WorldWideScience

Sample records for bank collapse challenges

  1. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

    Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.

  2. The competitive challenge in banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Schmeits, A.

    2005-01-01

    The increasingly competitive environment poses challenges to bankers. This paper emphasizes relationship banking as a prime source of the banks' comparative advantage. The proliferation of transaction-oriented banking (trading and financial market activities) does however seriously challenge

  3. The role of bank collapse on tidal creek ontogeny: A novel process-based model for bank retreat

    Science.gov (United States)

    Gong, Zheng; Zhao, Kun; Zhang, Changkuan; Dai, Weiqi; Coco, Giovanni; Zhou, Zeng

    2018-06-01

    Bank retreat in coastal tidal flats plays a primary role on the planimetric shape of tidal creeks and is commonly driven by both flow-induced bank erosion and gravity-induced bank collapse. However, existing modelling studies largely focus on bank erosion and overlook bank collapse. We build a bank retreat model coupling hydrodynamics, bank erosion and bank collapse. To simulate the process of bank collapse, a stress-deformation model is utilized to calculate the stress variation of bank soil after bank erosion, and the Mohr-Coulomb failure criterion is then applied to evaluate the stability of the tidal creek bank. Results show that the bank failure process can be categorized into three stages, i.e., shear failure at the bank toe (stage I), tensile failure on the bank top (stage II), and sectional cracking from the bank top to the toe (stage III). With only bank erosion, the planimetric shapes of tidal creeks are funneled due to the gradually seaward increasing discharge. In contrast to bank erosion, bank collapse is discontinuous, and the contribution of bank collapse to bank retreat can reach 85%, highlighting that the expansion of tidal creeks can be dominated by bank collapse process. The planimetric shapes of tidal creeks are funneled with a much faster expansion rate when bank collapse is considered. Overall, this study makes a further step toward more physical and realistic simulation of bank retreat in estuarine and coastal settings and the developed bank collapse module can be readily included in other morphodynamic models.

  4. Managing organizational errors: Three theoretical lenses on a bank collapse

    OpenAIRE

    Giolito, Vincent

    2015-01-01

    Errors have been shown to be a major source of organizational disasters, yet scant research has paid attention to the management of errors that is, what managers do once errors have occurred and how actions may determine outcomes. In an early attempt to build a theory of the management of organizational errors, this paper examines how extant theory applies to the collapse of a bank. The financial industry was chosen because of the systemic risks it entails, as demonstrated by the financial cr...

  5. Loyalty programs challenges in retail banking industry

    OpenAIRE

    Ivanauskienė, Neringa; Auruškevičienė, Viltė

    2009-01-01

    The purpose of this paper is to examine the challenges of loyalty programs in retail banks in Lithuania. Case study methodology was chosen to analyze the loyalty programs launched by various banks to show how banks are building the loyalty of individual customers and what challenges these banks face. The findings suggest that the majority of analyzed loyalty programs reward a repeat purchasing. Lithuanian retail banks launching loyalty programs for two customer segments - the potentially prof...

  6. The Role of Undercutting of Banks in the Collapse and Evolution of ...

    African Journals Online (AJOL)

    The influence of undercutting in rill banks on the development and collapse of rill banks and on the subsequent evolution of the rill channels were investigated in a laboratory flume. Undercutting of rill banks were observed to develop in rill channels by 'reverse roller' effect of plunging water jet into scour holes, cutting the ...

  7. Electronic Banking in Nigeria: Concepts, Challenges and Prospects ...

    African Journals Online (AJOL)

    Electronic Banking in Nigeria: Concepts, Challenges and Prospects. ... examined its prospects for Nigerian banks and discussed associated risks. ... E banking, it also observed, holds enormous potentials for the banking industry in Nigeria.

  8. How to deal with the collapse of a banking system the Icelandic way

    DEFF Research Database (Denmark)

    Solnes, Valgerdur

    2016-01-01

    In the fall of 2008, a crisis materialized in the global financial markets, creating the imminent risk of collapse in Icelandic's largest financial institutions and the banking system as a whole. The perilous situation originated in similar conditions that formed overseas in the US and around...

  9. E-Banking in Pakistan: Issues and Challenges

    OpenAIRE

    Syed Sheheryar Ali Kazmi; Muhammad Hashim

    2015-01-01

    Banking sectors are now moving to online banking services, which enable customers to get access to their accounts form their web enable computers to banking online system. The main purpose of this article is to describe the major issue and challenges in the development in online banking industry and also to show the application of electronic banking in Pakistan, through e-banking the banking sectors can reduce the operating cost and provide fast and more better services to their customers and...

  10. Possibilities, challenges and solutions of marketing within internet bank

    OpenAIRE

    Rullis, Hermanis

    2011-01-01

    ANNOTATION Purpose of dissertation “Possibilities, challenges and solutions of marketing within internet bank” is to evaluate a role of internet bank in the bank marketing, to research adoption of internet banking among private customers and to provide suggestions to improve marketing within internet bank. First chapter of dissertation contains evaluation of internet bank’s role in the bank marketing. Second chapter contains research of internet banking adoption among private customers ...

  11. Banking System Stability and Public Security: the Cases of the Collapse of the Commercial Banks “Snoras” and “Ūkio bankas” in Lithuania

    Directory of Open Access Journals (Sweden)

    Mažylis Liudas

    2014-12-01

    Full Text Available The stability of the banking system is analyzed in the article as an important condition of security of the society. The article analyzes the short term and long term impact of the collapse of two commercial banks, “Snoras” and “Ūkio bankas”, on the public attitude about the banking activities in Lithuania. Employing new institutionalism theoretical approaches, an analytical model is constructed based on the reconstruction of discursive devices of two Lithuanian Internet news portals, Delfi.lt and Lrytas.lt. The positions of the main process actors (Bank of Lithuania, Heads of the State, and media itself within a changing structural environment are assessed. The article argues that new institutionalism presents an appropriate theoretical framework for characterizing the processes analyzed, taking into account calculations of actors and explaining development of political processes, and taking into account circumstances of consensus reached in the former stages of political processes. Employing the discursive institutionalism approach enables the understanding of actors as actively influencing and changing structural environment. Five stages of bank collapse are defined according to the reflections in the news media portals. They differ by their continuity, intensity and by the means used for (re-constructing discourses, comparing former case of collapse with the latter one. For instance, the position of the society caused by the “Snoras” bank collapse can be characterized as a classical case of cognitive dissonance: commercial banks are treated by the society as untrustworthy and at the same time society’s behavior shows that society is benefiting from the bank services. Politically the problem analyzed seems like a marginal one without any important influence on mainstream political processes. It seems that the situation after the bank collapse is different from early post-Soviet times when “safety of savings” was an

  12. E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-10-01

    Full Text Available Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.

  13. Challenges of the banking consolidation in Nigeria | Oyefeso ...

    African Journals Online (AJOL)

    CBN) and the new mega banks may face as a consequence of the banking consolidation reforms in Nigeria. Surmounting these challenges will require CBN's commitment to implementing the Basel II directives and instituting adequate Act of ...

  14. Merchant Banks Fortunes And Structureal Challenges Of Universal ...

    African Journals Online (AJOL)

    Merchant Banks Fortunes And Structureal Challenges Of Universal Banking In The Port Harcourt Business Environment. ... The techniques adopted in the analysis of data included tabulation, simple percentage, and chi-square (X2). The findings indicated that, although the advent of universal banking has opened up a new ...

  15. Central Bank Challenges in the Global Economy

    NARCIS (Netherlands)

    F. Amtenbrink (Fabian)

    2011-01-01

    textabstractIntroductory Remarks: There are few institutions linked to the exercise of public power in the economic sphere that have stood the test of time for as long as central banks. Indeed their origins can be traced back to the seventeenth century when in 1668 the Swedish ‘Bank of the Estates

  16. Basel III implementation: Issues and challenges for Indian banks

    Directory of Open Access Journals (Sweden)

    M. Jayadev

    2013-06-01

    Full Text Available The Basel III framework, whose main thrust has been enhancing the banking sector's safety and stability, emphasises the need to improve the quality and quantity of capital components, leverage ratio, liquidity standards, and enhanced disclosures. This article first lays the context of Basel III and then incorporates the views of senior executives of Indian banks and risk management experts on addressing the challenges of implementing the Basel III framework, especially in areas such as augmentation of capital resources, growth versus financial stability, challenges for enhanced profitability, deposit pricing, cost of credit, maintenance of liquidity standards, and strengthening of risk architecture.

  17. Islamic Banking Capital Challenges to Increase Business Expansion (Indonesia Cases)

    OpenAIRE

    Lucky Nugroho; Wiwik Utami; Caturida Meiwanto Doktorlina; Soeharjoto Soekapdjo; Tengku Chandra Husnadi

    2017-01-01

    In the case of Indonesia regarding capital sources in Islamic Banks, all Islamic Banks are subsidiaries of Conventional Banks (except Bank Muamalat). Bank Syariah Mandiri which is the only Islamic Bank that meets capital ownership with Business Category Bank Level III (BUKU III) is also a subsidiary of Bank Mandiri (conventional bank). In the same way, conventional banks become essential to meet the capital requirement to improve the business of Islamic Bank. This article aims to determine th...

  18. Mobile operators as banks or vice-versa? and: the challenges of Mobile channels for banks

    NARCIS (Netherlands)

    L-F. Pau (Louis-François)

    2004-01-01

    textabstractThis short paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents of flow of cash for themselves and third parties. Through analysis and data analysis from selected operators ,

  19. Bank Consolidation in Nigeria: Marketing Implications and Challenges for the Surviving Banks

    OpenAIRE

    IE Ernest

    2012-01-01

    The purpose of this paper is to explore the marketing implications of the Nigerian bank consolidation with a view to theorizing the marketing challenges which Third World countries wishing to embark on the same exercise should watch out for. The research used secondary data sources to expose the status of marketing in the pre-consolidation era and goes further to put forward the marketing implications and challenges of the exercise. Delivery of quality services, repositioning of brand identi...

  20. Creation of Nepal's First Skin Bank: Challenges and Outcomes.

    Science.gov (United States)

    Cai, Lawrence; Long, Chao; Karki, Bishal; Nakarmi, Kiran; Iqbal, Adnan; Casertano, Michele; Anderson, Sara; Patell, James; Chang, James; Rai, Shankar Man

    2017-11-01

    In Nepal, burn trauma causes more than 55,000 injuries each year. Burn-related mortality is high in Nepal, in part due to lack of allograft, leading to high infection rates. To address this challenge, our collaboration between Kirtipur Hospital, America Nepal Medical Foundation, Stanford University, and ReSurge International established Nepal's first skin bank. We identified 3 major tasks to create a sustainable skin banking program: 1) identify and acquire the equipment and personnel needed to collect, process, store, and graft cadaveric skin for burn injuries; 2) develop safe donation protocols and documentation tools that remain feasible for low-resource settings; and 3) develop a long-term awareness program to educate the Nepali people on skin donation, a previously foreign concept. Kirtipur Hospital acquired the necessary equipment and materials for the skin bank through a combination of local and international fundraising efforts. Existing U.S. skin banking protocols were adapted for the Nepali setting and piloted on potential patients, donors, and physicians. For the first time in the hospital's history, patients with > 40% total body surface area burns were successfully treated with extensive allografts. It is feasible to create a skin bank in a country with no tradition of allograft skin use. Long-term sustainability now depends on spreading awareness and education in the Kathmandu Valley to overcome religious and cultural barriers that have hindered donor recruitment. Our low-cost and high-impact skin bank provides a model to expand this system to other hospitals both within Nepal and beyond.

  1. Report of generation of the 'L1PG9321' nuclear bank of the CAORSO 3.26 collapsed assembly with the FMS codes

    International Nuclear Information System (INIS)

    Alonso V, G.

    1991-03-01

    In this work it is described in a general way the form in that the collapsed bank of the CAORSO 3.26 fuel as possible reload fuel for Laguna Verde it was generated. The formation of the bank was carried out with the ECLIPSE 86-2D, RECORD 89-1A and POLGEN 88-1B codes of the FMS package installed in the VAX system of the offices of the National Commission of Nuclear Safety and Safeguards in Mexico City. The formed bank is denominated L 1PG9321 . All this one was carried out following the '6F3/I/CN029/90/P1' procedure. To generate the bank, the five RECORD cells that compose the one assemble its were 'collapsed' in one alone, representing this to the complete assemble in what refers to the fuel bar distribution and enrichment. The one collapsed of the it assemble it is made averaging the content of UO 2 and Gd 2 O 3 in each fuel bar of the one assemble. Of this way is conserved the arrangement x-y of fuel bars but a representative fuel cell is obtained of everything the one it assembles being this the studied RECORD cell. In accordance with the requirements of nuclear information of FCS-II the nuclear information generated with RECORD should be of the one defined type as series 1 in the generation procedure of '6F3/I/CN029/90/P1' nuclear banks. This means that only the nuclear information as function of the burnt one of the fuel and of the hole in the fuel cell is required; however the bank also contains information of the defined type as series 2 with the control bar present for possible analysis of the reactor under these conditions. (Author)

  2. Report of the generation of the nuclear bank 'L1PG9121' of the SVEA-96 'collapsed' assemble for the FCS-II program with the FMS codes

    International Nuclear Information System (INIS)

    Alonso V, G.

    1992-01-01

    In this work it is described in a general way the form in that was generated the collapsed bank of the SVEA-96 fuel for Laguna Verde. The formation of the bank it was carried out with the ECLIPSE 86-2D, RECORD 89-1A and POLGEN 88-1B codes of the FMS package installed in the VAX system of the office of the National Commission of Nuclear Safety and Safeguards in Mexico D.F. The formed bank is denominated 'LlPG9121'. All this one carries out following the procedure '6F3/I/CN029/90/P1'. To generate the bank, both RECORD 'cells' that compose the assemble its were 'collapsed' in an alone one, representing this, the complete assemble in what refers to the distribution of fuel bar and enrichment. The collapsed of the assemble was made averaging the content of UO 2 and Gd 2 O 3 in each fuel bar of the one assemble. By this way the x-y array of fuel bars is conserved but a representative fuel cell of all the one assemble is obtained, being this the studied RECORD cell. In accordance with the requirements of nuclear information of FCS-II, the nuclear information generated with RECORD only was of the defined type as series 1 in the generation procedure of nuclear banks '6F3/I/CN029/90/P1'. This only means that only was generated nuclear information as function of the fuel burnt and of the vacuum in the fuel cell. Although the nuclear bank (L1PG9121) it was generated in these circumstances, it was also generates information of the defined type as series 2 with the present control bar for possible reactor analysis under these conditions. (Author)

  3. Islamic Banking Capital Challenges to Increase Business Expansion (Indonesia Cases

    Directory of Open Access Journals (Sweden)

    Lucky Nugroho

    2017-11-01

    Full Text Available In the case of Indonesia regarding capital sources in Islamic Banks, all Islamic Banks are subsidiaries of Conventional Banks (except Bank Muamalat. Bank Syariah Mandiri which is the only Islamic Bank that meets capital ownership with Business Category Bank Level III (BUKU III is also a subsidiary of Bank Mandiri (conventional bank. In the same way, conventional banks become essential to meet the capital requirement to improve the business of Islamic Bank. This article aims to determine the role of capital and operating profit for business expansion (financing in Bank Syariah Mandiri. The method used is the quantitative method by using statistical tool STATA version 13. The result of regression test is known that capital and profit have a significant influence in increasing financing expansion in Islamic Bank. Also, the price of the number of bad debts causes the lack of public confidence in the Islamic bank. The alternative to increasing the capital and public trust is government policies to support Islamic bank become independent.

  4. Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

    OpenAIRE

    Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

    2010-01-01

    Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

  5. Developing Strategies for Islamic Banks to Face the Future Challenges of Financial Globalization

    OpenAIRE

    Al Ajlouni, Ahmed

    2004-01-01

    Developing Strategies for Islamic Banks to Face the Future Challenges of Financial Globalization Ahmed Al-Ajlouni Abstract This study aims at forming strategic response to assess the ability of Islamic banks in benefiting from the opportunities that may be provided by financial globalization and limits its threats, through assessing the capability of Islamic banks to meet the requirements and challenges of financial globalization, then suggests the suitable strategies that may be ...

  6. The Challenges of Basel III for Romanian Banking System

    OpenAIRE

    Anca Elena NUCU

    2011-01-01

    Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the i...

  7. ISLAMIC BANKING IN TURKEY: POPULATION PERCEPTION AND DEVELOPMENT CHALLENGES

    Directory of Open Access Journals (Sweden)

    István EGRESI

    2017-05-01

    Full Text Available Islamic banks have, over the last few decades, become very popular in the Gulf countries and in some countries in Southeast Asia with a majority Muslim population. They are on the rise even in some western cities such as London or New York which have witnessed a significant increase in their Muslim population. In this context, it is then surprising to see that in Turkey, a country in which almost 100% of the population is Muslim, the Islamic banking system is still in its incipient stage. This study has investigated the reasons for the underdevelopment of the Islamic banking system in Turkey. We found that, due to the long period of secularism, most Turks separate religion from business and select their bank based on financial advantages, diversity of financial products and quality of service rather than based on the need to adhere to Shari’a principles. Many people also do not trust that these institutions are really Shari’a-compliant and safe. This is partly due to the customers’ lack of understanding of how these banks operate and partly due to the numerous cases of bad practices reported by the media and the academic literature. We conclude that, while their assets and share will most probably increase over the next 10 years it seems very unlikely that Islamic banks will really become a sustainable alternative banking system in Turkey. The Islamic banking system will rather remain an additional or complementary banking system.

  8. FUTURE CHALLENGES TO THE ORGANIZATION OF ACCOUNTING IN TRADE BANKS

    Directory of Open Access Journals (Sweden)

    Radka Andasarova

    2014-06-01

    Full Text Available Trade banks are on the threshold of the introduction of two big projects which would qualitatively change the organization of accounting. The first one is the adoption of long-expected accounting standard Financial instruments IFRS 9, and the second is connected to the introduction of new world standards in bank capital famous as Basel III - a global, voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity risk, through accepted in June 2013 by the EU Capital Requirements Directive 2013/36/EC and Capital Requirements Regulation 575/2013.

  9. The Challenges of Basel III for Romanian Banking System

    Directory of Open Access Journals (Sweden)

    Anca Elena NUCU

    2011-12-01

    Full Text Available Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the impact of Basel III upon banking system in Romania is considered to be limited. The measures which credit institutions could take to mitigate the impact of alignment with the new standards are business model adjustment and balance sheet restructuring.

  10. The Collapse of the United States Banking System During the Great Depression, 1929 to 1933. New Archival Evidence

    Directory of Open Access Journals (Sweden)

    Gary Richardson

    2007-03-01

    Full Text Available During the Great Depression, one third of all banks in the United States failed. Scholarsdispute reason for their demise. This essay analyzes new evidence on the sources of bankdistress. The data demonstrates that contagion via correspondent networks and bank runspropagated the initial banking panics in the fall of 1930. As the depression deepened and assetvalues declined, insolvency loomed as the principal threat to depository institutions. Thesepatterns corroborate some and question other conjectures concerning the causes andconsequences of the financial crisis during the Great Contraction.

  11. SME success in challenging times: Bank finance -lost in translation

    OpenAIRE

    Gray, DE; Saunders, MNK; Goregaoakar, H

    2013-01-01

    The conventional wisdom, not just in the UK but also internationally, is that the major banks are not interested in lending to small and medium-sized enterprises (SMEs). One of the main factors cited is that banks find it difficult to gauge whether SMEs have the capacity and/or willingness to repay their debts. In contrast, some studies suggest that most SMEs seeking external funding are successful in their applications. The current study sets out to investigate the truth of these seemingly c...

  12. Maize gene banks helps farmers adapt to new challenges | IDRC ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    2010-10-28

    Oct 28, 2010 ... English · Français ... The farmers use a multitude of maize (corn) varieties – landraces – that are “very well adapted to harsh environments and poor soils, and ... These varieties were then “frozen in time” in maize gene banks.

  13. [Soil seed bank research of China mining areas: necessity and challenges].

    Science.gov (United States)

    Chang, Qing; Zhang, Da-Wei; Li, Xue; Peng, Jian; Guan, Ai-Nong; Liu, Xiao-Si

    2011-05-01

    Soil seed bank consists of all living seeds existed in soil and its surface litter, especially in topsoil, and can reflect the characteristics of regional biodiversity. As the base of vegetation restoration and potential greening material, topsoil and its seed bank are the limited and non-renewable resources in mining areas. The study of soil seed bank has become one of the hotspots in the research field of vegetation restoration and land reclamation in China mining areas. Owing to the special characteristics of mining industry, the soil seed bank study of mining areas should not only concern with the seed species, quantities, and their relations with ground surface vegetation, but also make use of the research results on the soil seed bank of other fragile habitats. Besides, a breakthrough should be sought in the thinking ways and research approach. This paper analyzed the particularity of mining area's soil seek bank research, summarized the research progress in the soil seed bank of mining areas and other fragile habitats, and put forward the challenges we are facing with. It was expected that this paper could help to reinforce the soil seed bank research of China mining areas, and provide scientific guidelines for taking great advantage of the significant roles of soil seed bank in land reclamation and vegetation restoration in the future.

  14. HUMAN MILK BANK: CHALLENGES AND VISIBILITY FOR NURSING

    OpenAIRE

    Pontes, Mônica Barros de; Santos, Tânia Cristina Franco; Nogueira, André Luís Lima; Peres, Maria Angélica de Almeida; Rios, Maria Zilma; Almeida Filho, Antonio José de

    2017-01-01

    ABSTRACT Objective: analyze the implementation process of the human milk bank of a university hospital in the state of Espírito Santo and discuss the implications of this deployment to the regional nursing practice. Method: in this historical and social search the primary sources were interviews conducted with eight nurses, and documents from the nursing section. The thematic content analysis and the theoretical framework of Pierre Bourdieu allowed mediation of the objective and subjective ...

  15. Financial crisis and collapsed banks: psychological distress and work related factors among surviving employees--a nation-wide study.

    Science.gov (United States)

    Snorradóttir, Ásta; Vilhjálmsson, Rúnar; Rafnsdóttir, Guðbjörg Linda; Tómasson, Kristinn

    2013-09-01

    The study considered psychological distress among surviving bank employees differently entangled in downsizing and restructuring following the financial crisis of 2008. A cross-sectional, nationwide study was conducted among surviving employees (N = 1880, response rate 68%). Multivariate analysis was conducted to assess factors associated with psychological distress. In the banks, where all employees experienced rapid and unpredictable organizational changes, psychological distress was higher among employees most entangled in the downsizing and restructuring process. Being subjected to downsizing within own department, salary cut, and transfer to another department, was directly related to increased psychological distress, controlling for background factors. The associations between downsizing, restructuring, and distress were reduced somewhat by adding job demands, job control, and empowering leadership to the model, however, adding social support had little effect on these associations. Employees most entangled in organizational changes are the most vulnerable and should be prioritized in workplace interventions during organizational changes. Copyright © 2013 Wiley Periodicals, Inc.

  16. Deployment of German Electronic Citizen Cards in Banking: Opportunities and Challenges

    Science.gov (United States)

    Büger, Matthias

    The German federal government plans to issue an electronic citizen card (eID) in 2009, replacing the current identity card (Personalausweis). Since the eID should be good for identification in E-government as well as E-business applications, it is aimed to be used in the banking environment. One application would be opening a bank account in the internet. If this was possible, the process would be much easier than today. However, German law still requires a physical ID card. We will discuss the opportunities and the challenges of possible usage of eID in banking.

  17. Explanatory Power of Human and Environmental Pressures on the Fish Community of the Grand Bank before and after the Biomass Collapse

    Directory of Open Access Journals (Sweden)

    Danielle P. Dempsey

    2018-02-01

    Full Text Available Ecosystem based fisheries management will benefit from assessment of how various pressures affect the fish community, including delayed responses. The objective of this study was to identify which pressures are most directly related to changes in the fish community of the Grand Bank, Northwest Atlantic. These changes are characterized by a collapse and partial recovery of fish biomass and shifting trophic structure over the past three decades. All possible subsets of nine fishing and environmental pressure indicators were evaluated as predictors of the fish community structure (represented by the biomasses of six fish functional-feeding groups, for periods Before (1985–1995 and After (1996–2013 the collapse, and the Full time series. We modeled these relationships using redundancy analysis, an extension of multiple linear regression that simultaneously evaluates the effect of one or more predictors on several response variables. The analysis was repeated with different lengths (0–5 years and types (moving average vs. lags of time delays imposed on the predictors. Both fishing and environmental indicators were included in the best models for all types and length of time delays, reinforcing that there is no single type of pressure impacting the fish community in this region. Results show notable differences in the most influential pressures Before and After the collapse, which reflects the changes in harvester behavior in response to the groundfish moratoria in the mid-1990s. The best models for Before the collapse had strikingly high explanatory power when compared to the other periods, which we speculate is because of changes in the relationships among and within the pressures and responses. Moving average predictor sets generally had higher explanatory power than lagged sets, implying that trends in pressures are important for predicting changes in the fish community. Assigning a carefully chosen delay to each predictor further improved

  18. GLOBALIZATION AND INTEGRATION INTO THE ECONOMIC AND MONETARY UNION-CHALLENGES FOR BANKS OPERATING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    CORALIA EMILIA POPA

    2012-01-01

    Full Text Available This paper aims to present recent evolution, but also the consequences of globalization of the banking sector, considering different approaches of this phenomenon. Over time, the banking field has undergone important changes in both the applicable law of this area, and through the technologies used in satisfying the customers’ needs. The development of international markets has led to new opportunities and challenges for banks that transformed the domestic financial market into an arena where only the best survive and grow. On these grounds and in strict relation to positive and negative effects of globalization, we can speak of a constant evolution of its most important subsystems - the financial subsystems of the global economy. In this paper special importance is given to the banking field, the article presenting arguments through which this complex phenomenon called globalization may have important consequences on financial supervision and regulation.

  19. Electronic commerce, automation and online banking in Nigeria: challenges and benefits

    Directory of Open Access Journals (Sweden)

    B. Sc., M. Sc. Stephen A. Ojeka

    2011-05-01

    Full Text Available Electronic banking has been around for some time in the form of automatic teller machines and telephone transactions. More recently, it has been metamorphosed by the Internet; a new look and delivery channel for banking services that benefits both customers and banks. The objective of this paper is to find out the correlation between the anticipated benefits/challenges and encountered benefits/challenges. This paper therefore empirically, adopted the use of survey research to explore in quantitative terms the various challenges and benefits e-business poses to Nigeria businesses, with particular reference to Banking and Finance Industry. It was found out that there is statistically significant difference between the anticipated and encountered benefits and major challenge is the security breach faced the customers. We therefore recommend that workshops should be organized for customers periodically on how to keep their data secret especially on how to combine numbers to form password and Constant training of employees both local and international on new development in online trading should be encouraged.

  20. IFRS IN ROMANIAN BANKING SYSTEM. LIMITS AND CHALLENGES

    Directory of Open Access Journals (Sweden)

    Inesa TOFANICA

    2017-07-01

    Full Text Available In our globalized world, accounting has followed the trend and it has imposed comparability norms in order to adjust to everyday economic transactions. The International Financial Reporting Standards are a set of accounting standards developed by a non-profit organization called IASB (International Accounting Standards Board. This set of standards is applied in many countries all over the world, and Romania is one of them. The advantages of IFRS are well known and recognized, but the path of IFRS adoption is not always smooth. This paper aims to present the limits and the challenges encountered by the companies which apply IFRS in their financial reports.

  1. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  2. The Grand Challenges of Organ Banking: Proceedings from the first global summit on complex tissue cryopreservation.

    Science.gov (United States)

    Lewis, Jedediah K; Bischof, John C; Braslavsky, Ido; Brockbank, Kelvin G M; Fahy, Gregory M; Fuller, Barry J; Rabin, Yoed; Tocchio, Alessandro; Woods, Erik J; Wowk, Brian G; Acker, Jason P; Giwa, Sebastian

    2016-04-01

    The first Organ Banking Summit was convened from Feb. 27 - March 1, 2015 in Palo Alto, CA, with events at Stanford University, NASA Research Park, and Lawrence Berkeley National Labs. Experts at the summit outlined the potential public health impact of organ banking, discussed the major remaining scientific challenges that need to be overcome in order to bank organs, and identified key opportunities to accelerate progress toward this goal. Many areas of public health could be revolutionized by the banking of organs and other complex tissues, including transplantation, oncofertility, tissue engineering, trauma medicine and emergency preparedness, basic biomedical research and drug discovery - and even space travel. Key remaining scientific sub-challenges were discussed including ice nucleation and growth, cryoprotectant and osmotic toxicities, chilling injury, thermo-mechanical stress, the need for rapid and uniform rewarming, and ischemia/reperfusion injury. A variety of opportunities to overcome these challenge areas were discussed, i.e. preconditioning for enhanced stress tolerance, nanoparticle rewarming, cyroprotectant screening strategies, and the use of cryoprotectant cocktails including ice binding agents. Copyright © 2015.

  3. Avoiding collapse: Grand challenges for science and society to solve by 2050

    Directory of Open Access Journals (Sweden)

    Anthony D. Barnosky

    2016-03-01

    Full Text Available Abstract We maintain that humanity’s grand challenge is solving the intertwined problems of human population growth and overconsumption, climate change, pollution, ecosystem destruction, disease spillovers, and extinction, in order to avoid environmental tipping points that would make human life more difficult and would irrevocably damage planetary life support systems. These are not future issues: for example, detrimental impacts of climate change (increased wildfires and extreme weather, sea-level rise, ocean acidification, pollution (contaminated drinking water in many parts of the world, rapid population growth in some areas (contributing to poverty, war, and increasingly frequent migration and overconsumption in others (a main driver of overexploitation of resources and greenhouse gas emissions, and new disease outbreaks (Ebola, Zika virus already are apparent today, and if trends of the past half century continue, even more damaging, long-lasting impacts would be locked in within three decades. Solving these problems will require some scientific and technological breakthroughs, but that will not be enough. Even more critical will be effective collaboration of environmental and physical scientists with social scientists and those in the humanities, active exchange of information among practitioners in academics, politics, religion, and business and other stakeholders, and clear communication of relevant issues and solutions to the general public. This special feature offers examples of how researchers are addressing this grand challenge through the process of discovering new knowledge and relevant tools, transferring insights across disciplinary boundaries, and establishing critical dialogues with those outside academia to help effect positive global change.

  4. Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

    OpenAIRE

    Muhamed Saeed Baashar, Yahya Abd Elwahab

    2010-01-01

    Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

  5. The Rare Disease Bank of Japan: establishment, current status and future challenges.

    Science.gov (United States)

    Tada, Mayako; Hirata, Makoto; Sasaki, Mitsuho; Sakate, Ryuichi; Kohara, Arihiro; Takahashi, Ichiro; Kameoka, Yosuke; Masui, Toru; Matsuyama, Akifumi

    2018-04-02

    Research on rare diseases cannot be performed without appropriate samples from patients with such diseases. Due to the limited number of such patients, securing biosamples of sufficient quality for extensive research is a challenge and represents an important barrier to the advancement of research on rare diseases. To tackle this problem, the Rare Disease Bank (RDB) was established in 2009 at the National Institute of Biomedical Innovation (NIBIO; currently, the National Institutes of Biomedical Innovation, Health and Nutrition in Japan). Since then, the RDB has focused on three objectives: (1) emphasizing the importance of collecting biosamples from patients with rare diseases, together with appropriate clinical information, from various medical facilities nationwide; (2) maintaining strict high-quality sample management standards; and (3) sharing biosamples with research scientists across Japan for the advancement of research on rare diseases. As of August 2017, the bank has collected 4147 biosamples from patients with rare diseases, including DNA, serum, plasma, and cell samples from various university hospitals and other medical institutions across the country, and provided various research institutions with 13,686 biosample aliquots from 2850 cases. In addition, the management committee has successfully established a bank system that provides high-quality biosamples together with the results of human leukocyte antigen analysis. It is anticipated that the RDB, through the collection and sharing of biosamples with the medical research community, will enhance the understanding, prevention, and treatment of rare diseases in Japan and the world at large.

  6. Challenges of the Central Banks in the Post Crisis Period when Needed to Ensure the Financial Stability

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2016-09-01

    Full Text Available The concerns of the European and domestic monetary authorities to reform the current regulatory but also supervisory framework became our main reason to achieve this scientific approach. The international financial crisis has generated important dysfunctions at the level of the main activity of central banks but also at the level of the objectives that these banks should meet. Thereby, if most central banks have normally pursued the objective clearly stated in their mandate as "price stability", nowadays they are trying to achieve the "financial stability". Thus the main objective of this study particularly concerns: highlighting the role of central banks in ensuring the financial stability; and analyzing the challenges of the central banks after the financial crisis.

  7. Eliciting Characteristics, Condition and Challenges in Bank Frontline Services: A Service Quality Audit

    Directory of Open Access Journals (Sweden)

    Renante A. Egcas

    2018-02-01

    Full Text Available Continual improvement and customer satisfaction are not simply mantras but become a culture of an organization that had its quality management system certified. Hence, this study aimed to assess the operation of the new accounts section of the select provincial branches of an ISO certified bank in the Philippines. A survey instrument using the CCC (characteristics-condition-challenges framework was employed. The respondents were the new accounts clerks (NACs, supervisors and clients of the branches. The result revealed that the most essential and helpful characteristics of the NAC to achieve maximum clients’ satisfaction are being accommodating, accurate, compliant, fast, facilitative, and pleasing. The result further revealed that the condition of the New Account Section (NAS as to the level of compliance and satisfaction in triangulated assessment was ‘very highly compliant/satisfactory’ in the different areas of operation, hence, conforming processes were evident. Furthermore, the result revealed that the challenges or the issues and problems encountered by the NACs are bulk of works, complaining clients, impatient clients, long processes, and overwhelming clients. Generally, the stakeholders of the bank, particularly the clients desired to be wellaccommodated and well-facilitated by a pleasing and efficient employee in a shortest possible time because for them this is ‘good service’. For continual improvement and business excellence, more procedural and service innovations on some aspects of operations are wanting.

  8. Challenge of mitigating bank frauds by judicious mix of technology: Experience of a developing country

    Directory of Open Access Journals (Sweden)

    Madan Lal Bhasin

    2016-12-01

    Full Text Available Banks are the engines that drive the operations in the financial sector, money markets and growth of an economy. With the rapidly growing banking industry in India, frauds in banks are also increasing fast, and fraudsters have started using innovative methods. A questionnaire-based survey was conducted in 2013-14 among 345 bank employees to know their perception towards bank frauds, degree of their compliance level, and integration of technology to detect, control and prevent frauds. This study provides discussion of the attitudes, strategies, and the technology that bank specialists will need to combat frauds. Banks that can leverage advances in technology and analytics to improve fraud prevention will reduce their fraud losses. In 2015, the RBI introduced new mechanisms for banks to check loan frauds by taking pro-active steps by setting up a Central Fraud Registry, introduced the concept of Red Flagged Account, and Indian investigative agencies will soon start sharing their databases with banks.

  9. Understanding the health and wellbeing challenges of the food banking system: A qualitative study of food bank users, providers and referrers in London.

    Science.gov (United States)

    Thompson, C; Smith, D; Cummins, S

    2018-05-16

    In the UK, food poverty has been associated with conditions such as obesity, malnutrition, hypertension, iron deficiency, and impaired liver function. Food banks, the primary response to food poverty on the ground, typically rely on community referral and distribution systems that involve health and social care professionals and local authority public health teams. The perspectives of these key stakeholders remain underexplored. This paper reports on a qualitative study of the health and wellbeing challenges of food poverty and food banking in London. An ethnographic investigation of food bank staff and users was carried out alongside a series of healthcare stakeholder interviews. A total of 42 participants were interviewed. A Critical Grounded Theory (CGT) analysis revealed that contemporary lived experiences of food poverty are embedded within and symptomatic of extreme marginalisation, which in turn impacts upon health. Specifically, food poverty was conceptualised by participants to: firstly, be a barrier to providing adequate care and nutrition for young children; secondly, be exacerbated by lack of access to adequate fresh food, food storage and cooking facilities; and thirdly, amplify existing health and social problems. Further investigation of the local government structures and professional roles that both rely upon and serve to further embed the food banking system is necessary in order to understand the politics of changing welfare landscapes. Copyright © 2018 The Authors. Published by Elsevier Ltd.. All rights reserved.

  10. Implementation of e-banking in Vietnam : motivations and challenges - case Company A

    OpenAIRE

    Dao, Phuong Nam

    2014-01-01

    The introduction of e-banking services is considered a breakthrough of the banking industry, bringing various benefits to both customers and financial institutions. In this era of modern technology, the implementation of e-banking services plays a significant role in helping financial institutions to remain competitive and adapt to the recent changes of the market. This study targets the implementation process of e-banking services in Vietnam, with two main objectives. The first goal of th...

