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A Study on Decision Making Factors Affecting Bank Performance: Focusing on US Banks (은행의 성과에 영향을 미치는 의사결정 요인에 관한 연구: 미국은행을 중심으로)

  • Ik-Sung Choi;Jae-Sung Kim
    • Journal of Industrial Convergence
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    • v.22 no.2
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    • pp.1-12
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    • 2024
  • This study investigates what decisions have an impact on bank performance. A panel regression analysis was conducted using data from the financial statements of banks located in the United States from 2013 to 2022, and the effects of explanatory variables were examined through hierarchical panel regression analysis divided into financial decision-making and management decision-making. In addition, by analyzing performance separately from the creditor and shareholder perspectives (hereinafter referred to as overall) and from the shareholder perspective alone, it suggests which elements should be utilized and how to improve performance from each perspective. When a panel regression analysis was performed using only liquidity and stability, dependency on deposits and the interest coverage ratio had a statistically significant impact from the perspective of overall performance, and the debt ratio also had a statistically significant impact from the perspective of shareholder performance. When adding non-technical factors, only the labor cost ratio among non-technical factors was found to be statistically significant from the overall performance perspective, and although the non-technical factors were not statistically significant from the shareholder performance perspective, the cash ratio was found to have a statistically significant impact. Lastly, when adding technical innovation elements, the intangible asset ratio was not statistically significant from the overall performance perspective, but was significant from the shareholder performance perspective. The significance and implications of this study are that there are differences in factors that can affect the performance of overall or shareholder and that various decision-making factors can affect a bank's performance.

Expressed Sequence Tag Analysis for Identification and Characterization of Sex-Related Genes in the Giant Tiger Shrimp Penaeus monodon

  • Preechaphol, Rachanimuk;Leelatanawit, Rungnapa;Sittikankeaw, Kanchana;Klinbunga, Sirawut;Khamnamtong, Bavornlak;Puanglarp, Narongsak;Menasveta, Piamsak
    • BMB Reports
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    • v.40 no.4
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    • pp.501-510
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    • 2007
  • Sex-related genes expressed in vitellogenic ovaries of the giant tiger shrimp, Penaeus monodon, were identified by an EST approach. A total of 1051 clones were unidirectionally sequenced from the 5 terminus. Nucleotide sequences of 743 EST (70.7%) significantly matched known genes previously deposited in the GenBank (E-value <$10^{-4}$) whereas 308 ESTs (29.3%) were regarded as newly unidentified transcripts (E-value >$10^{-4}$). A total of 559 transcripts (87 contigs and 472 singletons) were obtained. Thrombospondin (TSP) and peritrophin (79 and 87 clones accounting for 7.5 and 8.3% of clones sequenced, respectively) predominated among characterized transcripts. everal full length transcripts (e.g. cyclophilin, profillin and thioredoxin peroxidase) were also isolated. A gene homologue encoding chromobox protein (PMCBX, ORF of 567 nucleotides encoding a protein of 188 amino acids) which is recognized as a new member of the HP1 family was identified. Expression patterns of 14 of 25 sex-related gene homologues in ovaries and testes of P. monodon broodstock were examined by RT-PCR. Female sterile and ovarian lipoprotein receptor homologues were only expressed in ovaries whereas the remaining transcripts except disulfide isomerase related P5 precursor and adenine nucleotide translocator 2 were higher expressed in ovaries than testes of P. monodon broodstock. A homologue of ubiquitin specific proteinase 9, X chromosome (Usp9X) revealed a preferential expression level in ovaries than testes of broodstock-sized P. monodon (N = 13 and 11, P<0.05) but was only expressed in ovaries of 4-month-old shrimp (N = 5 for each sex).

A Brief Report of the Short-Term Home Range Study of a Pair of Raccoon Dogs(Nyctereutes procyonoides koreensis) in a Rural Area of Gurye, Chonnam Province, South Korea Using Radiotracking Method (전라남도 구례 농촌지역에서의 단기원격무선추적을 이용한 너구리(Nyctereutes procyonoides koreensis) 한 쌍의 행동권에 관한 연구)

  • Kim, Baek-Jun;Choi, Tae-Young;Park, Chong-Hwa;Kim, Young-Jun;Lee, Hang
    • Korean Journal of Environment and Ecology
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    • v.22 no.3
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    • pp.230-240
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    • 2008
  • The primary aim of this study is to estimate the home range of a pair of raccoon dogs(Nyctereutes procyonoides koreensis) and to compare with the previous study of raccoon dogs in a rural area of Gurye, the southern part of South Korea. Radiotracking was regularly carried out on 2 raccoon dogs for 2 days every 2 months(in June, August, October and December, 2006). During the 2 days, radiotracking was usually conducted every $1{\sim}3$ hours through day and night. The analysis of tracking data with a total of $46{\sim}64$ bearings showed that the total home range size of the pair was $0.41km^2$, and mean home range size was $0.32km^2$ by 95% minimum convex polygons(MCP) estimate. The home ranges of the male and female were largely overlapping(about $70{\sim}95%$), and the sizes were not very much different from each other. However, there was a big difference between day $(0.01km^2)$ and night-time $(0.35km^2)$ home ranges, and it was largest in summer$(0.56km^2)$ and smallest in winter $(<0.01km^2)$. In addition, the home range of the pair included 1 core area and 4 different feeding areas. In conclusion, our raccoon dog home range data using the same individuals but with more frequent bearings per day and more extended tracking intervals still showed very similar results to the previous study with less frequent bearings per day and more extensive tracking days.

