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.

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 ,

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.

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.

[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.

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

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.

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.

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.

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...

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

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...

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

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.

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.

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.

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...

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.

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.

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.

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.

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.

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

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.

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...

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...

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.

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.

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.

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.

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...

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.

The Challenges of Basel III for Romanian Banking System

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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.

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...

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

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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.

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.

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

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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.

DISTRIBUTION OF BANKING PRODUCTS AND SERVICES

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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

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

BANKING WITHOUT INTEREST

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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.

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...

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.

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.

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

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...

How Unstable Are Complex Financial Systems? Analyzing an Inter-bank Network of Credit Relations

Science.gov (United States)

Sinha, Sitabhra; Thess, Maximilian; Markose, Sheri

The recent worldwide economic crisis of 2007-09 has focused attention on the need to analyze systemic risk in complex financial networks. We investigate the problem of robustness of such systems in the context of the general theory of dynamical stability in complex networks and, in particular, how the topology of connections influence the risk of the failure of a single institution triggering a cascade of successive collapses propagating through the network. We use data on bilateral liabilities (or exposure) in the derivatives market between 202 financial intermediaries based in USA and Europe in the last quarter of 2009 to empirically investigate the network structure of the over-the-counter (OTC) derivatives market. We observe that the network exhibits both heterogeneity in node properties and the existence of communities. It also has a prominent core-periphery organization and can resist large-scale collapse when subjected to individual bank defaults (however, failure of any bank in the core may result in localized collapse of the innermost core with substantial loss of capital) but is vulnerable to system-wide breakdown as a result of an accompanying liquidity crisis.

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

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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.

FUTURE CHALLENGES TO THE ORGANIZATION OF ACCOUNTING IN TRADE BANKS

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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.

Review of collapse triggering mechanism of collapsible soils due to wetting

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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.

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.''

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.

THE CORPORATE GOVERNANCE IMPACT ON BANKING PERFORMANCE INCREASE

Directory of Open Access Journals (Sweden)

Mariana G. BUNEA

2013-12-01

Full Text Available The Gradual collapse of financial markets in the European Union since the fall of 2008 and economic crises at the credits portfolio level that followed, were generated by the several factors, often interdependent, both macroeconomic and microeconomic level, finally leading to the accumulation of excessive risk in the financial system. This excessive risk was partially caused by the deficiencies in Corporate Governance of the Financial Institutions and the especially banks deficiencies. Even if we can’t put down to the Corporate Governance crisis started, yet nonexistent or inadequacy of effective control mechanisms have determined to the excessive risk-taking by most credit institutions. This article aims to evaluate the application of Corporate Governance principles of the significant players within the Romanian banking system. The research methodology was based essentially on the technique of using the questionnaire, on Corporate Governance documents remarks published on the banks analyzed websites and on the using scoring methods in evaluating the application of Corporate Governance principles.

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

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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.

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.

REGULATION AND SUPERVISION OF BANKING ACTIVITY IN ROMANIA

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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.

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...

THE SOUNDNESS OF THE BANKING SYSTEM DURING THE GLOBAL FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Ioana-Iuliana TOMULEASA

2014-04-01

Full Text Available The economic world is currently under the sign of profound changes, determined, in a significant extent, by the mutations in financial markets, the regulatory and institutional changes, illustrating its powerful impact on the financial system actors. The paper’s main purpose is to provide a comparative analysis of the performance and efficiency of commercial banks in seven European Union countries and an empirical analysis regarding the soundness of the Romanian banking system. The analysis undertaken in the paper highlights the need for banks to apply essential adjustments in their activity, such as the orientation to a new banking model, or the gearing to the latest regulations and tighter conditions of supervision on the financial sector. There were pointed out a series of issues which captured the overwhelming implications of the global financial crisis on the “health” of the financial system in EU, noticing the need for further measures that have as a main goal the avoidance of a financial system collapse.

Measuring Systemic Risk of Banking in Indonesia: Conditional Value at Risk Model Application

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Harjum Muharam

2017-07-01

Full Text Available Systemic risk is a risk of collapse of the financial system that would cause the financial system is not functioning properly. Measurement of systemic risk in the financial institutions, especially banks are crucial, because banks are highly vulnerable to financial crisis. In this study, to estimate the conditional value-at-risk (CoVaR used quantile regression. Samples in this study of 9 banks have total assets of the largest in Indonesia. Testing the correlation between VaR and ΔCoVaR in this study using Spearman correlation and Kendall's Tau. There are five banks that have a significant correlation between VaR and ΔCoVaR, meanwhile four others banks in the sample did not have a significant correlation. However, the correlation coefficient is below 0.50, which indicates that there is a weak correlation between VaR and CoVaR.DOI: 10.15408/sjie.v6i2.5296

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...

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

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.)

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

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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.

Gravitational Waves from Gravitational Collapse

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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.

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.

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.

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.

ELECTRONIC BANKING SERVICES IN ECONOMY BASED ON KNOWLEDGE

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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

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.

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…

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.

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

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.

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

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.

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.

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.

Against Contextualism: Belief, Evidence, & the Bank Cases

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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.

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

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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.

USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

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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.

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

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...

The Decline of Traditional Banking Activities

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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.

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

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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.

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.

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.

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...

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.

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

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.

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.

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.

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 ...

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.

Tsunamis caused by submarine slope failures along western Great Bahama Bank.

Science.gov (United States)

Schnyder, Jara S D; Eberli, Gregor P; Kirby, James T; Shi, Fengyan; Tehranirad, Babak; Mulder, Thierry; Ducassou, Emmanuelle; Hebbeln, Dierk; Wintersteller, Paul

2016-11-04

Submarine slope failures are a likely cause for tsunami generation along the East Coast of the United States. Among potential source areas for such tsunamis are submarine landslides and margin collapses of Bahamian platforms. Numerical models of past events, which have been identified using high-resolution multibeam bathymetric data, reveal possible tsunami impact on Bimini, the Florida Keys, and northern Cuba. Tsunamis caused by slope failures with terminal landslide velocity of 20 ms -1 will either dissipate while traveling through the Straits of Florida, or generate a maximum wave of 1.5 m at the Florida coast. Modeling a worst-case scenario with a calculated terminal landslide velocity generates a wave of 4.5 m height. The modeled margin collapse in southwestern Great Bahama Bank potentially has a high impact on northern Cuba, with wave heights between 3.3 to 9.5 m depending on the collapse velocity. The short distance and travel time from the source areas to densely populated coastal areas would make the Florida Keys and Miami vulnerable to such low-probability but high-impact events.

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)

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...

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.

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....

BRAND AS A SOURCE OF COMPETITIVE BANKS IN POLAND

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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.

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

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.

Foreign Banking in Ukraine: Development Trends and Ownership Structure Regulation

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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.

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...

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.

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

A new emergency control for voltage stability utilizing the time overvoltage capability of large shunt capacitor banks

Energy Technology Data Exchange (ETDEWEB)

Taylor, Carson W; Vanleuven, Allen L; Nordstrom, Jerry M [Bonneville Power Administration, Portland, OR (United States)

1994-12-31

Electric utilities have become increasing concerned with the possibility of voltage instability and voltage collapse. Although many countermeasures are a possible, control based countermeasures are often the most cost effective. Voltage collapse is often only a threat during unusual conditions such as very high load and major outages. For these low probability conditions, low cost emergency controls may be the only cost effective countermeasures. This paper provides details on a prototype installation by the Bonneville Power Administration of a new low cost emergency control for voltage stability named CAPS (CAPacitor bank series group Shorting). (author) 6 refs., 5 figs.

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.

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.

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

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

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.

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.

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

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...

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.

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...

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...

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

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.

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

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.

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.

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.

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

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.

E-Banking and its features - Albania as a special case

Directory of Open Access Journals (Sweden)

Ermela Bashuri

2016-03-01

Full Text Available The e-banking system is a system which enables customers of financial institutions to perform financial transactions such as: balance inquiries, account transfers, bill payments and some of them offer even the possibility to make loan or credit card applications on a website operated by the institution via internet at any place or time. The e-banking is referred to as online banking or internet banking. The banks have chosen to be part of the wide world of Web in order to stay competitive in the fast changing world of business and also to take further advantages. This innovation (accompanied by globalization and technology development has”obliged” the business entities to redefine and remodel their operations. Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in designing and implementing macroeconomic policy. In the first section there is an overview of E-banking products and services offered world wide and in Albania as a special case. In the second section there is a general overview of the e-banking advantages and disadvantages. In the third part there is a discussion above the features, challenges, advantages and disadvantages of E-Banking vs traditional banking. In the last part there are given some general recommendations to be taken in consideration in order to maintain effective and to further develop the operating environment for the existing and potential e-banks.

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

European Banking Recovery and Resolution Directive: Potential Impacts on European Systemic Important Financial Institutions

Directory of Open Access Journals (Sweden)

Clements Akinsoyinu

2015-09-01

Full Text Available The great recession heralded in by the subprime mortgage crisis, took a dramatic turn for worse as a result of collapse of the Lehman Brothers bank in September 2008. The crisis deemed to be the most devastating after the Great Depression of 1929, had a debilitating effect on world economies, developing and advanced alike.  The extent of its devastation which  is still being felt in Europe and many parts of the globe reminds us the interconnectedness of financial institutions, particularly those tagged TBTF or SIFIs. Policy makers scrambled to curtail the ugly effect of the crisis by rescuing the SIFIs within their jurisdiction largely through bailout mechanism and provision of implicit guarantee for the debts of failing/failed institutions. As soon as the tide is stemmed, they cast their gaze on new crisis resolution and recovery measures that could rein in systemic risks associated with SIFIs, prevent future crises and reduce the concomitant moral hazards in the current resolution measures. This paper assesses ex ante the potential impact of implementing the new Banking recovery and resolution directives on Europe’s TBTF banksThe great recession heralded in by the subprime mortgage crisis, took a dramatic turn for worse as a result of collapse of the Lehman Brothers bank in September 2008. The crisis deemed to be the most devastating after the Great Depression of 1929, had a debilitating effect on world economies, developing and advanced alike.  The extent of its devastation which  is still being felt in Europe and many parts of the globe reminds us the interconnectedness of financial institutions, particularly those tagged TBTF or SIFIs. Policy makers scrambled to curtail the ugly effect of the crisis by rescuing the SIFIs within their jurisdiction largely through bailout mechanism and provision of implicit guarantee for the debts of failing/failed institutions. As soon as the tide is stemmed, they cast their gaze on new crisis

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...

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.

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.

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.

Predicting mining collapse: Superjerks and the appearance of record-breaking events in coal as collapse precursors

Science.gov (United States)

Jiang, Xiang; Liu, Hanlong; Main, Ian G.; Salje, Ekhard K. H.