  11. 20 Years After the Collapse of the Soviet Union – New Challenges for the Contemporary Security Environment

    Directory of Open Access Journals (Sweden)

    Olesea Ţăranu

    2011-11-01

    Full Text Available The inexpected collapse of the Soviet Union in december 1991 can be seen, without any doubt, as the meta-event of the second half of the 20th century. The early years of this new Era determined a lot of confusion, but in the same time, as before in 1918 and 1945, many experts and politicians looked forward to more peaceful times, hoping that with the end of the Cold War the world would become a more settled and peaceful place. Unfortunately, the bloody conflicts in the 1990s, and especially the terrorist atacks from 9/11 highlighted the limits of those initial optimistic theories, marking the beginning of a new, much more complex, dynamic, instable Post Post-Cold War Era, with a new world order in wich we are witnessing a broadening and deepening process of the insecurity in the context of the globalization phenomenon.

  12. Texture collapse

    International Nuclear Information System (INIS)

    Prokopec, T.; Sornborger, A.; Brandenberger, R.H.

    1992-01-01

    We study single-texture collapse using a leapfrog discretization method on a 30x30x30 spatial lattice. We investigate the influence of boundary conditions, physical size of the lattice, type of space-time background (flat, i.e., nonexpanding, vs radiation-dominated and matter-dominated universes), and spatial distribution of the initial texture configuration on collapse time and critical winding. For a spherically symmetric initial configuration of size equal to the horizon size on a lattice containing 12 (30) horizon volumes, the critical winding is found to be 0.621±0.001 (0.602±0.003) (flat case), 0.624±0.002 (0.604±0.005) (radiation era), 0.628±0.002 (0.612±0.003) (matter era). The larger the physical size of the lattice (in units of the horizon size), the smaller is the critical winding, and in the limit of an infinite lattice, we argue that the critical winding approaches 0.5. For radially asymmetric cases, contraction of one axis ( /Ipancake case) slightly reduces collapse time and critical winding, and contraction of two axes (d/Icigar case) reduces collapse time and critical winding significantly

  13. Challenges of the banking regulation systems in the climate of the world economic crisis

    Directory of Open Access Journals (Sweden)

    Sedlarević Lazar

    2014-01-01

    Full Text Available At the end of the 20th century, banking systems of the developed countries have undergone multiple changes, where the basic dimensions of those changes were integration, deregulation and globalisation of activities. The resultant of these factors' actions was the creation of highly risky banking environment, which acted as a catalyst of the world economic crisis effects. These effects brought to the forefront weaknesses of the banking sector and of the banking regulation system, while emphasizing the need for their redefining. Hence this work examines in detail concrete models of the banking regulation systems in the European Union area and in the United States of America. In addition, directions of redefining regulation system were highlighted, and also the relevant differences between banking business regulation in the European Union and in the United States of America.

  14. The Chinese Banking Sector: Challenges and Prospects in the Coming Years

    Institute of Scientific and Technical Information of China (English)

    JunjieLi

    2004-01-01

    China's banking sector will continue its rapid expansion in the next few years. However,competition will intensify, and return on banks' assets will be unlikely improved substantially.In several years merger and consolidation will become inevitable in the sector, and many small- and medium-sized banks will need to fight for their survival. To assure long-term viability, small-and medium-sized banks should either take advantage of the rapid market expansion in the near term to increase their sizes to the next level, or to specialize in certain products or customer groups. The tasks of bank regulations currently include enhancingbanks' internal management and control, improving asset quality, and carrying out China'srelevant WTO commitments. But at a more fundamental level, the regulatory, objective should be to establish a healthy and orderly market environment in China's banking sector,control systemic risks, and foster efficient allocation of financial resources.

  15. Critical challenges affecting Islamic banking growth in India using Analytical Hierarchy Process (AHP)

    OpenAIRE

    Mosab I. Tabash

    2017-01-01

    The banking sector plays a vital role in growth-supporting factor for economic growth in the world’s fastest-growing economies like India. Recently, Islamic banking has become an increasingly popular method for alleviating poverty, financial inclusion and economic development around the world. Its importance is highly needed in developing and emerging countries such as India. The main purpose of the paper is to identify and prioritize the critical impeding factors for Islamic banking growth i...

  16. World Bank: Management Controls Stronger, But Challenges in Fighting Corruption Remain

    National Research Council Canada - National Science Library

    2000-01-01

    Concerns about corruption have intensified in recent years as there is a growing realization among international financial donors, including the World Bank, that corruption may undermine development...

  17. Six collapses

    International Nuclear Information System (INIS)

    Miller, R.H.; Smith, B.F.

    1979-01-01

    The self-consistent dynamical development of six stellar systems, started from rotating spherical configurations, has been studied by means of a fully three-dimensional n-body integration. The six examples had different initial angular velocities and velocity dispersions. All settled down into prolate bars rotating about a short axis within two initial rotation periods. The bars are long-lived, robust, and stable. Bars are the natural form toward which rapidly rotating stellar dynamical systems develop, instead of the flattened axisymmetric disks that had been expected.The early stages of each collapse are reasonably well described by a theoretical model according to which a collapse passes through a sequence of rigidly rotating, uniform-density spheroids. The first significant departures from spheroidal form were axisymmetric in all cases. Rings formed in some examples, sheets in others, with transition cases between these extremes. Nonaxisymmetry forms developed from these intermediate stages

  18. World Bank: Management Controls Stronger, But Challenges in Fighting Corruption Remain

    National Research Council Canada - National Science Library

    2000-01-01

    ... by deterring investment and growth and exacerbating poverty Although no Bank-wide estimates of the magnitude of this problem have been developed, levels of corruption vary from country to country...

  19. NEW CHALLENGES OF RISK MANAGEMENT IN BANKS IN THE GLOBALISATION CONTEXT

    Directory of Open Access Journals (Sweden)

    Cătălin SABĂU

    2013-06-01

    Full Text Available This paper aims to address the growing need for new standards in the management of two major risks financial entities face - credit risk and liquidity risk, in the context of this phenomenon extremely large and complex called globalization, by identifying risks, analyzing them and presenting their management techniques. Taking into account the fact that the banking system plays a crucial role in any national economy as a central pillar in its functions: lending the real economy and acting as a payment system-base regulation and prudential supervision of the banking system is the main component and also a prerequisite for ensuring and maintaining the financial and economic health of a country. Regardless of the approach, credit risk is the main cause of bank failures and from here the need for the imposition of minimum requirements in managing credit risk and also liquidity risk is seen as the risk of disruptions in providing liquid funds of the bank. The ultimate goal of this paper is to minimize the consequences arising from the banks activity or at least allow it to absorb only the optimal amount of this type of risk.

  20. New Global Financial Order and Promotion of Asian Infrastructural Investment Bank (AIIB: Opportunities and Challenges for Africa

    Directory of Open Access Journals (Sweden)

    Jacob Olufemi Fatile

    2016-03-01

    Full Text Available The main objective of this paper is to examine the effect of Asian Infrastructure Investment Bank (AIIB on infrastructural development in developing countries with specific reference to Africa. The paper argues that availability of infrastructure has become one of the major problems in the process of economic development generally in the Global South. Given the need for hugecapital infrastructure in the region and thepresence of the financing gap in infrastructure financing, China initiated the establishment of the AIIB, therefore, heralding a new chapter in the international finance system. The study uses the “New Model Development Finance” lens to discuss Global Governance of Finance with a historical overview of GlobalFinancial Institutions such as the International Monetary Fund (IMF and World Bank that have been in existence for close to seven decades. It identifies the majorchallenges which emerging economies have with existing international financial institutions as well as some opportunities and challenges for African countries. It observes that the establishment of AIIB is a major diplomatic victory for China and a foreign policy fiasco for the United States. It argues further that the new bank is a parallel project to the existing international financial institutions and may accidentally lead to a reform of the Bretton Woods system. The paper recommends among others that AIIB should find a way to work hand-in-hand with other existing Multilateral Development Banks (MDBs since cooperation with such development agencies can engender positive image and goodwill for the new bank. It concludes that the establishment and development of AIIB need support from all over the world because AIIB is designed to provide financing methods for infrastructure in developing countries across the globe including African nations.

  1. Monetary Operations and Islamic Banking in The GCC: Challenges and Options

    Directory of Open Access Journals (Sweden)

    Ritu Basu

    2018-03-01

    Full Text Available The assessment provides evidence of market segmentation across Islamic and conventional banks in the Gulf Cooperation Council (GCC, leading to excess liquidity, and an uneven playing field for Islamic banks that might affect their growth. Liquidity management has been a long-standing concern in the global Islamic finance industry as there is a general lack of Shari’ah compliant instruments that can serve as high-quality short-term liquid assets. The degree of segmentation and bank behavior varies across countries depending on Shari’ah permissibility and the availability of Shari’ah-compliant instruments. A partial response would be to support efforts to build Islamic liquid interbank and money markets, which are crucial for monetary policy transmission through the Islamic financial system. This can be achieved, to a large extent, by deepening Islamic government securities and developing Shari’ah-compliant money market instruments.

  2. Cloud Computing and its Challenges and Benefits in the Bank System

    Directory of Open Access Journals (Sweden)

    Bogdan NEDELCU

    2015-07-01

    Full Text Available The purpose of this article is to highlight the current situation of Cloud Computing systems. There is a tendency for enterprises and banks to seek such databases, so the article tries to answer the question: "Is Cloud Computing safe". Answering this question requires an analysis of the security system (strengths and weaknesses, accompanied by arguments for and against this trend and suggestions for improvement that can increase the customers confidence in the future.

  3. Prevention of gravitational collapse

    International Nuclear Information System (INIS)

    Moffat, J.W.; Taylor, J.G.

    1981-01-01

    We apply a new theory of gravitation to the question of gravitational collapse to show that collapse is prevented in this theory under very reasonable conditions. This result also extends to prevent ultimate collapse of the Universe. (orig.)

  4. Adopting Internet Banking in Ghana

    OpenAIRE

    G.O. Ofori-Dwumfuo; Betty A. Dankwah

    2013-01-01

    This study looks at the benefits, challenges and barriers in adopting Internet banking at a major bank in Ghana. The development of the Internet is changing the way financial services are provided in Ghana. The Internet banking facility has resulted in new ways of delivering banking services. The research is a case study based on the staffs that has worked with the bank for more than three years. In evaluating benefits, challenges and barriers to the bank in adopting Internet banking, intervi...

  5. MANAGEMENT ACCOUNTING – A CHALLENGE TO THE ACCOUNTING THEORY AND PRACTICE IN THE BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Liliya Rangelova-Petkova

    2017-03-01

    Full Text Available Adequate management of the bank requires its directors not only to understand well the financial standing of the institution, but also to plan and control operational processes and to make managerial decisions on the effective allocation and use of the available resources. In this regard the tasks of accounting are expressed not only in the functions of registration of already passed business operations, but also in the providing of information to justify management decisions and to supervise their implementation. In the foreground of similar situations the need reveals to improve information provision of the management and to maintain its decisions with reliable accounting and operational information.

  6. Computational models of stellar collapse and core-collapse supernovae

    International Nuclear Information System (INIS)

    Ott, Christian D; O'Connor, Evan; Schnetter, Erik; Loeffler, Frank; Burrows, Adam; Livne, Eli

    2009-01-01

    Core-collapse supernovae are among Nature's most energetic events. They mark the end of massive star evolution and pollute the interstellar medium with the life-enabling ashes of thermonuclear burning. Despite their importance for the evolution of galaxies and life in the universe, the details of the core-collapse supernova explosion mechanism remain in the dark and pose a daunting computational challenge. We outline the multi-dimensional, multi-scale, and multi-physics nature of the core-collapse supernova problem and discuss computational strategies and requirements for its solution. Specifically, we highlight the axisymmetric (2D) radiation-MHD code VULCAN/2D and present results obtained from the first full-2D angle-dependent neutrino radiation-hydrodynamics simulations of the post-core-bounce supernova evolution. We then go on to discuss the new code Zelmani which is based on the open-source HPC Cactus framework and provides a scalable AMR approach for 3D fully general-relativistic modeling of stellar collapse, core-collapse supernovae and black hole formation on current and future massively-parallel HPC systems. We show Zelmani's scaling properties to more than 16,000 compute cores and discuss first 3D general-relativistic core-collapse results.

  7. Computational models of stellar collapse and core-collapse supernovae

    Energy Technology Data Exchange (ETDEWEB)

    Ott, Christian D; O' Connor, Evan [TAPIR, Mailcode 350-17, California Institute of Technology, Pasadena, CA (United States); Schnetter, Erik; Loeffler, Frank [Center for Computation and Technology, Louisiana State University, Baton Rouge, LA (United States); Burrows, Adam [Department of Astrophysical Sciences, Princeton University, Princeton, NJ (United States); Livne, Eli, E-mail: cott@tapir.caltech.ed [Racah Institute of Physics, Hebrew University, Jerusalem (Israel)

    2009-07-01

    Core-collapse supernovae are among Nature's most energetic events. They mark the end of massive star evolution and pollute the interstellar medium with the life-enabling ashes of thermonuclear burning. Despite their importance for the evolution of galaxies and life in the universe, the details of the core-collapse supernova explosion mechanism remain in the dark and pose a daunting computational challenge. We outline the multi-dimensional, multi-scale, and multi-physics nature of the core-collapse supernova problem and discuss computational strategies and requirements for its solution. Specifically, we highlight the axisymmetric (2D) radiation-MHD code VULCAN/2D and present results obtained from the first full-2D angle-dependent neutrino radiation-hydrodynamics simulations of the post-core-bounce supernova evolution. We then go on to discuss the new code Zelmani which is based on the open-source HPC Cactus framework and provides a scalable AMR approach for 3D fully general-relativistic modeling of stellar collapse, core-collapse supernovae and black hole formation on current and future massively-parallel HPC systems. We show Zelmani's scaling properties to more than 16,000 compute cores and discuss first 3D general-relativistic core-collapse results.

  8. Challenges of the Banking Integration Process in the Case of the New EU Member States

    Directory of Open Access Journals (Sweden)

    Dan Chirlean

    2011-04-01

    Full Text Available The creation of the single European market represents a 50 years long process which aimsat developing the most advanced economy in the world. In order to achieve this, political actions mustbe accompanied by economical and juridical changes in order to stimulate and foster the creation ofthe single European market. A key component of this process is represented by the integration of thefinancial sector. While several component of it have registered major transformations andachievements in the integration process, one of the least integrated parts is represented by theEuropean banking sector. Most of the European economies are funded directly through the bankingsector, thus the integration of this sector represents a major benchmarks in the European integrationprocess. This problem becomes more complex in the context of the European Union enlargement to27 member states. Thus, the aim of this paper is to underline the progresses achieved by the bankingsectors of the European Union new member states from Central and Eastern Europe in theirintegration process. In order to achieve this we will use an empirical analysis based on the Law of OnePrice, which will underline the progress made by the banking sectors of the panel countries: Poland,Czech Republic, Slovenia, Slovakia, Romania and Bulgaria. The results of the research will providean overview of the main achievements registered by these countries, while also underling hownational particularities of these sectors affect their integration.

  9. Drivers to the Corporate Social Responsibility in Romania: The Banking Challenge

    Directory of Open Access Journals (Sweden)

    Frecea Georgiana-Loredana

    2017-01-01

    Full Text Available The corporate social responsibility agenda has profoundly changed in the last decades in Romania, driven by the new optics of multinationals and their response to the local market. This paper provides a new insight in the CSR field of the banking sector, extending the narrow vision of the CSR implementation in Romania, by confronting the measures taken by the banks form the Romanian market with the financial group’s perspective. The paper consists of a comparative analysis of BRD - Groupe Société Générale and the corresponding group, Société Générale, in order to complete the vision of strategic dependencies in a period of economic, monetary, territorial and political integration. The research use the coding process, identifying major strengths and tendencies of the CSR in Romania, composing a complex approach based on the group strategic imperatives, similarities and adjusted elements for a reconstruction of the CSR concept in the considered sector.

  10. Fuel management inside the reactor. Project AZ-101 (ININ). Report of the generation of the nuclear bank 'L1PG3826' of the assemblies GE5 and GE9B 'collapsed' of the CNLV for the FCS-II program of the FMS system

    International Nuclear Information System (INIS)

    Alonso V, G.; Torres A, C.

    1991-06-01

    In order to be able to carry out studies but next to the operation of the reactor of the CNLV with the program FCS-II of the package of codes for the fuel management FMS, it was generated a 'collapsed' nuclear bank integrating the generated information with RECORD of each one of those assemblies of the initial load and of the first recharge. To generate the bank, the different ones RECORD 'cells' that compose each assemble were 'collapsed' to an alone one, representing this, to the one complete assemble in what refers to the fuel bars distribution and enrichments. The one collapsed of each assemble it is made averaging the content of UO 2 and Gd 2 O 3 in each fuel bar by the volumetric fraction occupied by each axial section of the fuel bar where the content of UO 2 and Gd 2 O 3 were constant, by this way the x-y fuel bars arrangement is conserved but a representative fuel cell of all the assemble is obtained. Of the five different assemblies that will be load in the reactor of the CNLV (3 of the initial load and 2 of the first recharge), only 4 were collapsed; the remaining one to be totally formed by natural uranium it was not necessary to collapse. From the collapsing process new enrichment values in U-235 and in content of Gd 2 O 3 for each fuel bar, for what according to the generation procedure of nuclear information it was generated the required information by RECORD for each fuel bar with Gd 2 O 3 with the ECLIPSE code. Once generated this information it was proceeded to generate the homogenized nuclear information, with RECORD, for the whole cell. According to the requirements of nuclear information of FCS-II, the nuclear Information generated with RECORD only was of the defined type as series 1 in the procedure of generation of nuclear banks '6F3/1/CN029/90/P1'; that which means that only it was generated nuclear information as function of the burnup of the fuel and of the vacuum in the fuel cell. Although the nuclear bank was generated (identified as 'L1

  11. CT of lobar collapse

    International Nuclear Information System (INIS)

    Suh, D. C.; Im, J. G.; Park, J. H.; Han, M. C.

    1987-01-01

    The computed tomographic (CT) findings of labor collapse are analysed in an attempt to evaluate the patterns of labor collapse and to get the helpful signs in differentiation between benign and malignant causes of collapse. 43 cases of labor collapse with or without endobronchial obstruction were reviewed. In 29 of 43 cases the collapses were caused by lung cancer. Benign causes of labor collapse included tuberculosis(10), broncholith(2), organizing pneumonia(1) and hamartoma(1). The helpful signs favoring malignant cause of the labor collapse were proximal bulging of the collapsed lobe, low density mass within the collapsed lung, and endobronchial lesion. Above described differential findings were especially applicable in cases of upper lobe collapse

  12. New expected loss impairment model – a challenge for the banks in Bulgaria

    Directory of Open Access Journals (Sweden)

    Nadezhda Popova-Yosifova

    2017-05-01

    Full Text Available This article introduces some of the leading works on loan impairment published by supervisory authorities, auditing companies and researchers. It makes analysis of the impairment model on the basis of the expected credit losses introduced with the requirements of International Financial Reporting Standard (IFRS 9 Financial Instruments effective for periods beginning on or after 1 January 2018. There are a number of research works which show that the senior bankers may in some ways manage the financial result through the impairment, where it is assumed that the new impairment model will bring higher recognized losses. It also makes a comparative analysis of the announced information on the loan impairment and the preparation for the introduction of the IFRS 9 Financial Instruments requirements into the annual financial statements of the public banks in Bulgaria for the period 2013 – 2016.

  13. Geophysical observations at cavity collapse

    Science.gov (United States)

    Jousset, Philippe; Bazargan-Sabet, Behrooz; Lebert, François; Bernardie, Séverine; Gourry, Jean-Christophe

    2010-05-01

    In Lorraine region (France) salt layers at about 200 meters depth are exploited by Solvay using solution mining methodology which consists in extracting the salt by dissolution, collapsing the cavern overburden during the exploitation phase and finally reclaiming the landscape by creating a water area. In this process, one of the main challenges for the exploiting company is to control the initial 120-m diameter collapse so as to minimize possible damages. In order to detect potential precursors and understand processes associated with such collapses, a wide series of monitoring techniques including micro seismics, broad-band seismology, hydro-acoustic, electromagnetism, gas probing, automatic leveling, continuous GPS, continuous gravity and borehole extensometry was set-up in the frame of an in-situ study carried out by the "Research Group for the Impact and Safety of Underground Works" (GISOS, France). Equipments were set-up well before the final collapse, giving a unique opportunity to analyze a great deal of information prior to and during the collapse process which has been successfully achieved on February the 13th, 2009 by controlling the cavity internal pressure. In this work, we present the results of data recorded by a network of 3 broadband seismometers, 2 accelerometers, 2 tilt-meters and a continuously gravity meter. We relate the variations of the brine pumping rate with the evolutions of the induced geophysical signals and finally we propose a first mechanical model for describing the controlled collapse. Beyond the studied case, extrapolation of the results obtained might contribute to the understanding of uncontrolled cavity collapses, such as pit-craters or calderas at volcanoes.

  14. Geotechnical properties of Egyptian collapsible soils

    Directory of Open Access Journals (Sweden)

    Khaled E. Gaaver

    2012-09-01

    Full Text Available The risk of constructing structures on collapsible soils presents significant challenges to geotechnical engineers due to sudden reduction in volume upon wetting. Identifying collapsible soils when encountered in the field and taking the needed precautions should substantially reduce the risk of such problems usually reported in buildings and highways. Collapsible soils are those unsaturated soils that can withstand relatively high pressure without showing significant change in volume, however upon wetting; they are susceptible to a large and sudden reduction in volume. Collapsible soils cover significant areas around the world. In Egypt, collapsible soils were observed within the northern portion of the western desert including Borg El-Arab region, and around the city of Cairo in Six-of-October plateau, and Tenth-of-Ramadan city. Settlements associated with development on untreated collapsible soils usually lead to expensive repairs. One method for treating collapsible soils is to densify their structure by compaction. The ongoing study presents the effect of compaction on the geotechnical properties of the collapsible soils. Undisturbed block samples were recovered from test pits at four sites in Borg El-Arab district, located at about 20 km west of the city of Alexandria, Egypt. The samples were tested in both unsoaked and soaked conditions. Influence of water inundation on the geotechnical properties of collapsible soils was demonstrated. A comparative study between natural undisturbed and compacted samples of collapsible soils was performed. An attempt was made to relate the collapse potential to the initial moisture content. An empirical correlation between California Bearing Ratio of the compacted collapsible soils and liquid limit was adopted. The presented simple relationships should enable the geotechnical engineers to estimate the complex parameters of collapsible soils using simple laboratory tests with a reasonable accuracy.

  15. Types of collapse calderas

    Energy Technology Data Exchange (ETDEWEB)

    Aguirre-Diaz, Gerardo J [Centro de Geociencias, Universidad Nacional Autonoma de Mexico, Campus Juriquilla, Queretaro, Qro., 76230 (Mexico)], E-mail: ger@geociencias.unam.mx

    2008-10-01

    Three main types of collapse calderas can be defined, 1) summit caldera: those formed at the top of large volcanoes, 2) classic caldera: semi-circular to irregular-shaped large structures, several km in diameter and related to relatively large-volume pyroclastic products, and 3) graben caldera: explosive volcano-tectonic collapse structures from which large-volume, ignimbrite-forming eruptions occurred through several fissural vents along the graben master faults and the intra-graben block faults. These in turn can collapse at least with three styles: 1) Piston: when the collapse occurs as a single crustal block; 2) Trap-door: when collapse occurs unevenly along one side while the opposite side remains with no collapse; 3) Piece-meal: when collapse occurs as broken pieces of the crust on top of the magma chamber.

  16. Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines

    Directory of Open Access Journals (Sweden)

    Jason Lim Chiu

    2017-08-01

    Full Text Available Purpose - This paper aims to assess the direct effects of antecedents of initial trust, the mediating effect of trust and the moderating effect of demographic variables on non-adopters’ behavioral intention to use mobile banking. Design/methodology/approach - The study tested the models of theory of reasoned action and theory of planned behavior to evaluate potential antecedents of trust (diffusion of trust, infrastructure quality, perceived costs, privacy and security moderators (demographic variables and mediators (initial trust that will influence behavioral intention to use mobile banking. The Hayes’ Process Macro developed by Andrew F. Hayes (2013 was used as a statistical analysis in SPSS to estimates the path coefficients using multiple regression. The tool provides insights on the direct and indirect effect of the independent variable on the dependent variable through the existence of moderating variables and mediation variables. Findings - The results show that the non-adopters of mobile banking asserted that the antecedents of initial trust played a significant influence on behavioral intention to use online banking services. Originality/value - There is a dearth of literature addressing mobile banking in the Philippines. The first initial trust formation in internet banking using computer workstations and laptops in the Philippines was conducted by Chiu et al. (2016. This research fills in the gap by expanding and formulating a deeper understanding of the antecedents of initial trust that influence consumer behavioral intention that might be responsible for the slow diffusion of mobile banking services in the country. The results from this study will help financial institutions create a beneficial connection with consumers while alleviating the fears of non-adopters and enhancing their understanding of the benefits of mobile banking.

  17. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

    Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

  18. Mechanisms of cascade collapse

    International Nuclear Information System (INIS)

    Diaz de la Rubia, T.; Smalinskas, K.; Averback, R.S.; Robertson, I.M.; Hseih, H.; Benedek, R.

    1988-12-01

    The spontaneous collapse of energetic displacement cascades in metals into vacancy dislocation loops has been investigated by molecular dynamics (MD) computer simulation and transmission electron microscopy (TEM). Simulations of 5 keV recoil events in Cu and Ni provide the following scenario of cascade collapse: atoms are ejected from the central region of the cascade by replacement collision sequences; the central region subsequently melts; vacancies are driven to the center of the cascade during resolidification where they may collapse into loops. Whether or not collapse occurs depends critically on the melting temperature of the metal and the energy density and total energy in the cascade. Results of TEM are presented in support of this mechanism. 14 refs., 4 figs., 1 tab

  19. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  20. Neutrinos from gravitational collapse

    International Nuclear Information System (INIS)

    Mayle, R.; Wilson, J.R.; Schramm, D.N.

    1986-05-01

    Detailed calculations are made of the neutrino spectra emitted during gravitational collapse events (Type II supernovae). Those aspects of the neutrino signal which are relatively independent of the collapse model and those aspects which are sensitive to model details are discussed. The easier-to-detect high energy tail of the emitted neutrinos has been calculated using the Boltzmann equation which is compared with the result of the traditional multi-group flux limited diffusion calculations. 8 figs., 28 refs

  1. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

    Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.

  2. Destroy The Bank! (case)

    NARCIS (Netherlands)

    G.J. Van der Star; dr. A. Maas

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the

  3. Collapsed Dark Matter Structures.

    Science.gov (United States)

    Buckley, Matthew R; DiFranzo, Anthony

    2018-02-02

    The distributions of dark matter and baryons in the Universe are known to be very different: The dark matter resides in extended halos, while a significant fraction of the baryons have radiated away much of their initial energy and fallen deep into the potential wells. This difference in morphology leads to the widely held conclusion that dark matter cannot cool and collapse on any scale. We revisit this assumption and show that a simple model where dark matter is charged under a "dark electromagnetism" can allow dark matter to form gravitationally collapsed objects with characteristic mass scales much smaller than that of a Milky-Way-type galaxy. Though the majority of the dark matter in spiral galaxies would remain in the halo, such a model opens the possibility that galaxies and their associated dark matter play host to a significant number of collapsed substructures. The observational signatures of such structures are not well explored but potentially interesting.

  4. Collapsed Dark Matter Structures

    Science.gov (United States)

    Buckley, Matthew R.; DiFranzo, Anthony

    2018-02-01

    The distributions of dark matter and baryons in the Universe are known to be very different: The dark matter resides in extended halos, while a significant fraction of the baryons have radiated away much of their initial energy and fallen deep into the potential wells. This difference in morphology leads to the widely held conclusion that dark matter cannot cool and collapse on any scale. We revisit this assumption and show that a simple model where dark matter is charged under a "dark electromagnetism" can allow dark matter to form gravitationally collapsed objects with characteristic mass scales much smaller than that of a Milky-Way-type galaxy. Though the majority of the dark matter in spiral galaxies would remain in the halo, such a model opens the possibility that galaxies and their associated dark matter play host to a significant number of collapsed substructures. The observational signatures of such structures are not well explored but potentially interesting.

  5. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

    The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

  6. Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

    OpenAIRE

    Makosana, Musa

    2014-01-01

    The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

  7. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

    Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...

  8. Distressed Relationships : Lessons from the Norwegian Banking Crisis

    NARCIS (Netherlands)

    Ongena, S.; Smith, D.C.; Michalsen, D.

    2000-01-01

    This paper measures the economy-wide impact of bank distress on the loss of relationship benefits. We use the near-collapse of the Norwegian banking system during the period 1988 to 1991 to measure the impact of bank distress announcements on the stock prices of firms maintaining a relationship with

  9. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

    Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

  10. Gravitational collapse and supernovae

    International Nuclear Information System (INIS)

    Lattimer, J.M.

    1989-01-01

    The collapse of the core of a massive star and the subsequent birth of a neutron star in a supernova explosion are discussed, and a model of the supernova mechanism is developed. The basic theory is then compared with the particular case of SN1987A, whose emitted neutrinos permitted the first direct test of the model. (author)

  11. Neutrinos and supernova collapse

    International Nuclear Information System (INIS)

    Colgate, S.A.; Petschek, A.G.

    1980-01-01

    The neutrino emission resulting from stellar collapse and supernova formation is reviewed. The electron capture and consequent neutronization of the collapsing stellar matter at the end of evolution determines both the initial adiabat of core collapse as well as the trapped lepton fraction. The initial lepton fraction, Y/sub l/ = .48 supplies the pressure for neutral support of the star at the Chandrasekhar limit. High trapping values, Y/sub l/ = .4, lead to soft core collapses; low values to harder collapses. The value of Y/sub l/ is presently in dispute. The neutrino emission from initial electron capture is relatively small. A strong core-bounce shock releases both electron neutrino as well as thermal muon and tau neutrinos. Subsequent neutrino emission and cooling can sometimes lead to an unstable buoyancy gradient in the core in which case unstable core overturn is expected. Calculations have already shown the importance of the largest possible eddy or equivalently the lowest mode of overturn. Present models of low lepton trapping ratio lead to high entropy creation by the reflected shock and the stabilization of the core matter against overturn. In such cases the exterior matter must cool below an entropy of approximately s/k approx. = 2 to become unstable. This may require too long a time approximately one second for neutrino cooling from a neutrinosphere at rho approx. = 2 x 10 12 g cm -3 . On the other hand, high values of Y/sub l/ such as .4 lead to softer bounces at lower density and values of the critical stabilizing entropy of 3 or higher. Under such circumstances, core overturn can still occur

  12. Spherically symmetric scalar field collapse

    Indian Academy of Sciences (India)

    2013-03-01

    Mar 1, 2013 ... The very recent interest in scalar field collapse stems from a cosmological ... The objective of the present investigation is to explore the collapsing modes of a simple ..... The authors thank the BRNS (DAE) for financial support.

  13. Collapse settlement in compacted soils

    CSIR Research Space (South Africa)

    Booth, AR

    1977-01-01

    Full Text Available Research into collapse settlement in compacted soils is described, with special reference to recent cases in Southern Africa where collapse settlement occurred in road embankments following wetting of the soil. The laboratory work described...

  14. The f electron collapse revisited

    International Nuclear Information System (INIS)

    Bennett, B.I.

    1987-03-01

    A reexamination of the collapse of 4f and 5f electrons in the lanthanide and actinide series is presented. The calculations show the well-known collapse of the f electron density at the thresholds of these series along with an f 2 collapse between thorium and protactinium. The collapse is sensitive to the choice of model for the exchange-correlation potential and the behavior of the potential at large radius

  15. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

  16. Cardiopulmonary Collapse during Labour

    Directory of Open Access Journals (Sweden)

    Vasilis Sitras

    2010-01-01

    Full Text Available Cardiopulmonary collapse during labour is a catastrophic event caused by various medical, surgical and obstetrical conditions. It is an emergency that threatens the life of the mother and her unborn child. We present a case of a pregnant woman who suffered from preeclampsia and underwent induction of labour. Severe lung edema occurred early in labour that caused cardiopulmonary collapse. Advanced heart-lung resuscitation was established immediately and continued until an emergency cesarean section was performed few minutes later. The outcome was favourable for both mother and child. We further discuss some aspects of the pathophysiology and appropriate treatment of cardiorespiratory arrest during labour, which involves the coordinated action of the obstetric, pediatric and surgical ward personnel.

  17. Tracheal collapse in two cats

    International Nuclear Information System (INIS)

    Hendricks, J.C.; O'Brien, J.A.

    1985-01-01

    Two cats examined bronchoscopically to discover the cause of tracheal collapse were found to have tracheal obstruction cranial to the collapse. Cats with this unusual sign should be examined bronchoscopically to ascertain whether there is an obstruction, as the cause in these 2 cats was distinct from the diffuse airway abnormality that causes tracheal collapse in dogs

  18. Collapse, environment, and society

    Science.gov (United States)

    2012-01-01

    Historical collapse of ancient states poses intriguing social-ecological questions, as well as potential applications to global change and contemporary strategies for sustainability. Five Old World case studies are developed to identify interactive inputs, triggers, and feedbacks in devolution. Collapse is multicausal and rarely abrupt. Political simplification undermines traditional structures of authority to favor militarization, whereas disintegration is preconditioned or triggered by acute stress (insecurity, environmental or economic crises, famine), with breakdown accompanied or followed by demographic decline. Undue attention to stressors risks underestimating the intricate interplay of environmental, political, and sociocultural resilience in limiting the damages of collapse or in facilitating reconstruction. The conceptual model emphasizes resilience, as well as the historical roles of leaders, elites, and ideology. However, a historical model cannot simply be applied to contemporary problems of sustainability without adjustment for cumulative information and increasing possibilities for popular participation. Between the 14th and 18th centuries, Western Europe responded to environmental crises by innovation and intensification; such modernization was decentralized, protracted, flexible, and broadly based. Much of the current alarmist literature that claims to draw from historical experience is poorly focused, simplistic, and unhelpful. It fails to appreciate that resilience and readaptation depend on identified options, improved understanding, cultural solidarity, enlightened leadership, and opportunities for participation and fresh ideas. PMID:22371579

  19. Gravitational waves from gravitational collapse

    Energy Technology Data Exchange (ETDEWEB)

    Fryer, Christopher L [Los Alamos National Laboratory; New, Kimberly C [Los Alamos National Laboratory

    2008-01-01

    Gravitational wave emission from stellar collapse has been studied for nearly four decades. Current state-of-the-art numerical investigations of collapse include those that use progenitors with more realistic angular momentum profiles, properly treat microphysics issues, account for general relativity, and examine non-axisymmetric effects in three dimensions. Such simulations predict that gravitational waves from various phenomena associated with gravitational collapse could be detectable with ground-based and space-based interferometric observatories. This review covers the entire range of stellar collapse sources of gravitational waves: from the accretion induced collapse of a white dwarf through the collapse down to neutron stars or black holes of massive stars to the collapse of supermassive stars.

  20. Gravitational Waves from Gravitational Collapse

    Directory of Open Access Journals (Sweden)

    Chris L. Fryer

    2011-01-01

    Full Text Available Gravitational-wave emission from stellar collapse has been studied for nearly four decades. Current state-of-the-art numerical investigations of collapse include those that use progenitors with more realistic angular momentum profiles, properly treat microphysics issues, account for general relativity, and examine non-axisymmetric effects in three dimensions. Such simulations predict that gravitational waves from various phenomena associated with gravitational collapse could be detectable with ground-based and space-based interferometric observatories. This review covers the entire range of stellar collapse sources of gravitational waves: from the accretion-induced collapse of a white dwarf through the collapse down to neutron stars or black holes of massive stars to the collapse of supermassive stars.

  1. Gravitational Waves from Gravitational Collapse.

    Science.gov (United States)

    Fryer, Chris L; New, Kimberly C B

    2011-01-01

    Gravitational-wave emission from stellar collapse has been studied for nearly four decades. Current state-of-the-art numerical investigations of collapse include those that use progenitors with more realistic angular momentum profiles, properly treat microphysics issues, account for general relativity, and examine non-axisymmetric effects in three dimensions. Such simulations predict that gravitational waves from various phenomena associated with gravitational collapse could be detectable with ground-based and space-based interferometric observatories. This review covers the entire range of stellar collapse sources of gravitational waves: from the accretion-induced collapse of a white dwarf through the collapse down to neutron stars or black holes of massive stars to the collapse of supermassive stars. Supplementary material is available for this article at 10.12942/lrr-2011-1.

  2. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

    As Labor bank is seemed as business partner of labor union, it contributes each community activities. For example, Labor bank helps retired employee, laborer and inhabitants. In addition, after the amendment of Money Lending Business Act of 2010, labor bank became clearly community based bank by consulting for heavily-indebted people and their education. This paper analyzes the new role of labor bank such as community contribution and enhancing financing service by collecting of the opinion o...

  3. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  4. Scapholunate advanced collapse

    International Nuclear Information System (INIS)

    Chen, C.; Haller, J.; Resnick, D.

