Thomas Kroen's Books

A Financial Sector for the Economy of the Future

Oman

By: Thomas Kroen

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A Financial Sector for the Economy of the Future

Oman

By: Thomas Kroen

Underpinned by Vision 2040, Oman aims to reduce its economic reliance on the hydrocarbon sector by diversifying its economy. Reforms are targeted to develop a well-diversified, private-led, sustainable, and inclusive economy where innovation and knowledge play a more prominent role. This requires the existence of a well-developed, inclusive, and stable financial sector that can navigate the country’s transformation and fund the new economy. As the economic transformation gains traction and entrepreneurship and innovation take center stage, Oman’s financial sector will face a more complex environment where it needs to develop innovative financial and risk management solutions to cater for the emerging and expanding financial needs of the different players in the economy. Against this background, this note provides an assessment of the development of Oman’s financial sector, identifies areas for potential improvement, and proposes policy actions to foster further financial development and inclusion.

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International Monetary Fund

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ISBN 13

9798400278778

Central Bank Digital Currencies in the Middle East and Central Asia

By: Serpil Bouza,Bashar Hlayhel,Thomas Kroen,Mr. Marcello Miccoli,Borislava Mircheva,Greta Polo,Sahra Sakha,Yang Yang

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Central Bank Digital Currencies in the Middle East and Central Asia

By: Serpil Bouza,Bashar Hlayhel,Thomas Kroen,Mr. Marcello Miccoli,Borislava Mircheva,Greta Polo,Sahra Sakha,Yang Yang

Against the backdrop of a rapidly digitalizing world, there is a growing interest in central bank digital currencies (CBDCs) among central banks, including in the Middle East and Central Asia (ME&CA) region. This paper aims to support ME&CA policymakers in examining key questions when considering the adoption of a CBDC while underscoring the importance of country-specific analyses. This paper does not provide recommendations on CBDC issuance. Instead, it frames the discussion around the following key questions: What is a CBDC? What objectives do policymakers aim to achieve with the issuance of a CBDC? Which inefficiencies in payment systems can CBDCs address? What are the implications of CBDC issuance for financial stability and central bank operational risk? How can CBDC design help achieve policy objectives and mitigate these risks? The paper provides preliminary answers to these questions at the regional level. A survey of IMF teams and public statements from ME&CA policymakers confirm that promoting financial inclusion and making payment systems more efficient (domestic and cross-border) are the top priorities in the region. Payment services through CBDCs, if offered at a lower cost than existing alternatives, could spur competition in the payment market and help increase access to bank accounts, improve financial inclusion, and update legacy technology platforms. CBDCs may also help improve the efficiency of cross-border payment services, especially if designed to address frictions arising from a lack of payment system interoperability, complex processing of compliance checks, long transaction chains, and weak competition. At the same time, CBDCs could negatively impact bank profitability while introducing a substantial operational burden for central banks. However, the exact economic and financial impacts of CBDCs need further study and would depend on estimates of CBDC demand, which are uncertain and country- dependent. CBDC issuance and adoption is a long journey that policymakers should approach with care. Policymakers need to analyze carefully whether a CBDC serves their country’s objectives and whether the expected benefits outweigh the potential costs, in addition to risks for the financial system and operational risks for the central bank.

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International Monetary Fund

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ISBN 13

9798400263798

Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

By: Mr. Adrian Alter,Bashar Hlayhel,Thomas Kroen,Thomas Piontek

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Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

By: Mr. Adrian Alter,Bashar Hlayhel,Thomas Kroen,Thomas Piontek

This paper assesses the state and resilience of corporate and banking sectors in the Middle East and North Africa (MENA) in a “higher-for-longer” interest rate environment using granular micro data to conduct the first cross-country corporate and banking sector stress tests for the MENA region. The results suggest that corporate sector debt at risk may increase sizably from 12 to 30 percent of total corporate debt. Banking systems would be broadly resilient in an adverse scenario featuring higher interest rates, corporate sector stress, and rising liquidity pressures with Tier-1 capital ratios declining by 2.3 percentage points in the Gulf Cooperation Council (GCC) countries and 4.0 percentage points in non-GCC MENA countries. In the cross-section of banks, there are pockets of vulnerabilities as banks with higher ex-ante vulnerabilities and state-owned banks suffer greater losses. While manageable, the capital losses in the adverse scenario could limit lending and adversely impact growth.

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International Monetary Fund

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ISBN 13

9798400270017

Monetary Policy Transmission in Oman

By: Thomas Kroen

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Monetary Policy Transmission in Oman

By: Thomas Kroen

Amid a pegged exchange rate to the US dollar and an open capital account, Oman’s policy rates move closely with US monetary policy. In this analysis, we show empirically that transmission from policy rates into effective lending and deposit rates remains subdued in Oman, even compared to GCC peers that similarly face a high oil price environment with persistent excess liquidity in the banking system. A cap on personal loan rates and low exposure of banks to SMEs and riskier borrowers limit passthrough into effective lending rates and credit conditions. The note documents ongoing actions by Omani policymakers to strengthen transmission and provides further recommendations on liquidity management, reserve management, and relaxing the interest rate cap.