2017-08-01

The quest for predictive indicators for the collapse of coal mines has led to a robust criterion from scale-model tests in the laboratory. Mechanical collapse under uniaxial stress forms avalanches with a power-law probability distribution function of radiated energy P ˜E-ɛ , with exponent ɛ =1.5 . Impending major collapse is preceded by a reduction of the energy exponent to the mean-field value ɛ =1.32 . Concurrently, the crackling noise increases in intensity and the waiting time between avalanches is reduced when the major collapse is approaching. These latter criteria were so-far deemed too unreliable for safety assessments in coal mines. We report a reassessment of previously collected extensive collapse data sets using "record-breaking analysis," based on the statistical appearance of "superjerks" within a smaller spectrum of collapse events. Superjerks are defined as avalanche signals with energies that surpass those of all previous events. The final major collapse is one such superjerk but other "near collapse" events equally qualify. In this way a very large data set of events is reduced to a sparse sequence of superjerks (21 in our coal sample). The main collapse can be anticipated from the sequence of energies and waiting times of superjerks, ignoring all weaker events. Superjerks are excellent indicators for the temporal evolution, and reveal clear nonstationarity of the crackling noise at constant loading rate, as well as self-similarity in the energy distribution of superjerks as a function of the number of events so far in the sequence Es j˜nδ with δ =1.79 . They are less robust in identifying the precise time of the final collapse, however, than the shift of the energy exponents in the whole data set which occurs only over a short time interval just before the major event. Nevertheless, they provide additional diagnostics that may increase the reliability of such forecasts.

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.

Belgium; Technical Note on Stress Testing the Banking and Insurance Sectors

OpenAIRE

International Monetary Fund

2013-01-01

The Belgium Financial Sector Assessment Program (FSAP) stress testing exercise examines a financial sector that remains in a state of transformation. Domestic economic challenges remain sources of continued uncertainty as the banking sector consolidates and reduces funding risks. Insurers face challenges from adverse economic and business conditions. Solvency and funding shocks under different macroeconomic scenarios were assessed. Both banking and insurance tests underscore the importance of...

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 ...

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.

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....

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.

Collapse of a historic oyster fishery: diagnosing causes and identifying paths toward increased resilience

Directory of Open Access Journals (Sweden)

Edward V. Camp

2015-09-01

Full Text Available Diagnosing causal factors of change at the ecosystem level is challenging because multiple drivers often interact at various spatial and temporal scales. We employ an integrated natural and social science approach to assess potential mechanisms leading to the collapse of an estuarine social-ecological system, and recommend future paths to increased system resilience. Our case study is the collapse of the eastern oyster (Crassostrea virginica fishery in Apalachicola Bay, Florida, USA, and the associated impacts on local resource dependent communities. The oyster fishery collapse is the most recent in a series of environmental stressors to this region, which have included hurricanes and tropical storms, drought, and the Deepwater Horizon oil spill. We found it likely that the oyster collapse was not related to contamination from the recent oil spill, but rather to factors affecting oyster recruitment and survival, which may have been mediated by both human, e.g., fishing-related habitat alteration, and environmental, e.g., increased natural mortality from predators and disease, factors. The relative impact of each of these factors is likely to increase in the future because of changing climate and increased demand for fishery, water, and petroleum resources. Successful restoration and persistence of a viable oyster fishery will depend on: (1 implementation of some minimal best management practices, e.g., extensive habitat restoration via shell addition, and some spatial closures to harvest, (2 improving environmental knowledge and promoting episodic learning through enhanced monitoring and experimental management, and (3 continued community engagement necessary to produce adaptable governance suitable to responding to future unexpected challenges.

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.

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.

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.

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

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.

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.

Collapsed polymer-directed synthesis of multicomponent coaxial-like nanostructures

KAUST Repository

Huang, Zhiqi

2016-07-19

Multicomponent colloidal nanostructures (MCNs) exhibit intriguing topologically dependent chemical and physical properties. However, there remain significant challenges in the synthesis of MCNs with high-order complexity. Here we show the development of a general yet scalable approach for the rational design and synthesis of MCNs with unique coaxial-like construction. The site-preferential growth in this synthesis relies on the selective protection of seed nanoparticle surfaces with locally defined domains of collapsed polymers. By using this approach, we produce a gallery of coaxial-like MCNs comprising a shaped Au core surrounded by a tubular metal or metal oxide shell. This synthesis is robust and not prone to variations in kinetic factors of the synthetic process. The essential role of collapsed polymers in achieving anisotropic growth makes our approach fundamentally distinct from others. We further demonstrate that this coaxial-like construction can lead to excellent photocatalytic performance over conventional core–shell-type MCNs.

Collapsed polymer-directed synthesis of multicomponent coaxial-like nanostructures

KAUST Repository

Huang, Zhiqi; Liu, Yijing; Zhang, Qian; Chang, Xiaoxia; Li, Ang; Deng, Lin; Yi, Chenglin; Yang, Yang; Khashab, Niveen M.; Gong, Jinlong; Nie, Zhihong

2016-01-01

Multicomponent colloidal nanostructures (MCNs) exhibit intriguing topologically dependent chemical and physical properties. However, there remain significant challenges in the synthesis of MCNs with high-order complexity. Here we show the development of a general yet scalable approach for the rational design and synthesis of MCNs with unique coaxial-like construction. The site-preferential growth in this synthesis relies on the selective protection of seed nanoparticle surfaces with locally defined domains of collapsed polymers. By using this approach, we produce a gallery of coaxial-like MCNs comprising a shaped Au core surrounded by a tubular metal or metal oxide shell. This synthesis is robust and not prone to variations in kinetic factors of the synthetic process. The essential role of collapsed polymers in achieving anisotropic growth makes our approach fundamentally distinct from others. We further demonstrate that this coaxial-like construction can lead to excellent photocatalytic performance over conventional core–shell-type MCNs.

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.

A MACROPRUDENTIAL SUPERVISION MODEL. EMPIRICAL EVIDENCE FROM THE CENTRAL AND EASTERN EUROPEAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Trenca Ioan

2013-07-01

Full Text Available One of the positive effects of the financial crises is the increasing concern of the supervisors regarding the financial system’s stability. There is a need to strengthen the links between different financial components of the financial system and the macroeconomic environment. Banking systems that have an adequate capitalization and liquidity level may face easier economic and financial shocks. The purpose of this empirical study is to identify the main determinants of the banking system’s stability and soundness in the Central and Eastern Europe countries. We asses the impact of different macroeconomic variables on the quality of capital and liquidity conditions and examine the behaviour of these financial stability indicators, by analyzing a sample of 10 banking systems during 2000-2011. The availability of banking capital signals the banking system’s resiliency to shocks. Capital adequacy ratio is the main indicator used to assess the banking fragility. One of the causes of the 2008-2009 financial crisis was the lack of liquidity in the banking system which led to the collapse of several banking institutions and macroeconomic imbalances. Given the importance of liquidity for the banking system, we propose several models in order to determine the macroeconomic variables that have a significant influence on the liquid reserves to total assets ratio. We found evidence that GDP growth, inflation, domestic credit to private sector, as well as the money and quasi money aggregate indicator have significant impact on the banking stability. The empirical regression confirms the high level of interdependence of the real sector with the financial-banking sector. Also, they prove the necessity for an effective macro prudential supervision at country level which enables the supervisory authorities to have an adequate control over the macro prudential indicators and to take appropriate decisions at the right time.

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...

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.

PRUDENTIAL SUPERVISION OF NON-BANKING FINANCIAL INSTITUTION: DEVELOPMENTS AND PROSPECTS

Directory of Open Access Journals (Sweden)

Adrian COSTEA

2011-08-01

Full Text Available This study addresses the practice of the supervision authority relating to performance evaluation of non-banking financial institutions from a prudential supervision perspective. First, it is described how non-banking financial institutions’ activity is regulated in the European Union and the current status of non-banking financial institutions’ sector in Romania. Then, the study presents the challenges and opportunities faced by the supervision authority when evaluating the performance of non-banking financial institutions and, finally, defines a set of indicators based on which these institutions can be benchmarked against each other.

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.

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...

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...

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.

Barriers to Banking - Towards an Inclusive Banking Environment in South Africa.

Science.gov (United States)

Martinson, Estelle; Martinson, Johannes

2016-01-01

A recent study in South Africa on the barriers to banking which involved customers in three disability groups namely mobility, hearing and vision has highlighted that currently banking in South Africa is not accessible. Customers with a disability are unable to independently use banking services across a wide range of channels. Exclusion from something as fundamental as managing their own financial affairs raise serious human rights concerns and requires committed action from decision-makers to address this. The fact that solutions to all of the identified barriers have been successfully implemented in banks in other parts of the world for many years emphasize that this is not a technical challenge. While some solutions require complex or expensive changes such as removing physical access barriers and ensuring that digital channels meet internationally accepted standards of accessibility, there are many simple and low-cost solutions which can be implemented immediately and would make a world of difference to these customers and their experience of banking. One key barrier which emerged in all the focus groups and surveys is attitudinal barriers - staff who are unwilling to assist, impatient, interact with the customer's assistant instead of directly with them and lack basic skills on how to interact with someone who has a disability. A comprehensive framework of banking was used to identify a wide range of barriers. The barriers were classified as attitudinal, barriers to physical access, digital access barriers, barriers to information, communication barriers and some generic concerns such as safe evacuation during emergencies and alternative authentication. Both the barriers and the solutions where ranked by participants. From a theoretical perspective, the benefit of a customer-centric approach to understanding these barriers and the innovation potential of a Universal Design approach is affirmed by this study.

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.

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.

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.

EVOLUTION OF CUSTOMERS’ SEGMENTATION TECHNIQUES IN RETAIL BANKING

Directory of Open Access Journals (Sweden)

PASCU ADRIAN IONUT

2017-11-01

Full Text Available In the context of a highly competitive market influenced by legislative changes, the technology evolution and the changes of customer’s behavior, traditional banks must be able to provide the services and products expected by customers. The most important method in retail banking by which a bank can interact with as many customers as possible to ensure satisfaction and loyalty is the notion of customers’ segmentation. The current situation from the perspective of customers’ expectations will be brought to your attention, as well as the future situation from the perspective of legislative changes and which are the main variables and techniques that allow us a relevant customers’ segmentation in this context. The challenges and opportunities of the Directive PDS2 (Payment Service Directive [7] will be analyzed, which together with the results of a study carried out by Ernst & Young "The relevance of the challenge: what retail banks must do to remain in the game" [5], make me say that now, more than ever, commercial banks must pay special attention to customer‘ segmentation. The objective of this paper is to present the evolution of the customers’ segmentation process starting from the 50’s – 60’s, when the first segmentation techniques appeared, until now, when because of the large quantities of data, there are used increasingly advanced techniques for extracting and interpreting data.

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

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...