    1989-01-01

    Scapholunate advanced collapse 9SLAC) is a pattern of wrist malalignment (characterized mainly by radiocarpal abnormalities) that has been attributed to osteoarthritis. In order to determine the frequency of SLAC in calcium pyrophosphate dihydrate (CPPD) disease, the authors have reviewed wrist radiographs in 190 cases of this disorder. Forty-two (22%) of these cases reveal wrist abnormalities typical of SLAC. Associated findings include bilateral alterations (63%), abnormal calcification (70%), scapholunate dissociation (70%), and additional compartmental arthropathies. The authors' results confirm that CPPD crystal deposition disease is a major cause of SLAC. They believe, therefore, that this pattern of malalignment is not specific for posttraumatic or spontaneous osteoarthritis of the wrist

  5. A collapsible shelter

    Energy Technology Data Exchange (ETDEWEB)

    Sharafutdinov, I.G.; Asadulin, Kh.F.; Maloiaroslavtsev, D.A.; Prokopov, O.I.; Rastorquev, M.A.

    1980-08-15

    A collapsible shelter is proposed which includes a foundation, a framework with reinforced elements which form a roof, tie bolt elements which are riveted to the reinforced elements, and a railing; it is characterized by an arrangement whereby in order to simplify its construction and improve its reliability, the reinforced elements are detachable and are equipped with rigid connecting rods made of separate sections which are mounted to allow for movement via the reinforced elements; the connecting rod of each reinforcement element is connected to the connecting rod of the adjacent reinforced element using horizontal rods on which the shelter is secured. The shelter is made from separate planks.

  6. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  7. The role of financial groups in Russia's banking crisis

    NARCIS (Netherlands)

    Perotti, E.C.

    1999-01-01

    This article reviews the role of financial groups in financial crises, and then applies the lessons learnt to Russia though a detailed analysis of the ruble collapse, the GKO default and the banking crisis.

  8. Shearfree cylindrical gravitational collapse

    International Nuclear Information System (INIS)

    Di Prisco, A.; Herrera, L.; MacCallum, M. A. H.; Santos, N. O.

    2009-01-01

    We consider diagonal cylindrically symmetric metrics, with an interior representing a general nonrotating fluid with anisotropic pressures. An exterior vacuum Einstein-Rosen spacetime is matched to this using Darmois matching conditions. We show that the matching conditions can be explicitly solved for the boundary values of metric components and their derivatives, either for the interior or exterior. Specializing to shearfree interiors, a static exterior can only be matched to a static interior, and the evolution in the nonstatic case is found to be given in general by an elliptic function of time. For a collapsing shearfree isotropic fluid, only a Robertson-Walker dust interior is possible, and we show that all such cases were included in Cocke's discussion. For these metrics, Nolan and Nolan have shown that the matching breaks down before collapse is complete, and Tod and Mena have shown that the spacetime is not asymptotically flat in the sense of Berger, Chrusciel, and Moncrief. The issues about energy that then arise are revisited, and it is shown that the exterior is not in an intrinsic gravitational or superenergy radiative state at the boundary.

  9. Empirical Study of Distinct Features and Challenges of Joint Development of Information Systems: The Case of ABC Bank

    Institute of Scientific and Technical Information of China (English)

    MAO Jiye; SONG Wenmo

    2008-01-01

    The internal development and outsourced development of information systems have been studied intensively, but little research has been conducted on the joint development mode. This paper describes the benefits and problems encountered in the joint development of accounting management information systems based on a real case. The case illustrates some distinct advantages, such as full control over the development schedule, the flexibility with resource allocation, and insurance for sustained active participation by the end-users. However, this development mode also involves potential problems, e.g., potential conflicts arising from diverse backgrounds and cultures of the various stakeholders and challenges to manage personnel from outside partners.

  10. PREFACE: Collapse Calderas Workshop

    Science.gov (United States)

    Gottsmann, Jo; Aguirre-Diaz, Gerardo

    2008-10-01

    Caldera-formation is one of the most awe-inspiring and powerful displays of nature's force. Resultant deposits may cover vast areas and significantly alter the immediate topography. Post-collapse activity may include resurgence, unrest, intra-caldera volcanism and potentially the start of a new magmatic cycle, perhaps eventually leading to renewed collapse. Since volcanoes and their eruptions are the surface manifestation of magmatic processes, calderas provide key insights into the generation and evolution of large-volume silicic magma bodies in the Earth's crust. Despite their potentially ferocious nature, calderas play a crucial role in modern society's life. Collapse calderas host essential economic deposits and supply power for many via the exploitation of geothermal reservoirs, and thus receive considerable scientific, economic and industrial attention. Calderas also attract millions of visitors world-wide with their spectacular scenic displays. To build on the outcomes of the 2005 calderas workshop in Tenerife (Spain) and to assess the most recent advances on caldera research, a follow-up meeting was proposed to be held in Mexico in 2008. This abstract volume presents contributions to the 2nd Calderas Workshop held at Hotel Misión La Muralla, Querétaro, Mexico, 19-25 October 2008. The title of the workshop `Reconstructing the evolution of collapse calderas: Magma storage, mobilisation and eruption' set the theme for five days of presentations and discussions, both at the venue as well as during visits to the surrounding calderas of Amealco, Amazcala and Huichapan. The multi-disciplinary workshop was attended by more than 40 scientist from North, Central and South America, Europe, Australia and Asia. Contributions covered five thematic topics: geology, geochemistry/petrology, structural analysis/modelling, geophysics, and hazards. The workshop was generously supported by the International Association of Volcanology and the Chemistry of The Earth's Interior

  11. Cylindrical collapse and gravitational waves

    Energy Technology Data Exchange (ETDEWEB)

    Herrera, L [Escuela de FIsica, Faculdad de Ciencias, Universidad Central de Venezuela, Caracas, Venezuela (Venezuela); Santos, N O [Universite Pierre et Marie Curie, CNRS/FRE 2460 LERMA/ERGA, Tour 22-12, 4eme etage, BoIte 142, 4 place Jussieu, 75252 Paris Cedex 05 (France); Laboratorio Nacional de Computacao Cientifica, 25651-070 Petropolis RJ (Brazil); Centro Brasileiro de Pesquisas Fisicas, 22290-180 Rio de Janeiro RJ (Brazil)

    2005-06-21

    We study the matching conditions for a collapsing anisotropic cylindrical perfect fluid, and we show that its radial pressure is non-zero on the surface of the cylinder and proportional to the time-dependent part of the field produced by the collapsing fluid. This result resembles the one that arises for the radiation-though non-gravitational-in the spherically symmetric collapsing dissipative fluid, in the diffusion approximation.

  12. An Overview of Corporate Governance Practices of Selected Islamic Banks

    Directory of Open Access Journals (Sweden)

    Zainab Belal

    2016-05-01

    Full Text Available Complying with Corporate Governance (CG standards is not mandatory but with collapse of many financial institutions, compliance with high standards of CG in banking operation has become a necessity. This is due to the fact that many banks and companies worldwide collapsed as a result of poor corporate governance practices such as Bank of Credit and Commerce International (BCCI 1991, Barings Bank 1995, Lehman Brothers 2008, Enron 2001, WorldCom 2001, etc. Therefore, the objective of this paper is to examine and ascertain whether present level of CG standards practiced by Islamic banks is adequate to prevent or safeguard the banks from collapsing. The approach of the study is to evaluate the effectiveness of board and the various board committees utilizing data published in financial statement of the selected banks. The methodology used in this paper is analytical descriptive to reach accurate results and as more appropriate approach with this research. The study finds out that the selected banks comply with CG standards adopted; however such compliance does not mean that the board, the board committees will be constantly reliable. Therefore, instilling the Islamic values such as the concepts of ih}sân, honesty, and accountability is paramount to prevent CG failures and protect/safeguard the banks from collapsing.

  13. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

    To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

  14. Fuel management inside the reactor. Project AZ-101 (ININ). Report of the generation of the nuclear bank 'L1PG3826' of the assemblies GE5 and GE9B 'collapsed' of the CNLV for the FCS-II program of the FMS system; Administracion de combustible dentro del reactor. Proyecto AZ-101 (ININ). Reporte de generacion del banco nuclear 'L1PG3826' de los ensambles GE5 y GE9B 'colapsados' de la CNLV para el programa FCS-II del FMS

    Energy Technology Data Exchange (ETDEWEB)

    Alonso V, G.; Torres A, C

    1991-06-15

    In order to be able to carry out studies but next to the operation of the reactor of the CNLV with the program FCS-II of the package of codes for the fuel management FMS, it was generated a 'collapsed' nuclear bank integrating the generated information with RECORD of each one of those assemblies of the initial load and of the first recharge. To generate the bank, the different ones RECORD 'cells' that compose each assemble were 'collapsed' to an alone one, representing this, to the one complete assemble in what refers to the fuel bars distribution and enrichments. The one collapsed of each assemble it is made averaging the content of UO{sub 2} and Gd{sub 2}O{sub 3} in each fuel bar by the volumetric fraction occupied by each axial section of the fuel bar where the content of UO{sub 2} and Gd{sub 2}O{sub 3} were constant, by this way the x-y fuel bars arrangement is conserved but a representative fuel cell of all the assemble is obtained. Of the five different assemblies that will be load in the reactor of the CNLV (3 of the initial load and 2 of the first recharge), only 4 were collapsed; the remaining one to be totally formed by natural uranium it was not necessary to collapse. From the collapsing process new enrichment values in U-235 and in content of Gd{sub 2}O{sub 3} for each fuel bar, for what according to the generation procedure of nuclear information it was generated the required information by RECORD for each fuel bar with Gd{sub 2}O{sub 3} with the ECLIPSE code. Once generated this information it was proceeded to generate the homogenized nuclear information, with RECORD, for the whole cell. According to the requirements of nuclear information of FCS-II, the nuclear Information generated with RECORD only was of the defined type as series 1 in the procedure of generation of nuclear banks '6F3/1/CN029/90/P1'; that which means that only it was generated nuclear information as function of the burnup of the fuel and of

  15. Spherical collapse in chameleon models

    International Nuclear Information System (INIS)

    Brax, Ph.; Rosenfeld, R.; Steer, D.A.

    2010-01-01

    We study the gravitational collapse of an overdensity of nonrelativistic matter under the action of gravity and a chameleon scalar field. We show that the spherical collapse model is modified by the presence of a chameleon field. In particular, we find that even though the chameleon effects can be potentially large at small scales, for a large enough initial size of the inhomogeneity the collapsing region possesses a thin shell that shields the modification of gravity induced by the chameleon field, recovering the standard gravity results. We analyse the behaviour of a collapsing shell in a cosmological setting in the presence of a thin shell and find that, in contrast to the usual case, the critical density for collapse in principle depends on the initial comoving size of the inhomogeneity

  16. Spherical collapse in chameleon models

    Energy Technology Data Exchange (ETDEWEB)

    Brax, Ph. [Institut de Physique Théorique, CEA, IPhT, CNRS, URA 2306, F-91191Gif/Yvette Cedex (France); Rosenfeld, R. [Instituto de Física Teórica, Universidade Estadual Paulista, Rua Dr. Bento T. Ferraz, 271, 01140-070, São Paulo (Brazil); Steer, D.A., E-mail: brax@spht.saclay.cea.fr, E-mail: rosenfel@ift.unesp.br, E-mail: daniele.steer@apc.univ-paris7.fr [APC, UMR 7164, CNRS, Université Paris 7, 10 rue Alice Domon et Léonie Duquet, 75205 Paris Cedex 13 (France)

    2010-08-01

    We study the gravitational collapse of an overdensity of nonrelativistic matter under the action of gravity and a chameleon scalar field. We show that the spherical collapse model is modified by the presence of a chameleon field. In particular, we find that even though the chameleon effects can be potentially large at small scales, for a large enough initial size of the inhomogeneity the collapsing region possesses a thin shell that shields the modification of gravity induced by the chameleon field, recovering the standard gravity results. We analyse the behaviour of a collapsing shell in a cosmological setting in the presence of a thin shell and find that, in contrast to the usual case, the critical density for collapse in principle depends on the initial comoving size of the inhomogeneity.

  17. Spherical Collapse in Chameleon Models

    CERN Document Server

    Brax, Ph; Steer, D A

    2010-01-01

    We study the gravitational collapse of an overdensity of nonrelativistic matter under the action of gravity and a chameleon scalar field. We show that the spherical collapse model is modified by the presence of a chameleon field. In particular, we find that even though the chameleon effects can be potentially large at small scales, for a large enough initial size of the inhomogeneity the collapsing region possesses a thin shell that shields the modification of gravity induced by the chameleon field, recovering the standard gravity results. We analyse the behaviour of a collapsing shell in a cosmological setting in the presence of a thin shell and find that, in contrast to the usual case, the critical density for collapse depends on the initial comoving size of the inhomogeneity.

  18. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

    In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

  19. Tourism's collapse puts Gambian women at risk.

    Science.gov (United States)

    Coker, M S

    1995-06-01

    Despite efforts of the Gambian government, which established a ministry in 1981 that would tackle gender issues, improve women's health, and promote empowerment, women are underrepresented in government and business, and 84% are illiterate. Child mortality is among the highest in Africa; 134 children per 1000 die before their fifth birthday. In the mid-1980s austerity measures adopted by the World Bank and IMF left the ministry without funds. Rice and vegetable production, the main source of income for women, fell in the 1990s. In 1994, paddy production dropped 23% from the previous year; this was due to a lack of technical and financial assistance. The collapse of tourism with Capt. Yahya Jammeh's seizure of power has put prostitutes catering to tourists out of work, but women who have lost jobs in the hotel industry may be pushed into local prostitution to survive. The impact of this on the HIV/AIDS epidemic is unclear. Although Gambia is one of the world's most aid-dependent countries (more than a quarter of the GNP before the coup), corruption and mismanagement in the nongovernmental sector is widespread. The director of the Women in Development Programme, a $15m World Bank project, was forced to resign over allegations of fraud. The political process sidelines women; only village chiefs, who are traditionally men, are allowed to vote when new heads are elected.

  20. Important Details in Performing and Interpreting the Scratch Collapse Test.

    Science.gov (United States)

    Kahn, Lorna C; Yee, Andrew; Mackinnon, Susan E

    2018-02-01

    The utility of the scratch collapse test has been demonstrated in examination of patients with carpal and cubital tunnel syndromes and long thoracic and peroneal nerve compressions. In the authors' clinic, this lesser known test plays a key role in peripheral nerve examination where localization of the nerve irritation or injury is not fully understood. Test utility and accuracy in patients with more challenging presentations likely correlate with tester understanding and experience. This article offers a clear outline of all stages of the test to improve interrater reliability. The nuances of test performance are described, including a description of situations where the scratch collapse test is deemed inappropriate. Four clinical scenarios where the scratch collapse test may be useful are included. Corresponding video content is provided to improve performance and interpretation of the scratch collapse test. Diagnostic, V.

  1. The collapsed football pla yer

    African Journals Online (AJOL)

    Football is the most popular sport in the world, played by over 265 ... FIFA Medical Officer and Honorary Part-time Lecturer, Wits Centre for Exercise Science and Sports Medicine, Johannesburg .... Management of a collapsed player does not.

  2. Gravity induced wave function collapse

    Science.gov (United States)

    Gasbarri, G.; Toroš, M.; Donadi, S.; Bassi, A.

    2017-11-01

    Starting from an idea of S. L. Adler [in Quantum Nonlocality and Reality: 50 Years of Bell's Theorem, edited by M. Bell and S. Gao (Cambridge University Press, Cambridge, England 2016)], we develop a novel model of gravity induced spontaneous wave function collapse. The collapse is driven by complex stochastic fluctuations of the spacetime metric. After deriving the fundamental equations, we prove the collapse and amplification mechanism, the two most important features of a consistent collapse model. Under reasonable simplifying assumptions, we constrain the strength ξ of the complex metric fluctuations with available experimental data. We show that ξ ≥10-26 in order for the model to guarantee classicality of macro-objects, and at the same time ξ ≤10-20 in order not to contradict experimental evidence. As a comparison, in the recent discovery of gravitational waves in the frequency range 35 to 250 Hz, the (real) metric fluctuations reach a peak of ξ ˜10-21.

  3. Collapse of large extra dimensions

    International Nuclear Information System (INIS)

    Geddes, James

    2002-01-01

    In models of spacetime that are the product of a four-dimensional spacetime with an 'extra' dimension, there is the possibility that the extra dimension will collapse to zero size, forming a singularity. We ask whether this collapse is likely to destroy the spacetime. We argue, by an appeal to the four-dimensional cosmic censorship conjecture, that--at least in the case when the extra dimension is homogeneous--such a collapse will lead to a singularity hidden within a black string. We also construct explicit initial data for a spacetime in which such a collapse is guaranteed to occur and show how the formation of a naked singularity is likely avoided

  4. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

    Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

  5. Inside money, procyclical leverage, and banking catastrophes.

    Science.gov (United States)

    Brummitt, Charles D; Sethi, Rajiv; Watts, Duncan J

    2014-01-01

    We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par) can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe), causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

  6. Inside money, procyclical leverage, and banking catastrophes.

    Directory of Open Access Journals (Sweden)

    Charles D Brummitt

    Full Text Available We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe, causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

  7. Stress evolution during caldera collapse

    Science.gov (United States)

    Holohan, E. P.; Schöpfer, M. P. J.; Walsh, J. J.

    2015-07-01

    The mechanics of caldera collapse are subject of long-running debate. Particular uncertainties concern how stresses around a magma reservoir relate to fracturing as the reservoir roof collapses, and how roof collapse in turn impacts upon the reservoir. We used two-dimensional Distinct Element Method models to characterise the evolution of stress around a depleting sub-surface magma body during gravity-driven collapse of its roof. These models illustrate how principal stress orientations rotate during progressive deformation so that roof fracturing transitions from initial reverse faulting to later normal faulting. They also reveal four end-member stress paths to fracture, each corresponding to a particular location within the roof. Analysis of these paths indicates that fractures associated with ultimate roof failure initiate in compression (i.e. as shear fractures). We also report on how mechanical and geometric conditions in the roof affect pre-failure unloading and post-failure reloading of the reservoir. In particular, the models show how residual friction within a failed roof could, without friction reduction mechanisms or fluid-derived counter-effects, inhibit a return to a lithostatically equilibrated pressure in the magma reservoir. Many of these findings should be transferable to other gravity-driven collapse processes, such as sinkhole formation, mine collapse and subsidence above hydrocarbon reservoirs.

  8. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

    Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

  9. ELECTRONIC BANKING SERVICES IN ECONOMY BASED ON KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Răbonţu Cecilia Irina

    2009-05-01

    Full Text Available The term "electronic banking" or "ebanking" covers both computer and telephone banking. Using computer banking, a charity’s computer either dials directly into its bank's computer or gains access to the bank’s computer over the internet. Using telephone banking, the charity controls its bank accounts by giving the bank instructions over the telephone. Both computer and telephone banking involve the use of passwords which give access to the charity’s accounts. Technological innovation and competition among existing banking organizations have allowed a wider array of banking products and services to become accessible and delivered through the Internet. The rapid development of e-banking capabilities carries risks as well as benefits. The bankers are to recognize, address and manage banking institutions in a prudent manner according to the fundamental characteristics and challenges of e-banking services

  10. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

    The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...

  11. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

    Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

  12. Challenges and failure of Implementation of Basel Accord II and reasons to adopt Basel III both in Islamic and Conventional Banks

    Directory of Open Access Journals (Sweden)

    Muhammad Sajjad Hussain

    2013-07-01

    Full Text Available This article is about the failure of Basel Accord II and reasons to adopt the Basel Accord III in both conventional as well as Islamic financial institutions. Our main objective is that why the Basel accord II fail? And why we need the Basel Accord III? For this purpose we use both the data collection sources (Primary and Secondary. For secondary data we pick up the balance sheet of Islamic as well as conventional banks and for the primary data we fill the questionnaire from the credit and operational mangers of the banks.

  13. Magnetic tension and gravitational collapse

    International Nuclear Information System (INIS)

    Tsagas, Christos G

    2006-01-01

    The gravitational collapse of a magnetized medium is investigated by studying qualitatively the convergence of a timelike family of non-geodesic worldlines in the presence of a magnetic field. Focusing on the field's tension, we illustrate how the winding of the magnetic forcelines due to the fluid's rotation assists the collapse, while shear-like distortions in the distribution of the field's gradients resist contraction. We also show that the relativistic coupling between magnetism and geometry, together with the tension properties of the field, lead to a magneto-curvature stress that opposes the collapse. This tension stress grows stronger with increasing curvature distortion, which means that it could potentially dominate over the gravitational pull of the matter. If this happens, a converging family of non-geodesic worldlines can be prevented from focusing without violating the standard energy conditions

  14. Collapse of nonlinear Langmuir waves

    International Nuclear Information System (INIS)

    Malkin, V.M.

    1986-01-01

    The dispersion of sufficiently intensive Langmuir waves is determined by intrinsic (electron) nonlinearity. During Langmuir collapse the wave energy density required for the appearance of electron nonlinearity is attained, generally speaking, prior to the development of dissipative processes. Up to now, the effect of electron nonlinearity on the collapse dynamics and spectrum of strong Langmuir turbulence ( which may be very appreciable ) has not been studied extensively because of the difficulty of describing nonlinear Langmuir waves. In the present paper the positive determinacy of the electron nonlinear hamiltonian is proven, the increment of modulation instability of a nonlinear Langmuir wave cluster localized in a cavity is calculated, and the universal law of their collapse is found

  15. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    OpenAIRE

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

    This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

  16. Understanding Core-Collapse Supernovae

    Science.gov (United States)

    Hix, W. R.; Lentz, E. J.; Baird, M.; Messer, O. E. B.; Mezzacappa, A.; Lee, C.-T.; Bruenn, S. W.; Blondin, J. M.; Marronetti, P.

    2010-03-01

    Our understanding of core-collapse supernovae continues to improve as better microphysics is included in increasingly realistic neutrino-radiationhydrodynamic simulations. Recent multi-dimensional models with spectral neutrino transport, which slowly develop successful explosions for a range of progenitors between 12 and 25 solar mass, have motivated changes in our understanding of the neutrino reheating mechanism. In a similar fashion, improvements in nuclear physics, most notably explorations of weak interactions on nuclei and the nuclear equation of state, continue to refine our understanding of how supernovae explode. Recent progresses on both the macroscopic and microscopic effects that affect core-collapse supernovae are discussed.

  17. Electron capture and stellar collapse

    International Nuclear Information System (INIS)

    Chung, K.C.

    1979-01-01

    In order, to investigate the function of electron capture in the phenomenon of pre-supernovae gravitacional collapse, an hydrodynamic caculation was carried out, coupling capture, decay and nuclear reaction equation system. A star simplified model (homogeneous model) was adopted using fermi ideal gas approximation for tthe sea of free electrons and neutrons. The non simplified treatment from quasi-static evolution to collapse is presented. The capture and beta decay rates, as wellas neutron delayed emission, were calculated by beta decay crude theory, while the other reaction rates were determined by usual theories. The preliminary results are presented. (M.C.K.) [pt

  18. Moduli destabilization via gravitational collapse

    Energy Technology Data Exchange (ETDEWEB)

    Hwang, Dong-il [Sogang Univ., Seoul (Korea, Republic of). Center for Quantum Spacetime; Pedro, Francisco G. [Deutsches Elektronen-Synchrotron DESY, Hamburg (Germany). Theory Group; Yeom, Dong-han [Sogang Univ., Seoul (Korea, Republic of). Center for Quantum Spacetime; Kyoto Univ. (Japan). Yukawa Inst. for Theoretical Physics

    2013-06-15

    We examine the interplay between gravitational collapse and moduli stability in the context of black hole formation. We perform numerical simulations of the collapse using the double null formalism and show that the very dense regions one expects to find in the process of black hole formation are able to destabilize the volume modulus. We establish that the effects of the destabilization will be visible to an observer at infinity, opening up a window to a region in spacetime where standard model's couplings and masses can differ significantly from their background values.

  19. DISTRIBUTION OF BANKING PRODUCTS AND SERVICES

    Directory of Open Access Journals (Sweden)

    BULGAREA CATALIN NICOLAE

    2010-12-01

    Full Text Available Starting with the 90s, retails banks have faced several challenges. One of them is how to efficiently deliver their products and services to the customers. In fact, the most important challenge of a bank is how to efficiently reach the customer, with the right product or service, at the right time. Today, they can choose between branches, contact centers, ATMs, online channels, portals and web banks. Multichannel banking is, therefore, more relevant than ever. Multichannel banking is more than just offering multiple channels, but offering integrated channels, with the optimal balance of services, prices and offer across channels. Banks should have the ability to deliver the right service at the right time in the right channel. The bank should define exactly how they are going to use each channels, which services and products in which channels, how to mix and integrate the channels and how to support the channels

  20. The Value of the “Too Big to Fail” Big Bank Subsidy

    OpenAIRE

    Dean Baker; Travis McArthur

    2009-01-01

    One outcome of the TARP and other bank rescue efforts following the collapse of Lehman Brothers in September of 2008 is that the United States has essentially formalized a commitment to a “too big to fail” (TBTF) policy for major banks. This paper uses data from the FDIC on the relative cost of funds for TBTF banks and other banks, before and after the crisis, to quantify the value of the government protection provided by the TBTF policy.

  1. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

  2. Prediction of Underground Cavity Roof Collapse using the Hoek–Brown Failure Criterion

    DEFF Research Database (Denmark)

    Suchowerska, A. M.; Merifield, R. S.; Carter, J. P.

    2012-01-01

    Preventing roof collapse in underground cavities is a challenge to geotechnical engineering. In this study, three independent methods have been used to evaluate the roof collapse of underground rectangular cavities for a range of geometries and rock properties. The rock mass strength has been des...

  3. Temperature evolution during dissipative collapse

    Indian Academy of Sciences (India)

    Abstract. We investigate the gravitational collapse of a radiating sphere evolving into a final static configuration described by the interior Schwarzschild solution. The temperature profiles of this par- ticular model are obtained within the framework of causal thermodynamics. The overall temperature evolution is enhanced by ...

  4. Numerical investigations of gravitational collapse

    Energy Technology Data Exchange (ETDEWEB)

    Csizmadia, Peter; Racz, Istvan, E-mail: iracz@rmki.kfki.h [RMKI, Budapest, Konkoly Thege Miklos ut 29-33, H-1121 (Hungary)

    2010-03-01

    Some properties of a new framework for simulating generic 4-dimensional spherically symmetric gravitating systems are discussed. The framework can be used to investigate spacetimes that undergo complete gravitational collapse. The analytic setup is chosen to ensure that our numerical method is capable to follow the time evolution everywhere, including the black hole region.

  5. On the Induced Gravitational Collapse

    Directory of Open Access Journals (Sweden)

    M. Becerra Laura

    2018-01-01

    Full Text Available The induced gravitational collapse (IGC paradigm has been applied to explain the long gamma ray burst (GRB associated with type Ic supernova, and recently the Xray flashes (XRFs. The progenitor is a binary systems of a carbon-oxygen core (CO and a neutron star (NS. The CO core collapses and undergoes a supernova explosion which triggers the hypercritical accretion onto the NS companion (up to 10-2 M⊙s-1. For the binary driven hypernova (BdHNe, the binary system is enough bound, the NS reach its critical mass, and collapse to a black hole (BH with a GRB emission characterized by an isotropic energy Eiso > 1052 erg. Otherwise, for binary systems with larger binary separations, the hypercritical accretion onto the NS is not sufficient to induced its gravitational collapse, a X-ray flash is produced with Eiso < 1052 erg. We’re going to focus in identify the binary parameters that limits the BdHNe systems with the XRFs systems.

  6. Transport in the Sawtooth Collapse

    International Nuclear Information System (INIS)

    Wesson, J.A.; Alper, B.; Edwards, A.W.; Gill, R.D.

    1997-01-01

    The rapid temperature collapse in tokamak sawtooth oscillations having incomplete magnetic reconnection is generally thought to occur through ergodization of the magnetic field. An experiment in JET using injected nickel indicates that this explanation is improbable. copyright 1997 The American Physical Society

  7. Thermal duality and gravitational collapse

    International Nuclear Information System (INIS)

    Hewitt, Michael

    2015-01-01

    Thermal duality is a relationship between the behaviour of heterotic string models of the E(8)×E(8) or SO(32) types at inversely related temperatures, a variant of T duality in the Euclidean regime. This duality would have consequences for the nature of the Hagedorn transition in these string models. We propose that the vacuum admits a family of deformations in situations where there are closed surfaces of constant area but high radial acceleration (a string regularized version of a Penrose trapped surface), such as would be formed in situations of extreme gravitational collapse. This would allow a radical resolution of the firewall paradox by allowing quantum effects to significantly modify the spacetime geometry around a collapsed object. A string bremsstrahlung process would convert the kinetic energy of infalling matter in extreme gravitational collapse to form a region of the deformed vacuum, which would be equivalent to forming a high temperature string phase. A heuristic criterion for the conversion process is presented, relating Newtonian gravity to the string tension, suggesting an upper limit to the strength of the gravitational interaction. This conversion process might have observable consequences for charged particles falling into a rotating collapsed object by producing high energy particles via a variant of the Penrose process. (paper)

  8. Collapse of simple harmonic universe

    International Nuclear Information System (INIS)

    Mithani, Audrey T.; Vilenkin, Alexander

    2012-01-01

    In a recent paper Graham et al constructed oscillating and static universe models which are stable with respect to all classical perturbations. Here we show that such universes are quantum-mechanically unstable and can collapse by quantum tunneling to zero radius. We also present instantons describing nucleation of oscillating and static universes from nothing

  9. Critical Effects in Gravitational Collapse

    International Nuclear Information System (INIS)

    Chmaj, T.

    2000-01-01

    The models of gravitational collapse of a dynamical system are investigated by means of the Einstein equations. Different types conjunctions to gravitational field are analyzed and it is shown that in the case of week scalar field (low energy density) the system evaluated to flat space while in the case of strong field (high energy density) to black hole

  10. Thermal conduction and gravitational collapse

    International Nuclear Information System (INIS)

    Herrera, L.; Jimenez, J.; Esculpi, M.

    1987-01-01

    A method used to study the evolution of radiating spheres, reported some years ago by Herrera, Jimenez, and Ruggeri, is extended to the case in which thermal conduction within the sphere is taken into account. By means of an explicit example it is shown that heat flow, if present, may play an important role, affecting the final outcome of collapse

  11. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  12. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... deploying information Technology in banks therefore can ... profitability indices and other control of financial ..... impact of e-banking on bank profitability ..... [13] Nikolai L. and Bazlay J.D (1997) Intermediate Accounting, South-.

  13. Achievement of the World Bank loan project on schistosomiasis control (1992-2000) in Hubei province and the challenge in the future.

    Science.gov (United States)

    Changsong, Sun; Binggui, Yu; Hongyi, Liao; Yuhai, Dai; Xu, Xingjian; Huiguo, Zhu; Yong, Jiang

    2002-05-01

    Since the World Bank provided a loan for control of schistosomiasis in China, started from 1992, with the objective of a reduction of prevalence and intensity of the infection both in humans and animals by 40%, through mass chemotherapy in areas of high prevalence, and selective chemotherapy in areas with medium and low endemicity together with focal mollusciciding, the objective of morbidity control of the project has been reached in Hubei Province.

  14. Achievements and challenges of the World Bank Loan/Department for International Development grant-assisted Tuberculosis Control Project in China.

    Science.gov (United States)

    Kong, Peng; Jiang, Xu; Zhang, Ben; Jiang, Shi-wen; Liu, Bo

    2011-07-01

    In March 2002, the government of China launched the World Bank Loan/ Department for International Development-supported Tuberculosis (TB) Control Project to reduce the prevalence and mortality of TB. The project generated promising results in policy development, strengthening of TB control systems, patient treatment success, funds management, and the introduction of legislation. In light of the global TB epidemic and control environment, it is useful to review the TB control priorities of the project, summarize the achievements and experiences around its implementation.

  15. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

    In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

  16. Foreign Banking in Ukraine: Development Trends and Ownership Structure Regulation

    Directory of Open Access Journals (Sweden)

    Serhij Reverchuk

    2015-10-01

    Full Text Available The purpose of the article is to research the theoretical and practical aspects of foreign participation ownership structure of banks in Ukraine; to analyze the tendencies and challenges of structure regulation of bank ownership; to provide recommendations related to the role of enhancing the transparency of banking business. This research was conducted by way of review of the data on bank ownership and the regulation of the ownership structure of the banking sector in Ukraine.

  17. Modelling of cladding creep collapse

    International Nuclear Information System (INIS)

    Koundy, V.; Forgeron, T.; Hivroz, J.

    1993-01-01

    The effects of the initial ovality and pressure level on the collapse time of Zircaloy-4 tubing subjected to uniform external pressure were examined experimentally and analytically. Experiments were performed on end closed tubes with two metallurgical states: stress relieved and recrystallized. Numerical simulations were accomplished with a specific computer program based on an analytical approach and the calculated results were compared with the experimental ones. As a comparison, the finite element method is also partially examined in this analysis. Numerical collapse times are in good agreement with regard to experimental results in the case of stress relieved structure. They seem to be too conservative in the case of a recrystallized metallurgical state and the use of the anisotropic option ameliorates numerical results. Sensibility of numerical solutions to the formulation of primary creep laws are presented

  18. Collapsed Thunderstorm, Southwest Pacific Ocean

    Science.gov (United States)

    1992-01-01

    This collapsed thunderstorm was observed over the open ocean (9.0N, 120.0E) between the Philippine island of Mindoro and Borneo, Malaysia. The cleared area in the center is the result of the clouds being driven from there by the sudden rush of katabatic air spreading downward and outward from the dying thunderstorm. Around the edges of the downdrafted air, new though smaller storms are developing. The two small coral atolls are the Tubbataha Reefs.

  19. Critical behavior of collapsing surfaces

    DEFF Research Database (Denmark)

    Olsen, Kasper; Sourdis, C.

    2009-01-01

    We consider the mean curvature evolution of rotationally symmetric surfaces. Using numerical methods, we detect critical behavior at the threshold of singularity formation resembling that of gravitational collapse. In particular, the mean curvature simulation of a one-parameter family of initial...... data reveals the existence of a critical initial surface that develops a degenerate neckpinch. The limiting flow of the type II singularity is accurately modeled by the rotationally symmetric translating soliton....

  20. Soliton collapse during ionospheric heating

    International Nuclear Information System (INIS)

    Sheerin, J.P.; Nicholson, D.R.; Payne, G.L.; Duncan, L.M.

    1984-01-01

    We present analytical and numerical work which indicates that during ionospheric heating with high-powered hf radio waves, the oscillating two-stream instability may dominate the parametric decay instability. The oscillating two-stream instability saturates nonlinearly through the formation of solitons which undergo a collisionally damped collapse. Using the heater and radar facilities at Arecibo Observatory, we have investigated this phenomenon experimentally. Recent results from our theoretical and experimental investigations are presented

  1. Collapse models and perceptual processes

    International Nuclear Information System (INIS)

    Ghirardi, Gian Carlo; Romano, Raffaele

    2014-01-01

    Theories including a collapse mechanism have been presented various years ago. They are based on a modification of standard quantum mechanics in which nonlinear and stochastic terms are added to the evolution equation. Their principal merits derive from the fact that they are mathematically precise schemes accounting, on the basis of a unique universal dynamical principle, both for the quantum behavior of microscopic systems as well as for the reduction associated to measurement processes and for the classical behavior of macroscopic objects. Since such theories qualify themselves not as new interpretations but as modifications of the standard theory they can be, in principle, tested against quantum mechanics. Recently, various investigations identifying possible crucial test have been discussed. In spite of the extreme difficulty to perform such tests it seems that recent technological developments allow at least to put precise limits on the parameters characterizing the modifications of the evolution equation. Here we will simply mention some of the recent investigations in this direction, while we will mainly concentrate our attention to the way in which collapse theories account for definite perceptual process. The differences between the case of reductions induced by perceptions and those related to measurement procedures by means of standard macroscopic devices will be discussed. On this basis, we suggest a precise experimental test of collapse theories involving conscious observers. We make plausible, by discussing in detail a toy model, that the modified dynamics can give rise to quite small but systematic errors in the visual perceptual process.

  2. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  3. Challenges and failure of Implementation of Basel Accord II and reasons to adopt Basel III both in Islamic and Conventional Banks

    OpenAIRE

    Muhammad Sajjad Hussain; Dr. Muhammad Ramzan; Muhammad Shahid Khan Ghauri; Waqas Akhtar; Waqar Naeem; Khalil Ahmad

    2013-01-01

    This article is about the failure of Basel Accord II and reasons to adopt the Basel Accord III in both conventional as well as Islamic financial institutions. Our main objective is that why the Basel accord II fail? And why we need the Basel Accord III? For this purpose we use both the data collection sources (Primary and Secondary). For secondary data we pick up the balance sheet of Islamic as well as conventional banks and for the primary data we fill the questionnaire from the credit and o...

  4. Collapse Mechanisms Of Masonry Structures

    International Nuclear Information System (INIS)

    Zuccaro, G.; Rauci, M.