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International Monetary Fund

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ISBN 13

9798400278358

Truespel Book Two: Phonetic Dictionary of USA English

By: Thomas E. Zurinskas

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Truespel Book Two: Phonetic Dictionary of USA English

By: Thomas E. Zurinskas

Truespel Book Two is a reference book for finding the traditional spelling of a word by looking up the phonetic spelling as written in truespel. It solves the problem of looking up words beginning with silent letters by looking up the sounds themselves. Truespel is the first “pronunciation guide spelling” system, based on USA English. It is designed to replace the pronunciation guides in our dictionaries with a new standard keyboard ready phonetic spelling. USA English is now respelled in truespel, allowing great new capabilities. Truespel Book One: Analysis of the Sounds (Phonemes) of USA English (Authorhouse.com) utilizes the database to show the frequency of phoneme usage and the frequency of the various ways of spelling the 40 phonemes of USA English. A converter from traditional spelling to truespel is located at http://www.foreignword.com/dictionary/truespel/transpel.htm. Tutorials on truespel can be found in Books One and Two and at truespel.com. A discussion group is at http://groups.yahoo.com/group/truespel/

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342

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AuthorHouse

Published Date

ISBN 10

1463457782

ISBN 13

9781463457785

Practical Predictive Analytics and Decisioning Systems for Medicine

Informatics Accuracy and Cost-Effectiveness for Healthcare Administration and Delivery Including Medical Research

By: Gary D. Miner,Linda A. Miner,Mitchell Goldstein,Robert Nisbet,Nephi Walton,Pat Bolding,Joseph Hilbe,Thomas Hill

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Practical Predictive Analytics and Decisioning Systems for Medicine

Informatics Accuracy and Cost-Effectiveness for Healthcare Administration and Delivery Including Medical Research

By: Gary D. Miner,Linda A. Miner,Mitchell Goldstein,Robert Nisbet,Nephi Walton,Pat Bolding,Joseph Hilbe,Thomas Hill

With the advent of electronic medical records years ago and the increasing capabilities of computers, our healthcare systems are sitting on growing mountains of data. Not only does the data grow from patient volume but the type of data we store is also growing exponentially. Practical Predictive Analytics and Decisioning Systems for Medicine provides research tools to analyze these large amounts of data and addresses some of the most pressing issues and challenges where data integrity is compromised: patient safety, patient communication, and patient information. Through the use of predictive analytic models and applications, this book is an invaluable resource to predict more accurate outcomes to help improve quality care in the healthcare and medical industries in the most cost–efficient manner.Practical Predictive Analytics and Decisioning Systems for Medicine provides the basics of predictive analytics for those new to the area and focuses on general philosophy and activities in the healthcare and medical system. It explains why predictive models are important, and how they can be applied to the predictive analysis process in order to solve real industry problems. Researchers need this valuable resource to improve data analysis skills and make more accurate and cost-effective decisions. - Includes models and applications of predictive analytics why they are important and how they can be used in healthcare and medical research - Provides real world step-by-step tutorials to help beginners understand how the predictive analytic processes works and to successfully do the computations - Demonstrates methods to help sort through data to make better observations and allow you to make better predictions

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1111

Publisher

Academic Press

Published Date

ISBN 10

012411640X

ISBN 13

9780124116405

Conscience and Conversion

Religious Liberty in Post-revolutionary France

By: Thomas Albert Kselman

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Conscience and Conversion

Religious Liberty in Post-revolutionary France

By: Thomas Albert Kselman

A unique exploration of religious liberty in the aftermath of the French Revolution through the lens of individual conversion stories

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401

Publisher

Yale University Press

Published Date

ISBN 10

0300226136

ISBN 13

9780300226133

Fatherless Daughters

Turning the Pain of Loss into the Power of Forgiveness

By: Pamela Thomas

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Fatherless Daughters

Turning the Pain of Loss into the Power of Forgiveness

By: Pamela Thomas

A moving, elegantly written, and exhaustively researched account of what it means for a girl to lose a father to death or divorce—with advice for fatherless daughters on how to cope. “People who lose their parents early in life are like fellow war veterans. As soon as they discover that they are talking to someone else who has lost a parent, they know they are speaking the same language without uttering a word.” Pamela Thomas gives voice to this unspoken pain in Fatherless Daughters. Still haunted by her own father’s death when she was ten, Thomas decided to explore its effects. Though her journey began as a personal one, she soon felt the need to hear from other women and ended up interviewing more than one hundred fatherless women. They ranged in age from nineteen to ninety-four; they came from all areas of the country as well as Europe and Asia; some had lost their fathers to death, others to divorce or abandonment. Each account was unique, but the impact of a father’s loss was profound in every woman’s life. Thomas begins by defining what it means to be a father in our world. She discusses the initial shock of his loss, exploring the aspects that color how a young girl experiences it: her age at the time of her father’s death or abandonment, her mother’s behavior and attitudes, her place in the family vis-à-vis siblings, and the influence of a stepfather or father-surrogates. Thomas shows how a father’s early death or abandonment affects a woman’s emotional health and self-esteem, her body image, her sexual experiences, her marriage, her family life, and her career. Perhaps most important, Thomas offers compassionate advice for coming to terms with father loss, even late in life, from actively mourning, to healing, to starting fresh.