Quality of Non-Interest Banking Services and Customers’ Satisfaction: Evidence from Jaiz Bank PLC, Kaduna, Nigeria

Directory of Open Access Journals (Sweden)

Yusuf Ismaila Mustapha

2017-02-01

Full Text Available The dwindling levels of service quality in Nigerian financial institutions had resulted in abysmal performance of most banks and other financial institutions in the sector and this challenge has made it imperative for financial firms to be customer centered in all their operational activities. The purpose of this study is to determine the effect of service quality of non-interest bank on customers’ satisfaction using Jaiz Bank PLC, Kaduna as a case study. The study utilized convenience and snowball sampling techniques to select 147 customers who served as respondents in the study. Correlation and multiple regression analysis were employed as analytical techniques. The results show that compliance with Islamic laws is highly correlated with customer satisfaction which was followed respectively by assurance, reliability, tangibility, responsiveness and empathy dimensions. It was also discovered that the six service quality dimensions significantly influenced the satisfaction of Jaiz Bank Plc, Kaduna branch customers’. The study recommends that management of the bank should exploit and maneuver the service quality dimensions as a survival strategy for improving customers’ satisfaction in an industry characterized by intense competition and environmental dynamism.

Diversification and Community Bank Performance during a Financial Crisis

Directory of Open Access Journals (Sweden)

Kathy Estes

2014-11-01

Full Text Available Many U.S. banks failed or performed poorly during the recent financial crisis.  Although the costliest failures were large institutions, the majority of failures were community banks (less than $1 billion in total assets.  Community banks, which are considered instrumental in small business lending and employment growth, face different risks and challenges than their larger counterparts, including a lack of economies of scale and scope and exclusion from “too-big-to-fail” status.  These challenges, coupled with the recent failures, motivate research into potential strategies managers can use to improve performance.  This study examined the relationship between three potential diversification strategies and community bank risk-adjusted performance from 2007 to 2011.  Understanding these relationships could improve management’s decision-making, allowing them to choose risk-mitigating strategies during a severe economic downturn.  Herfindahl-Hirschman Indexes (HHIs were calculated as proxies for geographic, activity, and asset diversification.  Multiple regression models for each of the five years were used to calculate the impact of diversification variables on risk-adjusted ROA.  The results show that diversification in all areas is directly related to performance; however, only the asset diversification relationship is significant.  To the extent possible for community banks, diversification may improve risk-adjusted performance.

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

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...

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.

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

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

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.

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.

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.

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.

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

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.

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

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...

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...

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...

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.

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

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

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...

Can banks offer digital keys for health care?

Science.gov (United States)

Casillas, John

2013-01-01

In the quest to implement electronic health care records, health care stakeholders have uncovered an elephant in the room - how to implement patient identity and integrity solutions. Without this, linking the unique records of an individual is impossible. An inaccurate record can be dangerous for prescribing treatment. Yet many consider a unique patient identifier as an unacceptable privacy risk. Medical banking, or the convergence of banking and heath IT systems, is spawning new ideas that could impact on this difficult area. This article suggests that new forms of efficiency in payment processing may yield a common, cross-industry technology platform for managing digital identity by banks. Redefining a bank based on core competencies, the article looks at three areas: (1) the "identity theft arms race"; (2) innovations in payment processing; and (3) consumer engagement, and suggests that, as banking and health care systems converge, digital identity may become the new money. This realization may find banks fully engaged in helping health care to overcome the challenge of patient identity and integrity.

Oil and gas activities of the world bank

International Nuclear Information System (INIS)

Hossein, R.

1993-01-01

The oil crisis of the 1970s profoundly challenged the economies of most developing countries. The crisis hit the the oil-importing countries severely, and many suffered deteriorating balances of payments and increasingly unmanageable import bills. It was in this context, in July 1977, that the World Bank's Executive Directors approved an expanded program of lending to assist the Bank's client countries in developing their own energy resources. In 1978, the Bonn Summit and the Secretary General of the United Nations endorsed the initiation of new approaches in the energy sector by the World Bank, particularly in financing oil exploration in countries that were significant oil importers. The new initiative led to a rapid expansion of the World Bank's lending for oil and gas projects, which reached about $1 billion in 1983

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

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.

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

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.

Electronic fraud (cyber fraud risk in the banking industry, Zimbabwe

Directory of Open Access Journals (Sweden)

Shewangu Dzomira

2014-06-01

Full Text Available The paper explores forms of electronic fraud which are being perpetrated in the banking industry and the challenges being faced in an attempt to combat the risk. The paper is based on a descriptive study which studied the cyber fraud phenomenon using content analysis. To obtain the data questionnaires and interviews were administered to the selected informants from 22 banks. Convenience and judgemental sampling techniques were used. It was found out that most of the cited types of electronic fraud are perpetrated across the banking industry. Challenges like lack of resources (detection tools and technologies, inadequate cyber-crime laws and lack of knowledge through education and awareness were noted. It is recommended that the issue of cyber security should be addressed involving all the stakeholders so that technological systems are safeguarded from cyber-attacks

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)

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)

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.

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

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

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...

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…

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

Research on listed bank profit model under the interest rate liberalization

Directory of Open Access Journals (Sweden)

Geyao Zhu

2017-03-01

Full Text Available With constantly deepening the interest rate liberalization, shrinking the net interest margin and the ever-rising non-performing loan ratio, the traditional commercial banks with the main profit model of credit suffers from a severe challenge. The research significance of this paper lies in helping China’s commercial bank convert management philosophy, developing a new financial business and improving the profit model. Through the empirical research of 80 samples of China’s listed commercial banks: under the condition of interest rate liberalization, the net interest margin is still the current major profit model of the commercial bank, but the intermediate business is the future development model of the commercial banks.

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.

Social Media Marketing – Analysis of Online presence of Slovak banks

Directory of Open Access Journals (Sweden)

Tomas Feige

2013-07-01

Full Text Available Paper focuses on areas of Social Media Marketing and Social Network Analysis. It describes case-study of joint university-business project of analysis of online presence of Slovak banks which took place in cooperation with IBM CZ in early 2012. This project was aimed at general analysis of online presence of Slovak banks, uncovering the structure of various channels and forms of bank-customer interaction and identifying key actors in banks social networks along with general sentiment and climate. Paper gives a general overview of the project and its challenges and presents high-level results.

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...

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.

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.

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

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

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

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

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.

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.

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 ...

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...

An Exploratory Study On Bank Lending To SME Sector In Bhutan

Directory of Open Access Journals (Sweden)

Chokey Wangmo

2017-11-01

Full Text Available This study examines the factors used by the banks to determine the outcome of loan applications of Small and Medium Enterprises SMEs in Bhutan. Inaccessibility to financing is one of the biggest challenges faced by the Bhutanese SMEs. This exploratory study is built on in-depth interview of 6 credit officials to understand the lending behaviour of banks towards SMEs. Thematic Analysis revealed that the bank loan accessibility was a function of firm and owner characteristics. The collateral and internal finance was found to be vital in determining SMEs accessibility to bank loans. SMEs inadequate financial information was a serious problem for the banks. Firm age size and industry sector had a positive correlation with bank loan accessibility. The age and educational qualification of borrowers were also found to have a positive relationship while the gender of the owner did not have any effect on bank loan accessibility.

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....

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...

Finite element analysis of the collapse and post-collapse behavior of steel pipes applications to the oil industry

CERN Document Server

Dvorkin, Eduardo N

2013-01-01

This book presents a detailed discussion of the models that were developed to simulate the collapse and post-collapse behavior of steel pipes. The finite element method offers to engineers the possibility of developing models to simulate the collapse behavior of casings inside oil wells and the collapse behavior of deepwater pipelines. However, if technological decisions are going to be reached from these model results, with implications for the economic success of industrial operations, for the occupational safety and health and for the environment, the engineering models need to be highly reliable. Using these models engineers can quantify the effect of manufacturing tolerances, wear, corrosion, etc. This book describes in great details the experimental programs that are developed to validate the numerical results.

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...

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.

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.

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....

Gravitational radiation from stellar collapse: The initial burst

International Nuclear Information System (INIS)

Shapiro, S.L.

1977-01-01

The burst of gravitational radiation emitted during the initial collapse and rebound of a homogeneous, uniformly rotating spheroid with internal pressure is analyzed numerically. The surface of the collapsing spheroid is assumed to start at rest from infinity with negligible eccentricity (''zero-energy collapse''). The adopted internal pressure function is constant on self-similar spheroidal surfaces, and its central value is described by a polytropic law with index n< or =3. The Newtonian equations of motion are integrated numerically to follow the initial collapse and rebound of the configuration for the special case in which the collapse is time-reversal invariant about the moment of maximum compression, and the total energy and frequency spectrum of the emitted quadrupole radiation are computed. The results are employed to estimate the (approx.minimum) total energy and frequency distribution of the initial burst of gravitational radiation emitted during the formation of low-mass (Mapproximately-less-thanM/sub sun/) neutron stars and during the collapse of supermassive gas clouds

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.

A cause of circulatory collapse that should be considered following trauma

Directory of Open Access Journals (Sweden)

Omar Hesham R

2010-08-01

Full Text Available Abstract Management of poly-trauma patients presenting to the emergency room is usually a challenging and formidable task. Two of the common problems seen in those patients are shock and neurological dysfunction. A huge differential for post-traumatic circulatory collapse exist and timely identification of the etiology is of utmost importance to avoid complications. In this report we are describing 2 cases presenting with circulatory collapse following trauma. The first case was a 29 year old female who presented after a motor vehicle accident fully conscious with severe hypotension and bradycardia. The second case presented with severe hemodynamic instability after falling at home. Physical examination of both patients revealed weakness in all 4 limbs and CT cervical spine revealed complete anterior sublaxation of C5 over C6 cervical vertebrae in the first case and partial sublaxation of C5 over C6 cervical vertebrae in the second case confirming that spinal cord injury is the likely cause for these hemodynamic alterations. A high index of suspicion for spinal cord injuries is therefore mandatory when managing a trauma patient presenting with quadriparesis and hemodynamic instability that is otherwise unexplained especially when the ensuing hypotension is associated with bradycardia instead of reflex tachycardia. Awareness of this cause of circulatory collapse is particularly important in the unconscious patient where eliciting sensory and motor deficits looking for spinal cord injury is not always feasible. Both patients were transferred to the intensive care unit and were maintained on epinephrine till becoming hemodynamically stable. The report aims to sensitize readers to this cause of post-traumatic circulatory collapse.

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...

Business process reengineering and Nigerian banking system efficiency

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2017-12-01

Full Text Available Prior to 2000, and before banks in Nigeria embraced the NBS was inefficient, characterized by frauds, long queues, nonperforming loans, illiquidity and distress. As one way of overcoming these challenges banks started to focus on BPR as a veritable tool to drive efficiency customer satisfaction and improved shareholder value. With the advent of BPR and process improvement efficiency gradually strolled back in to the NBS Against the prereengineering era when the liquidity ratio of the NBS was minus 15.92 percent in 1996 with no bank meeting the 30 percent minimum prudential requirement, the NBS had a positive average liquidity ratio of 65.69 in 2011 with all the banks meeting the 30 percent minimum liquidity ratio. The banks that introduced BPR early in the 2000s have remained without distress, liquid, efficient with high growths in gross earnings, total assets profitability and total equity. The research design was deployed for the study, and it was found that BPR has positive effect on NBS efficiency.