    2008-01-01

    The paper outlines a possible approach to typology recognition, safety check analyses and/or damage measuring taking advantage by a multimedia tool (MEDEA), tracing a guided procedure useful for seismic safety check evaluation and post event macroseismic assessment. A list of the possible collapse mechanisms observed in the post event surveys on masonry structures and a complete abacus of the damages are provided in MEDEA. In this tool a possible combination between a set of damage typologies and each collapse mechanism is supplied in order to improve the homogeneity of the damages interpretation. On the other hand recent researches of one of the author have selected a number of possible typological vulnerability factors of masonry buildings, these are listed in the paper and combined with potential collapse mechanisms to be activated under seismic excitation. The procedure takes place from simple structural behavior models, derived from the Umbria-Marche earthquake observations, and tested after the San Giuliano di Puglia event; it provides the basis either for safety check analyses of the existing buildings or for post-event structural safety assessment and economic damage evaluation. In the paper taking advantage of MEDEA mechanisms analysis, mainly developed for the post event safety check surveyors training, a simple logic path is traced in order to approach the evaluation of the masonry building safety check. The procedure starts from the identification of the typological vulnerability factors to derive the potential collapse mechanisms and their collapse multipliers and finally addresses the simplest and cheapest strengthening techniques to reduce the original vulnerability. The procedure has been introduced in the Guide Lines of the Regione Campania for the professionals in charge of the safety check analyses and the buildings strengthening in application of the national mitigation campaign introduced by the Ordinance of the Central Government n. 3362

  5. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

    Full Text Available Information systems outsourcing issues has been attracted in recent years because many information systems projects in organizations are done in this case. On the other hand, failure rate of this kind of projects is also high. The aim of this article is to find success factors in risk management of information systems outsourcing in commercial banks using these factors leads to increase the success rate of risk management of information systems outsourcing projects. Research methods in the present article based on purpose are applied and descriptive- survey. In addition, research tool is questionnaire which was used among commercial bank experts. For this purpose, First information systems outsourcing risks were identified and then ranked. In the next step, the information systems outsourcing reasons were surveyed and the most important reasons were identified. Then the risks which have not any relationship with the most important reasons were removed and success factors in managing residual risks were extracted.

  6. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

    The development of information and communication technology is one of the most important reasons for the incredibly fast changes in business. Electronic commerce is spreading unstoppably in the operations of companies. The creation of new models, such as online banking, online shopping and the like, has sped up the development of the World Wide Web. Owing to the rapid progress of the World Wide Web and technologies for secure business operations, we can barely imagine life today without e...

  7. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

    The authors study environments in which agents may borrow sequentially from more than one leader. Although debt is prioritized, additional lending imposes an externality on prior debt because, with moral hazard, the probability of repayment of prior loans decreases. Equilibrium interest rates are higher than they would be if borrowers could commit to borrow from at most one bank. Even though the loan terms are less favorable than they would be under commitment, the indebtedness of borrowers i...

  8. HIERARCHICAL GRAVITATIONAL FRAGMENTATION. I. COLLAPSING CORES WITHIN COLLAPSING CLOUDS

    Energy Technology Data Exchange (ETDEWEB)

    Naranjo-Romero, Raúl; Vázquez-Semadeni, Enrique; Loughnane, Robert M. [Instituto de Radioastronomía y Astrofísica, Universidad Nacional Autónoma de México, Apdo. Postal 3-72, Morelia, Michoacán, 58089, México (Mexico)

    2015-11-20

    We investigate the Hierarchical Gravitational Fragmentation scenario through numerical simulations of the prestellar stages of the collapse of a marginally gravitationally unstable isothermal sphere immersed in a strongly gravitationally unstable, uniform background medium. The core developes a Bonnor–Ebert (BE)-like density profile, while at the time of singularity (the protostar) formation the envelope approaches a singular-isothermal-sphere (SIS)-like r{sup −2} density profile. However, these structures are never hydrostatic. In this case, the central flat region is characterized by an infall speed, while the envelope is characterized by a uniform speed. This implies that the hydrostatic SIS initial condition leading to Shu's classical inside-out solution is not expected to occur, and therefore neither should the inside-out solution. Instead, the solution collapses from the outside-in, naturally explaining the observation of extended infall velocities. The core, defined by the radius at which it merges with the background, has a time-variable mass, and evolves along the locus of the ensemble of observed prestellar cores in a plot of M/M{sub BE} versus M, where M is the core's mass and M{sub BE} is the critical BE mass, spanning the range from the “stable” to the “unstable” regimes, even though it is collapsing at all times. We conclude that the presence of an unstable background allows a core to evolve dynamically from the time when it first appears, even when it resembles a pressure-confined, stable BE-sphere. The core can be thought of as a ram-pressure confined BE-sphere, with an increasing mass due to the accretion from the unstable background.

  9. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  10. Black hole formation in perfect fluid collapse

    International Nuclear Information System (INIS)

    Goswami, Rituparno; Joshi, Pankaj S

    2004-01-01

    We construct here a special class of perfect fluid collapse models which generalizes the homogeneous dust collapse solution in order to include nonzero pressures and inhomogeneities into evolution. It is shown that a black hole is necessarily generated as the end product of continued gravitational collapse, rather than a naked singularity. We examine the nature of the central singularity forming as a result of endless collapse and it is shown that no nonspacelike trajectories can escape from the central singularity. Our results provide some insights into how the dynamical collapse works and into the possible formulations of the cosmic censorship hypothesis, which is as yet a major unsolved problem in black hole physics

  11. Is banking supervision central to central banking?

    OpenAIRE

    Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

    1997-01-01

    Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

  12. Earthquakes as collapse precursors at the Han-sur-Lesse Cave in the Belgian Ardennes

    Science.gov (United States)

    Camelbeeck, Thierry; Quinif, Yves; Verheyden, Sophie; Vanneste, Kris; Knuts, Elisabeth

    2018-05-01

    Collapse activation is an ongoing process in the evolution of karstic networks related to the weakening of cave vaults. Because collapses are infrequent, few have been directly observed, making it challenging to evaluate the role of external processes in their initiation and triggering. Here, we study the two most recent collapses in the Dôme chamber of the Han-sur-Lesse Cave (Belgian Ardenne) that occurred on or shortly after 3rd December 1828 and between the 13th and 14th of March 1984. Because of the low probability that the two earthquakes that generated the strongest ground motions in Han-sur-Lesse since 1800, on 23rd February 1828 (Mw = 5.1 in Central Belgium) and 8th November 1983 (Mw = 4.8 in Liège) occurred by coincidence less than one year before these collapses, we suggest that the collapses are related to these earthquakes. We argue that the earthquakes accelerated the cave vault instability, leading to the collapses by the action of other factors weakening the host rock. In particular, the 1828 collapse was likely triggered by a smaller Mw = 4.2 nearby earthquake. The 1984 collapse followed two months of heavy rainfall that would have increased water infiltration and pressure in the rock mass favoring destabilization of the cave ceiling. Lamina counting of a stalagmite growing on the 1828 debris dates the collapse at 1826 ± 9 CE, demonstrating the possibility of dating previous collapses with a few years of uncertainty. Furthermore, our study opens new perspectives for studying collapses and their chronology both in the Han-sur-Lesse Cave and in other karstic networks. We suggest that earthquake activity could play a stronger role than previously thought in initiating cave collapses.

  13. THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

    Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank.  Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.

  14. Collapsing stage of 'bosonic matter'

    International Nuclear Information System (INIS)

    Manoukian, E.B.; Muthaporn, C.; Sirininlakul, S.

    2006-01-01

    We prove rigorously that for 'bosonic matter', if deflation occurs upon collapse as more and more such matter is put together, then for a non-vanishing probability of having the negatively charged particles, with Coulomb interactions, within a sphere of radius R, the latter necessarily cannot decrease faster than N -1/3 for large N, where N denotes the number of the negatively charged particles. This is in clear distinction with matter (i.e., matter with the exclusion principle) which inflates and R necessarily increases not any slower than N 1/3 for large N

  15. PSI collapse and relativistic covariance

    International Nuclear Information System (INIS)

    Costa de Beauregard, Olivier

    1980-01-01

    We call macrorelativistic a theory invariant under the orthochronous Lorentz group and obeying the 'factlike' principle of retarded causality, and microrelativistic a theory invariant under the full Lorentz group and CPT symmetric. The Einstein correlations either direct (non-separability of measurements issuing from a common preparation) or reversed (non-separability of preparations producing a common measurement) are incompatible with the macro-, but compatible with the microrelativity. We assume that fundamental physics is fully Lorentz and CPT invariant (the transition to macrophysics introducing a 'factlike asymmetry) and consequently define the collapse-and-retrocollapse concept [fr

  16. THE STRATEGIC IMPORTANCE OF CORPORATE RESPONSIBILITY AND SUSTAINABILITY IN BANKING

    Directory of Open Access Journals (Sweden)

    DRĂGAN (SÂNTĂMARIAN OANA RALUCA

    2013-02-01

    Full Text Available The paper aims to highlight the strategic implication of corporate social responsibility (CSR and sustainable development for the banking sector. A few years ago, banks did not give much importance to the social and environmental problems. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the banking system. In this context, the development of a bank management system based on sustainable principles is one of the current challenges. For this purpose this paper focuses on issues such as the importance and advantages of implementing sustainability bank management, international standards regarding sustainable banking management such as: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. In addition, we have developed a practical case study about the implementation of sustainable banking management; the case study presents Romanian Commercial Bank as an example of good practice in the Romanian banking sector.

  17. RMB Business Boost for Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ With the competition over foreign currency loans becoming intensified among foreign and Chinese banks, rivalry on loans made in RMB are seeing a similar trend. Specifically, the local banks' "comfort zone" has been challenged as the country's financial industry opens according to the timetable of WTO agreement, with full opening arriving at the end of this year.

  18. Regulatory and institutional challenges of corporate governance in ...

    African Journals Online (AJOL)

    Regulatory and institutional challenges of corporate governance in post banking consolidation Nigeria. ... PROMOTING ACCESS TO AFRICAN RESEARCH ... From a banking industry perspective, good corporate governance demands

  19. Stellar core collapse and supernova

    International Nuclear Information System (INIS)

    Wilson, J.R.; Mayle, R.; Woosley, S.E.; Weaver, T.

    1985-04-01

    Massive stars that end their stable evolution as their iron cores collapse to a neutron star or black hole long been considered good candidates for producing Type II supernovae. For many years the outward propagation of the shock wave produced by the bounce of these iron cores has been studied as a possible mechanism for the explosion. For the most part, the results of these studies have not been particularly encouraging, except, perhaps, in the case of very low mass iron cores or very soft nuclear equations of state. The shock stalls, overwhelmed by photodisintegration and neutrino losses, and the star does not explode. More recently, slow late time heating of the envelope of the incipient neutron star has been found to be capable of rejuvenating the stalled shock and producing an explosion after all. The present paper discusses this late time heating and presents results from numerical calculations of the evolution, core collapse, and subsequent explosion of a number of recent stellar models. For the first time they all, except perhaps the most massive, explode with reasonable choices of input physics. 39 refs., 17 figs., 1 tab

  20. Collapsing stellar cores and supernovae

    Energy Technology Data Exchange (ETDEWEB)

    Epstein, R J [Nordisk Inst. for Teoretisk Atomfysik, Copenhagen (Denmark); Noorgaard, H [Nordisk Inst. for Teoretisk Atomfysik, Copenhagen (Denmark); Chicago Univ., IL (USA). Enrico Fermi Inst.); Bond, J R [Niels Bohr Institutet, Copenhagen (Denmark); California Inst. of Tech., Pasadena (USA). W.K. Kellogg Radiation Lab.)

    1979-05-01

    The evolution of a stellar core is studied during its final quasi-hydrostatic contraction. The core structure and the (poorly known) properties of neutron rich matter are parametrized to include most plausible cases. It is found that the density-temperature trajectory of the material in the central part of the core (the core-center) is insensitive to nearly all reasonable parameter variations. The central density at the onset of the dynamic phase of the collapse (when the core-center begins to fall away from the rest of the star) and the fraction of the emitted neutrinos which are trapped in the collapsing core-center depend quite sensitively on the properties of neutron rich matter. We estimate that the amount of energy Ecm which is imparted to the core-mantle by the neutrinos which escape from the imploded core-center can span a large range of values. For plausible choices of nuclear and model parameters Ecm can be large enough to yield a supernova event.

  1. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

    van Esterik-Plasmeijer, P.; van Raaij, W.F.

    2017-01-01

    Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

  2. USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    ALIN ISAC

    2013-12-01

    Full Text Available Technology and applications of mobile phones offer many opportunities for businesses, they also presenting a continuous development and new challenges. Although this service is currently viewed with reluctance by customers, banks need to overcome this drawback and understand how this service can be combined with other alternative channels such as social media, to create value for customers. In this paper I presented information about present and perspectives in mobile applications industry, what can a mobile application do in banking, banking mobile applications in Romania, mobile banking applications worldwide.

  3. Collapse models with non-white noises

    International Nuclear Information System (INIS)

    Adler, Stephen L; Bassi, Angelo

    2007-01-01

    We set up a general formalism for models of spontaneous wavefunction collapse with dynamics represented by a stochastic differential equation driven by general Gaussian noises, not necessarily white in time. In particular, we show that the non-Schroedinger terms of the equation induce the collapse of the wavefunction to one of the common eigenstates of the collapsing operators, and that the collapse occurs with the correct quantum probabilities. We also develop a perturbation expansion of the solution of the equation with respect to the parameter which sets the strength of the collapse process; such an approximation allows one to compute the leading-order terms for the deviations of the predictions of collapse models with respect to those of standard quantum mechanics. This analysis shows that to leading order, the 'imaginary noise' trick can be used for non-white Gaussian noise

  4. Explosive X-point collapse in relativistic magnetically dominated plasma

    Science.gov (United States)

    Lyutikov, Maxim; Sironi, Lorenzo; Komissarov, Serguei S.; Porth, Oliver

    2017-12-01

    The extreme properties of the gamma-ray flares in the Crab nebula present a clear challenge to our ideas on the nature of particle acceleration in relativistic astrophysical plasma. It seems highly unlikely that standard mechanisms of stochastic type are at work here and hence the attention of theorists has switched to linear acceleration in magnetic reconnection events. In this series of papers, we attempt to develop a theory of explosive magnetic reconnection in highly magnetized relativistic plasma which can explain the extreme parameters of the Crab flares. In the first paper, we focus on the properties of the X-point collapse. Using analytical and numerical methods (fluid and particle-in-cell simulations) we extend Syrovatsky's classical model of such collapse to the relativistic regime. We find that the collapse can lead to the reconnection rate approaching the speed of light on macroscopic scales. During the collapse, the plasma particles are accelerated by charge-starved electric fields, which can reach (and even exceed) values of the local magnetic field. The explosive stage of reconnection produces non-thermal power-law tails with slopes that depend on the average magnetization . For sufficiently high magnetizations and vanishing guide field, the non-thermal particle spectrum consists of two components: a low-energy population with soft spectrum that dominates the number census; and a high-energy population with hard spectrum that possesses all the properties needed to explain the Crab flares.

  5. Environmental challenge

    International Nuclear Information System (INIS)

    Conable, B.; Warford, J.; Partow, Z.; Lutz, E.; Munasinghe, M.

    1991-09-01

    The contents include the following: Development and the Environment: A Global Balance; Evolution of the World Bank's Environmental Policy; Accounting for the Environment; Public Policy and the Environment; Managing Drylands; Environmental Action Plans in Africa; Agroforestry in Sub-Saharan Africa; Irrigation and the Environmental Challenge; Curbing Pollution in Developing Countries; Global Warming and the Developing World; and The Global Environment Facility

  6. EVOLUTIONARY ASPECTS OF THE GEORGIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Tamar ATANELISHVILI

    2016-08-01

    Full Text Available Georgian monetary relations have a centuries-old history. Credit associations were first founded in 11-13th centuries. Network of credit institutions became larger in the 19th century – independent commercial banks were established in the second half of the 19th century. Central State Bank of Georgia was established in the Democratic Republic of Georgia in the beginning of the 20th century. At the same time, there were efforts to create independent two-level banking system, although those efforts failed due to forceful sovietization of Georgia. But still, independent banking system was founded in Georgia after the collapse of the former Soviet Union. This work examines afore-mentioned evolutionary processes and some of peculiarities of modern banking system. The research shows that modern Georgian banking system is growing fast but it contains signs of oligopoly which contradicts the interests of vast masses of population and entrepreneurial development, while stimulating retaining of high interest rates and devaluation of national currency.

  7. Completely quantized collapse and consequences

    International Nuclear Information System (INIS)

    Pearle, Philip

    2005-01-01

    Promotion of quantum theory from a theory of measurement to a theory of reality requires an unambiguous specification of the ensemble of realizable states (and each state's probability of realization). Although not yet achieved within the framework of standard quantum theory, it has been achieved within the framework of the continuous spontaneous localization (CSL) wave-function collapse model. In CSL, a classical random field w(x,t) interacts with quantum particles. The state vector corresponding to each w(x,t) is a realizable state. In this paper, I consider a previously presented model, which is predictively equivalent to CSL. In this completely quantized collapse (CQC) model, the classical random field is quantized. It is represented by the operator W(x,t) which satisfies [W(x,t),W(x ' ,t ' )]=0. The ensemble of realizable states is described by a single state vector, the 'ensemble vector'. Each superposed state which comprises the ensemble vector at time t is the direct product of an eigenstate of W(x,t ' ), for all x and for 0≤t ' ≤t, and the CSL state corresponding to that eigenvalue. These states never interfere (they satisfy a superselection rule at any time), they only branch, so the ensemble vector may be considered to be, as Schroedinger put it, a 'catalog' of the realizable states. In this context, many different interpretations (e.g., many worlds, environmental decoherence, consistent histories, modal interpretation) may be satisfactorily applied. Using this description, a long-standing problem is resolved, where the energy comes from the particles gain due to the narrowing of their wave packets by the collapse mechanism. It is shown how to define the energy of the random field and its energy of interaction with particles so that total energy is conserved for the ensemble of realizable states. As a by-product, since the random-field energy spectrum is unbounded, its canonical conjugate, a self-adjoint time operator, can be discussed. Finally, CSL

  8. Spherical dust collapse in higher dimensions

    International Nuclear Information System (INIS)

    Goswami, Rituparno; Joshi, Pankaj S.

    2004-01-01

    We consider here whether it is possible to recover cosmic censorship when a transition is made to higher-dimensional spacetimes, by studying the spherically symmetric dust collapse in an arbitrary higher spacetime dimension. It is pointed out that if only black holes are to result as the end state of a continual gravitational collapse, several conditions must be imposed on the collapsing configuration, some of which may appear to be restrictive, and we need to study carefully if these can be suitably motivated physically in a realistic collapse scenario. It would appear, that, in a generic higher-dimensional dust collapse, both black holes and naked singularities would develop as end states as indicated by the results here. The mathematical approach developed here generalizes and unifies the earlier available results on higher-dimensional dust collapse as we point out. Further, the dependence of black hole or naked singularity end states as collapse outcomes on the nature of the initial data from which the collapse develops is brought out explicitly and in a transparent manner as we show here. Our method also allows us to consider here in some detail the genericity and stability aspects related to the occurrence of naked singularities in gravitational collapse

  9. Geophysical Processes - MO 2013 Collapse Potential (SHP)

    Data.gov (United States)

    NSGIC State | GIS Inventory — Collapse potential correlates with locations of underground mines and sinkholes. Computer-generated hazard calculations include areas in close proximity to mines and...

  10. Spherically symmetric radiation in gravitational collapse

    International Nuclear Information System (INIS)

    Bridy, D.J.

    1983-01-01

    This paper investigates a previously neglected mode by which a star may lose energy in the late stages of gravitational collapse to the black hole state. A model consisting of a Schwarzschild exterior matched to a Friedman interior of collapsing pressureless dust is studied. The matter of the collapsing star is taken as the source of a massive vector boson field and a detailed boundary value problem is carried out. Vector mesons are strongly coupled to all nucleons and will be radiated by ordinary matter during the collapse. The time dependent coupling between interior and exterior modes matched across the moving boundary of the collapsing star and the presence of the gravitational fields and their gradients in the field equations may give rise to a parametric amplification mechanism and permit the gravitational field to pump energy into the boson field, greatly enhancing the amount of boson radiation. The significance of a radiative mechanism driven by collapse is that it can react back upon the collapsing source and deprive it of some of the very mass that drives the collapse via its self gravitation. If the mass loss is great enough, this may provide a mechanism to slow or even halt gravitational collapse in some cases

  11. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

    Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

  12. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

    The banking systems of some countries export intermediation services to the rest of the world, while many other countries are net exporters of deposits to banks abroad and net importers of loans from banks abroad. Banking center countries typically have lower inflation, deeper financial systems, earn less government revenue from seigniorage, and have lower reserve money relative to bank assets than nonbanking-center countries. This paper develops a stylized model of regulated bank intermediat...

  13. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

    Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

  14. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

    Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

  15. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

    The use of human organs and tissues for transplantation in Australia has increased significantly over the past 30 years. In 1997, the Australian Coordinating Committee on Organ Registries and Donation (ACCORD) reported a total number of 190 organ donors, 636 corneal donors and 1509 bone donors Australia wide. Of the 1509 bone donations, 143 came from cadaveric sources and 1366 were made by living donors. Bone transplantation is not as widely recognised as solid organ or corneal transplantation. Due to improved technology and surgical skills, the demand for bone transplantation has increased markedly. This Clinical Update will provide an overview of the physiological aspects of bone transplantation and explore bone banking, a key step in the complex and critical process of bone transplantation.

  16. Understand rotating isothermal collapses yet

    International Nuclear Information System (INIS)

    Tohline, J.E.

    1985-01-01

    A scalar virial equation is used to describe the dynamic properties of equilibrium gas clouds, taking into account the relative effects of surface pressure, rotation, self gravity and internal isothermal pressure. Details concerning the internal structure of the clouds are ignored in order to obtain a globalized analytical expression. The obtained solution to the equation is found to agree with the surface-pressure-dominated model of Stahler (1983), and the rotation-dominated model of Hayashi, Narita, and Miyama (1982). On the basis of the analytical expression of virial equilibrium in the clouds, some of the limiting properties of isothermal clouds are described, and a realistic starting model for cloud collapse is proposed. 18 references

  17. Collapse Analysis of Timber Structures

    DEFF Research Database (Denmark)

    Kirkegaard, Poul Henning; Sørensen, John Dalsgaard

    2008-01-01

    of Structures and a probabilistic modelling of the timber material proposed in the Probabilistic Model Code (PMC) of the Joint Committee on Structural Safety (JCSS). Due to the framework in the Danish Code the timber structure has to be evaluated with respect to the following criteria where at least one shall...... to criteria a) and b) the timber frame structure has one column with a reliability index a bit lower than an assumed target level. By removal three columns one by one no significant extensive failure of the entire structure or significant parts of it are obtained. Therefore the structure can be considered......A probabilistic based collapse analysis has been performed for a glulam frame structure supporting the roof over the main court in a Norwegian sports centre. The robustness analysis is based on the framework for robustness analysis introduced in the Danish Code of Practice for the Safety...

  18. An axisymmetric gravitational collapse code

    Energy Technology Data Exchange (ETDEWEB)

    Choptuik, Matthew W [CIAR Cosmology and Gravity Program, Department of Physics and Astronomy, University of British Columbia, Vancouver BC, V6T 1Z1 (Canada); Hirschmann, Eric W [Department of Physics and Astronomy, Brigham Young University, Provo, UT 84604 (United States); Liebling, Steven L [Southampton College, Long Island University, Southampton, NY 11968 (United States); Pretorius, Frans [Theoretical Astrophysics, California Institute of Technology, Pasadena, CA 91125 (United States)

    2003-05-07

    We present a new numerical code designed to solve the Einstein field equations for axisymmetric spacetimes. The long-term goal of this project is to construct a code that will be capable of studying many problems of interest in axisymmetry, including gravitational collapse, critical phenomena, investigations of cosmic censorship and head-on black-hole collisions. Our objective here is to detail the (2+1)+1 formalism we use to arrive at the corresponding system of equations and the numerical methods we use to solve them. We are able to obtain stable evolution, despite the singular nature of the coordinate system on the axis, by enforcing appropriate regularity conditions on all variables and by adding numerical dissipation to hyperbolic equations.

  19. An axisymmetric gravitational collapse code

    International Nuclear Information System (INIS)

    Choptuik, Matthew W; Hirschmann, Eric W; Liebling, Steven L; Pretorius, Frans

    2003-01-01

    We present a new numerical code designed to solve the Einstein field equations for axisymmetric spacetimes. The long-term goal of this project is to construct a code that will be capable of studying many problems of interest in axisymmetry, including gravitational collapse, critical phenomena, investigations of cosmic censorship and head-on black-hole collisions. Our objective here is to detail the (2+1)+1 formalism we use to arrive at the corresponding system of equations and the numerical methods we use to solve them. We are able to obtain stable evolution, despite the singular nature of the coordinate system on the axis, by enforcing appropriate regularity conditions on all variables and by adding numerical dissipation to hyperbolic equations

  20. The Decline of Traditional Banking Activities

    Directory of Open Access Journals (Sweden)

    Gabriela Cornelia Piciu

    2011-05-01

    Full Text Available The decline of traditional banking activities raise the issue of efficiency of financial stability, in terms ofquantitative and qualitative aspects – the increasing danger of banking failures as well as of susceptibility due toincreased propensity of banking institutions to assume additional to risks either in the form of riskier loans offer orengaging in other "non-traditional" financial activities which give a promise for greater profitability, but also higherrisks. Non-traditional activities of banking as financial products dealers (financial derivatives, generate an increasingrisks and vulnerabilities in the form of moral hazard issues. That is the reason why and these activities should beregulated as well as are the traditional activities. Challenges posed by the decline of traditional banking activities istwofold: the stability of the banking system must be maintained, while the banking system needs to be restructured toachieve financial stability in the long run. One possible way is an appropriate regulatory framework to encourage atransition period of changing the structure of banking activity(reduction of traditional activities and expanding nontraditional activities to enable banking institutions to perform a deep methodic analysis of non traditional activities,oriented to the financial banking efficiency.

  1. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

    Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

  2. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

    Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

  3. FRAUDULENT TRANSACTIONS WITH BANK PLASTIC CARDS AS A THREAT TO ECONOMIC SECURITY IN THE BANKING SPHERE

    Directory of Open Access Journals (Sweden)

    Elena V. Ilinich

    2013-01-01

    Full Text Available Banks active development of cashless payments by plastic cards, the growing number of fraudulent transactions and the damage they cause, create new challenges and threats to economic security in the sphere of banking activity. The latest information technologies are active used by organized crime groups, the methods of committing crimes are changing and are not yet adequately reflected by banks and law enforcement agencies.

  4. Interest Free Banking in Nigeria - Welcome Islamic Banking ...

    African Journals Online (AJOL)

    Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

  5. Simulation of the earthquake-induced collapse of a school building in Turkey in 2011 Van Earthquake

    NARCIS (Netherlands)

    Bal, Ihsan Engin; Smyrou, Eleni

    2016-01-01

    Collapses of school or dormitory buildings experienced in recent earthquakes raise the issue of safety as a major challenge for decision makers. A school building is ‘just another structure’ technically speaking, however, the consequences of a collapse in an earthquake could lead to social reactions

  6. ECB Banking Supervision and beyond

    OpenAIRE

    Lannoo, Karel

    2014-01-01

    With publication of the results of its Comprehensive Assessment at the end of October 2014, the European Central Bank has set the standard for its new mandate as supervisor. But this was only the beginning. The heavy work started in early November, with the day-to-day supervision of the 120 most significant banks in the eurozone under the Single Supervisory Mechanism. The centralisation of the supervision in the eurozone will pose a number of challenges for the ECB in the coming months and ye...

  7. An Investigation of Benefits Affecting SOA Adoption in e-Banking

    OpenAIRE

    Basias, Nikolaos; Marinos, Themistocleous; Morabito, Vincenzo

    2014-01-01

    Banking is a leading industry in the development of e-business and e-banking grows rapidly due to the numerous potential benefits associated with it. E-banking brings up unique types of challenges and requires innovative integration solutions as Service Oriented Architecture (SOA). Integration is one of the most important challenges for e-banking success and many issues related to this area remain unexplored. In addressing integration issues, SOA has emerged and adopted by many banks. Neverth...

  8. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    OpenAIRE

    Ross Levine

    2003-01-01

    This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

  9. The Collapse of the 'Celtic Tiger' Narrative

    DEFF Research Database (Denmark)

    Böss, Michael

    2011-01-01

    An account of the factors that led to the collapse of the 'Celtic Tiger' economy in 2008 and an explanation of the political effects and implications for Irish identity.......An account of the factors that led to the collapse of the 'Celtic Tiger' economy in 2008 and an explanation of the political effects and implications for Irish identity....

  10. Non explosive collapse of white dwarfs

    International Nuclear Information System (INIS)

    Canal, R.; Schatzmann, E.

    1976-01-01

    We show that if a sufficiently cold carbon-oxygen white dwarf, close to the critical mass, accretes matter from a companion in a binary system, the time scale of collapse is long enough to allow neutronization before the onset of pycnonuclear reactions. This can possibly lead to the formation of X-ray sources by a non explosive collapse. (orig.) [de

  11. Homoclinic phenomena in the gravitational collapse

    International Nuclear Information System (INIS)

    Koiller, J.; Mello Neto, J.R.T. de; Soares, I.D.

    1984-01-01

    A class of Bianchi IX cosmological models is shown to have chaotic gravitational collapse, due to Poincare's homoclinic phenomena. Such models can be programmed so that for any given positive integer N (N=infinity included) the universe undergoes N non-periodic oscillations (each oscillation requiring a long time) before collapsing. For N=infinity the universe undergoes periodic oscillations. (Author) [pt

  12. On the collapse of iron stellar cores

    International Nuclear Information System (INIS)

    Barkat, Z.; Rakavy, G.; Reiss, Y.; Wilson, J.R.

    1975-01-01

    The collapse of iron stellar cores is investigated to see whether the outward shock produced by the bounce at neutron star density is sufficient to burn appreciable amounts of the envelope around the iron core. Several models were tried, and in all cases no appreciable burn took place; hence no explosion results from the collapse of these models

  13. Plastic collapse load of corroded steel plates

    Indian Academy of Sciences (India)

    Keywords. Corroded steel plate; plastic collapse; FEM; rough surface. ... The main aim of present work is to study plastic collapse load of corroded steel plates with irregular surfaces under tension. Non-linear finite element method ... Department of Ocean Engineering, AmirKabir University of Technology, 15914 Tehran, Iran ...

  14. Collapse of Electrostatic Waves in Magnetoplasmas

    DEFF Research Database (Denmark)

    Shukla, P. K.; Yu, M. Y.; Juul Rasmussen, Jens

    1984-01-01

    The two-fluid model is employed to investigate the collapse of electrostatic waves in magnetized plasmas. It is found that nonlinear interaction of ion cyclotron, upper-, and lower-hybrid waves with adiabatic particle motion along the external magnetic field can cause wave-field collapse....

  15. Sharper criteria for the wave collapse

    DEFF Research Database (Denmark)

    Kuznetsov, E.A.; Juul Rasmussen, J.; Rypdal, K.

    1995-01-01

    Sharper criteria for three-dimensional wave collapse described by the Nonlinear Schrodinger Equation (NLSE) are derived. The collapse threshold corresponds to the ground state soliton which is known to be unstable. Thus, for nonprefocusing distributions this represents the separatrix between...

  16. Contagious cooperation, temptation, and ecosystem collapse

    NARCIS (Netherlands)

    Richter, A.; van Soest, D.P.; Grasman, J.

    2013-01-01

    Real world observations suggest that social norms of cooperation can be effective in overcoming social dilemmas such as the joint management of a common pool resource—but also that they can be subject to slow erosion and sudden collapse. We show that these patterns of erosion and collapse emerge

  17. Fire-induced collapses of steel structures

    DEFF Research Database (Denmark)

    Dondera, Alexandru; Giuliani, Luisa

    Single-story steel buildings such as car parks and industrial halls are often characterised by stiff beams and flexible columns and may experience an outward (sway) collapse during a fire, endangering people and properties outside the building. It is therefore a current interest of the research...... to investigate the collapse behaviour of single-story steel frames and identify relevant structural characteristics that influence the collapse mode. In this paper, a parametric study on the collapse a steel beam-column assembly with beam hinged connection and fixed column support is carried out under...... on the beam. By means of those tables, a simple method for the assessment and the countermeasure of unsafe collapse mode of single-story steel buildings can be derived....

  18. Granular Silo collapse: an experimental study

    Science.gov (United States)

    Clement, Eric; Gutierriez, Gustavo; Boltenhagen, Philippe; Lanuza, Jose

    2008-03-01

    We present an experimental work that develop some basic insight into the pre-buckling behavior and the buckling transition toward plastic collapse of a granular silo. We study different patterns of deformation generated on thin paper cylindrical shells during granular discharge. We study the collapse threshold for different bed height, flow rates and grain sizes. We compare the patterns that appear during the discharge of spherical beads, with those obtained in the axially compressed cylindrical shells. When the height of the granular column is close to the collapse threshold, we describe a ladder like pattern that rises around the cylinder surface in a spiral path of diamond shaped localizations, and develops into a plastic collapsing fold that grows around the collapsing silo.

  19. Why Customers Use or Do Not Use Internet Banking: A Case Study of a Community Bank

    Science.gov (United States)

    Beadnell, Stephen Allen

    2014-01-01

    The banking industry is being challenged by shareholders and consumers to provide its products in the most efficient manner, provide good customer service, and earn a fair profit. Although the infrastructure is in place to serve most customers through Internet banking, the number of customers using this channel is less than expected. The purpose…

  20. Tulsa Oklahoma Oktoberfest Tent Collapse Report

    Directory of Open Access Journals (Sweden)

    Kelly E. Deal

    2012-01-01

    Full Text Available Background. On October 17, 2007, a severe weather event collapsed two large tents and several smaller tents causing 23 injuries requiring evacuation to emergency departments in Tulsa, OK. Methods. This paper is a retrospective analysis of the regional health system’s response to this event. Data from the Tulsa Fire Department, The Emergency Medical Services Authority (EMSA, receiving hospitals and coordinating services were reviewed and analyzed. EMS patient care reports were reviewed and analyzed using triage designators assigned in the field, injury severity scores, and critical mortality. Results. EMT's and paramedics from Tulsa Fire Department and EMSA provided care at the scene under unified incident command. Of the 23 patients transported by EMS, four were hospitalized, one with critical spinal injury and one with critical head injury. One patient is still in ongoing rehabilitation. Discussion. Analysis of the 2007 Tulsa Oktoberfest mass casualty incident revealed rapid police/fire/EMS response despite challenges of operations at dark under severe weather conditions and the need to treat a significant number of injured victims. There were no fatalities. Of the patients transported by EMS, a minority sustained critical injuries, with most sustaining injuries amenable to discharge after emergency department care.

  1. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

    Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The

  2. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

    There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow

  3. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

    The banking literature documents various roles for banks in financial systems. Banks are both ‘liquidity providers’ and ‘information producers’. Banks are especially important for small and medium-size enterprises and represent these firms' principal source of external finance. Hence, the banks’

  4. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

    markdownabstract__Abstract__ What exactly are the rules banks are subject to, and are they fit for purpose? These are the two questions addressed in this book ‘Are EU banks safe?’ and its descriptive companion book ‘EU banking supervision’. The full rulebook on banks is difficult to find

  5. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

    Banking supervision must keep pace with technical innovations in the banking industry. The international Basel Committee on Banking Supervision currently is reviewing public comments on its proposed new method for judging whether a bank maintains enough capital to absorb unexpected losses. This Economic Commentary explains how existing standards became obsolete and describes the new plan.

  6. Collapse analysis of toroidal shell

    International Nuclear Information System (INIS)

    Pomares, R.J.

    1990-01-01

    This paper describes a study performed to determine the collapse characteristics of a toroidal shell using finite element method (FEM) analysis. The study also included free drop testing of a quarter scale prototype to verify the analytical results. The full sized toroidal shell has a 24-inch toroidal diameter with a 24-inch tubal diameter. The shell material is type 304 strainless steel. The toroidal shell is part of the GE Model 2000 transportation packaging, and acts as an energy absorbing device. The analyses performed were on a full sized and quarter scaled models. The finite element program used in all analyses was the LIBRA code. The analytical procedure used both the elasto-plastic and large displacement options within the code. The loading applied in the analyses corresponded to an impact of an infinite rigid plane oriented normal to the drop direction vector. The application of the loading continued incrementally until the work performed by the deforming structure equalled the kinetic energy developed in the free fall. The comparison of analysis and test results showed a good correlation

  7. Beliefs and accountability in an Islamic bank

    Directory of Open Access Journals (Sweden)

    Ahmadasri Alaudin

    2015-05-01

    Full Text Available An Islamic bank in Malaysia (Malpha positions itself on being Islamic. The products and services are more expensive while employees are paid less than normal commercial banks. What bonds customers and employees to the bank are symbols of Islam: aqad (oral agreement between the bank and a customer, doa’ (supplication, a prayer, the tazkirah (short religious talks at the morning meeting and zakat (or almsgiving. Bank Malpha uses aqad (oral agreement between the bank and a customer and Doa (supplication, a prayer to form the basis of belief systems that influence the relationship with a customer. With regard to intermediaries, reciprocity (a form of trust underpins the relationship between the bank and its intermediaries (housing developers and lawyers for example. This bonding is reinforced by a boundary system: the shariah committee. The shariah committee assesses the shariah (lawful according Islam compliance and also engages with employees regarding shariah issues. This promotes learning through words and dialogue. However there is little documentation on customer recovery. If indeed non-performing loans are a key performance indicator for this Islamic bank, the challenge for this Islamic bank is to identify key processes to manage customer recovery.

