Retail fees of depository institutions, 1994-99

Under legislative mandate, the Federal Reserve Board has for many years sponsored annual surveys of the retail fees charged by depository institutions. Analysis of the data for the most recent six years (1994-99) shows that for the most common types of depository accounts surveyed, few of the fees and minimum balances changed by a statistically significant amount. However, the most common types of ATM fees and the fees for certain special actions, such as stop-payment orders, increased significantly and by more than the rate of consumer price inflation over the period. In addition, for almost all of the fees charged for seven common services and special actions, banks that were part of multistate banking organizations on average charged significantly higher fees than single-state banks, and large banks charged significantly more than small banks. Although they narrowed, the differences remained statistically significant after analyses that controlled for the general location of the institutions, for size (in the case of the multistate versus single-state comparison), and for multistate operations (in the case of the large versus small comparison).Banks and banking - Service charges

Retail fees of depository institutions, 1997-2001

Since 1990, the Federal Reserve Board has reported annually on changes in the availability of retail banking services and in the level of the associated fees. The most recent report, covering the Board's survey conducted in 2001, was released in June 2002. Information on selected fees for each of the years from 1997 through 2001 is presented in this article. Analysis of the data for the 1997-2001 period shows that for the various types of checking and savings accounts tracked, monthly fees tended to rise by statistically significant amounts, as did the minimum balances that depositors had to maintain to avoid the fees. Fees associated with special actions, such as those imposed on checks returned for insufficient funds, also exhibited increases that were statistically significant. Fees imposed for withdrawals by an institution's depositors from other institutions' automated teller machines (ATMs) and for the use of the institution's ATMs by nondepositors became much more common by the end of the period, and average levels increased by statistically significant amounts. Finally, comparisons of the fees charged by institutions of different sizes in 2001 indicate that, in general, the incidence and level of fees were higher at larger institutions.Banks and banking - Service charges

The battle for energy independence: how much of a good thing?

Energy development - United States

Will the Adoption of Basel II Encourage Increased Bank Merger Activity? Evidence from the United States

This study presents two tests of the hypothesis that adoption of an internal ratings-based approach to determining minimum capital requirements, proposed as part of the Basel II capital accord, would cause adopting banking organizations to increase their acquisition activity. The study employs U.S. data and focuses on the advanced internal ratings-based approach, as proposed for banking organizations in the United States. The first test estimates the relationship between excess regulatory capital and subsequent merger activity, including organization and time fixed effects, while the second test employs a " difference in difference" analysis of the change in merger activity that occurred the last time U.S. regulatory capital standards were changed. Estimated coefficients and observed differences have signs consistent with the hypothesis, but results are either statistically insignificant or imply differences that are small in magnitude.

Neutron dosimetry by reaction rate measurements in standard fast neutron fields

Imperial Users onl

Edukasi Anti Penyalahgunaan Obat Kepada Siswa SD di Kota Palu melalui Media Kartu Kuartet: Education Of Anti-drug Abuse For Elementary School Students In Palu Citythrough Quartet Card Media

Cases of illegal drugs and drug abuse in the elementary school community in Indonesia is increasingly massive and alarming. An innovation to protect elementary school students from that situation is through the colaboration of academics from Bandung Institute of Technology with FDA in Palu in the form education of  anti-drug abuse for elementary school students through quartet card media. The aim of the study was to determine the effect of the education on anti-drug abuse knowledge in fifth grade students in Palu City. The research method used pre-experimental design with the design of one group pretest-posttest on three elementary schools which were representatives of three ranks namely; good, quite good and not good based on the results of the Smart-Accurate Quiz FDA in Palu for elementary school level in 2017. The sampling technique used purposive sampling. Observation of knowledge of elementary students using questionnaires that have been tested for validity and reliability had been carried out. The pretest and posttest were conducted before and after education. The comparison of pretest and posttest data in each elementary school was analyzed using paired T test whereas for all elementary school data analyzed using the Wilcoxon test with hypotheses. There was an influence of anti-drug abuse education through quartet card media on anti-drug abuse knowledge in fifth grade students in Palu City. The results showed that there was an influence of education on anti-drug abuse knowledge in fifth grade students from elementary school representatives “good and quite good ranking” with p values of 0.005 and p ≤ 0.001, while in elementary schools representatives “not good ranking”, the education did not influence their knowledge with a p value of 0.149. Analysis of the Wilcoxon test in all elementary schools showed a p value p ≤ 0,001, which meant that education had an influence on the knowledge of fifth grade students in elementary schools in Palu City

Will the Adoption of Basel II Encourage Increased Bank Merger Activity? Evidence from the United States

This study presents two tests of the hypothesis that adoption of an internal ratings-based approach to determining minimum capital requirements, proposed as part of the Basel II capital accord, would cause adopting banking organizations to increase their acquisition activity. The study employs U.S. data and focuses on the advanced internal ratings-based approach, as proposed for banking organizations in the United States. The first test estimates the relationship between excess regulatory capital and subsequent merger activity, including organization and time fixed effects, while the second test employs a " difference in difference" analysis of the change in merger activity that occurred the last time U.S. regulatory capital standards were changed. Estimated coefficients and observed differences have signs consistent with the hypothesis, but results are either statistically insignificant or imply differences that are small in magnitude

Metalanguage in L1 English-speaking 12-year-olds: which aspects of writing do they talk about?

Traditional psycholinguistic approaches to metalinguistic awareness in L1 learners elicit responses containing metalanguage that demonstrates metalinguistic awareness of pre-determined aspects of language knowledge. This paper, which takes a more ethnographic approach, demonstrates how pupils are able to engage their own focus of metalanguage when reflecting on their everyday learning activities involving written language. What is equally significant is what their metalanguage choices reveal about their understanding and application of written language concepts

The economics of bank security

Crime