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The Comprehensive Assessment conducted by the European Central Bank (ECB) represents a considerable step forward in enhancing transparency in euro-area banks' balance sheets. The most notable progress since the previous European stress test has been the harmonisation of the definition of non-performing loans and other concepts as well as uncovering hidden losses, which resulted in a €34 billion aggregate capital-charge net of taxes. Despite this tightening, most banks were able to meet the 5.5% common equity tier 1 (CET1) threshold applied in the test, which suggests that the large majority of the euro-area banks have improved their financial position sufficiently that they should no longer be constrained in financing the economy. As shown in this CEPS Policy Brief by Willem Pieter de Groen, however, the detailed results provide a more nuanced picture: there remain a large number of the banks in the euro area that are still highly leveraged and in many cases unable to meet the regulatory capital requirements that will be introduced in the coming years under the adverse stress test scenario.

Original drawing of two men sitting on the opposite ends of a scale. One is labeled "Wall Street", sitting at a higher altitude is "Bank Rates."

Original drawing of two men crying, each are holding a briefcase. One is labeled "U.S. Banks" the other "OPEC". Laying across their feet is a grinning man, his suit is labeled "Consumer."

T.C. Power was a Montana merchandise, transportation, mining, ranching, banking, and real estate magnate; and U.S. Senator from Montana from 1890 to 1895. Collection (1868-1950) includes personal, business, and political correspondence plus financial and legal papers of many of his business enterprises. Collection documents Power's involvement in military and Indian trade, steamboating, freighting, stage coach lines, mail contracts, cattle and sheep ranching, mining, banking, bridge building, townsite development, and other enterprises., The T.C. Power Papers are arranged into sixteen subgroups: 1) T.C. Power--Political, 2) T.C. Power--Personal, 3) T.C. Power and Brother (includes associated companies), 4) C.B. Power--Personal, 5) Grain Companies, 6) Hardware Companies, 7) Mercantile Companies, 8) Mining Companies, 9) Organizations 10) Ranch Companies, 11) Real Estate, 12) Transportation Companies, 13) Water Companies, 14) Bismarck, North Dakota, enterprises, 15) Washington and Oregon enterprises, and 16) Miscellaneous enterprises., The papers (1881-1902) in the T.C. POWER--POLITICAL SUBGROUP document his unsuccessful bid to be the first State governor in 1889 and, more importantly, his term as a United States senator, 1890-1895. Forming the largest segment of the political papers is the General Correspondence, which reflects issues that affected the livelihood of his constituents: free silver and the wool tariff. Most of this is incoming correspondence with only a few letters of reply from Power. Other questions of interest to Montanans during his term of office were the establishment of better services, such as post offices for rural areas, irrigation, uses of public lands, and requests for political patronage. The subgroup also contains Financial Records, including an election expense account for 1888-1895; Legal Documents, Speeches, including an 1889 campaign speech; Clippings, mainly tariff issues, irrigation, and political scrapbooks; and a Miscellany Series, which includes lists of registered voters; federal documents; a record of bills, etc., pertaining to irrigation introduced in the U.S. Senate during the 52nd Congress, an 1892 list of attorneys in Montana, and petitions for the establishment of post offices., The papers (1871-1923) in the T.C. POWER--PERSONAL SUBGROUP reflect his involvement in the firm of T.C. Power and Brother, and his financial investments in other areas. Because Power played such an important role in the administration of T.C. Power and Brother, his General Correspondence details some of the activity of the holding company, particularly after 1900. The Financial Records, which detail his personal investments in mining and real estate--including areas outside of Montana, make up another significant portion of his personal papers. There are also some records for his household expenses. Other series include Legal Documents, consisting mostly of agreements and bills of sale; Organization records, including stock certificates and minutes of meetings; miscellaneous Clippings; assay and company Reports; and a Miscellany Series including such things as a 1920 list of sheep owners in Montana and a 1916 list of materials suitable for paving streets in Fort Benton., The largest volume of records are those in the T.C. POWER AND BROTHER SUBGROUP. T.C. Power and Brother was a holding company whose operations first centered at Fort Benton. Originally the activity of the company focused on steamboating on the Missouri River, supplying merchandise to branch stores, Indian agencies and military posts, cattle ranches, and area residents. The company later expanded to include mining, stage coach lines, and real estate. Records for the holding company are nearly complete for the period 1880-1900. Some records, such as outgoing correspondence and financial material, date to the late 1860s. Between 1900 and 1920 there is almost no correspondence in the company's records. Consequently, the personal papers of T.C. Power and of C.B. Power, and those companies in which T.C. Power and Brother had an interest, must be used to fill this gap., Charles Benton Power's personal records (1895-1941), in the C.B. POWER--PERSONAL SUBGROUP, document his active participation in various aspects of T.C. Power and Brother, as well as his extensive interests outside of Montana. His General Correspondence (1895-1940) documents the economic reversals of the 1920s and 1930s, particularly as they affected the companies of T.C. Power and Brother. Other series include Financial Records (1895-1940); Legal Documents (1894-1938); and Organization records (1922-1932), including stock certificates and minutes of the Montana Automobile Association., The GRAIN, HARDWARE, MERCANTILE, MINING, RANCH, REAL ESTATE, TRANSPORTATION, and WATER SUBGROUPS reflect the Powers' wide-ranging economic interests. In many ways the records represent a cross-section of Montana's economic life during the late 1800s and the early 1900s. During the 1800s most of the records of these companies were retained with the T.C. Power and Brother records. After 1900, however, they were filed separately by each company. The difficulty then in dealing with this collection is that the whole Power corporation was not entirely consistent in either of these practices. Consequently a researcher interested in one of these subgoup companies also has to look in the T.C. Power and Brother records, and in the personal papers of T.C. Power and C.B. Power. In addition to their Montana businesses, T.C. and C.B. Power were also involved in real estate, irrigation, mercantile, banking, and lumbering operations in Oregon and Washington., The records in the WASHINGTON AND OREGON SUBGROUP have been kept separate from the Montana businesses, but additional material can be found in the T.C. Power and Brother, T.C. Power--Personal, and C.B. Power--Personal subgroups. (Manuscript Collection 55).