  8. GenBank

    OpenAIRE

    Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.

    2002-01-01

    The GenBank sequence database incorporates publicly available DNA sequences of more than 105 000 different organisms, primarily through direct submission of sequence data from individual laboratories and large-scale sequencing projects. Most submissions are made using the BankIt (web) or Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Data exchange with the EMBL Data Library and the DNA Data Bank of Japan helps ensure comprehensive worldwide coverage. GenBank...

  9. Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri

    Directory of Open Access Journals (Sweden)

    Siti Aisjah

    2015-09-01

    Full Text Available The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness, and tazkiyah (sanctification. There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.

  10. Customer Satisfaction and Loyalty Among Internet Banking Users of Philippine National Bank in Batangas City

    Directory of Open Access Journals (Sweden)

    EDWARD KERVIN B. MOJARES

    2014-04-01

    Full Text Available One of the most vital challenges of the Internet as a service delivery channel is providing and maintaining service quality. This study aimed to describe the profile of the respondents with regards to socio-demographic and bank-related variables; to identify the effects of internet banking among its clients in Batangas City; to determine the level of customer’s satisfaction in terms of speed and accuracy, accessibility and convenience, and security features; to determine the respondents level of loyalty; to test the relationship between effects of internet banking service and customer satisfaction and loyalty variables; and lastly, to propose effective measures on how to enhance the quality of internet banking service offered by PNB in Batangas City. The descriptive-correlation method was utilized in the conduct of the study. The respondents of the study are the top 100 or 30% of the three hundred thirty four active users of internet banking service of Philippine National Bank in Batangas City during the period of October 2012 as generated by the bank’s system. The study revealed that the respondents are generally satisfied with the speed and accuracy, accessibility and convenience, and security features of the internet banking service facility. It was also found out that only speed and accuracy showed significant relationship on the effect of internet banking. Internet banking users are still considering the speed and accuracy of the banks service to make them satisfied despite that internet banking provides lower cost delivery channel, gives customers to almost any type of banking transactions and gives breadth and depth customer service. However, customers’ level of loyalty is not affected by the effects of internet banking services. This proves that as long as the customers are being provided with an excellent service, customer loyalty/retention could still be possibly attained by the bank

  11. The covariant entropy bound in gravitational collapse

    International Nuclear Information System (INIS)

    Gao, Sijie; Lemos, Jose P. S.

    2004-01-01

    We study the covariant entropy bound in the context of gravitational collapse. First, we discuss critically the heuristic arguments advanced by Bousso. Then we solve the problem through an exact model: a Tolman-Bondi dust shell collapsing into a Schwarzschild black hole. After the collapse, a new black hole with a larger mass is formed. The horizon, L, of the old black hole then terminates at the singularity. We show that the entropy crossing L does not exceed a quarter of the area of the old horizon. Therefore, the covariant entropy bound is satisfied in this process. (author)

  12. On the quantum corrected gravitational collapse

    International Nuclear Information System (INIS)

    Torres, Ramón; Fayos, Francesc

    2015-01-01

    Based on a previously found general class of quantum improved exact solutions composed of non-interacting (dust) particles, we model the gravitational collapse of stars. As the modeled star collapses a closed apparent 3-horizon is generated due to the consideration of quantum effects. The effect of the subsequent emission of Hawking radiation related to this horizon is taken into consideration. Our computations lead us to argue that a total evaporation could be reached. The inferred global picture of the spacetime corresponding to gravitational collapse is devoid of both event horizons and shell-focusing singularities. As a consequence, there is no information paradox and no need of firewalls

  13. On the quantum corrected gravitational collapse

    Directory of Open Access Journals (Sweden)

    Ramón Torres

    2015-07-01

    Full Text Available Based on a previously found general class of quantum improved exact solutions composed of non-interacting (dust particles, we model the gravitational collapse of stars. As the modeled star collapses a closed apparent 3-horizon is generated due to the consideration of quantum effects. The effect of the subsequent emission of Hawking radiation related to this horizon is taken into consideration. Our computations lead us to argue that a total evaporation could be reached. The inferred global picture of the spacetime corresponding to gravitational collapse is devoid of both event horizons and shell-focusing singularities. As a consequence, there is no information paradox and no need of firewalls.

  14. On the quantum corrected gravitational collapse

    Science.gov (United States)

    Torres, Ramón; Fayos, Francesc

    2015-07-01

    Based on a previously found general class of quantum improved exact solutions composed of non-interacting (dust) particles, we model the gravitational collapse of stars. As the modeled star collapses a closed apparent 3-horizon is generated due to the consideration of quantum effects. The effect of the subsequent emission of Hawking radiation related to this horizon is taken into consideration. Our computations lead us to argue that a total evaporation could be reached. The inferred global picture of the spacetime corresponding to gravitational collapse is devoid of both event horizons and shell-focusing singularities. As a consequence, there is no information paradox and no need of firewalls.

  15. Galileon radiation from a spherical collapsing shell

    Energy Technology Data Exchange (ETDEWEB)

    Martín-García, Javier [Instituto de Física Teórica UAM/CSIC,C/ Nicolás Cabrera 15, E-28049 Madrid (Spain); Vázquez-Mozo, Miguel Á. [Instituto Universitario de Física Fundamental y Matemáticas (IUFFyM),Universidad de Salamanca, Plaza de la Merced s/n, E-37008 Salamanca (Spain)

    2017-01-17

    Galileon radiation in the collapse of a thin spherical shell of matter is analyzed. In the framework of a cubic Galileon theory, we compute the field profile produced at large distances by a short collapse, finding that the radiated field has two peaks traveling ahead of light fronts. The total energy radiated during the collapse follows a power law scaling with the shell’s physical width and results from two competing effects: a Vainshtein suppression of the emission and an enhancement due to the thinness of the shell.

  16. Banking Strategy Demography - Future Population Trend: Implication for Banking

    OpenAIRE

    Teo, Lee Koon; Tripathi, Sanjay; Kazi, Zaid

    2010-01-01

    The world is going through a major shift in demographic structure that will affect the economies and global markets in a major way over the next few decades. While extensive research has been done on the macro-economic implications of demographic changes, very little research has been conducted on the demographic challenges at an industry level or for firms and on how these firms should react. The banking sector, in particular has received little attention. The project is initiated by the Glo...

  17. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

    Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371

  18. Bank, Banking System, Macroprudential Supervision, Stability of Banking System

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

    Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid

  19. Gravitational collapse and the vacuum energy

    International Nuclear Information System (INIS)

    Campos, M

    2014-01-01

    To explain the accelerated expansion of the universe, models with interacting dark components (dark energy and dark matter) have been considered recently in the literature. Generally, the dark energy component is physically interpreted as the vacuum energy of the all fields that fill the universe. As the other side of the same coin, the influence of the vacuum energy on the gravitational collapse is of great interest. We study such collapse adopting different parameterizations for the evolution of the vacuum energy. We discuss the homogeneous collapsing star fluid, that interacts with a vacuum energy component, using the stiff matter case as example. We conclude this work with a discussion of the Cahill-McVittie mass for the collapsed object.

  20. Tetanus with multiple wedge vertebral collapses

    African Journals Online (AJOL)

    owner

    2012-07-06

    Jul 6, 2012 ... associated with traumatic injury, often a penetrating wound inflicted by dirty ... multiple vertebral collapses and the management chal- .... back pains and swelling as in our patient.9 There are usually no ... The cervical and.

  1. The collapse of interstellar gas clouds

    International Nuclear Information System (INIS)

    McNally, D.; Settle, J.J.

    1980-01-01

    The stability of spherically symmetric free-fall collapse to small radial perturbations is examined for non-uniform clouds. It is concluded that fragmentation of the central region of a collapsing gas cloud is possible if: (a) the density distribution is sufficiently smooth; and (b) the collapse is nearly free fall. Generally, perturbations enjoy only finite amplification during the collapse, and the amplification tends to decrease with increasing distance from the centre of the cloud. Unlimited amplification occurs only for uniform density clouds. Fragmentation is therefore unlikely to result from dynamical instability in the outer parts of a non-uniform cloud. Isothermal clouds are also briefly considered and, while it is argued that an earlier suggestion of their instability to fragmentation is unfounded, no general conclusion on the instability of such clouds could be drawn. (author)

  2. Lung lobe collapse: pathophysiology and radiologic significance

    International Nuclear Information System (INIS)

    Lord, P.F.; Gomez, J.A.

    1985-01-01

    The radiographic changes caused by collapse of lung lobes in pulmonary disease, pneumothorax, and pleural effusion depend on the lobar recoiling force and local pleural pressure. Differences in the tendency of normal lung lobes or regions to collapse depend on the relative surface-to-volume ratio, determined by shape and size of the region or lobe. This ratio affects the physiologic parameters of pulmonary interdependence, compliance, and collateral air flow. Pulmonary surfactant increases compliance, particularly at low volumes, maintains alveolar stability, and assists in maintaining capillary patency and preventing pulmonary edema. Its loss due to lung injury increases collapsing forces. In the presence of pneumothorax or pleural effusion, diseases that cause lobar collapse produce localized air or fluid entrapment that is a diagnostic sign of the presence of the underlying pulmonary disease

  3. Cooperation, cheating, and collapse in biological populations

    Science.gov (United States)

    Gore, Jeff

    2014-03-01

    Natural populations can collapse suddenly in response to small changes in environmental conditions, and recovery from such a collapse can be difficult. We have used laboratory microbial ecosystems to directly measure theoretically proposed early warning signals of impending population collapse. Yeast cooperatively break down the sugar sucrose, meaning that below a critical size the population cannot sustain itself. We have demonstrated experimentally that changes in the fluctuations of the population size can serve as an early warning signal that the population is close to collapse. The cooperative nature of yeast growth on sucrose suggests that the population may be susceptible to ``cheater'' cells, which do not contribute to the public good and instead merely take advantage of the cooperative cells. We confirm this possibility experimentally and find that such social parasitism decreases the resilience of the population.

  4. Simple Analytic Models of Gravitational Collapse

    Energy Technology Data Exchange (ETDEWEB)

    Adler, R.

    2005-02-09

    Most general relativity textbooks devote considerable space to the simplest example of a black hole containing a singularity, the Schwarzschild geometry. However only a few discuss the dynamical process of gravitational collapse, by which black holes and singularities form. We present here two types of analytic models for this process, which we believe are the simplest available; the first involves collapsing spherical shells of light, analyzed mainly in Eddington-Finkelstein coordinates; the second involves collapsing spheres filled with a perfect fluid, analyzed mainly in Painleve-Gullstrand coordinates. Our main goal is pedagogical simplicity and algebraic completeness, but we also present some results that we believe are new, such as the collapse of a light shell in Kruskal-Szekeres coordinates.

  5. Collapsed Lung: MedlinePlus Health Topic

    Science.gov (United States)

    ... Spanish Pneumothorax - infants (Medical Encyclopedia) Also in Spanish Topic Image MedlinePlus Email Updates Get Collapsed Lung updates ... Lung surgery Pneumothorax - slideshow Pneumothorax - infants Related Health Topics Chest Injuries and Disorders Lung Diseases Pleural Disorders ...

  6. Creep collapse of TAPS fuel cladding

    International Nuclear Information System (INIS)

    Chaudhry, S.M.; Anand, A.K.

    1975-01-01

    Densification of UO 2 can cause axial gaps between fuel pelets and cladding in unsupported (internally) at these regions. An analysis is carried out regarding the possibility of creep collapse in these regions. The analysis is based on Timoshenko's theory of collapse. At various times during the residence of fuel in reactor following parameters are calculated : (1) inelastic collapse of perfectly circular tubes (2) plastic instability in oval tubes (3) effect of creep on ovality. Creep is considered to be a non-linear combination of the following : (a) thermal creep (b) intresenic creep (c) stress aided radiation enhanced (d) stress free growth (4) Critical pressure ratio. The results obtained are compared with G.E. predictions. The results do not predict collapse of TAPS fuel cladding for five year residence time. (author)

  7. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

    Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking.  The practice of “mark-up” in project funded by syariah bank seems to be very difficult.

  8. Four tails problems for dynamical collapse theories

    Science.gov (United States)

    McQueen, Kelvin J.

    2015-02-01

    The primary quantum mechanical equation of motion entails that measurements typically do not have determinate outcomes, but result in superpositions of all possible outcomes. Dynamical collapse theories (e.g. GRW) supplement this equation with a stochastic Gaussian collapse function, intended to collapse the superposition of outcomes into one outcome. But the Gaussian collapses are imperfect in a way that leaves the superpositions intact. This is the tails problem. There are several ways of making this problem more precise. But many authors dismiss the problem without considering the more severe formulations. Here I distinguish four distinct tails problems. The first (bare tails problem) and second (structured tails problem) exist in the literature. I argue that while the first is a pseudo-problem, the second has not been adequately addressed. The third (multiverse tails problem) reformulates the second to account for recently discovered dynamical consequences of collapse. Finally the fourth (tails problem dilemma) shows that solving the third by replacing the Gaussian with a non-Gaussian collapse function introduces new conflict with relativity theory.

  9. Nonlinear wave collapse and strong turbulence

    International Nuclear Information System (INIS)

    Robinson, P.A.

    1997-01-01

    The theory and applications of wave self-focusing, collapse, and strongly nonlinear wave turbulence are reviewed. In the last decade, the theory of these phenomena and experimental realizations have progressed rapidly. Various nonlinear wave systems are discussed, but the simplest case of collapse and strong turbulence of Langmuir waves in an unmagnetized plasma is primarily used in explaining the theory and illustrating the main ideas. First, an overview of the basic physics of linear waves and nonlinear wave-wave interactions is given from an introductory perspective. Wave-wave processes are then considered in more detail. Next, an introductory overview of the physics of wave collapse and strong turbulence is provided, followed by a more detailed theoretical treatment. Later sections cover numerical simulations of Langmuir collapse and strong turbulence and experimental applications to space, ionospheric, and laboratory plasmas, including laser-plasma and beam-plasma interactions. Generalizations to self-focusing, collapse, and strong turbulence of waves in other systems are also discussed, including nonlinear optics, solid-state systems, magnetized auroral and astrophysical plasmas, and deep-water waves. The review ends with a summary of the main ideas of wave collapse and strong-turbulence theory, a collection of open questions in the field, and a brief discussion of possible future research directions. copyright 1997 The American Physical Society

  10. Data Analysis Trumps Specialist Advice: How Direct Banks Function

    Directory of Open Access Journals (Sweden)

    Skiera Bernd

    2016-11-01

    Full Text Available Low interest rates and sluggish economic growth are not exactly ideal conditions for the financial services industry. Almost daily we are confronted with reports of inadequate capital bases, declining earnings, and layoffs at banks. But while many traditional retail banks are struggling with a business downturn, the direct bank market is enjoying steady and respectable growth despite a challenging environment. Dr. Schmidberger, Fully Authorized Representative at ING-DiBa Germany, offers us a glimpse behind the curtains of this direct bank. We will learn how data technology is used so that bank customers are (more satisfied.

  11. INDEPENDENT COMMISSIONER, INSTITUTIONAL OWNERSHIP AND FINANCIAL DISTRESS BANKS IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Isnalita Isnalita

    2013-11-01

    Full Text Available This research aim to determine the effect of independent commissioner and institutional ownershipto financial distress banks in Indonesia. The existence of the banking crisis occurred in 1997/1998resulted the collapse of public confidence in banking industry. In 2008, the scale, pattern, anda different scope, we face the reality that seems similar to the condition of the banks in the endof 1997. Financial distress experienced is not only caused by external factors stemming fromthe bank but also can be caused by internal factors. On the other hand, the financial distress inthe banking sector can be caused by governance are not good in running the bank’s operations.This study used a quantitative approach. The unit of analysis is the banks in Indonesia with dataobtained from directory of Bank Indonesia in 2008-2009. The research sampling techniques use saturated sampling or census. Research design use multiple logistic regression with the cross section. The result from this study indicated that independent commissioners and institutionalownership cannot prevent the financial distress in 2008 and 2009.

  12. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

    Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

  13. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

    This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

  14. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

    Inder Pal Singh S/o Roop singh*, Dr. Payal Bassi

    2017-01-01

    E- Banking is about using the infrastructure for digital age to create opportunities, both local & global. IT enables the dramatic lowering of transaction cost and the creation of new types of banking opportunities that address the barriers of time and distance. Banking opportunities are local, global and immediate in e-banking. Internet banking has many advantages over other traditional banking delivery methods. Internet banking provides banks with an increased customer base, cost savings, m...

  15. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  16. Green Bank Observatory (GBO)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...

  17. GenBank

    Data.gov (United States)

    U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

  18. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective....... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

  19. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

  20. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

    Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...

  1. GenBank

    OpenAIRE

    Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Wheeler, David L.

    2006-01-01

    GenBank (R) is a comprehensive database that contains publicly available nucleotide sequences for more than 240 000 named organisms, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Daily data exchange with the EMBL Data Library in Europe and the DNA Data Bank of Japan...

  2. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

    The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...

  3. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

    The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

  4. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

    Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

  5. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  6. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

    The NEA Data Bank provides the nuclear data and computer programs necessary for reactor design and other calculations over a wide range of nuclear energy applications. The role which the Data Bank plays in international cooperation efforts, and the procedures to follow to obtain data and programs from the Data Bank are described. (Auth.)

  7. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

  8. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  9. Banking in Africa

    NARCIS (Netherlands)

    Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.

    2014-01-01

    This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are

  10. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

    This review surveys the theoretical and empirical literature on the causes and consequences of banking crises, and summarizes the lessons learned from policy interventions to resolve banking crises. Despite their different origins, banking crises display similar patterns. Their causes lie in

  11. Banking and Trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2016-01-01

    We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

  12. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  13. A decision making framework for SOA adoption in e-banking: a case study approach

    OpenAIRE

    Basias, Nikolaus; Themistocleous, Marinos; Morabito, Vincenzo

    2015-01-01

    E-banking grows rapidly due to the numerous potential benefits associated with it and integration is one of the most important challenges for e-banking success. In addressing integration issues, SOA has emerged and adopted by many banks. Nevertheless, numerous banks fail to achieve successful SOA adoption for various reasons. One of the main reasons is attributed to the lack of a methodological framework that would (a) explain factors affecting SOA adoption in e-banking and (b) define the SOA...

  14. Current status of relativistic core collapse simulations

    Energy Technology Data Exchange (ETDEWEB)

    Font, Jose A [Departamento de Astronomia y Astrofisica, Universidad de Valencia, Dr. Moliner 50, 46100 Burjassot (Valencia) (Spain)

    2007-05-15

    With the first generation of ground-based gravitational wave laser interferometers already taking data, the availability of reliable waveform templates from astrophysical sources, which may help extract the signal from the anticipated noisy data, is urgently required. Gravitational stellar core collapse supernova has traditionally been considered among the most important astrophysical sources of potentially detectable gravitational radiation. Only very recently the first multidimensional simulations of relativistic rotational core collapse have been possible (albeit for models with simplified input physics), thanks to the use of conservative formulations of the hydrodynamics equations and advanced numerical methodology, as well as stable formulations of Einstein's equations. In this paper, the current status of relativistic core collapse simulations is discussed, with the emphasis given to the modelling of the collapse dynamics and to the computation of the gravitational radiation in the existing numerical approaches. Work employing the conformally-flat approximation (CFC) of the 3+1 Einstein's equations is reported, as well as extensions of this approximation (CFC+) and investigations within the framework of the so-called BSSN formulation of the 3+1 gravitational field equations (with no approximation for the spacetime dynamics). On the other hand, the incorporation of magnetic fields and the MHD equations in numerical codes to improve the realism of core collapse simulations in general relativity, is currently an emerging field where significant progress is bound to be soon achieved. The paper also contains a brief discussion of magneto-rotational simulations of core collapse, aiming at addressing the effects of magnetic fields on the collapse dynamics and on the gravitational waveforms.

  15. Current status of relativistic core collapse simulations

    International Nuclear Information System (INIS)

    Font, Jose A

    2007-01-01

    With the first generation of ground-based gravitational wave laser interferometers already taking data, the availability of reliable waveform templates from astrophysical sources, which may help extract the signal from the anticipated noisy data, is urgently required. Gravitational stellar core collapse supernova has traditionally been considered among the most important astrophysical sources of potentially detectable gravitational radiation. Only very recently the first multidimensional simulations of relativistic rotational core collapse have been possible (albeit for models with simplified input physics), thanks to the use of conservative formulations of the hydrodynamics equations and advanced numerical methodology, as well as stable formulations of Einstein's equations. In this paper, the current status of relativistic core collapse simulations is discussed, with the emphasis given to the modelling of the collapse dynamics and to the computation of the gravitational radiation in the existing numerical approaches. Work employing the conformally-flat approximation (CFC) of the 3+1 Einstein's equations is reported, as well as extensions of this approximation (CFC+) and investigations within the framework of the so-called BSSN formulation of the 3+1 gravitational field equations (with no approximation for the spacetime dynamics). On the other hand, the incorporation of magnetic fields and the MHD equations in numerical codes to improve the realism of core collapse simulations in general relativity, is currently an emerging field where significant progress is bound to be soon achieved. The paper also contains a brief discussion of magneto-rotational simulations of core collapse, aiming at addressing the effects of magnetic fields on the collapse dynamics and on the gravitational waveforms

  16. Scientific considerations for the design of a replacement for the 300-foot radio telescope; Proceedings of the Workshop, Green Bank, WV, Dec. 2, 3, 1988

    International Nuclear Information System (INIS)

    Brown, R.L.; Schwab, F.R.

    1989-01-01

    The replacement of the Green Bank radio telescope after its collapse in November 1988 is discussed. Sections are devoted to the scientific impact of the collapse; technical requirements for a replacement telescope; schedules and costs; observations of neutral atomic hydrogen; observations of pulsars, radio stars and the solar system; spectroscopic observations; and observations of continuum radiation. Diagrams, graphs, and maps are provided

  17. Timescales of isotropic and anisotropic cluster collapse

    Science.gov (United States)

    Bartelmann, M.; Ehlers, J.; Schneider, P.

    1993-12-01

    From a simple estimate for the formation time of galaxy clusters, Richstone et al. have recently concluded that the evidence for non-virialized structures in a large fraction of observed clusters points towards a high value for the cosmological density parameter Omega0. This conclusion was based on a study of the spherical collapse of density perturbations, assumed to follow a Gaussian probability distribution. In this paper, we extend their treatment in several respects: first, we argue that the collapse does not start from a comoving motion of the perturbation, but that the continuity equation requires an initial velocity perturbation directly related to the density perturbation. This requirement modifies the initial condition for the evolution equation and has the effect that the collapse proceeds faster than in the case where the initial velocity perturbation is set to zero; the timescale is reduced by a factor of up to approximately equal 0.5. Our results thus strengthens the conclusion of Richstone et al. for a high Omega0. In addition, we study the collapse of density fluctuations in the frame of the Zel'dovich approximation, using as starting condition the analytically known probability distribution of the eigenvalues of the deformation tensor, which depends only on the (Gaussian) width of the perturbation spectrum. Finally, we consider the anisotropic collapse of density perturbations dynamically, again with initial conditions drawn from the probability distribution of the deformation tensor. We find that in both cases of anisotropic collapse, in the Zel'dovich approximation and in the dynamical calculations, the resulting distribution of collapse times agrees remarkably well with the results from spherical collapse. We discuss this agreement and conclude that it is mainly due to the properties of the probability distribution for the eigenvalues of the Zel'dovich deformation tensor. Hence, the conclusions of Richstone et al. on the value of Omega0 can be

  18. Review of collapse triggering mechanism of collapsible soils due to wetting

    Directory of Open Access Journals (Sweden)

    Ping Li

    2016-04-01

    Full Text Available Loess soil deposits are widely distributed in arid and semi-arid regions and constitute about 10% of land area of the world. These soils typically have a loose honeycomb-type meta-stable structure that is susceptible to a large reduction in total volume or collapse upon wetting. Collapse characteristics contribute to various problems to infrastructures that are constructed on loess soils. For this reason, collapse triggering mechanism for loess soils has been of significant interest for researchers and practitioners all over the world. This paper aims at providing a state-of-the-art review on collapse mechanism with special reference to loess soil deposits. The collapse mechanism studies are summarized under three different categories, i.e. traditional approaches, microstructure approach, and soil mechanics-based approaches. The traditional and microstructure approaches for interpreting the collapse behavior are comprehensively summarized and critically reviewed based on the experimental results from the literature. The soil mechanics-based approaches proposed based on the experimental results of both compacted soils and natural loess soils are reviewed highlighting their strengths and limitations for estimating the collapse behavior. Simpler soil mechanics-based approaches with less parameters or parameters that are easy-to-determine from conventional tests are suggested for future research to better understand the collapse behavior of natural loess soils. Such studies would be more valuable for use in conventional geotechnical engineering practice applications.

  19. Dynamics of bubble collapse under vessel confinement in 2D hydrodynamic experiments

    Science.gov (United States)

    Shpuntova, Galina; Austin, Joanna

    2013-11-01

    One trauma mechanism in biomedical treatment techniques based on the application of cumulative pressure pulses generated either externally (as in shock-wave lithotripsy) or internally (by laser-induced plasma) is the collapse of voids. However, prediction of void-collapse driven tissue damage is a challenging problem, involving complex and dynamic thermomechanical processes in a heterogeneous material. We carry out a series of model experiments to investigate the hydrodynamic processes of voids collapsing under dynamic loading in configurations designed to model cavitation with vessel confinement. The baseline case of void collapse near a single interface is also examined. Thin sheets of tissue-surrogate polymer materials with varying acoustic impedance are used to create one or two parallel material interfaces near the void. Shadowgraph photography and two-color, single-frame particle image velocimetry quantify bubble collapse dynamics including jetting, interface dynamics and penetration, and the response of the surrounding material. Research supported by NSF Award #0954769, ``CAREER: Dynamics and damage of void collapse in biological materials under stress wave loading.''

  20. The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

    Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

  1. Brand building process of banking services

    Directory of Open Access Journals (Sweden)

    Filipović V.

    2006-01-01

    Full Text Available Changes related to competitive surroundings, legislation, and use of technology in banking business created new challenges for the managers in banking sector and emphasized the importance of brand building in the field of financial services. The need for financial institutions to manage its users in a way that provides them satisfaction, two-way communication and trust developing into loyalty was created. Regarding the research methodology, it is important to emphasize that the main discussion related to the purpose of research is to determine, improve, and better comprehend the main problems appearing in the process of brand building of banking services on the Belgrade market from the users standpoint. In order to realize the established purpose of the research, answers to the following research questions shall be provided: 1 Which problems in communication with the users are important for bank brand building?, 2 In what way do users see the image and personality of a bank? 3 In which way does brand of the origin of a bank influence the choice of users for the banking services? And 4 In which way the strategy of communication in the process of brand building of banking services can be improved? The quantitative approach to the research has been used. This study is based on the research procedure of surveys and data collection through a questionnaire, as an instrument in the research which was given to the adult citizens on the territory of the city of Belgrade. Statistic treatment of the data was conducted by using the SPSS software. The results are presented by using the combined techniques: in written form, in tables and graphs. So, the basic conclusions would be such as: after the marketing research on how banks carry on the processes of brand building was conducted, certain conclusions could be drawn from it: It is very important for a client to be involved in the process of brand building. By taking into consideration the criteria based on

  2. THE IMPACT OF FINANCIAL LIBERALIZATION ON ROMANIAN BANKING SYSTEM EFFICIENCY

    Directory of Open Access Journals (Sweden)

    Ciupac-Ulici Maria-Lenuta

    2013-07-01

    challenges to the Romanian banking system in future.

  3. Progressive Collapse of High-Rise Buildings from Fire

    Directory of Open Access Journals (Sweden)

    Pershakov Valerii

    2016-01-01

    Full Text Available Considers ensuring the stability of structures of high-rise buildings against progressive collapse due to fire, proposed measures to ensure the stability of high-rise buildings due to progressive collapse. The analysis of large fires in high-rise buildings with progressive collapse and review of the literature on the issue of progressive collapse. The analysis of the Ukrainian normative documents on progressive collapse resistance.

  4. REGULATION AND SUPERVISION OF BANKING ACTIVITY IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2015-04-01

    Full Text Available The main challenges currently faced by most central banks are generated by the effects of the economic and financial crisis. Thus, at the national, European and international level there is a trend of changing the economic governance structures and improving the regulatory and supervisory policies, focusing on macro-prudential oversight. In the context of changes at the European Union level, the central banks of the Member States become also subject to changes in their carried out actions. The objectives of this research aim mainly at: highlighting the role of the National Bank of Romania in regulating and supervising the banking system in Romania and analyzing the measures implemented by the National Bank of Romania after the crisis so far; identifying the challenges of the National Bank of Romania on the basis of changes operated by European Union at the supervisory framework level.

  5. E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria

    Directory of Open Access Journals (Sweden)

    Haadi Babatunde Asiyanbi

    2018-09-01

    Full Text Available This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100 bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%, internet banking (85%, electronic transfer (97%. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

  6. DNN Filter Bank Cepstral Coefficients for Spoofing Detection

    DEFF Research Database (Denmark)

    Yu, Hong; Tan, Zheng-Hua; Zhang, Yiming

    2017-01-01

    With the development of speech synthesis techniques, automatic speaker verification systems face the serious challenge of spoofing attack. In order to improve the reliability of speaker verification systems, we develop a new filter bank-based cepstral feature, deep neural network (DNN) filter bank...... cepstral coefficients, to distinguish between natural and spoofed speech. The DNN filter bank is automatically generated by training a filter bank neural network (FBNN) using natural and synthetic speech. By adding restrictions on the training rules, the learned weight matrix of FBNN is band limited...... and sorted by frequency, similar to the normal filter bank. Unlike the manually designed filter bank, the learned filter bank has different filter shapes in different channels, which can capture the differences between natural and synthetic speech more effectively. The experimental results on the ASVspoof...

  7. GLOBALIZATION AND ITS EFFECTS ON THE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Drăgan (Sântămărian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the present: globalization and its effects on the banking. Globalization is now increasingly recognized as central to the growth of market economies. For the banking sector, this represents both a demand as well as a new landscape of business opportunity.Several years ago, the main part of the banks did not consider the globalization problems relevant for their operations. Recently, the banks began to realize the major impact of the globalization over the way of creating the banking risk in the future. The banking management in the context of globalization represents one of the challengesof these days. Starting from literature in the globalization field in this paper focuses on several relevant issues related to banking management.

  8. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

    Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.

  9. Inflationary gravitational waves in collapse scheme models

    Energy Technology Data Exchange (ETDEWEB)

    Mariani, Mauro, E-mail: mariani@carina.fcaglp.unlp.edu.ar [Facultad de Ciencias Astronómicas y Geofísicas, Universidad Nacional de La Plata, Paseo del Bosque S/N, 1900 La Plata (Argentina); Bengochea, Gabriel R., E-mail: gabriel@iafe.uba.ar [Instituto de Astronomía y Física del Espacio (IAFE), UBA-CONICET, CC 67, Suc. 28, 1428 Buenos Aires (Argentina); León, Gabriel, E-mail: gleon@df.uba.ar [Departamento de Física, Facultad de Ciencias Exactas y Naturales, Universidad de Buenos Aires, Ciudad Universitaria – Pab. I, 1428 Buenos Aires (Argentina)

    2016-01-10

    The inflationary paradigm is an important cornerstone of the concordance cosmological model. However, standard inflation cannot fully address the transition from an early homogeneous and isotropic stage, to another one lacking such symmetries corresponding to our present universe. In previous works, a self-induced collapse of the wave function has been suggested as the missing ingredient of inflation. Most of the analysis regarding the collapse hypothesis has been solely focused on the characteristics of the spectrum associated to scalar perturbations, and within a semiclassical gravity framework. In this Letter, working in terms of a joint metric-matter quantization for inflation, we calculate, for the first time, the tensor power spectrum and the tensor-to-scalar ratio corresponding to the amplitude of primordial gravitational waves resulting from considering a generic self-induced collapse.

  10. Noncrossing timelike singularities of irrotational dust collapse

    International Nuclear Information System (INIS)

    Liang, E.P.T.

    1979-01-01

    Known naked singularities in spherical dust collapse are either due to shell-crossing or localized to the central world line. They will probably be destroyed by pressure gradients or blue-shift instabilities. To violate the cosmic censorship hypothesis in a more convincing and general context, collapse solutions with naked singularities that are at least nonshell-crossing and nonlocalized need to be constructed. Some results concerning the probable structure of a class of nonshellcrossing and nonlocalized timelike singularities are reviewed. The cylindrical dust model is considered but this model is not asymptotically flat. To make these noncrossing singularities viable counter examples to the cosmic censorship hypothesis, the occurrence of such singularities in asymptotically flat collapse needs to be demonstrated. (UK)

  11. Did mud contribute to freeway collapse?

    Science.gov (United States)

    Hough, Susan E.; Friberg, Paul A.; Busby, Robert; Field, Edward F.; Jacob, Klaus H.; Borcherdt, Roger D.

    At least 41 people were killed October 17 when the upper tier of the Nimitz Freeway in Oakland, Calif., collapsed during the Ms = 7.1 Loma Prieta earthquake. Seismologists studying aftershocks concluded that soil conditions and resulting ground motion amplification were important in the failure of the structure and should be considered in the reconstruction of the highway.Structural design weaknesses in the two-tiered freeway, known as the Cypress structure, had been identified before the tragedy. The seismologists, from Lamont Doherty Geological Observatory in Palisades, N.Y., and the U.S. Geological Survey in Menlo Park, Calif., found that the collapsed section was built on fill over Bay mud. A southern section of the Cypress structure built on alluvium of Quaternary age did not collapse (see Figure 1).

  12. Bank Lending and Property Prices in Hong Kong

    OpenAIRE

    Gerlach, Stefan; Peng, Wensheng

    2004-01-01

    This paper studies the relationship between residential property prices and lending in Hong Kong. This is an interesting topic for three reasons. First, swings in property prices have been extremely large and frequent in Hong Kong. Second, under the currency board regime, monetary policy can not be used to guard against asset price swings. Third, despite the collapse in property prices since 1998, the banking sector remains sound. While the contemporaneous correlation between lending and prop...

  13. Impact of E-Banking on Traditional Banking Services

    OpenAIRE

    Vyas, Shilpan Dineshkumar

    2012-01-01

    Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to...

  14. Central bank capital, financial strength, and the Bank of Japan

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

    This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

  15. Sonographic Analysis of the Collapsed Gall Bladder

    International Nuclear Information System (INIS)

    Han, Sang Suk; Choi, Jae Young; Choi, Seok Jin; Eun, Chung Ki; Nam, Kyung Jin; Lee, Jeong Mi

    1996-01-01

    This study was done to find answers for further following questions in cases of the collapsed gallbladder (GB) : What is the probability of the presence of stone when stony echo is visible in GB area? What is the probability of the presence of stone when only acoustic shadow is visible from GB area? What are the associated GB pathologies except stone or cholecystitis in previously mentioned situations and is it possible to differentiate them? What are the underlying pathologies of GB collapse without stony echo or acoustic shadow and is it possible to differentiate them sonographic ally? What are the rate and causes of re-expansion of the collapsed GB on follow-up study? Prospective study was done in 157 cases of collapsed GB with no visible or nearly no visible bile filled lumen in recent 3 years. Sonographic analysis for GB lesions was done in 61 confirmed cases. Changing pattern of GB lumen on follow-up study and their underlying pathologies were analyzed in 28 cases. Initial sonographic examination was done with 3 or 3.5 MHz transducer. No other transducer was used in cases showing stony echo or acoustic shadow in GB area, but additional examination was done with 5 or 7-4 MHz transducer in cases without stony echo or acoustic shadow. Among 31 cases, which showed stony echo, stone was found in 30 cases and milk of calcium bile in one case. Stone was present in all of the 11 cases which showed only acoustic shadow from the collapsed GB without stony echo. GB cancer was accompanied in 2 cases among upper 42 cases, and its possibility could be suspected sonographic ally. Underlying pathologies of the 19cases without stony echo or acoustic shadow were as follows : GB stone (3), cholecystitis (6), GB cancer (1), bile plug syndrome (1), hepatitis (5), and ascites (3). And sonographic differentiation of the underlying causes for the collapse was possible in only 1 case of GB cancer. Among 28 cases of the follow-up study, 20 cases showed re-expansion of the GB lumen and

  16. Relativistic collapse using Regge calculus: Pt. 1

    International Nuclear Information System (INIS)

    Dubal, M.R.; Leicester Univ.