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.

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.

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

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...

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.

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

How summit calderas collapse on basaltic volcanoes: new insights from the April 2007 caldera collapse of Piton de la Fournaise volcano

Energy Technology Data Exchange (ETDEWEB)

Michon, Laurent; Catry, Thibault; Merle, Olivier [Laboratoire GeoSciences Reunion, Universite de la Reunion, Institut de Physique du Globe de Paris, CNRS, UMR 7154 - Geologie des Systemes Volcaniques, 15 avenue Rene Cassin, 97715 Saint Denis (France); Villeneuve, Nicolas [Institut de Recherche pour le Developpement, US 140, BP172, 97492 Sainte-Clotilde cedex (France)], E-mail: laurent.michon@univ-reunion.fr

2008-10-01

In April 2007, Piton de la Fournaise volcano experienced a caldera collapse during its largest historical eruption. We present here the resulting deformation and a synthesis of the seismicity recorded during recent caldera collapses. It allows us to propose a unifying mechanism that explains the pulsating collapse dynamics.

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.

CHEMICAL AND PHYSICAL CHARACTERIZATION OF COLLAPSING LOW-MASS PRESTELLAR DENSE CORES

Energy Technology Data Exchange (ETDEWEB)

Hincelin, U. [Department of Chemistry, University of Virginia, Charlottesville, VA 22904 (United States); Commerçon, B. [Ecole Normale Supérieure de Lyon, CRAL, UMR 5574 du CNRS, Université Lyon I, 46 Allée d’Italie, F-69364 Lyon cedex 07 (France); Wakelam, V.; Hersant, F.; Guilloteau, S. [Univ. Bordeaux, LAB, UMR 5804, F-33270, Floirac (France); Herbst, E., E-mail: ugo.hincelin@gmail.com [Departments of Chemistry and Astronomy, University of Virginia, Charlottesville, VA 22904 (United States)

2016-05-01

The first hydrostatic core, also called the first Larson core, is one of the first steps in low-mass star formation as predicted by theory. With recent and future high-performance telescopes, the details of these first phases are becoming accessible, and observations may confirm theory and even present new challenges for theoreticians. In this context, from a theoretical point of view, we study the chemical and physical evolution of the collapse of prestellar cores until the formation of the first Larson core, in order to better characterize this early phase in the star formation process. We couple a state-of-the-art hydrodynamical model with full gas-grain chemistry, using different assumptions for the magnetic field strength and orientation. We extract the different components of each collapsing core (i.e., the central core, the outflow, the disk, the pseudodisk, and the envelope) to highlight their specific physical and chemical characteristics. Each component often presents a specific physical history, as well as a specific chemical evolution. From some species, the components can clearly be differentiated. The different core models can also be chemically differentiated. Our simulation suggests that some chemical species act as tracers of the different components of a collapsing prestellar dense core, and as tracers of the magnetic field characteristics of the core. From this result, we pinpoint promising key chemical species to be observed.

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.

The Bank of North Dakota: a model for Massachusetts and other states?

OpenAIRE

Yolanda Kodrzycki; Tal Elmatad

2011-01-01

In 2010, Massachusetts legislators considered whether to create a state-owned bank as a means to address concerns about credit availability and other economic challenges stemming from the financial crisis and Great Recession of 2007-09. In 2011 a commission was established to investigate the feasibility of setting up such an institution. This research report informs the work of that commission. ; The report provides an in-depth examination of the only state-owned bank in the nation, the Bank ...

A cyber kill chain based taxonomy of banking Trojans for evolutionary computational intelligence

OpenAIRE

Kiwia, D; Dehghantanha, A; Choo, K-KR; Slaughter, J

2017-01-01

Malware such as banking Trojans are popular with financially-motivated cybercriminals. Detection of banking Trojans remains a challenging task, due to the constant evolution of techniques used to obfuscate and circumvent existing detection and security solutions. Having a malware taxonomy can facilitate the design of mitigation strategies such as those based on evolutionary computational intelligence. Specifically, in this paper, we propose a cyber kill chain based taxonomy of banking Trojans...

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

DID CREDIT CRUNCH CAUSE A COLLAPSE IN PRIVATE INVESTMENT?: TURKEY CASE

Directory of Open Access Journals (Sweden)

Birgül CAMBAZOĞLU

2011-07-01

Full Text Available The economists have focused on credit crunch since 1990’s. The economists are not in consensus as to what constitutes the credit crunch. The differences in definitions come from the causes of credit contraction. Credit crunch is generally accepted as an enormous decline period in credit supply. Although the credit crunch is seen as a supply phenomenon, some economists define it as a demand issue. Investment declines significantly as result of an increase in credit rationing. The purpose of this study is to investigate the dependence of private investment on money and credit supply in Turkey. In other words, we want to quantify the effect of credit contraction in the banking sector on private fixed investment. VAR model is used to identify the existence of credit crunch through four economic variables: Private fixed investment, money stock (M2, bank loans to private sector and interest rate of commercial loans for the period ranging from 2003:01 to 2010:08. According to results of this study, it can be said that the credit crunch that we dealt with as a supply phenomenon leads to an investment collapse (slump in Turkey. The paper proceeds as follows: Section I provides theoretical background of credit channels and credit crunch. Section II summarizes recent empirical studies. Section III describes variables and discusses the empirical findings of the model. Section IV provides concluding remarks.

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)

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.

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.

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.

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

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

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.

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.

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

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 ...

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.

Microencapsulating and Banking Living Cells for Cell-Based Medicine

Directory of Open Access Journals (Sweden)

Wujie Zhang

2011-01-01

Full Text Available A major challenge to the eventual success of the emerging cell-based medicine such as tissue engineering, regenerative medicine, and cell transplantation is the limited availability of the desired cell sources. This challenge can be addressed by cell microencapsulation to overcome the undesired immune response (i.e., to achieve immunoisolation so that non-autologous cells can be used to treat human diseases, and by cell/tissue preservation to bank living cells for wide distribution to end users so that they are readily available when needed in the future. This review summarizes the status quo of research in both cell microencapsulation and banking the microencapsulated cells. It is concluded with a brief outlook of future research directions in this important field.

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

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.

Shock-induced nanobubble collapse and its applications

Science.gov (United States)

Vedadi, Mohammad Hossein

The shock-induced collapse of nanobubbles in water is investigated using molecular dynamics simulations based on a reactive force field. Monitoring the collapse of a cavitation nanobubble, we observe a focused nanojet at the onset of bubble shrinkage and a water hammer shock wave upon bubble collapse. The nanojet length scales linearly with the nanobubble radius, as observed in experiments on micron-to-millimeter size bubbles. The shock induces dramatic structural changes, including an ice-VII-like structural motif at a particle velocity of approximately 1 km/s. The incipient ice VII formation and the calculated Hugoniot curve are in good agreement with experimental results. Moreover, a substantial number of positive and negative ions appear when the nanojet hits the distal side of the nanobubble and the water hammer shock forms. Furthermore, two promising applications of shock-induced nanobubble collapse have been explored. Our simulations of poration in lipid bilayers due to shock-induced collapse of nanobubbles reveal penetration of nanojets into lipid bilayers. The nanojet impact generates shear flow of water on bilayer leaflets and pressure gradients across them, which transiently enhance the bilayer permeability by creating nanopores through which water molecules translocate across the bilayer. The effects of nanobubble size and temperature on the porosity of lipid bilayers are examined. Finally, the shock-induced collapse of CO2-filled nanobubbles in water is investigated. The energetic nanojet and high-pressure water hammer shock formed during and after collapse of the nanobubble trigger mechano-chemical H2O-CO2 reactions, some of which lead to splitting of water molecules. The dominant pathways through which splitting of water molecules occur are identified.

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...

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

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 (...

Collapse and stability of single- and multi-wall carbon nanotubes

International Nuclear Information System (INIS)

Xiao, J; Liu, B; Huang, Y; Zuo, J; Hwang, K-C; Yu, M-F

2007-01-01

The collapse and stability of carbon nanotubes (CNTs) have important implications for their synthesis and applications. While nanotube collapse has been observed experimentally, the conditions for the collapse, especially its dependence on tube structures, are not clear. We have studied the energetics of the collapse of single- and multi-wall CNTs via atomistic simulations. The collapse is governed by the number of walls and the radius of the inner-most wall. The collapsed structure is energetically favored about a certain diameter, which is 4.12, 4.96 and 5.76 nm for single-, double- and triple-wall CNTs, respectively. The CNT chirality also has a strong influence on the collapsed structure, leading to flat, warped and twisted CNTs, depending on the chiral angle

Family cord blood banking for sickle cell disease: a twenty-year experience in two dedicated public cord blood banks.

Science.gov (United States)

Rafii, Hanadi; Bernaudin, Françoise; Rouard, Helene; Vanneaux, Valérie; Ruggeri, Annalisa; Cavazzana, Marina; Gauthereau, Valerie; Stanislas, Aurélie; Benkerrou, Malika; De Montalembert, Mariane; Ferry, Christele; Girot, Robert; Arnaud, Cecile; Kamdem, Annie; Gour, Joelle; Touboul, Claudine; Cras, Audrey; Kuentz, Mathieu; Rieux, Claire; Volt, Fernanda; Cappelli, Barbara; Maio, Karina T; Paviglianiti, Annalisa; Kenzey, Chantal; Larghero, Jerome; Gluckman, Eliane

2017-06-01

Efforts to implement family cord blood banking have been developed in the past decades for siblings requiring stem cell transplantation for conditions such as sickle cell disease. However, public banks are faced with challenging decisions about the units to be stored, discarded, or used for other endeavors. We report here 20 years of experience in family cord blood banking for sickle cell disease in two dedicated public banks. Participants were pregnant women who had a previous child diagnosed with homozygous sickle cell disease. Participation was voluntary and free of charge. All mothers underwent mandatory serological screening. Cord blood units were collected in different hospitals, but processed and stored in two public banks. A total of 338 units were stored for 302 families. Median recipient age was six years (11 months-15 years). Median collected volume and total nucleated cell count were 91 mL (range 23-230) and 8.6×10 8 (range 0.7-75×10 8 ), respectively. Microbial contamination was observed in 3.5% (n=12), positive hepatitis B serology in 25% (n=84), and homozygous sickle cell disease in 11% (n=37) of the collections. Forty-four units were HLA-identical to the intended recipient, and 28 units were released for transplantation either alone (n=23) or in combination with the bone marrow from the same donor (n=5), reflecting a utilization rate of 8%. Engraftment rate was 96% with 100% survival. Family cord blood banking yields good quality units for sibling transplantation. More comprehensive banking based on close collaboration among banks, clinical and transplant teams is recommended to optimize the use of these units. Copyright© Ferrata Storti Foundation.