Isolation of Aeromonas sobria Containing Hemolysin Gene from Arowana (Scleropages formosus) (Arowana(Scleropages formosus)에서 Hemolysin Gene을 지닌 Aeromonas sobria 분리 및 특성)

  • Jun, Jin-Woo;Kim, Ji-Hyung;Casiano, Choresca Jr.;Dennis, K. Gomez;Shin, Sang-Phil;Han, Jee-Eun;Park, Se-Chang
    • Journal of Veterinary Clinics
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    • v.27 no.1
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    • pp.62-65
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    • 2010
  • Arowana (Scleropages formosus) is the most valuable group of ornamental fishes and very much in demand in the ornamental fish trade and commands high price ranging from hundreds to thousands of dollars per fish. In this paper, we described a case of mortality of arowana from a private aquarium in Korea. A bacterial pathogen from fish organs (brain, kidney, liver) was cultured, identified and confirmed using Vitek System 2, API 20E test, multiplex PCR and 16S rRNA gene sequencing. The morphological and biochemical properties of the bacterium isolated from the brain, kidney and liver of the fish were similar to Aeromonas sobria. Positive amplification products using the multiplex PCR assay for detection of A. sobria were obtained from these organs. The 16S rRNA gene of the isolates from fish was identical and exhibited 100% sequence similarity with A. sobria (AY987762.1) strain available from GenBank. This bacterium contained hemolysin gene, a virulence factor that plays an important role in outbreaks of disease and is pathogenic to humans as well as in fish. Although this opportunistic bacterium was isolated from a fish without any external symptoms, this pathogen may act as a reservoir and enhance chances of zoonosis to human such as during handling.

A Branch Prediction Mechanism Using Adaptive Branch History Length (적응 가능한 분기 히스토리 길이를 사용하는 분기 예측 메커니즘)

  • Cho, Young-Il
    • Journal of the Institute of Electronics Engineers of Korea CI
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    • v.44 no.1
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    • pp.33-40
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    • 2007
  • Processor pipelines have been growing deeper and issue widths wider over the years. If this trend continues, the branch misprediction penalty will become very high. Branch misprediction is the single most significant performance limiter for improving processor performance using deeper pipelining. Therefore, more accurate branch predictor becomes an essential part of modern processors. Several branch predictors combine a part of the branch address with a fixed amount of global branch history to make a prediction. These predictors cannot perform uniformly well across all programs because the best amount of branch history to be used depends on the program and branches in the program. Therefore, predictors that use a fixed history length are unable to perform up to their potential performance. In this paper, we propose a branch prediction mechanism, using variable length history, which predicts using a bank having higher prediction accuracy among predictions from five banks. Bank 0 is a bimodal predictor which is indexed with the 12 least significant bits of the branch address. Banks 1, 2, 3 and 4 are predictors which are indexed with different global history bits and the branch PC. In simulation results, the proposed mechanism outperforms gshare predictors using fixed history length of 12 and 13 , up to 6.34% in prediction accuracy. Furthermore, the proposed mechanism outperforms gshare predictors using best history lengths for benchmarks, up to 2.3% in prediction accuracy.

Real-Time Implementation of MPEG-1 Layer III Audio Decoder Using TMS320C6201 (TMS320C6201을 이용한 MPEG-1 Layer III 오디오 디코더의 실시간 구현)

  • 권홍석;김시호;배건성
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.25 no.8B
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    • pp.1460-1468
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    • 2000
  • The goal of this research is the real-time implementation of MPEG-1 Layer III audio decoder using the fixed-point digital signal processor of TMS320C6201 The main job for this work is twofold: one is to convert floating-point operation in the decoder into fixed-point operation while maintaining the high resolution, and the other is to optimize the program to make it run in real-time with memory size as small as possible. We, especially, devote much time to the descaling module in the decoder for conversion of floating-point operation into fixed-point operation with high accuracy. The inverse modified cosine transform(IMDCT) and synthesis polyphase filter bank modules are optimized in order to reduce the amount of computation and memory size. After the optimization process, in this paper, the implemented decoder uses about 26% of maximum computation capacity of TMS320C6201. The program memory, data ROM, data RAM used in the decoder are about 6.77kwords, 3.13 kwords and 9.94 kwords, respectively. Comparing the PCM output of fixed-point computation with that of floating-point computation, we achieve the signal-to-noise ratio of more than 60 dB. A real-time operation is demonstrated on the PC using the sound I/O and host communication functions in the EVM board.

