Management von Reputationsrisiken in Banken

Die Reputation einer Bank ist von grosser Bedeutung für die Sicherung einer nachhaltigen Rentabilität. Sie wird definiert als der aus Wahrnehmungen der Anspruchsgruppen resultierende öffentliche Ruf einer Bank bezüglich ihrer Kompetenz, Integrität und Vertrauenswürdigkeit. Reputationsrisiken bestehen in der Gefahr einer negativen und der Chance einer positiven Abweichung der Reputation einer Bank vom erwarteten Niveau. Zur Abgrenzung von anderen Risikokategorien können Reputationsrisiken auch als reputationswirksamer Teil der operationellen und der Finanzrisiken bezeichnet werden. Schlagend werdende Reputationsrisiken wirken sich über Handlungen und Reaktionen der Anspruchsgruppen zum Vor- oder Nachteil der Bank aus und führen entsprechend zu Marktwertgewinnen oder -verlusten. Die damit verbundenen Kosten- und Erlöswirkungen sind ex ante nicht quantifizierbar. Dem aktiven Reputationsmanagement kommt die Aufgabe zu, Reputationsrisiken in einem gezielten Prozess zu definieren, zu identifizieren, zu messen und zu steuern ..

Neutral Pions with Large Transverse Momentum in d+Au and Au+Au Collisions

Measurements of transverse-momentum p_T spectra of neutral pions in Au+Au and d+Au collisions at sqrt{s_NN}=200 GeV and 62.4 GeV by the PHENIX experiment at RHIC in comparison to p+p reference spectra at the same sqrt{s_NN} are presented. In central Au+Au collisions at sqrt{s_NN}=200 GeV a factor 4-5 suppression for neutral pions and charged hadrons with p_T > 5 GeV/c is found relative to the p+p reference scaled by the nuclear overlap function . In contrast, such a suppression of high-p_T particles is absent in d+Au collisions independent of the centrality of the collision. To study the sqrt{s_NN} dependence of the suppression Au+Au collisions at sqrt{s_NN}=200 GeV and 62.4 GeV are compared.Comment: 7 pages, 5 figures, presented at Hot Quarks 2004, Taos, N

Matching Regge Theory to the OPE

The spectra of masses and decay constants for non-strange meson resonances in the energy range 0--2.5 GeV is analyzed. It is known from meson phenomenology that for given quantum numbers these spectra approximately follow linear trajectories with a universal slope. These facts can be understood in terms of an effective string description for QCD. For light meson states the trajectories deviate noticeably from the linear behavior. We investigate the possible corrections to the linear trajectories by matching two-point correlators of quark currents to the Operator Product Expansion (OPE). We find that the allowed modifications to the linear Regge behavior must decrease rapidly with the principal quantum number. After fitting the lightest states in each channel and certain low-energy constants the whole spectrum for meson masses and residues is obtained in a satisfactory agreement with phenomenology. We briefly speculate on possible implications for the QCD effective string.Comment: 24 pages, Latex, significant changes in discussion of fits, more refs adde

Clinical radiography education across Europe

Purpose: To establish a picture of clinical education models within radiography programmes across Europe by surveying higher education institutions registered as affiliate members of the European Federation of Radiography Societies (EFRS). Method: An online survey was developed to ascertain data on: practical training, supervisory arrangements, placement logistics, quality assurance processes, and the assessment of clinical competencies. Responses were identifiable in terms of educational institution and country. All educational institutions who were affiliate members at the time of the study were invited to participate (n=46). Descriptive and thematic analyses are reported. Results: A response rate of 82.6% (n=38) was achieved from educational institutions representing 21 countries. Over half of responding institutions (n=21) allocated in excess of 60 European Credit Transfer and Accumulation System (ECTS) credits to practical training. In nearly three-quarters of clinical placements there was a dedicated clinical practice supervisor in place; two-thirds of these were employed directly by the hospital. Clinical practice supervisors were typically state registered radiographers, who had a number of years of clinical experience and had received specific training for the role. Typical responsibilities included monitoring student progress, providing feedback and completing paperwork, this did however vary between respondents. In almost all institutions there were support systems in place for clinical placement supervisors within their roles. Conclusions: Similarities exist in the provision of clinical radiography education across Europe. Clinical placements are a core component of radiography education and are supported by experienced clinical practice supervisors. Mechanisms are in place for the selection, training and support of clinical practice supervisors. Professional societies should work collaboratively to establish guidelines for effective clinical placements