The Merchants National Bank of Helena, Montana, was originally established as L.H. Hershfield and Co. in Virginia City, Montana Territory, and for many years operated as L.H. Hershfield and Bro. It went into receivership in 1897. Records (1865-1903) consist of correspondence, financial records, legal documents, and organizational materials. There are subgroups for the White Sulphur Springs Association and for the United Hebrew Benevolent Association., Records of the Merchants National Bank and its predecessors L.H. Hershfield and Co. and L.H. Hershfield & Bro. include incoming correspondence (1864-1897); outgoing correspondence (1866-1869, 1871-1873, 1876, 1879-1897); court papers (1864-1897); financial records (1865-1897), including ledgers, depositors daily balances, cash books, etc.; legal documents (1861-1896); organizational materials (1882-1897) including articles of association, minutes, etc.; a subject file (1868-1896) concerning the bank's various investments, L.H. Hershfield's Republican Party activities, etc; and miscellany (1866-1894)., The Merchants National Bank Receivership Subgroup contains incoming and outgoing correspondence (1897-1903) of receiver Eugene T. Wilson; court papers (1897-1901); financial records (1897-1898, 1902); and an agreement (1901)., In addition, there are smaller subgroups for the United Hebrew Benevolent Association (1879-1885); and for the White Sulphur Springs Association (1883-1896) concerning operation of the resort hotel. (Manuscript Collection 115)

Personal and business papers of Thomas Cruse. Collection contains incoming and outgoing correspondence, financial records, legal documents, reports, and miscellany, dealing with Cruse's various activities (1882-1914), including the Thomas Cruse Savings Bank and the N Bar Ranch. The collection also documents the Thomas Cruse estate and the Thomas Cruse Mining and Development Company, which was formed from many of the Cruse holdings. Other subgroups represent key individuals in the various Cruse enterprises. The collection documents mining, banking, and cattle and sheep ranching.

