería Comercial menci6n Administraci6n de la Universidad de Talca. El estudio contempla una comparación de los estudiantes para ver si existe una diferencia significativa en la Inteligencia Emocional de estos, el cual puede ser una herramienta importante que influirá en el desempeño de estos futuros profesionales del Área de los negocios; el estudio evalúa además, la dependencia de algunos factores demográficos con las categorías favorable o desfavorable de la Inteligencia Emocional. La medición se realizó a través de la aplicaci6n del único test estadísticamente confiable para la Inteligencia Emocional estructurado por Robert Cooper y Ayman Sawaf, publicado en su libro "La Inteligencia Emocional aplicada al liderazgo y a las organizaciones", que tiene como objetivo medir el grado de Inteligencia Emocional que posee cada persona. Los resultados obtenidos en esta investigación son que existe diferencia a favor entre la Universidad de Chile y la Universidad de Talca en lo que respecta a la Inteligencia Emocional de los estudiantes de dichas casas de estudio, siendo esta diferencia a favor de la Universidad de Chile; no se puede dar a conocer en que categoría especifica se encuentran los estudiantes de las distintas universidades, aun cuando en el análisis descriptivo se observa que los alumnos de la Universidad de Chile tienden a la categoría destreza y los alumnos de la Universidad de Talca tienden a la categoría de Vulnerabilidad, el análisis inferencial arroja que la proporci6n de alumnos que se encuentran en estas categorías no es significativamente mayor a la proporción de alumnos que se encuentran en las otras categorías.corregir acento mención administracio

Sports-related sudden cardiac arrest in young adults

AIMS Data on sports-related sudden cardiac arrest (SrSCA) among young adults in the general population are scarce. We aimed to determine the overall SrSCA incidence, characteristics, and outcomes in young adults. METHODS AND RESULTS Prospective cohort study of all cases of SrSCA between 2012 and 2019 in Germany and Paris area, France, involving subjects aged 18-35 years. Detection of SrSCA was achieved via multiple sources, including emergency medical services (EMS) reporting and web-based screening of media releases. Cases and aetiologies were centrally adjudicated. Overall, a total of 147 SrSCA (mean age 28.1 ± 4.8 years, 95.2% males) occurred, with an overall burden of 4.77 [95% confidence interval (CI) 2.85-6.68] cases per million-year, including 12 (8.2%) cases in young competitive athletes. While bystander cardiopulmonary resuscitation (CPR) was initiated in 114 (82.6%), automated external defibrillator (AED) use by bystanders occurred only in a minority (7.5%). Public AED use prior to EMS arrival (odds ratio 6.25, 95% CI 1.48-43.20, P = 0.02) was the strongest independent predictor of survival at hospital discharge (38.1%). Among cases that benefited from both immediate bystander CPR and AED use, survival rate was 90.9%. Coronary artery disease was the most frequent aetiology (25.8%), mainly through acute coronary syndrome (86.9%). CONCLUSION Sports-related sudden cardiac arrest in the young occurs mainly in recreational male sports participants. Public AED use remains disappointingly low, although survival may reach 90% among those who benefit from both bystander CPR and early defibrillation. Coronary artery disease is the most prevalent cause of SrSCA in young adults

Sports-related sudden cardiac arrest in young adults

Aims Data on sports-related sudden cardiac arrest (SrSCA) among young adults in the general population are scarce. We aimed to determine the overall SrSCA incidence, characteristics, and outcomes in young adults. Methods and results Prospective cohort study of all cases of SrSCA between 2012 and 2019 in Germany and Paris area, France, involving subjects aged 18–35 years. Detection of SrSCA was achieved via multiple sources, including emergency medical services (EMS) reporting and web-based screening of media releases. Cases and aetiologies were centrally adjudicated. Overall, a total of 147 SrSCA (mean age 28.1 ± 4.8 years, 95.2% males) occurred, with an overall burden of 4.77 [95% confidence interval (CI) 2.85–6.68] cases per million-year, including 12 (8.2%) cases in young competitive athletes. While bystander cardiopulmonary resuscitation (CPR) was initiated in 114 (82.6%), automated external defibrillator (AED) use by bystanders occurred only in a minority (7.5%). Public AED use prior to EMS arrival (odds ratio 6.25, 95% CI 1.48–43.20, P = 0.02) was the strongest independent predictor of survival at hospital discharge (38.1%). Among cases that benefited from both immediate bystander CPR and AED use, survival rate was 90.9%. Coronary artery disease was the most frequent aetiology (25.8%), mainly through acute coronary syndrome (86.9%). Conclusion Sports-related sudden cardiac arrest in the young occurs mainly in recreational male sports participants. Public AED use remains disappointingly low, although survival may reach 90% among those who benefit from both bystander CPR and early defibrillation. Coronary artery disease is the most prevalent cause of SrSCA in young adults