Liquidity and the business cycle: Empirical evidence from the Greek banking sector

Directory of Open Access Journals (Sweden)

Vogiazas Sophocles

2013-01-01

Full Text Available In the aftermath of the global financial turmoil the negative market sentiment and the challenging macroeconomic environment in Greece have severely affected the banking sector, which faces funding and liquidity challenges, deteriorating asset quality, and weakening profitability. This paper aims to investigate how banks’ liquidity interacted with solvency and the business cycle during the period 2004-2010. To this end a panel of 17 Greek banks is utilized which, in conjunction with cointegrating techniques and one-way static and dynamic panel models, explores the presence and the strength of the relationship between banks’ liquidity and the business cycle, while allowing for the role of banks’ solvency. Addressing the liquidity risk of the Greek banking sector and the liquidity-solvency nexus remains largely an uncharted area. The results generated provide clear-cut evidence on the linkages between banks’ market liquidity and the business cycle, as reflected in the real GDP and the effective exchange rate. Yet the results display a transmission channel that runs from banks’ solvency to liquidity and from country risk to bank risk.

THREE-DIMENSIONAL BOLTZMANN HYDRO CODE FOR CORE COLLAPSE IN MASSIVE STARS. I. SPECIAL RELATIVISTIC TREATMENTS

International Nuclear Information System (INIS)

Nagakura, Hiroki; Sumiyoshi, Kohsuke; Yamada, Shoichi

2014-01-01

We propose a novel numerical method for solving multi-dimensional, special relativistic Boltzmann equations for neutrinos coupled with hydrodynamics equations. This method is meant to be applied to simulations of core-collapse supernovae. We handle special relativity in a non-conventional way, taking account of all orders of v/c. Consistent treatment of the advection and collision terms in the Boltzmann equations has been a challenge, which we overcome by employing two different energy grids: Lagrangian remapped and laboratory fixed grids. We conduct a series of basic tests and perform a one-dimensional simulation of core-collapse, bounce, and shock-stall for a 15 M ☉ progenitor model with a minimum but essential set of microphysics. We demonstrate in the latter simulation that our new code is capable of handling all phases in core-collapse supernova. For comparison, a non-relativistic simulation is also conducted with the same code, and we show that they produce qualitatively wrong results in neutrino transfer. Finally, we discuss a possible incorporation of general relativistic effects into our method

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.

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...

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...

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-.

Field Experiment on Soaking Characteristics of Collapsible Loess

Directory of Open Access Journals (Sweden)

Zhichao Wang

2017-01-01

Full Text Available In collapsible loess area, migration of soil moisture often causes the temporal discontinuity and spatial nonuniformity of collapsibility, which leads to great damage for infrastructures. Therefore, the research on water infiltration is the key to solving the problem of collapsibility. The aim of this paper is to investigate the spatiotemporal evolution of infiltration characteristics of collapsible loess. A field soaking experiment was conducted on collapsible loess in western China, in which a soaking pool with diameter of 15 m was built. Time-Domain-Reflectometry (TDR system and soil sampling were employed to measure the water content within the depth of 12 m. Then the saturation isograms were drawn for visualization of the process of infiltration. Also, a pilot tunnel was excavated to investigate how the free face can affect the infiltration behaviors. The experimental results revealed the characteristics of infiltration in both horizontal and vertical directions. Moreover, the response of free face on infiltration behaviors was also found. These findings of research could provide the data for the infiltration laws of unsaturated loess and thereby provide the basis for integrated treatment of collapsible loess.

Correlated random walks induced by dynamical wavefunction collapse

Science.gov (United States)

Bedingham, Daniel

2015-03-01

Wavefunction collapse models modify Schrödinger's equation so that it describes the collapse of a superposition of macroscopically distinguishable states as a genuine physical process [PRA 42, 78 (1990)]. This provides a basis for the resolution of the quantum measurement problem. An additional generic consequence of the collapse mechanism is that it causes particles to exhibit a tiny random diffusive motion. Furthermore, the diffusions of two sufficiently nearby particles are positively correlated -- it is more likely that the particles diffuse in the same direction than would happen if they behaved independently [PRA 89, 032713 (2014)]. The use of this effect is proposed as an experimental test of wave function collapse models in which pairs of nanoparticles are simultaneously released from nearby traps and allowed a brief period of free fall. The random displacements of the particles are then measured. The experiment must be carried out at sufficiently low temperature and pressure for the collapse effects to dominate over the ambient environmental noise. It is argued that these constraints can be satisfied by current technologies for a large class of viable wavefunction collapse models. Work supported by the Templeton World Charity Foundation.

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...

Corporate Social Responsibility and Employee Health in the Nigerian Banking Sector

Directory of Open Access Journals (Sweden)

Dr. Chukwuemeka Anene MBBS

2013-07-01

Full Text Available It is often said that the most important entity in any organisation is its human capital. With this is in mind, it has been recommended that an organisation which seeks to do well must pay particular attention to the welfare of its employees. This paper considers the issue of employer health insurance as it operates in the Nigerian banking sector. It argues that employee welfare, being a corporate social responsibility, banks must do more to ensure that the healthcare of their employees are better taken care of, bearing in mind the relative youth of most bank employees and the sensitive nature of work in the banking sector. The paper begins with an overview of corporate social responsibility, the nature of employee healthcare available in Nigeria and managed healthcare in the private sector. The paper also considers the typical health challenges of bank employees and healthcare options available to them, making a case for better structured health care for bank employees.

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 ...

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.

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

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.

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...

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...

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

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-...

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...

Stabilitas Bank, Tingkat Persaingan Antar Bank dan Diversifikasi Sumber Pendapatan: Analisis Per Kelompok Bank di Indonesia

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

Full Text Available Abstract. The"Competition-fragility" view and The "Competition-stability" view has a contrary logical flow in predicting the relationship between bank stability and competition among banks. According to Berger et al (2009, these two views differ on credit risk aspect of loan portfolio, but on the risks faced by the bank as a whole, these two views have the same prediction. In the credit market which is dominated by few banks with substantial market power, the risk of bank credit portfolio increases as predicted by the view "competition-fragility", but the bank's overall risk does not always go up with the jump in credit portfolio risk. The paper shows that empirical test of the Indonesian banking system support this hypothesis, except in foreign bank group that has its own business model. The relationship of competition and the credit risk of banks in Indonesia also have a U -shape pattern that increasing competition in the early stages can reduce credit risk, which is due to increasing income diversification and diversification of bank credit type, but at a certain point the increasing competition has worsened the quality of bank credit portfolio. Key word: banking competition, risk, stability, fragility, diversification

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....

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

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

RESTRUCTURING OF BANKING - CONSEQUENCE TO THE MODERNIZATION OF THE CHANNEL MANAGEMENT

Directory of Open Access Journals (Sweden)

CIURLAU LOREDANA

2012-09-01

Full Text Available Any company, any economic-social system tends to develop and make permanent challenges coming from theenvironment in which there are and who is in a continuous transformation. For the banking system in Romania,adaptation to market requirements of the Union Europe is a challenge, but especially a necessity of maintaining a highstandard of professional development, to meet the competition. Getting a free market, in which "the game" is thecompetition, banks must consider very good ratio of profits that wish to obtain them and risks assumed, this report'smost prestigious efficiency of each banks as single entity or of the entire banking system, as a complex entity.In the context of the international financial crisis, the Romanian banking system can be characterized by acomfortable level of solvency and liquidity, you noticed a deterioration in the quality of assets and of posting a modestprofit as a result of stagnating lending activity.In the context of the implementation in Romania of prudential principles of the new Capital Accord (Basel IIwith regard to the calculation of capital requirements for credit institutions, the adoption of international financialreporting Standards at the consolidated level, as well as of ensuring convergence prudential reporting requirementswith those of financial reporting surveillance purposes, is taking over in the national law of standardized financialreporting framework on a consolidated basis (FINREP issued by the Committee of European banking supervisors(CEBS. It is intended to credit institutions that use accounting standards to IFRS in the preparation of consolidatedfinancial reporting.

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...

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...

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...

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.

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.

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.

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

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.

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)

Scalar field collapse in Gauss-Bonnet gravity

Science.gov (United States)

Banerjee, Narayan; Paul, Tanmoy

2018-02-01

We consider a "scalar-Einstein-Gauss-Bonnet" theory in four dimension, where the scalar field couples non-minimally with the Gauss-Bonnet (GB) term. This coupling with the scalar field ensures the non-topological character of the GB term. In this scenario, we examine the possibility for collapsing of the scalar field. Our result reveals that such a collapse is possible in the presence of Gauss-Bonnet gravity for suitable choices of parametric regions. The singularity formed as a result of the collapse is found to be a curvature singularity which is hidden from the exterior by an apparent horizon.

Self-similar Langmuir collapse at critical dimension

International Nuclear Information System (INIS)

Berge, L.; Dousseau, Ph.; Pelletier, G.; Pesme, D.

1991-01-01

Two spherically symmetric versions of a self-similar collapse are investigated within the framework of the Zakharov equations, namely, one relative to a vectorial electric field and the other corresponding to a scalar modeling of the Langmuir field. Singular solutions of both of them depend on a linear time contraction rate ξ(t) = V(t * -t), where t * and V = -ξ denote, respectively, the collapse time and the constant collapse velocity. It is shown that under certain conditions, only the scalar model admits self-similar solutions, varying regularly as a function of the control parameter V from the subsonic (V >1) regime. (author)

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...

Core-Collapse Supernovae, Neutrinos, and Gravitational Waves

Energy Technology Data Exchange (ETDEWEB)

Ott, C.D. [TAPIR, California Institute of Technology, Pasadena, California (United States); Kavli Institute for the Physics and Mathematics of the Universe, Kashiwa, Chiba (Japan); O' Connor, E.P. [Canadian Institute for Theoretical Astrophysics, Toronto, Ontario (Canada); Gossan, S.; Abdikamalov, E.; Gamma, U.C.T. [TAPIR, California Institute of Technology, Pasadena, California (United States); Drasco, S. [Grinnell College, Grinnell, Iowa (United States); TAPIR, California Institute of Technology, Pasadena, California (United States)

2013-02-15

Core-collapse supernovae are among the most energetic cosmic cataclysms. They are prodigious emitters of neutrinos and quite likely strong galactic sources of gravitational waves. Observation of both neutrinos and gravitational waves from the next galactic or near extragalactic core-collapse supernova will yield a wealth of information on the explosion mechanism, but also on the structure and angular momentum of the progenitor star, and on aspects of fundamental physics such as the equation of state of nuclear matter at high densities and low entropies. In this contribution to the proceedings of the Neutrino 2012 conference, we summarize recent progress made in the theoretical understanding and modeling of core-collapse supernovae. In this, our emphasis is on multi-dimensional processes involved in the explosion mechanism such as neutrino-driven convection and the standing accretion shock instability. As an example of how supernova neutrinos can be used to probe fundamental physics, we discuss how the rise time of the electron antineutrino flux observed in detectors can be used to probe the neutrino mass hierarchy. Finally, we lay out aspects of the neutrino and gravitational-wave signature of core-collapse supernovae and discuss the power of combined analysis of neutrino and gravitational wave data from the next galactic core-collapse supernova.