Documents dated from Nov. 16, 1866-Mar. 19, 1876; include hand-written amounts, signatures and some endorsements on versos of documents., Formerly DPL imprint collection location: Colorado towns, no. 5.

Documents dated Apr. 1874-May 1876; handwritten signatures and endorsements., Formerly DPL imprint collection location: Colorado towns, no. 7.

Discusses Connecticut banking industry--the types of banks, where they are located, and who regulates them.

The increase in banking regulation globally is a rising trend and is demanding more time and attention from senior management. The aim of the case study is to analyse and asses the effects of banking sector regulations and corporate governance on the prioritisation of stakeholders by senior management. The role of senior management is to enter into contracts with the owners of the company to act as agents for the organisation. It is then the responsibility of management to establish contracts with various other stakeholders of the organisation. The responsibility of bank management is becoming more complex and senior management have the unenviable task of identifying and prioritising stakeholders based on how they perceive stakeholder salience as described in stakeholder theory. The research attempts to prove that managerial perception of stakeholder salience is affected by the regulatory institutions and the legislation, statutes and regulations that they enact, both internationally and locally. It is therefore critical for management to be aware of rate of change and frequency change in the regulatory environment to ascertain its ongoing effects on stakeholder salience to an organisation. The case study is specifically focussed towards the banking industry, but aims to contribute to understanding the effects of regulation on managerial perception on stakeholder salience which could be accepted in other highly regulated industries.

A significant factor that prevented the Global Financial Crisis (GFC) from becoming as calamitous as the Great Depression of 1929, is the fact that states reacted swiftly to inject massive sums of public money to save the banks and the global financial system. This massive state intervention highlighted the limits of the progressive deregulation of the international system which characterized the process of globalization. It showed that states had huge responsibilities in keeping the global economy afloat, albeit without a clear compass or direction. The apparent 'anarchy' of the global market system makes conceivable that, to paraphrase A. Wendt, "globalization should be what states make of it". Limiting the scope of study to the postmodern state, and looking at the discourse surrounding the globalization process that promotes de-regulation and limited government within a 'neo-liberal paradigm' it looks at the 'democratic deficit' which weakens the political decision-making process. If not yet a 'paradigm shift', the GFC has many ingredients of a crisis of capitalism which needs to re-invent itself, and political action is crucial to curb the excesses of finance. Looking at France, and the election of Francois Hollande on a strong 'anti-finance' platform in 2012 and its European Union dimension, it remains to be seen if that kind of shift will actually be able to operate and be successful to set the tone for global reforms. In conclusion, the core argument is that the global 'trial' of the neoliberal paradigm and the concept of financial deregulation should now enter a new phase. It is historically and symbolically the defeat of the self-regulating markets as a blueprint for global prosperity. The present structures are inadequate, and states have to find new ways for cooperation in order to steer this integrated world towards greater cohesion.

This paper uses a large data set from a Portuguese bank to use a data analytic approach to improving the results of telemarketing campaigns. The data was collected from 2008 to 2013, and was obtained from the University of California at Irvine's Machine Learning Repository. It contains 41,118 records and 20 variables, including the target variable of "yes" as a customer's response to the banks offer of a long-term deposit contract. The modeling is performed using IBM's Modeler software. The first section of the paper establishes a foundation for Customer Relationship Management as a powerful and growing method of using data analysis techniques to better understand a company's customers and their relationship with the business. It also outlines the CRISP-DM approach to organizing a data mining project. The data is analyzed in detail, including performing Exploratory Data Analysis (EDA) on all variables to get a detailed view of the data and the distributions of the variables, as well as an understanding of the relationship between the variables and the dependent variable. Further, Principal Component Analysis and K-means clustering is conducted on the data to identify potential correlations in variables and how groups of customers might respond similarly. Logistical regression is used on four different models, the results are described and compared across a variety of criteria. Using the profit criteria, the model with the highest revenue per customer is selected as a model to be used for prediction of how to select the best potential customers for a future campaign. Four other modeling techniques: CART, C5.0, Support Vector Machines, and Neural Networks are tested to see if the predictive results can be improved. Logistic regression is recommended as the best approach due to its higher profit per customer, and its relative ease in interpreting its results over the other modeling techniques. The thesis ends with conclusions, recommendations and suggestions for future research.