    1989-01-01

    Regge calculus is used to simulate the dynamical collapse of model stars. In this paper we describe the general methodology of including a perfect fluid in dynamical Regge calculus spacetimes. The Regge-Einstein equations for spherical collapse are obtained and are then specialised to mimic a particular continuum gauge. The equivalent continuum problem is also set up. This is to be solved using standard numerical techniques (i.e. the method of finite difference). A subsequent paper will consider the solution of the equations presented here and will use the continuum problem for comparison purposes in order to check the Regge calculus results. (author)

  17. Collapse and equilibrium of rotating, adiabatic clouds

    International Nuclear Information System (INIS)

    Boss, A.P.

    1980-01-01

    A numerical hydrodynamics computer code has been used to follow the collapse and establishment of equilibrium of adiabatic gas clouds restricted to axial symmetry. The clouds are initially uniform in density and rotation, with adiabatic exponents γ=5/3 and 7/5. The numerical technique allows, for the first time, a direct comparison to be made between the dynamic collapse and approach to equilibrium of unconstrained clouds on the one hand, and the results for incompressible, uniformly rotating equilibrium clouds, and the equilibrium structures of differentially rotating polytropes, on the other hand

  18. Static axisymmetric discs and gravitational collapse

    Energy Technology Data Exchange (ETDEWEB)

    Chamorro, A.; Gregory, R.; Stewart, J.M.

    1987-09-08

    Regular static axisymmetric vacuum solutions of Einstein's field equations representing the exterior field of a finite thin disc are found. These are used to describe the slow collapse of a disc-like object. If no conditions are placed on the matter, a naked singularity is formed and the cosmic censorship hypothesis would be violated. Imposition of the weak energy condition, however, prevents slow collapse to a singularity and preserves the validity of this hypothesis. The validity of the hoop conjecture is also discussed.

  19. THE EVOLVING COMPETITIVE DYNAMICS IN THE RETAIL BANKING SECTOR IN INDIA: A CASE STUDY OF KARNATAKA BANK

    Directory of Open Access Journals (Sweden)

    Krishnakumar RAMANATHAN

    2016-08-01

    Full Text Available The banking industry in India is going through a unique competitive situation: on the one hand, the proliferation of new banks has increased competition multi-fold; on the other hand, given the rigid regulatory environment, banks have very little liberty to innovate products. The entry of multinational banking giants with superior service operations has further amplified the competition for customers. This paper examines the business performance of Karnataka bank during the period between 2006 and 2014 in order to bring home some of these challenges. Based on feedback from the branch managers, savings and current accounts - two classic banking products – suffered the most in the onslaught. Practicing managers as well as customers that we interviewed held that banking services in terms of customer experience ought to be improved and that various value added services could be introduced. Customers also expected reduced penalty for minimum balance and enhanced insurance cover for their accounts.

  20. Tetanus with multiple wedge vertebral collapses: A case report in a ...

    African Journals Online (AJOL)

    Data from the case records dary School Class two girl managed at the Department of Paediatrics of the University of Port Harcourt Teaching Hospital were extracted for presentation to highlight vertebral collapse as an uncommon complication of paediatric tetanus and the associated management challenges. The girl ...

  1. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

    Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

  2. Ionisation induced collapse of minihaloes

    Science.gov (United States)

    Back, Trevor

    2013-08-01

    In order to analyse the turbine blade life, the damage due to the combined thermal and mechanical loads should be adequately accounted for. This is more challenging when detailed component geometry is limited. Therefore, a compromise between the level of geometric detail and the complexity of the lifing method to be implemented would be necessary. This research focuses on how the life assessment of aero engine turbine blades can be done, considering the balance between available design inputs and adequate level of fidelity. Accordingly, the thesis contributes to developing a generic turbine blade lifing method that is based on the engine thermodynamic cycle; as well as integrating critical design/technological factors and operational parameters that influence the aero engine blade life. To this end, thermo-mechanical fatigue was identified as the critical damage phenomenon driving the life of the turbine blade.. The developed approach integrates software tools and numerical models created using the minimum design information typically available at the early design stages. Using finite element analysis of an idealised blade geometry, the approach captures relevant impacts of thermal gradients and thermal stresses that contribute to the thermo-mechanical fatigue damage on the gas turbine blade. The blade life is evaluated using the Neu/Sehitoglu thermo-mechanical fatigue model that considers damage accumulation due to fatigue, oxidation, and creep. The leading edge is examined as a critical part of the blade to estimate the damage severity for different design factors and operational parameters. The outputs of the research can be used to better understand how the environment and the operating conditions of the aircraft affect the blade life consumption and therefore what is the impact on the maintenance cost and the availability of the propulsion system. This research also finds that the environmental (oxidation) effect drives the blade life and the blade coolant

  3. State-of-the-Art-Review of Collapsible Soils

    Directory of Open Access Journals (Sweden)

    A. A. AL-Rawas

    2000-12-01

    Full Text Available Collapsible soils are encountered in arid and semi-arid regions. Such soils cause potential construction problems due to their collapse upon wetting. The collapse phenomenon is primarily related to the open structure of the soil. Several soil collapse classifications based on parameters such as moisture content, dry density, Atterberg limits and clay content have been proposed in the literature as indicators of the soil collapse potential. Direct measurement of the magnitude of collapse, using laboratory and/or field tests, is essential once a soil showed indications of collapse potential. Treatment methods such as soil replacement, compaction control and chemical stabilization showed significant reduction in the settlement of collapsible soils. The design of foundations on collapsible soils depends on the depth of the soil, magnitude of collapse and economics of the design. Strip foundations are commonly used when collapsing soil extends to a shallow depth while piles and drilled piers are recommended in cases where the soil extends to several meters. This paper provides a comprehensive review of collapsible soils. These include the different types of collapsible soils, mechanisms of collapse, identification and classification methods, laboratory and field testing, treatment methods and guidelines for foundation design.

  4. Banking Services and Customer Perception in Some Selected Commercial Banks in Bangladesh: a Comparative Perspective

    OpenAIRE

    Mahi Uddin, Md; Khan, Mohammad Aktaruzzaman; Farhana, Nadia

    2014-01-01

    The banking system is facing challenges with stiff competition and advancement of technology. It becomes imperative for service providers to meet or exceed the target customers' satisfaction with quality of services expected by them. Hence, the present study attempted to study customers' perception of quality of services (both transactions-based and IT-enabled) in terms of its constituent factors and IT adoption in public, private, and foreign commercial banks in this E-age. The present inves...

  5. Nonlinear Progressive Collapse Analysis Including Distributed Plasticity

    Directory of Open Access Journals (Sweden)

    Mohamed Osama Ahmed

    2016-01-01

    Full Text Available This paper demonstrates the effect of incorporating distributed plasticity in nonlinear analytical models used to assess the potential for progressive collapse of steel framed regular building structures. Emphasis on this paper is on the deformation response under the notionally removed column, in a typical Alternate Path (AP method. The AP method employed in this paper is based on the provisions of the Unified Facilities Criteria – Design of Buildings to Resist Progressive Collapse, developed and updated by the U.S. Department of Defense [1]. The AP method is often used for to assess the potential for progressive collapse of building structures that fall under Occupancy Category III or IV. A case study steel building is used to examine the effect of incorporating distributed plasticity, where moment frames were used on perimeter as well as the interior of the three dimensional structural system. It is concluded that the use of moment resisting frames within the structural system will enhance resistance to progressive collapse through ductile deformation response and that it is conserative to ignore the effects of distributed plasticity in determining peak displacement response under the notionally removed column.

  6. General relativistic collapse of rotating stars

    International Nuclear Information System (INIS)

    Nakamura, T.

    1984-01-01

    When a rotating star begins to collapse, the gravity becomes so strong that there appears a region from which even a photon cannot escape. After the distortion of space-time is radiated as gravitational waves, a Kerr black hole is formed finally. One of the main goals for numerical relativity is to simulate the collapse of a rotating star under realistic conditions. However, to know both the dynamics of matter and the propagation of gravitational radiation seems to be very difficult. Therefore, in this paper the problem is divided into 4 stages. They are: (1) The time evolution of pure gravitational waves is calculated in a 2-D code. (2) In this stage, the author tries to understand the dynamics of a collapsing, rotating star in 2D code. (3) Combining the techniques from stages 1, 2, the author tries to know both the dynamics of matter and the propagation of gravitational waves generated by the nonspherical motion of matter. (4) The author simulates the gravitational collapse of a rotating star to a black hole in 3D. 25 references, 12 figures, 1 table

  7. Langmuir field structures favored in wave collapse

    International Nuclear Information System (INIS)

    Robinson, P.A.; Wouters, M.J.; Broderick, N.G.

    1996-01-01

    Study of Langmuir collapse thresholds shows that they have little polarization dependence and that moving packets have the lowest thresholds in the undamped case. However, incorporation of damping into the density response inhibits collapse of packets moving at more than a small fraction of the sound speed. Investigation of energy transfer to packets localized in density wells emdash the nucleation process emdash shows that at most a few trapped states can exist and that energy transfer is most effective when there is a single barely-trapped state. Coupled with an argument that closely packed wave packets have lower collapse thresholds, this argument yields an estimate of the number density of localized nucleating states in a turbulent plasma. It also leads to a simple and direct semiquantitative estimate of the collapse threshold. All these results are in accord with previous numerical simulations incorporating ion-sound damping, which show a preponderance of slow-moving or stationary packets with little or no intrinsic polarization dependence of thresholds. Likewise, the number densities obtained are in good agreement with simulation values, and the simple estimate of the threshold is semiquantitatively correct. The extent of the agreement supports the nucleation scenario with close-packed nucleation sites in the turbulent state. copyright 1996 American Institute of Physics

  8. Identification and behavior of collapsible soils.

    Science.gov (United States)

    2011-01-01

    Loess is a soil that can exhibit large deformations upon wetting. Cases of wetting induced collapse in loess have : been documented for natural deposits and man-made fills. These issues are of concern to the Indiana DOT due to the growth : of the sta...

  9. The collapse of turbulence in the evening

    NARCIS (Netherlands)

    Wiel, van de B.J.H.; Moene, A.F.; Jonker, H.J.J.; Baas, P.; Basu, S.; Sun, J.; Holtslag, A.A.M.

    2012-01-01

    A common experience in everyday weather is the fact that near-surface wind speeds tend to weaken in the evening, particularly in fair weather conditions. This cessation of wind usually coincides with the collapse of turbulence which leads to a quiet flow near the ground. As the absence of turbulent

  10. Collapsible structure for an antenna reflector

    Science.gov (United States)

    Trubert, M. R. (Inventor)

    1973-01-01

    A collapsible support for an antenna reflector for use in supporting spacecraft antennas is described. The support has a regid base and a number of struts which are pivoted at the base. The deployment of the struts and their final configuration for supporting the antenna are illustrated.

  11. Hydrogen-Poor Core-Collapse Supernovae

    Science.gov (United States)

    Pian, Elena; Mazzali, Paolo A.

    Hydrogen-poor core-collapse supernovae (SNe) signal the explosive death of stars more massive than the progenitors of hydrogen-rich core-collapse supernovae, i.e., approximately in the range 15-50 M⊙ in main sequence. Since hydrogen-poor core-collapse supernovae include those that accompany gamma-ray bursts (GRBs), which were all rigorously identified with type Ic supernovae, their explosion energies cover almost two decades. The light curves and spectra are consequently very heterogeneous and often bear the signature of an asymmetric, i.e., aspherical, explosion. Asphericity is best traced by early-time (within days of the explosion) optical spectropolarimetry and by late-epoch (more than ˜ 100 days after explosion) low-resolution spectroscopy. While the relationship between hydrogen-poor core-collapse supernovae to hydrogen-poor super-luminous supernovae is not understood, a known case of association between an ultra-long gamma-ray burst and a very luminous hydrogen-poor supernova may help unraveling the connection. This is tantalizingly pointing to a magnetar powering source for both phenomena, although this scenario is still highly speculative. Host galaxies of hydrogen-poor supernovae are always star forming; in those of completely stripped supernovae and gamma-ray burst supernovae, the spatial distribution of the explosions follows the blue/ultraviolet light, with a correlation that is more than linear.

  12. Gravitational collapse with decaying vacuum energy

    Indian Academy of Sciences (India)

    Abstract. The effect of dark energy on the end state of spherical radiation collapse is considered within the context of the cosmic censorship hypothesis. It is found that it is possible to have both black holes as well as naked singularities.

  13. Schuster's law, black holes and gravitational collapse

    International Nuclear Information System (INIS)

    Massa, C.

    1988-01-01

    Consequences of the application of Schuster's law to black holes are investigated. It is shown that Schuster's law can reduce the intrinsic angular momentum of a collapsing body. The possibility is supposed that Schuster's law provides the general mechanism required by the cosmic censorship hypothesis which is taken seriously as a fundamental law of nature

  14. A spherical collapse solution with neutrino outflow

    International Nuclear Information System (INIS)

    Glass, E.N.

    1990-01-01

    A three-parameter family of solutions of Einstein's field equations is given that represents a collapsing perfect fluid with outgoing neutrino flux. Solutions with ''naked'' singularities are exhibited. They can be forbidden by requiring pressure less than or equal to the density as a condition of cosmic censorship

  15. Gravitational wave generation by stellar core collapse

    International Nuclear Information System (INIS)

    Moore, T.A.

    1981-01-01

    Stars which have masses greater than 5 to 8 solar masses are thought to undergo a stage of catastrophic core collapse and subsequent supernova explosion at the end of their lives. If the core is not spherically symmetric, the bounce which halts its collapse at transnuclear densities will generate a pulse of gravitational waves. This thesis presents a fully relativistic model of core collapse which treats deviations from spherical symmetry as small perturbations on a spherical background. This model may be used to predict qualitative and quantitative features of the gravitational radiation emitted by stellar cores with odd-parity, axisymmetric fluid perturbations, and represents a first step in the application of perturbative methods to more general asymmetries. The first chapter reviews the present consensus on the physics of core collapse and outlines the important features, assumptions, and limitations of the model. A series of model runs are presented and discussed. Finally, several proposals for future research are presented. Subsequent chapters explore in detail the mathematical features of the present model and its realization on the computer

  16. The heterogeneity of world trade collapses

    NARCIS (Netherlands)

    P.A.G. van Bergeijk (Peter)

    2015-01-01

    textabstractThis paper analyses drivers of imports during the major world trade collapses of the Great Depression (1930s; 34 countries) and the Great Recession (1930s; 173 countries). The analysis deals with the first year of these episodes and develops a small empirical model that shows a

  17. Discrete Nonlinear Schrödinger Equation and Polygonal Solitons with Applications to Collapsed Proteins

    Science.gov (United States)

    Molkenthin, Nora; Hu, Shuangwei; Niemi, Antti J.

    2011-02-01

    We introduce a novel generalization of the discrete nonlinear Schrödinger equation. It supports solitons that we utilize to model chiral polymers in the collapsed phase and, in particular, proteins in their native state. As an example we consider the villin headpiece HP35, an archetypal protein for testing both experimental and theoretical approaches to protein folding. We use its backbone as a template to explicitly construct a two-soliton configuration. Each of the two solitons describe well over 7.000 supersecondary structures of folded proteins in the Protein Data Bank with sub-angstrom accuracy suggesting that these solitons are common in nature.

  18. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

    In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)

  19. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  20. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

    Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

  1. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

    There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.

  2. Digital Banking 2025

    OpenAIRE

    Gasser, Urs; Gassmann, Oliver; Hens, Thorsten; Leifer, Larry; Puschmann, Thomas; Zhao, Leon

    2017-01-01

    As time-to-market for digital banking products becomes shorter and shorter, thousands of Financial Technology (FinTech) startups and other non-banks are rising to the occasion by developing new products, services, and business models for all areas of banking in payments,investments, and financing along the entire value chain, touching all areas from front to back office, as client adoption of these new services accelerates. The lighting Company Osram, for example, recently had to reduce its w...

  3. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  4. GenBank

    OpenAIRE

    Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

    2008-01-01

    GenBank? is a comprehensive database that contains publicly available nucleotide sequences for more than 300 000 organisms named at the genus level or lower, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and accession numbers are assigned by GenBank? staff upon receipt. Daily data exchange with the European Molecular Biology Labo...

  5. GenBank

    OpenAIRE

    Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

    2012-01-01

    GenBank? (http://www.ncbi.nlm.nih.gov) is a comprehensive database that contains publicly available nucleotide sequences for almost 260 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole-genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and GenBank staff assig...

  6. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks’ aggregate fee income rose slightly in the banks’ 2011 financial years, but that growth in fee income was less than that in banks’ total assets. Fee income from households declined while fee income from businesses grew, largely as a result of increases in fees on business loans and bank bills.

  7. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

    This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

  8. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

    Early regulator interventions into problem banks is one of the key suggestions of Basel Committee on Banking Supervision. However, no guidance is given on their design. To fill this gap, we outline an incentive-based preventive supervision strategy that eliminates bad asset management in banks. Two supervision techniques are combined: temporary regulatory administration and random audits. Our design ensures good management without excessive supervision costs, through a gradual adjustment of...

  9. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  11. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fe...

  12. A framework for Service-oriented Architecture adoption in e-banking: the case of banks from a transition and a developed economy

    OpenAIRE

    Themistocleous, Marinos; Nikolaos, Basias; Morabito, Vincenzo

    2015-01-01

    Integration is considered as an important challenge for electronic banking (e-banking) success and many issues related to it remain unexplored. In addressing integration issues, Service Oriented Architecture (SOA) has emerged and been adopted by banks but many of them have failed to achieve significant SOA benefits. An important reason for this failure is attributed to the absence of a methodological framework that explains factors influencing SOA adoption in e-banking. In addition to this, t...

  13. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

    This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

  14. Collapsed state of polyglutamic acid results in amyloid spherulite formation.

    Science.gov (United States)

    Stehli, Daniel; Mulaj, Mentor; Miti, Tatiana; Traina, Joshua; Foley, Joseph; Muschol, Martin

    2015-01-01

    Self-assembly of proteins and peptides into amyloid fibrils involves multiple distinct intermediates and late-stage fibrillar polymorphs. Understanding the conditions and mechanisms that promote the formation of one type of intermediate and polymorph over the other represents a fundamental challenge. Answers to this question are also of immediate biomedical relevance since different amyloid aggregate species have been shown to have distinct pathogenic potencies. One amyloid polymorph that has received comparatively little attention are amyloid spherulites. Here we report that self-assembly of the intrinsically disordered polymer poly(L-glutamic) acid (PLE) can generate amyloid spherulites. We characterize spherulite growth kinetics, as well as the morphological, optical and tinctorial features of this amyloid polymorph previously unreported for PLE. We find that PLE spherulites share both tinctorial and structural characteristics with their amyloid fibril counterparts. Differences in PLE's molecular weight, polydispersity or chemistry could not explain the selective propensity toward either fibril or spherulite formation. Instead, we provide evidence that PLE polymers can exist in either a collapsed globule or an extended random coil conformation. The collapsed globule consistently produces spherulites while the extended coil assembles into disordered fibril bundles. This results suggests that these 2 PLE conformers directly affect the morphology of the resulting macroscopic amyloid assembly.

  15. Colloquium: Perspectives on core-collapse supernova theory

    Science.gov (United States)

    Burrows, Adam

    2013-01-01

    Core-collapse theory brings together many facets of high-energy and nuclear astrophysics and the numerical arts to present theorists with one of the most important, yet frustrating, astronomical questions: “What is the mechanism of core-collapse supernova explosions?” A review of all the physics and the 50-year history involved would soon bury the reader in minutiae that could easily obscure the essential elements of the phenomenon, as we understand it today. Moreover, much remains to be discovered and explained, and a complicated review of an unresolved subject in flux could grow stale fast. Therefore, this paper describes various important facts and perspectives that may have escaped the attention of those interested in this puzzle. Furthermore, an attempt to describe the modern theory’s physical underpinnings and a brief summary of the current state of play are given. In the process, a few myths that have crept into modern discourse are identified. However, there is much more to do and humility in the face of this age-old challenge is clearly the most prudent stance as its eventual resolution is sought.

  16. Collapsed state of polyglutamic acid results in amyloid spherulite formation

    Science.gov (United States)

    Stehli, Daniel; Mulaj, Mentor; Miti, Tatiana; Traina, Joshua; Foley, Joseph; Muschol, Martin

    2015-01-01

    Self-assembly of proteins and peptides into amyloid fibrils involves multiple distinct intermediates and late-stage fibrillar polymorphs. Understanding the conditions and mechanisms that promote the formation of one type of intermediate and polymorph over the other represents a fundamental challenge. Answers to this question are also of immediate biomedical relevance since different amyloid aggregate species have been shown to have distinct pathogenic potencies. One amyloid polymorph that has received comparatively little attention are amyloid spherulites. Here we report that self-assembly of the intrinsically disordered polymer poly(L-glutamic) acid (PLE) can generate amyloid spherulites. We characterize spherulite growth kinetics, as well as the morphological, optical and tinctorial features of this amyloid polymorph previously unreported for PLE. We find that PLE spherulites share both tinctorial and structural characteristics with their amyloid fibril counterparts. Differences in PLE's molecular weight, polydispersity or chemistry could not explain the selective propensity toward either fibril or spherulite formation. Instead, we provide evidence that PLE polymers can exist in either a collapsed globule or an extended random coil conformation. The collapsed globule consistently produces spherulites while the extended coil assembles into disordered fibril bundles. This results suggests that these 2 PLE conformers directly affect the morphology of the resulting macroscopic amyloid assembly. PMID:28232889

  17. Introduction of Basel III: Opportunities and Challenges

    OpenAIRE

    Madzova, Violeta

    2011-01-01

    Basel III is an opportunity as well as a challenge for the banks. It was developed from the existing Basel II framework, and the most signifi cant differences for banks are the introduction of liquidity and leverage ratios, and enhanced minimum capital requirements. An effective implementation of Basel III need to demonstrate to regulators, customers, and shareholders that the bank are recovering well from the global banking crisis of 2008 and provide a solid foundation for the next dev...

  18. Probabilistic assessment of steel moment frames incremental collapse (ordinary, intermediate and special under earthquake

    Directory of Open Access Journals (Sweden)

    Kourosh Mehdizadeh

    2017-11-01

    Full Text Available Building collapse is a level of the structure performance in which the amount of financial and life loss is maximized, so this event could be the worst incident in the construction. Regarding to the possibility of destructive earthquakes in different parts of the world, detailed assessment of the structure's collapse has been one of the major challenges of the structural engineering. In this regard, offering models based on laboratory studies, considering the effective parameters and appropriate earthquakes could be a step towards achieving this goal. In this research, a five-story steel structure with a system of ordinary, intermediate and special moment frame (low, intermediate and high ductility has been designed based on the local regulations. In this study, the effect of resistance and stiffness deterioration of the structural elements based on the results of the laboratory models have been considered and the ductility role in the collapse capacity of steel moment frames has been investigated as probabilistic matter. For this purpose, incremental dynamic analysis has been done under 50 pairs of earthquake records proposing FEMA P695 instruction and fragility curves of various performance levels are developed. Results showed higher collapse capacity of special moment steel frame than the intermediate and ordinary moment frames. In the 50 percent probability level, the collapse capacity of special moment frame increased 34 % compared to the intermediate moment frame and 66 % to the ordinary moment frame. Also, the results showed that for different collapse spectral accelerations, the use of special moment frame instead of intermediate and ordinary moment frames reduces the collapse probability to 30 and 50 % respectively.

  19. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

    This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...

  20. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

    The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

  1. Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  2. Body size shifts and early warning signals precede the historic collapse of whale stocks.

    Science.gov (United States)

    Clements, Christopher F; Blanchard, Julia L; Nash, Kirsty L; Hindell, Mark A; Ozgul, Arpat

    2017-06-22

    Predicting population declines is a key challenge in the face of global environmental change. Abundance-based early warning signals have been shown to precede population collapses; however, such signals are sensitive to the low reliability of abundance estimates. Here, using historical data on whales harvested during the 20th century, we demonstrate that early warning signals can be present not only in the abundance data, but also in the more reliable body size data of wild populations. We show that during the period of commercial whaling, the mean body size of caught whales declined dramatically (by up to 4 m over a 70-year period), leading to early warning signals being detectable up to 40 years before the global collapse of whale stocks. Combining abundance and body size data can reduce the length of the time series required to predict collapse, and decrease the chances of false positive early warning signals.

  3. Discriminating the effects of collapse models from environmental diffusion with levitated nanospheres

    Science.gov (United States)

    Li, Jie; Zippilli, Stefano; Zhang, Jing; Vitali, David

    2016-05-01

    Collapse models postulate the existence of intrinsic noise which modifies quantum mechanics and is responsible for the emergence of macroscopic classicality. Assessing the validity of these models is extremely challenging because it is nontrivial to discriminate unambiguously their presence in experiments where other hardly controllable sources of noise compete to the overall decoherence. Here we provide a simple procedure that is able to probe the hypothetical presence of the collapse noise with a levitated nanosphere in a Fabry-Pérot cavity. We show that the stationary state of the system is particularly sensitive, under specific experimental conditions, to the interplay between the trapping frequency, the cavity size, and the momentum diffusion induced by the collapse models, allowing one to detect them even in the presence of standard environmental noises.

  4. The Interplay of Opacities and Rotation in Promoting the Explosion of Core-Collapse Supernovae

    Science.gov (United States)

    Vartanyan, David; Burrows, Adam; Radice, David

    2018-01-01

    For over five decades, the mechanism of explosion in core-collapse supernovae has been a central unsolved problem in astrophysics, challenging both our computational capabilities and our understanding of relevant physics. Current simulations often produce explosions, but they are at times underenergetic. The neutrino mechanism, wherein a fraction of emitted neutrinos is absorbed in the mantle of the star to reignite the stalled shock, remains the dominant model for reviving explosions in massive stars undergoing core collapse. We present here a diverse suite of 2D axisymmetric simulations produced by FORNAX, a highly parallelizable multidimensional supernova simulation code. We explore the effects of various corrections, including the many-body correction, to neutrino-matter opacities and the possible role of rotation in promoting explosion amongst various core-collapse progenitors.

  5. Identification and behavior of collapsible soils : [technical summary].

    Science.gov (United States)

    2011-01-01

    Collapsible soils are susceptible to large volumetric strains when they become saturated. Numerous soil types : fall in the general category of collapsible soils, including : loess, a well-known aeolian deposit, present throughout : most of Indiana. ...

  6. Dynamic Control of Collapse in a Vortex Airy Beam

    Science.gov (United States)

    Chen, Rui-Pin; Chew, Khian-Hooi; He, Sailing

    2013-01-01

    Here we study systematically the self-focusing dynamics and collapse of vortex Airy optical beams in a Kerr medium. The collapse is suppressed compared to a non-vortex Airy beam in a Kerr medium due to the existence of vortex fields. The locations of collapse depend sensitively on the initial power, vortex order, and modulation parameters. The collapse may occur in a position where the initial field is nearly zero, while no collapse appears in the region where the initial field is mainly distributed. Compared with a non-vortex Airy beam, the collapse of a vortex Airy beam can occur at a position away from the area of the initial field distribution. Our study shows the possibility of controlling and manipulating the collapse, especially the precise position of collapse, by purposely choosing appropriate initial power, vortex order or modulation parameters of a vortex Airy beam. PMID:23518858

  7. Unifying Research on Social-Ecological Resilience and Collapse.

    Science.gov (United States)

    Cumming, Graeme S; Peterson, Garry D

    2017-09-01

    Ecosystems influence human societies, leading people to manage ecosystems for human benefit. Poor environmental management can lead to reduced ecological resilience and social-ecological collapse. We review research on resilience and collapse across different systems and propose a unifying social-ecological framework based on (i) a clear definition of system identity; (ii) the use of quantitative thresholds to define collapse; (iii) relating collapse processes to system structure; and (iv) explicit comparison of alternative hypotheses and models of collapse. Analysis of 17 representative cases identified 14 mechanisms, in five classes, that explain social-ecological collapse. System structure influences the kind of collapse a system may experience. Mechanistic theories of collapse that unite structure and process can make fundamental contributions to solving global environmental problems. Copyright © 2017. Published by Elsevier Ltd.

  8. Islamic women's organisations on the West Bank

    OpenAIRE

    Kjøstvedt, Hilde

    2011-01-01

    Islamic organisations’ role in improving women’s position in society is often dismissed. Instead, they are believed to be devoted to charitable work and entrench patriarchal structures in line with traditional religious norms rather than challenge them. This brief nuances this picture, and describes some of the goals and activities of Islamic women’s organisations on the West Bank. In addition, the brief highlights factors that challenge the allegations that Islamic women’s organisations are ...

  9. Making Central Banks Serve The Real Economy

    Directory of Open Access Journals (Sweden)

    Suleika Reiners

    2013-10-01

    Full Text Available The challenge is to redirect central bank money into the real economy and to the needs of society. If new money is issued to expand the productive capacity, there is no reason for inflation. Long-term financing could become available at an affordable price. Central bank money must not replace a sound tax system and the distribution of income and wealth, but complement them. The remaining task, apart from the financing of real needs, is the prevention of speculative asset price inflation. For this, central banks and regulators should install debt brakes for the financial sector. Furthermore, independent monetary policy calls for capital account management. It enables national central banks to find space for the conduct of their own policies in an interdependent global economy. Coordination between central banks and governments might increase as policies combine monetary, fiscal and regulatory facets. The future role of central banks should particularly lie in their insights regarding capital flows and leverage cycles and in their ability to create and withdraw money, depend­ing on economic conditions.

  10. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  11. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

    One in a series of consumer education materials for teenagers, this document focuses on banking and banking services. The series is based on the philosophy that teens need the training and guidance to develop the skills needed to become competent consumers. Developed for 4-H Club members, the material is designed to acquaint students with the…

  12. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  13. Optimal Central Bank Transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  14. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  15. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  16. Transparency of Banking Supervisors

    NARCIS (Netherlands)

    Liedorp, Franka; Mosch, Robert; van der Cruijsen, Carin; de Haan, Jakob

    Following Eijffinger and Geraats (2006), this paper constructs an index of transparency of banking supervisors that takes political, economic, procedural, policy, and operational transparency into account. Based on a survey, the index is constructed for 24 banking supervisors. The average score is

  17. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  18. Banking and trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2013-01-01

    We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital

  19. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly

  20. THE IMPACT OF THE FALLING OIL PRICES ON THE BANKING SECTOR AND THE BANKING CRISIS IN AZERBAIJAN

    Directory of Open Access Journals (Sweden)

    Nijat Huseynov

    2018-03-01

    Full Text Available The Banking sector in Azerbaijan has been one of the most affected sectors and volatile due to the falling oil prices. In the recent years, the government’s approach to the banking sector has changed significantly. The national currency has depreciated against the foreign currencies. The main goal of this paper is to clarify the current situation and key challenges in the Azerbaijan Banking sector including assessing the role of the Central Bank of Azerbaijan Republic (CBA. In this paper, the crucial problems in the financial sector are also indicated and some key points for the future actions are recommended.

  1. Against Contextualism: Belief, Evidence, & the Bank Cases

    Directory of Open Access Journals (Sweden)

    Logan Paul Gage

    2013-04-01

    Full Text Available http://dx.doi.org/10.5007/1808-1711.2013v17n1p57 Contextualism (the view that ‘knowledge’ and its variants are context-sensitive has been supported in large part through appeal to intuitions about Keith DeRose’s Bank Cases. Recently, however, the contextualist construal of these cases has come under fire from Kent Bach and Jennifer Nagel who question whether the Bank Case subject’s confidence can remain constant in both low- and high-stakes cases. Having explained the Bank Cases and this challenge to them, I argue that DeRose has given a reasonable reply to this initial challenge. However, I proceed to argue that the current stalemate can be broken. Seeking to extend the Bach–Nagel critique, I offer a novel interpretation of the Bank Cases according to which the subject’s evidence changes between low- and high-stakes cases. If I am correct, then, given the amount of support the Bank Cases have been thought to lend contextualism, the case for contextualism is seriously weakened.

  2. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  3. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

    Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.

  4. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

  5. mode of collapse of square single panel reinforced concrete space

    African Journals Online (AJOL)

    The models were loaded directly till collapse. The estimated and actual collapse loads of the five models were compared. The estimated collapse load for the slab was 35 kN/m2. Also, the numerical estimate of the collapse load for the beam was 10.2kN/m (with an equivalent slab load of 40.8kN/m2), while the shear capacity ...

  6. An Overview of Optimizing Strategies for Flotation Banks

    Directory of Open Access Journals (Sweden)

    Miguel Maldonado

    2012-10-01

    Full Text Available A flotation bank is a serial arrangement of cells. How to optimally operate a bank remains a challenge. This article reviews three reported strategies: air profiling, mass-pull (froth velocity profiling and Peak Air Recovery (PAR profiling. These are all ways of manipulating the recovery profile down a bank, which may be the property being exploited. Mathematical analysis has shown that a flat cell-by-cell recovery profile maximizes the separation of two floatable minerals for a given target bank recovery when the relative floatability is constant down the bank. Available bank survey data are analyzed with respect to recovery profiling. Possible variations on recovery profile to minimize entrainment are discussed.

  7. Financial Independence of Central Bank through the Balance Sheet Prism

    Directory of Open Access Journals (Sweden)

    Ivanović Valentina

    2014-05-01

    Full Text Available The main reason for central bank independence lies in the fact that it is necessary to clearly distinguish spending money from the ability of making money. Independence of central banks is now a characteristic of almost all developed and highly industrialized countries. In this respect, it represents an essential part of the overall economic reality of these countries. Over the past decade or somewhat earlier, the issue of importance of central bank independence has been raised in developing countries, making the institutional, functional, personal and financial independence of central banks current topics for consideration. The key reason for the growing attention to financial independence of central banks is due to the effects of the global financial crisis on their balance sheets and therefore the challenges related to achieving the basic goals of the functioning of central banks - financial stability and price stability.

  8. Collapse and revival in holographic quenches

    International Nuclear Information System (INIS)

    Silva, Emilia da; Lopez, Esperanza; Mas, Javier; Serantes, Alexandre

    2015-01-01

    We study holographic models related to global quantum quenches in finite size systems. The holographic set up describes naturally a CFT, which we consider on a circle and a sphere. The enhanced symmetry of the conformal group on the circle motivates us to compare the evolution in both cases. Depending on the initial conditions, the dual geometry exhibits oscillations that we holographically interpret as revivals of the initial field theory state. On the sphere, this only happens when the energy density created by the quench is small compared to the system size. However on the circle considerably larger energy densities are compatible with revivals. Two different timescales emerge in this latter case. A collapse time, when the system appears to have dephased, and the revival time, when after rephasing the initial state is partially recovered. The ratio of these two times depends upon the initial conditions in a similar way to what is observed in some experimental setups exhibiting collapse and revivals.

  9. HII regions in collapsing massive molecular clouds

    International Nuclear Information System (INIS)

    Yorke, H.W.; Bodenheimer, P.; Tenorio-Tagle, G.

    1982-01-01

    Results of two-dimensional numerical calculations of the evolution of HII regions associated with self-gravitating, massive molecular clouds are presented. Depending on the location of the exciting star, a champagne flow can occur concurrently with the central collapse of a nonrotating cloud. Partial evaporation of the cloud at a rate of about 0.005 solar masses/yr results. When 100 O-stars are placed at the center of a freely falling cloud of 3x10 5 solar masses no evaporation takes place. Rotating clouds collapse to disks and the champagne flow can evaporate the cloud at a higher rate (0.01 solar masses/yr). It is concluded that massive clouds containing OB-stars have lifetimes of no more than 10 7 yr. (Auth.)

  10. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

    The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...

  11. Bank and sovereign debt risk

    OpenAIRE

    Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

    2013-01-01

    Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

  12. Basel III Forthcoming - How Swedish banks perceive the impact of the Basel III Accord and its effect on systemic risk

    OpenAIRE

    Jordbru, Marlene; Sjöqvist, Lina

    2012-01-01

    The banking sector plays an important part of the modern society and a collapse of the financial system would have severe consequences for the society. In order to protect the system from a systemic collapse, regulations have been put in place to ensure a more stable financial system. Because of the financial instabilities experienced in recent years, the Basel Committee has released an improved framework in order to deal with the systemic risk which contributed to the crisis. Parts of the ne...

  13. Collapse and bounce of null fluids

    OpenAIRE

    Creelman, Bradley; Booth, Ivan

    2016-01-01

    Exact solutions describing the spherical collapse of null fluids can contain regions which violate the energy conditions. Physically the violations occur when the infalling matter continues to move inwards even when non-gravitational repulsive forces become stronger than gravity. In 1991 Ori proposed a resolution for these violations: spacetime surgery should be used to replace the energy condition violating region with an outgoing solution. The matter bounces. We revisit and implement this p...

  14. Analysis of power system collapse risk

    International Nuclear Information System (INIS)

    Eleschova, Z.; Belan, A.; Cintula, B.; Smitkova, M.