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368

Publisher

Simon and Schuster

Published Date

ISBN 10

1982103264

ISBN 13

9781982103262

Central Bank Digital Currencies in the Middle East and Central Asia

By: Serpil Bouza,Bashar Hlayhel,Thomas Kroen,Mr. Marcello Miccoli,Borislava Mircheva,Greta Polo,Sahra Sakha,Yang Yang

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Central Bank Digital Currencies in the Middle East and Central Asia

By: Serpil Bouza,Bashar Hlayhel,Thomas Kroen,Mr. Marcello Miccoli,Borislava Mircheva,Greta Polo,Sahra Sakha,Yang Yang

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International Monetary Fund

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ISBN 13

9798400263798

Monetary Policy Transmission in Oman

By: Thomas Kroen

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Monetary Policy Transmission in Oman

By: Thomas Kroen

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International Monetary Fund

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ISBN 13

9798400278358

A Financial Sector for the Economy of the Future

Oman

By: Thomas Kroen

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A Financial Sector for the Economy of the Future

Oman

By: Thomas Kroen

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International Monetary Fund

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ISBN 13

9798400278778

Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

By: Mr. Adrian Alter,Bashar Hlayhel,Thomas Kroen,Thomas Piontek

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Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

By: Mr. Adrian Alter,Bashar Hlayhel,Thomas Kroen,Thomas Piontek

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International Monetary Fund

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ISBN 13

9798400270017

Thomas of Erceldoune

By: Thomas,Alois Brandl

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Thomas of Erceldoune

By: Thomas,Alois Brandl

This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work. As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.

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162

Publisher

Wentworth Press

Published Date

ISBN 10

0274025876

ISBN 13

9780274025879

Death in Venice, Tonio Kroger, and Other Writings: Thomas Mann

By: Thomas Mann

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Death in Venice, Tonio Kroger, and Other Writings: Thomas Mann

By: Thomas Mann

Thomas Mann (1875-1955) won the Nobel Prize for literature in 1929. This is a collection of his shorter works. "Death in Venice", later filmed by Lucion Visconti starring Dirk Bogarde, was published in 1911. It is a poetic meditation on art and beauty, where the dying composer Aschenbach (modelled on Gustav Mahler) becomes fixated by the young boy Tadzio. The other stories are: "Tonio Kroger"; the collection entitled "Tristan"; "The Blood of the Walsungs"; "Mario the Magician"; and "The Tables of the Law". A number of essays are also included.

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354

Publisher

A&C Black

Published Date

ISBN 10

0826409717

ISBN 13

9780826409713

Frost

By: Thomas Bernhard

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Frost

By: Thomas Bernhard

At the behest of his surgical mentor, a young Austrian medical student poses as a law student to journey to a remote mining town in order to observe Strauch, an aging painter and brother of his mentor, without letting Strauch know his true occupation, and becomes caught up in the lives of the mad artist and a colorful assortment of local characters, in the first English edition of the author's debut novel.

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348

Publisher

Alfred a Knopf Incorporated

Published Date

ISBN 10

1400040663

ISBN 13

9781400040667

Letters of Heinrich and Thomas Mann, 1900-1949

By: Thomas Mann

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Letters of Heinrich and Thomas Mann, 1900-1949

By: Thomas Mann

Presents the correspondence of Thomas and Heinrich Mann

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478

Publisher

Taylor & Francis US

Published Date

ISBN 10

0520072782

ISBN 13

9780520072787

Book's by Thomas Kroen

A Financial Sector for the Economy of the Future

A Financial Sector for the Economy of the Future

Central Bank Digital Currencies in the Middle East and Central Asia

Central Bank Digital Currencies in the Middle East and Central Asia

Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

Monetary Policy Transmission in Oman

Monetary Policy Transmission in Oman

Truespel Book Two: Phonetic Dictionary of USA English

Truespel Book Two: Phonetic Dictionary of USA English

Practical Predictive Analytics and Decisioning Systems for Medicine

Practical Predictive Analytics and Decisioning Systems for Medicine

Conscience and Conversion

Conscience and Conversion

Fatherless Daughters

Fatherless Daughters

Central Bank Digital Currencies in the Middle East and Central Asia

Central Bank Digital Currencies in the Middle East and Central Asia

Monetary Policy Transmission in Oman

Monetary Policy Transmission in Oman

A Financial Sector for the Economy of the Future

A Financial Sector for the Economy of the Future

Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

Financial Stability in a Higher-for-Longer Interest Rate Environment The Case of the Middle East and North Africa

Thomas of Erceldoune

Thomas of Erceldoune

Death in Venice, Tonio Kroger, and Other Writings: Thomas Mann

Death in Venice, Tonio Kroger, and Other Writings: Thomas Mann

Frost

Frost

Letters of Heinrich and Thomas Mann, 1900-1949

Letters of Heinrich and Thomas Mann, 1900-1949

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