"It is the stated policy and objective of the State of Kansas (the "State") to (i) ensure that the State's financial disclosures are fair and accurate and comply with all applicable federal and state securities laws, (ii) satisfy in a timely manner all contractual obligations undertaken by the State or a State Entity pursuant to Continuing Disclosure Agreements entered upon the issuance of Bonds, and (iii) promote best practices relating to financial disclosures by the State (the "State Financial Disclosure Policies"). The State Financial Disclosure Policies apply to all State Disclosure, as defined below and shall be carried out through coordination and cooperation with the Department of Administration. Further, it is the stated policy of the State that any State Entity with Bonds outstanding or issuing Bonds on its own behalf or through an Authority, Bonds have in effect Disclosure Procedures or Equivalent Disclosure Procedures, as in each case defined below."

Discusses the Connecticut banking industry, specifically, the types of banks, where they are located, and who regulates them.

The international financial crisis of 2008-09 exposed the strengths and weaknesses of the current paradigm of development in Latin America, a paradigm based on liberalized capital accounts and significantly improved macroeconomic conditions. This paper presents lessons derived from the crisis, not only for the region itself, but also for other developing countries that might seek economic growth in the context of greater integration to the international capital markets. Some of the lessons are not new but have been reinforced by the crisis, such as Latin America's imperative need for export diversification (not only in products but in partners). Other lessons break with longstanding myths about the region, such as its inability to undertake counter-cyclical policies-at least on the monetary side. Yet other lessons reflect new developments in the current growth paradigm, such as a renewed assessment of (1) the relative roles of foreign and domestic banks in shielding the financial system against external shocks and (2) the potential costs of adopting blanket international financial regulations that do not account for a country's degree of development. Taken together, the lessons in this paper bring a new sense of optimism for growth in Latin America.-Provided by the author.

This present crisis has demonstrated that undertaking bailouts of troubled institutions, which involves structuring transactions that attempt to transform the institution into a viable one, while simultaneously projecting the reaction of investors and markets, is a process for which government is ill suited. These bailout powers should be revoked. Financial angst still hangs over the system as the underlying imbalances that led to the crisis have not been reconciled. The ultimate answer is to place troubled institutions into receivership or the relevant form of bankruptcy -- including many of the institutions that have already been bailed out.

Discusses the number of consumer complaints received by the Connecticut Banking Dept. (DOB) in 2005 and 2006 by type.

Street view of First National Bank on Milwaukee Ave., Libertyville, IL. This was the second bank in Libertyville, started in January of 1903. In 1932, the First National Bank and the Lake County National Bank merged into the First Lake County National Bank.

This building stood at 542 North Milwaukee Avenue, the northeast corner of School Street and Milwaukee Avenue. The building was built in 1903. The upper floors housed a theater, meeting rooms, and offices. First State Bank was a later version of the second bank in Libertyville, First National Bank (The First Lake County Bank was the first, started in 1892). The Taylor Furniture Mart is the other business pictured here. It boasted three floors of showrooms with the slogan "Get in on the ground floor-walk up and save." Taylor's offered discounted furniture at 20 - 40 % off on all national brands. They had a second location in Mundelein on Hawley Street and were open until 9 p.m. on Fridays.

Street view of the bank looking north on Milwaukee Avenue. This was the first bank in Libertyville. It opened on April 4, 1892, under the name "The Lake County Bank." The first site of the bank was at 525 N. Milwaukee Ave. and in 1894 it moved to the northwest corner of Milwaukee and Cook avenues. On April 4, 1903, the Lake County Bank was reorganized as the "Lake County National Bank." In 1932, the First National Bank and the Lake County National Bank merged into the First Lake County National Bank.