Core-Collapse Supernovae, Neutrinos, and Gravitational Waves

International Nuclear Information System (INIS)

Ott, C.D.; O'Connor, E.P.; Gossan, S.; Abdikamalov, E.; Gamma, U.C.T.; Drasco, S.

2013-01-01

Core-collapse supernovae are among the most energetic cosmic cataclysms. They are prodigious emitters of neutrinos and quite likely strong galactic sources of gravitational waves. Observation of both neutrinos and gravitational waves from the next galactic or near extragalactic core-collapse supernova will yield a wealth of information on the explosion mechanism, but also on the structure and angular momentum of the progenitor star, and on aspects of fundamental physics such as the equation of state of nuclear matter at high densities and low entropies. In this contribution to the proceedings of the Neutrino 2012 conference, we summarize recent progress made in the theoretical understanding and modeling of core-collapse supernovae. In this, our emphasis is on multi-dimensional processes involved in the explosion mechanism such as neutrino-driven convection and the standing accretion shock instability. As an example of how supernova neutrinos can be used to probe fundamental physics, we discuss how the rise time of the electron antineutrino flux observed in detectors can be used to probe the neutrino mass hierarchy. Finally, we lay out aspects of the neutrino and gravitational-wave signature of core-collapse supernovae and discuss the power of combined analysis of neutrino and gravitational wave data from the next galactic core-collapse supernova

Training for Social Development Staff at the World Bank, Volume 2. Annexes

OpenAIRE

Gross, Daniel R.; LeDuc, Matthew

2010-01-01

The social development family is facing a major challenge given the significant increase in lending made by the Bank in the last five years. Lending overall has more than doubled between FY05 and FY09; investment lending has increased by 82 percent and infrastructure lending by 125 percent. In this report, International Evaluation Group (IEG) suggests that the World Bank's safeguard policies ...

The management of operational value at risk in banks / Ja'nel Tobias Esterhuysen

OpenAIRE

Esterhuysen, Ja'nel Tobias

2006-01-01

The measurement of operational risk has surely been one of the biggest challenges for banks worldwide. Most banks worldwide have opted for a value-at-risk (VaR) approach, based on the success achieved with market risk, to measure and quantify operational risk. The problem banks have is that they do not always find it difficult to calculate this VaR figure, as there are numerous mathematical and statistical methods and models that can calculate VaR, but they struggle to understa...

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 ...

Role Of Banking-Sector To Inclusive Growth Through Inclusive Finance In Bangladesh

Directory of Open Access Journals (Sweden)

Sarker Sandip

2015-08-01

Full Text Available The study attempts to identify the relationship between the banking sector’s financing in agriculture and total agricultural output at national level. To assist the study, a simple linear regression model has been developed. The results suggest that there is a strong correlation between banking sectors’ financing in agriculture and agriculture output in Bangladesh. It is also evident that banking sector’s credits are significantly facilitating financial inclusion in Bangladesh. The model can be instrumental for developing countries that are seeking ways of inclusive growth. In addition; the study recommends some policy measures to overcome the challenges of financial inclusion with regards to the banking sector’s initiatives in financing agriculture in Bangladesh.

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.

The world bank and the environment, exercise 1992. Annual report

International Nuclear Information System (INIS)

1992-01-01

The report describes the Bank's activities in assisting countries with environmental management, such as programs to reduce poverty without exhausting natural resources. Included are assessments of the environmental impacts of projects supported by World Bank loans, and accounts of efforts to meet global environmental challenges with coordinated international action through the Global Environment Facility (GEF). Among the events in the period covered by the report are the affirmation of the World Bank's participation with United Nations organizations in the GEF and the Bank's administration of pilot programs aimed at finding solutions to such global environmental problems as pollution of international waters, global warming, depletion of the Earth's ozone layer, and dwindling biological diversity; the United Nations Conference on Environment and Development; and the publication of the World Development Report 1992, with its theme of development and the environment

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).

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...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

Full Text Available Islamic banks in many countries have emerged as important component of financial system that contributes to the growth and development of the country’s economy. They have proven to be a viable and competitive component of the overall financial system. In the dual banking system, Islamic banks have to be competitive to survive. One of the key to competitiveness is efficiency. This study will measure and compare the efficiency of Islamic and conventional banks in Indonesia using Data Envelopment Analysis (DEA methodology. DEA is a non-parametric, deterministic methodology for determining the relative efficiency and managerial performance, based on the empirical data on chosen inputs and outputs of a number of decision making units. DEA allows us to compare the relative efficiency of banks by determining the efficient banks as benchmarks and by measuring the inefficiencies in input combinations (slack variables in other banks relative to the benchmark. Intermediation approach will be applied. This study will identify the sources and level of inefficiency for each of the inputs and outputs of Islamic banks and conventional banks in Indonesia. The result shows that in overall, Islamic banking is relatively more efficient than conventional banking. This means that Islamic banks are competitive enough to compete with conventional banks. Islamic banking is technically more efficient, but less scale efficient than conventional banking. Internal inefficiency is the main source of disintermediation of conventional banking in Indonesia. Furthermore, accelerated expansion, organically and inorganically, is needed to improve scale and overall efficiencies of Islamic banking in Indonesia.Keywords: Banking, Islamic Banking, Efficiency, Data Envelopment Analysis

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 ...

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

Full Text Available ABSTRACT This study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO. The data used are the financial statements published by Bank Indonesia (BI, the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX, the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX, and the Indonesian banking supervision reports contained in Bank Indonesia (BI for the years 2005-2012. The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test. The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference. Keywords: Financial performance, Islamic banks, conventional banks

The Protein Data Bank in Europe (PDBe): bringing structure to biology

International Nuclear Information System (INIS)

Velankar, Sameer; Kleywegt, Gerard J.

2011-01-01

Some future challenges for the PDB and its guardians are discussed and current and future activities in structural bioinformatics at the Protein Data Bank in Europe (PDBe) are described. The Protein Data Bank in Europe (PDBe) is the European partner in the Worldwide PDB and as such handles depositions of X-ray, NMR and EM data and structure models. PDBe also provides advanced bioinformatics services based on data from the PDB and related resources. Some of the challenges facing the PDB and its guardians are discussed, as well as some of the areas on which PDBe activities will focus in the future (advanced services, ligands, integration, validation and experimental data). Finally, some recent developments at PDBe are described

The Protein Data Bank in Europe (PDBe): bringing structure to biology

Energy Technology Data Exchange (ETDEWEB)

Velankar, Sameer; Kleywegt, Gerard J., E-mail: gerard@ebi.ac.uk [Protein Data Bank in Europe (PDBe), EMBL-EBI, Wellcome Trust Genome Campus, Hinxton, Cambridge CB10 1SD (United Kingdom)

2011-04-01

Some future challenges for the PDB and its guardians are discussed and current and future activities in structural bioinformatics at the Protein Data Bank in Europe (PDBe) are described. The Protein Data Bank in Europe (PDBe) is the European partner in the Worldwide PDB and as such handles depositions of X-ray, NMR and EM data and structure models. PDBe also provides advanced bioinformatics services based on data from the PDB and related resources. Some of the challenges facing the PDB and its guardians are discussed, as well as some of the areas on which PDBe activities will focus in the future (advanced services, ligands, integration, validation and experimental data). Finally, some recent developments at PDBe are described.

75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... 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...

Risk Management in the banking and insurance sector

Directory of Open Access Journals (Sweden)

Ibrahim Mala

2018-03-01

Full Text Available Risk management is becoming an integral part of every organization, especially for the banking and Insurance sector because of their high-risk business. Both sectors try to manage the risks of their clients and their own risks. But, challenges in the banking and insurance industry are frequently influenced by the liquidity rations and the amount and quality of capital as ground requirements for risk management. The risk exposure in recent times is becoming more complex, more dynamic and diverse. Hence, we need to understand the risks which can be taken and the risks which should be avoided. In the other side insurance policies are long term, enabling insurers to stabilize the financial system and oft en insurance is the final transfer of risk. In this paper we will analyze an overview of risk management in the banking and insurance sector.

Study of film boiling collapse behavior during vapor explosion

International Nuclear Information System (INIS)

Yagi, Masahiro; Yamano, Norihiro; Sugimoto, Jun; Abe, Yutaka; Adachi, Hiromichi; Kobayashi, Tomoyoshi.

1996-06-01

Possible large scale vapor explosions are safety concern in nuclear power plants during severe accident. In order to identify the occurrence of the vapor explosion and to estimate the magnitude of the induced pressure pulse, it is necessary to investigate the triggering condition for the vapor explosion. As a first step of this study, scooping analysis was conducted with a simulation code based on thermal detonation model. It was found that the pressure at the collapse of film boiling much affects the trigger condition of vapor explosion. Based on this analytical results, basic experiments were conducted to clarify the collapse conditions of film boiling on a high temperature solid ball surface. Film boiling condition was established by flooding water onto a high temperature stainless steel ball heated by a high frequency induction heater. After the film boiling was established, the pressure pulse generated by a shock tube was applied to collapse the steam film on the ball surface. As the experimental boundary conditions, materials and size of the balls, magnitude of pressure pulse and initial temperature of the carbon and stainless steel balls were varied. The transients of pressure and surface temperature were measured. It was found that the surface temperature on the balls sharply decreased when the pressure wave passed through the film on balls. Based on the surface temperature behavior, the film boiling collapse pattern was found to be categorized into several types. Especially, the pattern for stainless steel ball was categorized into three types; no collapse, collapse and reestablishment after collapse. It was thus clarified that the film boiling collapse behavior was identified by initial conditions and that the pressure required to collapse film boiling strongly depended on the initial surface temperature. The present results will provide a useful information for the analysis of vapor explosions based on the thermal detonation model. (J.P.N.)

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 ...

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...

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...

12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...

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.