Self-Control in Cyberspace: Applying Dual Systems Theory to a Review of Digital Self-Control Tools

Many people struggle to control their use of digital devices. However, our understanding of the design mechanisms that support user self-control remains limited. In this paper, we make two contributions to HCI research in this space: first, we analyse 367 apps and browser extensions from the Google Play, Chrome Web, and Apple App stores to identify common core design features and intervention strategies afforded by current tools for digital self-control. Second, we adapt and apply an integrative dual systems model of self-regulation as a framework for organising and evaluating the design features found. Our analysis aims to help the design of better tools in two ways: (i) by identifying how, through a well-established model of self-regulation, current tools overlap and differ in how they support self-control; and (ii) by using the model to reveal underexplored cognitive mechanisms that could aid the design of new tools.Comment: 11.5 pages (excl. references), 6 figures, 1 tabl

Multifactorial resistance to adriamycin: relationship of DNA repair, glutathione transferase activity, drug efflux, and p-glycoprotein in cloned cell lines of adriamycin-sensitive and -resistant P388 Leukemia

Cloned lines of Adriamycin (ADR)-sensitive and -resistant P388 leukemia have been established, including P388/ADR/3 and P388/ADR/7 that are 5- and 10-fold more resistant than the cloned sensitive cell line P388/4 (Cancer Res., 46: 2978, 1986). A time course of ADR-induced DNA double-strand breaks revealed that in sensitive P388/4 cells, evidence of DNA repair was noted 4 h after removal of drug, whereas in resistant clone 3 and 7 cells repair was observed 1 h after drug removal. The earlier onset of DNA repair was statistically significant (p = 0.0154 for clone 3 cells, and p = 0.0009 for clone 7 cells). By contrast, once the repair process was initiated, the rate of repair was similar for all three cell lines. The level of glutathione transferase activity was determined in whole cell extracts. Enzyme activity (mean ± SE) in sensitive cells was 9.49 ± 1.00 nmol/min/mg protein, that in resistant clone 3 cells was 13.36 ± 1.03 nmol/min/mg, and that in clone 7 cells was 13.96 ± 1.44 nmol/min/mg; the 1.44-fold increase in enzyme activity in resistant cells was statistically significant (p = 0.01). Further evidence of induction of glutathione transferase was provided by Northern blot analysis using a 32P-labeled cDNA for an anionic glutathione transferase, which demonstrated approximately a twofold increase in mRNA in resistant clone 7 cells. Western blot analysis with a polyvalent antibody against anionic glutathione transferase also revealed a proportionate increase in gene product in resistant cells. Dose-survival studies showed that ADR-resistant cells were cross-resistant to actinomycin D, daunorubicin, mitoxantrone, colchicine, and etoposide, but not to the alkylating agent melphalan; this finding provided evidence that these cells are multidrug resistant. Using a cDNA probe for P-glycoprotein, a phenotypic marker for multidrug resistance, Northern blot analysis showed an increase in the steady state level of mRNA of approximately twofold in resistant clone 3 and 7 cells. Southern analysis with the same cDNA probe showed no evidence of gene amplification or rearrangement. Western blot analysis with monoclonal C219 antibody demonstrated a distinct increase in P-glycoprotein in resistant cells. Efflux of Adriamycin as measured by the efflux rate constant was identical in all three cell lines. Furthermore, the metabolic inhibitors azide and dinitrophenol did not augment drug uptake in either sensitive or resistant cells. These findings suggest that despite the increase in P-glycoprotein, an active extrusion pump was not operational in these cells. This and previous studies provide unequivocal evidence that resistance to Adriamycin is multifactorial. Decreased drug uptake, decreased formation of DNA single- and double-strand breaks, increased glutathione transferase activity, earlier onset of DNA repair, as well as elevated P-glycoprotein are all characteristic of multifactorial drug resistance

Photon-assisted tunneling in a Fe8 Single-Molecule Magnet

The low temperature spin dynamics of a Fe8 Single-Molecule Magnet was studied under circularly polarized electromagnetic radiation allowing us to establish clearly photon-assisted tunneling. This effect, while linear at low power, becomes highly non-linear above a relatively low power threshold. This non-linearity is attributed to the nature of the coupling of the sample to the thermostat.These results are of great importance if such systems are to be used as quantum computers.Comment: 4 pages, 4 figure