    2012-01-01

    In this paper are analysed the initialization events with considering different scenarios and their impact on the power system transient stability. As an initialization event is considered a short circuit at various places of power line. In each scenario are considered protection failures (backup protection), circuit-breaker failures (breaker failure relay activation). The individual states are analysed and the power system collapse risk assessed based on the simulation experiments results (Authors)

  15. Distributed Monitoring of Voltage Collapse Sensitivity Indices

    OpenAIRE

    Simpson-Porco, John W.; Bullo, Francesco

    2016-01-01

    The assessment of voltage stability margins is a promising direction for wide-area monitoring systems. Accurate monitoring architectures for long-term voltage instability are typically centralized and lack scalability, while completely decentralized approaches relying on local measurements tend towards inaccuracy. Here we present distributed linear algorithms for the online computation of voltage collapse sensitivity indices. The computations are collectively performed by processors embedded ...

  16. Rate of stellar collapses in the Galaxy

    International Nuclear Information System (INIS)

    Lande, K.; Stephens, W.E.

    1977-01-01

    From an analysis of pulsar spatial and luminosity distributions, the number density of observed pulsars in the local region is determined to be 1.1+-0.4x10 -7 pulsar pc -3 . Multiplication by the detection factor and by the ratio of Galaxy mass to local matter density and division by a mean lifetime of pulsars of 3x10 6 yr suggests a pulsar birth every 4 yr. A stellar collapse might occur even more often. (Auth.)

  17. Asymmetric explosion of core-collapse supernovae

    International Nuclear Information System (INIS)

    Kazeroni, Remi

    2016-01-01

    A core-collapse supernova represents the ultimate stage of the evolution of massive stars.The iron core contraction may be followed by a gigantic explosion which gives birth to a neutron star.The multidimensional dynamics of the innermost region, during the first hundreds milliseconds, plays a decisive role on the explosion success because hydrodynamical instabilities are able to break the spherical symmetry of the collapse. Large scale transverse motions generated by two instabilities, the neutrino-driven convection and the Standing Accretion Shock Instability (SASI),increase the heating efficiency up to the point of launching an asymmetric explosion and influencing the birth properties of the neutron star. In this thesis, hydrodynamical instabilities are studied using numerical simulations of simplified models. These models enable a wide exploration of the parameter space and a better physical understanding of the instabilities, generally inaccessible to realistic models.The non-linear regime of SASI is analysed to characterize the conditions under which a spiral mode prevails and to assess its ability to redistribute angular momentum radially.The influence of rotation on the shock dynamics is also addressed. For fast enough rotation rates, a corotation instability overlaps with SASI and greatly impacts the dynamics. The simulations enable to better constrain the effect of non-axisymmetric modes on the angular momentum budget of the iron core collapsing into a neutron star. SASI may under specific conditions spin up or down the pulsar born during the explosion. Finally, an idealised model of the heating region is studied to characterize the non-linear onset of convection by perturbations such as those produced by SASI or pre-collapse combustion inhomogeneities. The dimensionality issue is examined to stress the beneficial consequences of the three-dimensional dynamics on the onset of the explosion. (author) [fr

  18. Multigroup models of the convective epoch in core collapse supernovae

    International Nuclear Information System (INIS)

    Swesty, F Douglas; Myra, Eric S

    2005-01-01

    Understanding the explosion mechanism of core collapse supernovae is a problem that has plagued nuclear astrophysicists since the first computational models of this phenomenon were carried out in the 1960s. Our current theories of this violent phenomenon center around multi-dimensional effects involving radiation-hydrodynamic flows of hot, dense matter and neutrinos. Modeling these multi-dimensional radiative flows presents a computational challenge that will continue to stress high-performance computing beyond the teraflops to the petaflop level. In this paper we describe a few of the scientific discoveries that we have made via terascale computational simulations of supernovae under the auspices of the SciDAC-funded Terascale Supernova Initiative

  19. BRAND AS A SOURCE OF COMPETITIVE BANKS IN POLAND

    Directory of Open Access Journals (Sweden)

    Justyna Rutecka

    2016-06-01

    Full Text Available Competition companies enterprises in every sector of the economy. In the age of twenty-first century all parties compete with each other for recognition and trust of cus-tomers. It is a tough challenge especially in the banking services sector. These institutions are not able to stand out in the market offer, because this is similar to competitors. High barriers to entry and a large number of entities that provide services similar to banks threaten these organizations. Currently on the market of banking services is proving to be an important brand. Distinguishing itself from the competition image and brand loyalty is a source of advantage for Polish banks. The building of a strong brand plays an important role such factors as internal communication-on company, advertising, business processes, quality, relations with investors and customers. Its construction is a challenge for many banks, because around it must focus on the whole strategy of the company.

  20. Achieving Payoffs from an Industry Cloud Ecosystem at BankID

    DEFF Research Database (Denmark)

    Eaton, Ben; Hallingby, Hanne Kristine; Nesse, Per-Jonny

    2014-01-01

    BankID is an industry cloud owned by Norwegian banks. It provides electronic identity, authentication and electronic signing capabilities for banking, merchant and government services. More than 60% of the population uses BankID services. As the broader ecosystem around BankID evolved, challenges......—arising from tensions between different parts of the ecosystem—had to be resolved. The four lessons learned from the BankID case will help others to build an industry cloud and establish a healthy ecosystem to service a broad user base....

  1. Cooperation, cheating, and collapse in microbial populations

    Science.gov (United States)

    Gore, Jeff

    2012-02-01

    Natural populations can suffer catastrophic collapse in response to small changes in environmental conditions, and recovery after such a collapse can be exceedingly difficult. We have used laboratory yeast populations to study proposed early warning signals of impending extinction. Yeast cooperatively breakdown the sugar sucrose, meaning that there is a minimum number of cells required to sustain the population. We have demonstrated experimentally that the fluctuations in the population size increase in magnitude and become slower as the population approaches collapse. The cooperative nature of yeast growth on sucrose suggests that the population may be susceptible to cheater cells, which do not contribute to the public good and instead merely take advantage of the cooperative cells. We have confirmed this possibility experimentally by using a cheater yeast strain that lacks the gene encoding the cooperative behavior [1]. However, recent results in the lab demonstrate that the presence of a bacterial competitor may drive cooperation within the yeast population.[4pt] [1] Gore et al, Nature 459, 253 -- 256 (2009)

  2. Collapse of experimental capsules under external pressure

    International Nuclear Information System (INIS)

    Simonen, F.A.; Shippell, R.J. Jr.

    1980-01-01

    Stress analyses and developmental tests of capsules fabricated from thick-walled tubing were performed for an external pressure design condition. In the design procedure no credit was taken for the expected margin in pressure between yielding of the capsule wall and catastrophic collapse or flattening. In tests of AISI-1018 low carbon steel capsules, a significant margin was seen between yield and collapse pressure. However, the experimental yield pressures were significantly below predictions, essentially eliminating the safety margin present in the conservative design approach. The differences between predictions and test results are attributed to deficiencies in the plasticity theories commonly in use for engineering stress analyses. The results of this study show that the von Mises yield condition does not accurately describe the yield behavior of the AISI-1018 steel tubing material for the triaxial stress conditions of interest. Finite element stress analyses successfully predicted the transition between uniform inward plastic deformation and ovalization that leads to catastrophic collapse. After adjustments to correct for the unexpected yield behavior of the tube material, the predicted pressure-deflection trends were found to follow the experimental data

  3. Collapse of tall granular columns in fluid

    Science.gov (United States)

    Kumar, Krishna; Soga, Kenichi; Delenne, Jean-Yves

    2017-06-01

    Avalanches, landslides, and debris flows are geophysical hazards, which involve rapid mass movement of granular solids, water, and air as a multi-phase system. In order to describe the mechanism of immersed granular flows, it is important to consider both the dynamics of the solid phase and the role of the ambient fluid. In the present study, the collapse of a granular column in fluid is studied using 2D LBM - DEM. The flow kinematics are compared with the dry and buoyant granular collapse to understand the influence of hydrodynamic forces and lubrication on the run-out. In the case of tall columns, the amount of material destabilised above the failure plane is larger than that of short columns. Therefore, the surface area of the mobilised mass that interacts with the surrounding fluid in tall columns is significantly higher than the short columns. This increase in the area of soil - fluid interaction results in an increase in the formation of turbulent vortices thereby altering the deposit morphology. It is observed that the vortices result in the formation of heaps that significantly affects the distribution of mass in the flow. In order to understand the behaviour of tall columns, the run-out behaviour of a dense granular column with an initial aspect ratio of 6 is studied. The collapse behaviour is analysed for different slope angles: 0°, 2.5°, 5° and 7.5°.

  4. Collapse postulate for observables with continuous area

    International Nuclear Information System (INIS)

    Srinivas, M.D.

    1979-03-01

    In order to provide a mathematical framework for discussing the statistical correlations between the outcomes, when an arbitrary sequence of observables are measured, it is necessary to generalize the conventional von Neumann-Lueders collapse postulate to observables with a continuous spectrum. It is shown that the standard prescription in conventional quantum theory for the joint probabilities of compatible observables is sufficient to characterize, more or less completely, the appropriate ''generalized collapse postulate'' which associates with each observable a unique ''finitely additive expectation valued measure''. An interesting feature of the collapse associated with observables with continuous spectra, which again follows from the basic principles of conventional quantum theory, is that it must be formulated in terms of the so-called non-normal conditional expectations, which implies that the joint probabilities associated with successive observations of such observables are not in general σ-additive. The implications of this non-σ-additivity on the determination of expectation values, correlation functions etc., are also investigated. It is demonstrated that the basic prescriptions introduced in this paper constitute a natural completion of the framework of conventional quantum theory for discussing the statistics of an arbitrary sequence of observations

  5. The Collapse of Ecosystem Engineer Populations

    Directory of Open Access Journals (Sweden)

    José F. Fontanari

    2018-01-01

    Full Text Available Humans are the ultimate ecosystem engineers who have profoundly transformed the world’s landscapes in order to enhance their survival. Somewhat paradoxically, however, sometimes the unforeseen effect of this ecosystem engineering is the very collapse of the population it intended to protect. Here we use a spatial version of a standard population dynamics model of ecosystem engineers to study the colonization of unexplored virgin territories by a small settlement of engineers. We find that during the expansion phase the population density reaches values much higher than those the environment can support in the equilibrium situation. When the colonization front reaches the boundary of the available space, the population density plunges sharply and attains its equilibrium value. The collapse takes place without warning and happens just after the population reaches its peak number. We conclude that overpopulation and the consequent collapse of an expanding population of ecosystem engineers is a natural consequence of the nonlinear feedback between the population and environment variables.

  6. Matter and gravitons in the gravitational collapse

    Directory of Open Access Journals (Sweden)

    Roberto Casadio

    2016-12-01

    Full Text Available We consider the effects of gravitons in the collapse of baryonic matter that forms a black hole. We first note that the effective number of (soft off-shell gravitons that account for the (negative Newtonian potential energy generated by the baryons is conserved and always in agreement with Bekenstein's area law of black holes. Moreover, their (positive interaction energy reproduces the expected post-Newtonian correction and becomes of the order of the total ADM mass of the system when the size of the collapsing object approaches its gravitational radius. This result supports a scenario in which the gravitational collapse of regular baryonic matter produces a corpuscular black hole without central singularity, in which both gravitons and baryons are marginally bound and form a Bose–Einstein condensate at the critical point. The Hawking emission of baryons and gravitons is then described by the quantum depletion of the condensate and we show the two energy fluxes are comparable, albeit negligibly small on astrophysical scales.

  7. Matter and gravitons in the gravitational collapse

    Energy Technology Data Exchange (ETDEWEB)

    Casadio, Roberto, E-mail: casadio@bo.infn.it [Dipartimento di Fisica e Astronomia, Alma Mater Universià di Bologna, via Irnerio 46, 40126 Bologna (Italy); I.N.F.N., Sezione di Bologna, IS FLAG, viale B. Pichat 6/2, I-40127 Bologna (Italy); Giugno, Andrea, E-mail: A.Giugno@physik.uni-muenchen.de [Arnold Sommerfeld Center, Ludwig-Maximilians-Universität, Theresienstraße 37, 80333 München (Germany); Giusti, Andrea, E-mail: andrea.giusti@bo.infn.it [Dipartimento di Fisica e Astronomia, Alma Mater Universià di Bologna, via Irnerio 46, 40126 Bologna (Italy); I.N.F.N., Sezione di Bologna, IS FLAG, viale B. Pichat 6/2, I-40127 Bologna (Italy)

    2016-12-10

    We consider the effects of gravitons in the collapse of baryonic matter that forms a black hole. We first note that the effective number of (soft off-shell) gravitons that account for the (negative) Newtonian potential energy generated by the baryons is conserved and always in agreement with Bekenstein's area law of black holes. Moreover, their (positive) interaction energy reproduces the expected post-Newtonian correction and becomes of the order of the total ADM mass of the system when the size of the collapsing object approaches its gravitational radius. This result supports a scenario in which the gravitational collapse of regular baryonic matter produces a corpuscular black hole without central singularity, in which both gravitons and baryons are marginally bound and form a Bose–Einstein condensate at the critical point. The Hawking emission of baryons and gravitons is then described by the quantum depletion of the condensate and we show the two energy fluxes are comparable, albeit negligibly small on astrophysical scales.

  8. Precombination Cloud Collapse and Baryonic Dark Matter

    Science.gov (United States)

    Hogan, Craig J.

    1993-01-01

    A simple spherical model of dense baryon clouds in the hot big bang 'strongly nonlinear primordial isocurvature baryon fluctuations' is reviewed and used to describe the dependence of cloud behavior on the model parameters, baryon mass, and initial over-density. Gravitational collapse of clouds before and during recombination is considered including radiation diffusion and trapping, remnant type and mass, and effects on linear large-scale fluctuation modes. Sufficiently dense clouds collapse early into black holes with a minimum mass of approx. 1 solar mass, which behave dynamically like collisionless cold dark matter. Clouds below a critical over-density, however, delay collapse until recombination, remaining until then dynamically coupled to the radiation like ordinary diffuse baryons, and possibly producing remnants of other kinds and lower mass. The mean density in either type of baryonic remnant is unconstrained by observed element abundances. However, mixed or unmixed spatial variations in abundance may survive in the diffuse baryon and produce observable departures from standard predictions.

  9. Collapse postulate for observables with continuous spectra

    International Nuclear Information System (INIS)

    Srinivas, M.D.; Madras Univ.

    1980-01-01

    In order to provide a mathematical framework for discussing the statistical correlations between the outcomes, when an arbitrary sequence of observables are measured, it is necessary to generalize the conventional von Neumann-Lueders collapse postulate to observables with a continuous spectrum. It is shown that the standard prescription in conventional quantum theory for the joint probabilities of compatible observables is sufficient to characterize, more or less completely, the appropriate 'generalized collapse postulate' which associates with each observable a unique 'finitely additive expectation valued measure'. An interesting feature of the collapse associated with observables with continuous spectra, which again follows from the basic principles of conventional quantum theory, is that it must be formulated in terms of the so-called non-normal conditional expectations, which implies that the joint probabilities associated with successive observations of such observables are not in general sigma-additive. The implications of this non-sigma-additivity on the determination of expectation values, correlation functions etc., are also investigated. It is demonstrated that the basic prescriptions introduced in this paper constitute a natural completion of the framework of conventional quantum theory for discussing the statistics of an arbitrary sequence of observations. (orig.) 891 HJ/orig. 892 CKA

  10. Collapse dynamics of ultrasound contrast agent microbubbles

    Science.gov (United States)

    King, Daniel Alan

    Ultrasound contrast agents (UCAs) are micron-sized gas bubbles encapsulated with thin shells on the order of nanometers thick. The damping effects of these viscoelastic coatings are widely known to significantly alter the bubble dynamics for linear and low-amplitude behavior; however, their effects on strongly nonlinear and destruction responses are much less studied. This dissertation examines the behaviors of single collapsing shelled microbubbles using experimental and theoretical methods. The study of their dynamics is particularly relevant for emerging experimental uses of UCAs which seek to leverage localized mechanical forces to create or avoid specialized biomedical effects. The central component in this work is the study of postexcitation rebound and collapse, observed acoustically to identify shell rupture and transient inertial cavitation of single UCA microbubbles. This time-domain analysis of the acoustic response provides a unique method for characterization of UCA destruction dynamics. The research contains a systematic documentation of single bubble postexcitation collapse through experimental measurement with the double passive cavitation detection (PCD) system at frequencies ranging from 0.9 to 7.1 MHz and peak rarefactional pressure amplitudes (PRPA) ranging from 230 kPa to 6.37 MPa. The double PCD setup is shown to improve the quality of collected data over previous setups by allowing symmetric responses from a localized confocal region to be identified. Postexcitation signal percentages are shown to generally follow trends consistent with other similar cavitation metrics such as inertial cavitation, with greater destruction observed at both increased PRPA and lower frequency over the tested ranges. Two different types of commercially available UCAs are characterized and found to have very different collapse thresholds; lipid-shelled Definity exhibits greater postexcitation at lower PRPAs than albumin-shelled Optison. Furthermore, by altering

  11. Online customer experience: Implications for digital banking

    Directory of Open Access Journals (Sweden)

    Štavljanin Velimir

    2017-01-01

    Full Text Available Banks will be facing great challenges in the coming period. Some of these challenges are a lack of differentiation, disloyal customers, new non-traditional competitors, increased interaction and expectations from digital channels. Many consulting firms, but also the academic community, propose a solution in the form of implementing the concept of customer experience management. As research shows that a large number of challenges come from the online environment, it is necessary for banks to ensure excellence in the online environment by applying the concept of online customer experience. In order to create this experience, it is up to the banks to meet all the necessary antecedents, which can involve the elements in terms of control, processes and content. This can be a very difficult job if one is unfamiliar with the basics, but it could also be a rewarding job which will reflect on the business performance. Although the focus of the paper is online customer experience, even in the developed countries 'digital' customers are rare. Most of them are multichannel oriented and an important aspect is the multichannel integration and the strategy focused on customer experience. This paper presents an overview of the literature in the field of online customer experience, with the aim of introducing the public with the concept as well as presenting the implications which this concept has for digital banking.

  12. Critical Assessment of Banking Institutions in South Africa

    Directory of Open Access Journals (Sweden)

    Bakam Fotso

    2017-04-01

    Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

  13. Collapse of Incoherent Light Beams in Inertial Bulk Kerr Media

    DEFF Research Database (Denmark)

    Bang, Ole; Edmundson, Darran; Królikowski, Wieslaw

    1999-01-01

    We use the coherent density function theory to show that partially coherent beams are unstable and may collapse in inertial bulk Kerr media. The threshold power for collapse, and its dependence on the degree of coherence, is found analytically and checked-numerically. The internal dynamics of the...... of the walk-off modes is illustrated for collapsing and diffracting partially coherent beams.......We use the coherent density function theory to show that partially coherent beams are unstable and may collapse in inertial bulk Kerr media. The threshold power for collapse, and its dependence on the degree of coherence, is found analytically and checked-numerically. The internal dynamics...

  14. Gravitational collapse from smooth initial data with vanishing radial pressure

    International Nuclear Information System (INIS)

    Mahajan, Ashutosh; Goswami, Rituparno; Joshi, Pankaj S

    2005-01-01

    We study here the spherical gravitational collapse assuming initial data to be necessarily smooth, as motivated by requirements based on physical reasonableness. A tangential pressure model is constructed and analysed in order to understand the final fate of collapse explicitly in terms of the density and pressure parameters at the initial epoch from which the collapse develops. It is seen that both black holes and naked singularities are produced as collapse end states even when the initial data are smooth. We show that the outcome is decided entirely in terms of the initial data, as given by density, pressure and velocity profiles at the initial epoch, from which the collapse evolves

  15. Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

    African Journals Online (AJOL)

    This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

  16. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

    Full Text Available Bank of Moslem law one of its target is profit oriented as financial institution intermediasi beside as institute of baitul maal. Bank of Moslem law can accept the fund coming from zakat , infak, alms, hibah, or other social fund which among other things come the ta’zir. Bank of Moslem law also channel it social fund coming from communal ownership of money to communal ownership organizer (nadzir as according to will ;desire of communal ownership giver (wakif. social Function execution have to pursuant to Statute of Management of Zakat and Statute of Wakaf.

  17. Collapse of the wave function models, ontology, origin, and implications

    CERN Document Server

    2018-01-01

    This is the first single volume about the collapse theories of quantum mechanics, which is becoming a very active field of research in both physics and philosophy. In standard quantum mechanics, it is postulated that when the wave function of a quantum system is measured, it no longer follows the Schrödinger equation, but instantaneously and randomly collapses to one of the wave functions that correspond to definite measurement results. However, why and how a definite measurement result appears is unknown. A promising solution to this problem are collapse theories in which the collapse of the wave function is spontaneous and dynamical. Chapters written by distinguished physicists and philosophers of physics discuss the origin and implications of wave-function collapse, the controversies around collapse models and their ontologies, and new arguments for the reality of wave function collapse. This is an invaluable resource for students and researchers interested in the philosophy of physics and foundations of ...

  18. Explaining money creation by commercial banks

    DEFF Research Database (Denmark)

    Ravn, Ib

    2015-01-01

    Educators and economists concerned with monetary reform face the extraordinary challenge of explaining to the public and its elected representatives not only what a reformed system would look like, but also how the current system works. Centrally, the point that in a modern economy money is largely...... created by commercial banks, as explained by the Bank of England recently (McLeay, Radia & Thomas, 2014b), is often met with incredulity: “What do you mean, created?” This paper introduces five easy-to-grasp analogies that educators and reformers may use to convey key money-creation concepts to a lay...... audience. The analogies offered include (1) money as patches in an expandable patchwork quilt that covers a nation’s real assets, (2) the money supply as water in a bathtub with a faucet and a drain, (3) money understood as debt in a model economy run by schoolchildren, (4) the misleading concept of a bank...

  19. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....

  20. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  1. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

    Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

  2. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

    Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

  3. Mitigation Banking Factsheet

    Science.gov (United States)

    A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404

  4. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

    This paper examines competition between bank regulators in open economies. We use a model where credit demand of firms is endogenous and show any tendency for downward competition in regulation policy is limited by the effect of regulation on profits of nonfinancial firms. Moreover, perfect mobility on loans and deposit markets fully eliminates the incentives of regulators to set bank regulation at ine±cient low levels.

  5. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

    The focus of the paper is to analyze how the concept behind central bank policy developed over time and how the recent financial crisis and its consequences will have an influence. While the principles of the institutional arrangement for central banks (independence, clear mandate, prohibition of monetary financing) are relevant as ever, pre- crisis consensus strategies of monetary policy have been revealed as flawed. The close monitoring of money and credit developments, a key lesson to be d...

  6. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

    This paper explains how banking supervision within the EU, and in Finland in particular, can be improved by the implementation of greater market discipline and related changes. Although existing EU law, institutions, market structures and practices of corporate governance restrict the scope for change, substantial improvements can be introduced now while there is a window of opportunity for change. The economy is growing H5ly and the consequences of the banking crises of the early 1990s have ...

  7. Thermal and Chemical Evolution of Collapsing Filaments

    Energy Technology Data Exchange (ETDEWEB)

    Gray, William J. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Scannapieco, Evan [Arizona State Univ., Mesa, AZ (United States). School of Earth and Space Exploration

    2013-01-15

    Intergalactic filaments form the foundation of the cosmic web that connect galaxies together, and provide an important reservoir of gas for galaxy growth and accretion. Here we present very high resolution two-dimensional simulations of the thermal and chemical evolution of such filaments, making use of a 32 species chemistry network that tracks the evolution of key molecules formed from hydrogen, oxygen, and carbon. We study the evolution of filaments over a wide range of parameters including the initial density, initial temperature, strength of the dissociating UV background, and metallicity. In low-redshift, Z ≈ 0.1Z filaments, the evolution is determined completely by the initial cooling time. If this is sufficiently short, the center of the filament always collapses to form dense, cold core containing a substantial fraction of molecules. In high-redshift, Z = 10-3Z filaments, the collapse proceeds much more slowly. This is due mostly to the lower initial temperatures, which leads to a much more modest increase in density before the atomic cooling limit is reached, making subsequent molecular cooling much less efficient. Finally, we study how the gravitational potential from a nearby dwarf galaxy affects the collapse of the filament and compare this to NGC 5253, a nearby starbusting dwarf galaxy thought to be fueled by the accretion of filament gas. In contrast to our fiducial case, a substantial density peak forms at the center of the potential. This peak evolves faster than the rest of the filament due to the increased rate at which chemical species form and cooling occur. We find that we achieve similar accretion rates as NGC 5253, but our two-dimensional simulations do not recover the formation of the giant molecular clouds that are seen in radio observations.

  8. Holographic probes of collapsing black holes

    International Nuclear Information System (INIS)

    Hubeny, Veronika E.; Maxfield, Henry

    2014-01-01

    We continue the programme of exploring the means of holographically decoding the geometry of spacetime inside a black hole using the gauge/gravity correspondence. To this end, we study the behaviour of certain extremal surfaces (focusing on those relevant for equal-time correlators and entanglement entropy in the dual CFT) in a dynamically evolving asymptotically AdS spacetime, specifically examining how deep such probes reach. To highlight the novel effects of putting the system far out of equilibrium and at finite volume, we consider spherically symmetric Vaidya-AdS, describing black hole formation by gravitational collapse of a null shell, which provides a convenient toy model of a quantum quench in the field theory. Extremal surfaces anchored on the boundary exhibit rather rich behaviour, whose features depend on dimension of both the spacetime and the surface, as well as on the anchoring region. The main common feature is that they reach inside the horizon even in the post-collapse part of the geometry. In 3-dimensional spacetime, we find that for sub-AdS-sized black holes, the entire spacetime is accessible by the restricted class of geodesics whereas in larger black holes a small region near the imploding shell cannot be reached by any boundary-anchored geodesic. In higher dimensions, the deepest reach is attained by geodesics which (despite being asymmetric) connect equal time and antipodal boundary points soon after the collapse; these can attain spacetime regions of arbitrarily high curvature and simultaneously have smallest length. Higher-dimensional surfaces can penetrate the horizon while anchored on the boundary at arbitrarily late times, but are bounded away from the singularity. We also study the details of length or area growth during thermalization. While the area of extremal surfaces increases monotonically, geodesic length is neither monotonic nor continuous

  9. Gravitational collapse of conventional polytropic cylinder

    Science.gov (United States)

    Lou, Yu-Qing; Hu, Xu-Yao

    2017-07-01

    In reference to general polytropic and conventional polytropic hydrodynamic cylinders of infinite length with axial uniformity and axisymmetry under self-gravity, the dynamic evolution of central collapsing mass string in free-fall dynamic accretion phase is re-examined in details. We compare the central mass accretion rate and the envelope mass infall rate at small radii. Among others, we correct mistakes and typos of Kawachi & Hanawa (KH hereafter) and in particular prove that their key asymptotic free-fall solution involving polytropic index γ in the two power exponents is erroneous by analytical analyses and numerical tests. The correct free-fall asymptotic solutions at sufficiently small \\hat{r} (the dimensionless independent self-similar variable) scale as {˜ } -|ln \\hat{r}|^{1/2} in contrast to KH's ˜ -|ln \\hat{r}|^{(2-γ )/2} for the reduced bulk radial flow velocity and as {˜ } \\hat{r}^{-1}|ln \\hat{r}|^{-1/2} in contrast to KH's {˜ } \\hat{r}^{-1} |ln \\hat{r}|^{-(2-γ )/2} for the reduced mass density. We offer consistent scenarios for numerical simulation code testing and theoretical study on dynamic filamentary structure formation and evolution as well as pertinent stability properties. Due to unavoidable Jeans instabilities along the cylinder, such collapsing massive filaments or strings can further break up into clumps and segments of various lengths as well as clumps embedded within segments and evolve into chains of gravitationally collapsed objects (such as gaseous planets, brown dwarfs, protostars, white dwarfs, neutron stars, black holes in a wide mass range, globular clusters, dwarf spheroidals, galaxies, galaxy clusters and even larger mass reservoirs etc.) in various astrophysical and cosmological contexts as articulated by Lou & Hu recently. As an example, we present a model scheme for comparing with observations of molecular filaments for forming protostars, brown dwarfs and gaseous planets and so forth.

  10. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

    Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.

  11. High-resolution simulations of cylindrical void collapse in energetic materials: Effect of primary and secondary collapse on initiation thresholds

    Science.gov (United States)

    Rai, Nirmal Kumar; Schmidt, Martin J.; Udaykumar, H. S.

    2017-04-01

    Void collapse in energetic materials leads to hot spot formation and enhanced sensitivity. Much recent work has been directed towards simulation of collapse-generated reactive hot spots. The resolution of voids in calculations to date has varied as have the resulting predictions of hot spot intensity. Here we determine the required resolution for reliable cylindrical void collapse calculations leading to initiation of chemical reactions. High-resolution simulations of collapse provide new insights into the mechanism of hot spot generation. It is found that initiation can occur in two different modes depending on the loading intensity: Either the initiation occurs due to jet impact at the first collapse instant or it can occur at secondary lobes at the periphery of the collapsed void. A key observation is that secondary lobe collapse leads to large local temperatures that initiate reactions. This is due to a combination of a strong blast wave from the site of primary void collapse and strong colliding jets and vortical flows generated during the collapse of the secondary lobes. The secondary lobe collapse results in a significant lowering of the predicted threshold for ignition of the energetic material. The results suggest that mesoscale simulations of void fields may suffer from significant uncertainty in threshold predictions because unresolved calculations cannot capture the secondary lobe collapse phenomenon. The implications of this uncertainty for mesoscale simulations are discussed in this paper.

  12. Electromagnetic wave collapse in a radiation background

    International Nuclear Information System (INIS)

    Marklund, Mattias; Brodin, Gert; Stenflo, Lennart

    2003-01-01

    The nonlinear interaction, due to quantum electrodynamical (QED) effects between an electromagnetic pulse and a radiation background, is investigated by combining the methods of radiation hydrodynamics with the QED theory for photon-photon scattering. For the case of a single coherent electromagnetic pulse, we obtain a Zakharov-like system, where the radiation pressure of the pulse acts as a driver of acoustic waves in the photon gas. For a sufficiently intense pulse and/or background energy density, there is focusing and the subsequent collapse of the pulse. The relevance of our results for various astrophysical applications are discussed

  13. Formation and collapse of internal transport barrier

    International Nuclear Information System (INIS)

    Fukuyama, A.; Itoh, K.; Itoh, S.I.; Yagi, M.

    1999-01-01

    A theoretical model of internal transport barrier (ITB) is developed. The transport model based on the self-sustained turbulence theory of the current-diffusive ballooning mode is extended to include the effects of ExB rotation shear. Delayed formation of ITB is observed in transport simulations. The influence of finite gyroradius is also discussed. Simulation of the current ramp-up experiment successfully described the radial profile of density, temperature and safety factor. A model of ITB collapse due to magnetic braiding is proposed. Sudden enhancement of transport triggered by overlapping of magnetic islands terminates ITB. The possibility of destabilizing global low-n modes is also discussed. (author)

  14. Formation and collapse of internal transport barrier

    International Nuclear Information System (INIS)

    Fukuyama, A.; Itoh, K.; Itoh, S.-I.; Yagi, M.

    2001-01-01

    A theoretical model of internal transport barrier (ITB) is developed. The transport model based on the self-sustained turbulence theory of the current-diffusive ballooning mode is extended to include the effects of ExB rotation shear. Delayed formation of ITB is observed in transport simulations. The influence of finite gyroradius is also discussed. Simulation of the current ramp-up experiment successfully described the radial profile of density, temperature and safety factor. A model of ITB collapse due to magnetic braiding is proposed. Sudden enhancement of transport triggered by overlaping of magnetic islands terminates ITB. The possibility of destabilizing global low-n modes is also discussed. (author)

  15. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

    This paper is an introduction to the NEA data bank. The essential programs and data for nuclear energy calculations are available from the Data Bank. The Data Bank's role, in co-operation with other centers, is to protect the technological capital represented by the programs and data in its collection, which is unique in covering nearly the whole field of reactor physics at a single center (Saclay). The compilation and exchange of experimental and evaluated neutron and other nuclear data is carried out through a world-wide information network. The tasks now assigned to the Data Bank are in the areas of computer program packaging, neutron data compilation, assembly and benchmark testing of the Joint Evaluated File (JEF) of neutron cross-section data, and servicing the NEA scientific committees, as well as providing a computer service to the main NEA secretariat. In all areas the emphasis is on developing a ''value added'' element to the incoming data or computer codes, by validation documentation and presentation of information in a convenient standard form. The services offered by the Data Bank and the computers used by the Data Bank are presented

  16. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

    Full Text Available The purpose of this study is to analyze internet banking�s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method�s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster�s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking. �

  17. Collateral Determinats In Bank Risk Mananagement: The Regional Case

    Directory of Open Access Journals (Sweden)

    A. M. Karminsky

    2018-01-01

    Full Text Available Regional banks are struggling with significant obstacles in the modern Russian economy. Among them are strong competition with major big banks, strong resource restrictions, tightening the Bank of Russia’s requirements, and quite rapid expansion of financial technologies. Thus, the reduction of regional banks occurs, that produces both a negative impact on the development of small and medium enterprises (SMEs and challenges for balanced competition on the Russian market. Basically, these banks provide the settlement of region’s social and economic problems while maintaining local companies and enterprises. Collateral, as a source for losses covering, became the essential element of credit risk management in banks. Providing lenders to implement such instruments, it helps to reduce bank losses under borrower’s default. The purpose of the article relates to revealing of collateral determinants with higher impact on bank risk with the application of empirical methods (including regional level. This study is based on linear regression models evaluated by the least square method. Private data of secured small and medium business loans is used. This article presents LTV (loan-to-value as a major collateral determinant. The empirical evidence of interlinkage between collateral requirements, by the means of LTV, and risk premium is provided for loan portfolio of Russian regional banks. The hypothesis that LTV conversely correlates with risk premium is statistically proved.

  18. Capital Regulation and Bank Risk-Taking Behavior: Evidence from Pakistan

    Directory of Open Access Journals (Sweden)

    Badar Nadeem Ashraf

    2016-08-01

    Full Text Available In response to the global financial crisis of 2007–2009, risk-based capital requirements have been reinforced in the new Basel III Accord to counter excessive bank risk-taking behavior. However, prior theoretical as well as empirical literature that studies the impact of risk-based capital requirements on bank risk-taking behavior is inconclusive. The primary purpose of this paper is to examine the impact of risk-based capital requirements on bank risk-taking behavior, using a panel dataset of 21 listed commercial banks of Pakistan over the period 2005–2012. Purely regulatory measures of bank capital, capital adequacy ratio, and bank assets portfolio risk, risk-weighted assets to total assets ratio, are used for the main analysis. Recently developed small N panel methods (bias corrected least squares dummy variable (LSDVC method and system GMM method with instruments collapse option are used to control for panel fixed effects, dynamic dependent variables, and endogenous independent variables. Overall, the results suggest that commercial banks have reduced assets portfolio risk in response to stringent risk-based capital requirements. Results also confirm that all banks having risk-based capital ratios either lower or higher than the regulatory required limits, have decreased portfolio risk in response to stringent risk-based capital requirements. The results are robust to alternative proxies of bank risk-taking, alternative estimation methods, and alternative samples.

  19. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

    Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

  20. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

    Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

  1. Risks and benefits from using mobile banking in an emerging country

    Directory of Open Access Journals (Sweden)

    Onneile Juliet Ntseme

    2016-11-01

    Full Text Available An emerging countries banking service providers are eager to implement new technologies and services in order to grasp, penetrate the market and gain competitive advantage. The banks made use of technology by introducing new products such as mobile banking, but customers are not really adopting this new banking model provided as a result some challenges. Then, the overall objective of this study is to explore the risks and benefits on acceptance and usage of mobile banking by users in emerging countries. Also, to identify whether the independent variables are statistically significant factors in the adoption of mobile banking. The research established the effect of independent variables, which include perceived usefulness, and perceived ease use on dependent variables, i.e. the adoption of mobile banking. In the findings it was found that participants would use mobile banking if it is easy to use because then it will be useful to them. Conclusions were made that perceived ease of use of mobile banking positively affect perceived usefulness of mobile banking, perceived ease of use of mobile banking positively affect the behavioral intention to use mobile banking while perceived usefulness of mobile banking has a positive impact on the behavioral intention to use mobile banking

  2. The main directions of banking products promotion in the banking marketing system in Russian commercial banks

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

    Full Text Available the article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.

  3. Managing Customer Loyalty in the Digital Era of the Banking Industry

    OpenAIRE

    Ibegbulem, Anna; Andersson, Gabriella

    2017-01-01

    The Swedish banking industry is in the midst of digital disruption and face new EU directives, which may alter the financial market. It is believed that FinTech companies will play a significant role in shaping the future financial landscape and challenge traditional banking. The primary purpose of this thesis is to develop an understanding of how banks intend to manage customer loyalty given perceived market changes. The thesis seeks to answer the research question: What challenges related t...

