Процессно-стоимостной подход к управлению продуктами в коммерческом банке

Работа состоит из четырех частей: в первой рассмотрены теоретико-методологические основы управления банковским продуктом на основе процессно-стоимостного подхода. Во второй была осуществлена оценка банковских продуктов и услуг ПАО "Сбербанк". В третьей был разработан новый банковский продукт на основе процессно-стоимостного подхода. В процессе работы проводились теоретические исследования основ управления банковским продуктом на основе процессно-стоимостного подхода, осуществлен анализ эффективности банковских продуктов и услуг ПАО "Сбербанк". В результате исследования была произведена разработка нового банковского продукта на основе процессно-стоимостного подхода. Основные положения и выводы данной работы были сделаны в процессе прохождения преддипломной практики в ПАО "Сбербанк" и в проThe work consists of four parts: the first part addresses theoretical and methodological bases of banking product management on the basis of process-cost approach. Secondly, an assessment of banking products and services of Sberbank. In the third part has been developed a new banking product on the basis of process-cost approach. In the process of work carried out theoretical studies of the foundations of the banking product management based on a process-cost approach, the analysis of the effectiveness of banking products and services of Sberbank. The study was made to develop a new banking product on the basis of process-cost approach. The main provisions and conclusions of this work was done in the process of internship in "Sberbank" and in the process of research and analysis with a pr

Low Serum Levels of Soluble Receptor Activator of Nuclear Factor κ B Ligand (sRANKL) Are Associated with Metabolic Dysregulation and Predict Long-Term Mortality in Critically Ill Patients

Soluble receptor activator of nuclear factor κ B ligand (sRANKL) is a member of the tumor necrosis factor receptor superfamily, and therefore, involved in various inflammatory processes. The role of sRANKL in the course of bone remodeling via activation of osteoclasts as well as chronic disease progression has been described extensively. However, the potential functional importance of sRANKL in critically ill or septic patients remained unknown. Therefore, we measured sRANKL serum concentrations in 303 critically ill patients, including 203 patients with sepsis and 100 with non-sepsis critical illness. Results were compared to 99 healthy controls. Strikingly, in critically ill patients sRANKL serum levels were significantly decreased at intensive care unit (ICU) admission (p = 0.011) without differences between sepsis and non-sepsis patients. Inline, sRANKL was correlated with markers of metabolic dysregulation, such as pre-existing diabetes and various adipokines (e.g., adiponectin, leptin receptor). Importantly, overall mortality of critically ill patients in a three-year follow-up was significantly associated with decreased sRANKL serum concentrations at ICU admission (p = 0.038). Therefore, our study suggests sRANKL as a biomarker in critically ill patients which is associated with poor prognosis and overall survival beyond ICU stay

Low extracellular vesicle concentrations predict survival in patients with heart failure

BackgroundHeart disease is of worldwide importance due to high morbidity and mortality. Extracellular vesicle (EV) concentration and size represent novel diagnostic and prognostic biomarkers, e.g. in patients with liver cancer, but data on their prognostic relevance in heart disease are lacking. Here, we investigated the role of EV concentration, size and zeta potential in patients with heart disease.MethodsVesicle size distribution, concentration and zeta potential were measured by nanoparticle tracking analysis (NTA) in 28 intensive care unit (ICU) and 20 standard care (SC) patients and 20 healthy controls.ResultsPatients with any disease had a lower zeta potential compared to the healthy controls. Vesicle size (X50) was significantly higher in ICU patients (245 nm) with heart disease as compared to those patients with heart disease receiving standard care (195 nm), or healthy controls (215 nm) (p = 0.001). Notably, EV concentration was lower in ICU patients with heart disease (4.68 × 1010 particles/ml) compared to SC patients with heart disease (7,62 × 1010 particles/ml) and healthy controls (1.50 × 1011 particles/ml) (p = 0.002). Extracellular vesicle concentration is prognostic for overall survival in patients with heart disease. Overall survival is significantly reduced when the vesicle concentration is below 5.55 × 1010 particles/ml. Median overall survival was only 140 days in patients with vesicle concentrations below 5.55 × 1010 particles/ml compared to 211 days in patients with vesicle concentrations above 5.55 × 1010 particles/ml (p = 0.032).SummaryConcentration of EVs is a novel prognostic marker in ICU and SC patients with heart disease