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The Influence of Export Promotion Programs on SMEs' Export Performance: Focusing on Promising SMEs in Export (수출유망중소기업 지원프로그램이 수출성과에 미치는 영향에 관한 연구)

  • Jaekyung Ko;Chulhyung Park;Chang-Yong Han
    • Journal of Korea Society of Industrial Information Systems
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    • v.28 no.2
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    • pp.95-107
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    • 2023
  • The purpose of this study is to investigate the impact of export promotion programs (EPPs) on the export performance of small- and medium-sized enterprises (SMEs), with a specific focus on the influence of EPPs for promising SMEs in the export market. Using data on SMEs provided by the Industrial Bank of Korea (IBK), we conducted a fixed-effects model analysis from 2016 to 2019. Our study shows that EPPs have a positive and significant relationship with export intensity. Further analysis reveals that SMEs utilizing the financing support system provided by EPPs tend to improve their export growth and financial performance relative to their counterparts. While EPPs can assist SMEs with their internationalization efforts, their similarity and redundancy are recognized as potential limitations. This study complements the existing literature that has mainly focused on surveys and cross-sectional analysis by specifying the research subject to promising SMEs in export, and analyzing the effects of the export promotion program supported by IBK Industrial Bank. The results of this study are expected to provide implications for improving SMEs' export capabilities.

Evaluation of the Perceived Performance on Sanitary Management of Cooked Foods in Foodbanks (푸드뱅크 조리기탁식품의 안전성 확보를 위한 위생관리 실태 평가)

  • Hwang Yun-Kyung;Park Ki-Hwan;Ryu Kyung
    • Korean Journal of Community Nutrition
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    • v.11 no.2
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    • pp.240-252
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    • 2006
  • A survey was implemented to suggest basic data for assuring the safety of cooked foods in foodbank operations. A questionnaire consisted of total 48 items including general characteristics, basic inputs and perceived importance/performance of sanitary management. One hundred twenty-eight responses among the 267 nationwide foodbanks were used for the statistical analysis. About forty-one percent of foodbanks was operated a period of 1-3 years and 43.0% of them were managed by social welfare organizations. The number of staff was only 0.5 person per operation with the whole responsibility and 1.0 with additional work, and thus most of the work was managed by volunteers. Job satisfaction was shown to be moderate and was affected by specialty and salary mostly. The facilities and equipment in foodbanks were not enough to operate and freezers/refrigerators were the top priority to supplement. Most of the respondents attended a nationwide level sanitary education program (79.7%); but complained not enough frequency of education (90%). The sanitary status of the donated foods was considered as satisfactory but some safety practices had to be improved, including personnel expenses and operating costs in the district level, a sanitary awareness of the donors and a general management of the facilities arid equipment. An assessment on sanitary management resulted in an overall average of 4.45 out of 5 points in importance and 3.85 in performance showing the high level of sanitation perception in foodbank managers. From the IPA analysis, the fields found to be improved were sanitation management during cooking and temperature control as well as cleanliness and sanitation of both transport vehicle and refrigerator/freezer. To secure the food safety in foodbanks, consequently, personnel support, supplement of facilities and equipment, intense sanitation education and development of sanitation management program is needed.

The End-to-End Encryption for Enhancing Safety of Electronic Financial Transactions (전자금융거래의 안전성 강화를 위한 종단간 암호화)

  • Seung, Jae-Mo;Lee, Su-Mi;Ahn, Seung-Ho;Noh, Bong-Nam
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.10 no.8
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    • pp.1920-1925
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    • 2009
  • '05. June, the first Internet banking accident occurred by the malignant cord. It discontinued security programs for protecting important financial informations. A computer hacker had made a collation of password, OTP(One Time Password) values etc and illegally withdraw one´s savings from the bank using the financial information. The attackers are continuously attempted with the hacking tool under bypass security programs as the vaccine program or the personal fire-wall. Therefore, an electronic financial system should be composed with the goal which is to protect financial informations from user's terminal to a banking server. In this paper, we make an analysis of menaces in electronic financial transactions and explain considerable security issues to enhance safety in Internet banking, CD/ATM and mobile banking.

Characterization of Groundwater Flow to Horizontal or Slanted Well Using Numerical Modeling (수치 모사를 활용한 수평 혹은 경사형 특수 정호 지하수 흐름 특성 평가)

  • Kim, Hyoung-Soo
    • Journal of Soil and Groundwater Environment
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    • v.13 no.2
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    • pp.54-61
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    • 2008
  • The drawdown distribution due to pumping by horizontal or slanted wells is analyzed by numerical modelling. In the numerical modelling uses 1-D discrete element feature included in commercial groundwater modeling program FEFLOW (version 5.1) and the results are compared with the semi analytic solution which uses superposition of successive point sources proposed by Zhan and Zlotnik (2002). Results of the numerical modeling agree well with the semi analytic solution except for very near field region of sink sources. The drawdown distribution due to pumping in riverbank filtration(RBF) plan site can be evaluated quantitatively by the numerical modeling in this study.