  4. Karst collapse in cities and mining areas, China

    International Nuclear Information System (INIS)

    Jian Chen

    1988-01-01

    Karst collapse is a dynamic geological phenomenon, in which the rock mass or deposits overlying the karstified zone subsides down along the karst cavity, resulting in a collapse pit or sinkhole. After discussing the typical examples of collapse emerging in the karst cities and mines in provinces and regions of South China, such as Guangdong, Guangxi, Hunan, Hubei, Zhejiang, Yunnan, Guizhou, and Jiangxi, it is considered that human activities of economy and production have become a major effect in causing karst collapse. Man-made collapses make 66.4 percent of the total, whereas natural ones 33.6 percent. Most of the collapses occurred to the area with soil overburden (96.7 percent), only a few in areas of bedrock overburden (3.3 percent). The karst collapses have a close relationship with the extent of karst development, the character and the thickness of overburden, and the dynamic condition of underground water. Collapse usually occurs in those parts of an area that are more intensely karstified, with soil thickness less than 5 m and a high amplitude of water table fluctuation. Many kinds of mechanical effects are caused by pumping or draining on the over-burden and destroying its equilibrium, leading to the collapse. These effects included the support loss and load-added effect, penetrating suffusion, gas explosion, water-hammer, suction pressure erosion, and liquefaction effects. The collapses are the result of varied comprehensive effects, particularly the support loss and load-added, and penetrating suffusion

  5. STUDY REGARDING THE PERFORMANCE OF THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Maria Daciana Rodean Cozma

    2014-09-01

    Full Text Available Bank performance is an indicator of the quality management and soundness of commercial banks. The systemic role of the commercial banks in the Romanian economy and their role of main creditor determine the supervisors to monitories their performance and their capacity to face the challenges. Taking into account that we are talking about a banking system which has not yet exceeded during turbulence generated by economic and financial crisis, the aim of this study is to identify and analyze the main determinants of bank performance, so any shocks that may impact on this indicator to be identified early and minimized. The financial authorities, in their attempt to avoid new bank failures, because of their negative impact on the entire financial system, have imposed new capital requirements in order to strengthen the banking system’ capacity to absorb shocks. The most used indicators in order to measure the performance of the banking system are return on assets and return on equity. Taking into accounts this consideration the main objective of this study is to analyze the determinants that have a major impact on the banking system performance in an empirical and theoretical manner. To achieve this goal we used a quantitative method, the Pearson’s coefficient. Into the model were involved datas recorded by Romanian banking system in the period 2008-2013, processed by the publications of National Bank, the International Monetary Fund and the National Institute of Statistics. In the model of the correlation coefficient, the regression involved the following indicators: solvency, nonperforming loans as a percentage of total loans, gross domestic product and inflation. The results demonstrated that the factor that have the greatest impact on banking performance is the solvency ratio, followed by the nonperforming loans, the inflation rate and by the gross domestic product. So it can be observe that internal determinants have a biggest impact on the

  6. ANALISIS KOMPARATIF DAN EKSPLORATIF TERHADAP KUALITAS PELAYANAN BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA PEKALONGAN

    Directory of Open Access Journals (Sweden)

    Nalim Nalim

    2015-12-01

    Full Text Available Abstract: For the last ten years, the focus for sharia trading industry has shifted from emphasising on price to service quality. Some of the reasons for this are: the rise of banking industry rivalry, stable business environment, more challenges faces, modern technology and the increasing number of service provider systems. Additionally, within the global market, the service quality has become more prominent in surviving the banking industry. Furthermore, the service quality also influences customers' satisfactory level. For these reasons, I am interested in researching further about service quality in banking industry. This study aims at (1 finding out factors that influence customers' banking choice (sharia and conventional banks, finding out service index comparison between sharia and conventional banks, and finding out the service quality difference between sharia and conventional banks. The instrument used to compare the service quality was SERVQUAL. The data was descriptively analysed and comparatively analysed using T-test. Descriptive analysis was employed to find out the emerging patterns within the data while the T-test was utilised to analyse the correlation among variables in the questionnaire. The result of the study indicated that there were four components (tangibleness, assurance, reliability and empathy of the service quality which ranked the highest, scoring 3.69. The similar result of highest score of tangibleness, scoring 3.65, was also indicated for conventional bank. Additionally, the result of the study also indicated that sharia bank scored higher in terms of its quality on the point of 3.53, while conventional bank was on the point of 3.50. Abstrak: Sejak sepuluh tahun terakhir, fokus strategis layanan industri ritel perbankan telah mengalami pergeseran dari harga (price menuju kepada kualitas pelayanan (service quality. Alasannya adalah karena munculnya persaingan, tantangan yang berat, lingkungan bisnis yang stabil

  7. Bank Diversification Effects on Bank Performance and Risk Profile of Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

    Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

  8. Anomalous polymer collapse winding angle distributions

    Science.gov (United States)

    Narros, A.; Owczarek, A. L.; Prellberg, T.

    2018-03-01

    In two dimensions polymer collapse has been shown to be complex with multiple low temperature states and multi-critical points. Recently, strong numerical evidence has been provided for a long-standing prediction of universal scaling of winding angle distributions, where simulations of interacting self-avoiding walks show that the winding angle distribution for N-step walks is compatible with the theoretical prediction of a Gaussian with a variance growing asymptotically as Clog N . Here we extend this work by considering interacting self-avoiding trails which are believed to be a model representative of some of the more complex behaviour. We provide robust evidence that, while the high temperature swollen state of this model has a winding angle distribution that is also Gaussian, this breaks down at the polymer collapse point and at low temperatures. Moreover, we provide some evidence that the distributions are well modelled by stretched/compressed exponentials, in contradistinction to the behaviour found in interacting self-avoiding walks. Dedicated to Professor Stu Whittington on the occasion of his 75th birthday.

  9. Design and Analysis of Collapsible Scissor Bridge

    Directory of Open Access Journals (Sweden)

    Biro Mohamad Nabil Aklif

    2018-01-01

    Full Text Available Collapsible scissor bridge is a portable bridge that can be deployed during emergency state to access remote areas that are affected by disaster such as flood. The objective of this research is to design a collapsible scissor bridge which is able to be transported by a 4x4 vehicle and to be deployed to connect remote areas. The design is done by using Solidworks and numerical analysis for structural strength is conducted via ANSYS. The research starts with parameters setting and modelling. Finite element analysis is conducted to analyze the strength by determining the safety factor of the bridge. Kutzbach equation is also analyzed to ensure that the mechanism is able to meet the targeted degree of motion. There are five major components of the scissor structure; pin, deck, cross shaft and deck shaft. The structure is controlled by hydraulic pump driven by a motor for the motions. Material used in simulation is A36 structural steel due to limited library in ANSYS. However, the proposed material is Fiber Reinforced Polymer (FRP composites as they have a high strength to weight ratio. FRP also tends to be corrosion resistance and this characteristic is useful in flooded area.

  10. The Collapse of the Doha Round and a Possible Completion of Negotiations

    OpenAIRE

    Diana Popa

    2012-01-01

    The purpose of this article is to capture as much as possible, the defining of past and present Doha Round, seen as a unique opportunity to strengthen the multilateral trading system based on non-discriminatory rules and its preparation for the challenges of XXI century. Basing on an inductive reasoning, the article summarizes the stages preceding the current collapse, its impact on the world, and researchers opinion on the conclusion of successful negotiations in the Doha Round, in late 2011...

  11. Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

    Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

  12. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

  13. ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

    Full Text Available This research is intended to assess and analyze the financial health of Foreign Exchange Bank and Non-Foreign Exchange Bank. Assessment is done by looking at the financial ratios from 2011 to 2015, the results of each financial ratios performed comparison and analysis. The financial statements were obtained from the Indonesian Stock Exchange website. The conclusions of the analysis were compared with the indicators of Bank Indonesia's financial performance assessment released by Indonesia Bank. There is a significant difference between foreign exchange bank and non-foreign exchange bank. The ratio of financial ratios in the analysis includes NPL, CAR, ROA, LDR, and BOPO.

  14. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks

    Science.gov (United States)

    Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

    2015-01-01

    term. We also found that using a pre-freezing level of 18 x 108 TNC would be the most cost-effective strategy for a public bank. Conclusion Our study shows that a swift transition from strategy A to C can play a vital role in preventing public cord blood banks worldwide from collapsing. PMID:26624279

  15. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

    Directory of Open Access Journals (Sweden)

    Jeremy Magalon

    found that using a pre-freezing level of 18 x 10(8 TNC would be the most cost-effective strategy for a public bank.Our study shows that a swift transition from strategy A to C can play a vital role in preventing public cord blood banks worldwide from collapsing.

  16. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

    Science.gov (United States)

    Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

    2015-01-01

    using a pre-freezing level of 18 x 10(8) TNC would be the most cost-effective strategy for a public bank. Our study shows that a swift transition from strategy A to C can play a vital role in preventing public cord blood banks worldwide from collapsing.

  17. Perceived Risk towards Mobile Banking: A case study of Malaysia Young Adulthood

    Science.gov (United States)

    Shuhidan, Shuhaida Mohamed; Rahah Hamidi, Saidatul; Syazwani Saleh, Intan

    2017-08-01

    The advancement of technology and the raise of smart devices ownership in Malaysia has eventually increase the exploration of mobile banking services. Mobile banking has been first commercialized in Malaysia on 2005 and expected to growth. Despite the exponential growth, the mobile banking penetration rate is slow compared to online banking. This study aims to highlight the issues and challenges of mobile banking and to have insight on young adulthood perceived risk towards mobile banking, specifically in Malaysia. In order to support the exploratory study, these risks are surveyed in quantitative study conducted among young adulthood in Malaysia. The self-administered questionnaire distributed through email with 384 respondents indicated that the most impacted facets perceiveed risks are performance risk, following by security risk. The results of this study can be used by the practitioner to address the customer challenges, customer interest and concern for mobile banking service improvement.

  18. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

    Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

  19. The risk of collapse in abandoned mine sites: the issue of data uncertainty

    Science.gov (United States)

    Longoni, Laura; Papini, Monica; Brambilla, Davide; Arosio, Diego; Zanzi, Luigi

    2016-04-01

    Ground collapses over abandoned underground mines constitute a new environmental risk in the world. The high risk associated with subsurface voids, together with lack of knowledge of the geometric and geomechanical features of mining areas, makes abandoned underground mines one of the current challenges for countries with a long mining history. In this study, a stability analysis of Montevecchia marl mine is performed in order to validate a general approach that takes into account the poor local information and the variability of the input data. The collapse risk was evaluated through a numerical approach that, starting with some simplifying assumptions, is able to provide an overview of the collapse probability. The final results is an easy-accessible-transparent summary graph that shows the collapse probability. This approach may be useful for public administrators called upon to manage this environmental risk. The approach tries to simplify this complex problem in order to achieve a roughly risk assessment, but, since it relies on just a small amount of information, any final user should be aware that a comprehensive and detailed risk scenario can be generated only through more exhaustive investigations.

  20. Probabilistic Modeling of Landfill Subsidence Introduced by Buried Structure Collapse - 13229

    International Nuclear Information System (INIS)

    Foye, Kevin; Soong, Te-Yang

    2013-01-01

    The long-term reliability of land disposal facility final cover systems - and therefore the overall waste containment - depends on the distortions imposed on these systems by differential settlement/subsidence. The evaluation of differential settlement is challenging because of the heterogeneity of the waste mass and buried structure placement. Deterministic approaches to long-term final cover settlement prediction are not able to capture the spatial variability in the waste mass and sub-grade properties, especially discontinuous inclusions, which control differential settlement. An alternative is to use a probabilistic model to capture the non-uniform collapse of cover soils and buried structures and the subsequent effect of that collapse on the final cover system. Both techniques are applied to the problem of two side-by-side waste trenches with collapsible voids. The results show how this analytical technique can be used to connect a metric of final cover performance (inundation area) to the susceptibility of the sub-grade to collapse and the effective thickness of the cover soils. This approach allows designers to specify cover thickness, reinforcement, and slope to meet the demands imposed by the settlement of the underlying waste trenches. (authors)

  1. The risk of collapse in abandoned mine sites: the issue of data uncertainty

    Directory of Open Access Journals (Sweden)

    Longoni Laura

    2016-04-01

    Full Text Available Ground collapses over abandoned underground mines constitute a new environmental risk in the world. The high risk associated with subsurface voids, together with lack of knowledge of the geometric and geomechanical features of mining areas, makes abandoned underground mines one of the current challenges for countries with a long mining history. In this study, a stability analysis of Montevecchia marl mine is performed in order to validate a general approach that takes into account the poor local information and the variability of the input data. The collapse risk was evaluated through a numerical approach that, starting with some simplifying assumptions, is able to provide an overview of the collapse probability. The final results is an easy-accessible-transparent summary graph that shows the collapse probability. This approach may be useful for public administrators called upon to manage this environmental risk. The approach tries to simplify this complex problem in order to achieve a roughly risk assessment, but, since it relies on just a small amount of information, any final user should be aware that a comprehensive and detailed risk scenario can be generated only through more exhaustive investigations.

  2. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system

  3. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

    Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

  4. Disruption in Banking in Emerging Market Economy: An Empirical Study of India

    Directory of Open Access Journals (Sweden)

    Reena Agrawal

    2017-12-01

    Full Text Available The present study was taken up to capture the ongoing disruptions in banking in the Indian economy. The objective of this research was to: (1 study the initiatives taken by Reserve Bank of India to stimulate the payment market, (2 explore the disruptions in the Indian payment space, (3 examine the digitization at banks in India and (4 identify the challenges faced by traditional Indian banks and (5 propose measures to cope with threats posed by non-bank players. The study found that as technology companies and other non-bank players have successfully penetrated into large customer segments by offering basic banking services, to the customers at their doorsteps and at their convenience; it is obligatory for the traditional banks to expand market outreach and enrich service quality via digital podia, strategic alliances and disruptive innovations, in case they wish to avoid the risk of being relegated to back-office utilities.

  5. Case Study of Online Banking in India: User Behaviors and Design Guidelines

    Science.gov (United States)

    Iyengar, Jhumkee; Belvalkar, Manisha

    This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users' outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. Design lessons suggest viewing online banking not just as a convenience alone anymore but beyond it, to provide service, simplicity and security. This will create satisfied online banking customers and therefore profitability for the bank.

  6. Non-Spherical Gravitational Collapse of Strange Quark Matter

    Institute of Scientific and Technical Information of China (English)

    Zade S S; Patil K D; Mulkalwar P N

    2008-01-01

    We study the non-spherical gravitational collapse of the strange quark null fluid.The interesting feature which emerges is that the non-spherical collapse of charged strange quark matter leads to a naked singularity whereas the gravitational collapse of neutral quark matter proceeds to form a black hole.We extend the earlier work of Harko and Cheng[Phys.Lett.A 266 (2000) 249]to the non-spherical case.

  7. Collapsing dynamics of attractive Bose-Einstein condensates

    DEFF Research Database (Denmark)

    Bergé, L.; Juul Rasmussen, J.

    2002-01-01

    The self-similar collapse of 3D and quasi-2D atom condensates with negative scattering length is examined. 3D condensates are shown to blow up following the scenario of weak collapse, for which 3-body recombination weakly dissipates the atoms. In contrast, 2D condensates undergo a strong collapse......, that absorbs a significant amount of particles. (C) 2002 Elsevier Science B.V. All rights reserved....

  8. Simulation of weak and strong Langmuir collapse regimes

    International Nuclear Information System (INIS)

    Hadzievski, L.R.; Skoric, M.M.; Kono, M.; Sato, T.

    1998-01-01

    In order to check the validity of the self-similar solutions and the existence of weak and strong collapse regimes, direct two dimensional simulation of the time evolution of a Langmuir soliton instability is performed. Simulation is based on the Zakharov model of strong Langmuir turbulence in a weakly magnetized plasma accounting for the full ion dynamics. For parameters considered, agreement with self-similar dynamics of the weak collapse type is found with no evidence of the strong Langmuir collapse. (author)

  9. The collapse of acoustic waves in dispersive media

    International Nuclear Information System (INIS)

    Kuznetsov, E.A.; Musher, S.L.; Shafarenko, A.V.

    1983-01-01

    The existence of the collapse of acoustic waves with a positive dispersion is demonstrated. A qualitative description of wave collapse, based on the analysis of invariants, is proposed. Through the use of a numerical simulation, it is established that, in the Kadomtsev-Petviashvili three-dimensional equation, collapse is accompanied by the formation of a weakly turbulent background by the wave radiation from the cavity

  10. Radiologic evaluation of right middle lobe collapse

    International Nuclear Information System (INIS)

    Kwun, Dae Young; Kim, Jong Deok; Kim, Jong Chul

    1989-01-01

    There are many pathogenetic factors for collapse of right middle lobe; profuse peribronchial clustering of lymph nodes about the right middle lobe bronchus, poor drainage of the bronchus because of its acute angle of take-off from the intermediate bronchus, and the isolation of this small lobe from the right upper and lower lobes, and thus from the aerating effects of collateral ventilation. Retrospectively we reviewed 36 cases of right of right middle lobe collapse of which causes were confirmed by histopathologic or bronchographic findings during the recent 6 years from March 1983 to February 1988 at Inje College Pusan Paik Hospital, and obtained the following results: 1. Male to female ratio was 1:1:4,and peak incidence (64%) was in the fifth and sixth decades with the mean age of 51.1 years. 2. Bronchiectasis was the most common cause (30.6%), and the others were chronic bronchitis (25.0%), pulmonary tuberculosis (19.4%), lung cancer (16.7%), and non-specific inflammatory disease (8.3%). This suggests benign disease is 5 times more common cause of right middle lobe collapse than lung cancer. 3. Among the plain chest radiolograph findings, obliteration of right cardiac border and triangular radiopaque density were the most frequent findings(77.8% in each) and the next was downward and anterior displacement of minor and major fissures (55.6%) 4. Bronchography was done in 11 cases; bronchiectasis was found in 8 cases and chronic bronchitis in 3 cases. Right middle lobe bronchus was obstructed in 2 cases of chronic bronchitis. 5. Chest CT scan was performed in 4 cases of lung cancer, 2 of non-specific inflammatory disease, and 1 of pulmonary tuberculosis: all of lung cancer revealed hilar mass, budged or lobulated fissures, in homogenous density, and mediastinal lymph node enlargement, and all benign disease showed homogenous density and flat to concave fissures. Right middle lobar bronchus narrowing was seen in 5 cases and its obstruction in 2 cases

  11. The onset of coherence collapse in DBR lasers

    International Nuclear Information System (INIS)

    Woodward, S.L.; Koch, T.L.; Koren, U.

    1990-01-01

    The authors investigate how the onset of coherence collapse depends on laser output power. The lasers were three-section multiquantum-well distributed-Bragg-reflector (MQW-DBR) lasers. The fraction of light reflected back into the lasing mode was varied, and the point at which the transition to coherence collapse occurred was measured. This feedback level varies approximately linearly with laser output power. For these lasers, when the output power is 1 mW, the transition to coherence collapse beings when the optical feedback into the lasing mode is below - 40 dBm; when the feedback power is - 35 dBm the laser line is completely collapsed

  12. Developing empirical collapse fragility functions for global building types

    Science.gov (United States)

    Jaiswal, K.; Wald, D.; D'Ayala, D.

    2011-01-01

    Building collapse is the dominant cause of casualties during earthquakes. In order to better predict human fatalities, the U.S. Geological Survey’s Prompt Assessment of Global Earthquakes for Response (PAGER) program requires collapse fragility functions for global building types. The collapse fragility is expressed as the probability of collapse at discrete levels of the input hazard defined in terms of macroseismic intensity. This article provides a simple procedure for quantifying collapse fragility using vulnerability criteria based on the European Macroseismic Scale (1998) for selected European building types. In addition, the collapse fragility functions are developed for global building types by fitting the beta distribution to the multiple experts’ estimates for the same building type (obtained from EERI’s World Housing Encyclopedia (WHE)-PAGER survey). Finally, using the collapse probability distributions at each shaking intensity level as a prior and field-based collapse-rate observations as likelihood, it is possible to update the collapse fragility functions for global building types using the Bayesian procedure.

  13. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

    In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory pur...

  14. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  15. Improvement of group collapsing in TRANSX code

    International Nuclear Information System (INIS)

    Jeong, Hyun Tae; Kim, Young Cheol; Kim, Young In; Kim, Young Kyun

    1996-07-01

    A cross section generating and processing computer code TRANSX version 2.15 in the K-CORE system, being developed by the KAERI LMR core design technology development team produces various cross section input files appropriated for flux calculation options from the cross section library MATXS. In this report, a group collapsing function of TRANSX has been improved to utilize the zone averaged flux file RZFLUX written in double precision as flux weighting functions. As a result, an iterative calculation system using double precision RZFLUX consisting of the cross section data library file MATXS, the effective cross section producing and processing code TRANSX, and the transport theory calculation code TWODANT has been set up and verified through a sample model calculation. 4 refs. (Author)

  16. Magnetorotational Explosions of Core-Collapse Supernovae

    Directory of Open Access Journals (Sweden)

    Gennady S. Bisnovatyi-Kogan

    2014-12-01

    Full Text Available Core-collapse supernovae are accompanied by formation of neutron stars. The gravitation energy is transformed into the energy of the explosion, observed as SN II, SN Ib,c type supernovae. We present results of 2-D MHD simulations, where the source of energy is rotation, and magnetic eld serves as a "transition belt" for the transformation of the rotation energy into the energy of the explosion. The toroidal part of the magnetic energy initially grows linearly with time due to dierential rotation. When the twisted toroidal component strongly exceeds the poloidal eld, magneto-rotational instability develops, leading to a drastic acceleration in the growth of magnetic energy. Finally, a fast MHD shock is formed, producing a supernova explosion. Mildly collimated jet is produced for dipole-like type of the initial field. At very high initial magnetic field no MRI development was found.

  17. Inhomogeneities from quantum collapse scheme without inflation

    Energy Technology Data Exchange (ETDEWEB)

    Bengochea, Gabriel R., E-mail: gabriel@iafe.uba.ar [Instituto de Astronomía y Física del Espacio (IAFE), UBA-CONICET, CC 67, Suc. 28, 1428 Buenos Aires (Argentina); Cañate, Pedro, E-mail: pedro.canate@nucleares.unam.mx [Instituto de Ciencias Nucleares, UNAM, México D.F. 04510, México (Mexico); Sudarsky, Daniel, E-mail: sudarsky@nucleares.unam.mx [Instituto de Ciencias Nucleares, UNAM, México D.F. 04510, México (Mexico)

    2015-04-09

    In this work, we consider the problem of the emergence of seeds of cosmic structure in the framework of the non-inflationary model proposed by Hollands and Wald. In particular, we consider a modification to that proposal designed to account for breaking the symmetries of the initial quantum state, leading to the generation of the primordial inhomogeneities. This new ingredient is described in terms of a spontaneous reduction of the wave function. We investigate under which conditions one can recover an essentially scale free spectrum of primordial inhomogeneities, and which are the dominant deviations that arise in the model as a consequence of the introduction of the collapse of the quantum state into that scenario.

  18. Asymptotic safety, singularities, and gravitational collapse

    International Nuclear Information System (INIS)

    Casadio, Roberto; Hsu, Stephen D.H.; Mirza, Behrouz

    2011-01-01

    Asymptotic safety (an ultraviolet fixed point with finite-dimensional critical surface) offers the possibility that a predictive theory of quantum gravity can be obtained from the quantization of classical general relativity. However, it is unclear what becomes of the singularities of classical general relativity, which, it is hoped, might be resolved by quantum effects. We study dust collapse with a running gravitational coupling and find that a future singularity can be avoided if the coupling becomes exactly zero at some finite energy scale. The singularity can also be avoided (pushed off to infinite proper time) if the coupling approaches zero sufficiently rapidly at high energies. However, the evolution deduced from perturbation theory still implies a singularity at finite proper time.

  19. On spontaneous photon emission in collapse models

    International Nuclear Information System (INIS)

    Adler, Stephen L; Bassi, Angelo; Donadi, Sandro

    2013-01-01

    We reanalyze the problem of spontaneous photon emission in collapse models. We show that the extra term found by Bassi and Dürr is present for non-white (colored) noise, but its coefficient is proportional to the zero frequency Fourier component of the noise. This leads one to suspect that the extra term is an artifact. When the calculation is repeated with the final electron in a wave packet and with the noise confined to a bounded region, the extra term vanishes in the limit of continuum state normalization. The result obtained by Fu and by Adler and Ramazanoğlu from application of the Golden Rule is then recovered. (paper)

  20. Gas and vapor bubble growth and collapse

    International Nuclear Information System (INIS)

    Bonnin, J.; Reali, M.; Sardella, L.

    1976-01-01

    The rate of growth or collapse of a spherical bubble of gas or vapor under the effect of a nonequilibrium with the ambient liquid can be expressed in terms of generalized parameters taking into account either mass or heat diffusion. Diffusion equations have been solved either by numerical computation or under the form of a asymptotical solution, for a growing bubble only and with a constant nonequilibrium. Solutions are compared between them and with already published ones. Experimental results obtained match with a unique nonequilibrium parameter, analogous to a Jacob number. Discrepancies with asymptotical solutions can require in some cases complete numerical computation. But taking into account convection due to bubble lift will require a more sophisticated numerical computation [fr

  1. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...

  2. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  3. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  4. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

    The Islamic Development Bank (IDB) was opened formally in October 1975 to foster the economic development and social progress of its member countries and Moslem communities individually as well as jointly in accordance with the priniciples of Islamic law. Its functions include participation in equity capital, granting loans for projects and enterprises, extending training facilities, and promoting foreign trade, especially in capital goods, among the member countries. The 34-member Bank is capitalized at 2 billion Islamic Dinars and located in Jeddah, Saudi Arabia.

  5. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

    The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

  6. Nonprofit Human Milk Banking in the United States.

    Science.gov (United States)

    Updegrove, Kimberly

    2013-01-01

    Human milk, widely understood to be beneficial for infants, can be lifesaving for preterm neonates, especially in reducing the risk of necrotizing enterocolitis. Donor human milk (DHM) is an option when mothers are unable to provide milk or have an inadequate supply for their infants. Nonprofit donor human milk banks are established to provide safe, processed human milk from milk donated by healthy lactating mothers who have undergone a rigorous screening process. These milk banks, operating under the auspices of the Human Milk Banking Association of North America, obtain, process, and dispense human milk under strict guidelines set by the association. Increasing the supply of donor human milk to meet a dramatic increase in demand poses a significant challenge for nonprofit milk banks. Efforts to increase supply nationwide include education of providers, use of social media to engage potential donors, and outreach to news media. In parallel, milk banks are establishing regional depots to collect donations, and additional milk banks are being developed. This article describes the current nonprofit milk bank industry in the United States, its challenges, and its future prospects. © 2013 by the American College of Nurse‐Midwives.

  7. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    Market discipline in banking requires that explicit and implicit insurance schemes for financial sector firms are limited, and that the lack of insurance of important stakeholders is credible. This credibility cannot be achieved without transparent, predictable procedures for distress resolution for banks, including explicit rules for the liquidation of insolvent banks. We find that very few European countries have explicit procedures for dealing with problem banks. The propositions tested in...

  8. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

    Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

  9. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

    Full Text Available The study analyzes the competition on the banking market and proposes an overview of debt collection companies through the economic crisis which has profoundly affected the banking sector. Article scroll through the main features of competition on the banking market as well as the domain weaknesses that negatively influenced the banking system performance. Even if there is not a sufficiently transparent and functional legal framework and debt recovery market is not supervised enough, it is among the few markets that increase from year to year. Increasing competition from adjacent companies that compete with banks, namely, a non-banking entity, it is stimulating the banking system which will thus become more constructive. It is estimated, that in terms of customers, there will be no differentiation between the banking industry and non-banking entities that will reshape the Romanian banking system soon. Also, the study aims to highlight the existence of debt collection companies, implicitly, the specific markets, it is only a consequence of excessive, unnecessary and dangerous borrowing from previous years. Avoiding bad loans from banks, a fair competition from banks and from non-banking institutions, in the long term, it will generate a balance in the market and it will support economic growth of Romania.

  10. RISK INTEGRATION MECHANISMS AND APPROACHES IN BANKING INDUSTRY

    OpenAIRE

    JIANPING LI; JICHUANG FENG; XIAOLEI SUN; MINGLU LI

    2012-01-01

    Recently, the number of consultative documents and research papers that discuss risk integration has grown considerably. This paper presents a comprehensive review of the work done on risk integration in the banking industry. This survey includes: (1) risk integration methods within regulatory frameworks and the banking industry; (2) challenges of risk integration; (3) risk interaction mechanisms; (4) development of risk integration approaches; (5) risk interaction results: diversification ve...

  11. The application of holistic risk management in the banking industry

    OpenAIRE

    2008-01-01

    The banking industry in South Africa is facing three main challenges, namely: continuous change, foreign competition, and increasing levels of risk. These problems flow mainly from cultural diversity, globalisation, and rapid technological development in systems and communication. Decreasing predictability stems to a great extent from a lack of foreknowledge of how globalisation will develop, and how it can influence the South African banking industry in general and holistic risk management (...

  12. Clinical grade adult stem cell banking.

    Science.gov (United States)

    Thirumala, Sreedhar; Goebel, W Scott; Woods, Erik J

    2009-07-01

    There has been a great deal of scientific interest recently generated by the potential therapeutic applications of adult stem cells in human care but there are several challenges regarding quality and safety in clinical applications and a number of these challenges relate to the processing and banking of these cells ex-vivo. As the number of clinical trials and the variety of adult cells used in regenerative therapy increases, safety remains a primary concern. This has inspired many nations to formulate guidelines and standards for the quality of stem cell collection, processing, testing, banking, packaging and distribution. Clinically applicable cryopreservation and banking of adult stem cells offers unique opportunities to advance the potential uses and widespread implementation of these cells in clinical applications. Most current cryopreservation protocols include animal serum proteins and potentially toxic cryoprotectant additives (CPAs) that prevent direct use of these cells in human therapeutic applications. Long term cryopreservation of adult stem cells under good manufacturing conditions using animal product free solutions is critical to the widespread clinical implementation of ex-vivo adult stem cell therapies. Furthermore, to avoid any potential cryoprotectant related complications, reduced CPA concentrations and efficient post-thaw washing to remove CPA are also desirable. The present review focuses on the current strategies and important aspects of adult stem cell banking for clinical applications. These include current good manufacturing practices (cGMPs), animal protein free freezing solutions, cryoprotectants, freezing & thawing protocols, viability assays, packaging and distribution. The importance and benefits of banking clinical grade adult stem cells are also discussed.

  13. An Evaluation of Banks' Liability in Robbery Incidents at Banks ...

    African Journals Online (AJOL)

    The spate of armed robbery attack on banks in the last decade has been alarming. It is hoped with the current Central Bank of Nigeria (CBN) cashless policy there will be a drastic drop in such incidents. However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount ...

  14. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

    Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both

  15. Capital Adequacy in Banks: Reflections on Selected Banks in ...

    African Journals Online (AJOL)

    In principle, bank capital serves two functions. First, it represents the value of shareholder's equity, and secondly, it is the value of the buffer stock available to absorb unexpected losses. Because of this second function, it is argued that a bank's capital must be adequate. Adequate capital is the foundation of any banking ...

  16. Large-scale Instability during Gravitational Collapse with Neutrino Transport and a Core-Collapse Supernova

    Science.gov (United States)

    Aksenov, A. G.; Chechetkin, V. M.

    2018-04-01

    Most of the energy released in the gravitational collapse of the cores of massive stars is carried away by neutrinos. Neutrinos play a pivotal role in explaining core-collape supernovae. Currently, mathematical models of the gravitational collapse are based on multi-dimensional gas dynamics and thermonuclear reactions, while neutrino transport is considered in a simplified way. Multidimensional gas dynamics is used with neutrino transport in the flux-limited diffusion approximation to study the role of multi-dimensional effects. The possibility of large-scale convection is discussed, which is interesting both for explaining SN II and for setting up observations to register possible high-energy (≳10MeV) neutrinos from the supernova. A new multi-dimensional, multi-temperature gas dynamics method with neutrino transport is presented.

  17. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  18. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

    Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

  19. American Association of Tissue Banks

    Science.gov (United States)

    ... Committees Accreditation American Board of Tissue Banking Bylaws / Ethics Communications Donor Family Services Ad Hoc Committee Education Finance ... Bureau Accredited Bank Search Bookstore Bulletins Global Topics Communications & Media Job Center News Releases Patients and Community Useful ...

  20. Analisis Perbandingan Kinerja Pada Bank Nasional, Bank Campuran, Dan Bank Asing Yang Terdaftar Di Bursa Efek Indonesia

    OpenAIRE

    Angel, Christania Graciella

    2014-01-01

    Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

  1. Power Doppler ultrasound phenotyping of expanding versus collapsed popliteal lymph nodes in murine inflammatory arthritis.

    Directory of Open Access Journals (Sweden)

    Echoe M Bouta

    Full Text Available Rheumatoid arthritis is a chronic inflammatory disease manifested by episodic flares in affected joints that are challenging to predict and treat. Longitudinal contrast enhanced-MRI (CE-MRI of inflammatory arthritis in tumor necrosis factor-transgenic (TNF-Tg mice has demonstrated that popliteal lymph nodes (PLN increase in volume and contrast enhancement during the pre-arthritic "expanding" phase of the disease, and then suddenly "collapse" during knee flare. Given the potential of this biomarker of arthritic flare, we aimed to develop a more cost-effective means of phenotyping PLN using ultrasound (US imaging. Initially we attempted to recapitulate CE-MRI of PLN with subcutaneous footpad injection of US microbubbles (DEFINITY®. While this approach allowed for phenotyping via quantification of lymphatic sinuses in PLN, which showed a dramatic decrease in collapsed PLN versus expanding or wild-type (WT PLN, electron microscopy demonstrated that DEFINITY® injection also resulted in destruction of the lymphatic vessels afferent to the PLN. In contrast, Power Doppler (PD US is innocuous to and efficiently quantifies blood flow within PLN of WT and TNF-Tg mice. PD-US demonstrated that expanding PLN have a significantly higher normalized PD volume (NPDV versus collapsed PLN (0.553 ± 0.007 vs. 0.008 ± 0.003; p0.030 and lower (<0.016 quartile NPDVs in this cohort of mice, which serve as conservative thresholds to phenotype PLN as expanding and collapsed, respectively. Interestingly, of the 12 PLN phenotyped by the two methods, there was disagreement in 4 cases in which they were determined to be expanding by CE-MRI and collapsed by PD-US. Since the adjacent knee had evidence of synovitis in all 4 cases, we concluded that the PD-US phenotyping was correct, and that this approach is currently the safest and most cost-effective in vivo approach to phenotype murine PLN as a biomarker of arthritic flare.

  2. Human milk banking.

    Science.gov (United States)

    O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

    2013-01-01

    Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

  3. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  4. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

    UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

  5. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  6. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

    This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

  7. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  8. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

    The article deals with problems related to the stochastic frontier model of bank efficiency measurement. The model is used to study the efficiency of the banking sector of The Russian Federation. It is based on the stochastic approach both to the efficiency frontier location and to individual bank efficiency values. The model allows estimating bank efficiency values, finding relations with different macro- and microeconomic factors and testing some economic hypotheses.

  9. The efficiency of bank branches

    OpenAIRE

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

    Banking industry has significant contribution in development of economies of developing countries. Most banks execute their operations through different branches. Therefore it is important to measure the relative efficiencies of these branches. Data envelopment analysis (DEA) is one of the most useful tools in measuring banks’ performance. The present paper aims to extract ranking pattern of banks based on performance evaluation using DEA analysis. In the present research, 120 bank branches o...

  10. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks? branches is also a relevant issue as any significant improvement in cash management at the bank ...

  11. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

    We analyze the desirability of fair pricing of government guarantees for bank liabilities. Fair pricing is desirable only if the banking sector is sufficiently transparent. In opaque banking systems, fair pricing may exacerbate banks' incentive to take excessive risks.

  12. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

    ... Peoples Bank and Trust Company, both of North Carrollton, Mississippi. B. Federal Reserve Bank of Dallas... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

  13. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

  14. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-26

    ... control of Bank of Odessa, both in Odessa, Missouri, Commercial Bank of Oak Grove, Oak Grove, Missouri... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

  15. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

  16. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

  17. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

  18. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

  19. Can a collapse of global civilization be avoided?

    OpenAIRE

    Ehrlich, Paul R.; Ehrlich, Anne H.

    2013-01-01

    Environmental problems have contributed to numerous collapses of civilizations in the past. Now, for the first time, a global collapse appears likely. Overpopulation, overconsumption by the rich and poor choices of technologies are major drivers; dramatic cultural change provides the main hope of averting calamity.

  20. Can a collapse of global civilization be avoided?

    Science.gov (United States)

    Ehrlich, Paul R; Ehrlich, Anne H

    2013-03-07

    Environmental problems have contributed to numerous collapses of civilizations in the past. Now, for the first time, a global collapse appears likely. Overpopulation, overconsumption by the rich and poor choices of technologies are major drivers; dramatic cultural change provides the main hope of averting calamity.