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  • in Tech
  • 1 min read

ABN Riskmodel updates delayed

ABN Amro heeft de verbetering van zijn risicomodellen uitgesteld, waardoor de bank meer kapitaal aanhoudt dan nodig. Dit heeft ook geleid tot de uitstel van een beslissing over de inkoop van eigen aandelen tot halverwege 2025. De bank heeft al langer problemen met de kwaliteit van zijn risicomodellen en data, die niet allemaal voldoen aan de eisen van de toezichthouder.

De bank heeft meer personeel aangenomen om zijn risicomodellen en data te verbeteren, maar deze proces heeft langer geduurd dan verwacht. ABN Amro wil de implementatie van Basel IV-regels en de update van zijn risicomodellen afronden voor het einde van het tweede kwartaal 2025. Pas toen zal het bestuur beslissen of er ruimte is voor de inkoop van eigen aandelen.

CEO Robert Swaak heeft aangekondigd dat hij in de eerste helft van 2025 zal stoppen bij ABN Amro, en de zoektocht naar zijn opvolger is in gang gezet. CFO Ferdinand Vaandrager heeft gesteld dat het vinden van geschikte talent met kennis van bankrisico's en regelgeving een uitdaging is in Nederland.

Hoewel er uitdagingen zijn, heeft ABN Amro een winst van €690 miljoen gemeld in het derde kwartaal, wat 9% lager is dan hetzelfde kwartaal vorig jaar. Het netto rentebaten bedroeg €1,6 miljard, wat de verwachtingen van analisten overtreft. De kostenoormaatstaf was 59,2%, wat lager is dan verwacht.

De CEO van ABN Amro, Robert Swaak, is optimistisch over de toekomst, omdat hij de veerkracht van de Nederlandse economie en de florerende huizenmarkt waardeert. Hij verwacht dat de Europese Centrale Bank de rente zal blijven verlagen, wat gunstig is voor de bank.

  • in Tech
  • 2 min read

We are AI

The concept of Artificial Intelligence (AI) is a reflection of humanity's thoughts, biases, and flaws. AI systems are designed by humans, and therefore, they inherit our strengths and weaknesses. This means that AI can exhibit both positive and negative traits, such as creativity, empathy, and prejudice.

AI can perpetuate and amplify existing biases in society, including gender, racial, and age-based biases. It can also exhibit emotional intelligence, recognizing and responding to emotions, but it can lack empathy and understanding. AI can generate creative content, but it can also be limited by its programming and lack of human intuition.

Moreover, AI can make decisions, but it can be influenced by its programming and lack of human judgement. This highlights the importance of designing and developing AI systems that are transparent, accountable, and fair, and that reflect the values and principles of humanity. image

Some key takeaways from this perspective include:

  • AI is a reflection of humanity's thoughts, biases, and flaws.
  • AI systems can exhibit both positive and negative traits, such as creativity, empathy, and prejudice.
  • It is essential to design and develop AI systems that are transparent, accountable, and fair.
  • AI should reflect the values and principles of humanity.

Overall, this perspective provides an interesting view on the relationship between AI and humanity..

  • 2 min read

Penrose tiles!

A fascinating topic in mathematics and art

Penrose tiles are a type of non-periodic tiling, named after the mathematician Roger Penrose, who first described them in the 1970s. These tiles are designed to fit together without any gaps or overlaps, but they cannot be repeated in a regular pattern.

Here are some interesting facts about Penrose tiles:

  1. Non-periodic: Penrose tiles are non-periodic, meaning that they cannot be repeated in a regular pattern. This is in contrast to traditional periodic tilings, such as brick walls or hexagonal tiles, which repeat in a predictable pattern.
  2. Aperiodic: Penrose tiles are also aperiodic, meaning that they do not have a repeating pattern. This is what makes them so unique and interesting.
  3. Two types of tiles: There are two types of Penrose tiles: the "Rhombus" and the "Kite". The Rhombus tile has two acute angles and two obtuse angles, while the Kite tile has two acute angles and two right angles.
  4. Tiling rules: To create a Penrose tiling, you need to follow specific rules. The Rhombus tile can be placed in one of two ways, and the Kite tile can be placed in one of four ways. These rules ensure that the tiles fit together without gaps or overlaps.
  5. Infinity: Penrose tilings can be extended infinitely in all directions, without repeating. This means that you can create a Penrose tiling that covers an entire surface, without ever repeating a pattern.
  6. Artistic applications: Penrose tilings have been used in various artistic applications, such as architecture, design, and even music. They add a unique and fascinating element to any design.
  7. Mathematical significance: Penrose tilings have significant mathematical implications. They demonstrate the existence of non-periodic structures and have connections to other areas of mathematics, such as group theory and algebraic geometry.

If you're interested in exploring Penrose tiles further, you can try creating your own tiling using paper or digital tools. There are also many online resources and software available to help you create and manipulate Penrose tilings.

https://www.google.com/search?q=penrose+tiling+generator

  • 2 min read

The Ancient Netherlands

Prehistory (before 500 BCE)

  • The Netherlands has a rich prehistoric past, with evidence of human habitation dating back to the Paleolithic era (around 250,000 BCE).
  • The region was inhabited by various tribes, including the Batavi, Cananefates, and Frisii.
  • The earliest known settlements were found in the Rhine-Meuse delta, where the rivers Rhine, Meuse, and Waal meet.

Roman Era (500 BCE - 450 CE)

  • The Romans conquered the Netherlands in the 1st century BCE and established the province of Germania Inferior.
  • The Romans built roads, fortifications, and settlements, including the city of Ulpia Noviomagus (modern-day Nijmegen).
  • The Roman era saw significant trade and cultural exchange with other parts of Europe.

Migration Period and Early Middle Ages (450 - 1000 CE)

  • After the Roman withdrawal from the Netherlands, various Germanic tribes, such as the Franks and Saxons, settled in the region.
  • The Franks established the Frankish Kingdom, which would eventually become the Holy Roman Empire.
  • The Early Middle Ages saw the rise of monasteries and the spread of Christianity.

Medieval Period (1000 - 1500 CE)

  • The Netherlands was a key location for trade and commerce, with the Hanseatic League playing a significant role.
  • The region was divided into various counties and lordships, with the County of Holland emerging as a powerful entity.
  • The medieval period saw the construction of many castles, churches, and monasteries.

Golden Age (1500 - 1700 CE)

  • The Netherlands experienced a period of rapid economic growth and cultural flowering, often referred to as the Dutch Golden Age.
  • The country became a major center for trade, finance, and art, with cities like Amsterdam and Leiden emerging as hubs of commerce and culture.
  • The Dutch East India Company was founded in 1602, marking the beginning of the Netherlands' colonial era.

Modern Era (1700 - present)

  • The Netherlands continued to play a significant role in international trade and politics, with the country becoming a major player in the Enlightenment and the Industrial Revolution.
  • The country experienced significant social and economic changes, including the rise of the middle class and the abolition of slavery.
  • Today, the Netherlands is a modern, secular democracy, known for its tolerant society, high standard of living, and rich cultural heritage.