Constraining quantum collapse inflationary models with CMB data

Energy Technology Data Exchange (ETDEWEB)

Benetti, Micol; Alcaniz, Jailson S. [Departamento de Astronomia, Observatório Nacional, 20921-400, Rio de Janeiro, RJ (Brazil); Landau, Susana J., E-mail: micolbenetti@on.br, E-mail: slandau@df.uba.ar, E-mail: alcaniz@on.br [Departamento de Física, Facultad de Ciencias Exactas y Naturales, Universidad de Buenos Aires and IFIBA, CONICET, Ciudad Universitaria, PabI, Buenos Aires 1428 (Argentina)

2016-12-01

The hypothesis of the self-induced collapse of the inflaton wave function was proposed as responsible for the emergence of inhomogeneity and anisotropy at all scales. This proposal was studied within an almost de Sitter space-time approximation for the background, which led to a perfect scale-invariant power spectrum, and also for a quasi-de Sitter background, which allows to distinguish departures from the standard approach due to the inclusion of the collapse hypothesis. In this work we perform a Bayesian model comparison for two different choices of the self-induced collapse in a full quasi-de Sitter expansion scenario. In particular, we analyze the possibility of detecting the imprint of these collapse schemes at low multipoles of the anisotropy temperature power spectrum of the Cosmic Microwave Background (CMB) using the most recent data provided by the Planck Collaboration. Our results show that one of the two collapse schemes analyzed provides the same Bayesian evidence of the minimal standard cosmological model ΛCDM, while the other scenario is weakly disfavoured with respect to the standard cosmology.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

Full Text Available Commercial banks and co-operative banks are credit institutions, but there are some differences between the main operations proceeded by each of them. Based on these specific characteristics, we want to identify the manner in which financial crisis affected their activity. As we all know, the financial crisis had a major impact in the United States, the “natal” country of the crisis, because great banks such as Lehman Brothers or Merrill Lynch have bankrupted. Even if the Romanian banking system was not affected by such catastrophic situations, surely the financial crisis had a significant impact on it. This topic is worth to be analysed, because we would be able to identify the risk differences between these two types of business: commercial banks versus co-operative banks.

Analysis of Environmental Accounting and Reporting Practices of Listed Banking Companies in Bangladesh

Directory of Open Access Journals (Sweden)

Md. Abdul Kaium Masud

2017-09-01

Full Text Available “Bangladesh faces many ecological challenges, including air and water contamination, land degradation, and waste management”. Bangladesh faces many ecological challenges, including air and water contamination, land degradation, and waste management. This study was designed to investigate the extent and nature of environmental accounting and reporting of listed banks in Bangladesh in 12 major categories. Information was collected from the annual reports of 20 banks listed on the Dhaka Stock Exchange for the period 2010 to 2014. The results indicate that the banks examined significantly disclosed environmental information for the 12 categories. The study found that banks disclosed the most environmental information for green banking and renewable energy categories, whereas they disclosed the least for environmental recognition and waste management categories. Furthermore, yearly comparison reveals that disclosure of environmental information increased sharply from 16% in 2010 to 83% in 2014. In addition, Bangladesh Bank’s recent fruitful initiatives on environmental disclosures were reviewed, and the findings of the 12 categories have managerial implications for policy makers in corporations as well as the government. It is recommended that professional accounting bodies of Bangladesh, along with international and government policy makers develop a separate conceptual framework for environmental accounting and reporting for the financial and non-financial sectors of the country.

Scalar field collapse in Gauss-Bonnet gravity

Energy Technology Data Exchange (ETDEWEB)

Banerjee, Narayan [Indian Institute of Science Education and Research Kolkata, Department of Physical Sciences, Nadia, West Bengal (India); Paul, Tanmoy [Indian Association for the Cultivation of Science, Department of Theoretical Physics, Kolkata (India)

2018-02-15

We consider a ''scalar-Einstein-Gauss-Bonnet'' theory in four dimension, where the scalar field couples non-minimally with the Gauss-Bonnet (GB) term. This coupling with the scalar field ensures the non-topological character of the GB term. In this scenario, we examine the possibility for collapsing of the scalar field. Our result reveals that such a collapse is possible in the presence of Gauss-Bonnet gravity for suitable choices of parametric regions. The singularity formed as a result of the collapse is found to be a curvature singularity which is hidden from the exterior by an apparent horizon. (orig.)

A Secure Mobile-Based Authentication System for e-Banking

Science.gov (United States)

Rifà-Pous, Helena

Financial information is extremely sensitive. Hence, electronic banking must provide a robust system to authenticate its customers and let them access their data remotely. On the other hand, such system must be usable, affordable, and portable. We propose a challenge-response based one-time password (OTP) scheme that uses symmetric cryptography in combination with a hardware security module. The proposed protocol safeguards passwords from keyloggers and phishing attacks. Besides, this solution provides convenient mobility for users who want to bank online anytime and anywhere, not just from their own trusted computers.

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…

The Role Of Cross Selling In SME Banking: An Analysis From Turkey

Directory of Open Access Journals (Sweden)

Hande Karadag

2015-02-01

Full Text Available Non-lending activities in SME financing is a phenomenon whose significance has recently been recognized. Provision of different products and services to companies is becoming an important profit center for banks serving SMEs and the supply side of SME financing has been experiencing a shift towards fee-based products and services, mainly due to the risks and challenges associated with SME lending. Despite these important developments in the industry, there are a limited number of studies that focus on the bank activities related with cross-selling to SMEs. This paper aims to address this gap in the literature, by investigating the role of cross selling in SME banking by analyzing the major business models and strategies both at international and local contexts. The study targets to make important contributions to SME finance and in particular SME banking literature, as it highlights the changing market structure in the supply-side of SME banking and pinpoints how best practices in international banking system can form examples for banks that prioritize growth in SME segment.   

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...

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution......Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...

Static end-expiratory and dynamic forced expiratory tracheal collapse in COPD

International Nuclear Information System (INIS)

O'Donnell, C.R.; Bankier, A.A.; O'Donnell, D.H.; Loring, S.H.; Boiselle, P.M.

2014-01-01

Aim: To determine the range of tracheal collapse at end-expiration among chronic obstructive pulmonary disease (COPD) patients and to compare the extent of tracheal collapse between static end-expiratory and dynamic forced-expiratory multidetector-row computed tomography (MDCT). Materials and methods: After institutional review board approval and obtaining informed consent, 67 patients meeting the National Heart, Lung, and Blood Institute (NHLBI)/World Health Organization (WHO) Global Initiative for Chronic Obstructive Lung Disease (GOLD) criteria for COPD were sequentially imaged using a 64-detector-row CT machine at end-inspiration, during forced expiration, and at end-expiration. Standardized respiratory coaching and spirometric monitoring were employed. Mean percentage tracheal collapse at end-expiration and forced expiration were compared using correlation analysis, and the power of end-expiratory cross-sectional area to predict excessive forced-expiratory tracheal collapse was computed following construction of receiver operating characteristic (ROC) curves. Results: Mean percentage expiratory collapse among COPD patients was 17 ± 18% at end-expiration compared to 62 ± 16% during forced expiration. Over the observed range of end-expiratory tracheal collapse (approximately 10–50%), the positive predictive value of end-expiratory collapse to predict excessive (≥80%) forced expiratory tracheal collapse was <0.3. Conclusion: COPD patients demonstrate a wide range of end-expiratory tracheal collapse. The magnitude of static end-expiratory tracheal collapse does not predict excessive dynamic expiratory tracheal collapse

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)

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...

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

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

Aji Damanuri   Abstract: Shari>’ah banking, for the last ten years, has increased in prosperity not only at the quantity of conventional banks but also at the count of assets and customers. This economical opportunity drives amount of conventional banks both to convert their institutions to be shari>’ah banks and to open officially shari>’ah platform units with their own assets. This system takes a significant question, is the conversion effected by both banker ideological factor and capitalists or pure economical rational calculation? Is a religious consideration linked to economical rationality? This paper is to elaborate the conversion using not only ‘choice theory’ (teori pilihan but also ‘rational action’ (tindakan rasional to seek religious action possibility in a reasonable way of shari>’ah banking.   Keywords: shari>’ah bank, conversion, rational action, religiosity.

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...

Working Capital Management of SriLakshminarayana Cooperative Urban Bank Ltd.,Tiruvarur

OpenAIRE

Nagarajapillai, Ramu

2007-01-01

In fact, under the new competitive pressures in Urban Cooperative Banks (UCBs) to enhance their overall efficiency pose serious challenges. Since the operational efficiency of the UCB is crucial in ensuring adequate and timely flow of credit to urban and semi-urban people for diverse purposes, intensive observation on their performance deserves serious consideration. In this context, present study examined management of resources of the Sri Lakshminarayana Cooperative Urban Bank Ltd. (SLNCUB)...

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. ...

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

Forest sector: A world bank policy paper

International Nuclear Information System (INIS)

1992-01-01

Forests are the most extensive terrestrial ecosystem, and nearly 500 million people depend on forests for their livelihood. Since the World Bank issued its forestry sector policy paper in 1978, there has been growing concern about the accelerated rate of destruction of the remaining primary forests in various parts of the world. The policy paper identifies two key challenges: to slow the alarmingly rapid rates of deforestation, especially (although not exclusively) in the tropical moist forests, and to ensure adequate planting of new trees to meet the rapidly growing demand for fuelwood in developing countries. The Bank intends to move vigorously to promote the conservation of natural forests and the sustainable development of managed forestry resources

Forest sector: A World Bank policy paper

International Nuclear Information System (INIS)

1992-01-01

Forests are the most extensive terrestrial ecosystem, and nearly 500 million people depend on forests for their livelihood. Since the World Bank issued its forestry sector policy paper in 1978, there has been growing concern about the accelerated rate of destruction of the remaining primary forests in various parts of the world. The policy paper identifies two key challenges: to slow the alarmingly rapid rates of deforestation, especially (although not exclusively) in the tropical moist forests, and to ensure adequate planting of new trees to meet the rapidly growing demand for fuelwood in developing countries. The Bank intends to move vigorously to promote the conservation of natural forests and the sustainable development of managed forestry resources

78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-21

..., North Dakota, as trustees/administrators, to retain voting shares of the Commercial Bank of Mott Employee Stock Ownership Plan, and thereby indirectly retain voting shares of Commercial Bank of Mott, both... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank...

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

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

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...

Does taxation on banks mean taxation on bank-dependent borrowers?

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

We investigate the economic impacts of bank levies on bank-dependent borrowers, exploiting the surprise announcement of a bank tax by the Tokyo metropolitan government on February 7th, 2000. We find that the tax announcement had negative effects on the abnormal return of firms which depended on soon-to-be taxed banks for external funds. Moreover, the adverse economic effects of the bank tax were larger for smaller and more financially distressed firms, suggesting that bank levies are likely t...

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.

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

Newton force from wave function collapse: speculation and test

International Nuclear Information System (INIS)

Diósi, Lajos

2014-01-01

The Diosi-Penrose model of quantum-classical boundary postulates gravity-related spontaneous wave function collapse of massive degrees of freedom. The decoherence effects of the collapses are in principle detectable if not masked by the overwhelming environmental decoherence. But the DP (or any other, like GRW, CSL) spontaneous collapses are not detectable themselves, they are merely the redundant formalism of spontaneous decoherence. To let DP collapses become testable physics, recently we extended the DP model and proposed that DP collapses are responsible for the emergence of the Newton gravitational force between massive objects. We identified the collapse rate, possibly of the order of 1/ms, with the rate of emergence of the Newton force. A simple heuristic emergence (delay) time was added to the Newton law of gravity. This non-relativistic delay is in peaceful coexistence with Einstein's relativistic theory of gravitation, at least no experimental evidence has so far surfaced against it. We derive new predictions of such a 'lazy' Newton law that will enable decisive laboratory tests with available technologies. The simple equation of 'lazy' Newton law deserves theoretical and experimental studies in itself, independently of the underlying quantum foundational considerations.

Prediction of the wetting-induced collapse behaviour using the soil-water characteristic curve

Science.gov (United States)

Xie, Wan-Li; Li, Ping; Vanapalli, Sai K.; Wang, Jia-Ding

2018-01-01

Collapsible soils go through three distinct phases in response to matric suction decrease during wetting: pre-collapse phase, collapse phase and post-collapse phase. It is reasonable and conservative to consider a strain path that includes a pre-collapse phase in which constant volume is maintained and a collapse phase that extends to the final matric suction to be experienced by collapsible soils during wetting. Upon this assumption, a method is proposed for predicting the collapse behaviour due to wetting. To use the proposed method, two parameters, critical suction and collapse rate, are required. The former is the suction value below which significant collapse deformations take place in response to matric suction decease, and the later is the rate at which void ratio reduces with matric suction in the collapse phase. The value of critical suction can be estimated from the water-entry value taking account of both the microstructure characteristics and collapse mechanism of fine-grained collapsible soils; the wetting soil-water characteristic curve thus can be used as a tool. Five sets of data of wetting tests on both compacted and natural collapsible soils reported in the literature were used to validate the proposed method. The critical suction values were estimated from the water-entry value with parameter a that is suggested to vary between 0.10 and 0.25 for compacted soils and to be lower for natural collapsible soils. The results of a field permeation test in collapsible loess soils were also used to validate the proposed method. The relatively good agreement between the measured and estimated collapse deformations suggests that the proposed method can provide reasonable prediction of the collapse behaviour due to wetting.

78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-03

... Bancshares, Inc., and thereby acquire control of First Commercial Bank, both of Edmond, Oklahoma. Board of... 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...

77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-05

... shares of Anchor Commercial Bank, Juno Beach, Florida. Board of Governors of the Federal Reserve System... 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...

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)

Steroid-associated hip joint collapse in bipedal emus.

Directory of Open Access Journals (Sweden)

Li-Zhen Zheng

Full Text Available In this study we established a bipedal animal model of steroid-associated hip joint collapse in emus for testing potential treatment protocols to be developed for prevention of steroid-associated joint collapse in preclinical settings. Five adult male emus were treated with a steroid-associated osteonecrosis (SAON induction protocol using combination of pulsed lipopolysaccharide (LPS and methylprednisolone (MPS. Additional three emus were used as normal control. Post-induction, emu gait was observed, magnetic resonance imaging (MRI was performed, and blood was collected for routine examination, including testing blood coagulation and lipid metabolism. Emus were sacrificed at week 24 post-induction, bilateral femora were collected for micro-computed tomography (micro-CT and histological analysis. Asymmetric limping gait and abnormal MRI signals were found in steroid-treated emus. SAON was found in all emus with a joint collapse incidence of 70%. The percentage of neutrophils (Neut % and parameters on lipid metabolism significantly increased after induction. Micro-CT revealed structure deterioration of subchondral trabecular bone. Histomorphometry showed larger fat cell fraction and size, thinning of subchondral plate and cartilage layer, smaller osteoblast perimeter percentage and less blood vessels distributed at collapsed region in SAON group as compared with the normal controls. Scanning electron microscope (SEM showed poor mineral matrix and more osteo-lacunae outline in the collapsed region in SAON group. The combination of pulsed LPS and MPS developed in the current study was safe and effective to induce SAON and deterioration of subchondral bone in bipedal emus with subsequent femoral head collapse, a typical clinical feature observed in patients under pulsed steroid treatment. In conclusion, bipedal emus could be used as an effective preclinical experimental model to evaluate potential treatment protocols to be developed for prevention of

Collapse Scenarios of High-Rise Buildings Using Plastic Limit Analysis

Directory of Open Access Journals (Sweden)

G. Liu

2009-01-01

Full Text Available The Twin Towers of the World Trade Center (WTC in New York, USA collapsed on 11 September, 2001. The incident is regarded as the most severe disaster for high-rise buildings in history. Investigations into the collapse scenarios are still being conducted. Possible collapse scenarios assessed by local and international experts were reported. Another possible collapse scenario of the WTC based on two hypotheses was proposed in this paper, and the idea of plastic limit analysis was applied to evaluate the approximate limit load. According to the theory analysis and numerical calculations, a conclusion can be drawn that the large fires, aroused by the terrorist attack, play a significant role on the collapse of the WTC.

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

Training for Social Development Staff at the World Bank, Volume 1. Main Report

OpenAIRE

Daniel R. Gross; Matthew LeDuc

2010-01-01

The social development family is facing a major challenge given the significant increase in lending made by the Bank in the last five years. Lending overall has more than doubled between FY05 and FY09; investment lending has increased by 82 percent and infrastructure lending by 125 percent. In this report, International Evaluation Group (IEG) suggests that the World Bank's safeguard policies ...

Macroeconomic trouble and policy challenges in the wake of the financial bust

Directory of Open Access Journals (Sweden)

Angel Asensio

2011-06-01

Full Text Available Contrasting with the 1929 great crisis, authorities intervened forcefully in 2008 to stop the disintegration of the financial system. Governments and central banks then sought to revise the prudential regulation in depth. It would be optimistic, however, to believe that prudential measures, alone, could deliver full economic recovery, at least in the countries that had been involved in the financial turmoil. Indeed, the collapse of the "state of confidence" and the negative effects of private debts on consumption and investment decisions have fed depressive forces and policy challenges which could hold for a while, even once the financial sector is made safe. On the one hand, the economic slowdown and the direct and indirect assistance provided by the governments to the private sectors are having a heavy impact on public finances, meanwhile, on the other hand, the massive amounts of money which artificially inflated the prices of housing and financial products could produce inflationary pressures in the post-crisis period, unless a new assets bubble is allowed for. Authorities could therefore be facing high unemployment in a damaged context of public deficits and inflationary pressures. The paper aims at discussing these new challenges. The inadequacy of inflation targets and fiscal orthodoxy in a depressed economy is emphasized, and the outlines of a Post Keynesian alternative policy are examined.

Collapse arresting in an inhomogeneous two-dimensional nonlinear Schrodinger model

DEFF Research Database (Denmark)

Schjødt-Eriksen, Jens; Gaididei, Yuri Borisovich; Christiansen, Peter Leth

2001-01-01

Collapse of (2 + 1)-dimensional beams in the inhomogeneous two-dimensional cubic nonlinear Schrodinger equation is analyzed numerically and analytically. It is shown that in the vicinity of a narrow attractive inhomogeneity, the collapse of beams that in a homogeneous medium would collapse may...

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

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....

77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-08-22

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-22

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-28

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-06

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-12

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-13

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-11-15

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-03-01

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-19

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-03

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-27

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-11-05

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-12

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-21

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-21

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-05-29

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-02-16

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-15

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-29

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-12-19

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-04

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-03-22

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-29

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-29

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-07

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-17

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-23

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-11

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-20

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-06

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-26

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-02

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-26

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-06

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-02

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-05-10

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-16

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-04-02

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-12-17

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-15

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-16

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-05-10

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank [[Page...

77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-02

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-17

... 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 Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

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

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

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...

BAGI HASIL DAN BANK SYARI’AH (Solusi terhadap Bunga Bank

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

Full Text Available Abstract: To save money in terms of investation is one of bank’s functions. Interest and production sharing are kinds of investation in banking system. Interest is a marketable entry in conventional banking, however production sharing is known in syari’ah banking system. Some people argue that interest cannot be seperated from the banking activity, in fact Islam recommends the followers to avoid it; hence it could be substituted with term of production sharing. It matches the priciple of musyarakah and mudharabah as being taught by Rasûlullâh SAW. Bank interest is considered ribâ (excessive interest and it is forbidden in Islam. Moreover, production sharing is more useful and beneficial for people. Unfortunately, the value of production sharing (syarî’ah banking product is lower than the value of banking interest (conventional banking product due to the fact that the ralationship established by syari’ah banking and its customer is based on the principle of gotong royong (mutual coorporation and production sharing partnership. Key Words: ribâ, musyarakah, mudharabah, dan bagi-hasil  

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....

Collapse above the world's largest potash mine (Ural, Russia.

Directory of Open Access Journals (Sweden)

Andrejchuk Vjacheslav

2002-01-01

Full Text Available This paper reports the results of the study of a huge collapse that occurred in June 1986 within the area of the 3rd Berezniki potash mine (the Verkhnekamsky potash deposit, Ural. Processes that took place between the first appearance of a water inflow through the mine roof and the eventual collapse are reconstructed in detail. The origin and development of a cavity that induced the collapse are revealed. Two factors played a major role in the formation of the collapse: the presence of a tectonic fold/rupture zone with in both the salt sequence and the overburden (the zone of crush and enhanced permeability, and the ductile pillars mining system.

The security concern on internet banking adoption among Malaysian banking customers.

Science.gov (United States)

Sudha, Raju; Thiagarajan, A S; Seetharaman, A

2007-01-01

The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.

Inertial collapse of bubble pairs near a solid surface

Science.gov (United States)

Alahyari Beig, Shahaboddin; Johnsen, Eric

2017-11-01

Cavitation occurs in a variety of applications ranging from naval structures to biomedical ultrasound. One important consequence is structural damage to neighboring surfaces following repeated inertial collapse of vapor bubbles. Although the mechanical loading produced by the collapse of a single bubble has been widely investigated, less is known about the detailed dynamics of the collapse of multiple bubbles. In such a problem, the bubble-bubble interactions typically affect the dynamics, e.g., by increasing the non-sphericity of the bubbles and amplifying/hindering the collapse intensity depending on the flow parameters. Here, we quantify the effects of bubble-bubble interactions on the bubble dynamics, as well as the pressures/temperatures produced by the collapse of a pair of gas bubbles near a rigid surface. We perform high-resolution simulations of this problem by solving the three-dimensional compressible Navier-Stokes equations for gas/liquid flows. The results are used to investigate the non-spherical bubble dynamics and characterize the pressure and temperature fields based on the relevant parameters entering the problem: stand-off distance, geometrical configuration (angle, relative size, distance), collapse strength. This research was supported in part by ONR Grant N00014-12-1-0751 and NSF Grant CBET 1253157.

Collapsed state of polyglutamic acid results in amyloid spherulite formation.